WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to find a company to help build me a new home this year. I went to XXXX XXXX XXXX in XXXX, FL. After filling out the application and spending 2 wseeks going over options and home builds. I was told I needed to apply with FBC Mortgage in XXXX, FL in order for XXXX XXXX XXXX to continue to set up plans to fully qualify me for my home build. I mentioned that I would use my own bank or my previous mortgage broker who helped me a few years ago, and they said No! I was told that I had to go through FBC Mortgage first in order to see if my credit and income qualified. 

I was told that I would receive a better rate and lower paynent by going through this mortgage company. I called them even though I felt the whole situation was being monopolized and I was being steered towards an affiliate of theirs only. I spoke with a young guy who had very little knowledge about my situation but kept making promises. He said that if I used them they offer a discount on the appraisal because i was referred by XXXX XXXX XXXX. 

When I tried to insist I would use my own mortgage company I had XXXX phone calls from various managers from both FBC and XXXX XXXX. After about a month of being harassed with calls and rude managers telling me I had to do it a certain way i decided that neither company was for me. I read the negative reviews online and they all seem to have the same problem. As a business owner and a consumer i feel that the CFPB should look into this relationship and how it is affecting consumers and alos possibly violating the Dodd/Frank and or other regulations that cover steering, affiliate business, and customer options. Also why is it that they only advertise ( 1 ) lender on their website and not other local options?
I filed several disputes for transactions in my Netspend / XXXX Account l. After having my settlement check direct deposited into that account the account was drained by a sudden surge of transactions all of which were not authorized by me, had no knowledge of, and really had no way of making the transactions as I didnt even receive the debit card until days after the account was already at.a XXXX balance. I submitted the disputes in a timely manner and after 30 days was informed they found no error which is completely absurd as this is a MAJOR error. I honestly believe this company wasted my time by making me wait 30 days and clearly investigated nothing at all and cost me hundreds of dollars in additional late fees and a multitude of other problems by having that money stolen from me. I feel this company is a total scam / fraudulent company full of theives who are stealing peoples personal finances and telling people they found no error in their investigating cause why would they investigate themselves. There is a major problem here and something must be done.. the transactions I disputed were in 2 separate disputes and are as follows : 1 ) XX/XX/XXXX for  {$1400.00} 2 ) XX/XX/XXXX for {$1500.00} I am formally requesting an investigation be done on this company and for the disputes i had sent to them and was denied.. 

Thank you XXXX XXXX XXXX
In XX/XX/XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my Experian credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XX/XX/XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first one they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you
I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX 2 )  XXXX XXXX XXXX ( XXXX/XXXX/XXXX 3 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) Chase card ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 8 )  XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 9 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 10 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 11 ) XXXX XXXX XXXX (XX/XX/XXXX6 ) 12 ) XX/XX/XXXX ( XXXX/XXXX/XXXX ) 13 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 14 ) XXXX XXXX ( XXXX/XXXX/XXXX )
This is my second complaint submitted against XXXX XXXX.They insist on calling me at work. 
The last phone call was today XX/XX/18 @ XXXX. XXXX is the collectors name. I specifically asked her why she was calling me at work. She said it was one of the contact phone numbers on my account. I told her it was against the Fair Debt Collection Practices Act to call me at work and they could face a {$10000.00} fine for each attempt knowing they are calling my work number. She told me she had never heard of this act before. 
It's very obvious that this is my place of employment by the way the phone is answered by the receptionist. 
This must stop. Please help me.
Took out an auto loan/truck repossessed in 2001/never heard anything else from these people/have applied for credit/had nothing ..literally nothing on my credit report/then about maybe a month..out of no where i received something where I owed them with all of this interest out of no where ... no other paperwork or anything/I recently had XXXX ... so was n't up to par and I guess I did n't respond in time then a couple weeks later a judgment was made ... we are talking XXXX YEARS LATER..there has to be statue of limitations here that have been violated ... I need help desperately ... and do n't know where to turn
I wanted to check my credit score, so I logged in XXXX, which I thought was the only company that issues credit score for the companies give credit or denied. My surprise when I found that XXXX could n't give me my score, so how XXXX was able to issue a XXXX for them, XXXX from XXXX and XXXX from TransUnion?? Thus, I went to TransUnion since it was the lowest one, I have to pay and I was surprised to know they do not use fico the use " XXXX credit scoring formula ''. So how fair is this?? is now Transunion using his own credit scoring and charging for it, so XXXX and XXXX? this is not only not fair but abusive with the consumers. What can we do? to stop these reporting credit companies to do whatever they want to score us?
Comapany block customer for 7 days before making another payment. I have called and was told to wait 7 days. If consumers ca n't make payments, IR balance will increases. This customer is forcing consumers to pay more money in IR not fair and very fishy..
Credit bureau reporting unverified public record in direct violation of FCRA, state and federal laws.
This company is continuing to call looking for another person who owes them a debt. I 've explained for 4 months this is n't his number. They continue to call, even though I 've told them this is no longer his number. This has become harrassment.
I used bestbuy credit card to buy some item, i made exchange in best on XXXX XXXX 2017 and Bestbuy agent said " you getting warning and i give you warning long with receipt after complete my exchange '' ( please play video it will show you true incident ). He didnt explain about the warning also he continue to work on exchange without giving warning receipt too. Item what i brought is not working properly and i went next day for exchange then i come to know about my returns are not accept upto 1 year. I try to work with corporate and bestbuy credit but no luck. 

Please look the time stamp on receipt there is no time difference between exchange and warning receipt.
I requested review of my account for a loan modification from my new servicer SLS. I was in the middle of working on a loan modification with my prior servicer XXXX XXXX XXXX and then received a letter that SLS has my loan account now. Of course, I had to start all over with providing documents. I did this and then received a couple follow-up letters requesting the same things, which I provided. The last time I received a letter it was dated XXXX XXXX, 2016 requesting a XXXX for the 3rd time and/or my tax transcripts. I uploaded both of these to the SLS website logged into my account, as per the letter I received. Since then I have logged into my account a couple times and it wo n't let me see anything. Every choice I choose, there is an error message in red stating " The page you have selected can not be viewed at this time. Please contact Customer Care. '' I figured SLS received everything needed and was allowing 30 days for them to review. I 'm not stupid, I work for a mortgage company. I deal with loan modification requests all the time. This is ridiculous, continuously asking for the same stuff, just prolonging the review, and then denying for not receiving everything. I have not received a denial, but did receive a new letter yesterday basically telling me that I could qualify for assistance and that I just needed to complete the RMA and provide docs. I have done this already! What is going on??? Just review my account and let me know if I can keep my home or not. My husband is terminally ill and I am trying to keep up with everything - between taking care of him, the bills, the kids, working, and everything else going on. I am sick of the run- around that I get. I know that SLS needs to notify me whether they have received everything and can review and whether I have been denied or approved. I have not received anything since I uploaded the requested docs on XXXX XXXX.
On XXXX XXXX, 2017 at about XXXX EDT, I received a call at my ( listed ) phone number from this company asking for someone else. The caller told me the company name, which is revealed by a cursory internet search to be a debt collector. So, this debt collector has told me that a named third party owes a debt. A quick reverse lookup of my number would have showed them I 'm not the person they 're looking for.
In response to my compliant number XXXX dated XX/XX/XXXX re : not being able to access my accounts online with CapitalOne without first submitting my income, the matter was resolved ( thank you ) by CapitalOne advising that typing XXXX would circumvent the need to include my income. 

On XX/XX/XXXX, I received a letter from CapitalOne advising that because I was not " ..using a significant portion of the Credit line on your account,,, '', they were reducing my credit line in 1/2 to @ {$10000.00}. 

I 've had this credit card since XX/XX/XXXX and I have a checking, and savings account. They never tried to lower my credit limit prior to their XX/XX/XXXX letter. It just seems like more than just a coincidence that after my compliant, my credit availability was reduced but never before. 

I believe, as a result, my credit score ( as reported on CapitalOne 's credit monitoring service ) has decreased from XXXX to XXXX. The reasons given was a decrease in my credit use availability. The 50 % decrease in credit availability would cause the % 's to increase. Less credit available with same credit usage would result in a higher credit usage percentage. 

BTW, I pay my balance each month in full. 

All i am asking is to increase my credit limit to what it was before my complaint to the CFPB. I believe what Capital One is trying to backdoor the resolution by CPFB - when I ask my credit to be increased, they 'll require my salary be disclosed. 

Thank you.
Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX and now in Delinquent and charged off
I requested investigation of 2 bankruptcy records listed on my credit file with the 3 credit reporting agencies. XXXX  and XXXX returned that they verified the information with a third party, XXXX XXXX. I received no response from TransUnion. XXXX XXXX has affirmed, with the attached letter that the 2 bankruptcy " records have been removed ''. The CRA 's are in violation of the FCRA and have lied about conducting the re-investigation and must remove the 2 bankruptcy records attached to my credit file
Our mortgage servicing company, OCWEN, has failed to make an earnest effort in accordance with the Make Home Affordable policy to help our family re-negotiate our home loan balance, which at the height of the Housing Crisis in XX/XX/XXXX-XX/XX/XXXX, reached nearly {$200000.00} in negative equity. OCWEN declined requests for modifications that were submitted with reasonable justification of loss of family income from XXXX to XXXX income source, medical determination of my husband 's XXXX, and a high debt to household income ratio. On XXXX occasion, a OCWEN representative 's advice was for us to miss several monthly mortgage payments to allow our home to go into pre-foreclosure as a basis for OCWEN to consider adequate justification for us to request a loan modification. At present, our family has cut living expenses where feasibly possible in an attempt to pay down our mortgage balance to equal the amount of our home value, presently a difference of {$100000.00} negative equity, so that we may refinance at an interest rate less than our current 6.25 % rate. The primary purpose of this complaint is to report OCWEN 's pretextual policies and lack of incorporation of the Make Home Affordable initiatives in OCWEN 's mortgage loan policies.
After filing my complaint with cfpd Pennymac contacted me. Once I recieved the letter detail all but one of my request. I contacted the agents phone number listed but they have not responded to my cal over a month and a half ago. My question had to do with the borrower who has refinance FHA-to-FHA and the refund of my Up Front Mortgage Insurance Premium. According to the FHA Loan Handbook, HUD 4000.1, The UFMIP is not refundable, except in connection with the refinancing to a new FHA-insured Mortgage but only within a certain time limit.
A rep from Ally Financial told me she was going to set me up for a two-month hardship ( to months of not making payments ) since I was out on leave from work due to XXXX. This was in XXXX of 2016. In XXXX, 2016, while applying for a mortgage, my loan officer informed me that I was two payments late for a total of 80 days delinquent on my car loan. 
I called Ally, and at first, they denied knowing any thing about a hardship agreement offered to me by their Rep. After arguing with Ally for 3 days it seemed, they finally admitted to having notes about our agreement for a hardship, but could not explain why I was not notified that It did not take effect. I have been charged {$860.00} in late fees since XXXX of 2016 and my XXXX statement says I still owe XXXX in past due late payments. Since XXXX, 2016, because of the mix-up, they have destroyed my credit, hitting me XXXX thirty day lates, and XXXX over sixty. Please help me ... they are out of control. There is another person on the internet who they did this exact same thing to. The attorneys answering the question on the blog all agreed that Ally is just workin people over for late fees. I paid my payment for this month. It was due the XXXX XXXX, but did not post till the XXXX. They already have me reported to the credit agencys. for a 30 day late???? I have the paper work to back all this up but cant send it all as attachments. Please email a physical address and I will be glad to sent all supporting data. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I had set up a recurring payment from my bank to my mortgage processor, GMFS, who subsqeuently changed the amount of payment required. While continuing to accept and cash my checks, they stopped crediting my payments to my account because they were " short payments '' and they " ca n't accept '' short payments. 

Though they claimed to have sent me letters and called me, no calls were received, and no letters to the effect that payments were short, were received. When I called to follow up, I asked if they had been calling, they claimed that they had been ( to my cell phone number, none of which were ever received ), and they had been in in fact, calling an erroneous number XXXX. 

I also logged into their account management interface several times and was never alerted to any problems with my account during this period.
How did they approve a loan for {$370.00} and the value is only XXXX. 

I XXXX XXXX purchased the home and closed XX/XX/XXXX in the amount of $ XXXX, refinanced a VA loan in XX/XX/XXXX with a new loan balance of $ XXXX the appraisal was $ XXXX. 
they took my from a fixed rate, put me into a 3 yrs ARM@ 2.25 % and charged me 2.25 % points ( {$920000.00} ) plus ( XXXX ) the VA funding fee was {$1800.00}.
I received a letter from XXXX XXXX XXXX stating an attempt to collect a debt of {$230.00} for original creditor XXXX XXXX XXXX XXXX account ending XXXX. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I recently lost My XXXX Reference Number I 'm sure you can find out information by just using my name and XXXX account number. 

I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. 

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.
The home mortgage has been transferred from XXXX XXXX XXXX to Shellpoint Mortgage XXXX. My loan was at a loan modification state. In last 20 days I have called several times and no one got in touch with me though on their website and representative promise that the turn around time is within 24 hours. My loan was in loan modification review statge, when it was transferred to Shellpoint mortgage. I have filed complaint with CFPB for mishandling my modification for last 9 months by XXXX XXXX XXXX and complaint number # is XXXX.
I filed a dispute with my bank on my XXXX debit card due to poor quality of goods purchased. I tried to work with the supplier but they refused to allow me to return the merchandise so I filed a dispute with the bank. I was issued a provisional credit. Recently received a letter from my bank basically telling me that they could do nothing about my dispute did not even try to chargeback the supplier.
Dear CFPB, I have tried to access my credit recently and was denied because EXPERIAN continues to report falsely a judgment item that the entity XXXX, XXXX did not validate as due and owing to I, XXXX XXXX XXXX. The item was deleted and then inserted back in by EXPERIAN.The entity XXXX, XXXX never responded to my complaint I made to my XXXX of NJ and EXPERIAN continues to report the item falsely hurting my creditworthiness.
RECEIVED NOTICE OF COLLECTION PLACEMENT IN MAIL : STATEMENT DATE XX/XX/XXXX FROM EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ). 

" XXXX XXXX HAS PLACE YOUR ACCOUNT WITH US FOR COLLECTION FOR THE TOTAL AMOUNT SHOWN ABOVE ( {$280.00} ). WE URGE YOU TO REMIT PAYMENT TO OUR OFFICE, UNTLESS YOU DISPUTE THIS DEBT. '' I do not and have not had an account with XXXX. I tried to reconcile this with the following EOS CCA phone numbers : Payment account inquiries : XXXX and XXXX XXXX Department : XXXX-XXXX-XXXX. 

My conversations with the reps at EOS CCA were incomprehensible. The reps insisted I give the last XXXX digits of my SS #. I refused. I asked to speak with a manager, and I was given a number to report consumer fraud : XXXX at Ext. XXXX. 

I telephoned that number and asked for ext. XXXX. I was told that extension did not exist. 

I called XXXX, the customer service rep advised I contact XXXX XXXX XXXXXXXX. 

COINCIDENTALLY : I had been getting phone calls from various phone numbers originating from the Arizona area code ( XXXX ) for several weeks, during early morning hours. Messages were not left. Whenever I'd try to call one of those numbers, I'd get a " Your call can not be completed ... '' message. A few days ago, I woke up early and intercepted a call from that area code. The connection was poor. The voice on the other end had an accent from the country of XXXX. He explained I was entitled to a refund for a purchase I never made. He requested SS # and other ID information. When I told him that I would not comply, he hung up. ... I reported this to the XXXX. I was informed that this is a common ploy used to commit identity theft. ... I wonder if there is a connection between these calls and the EOS CCA collection scheme. 

My as well as my wife 's identities have been XXXX several times over the past XXXX years. So naturally, I'm suspicious anytime I get an unexpected call or letter requesting personal information.