WillisBack/dataset-financial-user-claim huggingface dataset:
I have already put in XXXX complaint regarding this company. They reneged on the interest rate lock period. However in communicating with XXXX XXXX, he sent me the following information about the procedure of setting up the loan and getting an appraisal. As you can see, XXXX states that '' we lock the rate for 45 days. Once we receive your documentation that is when we move forward with the appraisal and ultimately bring the loan to closing. " XXXX, I followed XXXX 's instuction and had the appraisal done. However, all of my information was not submitted before the appraisal. I paid, I believe {$420.00} for the appraisal and yet, my XX/XX/XXXX tax returns were not turned into XXXX. I actually did not get my XX/XX/XXXX tax returns until XX/XX/XXXX The directions were not followed. XXXX XXXX then rescinded my 45 day interest rate lock and I lost my money and the ability to get the loan that I wanted. I sent XXXX an email telling him that the proper timing for the appriasal was not followed, but I have n't heard anything from him regarding a return of my appraisal costs. The email to XXXX is as follows. 

Obviously, if you do n't have my XX/XX/XXXX tax return, the appraisal was done prematurely. 
From the start, I told you that I did not have my XX/XX/XXXX tax return and you told me that the deadline extension would suffice. I sent that in to you. You didn '' t tell me that you needed my XX/XX/XXXX tax return until almost the end of my first interest rate lock. 

XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
Wells Fargo Dealer Services has violated the FDCPA. 

They are calling my employer phone # and leaving messages for me, this is after I have notified them that my employer does not allow personal calls and I asked them NOT to contact me at work period but they did on XXXX. This is after speaking with me twice on my cell phone while I was driving. 

The have violated the Act by contacting XXXX parties. There was no need to contact a XXXX party. I believe it was for embarrassment. I have spoke with them on the same day and on multiple occasion within the last 2 weeks!!! I am in frequent contact with WFDS and had been at least XXXX times within the last 30 days. I am a long time customer who has not moved or changed phone # during the life of my loan with them ( 4 yrs 9 months ). 

They have called my cell phone XXXX times TODAY ... ..this is harassment and annoying and also using up all my cell phone minutes for unnecessary calls. 
This is after speaking with the local office to set up a payment arrangement. Their tactic is, if you do not pay today, we have to keep calling you ... ..really, I do n't think so. I agreed to set up an acceptable arrangement. However, she wanted an additional {$10.00} to set up a payment, or I could do it on line for free. I came home to do it online and it will not allow me to set up a payment for a future date as she agreed on the phone. 

Really, somebody needs to speak with these people about these serious violations and how they plan to correct them.
My wife and I have been trapped and dealing with OCWEN since 2013 when I first lost my job. They said we needed to be behind on payments before we could qualify for a HAMP Program. We also hired a company that deals with OCWEN called XXXX XXXX XXXX, they told us along with OCWEN that they work together to help customers reduce interest, payments and ultimately save your home. We feel both of these companies have deceived and taken advantage of us especially by OCWEN saying they work with them. 

To date OCWEN continues to change the amount owed on our home, we have made our trial payments on three different modification plans, our interest rate to 4.6 % when in 2013 when we originally agreed to the plan it was 2.3 %, they extended the terms of our loan to 555 months even after paying on our original loan for over 8 years, they continue to add un explainable fee 's. We have not been offered any forbearance or any programs to help short term, they will not tell us why. Our relationship manager has changed two times and neither one would make effort to call us at times that were schedule by them or their staff. OCWEN continues to call 5-10 times per day saying that we need to make payment, even though we pay every month on time. OCWEN refused to accept our XXXX payment in any form unless we spoke with our relationship manager. We sent a check certified to the payment department, they recieved it but have not cashed it yet. 

Your help would be greatly appreciated, help with dealing with OCWEN and saving our home
XXXX XXXX is listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.
My wife and I declared Chapter XXXX bankruptcy in XXXX, 2013. Our petition was accepted and we have been current on all of our plan-related obligations to date. However, XXXX creditor, XXXX Bank, has continued to report late payments almost every single month to all XXXX credit bureaus. 

Last month I submitted a direct dispute request to Transunion via XXXX XXXX, but about a week later the dispute was completed with no change being made to my credit report. 

What are my rights and how should I handle this?
I just found a charge on my credit card for {$60.00}. They say it is an annual fee that I have been paying since I opened the account- this is a scam. I had no idea and would never pay for a credit card.
capital one froze my card sent new card asking me to proof of who I am sent it to them and they ... cant get their act together I went inside a branch had their teller send the documents they asked for and they said they did n't get it spoke with XXXX XXXX XXXX branch number also spoke to XXXX would not give me her name badge # XXXX said my account will be frozen till I give them documents that I gave XXXX XXXX to fax
Transunion is stating wrong facts on report. 
XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX but was not the actual borrower. Since this was a business debt with a different organization other than myself, XXXX XXXX ( hereafter called XXXX ), it never appeared on XXXX personal credit record. The business has a different tax ID thenPH, and this debt before purchasing by XXXX XXXX was never on XXXX credit report XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with XXXX , XXXX and has been paying with never a late payment the agreed upon amounts. 

XXXX , XXXX has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. XXXX XXXX , XXXX bought the debt. 
When previously submitting this report before against XXXX, they never investigated fully as well as we did n't have the rebuttal letter from XXXX , XXXX that we are submitting This false reporting that the debt is in collections is wrong and it is not delinquent at all with XXXX , XXXX
EXPERIAN CURRENTLY REPORTS XXXX XXXX STUDENT LOAN TRADELINE/ACCOUNT XXXX XXXX EXPRESSLY DENIES [ LETTER PDF ATTACHED ] REPORTED TO ANY CONSUMER REPORTING AGENCY. XXXX XXXX, former prepayment student loan servicer, held my ( {$10000.00}, XX/XX/XXXX ) student loan briefly ( XX/XX/XXXX-XX/XX/XXXX ) prior to said loan entering repayment ( XX/XX/XXXX ) to XXXX XXXX, current- and only loan servicer for said loans repayment. No payment was ever owed XXXX XXXX for said loan. No payment was ever made to XXXX XXXX for said loan. There is no repayment history for said student loan by XXXX XXXX. Repayment of said loan is solely serviced from repayment entry ( XX/XX/XXXX ) to present ( XX/XX/XXXX ) by XXXX XXXX. XXXX XXXX replied to my prior XX/XX/XXXX CFPB complaint stating : According to our records, the loan ( s ) referenced in the information you provided is/are not serviced by XXXX XXXX, nor is XXXX XXXX furnishing any information regarding such loan ( s ) to the consumer reporting agencies in your name. ( See, Letterhead letter from XXXX XXXX to me dated, XX/XX/XXXX, paragraph 2, lines 1-3, pdf, attached. ) In direct contradiction to XXXX XXXX XX/XX/XXXX letter, EXPERIAN currently reports XXXX XXXX denied student loan tradeline/account report for said loan. ( See, EXPERIAN report number : XXXX ), dated XX/XX/XXXX, XXXX XXXX tradeline account shown in my credit report, pdf attached. Contrast, attached pdf of XXXX XXXX letterhead letter, signed and dated, XX/XX/XXXX, unequivocal express denial that said EXPERIAN XXXX XXXX [ {$10000.00}, XX/XX/XXXX ] student loan report exists in any credit report. ) The attached EXPERIAN pdf XXXX Mae loan report copy unquestionably contradicts XXXX XXXX XX/XX/XXXX letter ( copy attached ), by which letter XXXX XXXX expressly repudiates EXPERIANS reporting of said student loan account. EXPERIAN should promptly permanently delete said student loan account XXXX XXXX expressly denies reported to any credit reporting agency. 


REMEDY SOUGHT : EXPERIAN promptly ( within five business days of receipt of this CFPB complaint ) permanently deletes XXXX XXXX denied student loan tradeline/account report for said student loan ( EXPERIAN Report number XXXX for XX/XX/XXXX, XXXX XXXX account number : XXXX, pdf attached ) from my credit report.
I have serious questions of the ethical behaviour of Experian in relation to what credit score they report they report on an individual dependant upon whether the individual requesting the credit report is paying for the " premium XXXX agency report '' or whether they choose to use a " free service provided through their bank or other financial institution [ XXXX in this case ] '' where they entice you to enroll in the other XXXX agency " premium '' credit report and " protection ''. I am going to provide XXXX separate Experian Credit reports that were pulled within minutes of each other, both purporting to show my credit score, however instead of matching as XXXX would expect them to, the paid Experian XXXX Agency Report that was signed up for through XXXX XXXX XXXX, shows my score to be XXXX yet when the free credit score monitoring service provided by Experian for XXXX is pulled within minutes and the credit report shows no material differences it reports that my credit score is XXXX ; a full XXXX points lower than when one pays for the report. Something fishy is going on at Experian and I feel like I have been duped as I have no idea what my true credit score is in my credit file and I have been paying monthly for a report that I now consider less than worthless. This fraud should not be able to be perpetrated on the public just trying to correct errors on their credit files.
I used to have a secured card with Bk Of America who balance is XXXX and was supposed to be closed and still showing on all XXXX credits reports.
a qualified written request was submitted to bayview loan servicing on two separate occasion with no response to the request on XX/XX/XXXX and XX/XX/XXXX as per in sub title E Mortgage Servicing of the Dodd- Frank and Consumer Protection Act Bay View had 5 days to response by mail and must provide a substantive response to the borrower within business 30 days, THIS has not happen but bayview loan servicing is moving forward with the foreclosure and according to a letter date XX/XX/XXXX stating that bayview was still in the process of a resolution of the matter of the loan modification with a proposed resolution date of XX/XX/XXXX, so while bayview was telling me this they still had a sale for XX/XX/XXXX we called everyday this week to get an answer and nobody would tell us anything until today that the sale was still moving forward even with a pending answer on the loan modification and violations of the dodd- frank and the consumer protection act, there intent was to foreclose without any regard whatsoever.
We were formerly with Greentree, then they changed their name to Ditech. We have been trying to modify our loan since XX/XX/XXXX. We have submitted information multiple times, and have scanned documents to support this. I would be more than happy to transfer all of the documentation to you, but there is a LOT. We received a letter from them that finally after multiple faxing and sending paperwork in via certified mail on XX/XX/XXXX that they had finally received all of the necessary information. Then on XX/XX/XXXX we received another letter stating that our request was denied as " we had n't sent in all of the pertinent information. On XX/XX/XXXX we uploaded a completely new packet ( 3rd try ) and were told today that the file was closed on XX/XX/XXXX and that our account has now been transferred to XXXX ( a new company ) We want to keep our home. We are very delinquent, not because we have not tried to fulfill their requests, but rather because we are getting the run around. We have received letters every other month with a different account representative, and multiple requests for information that we already sent in and have fax confirmations of receipt. Any assistance you can provide would greatly be appreciated.
I am filling this report because Transunion has completely failed to provide a proper investigation on the accounts they are reporting inaccurately. As well as provide proof of the accounts that they have supposly verified. Under FACTS XXXX XXXX XXXX XXXX - you must, " Promptly delete all information which can not be verified '' Please help me resolve this matter as soon as possible.
I have sent more than  XXXX  letters to Portfolio recovery, asking for VALIDATION bearing MY SIGNATURE of a debt for the amount of {$470.00}, made pursuant to the Fair Debt Collection Practices Act. I do n't have any debt with this compa ny nor any contract with them. Portfolio recovery keep sending letters that they VERIFIED the debt but failed twice to provided me with my Signature as VALIDATION of the debt they say I owe. Last letter they sent was for a settlement and still no VALIDATION of this debt bearing my signature. They marked on my credit report " Dispute Resolved '' which I do n't agree. I could n't get a loan for a house because of this damage to my credit. So for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I 've been keeping records of all documentation between Portfolio Recovery Services and me.
I received a bill from a collection agency ( Wakefield and Associates, in TN. ) stating that I owe a bill from a doctor ( XXXX ) that I have never seen or heard of. I went to the hospital in question ( XXXX, XXXX NH. XXXX ) They have never heard of this doctor and certainly this dr. is not on staff there. In fact there are no doctors notes after checking with their medical records, as well with the the billing dept. They in fact have never had me in collections, and DO NOT USE THE COMPANY Wakefield and Associates for their collections. I have contacted Wakefield and Associates which still insists I owe this money and my credit is in jeopardy. I told them there is no XXXX, at XXXX in XXXX, NH, nor is there any records/notes of me seeing such a provider. I also told them to call the billing dept. at XXXX XXXX 's because I have never been in collections as well as the hospital does not use Wakefield and Assoc. for collections. I am sure this is a scam to collect monies that I do not owe.
XXXX debt collectors are trying to collect on the same debt XXXX provided verification of debt letters.
My mortgage loan was transferred from PHH and I was n't notified. I do n't know who bought my loan or where to send my payment.
XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with XXXX. On XX/XX/XXXX I received credit reports from XXXX XXXX, XXXX, and Experian that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under. XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by XXXX. XX/XX/XXXX I called XXXX  who verified I had placed said freeze and suppression of consumer file XX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.
On XX/XX/XXXX I made payment to US Bank to satisfy my vehicle loan and resulted in a XXXX  balance. I have been trying for a week to get the Lien released so I can sell the vehicle. All payments have cleared the bank and they committed to me to have the lien released electronically within 24-48 hrs when I called on Wednesday the XXXX  of XXXX for an update. My state DMV uses an electronic title process and as soon as the bank clears it I can have it. I have received poor customer service and many of the staff I have talked to at the bank have given immaculate and misleading info. With my mom satisfied I feel like my personal property is being held hostage. They not only have my money from satisfying the loan but they have a lien so I cant do anything. Please help me resolve.
Submitted hardship packet to Flagstar on XXXX/XXXX/15 thru a HUD approved housing counselingageny XXXX. I received an acknowledgement of receipt of my hardship packet and a misisng document letter dated XXXX/XXXX/15. It indicated my lender ( Flagstar ) required updated pay stubs and 6 months of the most recent business bank statements for all accounts evidencing continuation of a business. I responded to the lender thru my housing counselor via fax with updated pay stubs on XXXX/XXXX/15. Also on the same day, my counselor confirmed with a lender representative verbally that the authorization submitted with the hardship packet had been received and advised the representative that the request for 6 months of business bank statements was invalid because I did not have a business nor did any of the documents or the hardship packet submitted indicate that I had a business. A letter was forwarded to the lender on XXXX/XXXX/15 indicating the same. I received a second request for the business bank statements dated XXXX/XXXX/15. My counselor contacted Flagstar on XXXX/XXXX/15 to follow up and was advised that they had no authorization in place. My counselor then re-faxed the authorization ( same day ). My counselor contacted Flagstar on XXXX and was advised that Flagstar still wanted 6 months of business bank statements. The representative told my counselor that my case would be closed due to non receipt of the business bank statements. My counselor advised the lender rep that a letter had been sent and the point of contact assigned to my case XX/XX/XXXX had been notified that their was an error with this request because I did not have a business and therefore could not provide the statements requested. She also asked the lender rep to bring this to the attention of both intake and underwriting so they would review the initial hardship packet again to confirm these documents were not needed. She then faxed a second letter to the lender advising I did not have a business and could not provide business bank statements on XXXX/XXXX/15 and XX/XX/XXXX15.. On XXXX/XXXX/15 my counselor contacted Flagstar and was told that my case had been closed due to non receipt of the business bank statements. She again explained that I did not have a business so could not provide the statements requested and asked that my case be reopened. The lender rep advised her that my case would go in review to determine if they would reopen and to requested my counselor call back the following day. My counselor called on XXXX/XXXX/15 and was advised that the case was again in review.
I had a auto loan with Santander USA. I paid the balance of the loan in full in 2013 and received the car title, however Santander repeatedly calls " in an attempt to collect a debt ''. I have explained at least XXXX times that my loan is paid in full and keep asking to be removed from their call list. I am told each time that I would be removed, just to find that they continue to call. The latest call was received this evening.
I called company to gain knowledge on what account was for and they spoke to me very unprofessionally and with an attitude. Company failed to validate debt within 30 day period. I sent out two verifications letters on XXXX XXXX, 2017 and XXXX XXXX, 2017 both were signed for on XXXX XXXX, 2017. An agent signed for both but failed to date not one but both of my return receipts. I tracked my letters and was able to verify the date of receipt. They never responded to me. I notified all credit reporting agencies about their failure to respond within 30 days of my initial dispute now they are attempting to make contact to verify after I reported to CRAs that they never responded. Upon tracking notice left on door it is from XXXX, Florida. I am not expecting mail from anyone there and this is where they are located. I havent went to pick letter up because post office has closed. I no longer live at address I am homeless because I lost my job no one will rent to me because of false information reported. Renting anywhere is impossible because of them. I occasionally check mail at previous address. They are ruining my Credit and violating my rights. My letters were sent in XXXX, it is now the end of XXXX.
I underwent a surgical procedure in 2012 in XXXX, Florida. The entire charge was supposed to include all doctors and services. The bill was paid in advance in cash. Notwithstanding that payment, some doctor or other medical service provider charged for services already paid. I tried to resolve this matter for several years however, the hospital was sold and the new entity was either unable to, or refused to, provide all records and payment history. I do not and have never owed any sum to any medical provider. In addition, the statute of limitations has long passed on this purported debt. I have protested this fraudulent charge on several occasions and have received no response or records regarding this matter. Both the debt collector and the initial alleged creditor are engaged in a joint conspiracy to collect a debt not due and owing. I will next refer this matter to my congressman and senator together with the appropriate state authority governing hospitals and physicians in the State of Florida. This has damaged my credit for years and requires restitution.
About a year ago I started contacting Chase bank about a year ago. I had found out that there had been a checking and savings account opended up under my name. I went through the dispute process with Chase. They told me at the end of the investigation that If they found enough information that the account was not mine, they would be able to remove it from my credit reports, XXXX etc and then I would be able to open an account with them Fast forward after months of phne calls and emails with them. Turned out they did not hold me at fault for the account, but then back tracked that I could not be able to open an account with them. Also, I had reported to them that there was a chase credit card that was also opened up fraudluently under my name. I still have no heard anything back on that. I would like to be able to open an account with Chase like promised, and also would like to know what is going on with this credit card that I did not open.
I submitted a form requesting from all XXXX major credit bureaus a copy of my free annual credit report. I received a response from Experian telling me that I have already received my free annual credit report. They are trying to count a free credit report as one in which you are decline for credit and request it as the annual free credit report.
There has been numerous times that my wife and I have both received notification that we were either approved denied a Chas e Amazon.com Vis   XXXX  CC over the past year or so.  <P/> We notified the company many months ago and this has occurred more times including as last as   XXXX   XXXX   XXXX