WillisBack/dataset-financial-user-claim huggingface dataset:
I would Like to File a complaint on EXPERIAN CREDIT REPORTING AGENCIES reguarding late payment on XXXX account XXXX I Sent in certified mail receipt number XXXX along with copies of my XXXX account statements that I had Paid XXXX on the Months that they said I did n't I also attached a hand written Letter telling and ASKING experian That I wanted Physical Proof as to how they investigated the dispute. They failed to send me any of that Information and 3 to 4 days They said that The disputed was updated with in 4 days. I asked Experian not to use theie XXXX SYSTEM due to the fact that I HAVE MY PROOF OF PAYMENT THAT XXXX IS SAYING THAT I WAS 30 DAYS LATE OF THE ACCOUNTS AND I WAS NOT DUE TO THE FACT THAT I HAVE PROVIDED EXPERIAN PROOF OF PAYMENT WAS MADE ON TIME. I HAVE ASKED XXXX FOR THIS AND THEY FAILED TO RESPOND TO MY REQUEST SO I ASKED EXPERIAN TO INVESTIGATE THIS MATTER THEY SAID THAT THEY VERIFY THE LATES USING THERE XXXX SYSTEM AND WE ALL KNOW THAT SOMEBODY SITTING IN THERE BUTTS PUNCHING CODES I WANT PROOF AS TO WHO YOU SPOKE WITH AND ANY ANY TYPES OF VERIFICATION THAT YOU RECIEVED FROM THE CREDITOR XXXX DID N'T REPONSE TO MY REQUEST BUT EXPERIAN SAID THEY RESPONED THAT THEY VERIFY IT WAS REPORTING CORRECT I WANT SOMETHING IN WRITTING AS TO WHO YOU SPOKE WITH AND HOW THEY VERIFIED IT
I have an elderly Client, on a fixed income and currently is upside down on her 2 Mortgages. I worked very hard to obtain a fair and reasonable offer of {$290000.00} which was based off condition and location. After weeks of obtaining requested Estimates per 1st Lien Holder Shell Point, the estimates where sent in equaling well over {$240000.00}. Now to be told the Investor of XXXX does not look at condition or location for current market value, they look at the Asset. My Client and myself have now received a rejected Offer to Purchase, and have been required to re-list my Client 's home at a much higher price then it would ever sell for of {$420000.00}, and enforcing a Deed and Lieu of Foreclosure, and still owing the deficiency is uncertain. It was clearly stated to me by Shell Point 's Associate that XXXX will then renovate the property and return the property to the active market after the deed n Lieu is established. This type of act is clearly keeping our housing market and assisting in spawning our Communities housing Crisis. Allowing such Investor 's to entrap these Borrower 's into a Deed in Lieu leaving them homeless and owing who knows how much money after the fact, is a far cry from Helping our Homeowner 's in financial distress. This is Consumer abuse at so many levels. Where XXXX dollars in profit is being made at the expense of the Consumer 's in financial misfortune, and have NO Assets to go to. No other options have been provided to my Client, and the phone calls just keep coming in from Shell Point trying to enforce the Deed in lieu, prior to a Sheriff Sale on XXXX XXXX 2017, enforced by XXXX XXXX XXXX who was the former servicer of my Client 's Loan prior to Shell Point. My Client has tried to do the right thing, sell the property. After being told originally from XXXX XXXX XXXX, to stop making her monthly mortgage payments, she received an accepted modification from XXXX lowering her payment by {$300.00}, to only know the Borrower could not afford those payments either, now the financial road just caved in even more, leaving her not able to make the payments, or make up the past due payments she was told to stop paying. The Average Consumer, does not know the Mortgage guidelines of these so called Assistant Programs. At this time my Client prays for a workable solution, based off this information provided.
Over 10 years our grandson was in XXXX and a fraud caller ask us to accept collect call. The telephone number is no longers in service and was in my husband name. our new number is in my name and we get calls beginning @ XXXX and continuously all day from Enhanced Recovery Company , LLC with whom we do not any contract and never did business with them. I am XXXX years old and diagnosed with several health challenges and this harrassment cause me stress. please help!
I attempted to obtain a duplicate certificate of title on a 1996 automobile which does not have a lien but the NJ XXXX XXXX XXXX XXXX shows a lien holder, XXXX XXXX XXXX which was taken over by JP Morgan Chase. Chase has no record of the lien but their " Lien Release-No Record '' letter does not list XXXX XXXX XXXX as a predecessor company.Consequently, the XXXX will not issue a duplicate certificate of title.
I disputed inaccurate and incomplete information reported on my Equifax report concerning XXXX accounts XXXX and XXXX. I asked for specific items in my credit report. The letter is attached. Equifax then responded with confirmation XXXX. Several items are missing and incomplete such as Last Payment amount missing and incomplete, Date of Last Activity, Date Closed missing and incomplete, date open is not accurate, unless they can provide proof. As per FCRA all information must be complete and accurate or deleted. The XXXX XXXX accounts should be deleted immediately.
I have sent a copy of the XXXX  balance invoice, sent to me from XXXX XXXX XXXX, more than five times to Equifax. They continue to show the collection Item. The other CRA 's have totally removed the claim item. The dates on XXXX XXXX  invoice ( XXXX  owed, XXXX due ) precede the date it was placed as a collection item on my records. I am once again attaching a copy to be forwarded to Equifax for their prompt action.
The company ( Portfolio Recovery Associates , LLC ) is constantly contacting me about my debt I have with them. I 've already spoken with them about the debt and told them I would handle it as soon as I get time. And this was several months ago! I 've also had the same iusses with this particular company in the past. Even after I spoken with them, they keep calling me, sometimes ( XXXX to XXXX ) times a day a week! Also not only have they been calling me from their business here in my own ( state ), but also been having their other companies they have in ( other states ) do so as well! I 've even had to change my phone number because of them. Their promoting unfair pratices, I do n't know if it 's because of the ( money ) or something else. But it 's become a serious issue not only for me but also for my mom, who they are now doing the same thing to. I 've ask them to stop and they wo n't. I 've told them once that I would do this, but i did n't thinking they would change and represent their self as better. The debt I have with them ai n't even over ( {$1000.00} ) I think. And I do n't how much my mom 's is, but I know it ai n't that much for them to be contacting us the way they do! And this is why im filing this complaint with you today, Thank You.
Transworld continues to send the XXXX student loans to collection agencies even after I was able to get the loans deleted from my credit reports. Transworld has sent the loans to XXXX different collection agencies to get me to pay it, I never signed any agreements with XXXX XXXX XXXX or Transworld. The only documents that were sent had XXXX XXXX XXXX on it not XXXX XXXX XXXX. XXXX XXXX XXXX must show proof they own the debt and ca n't just claim they do. I already spoke with a FDCPA attorney on this and XXXX XXXX XXXX must have proof they have the rights to collect on those loans, it is not enough to send promissory notes that I signed with another company and claim that you own them without any proof. XXXX XXXX states they no longer own the debts and XXXX XXXX XXXX should have sent documentation to me that they purchased the loans and have the rights to collect on them. My mother received calls about these loans even though her name is not on them, they told her they were looking for me. Even though that was not a number to reach me and they knew this. I do not want any more collection letters on these loans. I just had XXXX XXXX call me today on these loans but XXXX had the loans about two weeks ago. Transworld needs to leave me alone. I do not owe XXXX XXXX XXXX anything because I never received proof they have the right to collect on the loans because NCT is a trust not a company and per state law they have to follow trust regulations which they have not.
XXXX sold my account to XXXX XXXX after I started making payments to XXXX directly last month. XXXX XXXX has made no effort to send me any notices or information via mail, though they claim they've sent 3. They also have made no attempt to contact me via phone directly. They contacted a family member asking for me, when they should have no way of even having this family member 's phone number in connection with me. XXXX should have my phone number, so there is no excuse why they didn't call me first, or how they got my family member 's number or why they called them first.
I have duplicate XXXX XXXX accounts reporting on my equifax and XXXX reports, these have been deleted by XXXX XXXX with XXXX per XXXX XXXX request but are still showing on other XXXX credit reporting agencies, please delete. I XXXX longer liable for these accounts and do not have a contract with XXXX XXXX, attached deleted records and you will see the XXXX XXXX account numbers also. XXXX XXXX account numbers are attached also. Please delete XXXX
I bank with JP m organ Chase bank they close my account with out telling me and I didn't nothing wrong I had a chase prepay card that was economize 5 times in less than 3 month I been with chase for a lot of yeas and the wouldn't tell me why they close it it just ruin my life
For several months i 've been receiving XXXX calls a day from PORTFOLIO RECOVERY SERVICES. They claim I owe money, which I do n't. The social security number that they give and birth date are both not mine. I have told them this several times but they still call every day mtltiple times. I have been threatened that people were on the way to my house to collect or kill me the choice was mine. They call from many many numbers so blocking still does n't help. I have tried several times to explane very nicely that I 'm not the person that they are looking for, they still call. This has been going on for months and months. 
PLEASE HELP
I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by XXXX XXXX XXXX/XXXX XXXX XXXX regarding a credit card account that was filed in XXXX Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the XXXX Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & XXXX XXXX XXXX via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation.
I learned about the Equifax security breach on XXXX XXXX 2017 and the details of the scandal imply that my personal information was breached and is now publicly available. I tried using Equifax 's online tool on XXXX XXXX 2017 to see if I was impacted by the breach, and they claimed I was so I signed up for one of their services. However, now there is news surfacing that I am now newly aware of that they are randomly generating answers for people and not giving actual results. This is improper use of my data, and it is terrible that Equifax was not forthcoming with the results of the data breach. My personal credit is at risk and I do not like being in this situation.
Glasser and Glasser after court date and again in XX/XX/2016. Iexplain to rep that I could not payment a large payment they was requesting and was advised to make good faith paymrents would prevent further action. my hours were cut and I am struggling to work due to health issues along with I am caregiver for my mother. I was n't able to send anything for a 3 months and I sent XXXX pymt in XX/XX/XXXX. I have sent several letters to them over the past year asking for reduced payment arrangement and proof of balance. No one can provide detail of where this balance contained. I feel being served a wage garnishment in the mail and I called again today and told they ca n't set up payment arrangement for less than {$63.00} a month. If I had an extra {$63.00} I would be paying that. I am working approximately XXXX hours a week at XXXX an hour and odd jobs and i have sold numerous items. I have n't ran from them and they refuse to work with me instead taking legal action forcing me to be stressed out and feeling threatened. If they do take money from my checking or pay check it will cause my mother and I to go without medicines and food and no transportation for doctors appts or the few hours I am allowed to work. I owe the IRS, VA Taxation, Student Loans, Rent, car payment I am getting ready to lose, car insurance, etc etc. I have asmall craft business but I do n't have the funds to even by fabric to resell or pay for my XX/XX/XXXX license. I feel I will be forced into BK and I ca n't afford that either. I have XXXX dollars in a checking account and another overdrafted I am trying to pay before the IRS comes after me. I am the caregiver for my mother and the little funds I make mostly go to food and medicines. Can someone please ask them to work with me? I ca n't handle the pressure of them not working with me. I owe the debt I do beleive the amount is wrong from the beginning but no one will help me and I want to pay this as bad as they want me to. Can you help me?
on my credit report the same debt is shown twice, XXXX XXXX bank and XXXX XXXX XXXX shows the same debt, there for my credit score is being hit twice for the same debt, Equifax dispute system only has boxes for me to check to dispute a issue, this is not XXXX of those areas they allow a dispute, and they do not allow any me to add a written dispute about this with them, please help me correct my credit report XXXX XXXX had such a written system and removed XXXX XXXX bank the same day as i sent the dispute
On XX/XX/2018, a fraudulent savings/checking account at First Tech Credit Union was opened in my name. On XX/XX/2018, I discovered this fraudulently opened account via a First Tech account statement that was mailed to my home. 

I had no knowledge of this account, I did not open the account nor did I authorize anyone to open the account in my name. 

On XX/XX/XXXX, I sent a letter via certified mail to First Tech 's Fraud  department in XXXX, Oregon. The letter stated that I had no knowledge of the account, that I did not open the account or authorize anyone to open the account and requested that First Tech take  immediate corrective action on this account. Further, I required that First Tech notify me in writing that corrective action was taken or that they notify me the reason ( s ) why corrective action could not be taken. 

The certified letter was picked up and signed for by a First Tech employee on XX/XX/2018. To date, I have not heard from First Tech regarding this matter. I called First Tech 's customer service XX/XX/2018 and discovered that the fraudulent account is still active and no actions have been taken by First Tech.
capital one closed my account with no phone call, no letter, and no email notice. I go to make my online payments and it says restricted. I call in and its states closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have had these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/XXXX, The day before XXXX. I dont think its right that they dont give you a warning or notice that this could occur. This has messed up my credit attempting to get a house and I was getting a bonus check to pay all 3 cards off on XX/XX/XXXX. We were just advised that on XXXX Friday. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.
I have went on XXXX XXXX to check my credit score because I am trying to get an apartment. I realize their are several hard inquiry 's that do not belong to me nor did I ever apply for these accounts. it make me very upset because I been working hard on trying to fix my credit! I have reached out to the company 's and basically told me there is nothing they can do about this situation.
US Bank/US Bank Home Mortgage has been unwilling to work with me to modify the terms of my home loan. I have consistently submitted all paperwork requested, all to no avail. They constantly lose the documents I send ; send correspondence from all over the United States ( oftentimes, not to me ) ; no one can give me a status, stating instead that I am in " underwriting. '' You often do not get to speak with the same individual so you are made to feel like you are running in circles. I have been dealing with their unprofessionalism and do not care attitude since XX/XX/XXXX. It should not take 5 years to do a simple loan modification. I have explained to them that we are upside down on our mortgage, I have been unemployed since XX/XX/XXXX, and that my husband is a United States Veteran. I still can not and have not received any relief or any clear indication of what exactly it is they need from me.
On or about early XX/XX/XXXX, I received a notification through XXXX XXXX that one of my credit cards had been closed. When I called Citi, they told me that it had been closed due to inactivity. Usually I would receive a letter indicating the credit card will be closed if I did n't use it. They refused to reopen the account unless they did a hard pull on my credit report. As you know, this affects the consumer 's credit score. They can easily do a soft pull and see the same information as they would with the hard pull, not to mention that my account with them has been opened for 17 years, since XX/XX/XXXX and always kept it in good standing. Hard pulls affect my credit score, they acknowledged that they could do a soft pull but refused to do that. They said that I had acknowledged that my account will be closed if it was not used in over 25 months when I acknowledged the terms and conditions I have requested the terms and conditions that I acknowledged at least two times and I 'm yet to received them. 
I feel this is unfair because it affects the consumer 's credit score and they should give notice about closing accounts.
I recently noticed that large payments were being taken from my checking account the last few months from a " MR COOPER '' and thought it I had identity theft. After further research I found out what Mr Cooper is. My normal monthly mortgage payment with XXXX Bank was {$590.00}. I found that beginning XX/XX/XXXX Mr. Cooper began withdrawing {$590.00} then in XXXX they began withdrawing {$790.00}. The only reason I noticed this was thru my bank statement as I have always paid my mortgage paperless with monthly auto draft thru my checking account. 
I called XXXX XXXX company 4 times to get this resolved & supplied them with proof of insurance and continuous coverage. Most recently XX/XX/XXXX speaking to a XXXX XXXX in the escrow department. I explained my concern and he told me my case has gone thru the research department and the decision remains and I can contact whoever I want but it wont be overturned nor will I receive any refund. He also told me that 4 CERTIFIED pieces of mail have been sent to me. I have NEVER received a certified piece of mail nor signed for anything from Mr Cooper. He didnt want to give me his supervisor name, saying that I wouldnt reach him anyway, as he was out of office and they dont have voice mail. 
The letter I received dated XX/XX/XXXX states our records indicate a lapse in coverage between XXXX and XXXX. This is absolutely incorrect and I have provided proof that I made a payment for the entire year! Payment of {$1000.00} was received XX/XX/XXXX which paid for the 1 year renewal thru XX/XX/XXXX! I also have renewed since this time and provided them proof of continuous coverage and declaration pages of my insurance thru XX/XX/XXXX. 
I am requesting a refund for the overpayments. My insurance company has provided proof of payment and continuous coverage however Mr Cooper refuses to fix this and continues to draft out an additional {$190.00} monthly. This is DUPLICATE coverage!
XX/XX/XXXX I was contacted by XXXX XXXX to consolidate my school loans and lower my monthly payments. I agreed to the proposed consolidation, but it was noted that ONLY my loans, not my son 's XXXX XXXX loans, be included in the consolidation. I was told that for the next 10 years I would pay somewhere between $ 50-70 a month and at the end of the 10 year period ( or 120 ) payments, the balance would be forgiven. In XXXX, I received my first notification from FedLoan. I immediately contacted XXXX XXXX because the Parent Plus loans were included. FedLoan was contacted by XXXX XXXX and myself, but we were told that the loan consolidation was complete and there was nothing that could be done to reverse it. For the next few weeks, I was in contact with both XXXX XXXX and FedLoan in an attempt to fix this problem. Because of this mistake, I was also taken to court by my ex-husband - he was responsible for the ParentPlus loans per our divorce decree. I was told by XXXX XXXX to let the matter rest since my payments were at the amount that they had calculated - {$57.00}. I paid this amount for 12 months and received a notification from FedLoan to recerttify. Once I completed the recertificaiton process, I was informed that another mistake was made. I was NOT eligible for the repayment program and had to be put into another program. My payment was then calculated at about 5 times the previous amount - {$250.00}. Again, I contacted XXXX XXXX and FedLoan, but was not able to get any satisfaction. I was basically told, sorry we made a mistake, and nothing could be done. I contacted every agency to attempt to get some kind of assistance, I hired an attorney to file bankruptcy, and finally had to sell my home - the payments were increased to {$470.00} in XX/XX/XXXX. I have tried everything to get the matter resolved and feel that I have been grossly taken advantage of. Please note that XXXX XXXX has attempted to assist me with this matter and even provided monetary help to either take FedLoan to court ( no one would represent me ) or file bankruptcy. I would appreciate ANY feedback. After reading a number of articles, including the lawsuit against XXXX, I am not alone - but that does not help pay the bills! The sheer number of documentation I have is too great to include in this email, but I would be happy to send any/all via USPS.