WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently been in discussion with a TCF rep and it was revealed that I have paid over {$1500.00} in fines since XXXX XXXX, 2015. No money was able to be returned to me. This is excessive and they way they post transactions is predatory, forcing some items to overdraw and then collecting on the menial transactions that happen after. I would like most ( if not all ) of my money back.
I purchased a condominium in XXXX, IL in XXXX XXXX. The unit was my primary residence for a while, but later became a rental property. I have a fixed-rate 30 year mortgage through Wells Fargo on this property - Wells Fargo sold the loan to another company, XXXX ( XXXX ), on XXXX XXXX, XXXX. I had made a web payment of {$1000.00} on XXXX XXXX that basically did not get applied to my loan balance before the sale of the loan. I started to discuss the problem with XXXX XXXX ( as soon as I got the statement indicating a missing payment ) ; after four months of investigating the matter, they claimed it was Wells Fargo 's fault, that Wells Fargo never wired over that money, and suggested I talk to my bank ( who could really do nothing ). I spoke with Wells Fargo, who initially admitted it looked like they did n't apply the payment to my account before the loan sold. I got a proof of payment letter from my bank ( XXXX XXXX XXXX ) and sent it to Wells Fargo so that they could investigate. Then they did some investigation and started pointing the finger at XXXX in XXXX. 

I had brought my account current with XXXX in early XXXX to avoid any credit issues, so I am basically out {$1000.00}. Wells Fargo verbally told me they 'd make me whole if they could n't get to the bottom of it, but when I 've called the last several weeks looking for an update they ' have been unresponsive. I have not had a status update on the matter since XXXX. I want my {$1000.00} payment to be refunded to me directly if possible, or applied to my mortgage balance.
Debt from original creditors transferred to collections ( IC Systems ) prior to 180 days. According to The XXXX XXXX XXXX insurance should be not be allowed so that insurance can complete processing
In the middle of XXXX I placed FREEZES on XXXX, XXXX, XXXX. 

Today I received a notice from EQUIFAX the freeze is not in place and someone is trying to get a credit card. I called both XXXX XXXX XXXX  and Equifax who were absolutely NOT HELPFUL. 

I want the FREEZE in place. 

Thank you, XXXX XXXX
I received continuous calls from Focus Receivables at XXXX. I have asked them time and time again to remove me from their automated calling system and 1 year later I still receive calls. They said I am not the one they are looking for and will remove me from the list and then 2 days later another call or XXXX comes in. Now they just hang up on me before I have a chance to talk to a real person, but they wo n't quit calling. They need to stop harassing people.
XXXX XXXX XXXXXXXXXXXX {$630.00} being held illegally I am not sure of the date exactly but at some point early in XXXX 2017 PayPal put a limitation on my account. I was unable to remove my money from their website anymore. They have not given me any indication as to why they did this except to review the User Agreement. Well since then I allowed them to hold it for 3 months since that is plenty of time for any buyer complaints or refund requests. I called them to try to see if they would grant an early release and they refused to. I am now seeking assistance to have MY MONEY released to me considering that they are not a bank they are not allowed to hold money for this amount of time. There are no more disputes, refunds, complaints at this time and there is zero risk for them to release my money except their own financial gains. I will also be contacting Congressman XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of the SEC, the Department of Justice, The Federal Trade Commission, and Filing a Complaint with the BBB. They have taken advantage of way to many people in this same matter day after day. They should be forced to change their policy to 90 days as that is well past the deadline for people to be able to return or request a refund anyway. They have been given to long of a leash and it should be reigned in. Thank you for your time and consideration in this matter.
I HAVE A MORTGAGE WITH CHASE ( LOAN NUMBER XXXX ) THE LOAN WAS MODIFIED IN XXXX. THE ISSUE IS WITH THEPROPERTY TAX SIDE. IN XXXX I WON MY APPEAL WITH THE COUNTYAND HAD THE TAX BASE LOWERED FROM $ XXXX TO $ XXXX ( XXXX ) CHASE HAS BEEN CHARGING ME ON {$670.00} AND EVEN WITH PROOF REFUSE TOTO RETURN OR ADJUST MY PAYMENT BASED ON MY APPEAL PROOF. 
CHASE IS ALSO INSERTING A FLAT {$800.00} PER MONTH TAX AMOUNTEVEN THOUGH EACH YEAR THE PROPERTY TAX RISES AND FALLS. 
CHASE IS HITTING ME WITH THIS EVERY YEAR THROUGH THE LIFE OFTHE LOAN. I ALSO WAS IMPROPERLY DENIED A LOAN MODIFICATIONXXXX/XXXX AND CHASE HAS REFUSED TO ALLOW ME TO REFINANCE ANDTHAT WAS BACK OVER TWO YEARS AGO WHEN INTEREST RATESWERE LOW. I WAS TOLD BY CHASE I COULD REFINANCE, BUT BLOCKSANY ATTEMPTS TO DO SO. 
THE BANK REFUSES TO RETURN CALLS AND EVENTHOUGH THE BANK ASSIGNED THE EXECUTIVE OFFICE TO HELPTHE XXXX HOUR RETURN POLICY IS IGNORED. THE BANK IS ILLIGALLYMAKING MY PAYMENT TO HIGH, HAVE HIT ME WITH AN IMPROPERARREARS PENALTY AND ESSENTIALLY WANT TO MAKE IT SO BADTHAT IT HOPES I WILL NOT BE ABLE TO AFFORD MY PAYMENTS ANDTAKE MY HOUSE. ALL ATTEMPTS TO WORK WITH THE BANK HAVEFAILED.
I entered in an agreement with XXXX XXXX XXXX XXXX d/b/a National Home Buyers Alliance ( NHBA ) on XXXX XXXX, 2011. In the first paragraph of the contract it states that materials and information will be provided by NHBA, I have been given any materials stating anything in the contract. In the contract is also states that NHBA has agreed to additional down payment in excess of the 3 % down payment. I have an email dated XXXX from XXXX XXXX ( Customer Service ) at NHBA stating " The money you paid to NHBA is a fee for our services and nothing more. Part of the services is we negotiate to get all of your closing costs covered, appraisal fees, etc so you do n't have to. It 's not money sitting in a bank or anything like that so there is nothing you need to list on your paperwork for them. '' It states in the contract the only fee that NHBA will receive is one month 's gross income or {$1500.00}. Its also states, that if I request NHBA to assist with your credit history ''. I never made that request in written or verbal. My file was assigned to XXXX XXXX, she stated she had run my credit that I was pre approved for {$100000.00}. And just told me what I need to pay off the credit report. I paid and negotiated all my accounts in collections, all NHBA did was sent me letters to sign and I was told to send them to all three credit bureaus. XXXX minute XXXX XXXX tells me that I am ready to purchase and the next minute I have to do something else. XXXX XXXX also stated that I was pre approved with XXXX Mortgage XXXX. XXXX XXXX office is located XXXX as well, she stated that I was denied a loan, not once have I seen a denied letter from a lender of any type.I spoke with an agent at XXXX Mortgage I was told I could not be assisted on home loan because I lived in XXXX. I was referred to your agency by a loan broker at XXXX bank here XXXX. I have spoken with estates, loan officers and brokers who has told me the practices of NHBA are not good and no one that I have mention above wants to work with them, they all say it is a scam. I a really feel like I have been taken for my money. I want my refund of XXXX. NHBA stated in the there in advertisement that NHBA would be able to provide a person with a home in 24 months or less, advertisement radio and flyer, flyer is attached and contract. I was told that they would match what I put in which was {$2300.00}. I would not had given this type of money to NHBA if I knew what I have learned now and the have other complaints from people on the XXXX where NHBA has done the same to others. I am not satisfied with the services or treatment I have received. I still have not purchased a home of today. I do not want to work with NHBA or have anything else to do with this business. Attached are emails from XXXX XXXX and the contract that was sign with NHBA. I am single mother trying to better myself and the life of my XXXX daughters. Because of all the lies from NHBA we are living with relatives. Thank you for any assist that can be given.
My friend XXXX XXXX XXXX has been receiving repeated calls from continental financial they called him this morning at XXXX not saying nothing and breathing in the phone
Hello ; I have been working diligently to improve my credit rating the last 2 years since I am one who likes to pay cash for everything cash. I realize in order to buy a home, I need open credit lines in good standing. I have opened a few credit accounts recently ( XXXX ) and have a spotless pay history with all of these accounts. My credit score has been reflecting a favorable number due to my positive efforts and managing my accounts. Just today, I get an alert from my XXXX XXXX XXXX XXXX letting me know of a change to my credit score and when I looked, there was suddenly some " XXXX '' company that popped up with a {$560.00} derogatory account ( out of nowhere ). I do not know who XXXX is and I do not have any delinquent or derogatory accounts with anyone in at least 7-8 years. How do I get this off my report? My score dropped XXXX points because of that fictitious entry on my bureau. VERY FRUSTRATING when you have done EVERYTHING right for 2 years and have made a serious effort to improve your rating only to have some XXXX company put some XXXX on your credit report. My credit score took a XXXX point hit and have n't done a thing to incur this. In fact, I make multiple payments monthly on all my accounts to gain a better rating and then this XXXX blind sides me today. Come on! PLEASE help. THANK YOU VERY MUCH!
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Equifax  Re :  Request to Remove Unauthorized Credit Inquiry Dear Equifax, I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiries made by   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credito r ) i nquiry to determine who requested this credit inquiry.     If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this as I reached out to you all TWICE in assistance of this matter Thank you in advance,  XXXX   XXXX
On   XXXX   XXXX   XXXX   the amount of {$860.00} was auto-debited from a checking account for a monthly federal student loan payment. This was {$520.00} over the agreed amount and what should have been debite d ( {$340.00} ). I hav e physical paperwork mailed to me from  Navient  which outlines starting  XX/XX/XXXX   XXXX  payments of {$340.00} would be made followed by  XXXX  payments of {$860.00} starting   XXXX  . When I spoke to a representative at  Navient  on    XXXX   XXXX   XXXX    I was informed that they did not see that information in the system and in order to be given a refund I would need to mail or fax in a research request asking for the refund and to also submit proof that the money was debited from my account. That process takes  3-4  weeks. I was also informed that if I were to get a refund they would not be able to refund the {$520.00} overage amount they would refund the entire payment which would make my account delinquent. In order to avoid this I would need to apply for forbearance which reflects negatively on my account. I asked to speak to a supervisor and if there was anything that could be done as this payment caused my account to go negative and my budgeted living expenses were taken by  Navient for the  month. There were no resolutions from this call. My account has been current with all payments made on time since receiving the correspondence from Navient  XX/XX/XXXX .
Recently I pulled my credit report for annually check, it appears my information was used to obtain XXXX credit card without my consent. 
Therefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.
XXXX XXXX and XXXX XXXX has hired another attorney to intimidate and threaten me after their admission to forged signatures and fraudulent documents in XXXX City Circuit Court.
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The following is complaints for BWW Law Group and XXXX XXXX 1. Candor Toward the Tribunal Rule 19-303.3 - BWW Law Group accepted XXXX as a client with knowledge of forgeries and fraudulent documents. The admissions are attached on 3 separate statements the admission was made. ( see forgery statements attached ) - BWW Law Group accepted XXXX as a client with knowledge of a Forensic Document Examiner 's report that my ( XXXX XXXX ) signature was forged. Though the Circuit Court judge ruled authentic signatures, there is a claim filed with Judicial Disabilities.
( see Forensic report attached ) - BWW Law Group/ Attorney XXXX was aware of the mortgage payment discrepancies Attorney XXXX stated in 3 letters that the amount is {$130000.00}. XXXX and XXXX XXXX submitted court documents that the amount is {$160000.00}. ( see attached discrepancies.
- BWW Law Group and XXXX XXXX fraudulently submitted a validation of debt after XXXX XXXX  submitted an affidavit that the note was lost. ( See affidavit attached ) 2. Respa Violations -XXXX and XXXX XXXX submitted 5 different versions of settlement sheets, presented in court with differences in loan amount, contract sales price, amount due from borrower, signature of borrower and date signed.
- The deed was notarized one year after the alleged settlement date.
-The deed was recorded 8 months after the alleged settlement date.
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3. Violation of Federal Debt Protection Act - XXXX has trespassed on my property leaving a notice taped to my railing.
- XXXX representative told my neighbors I was being foreclosed on within the past 30 days. The harassment has been extreme I have filed 2 Cease and Desist.
- I have received threats from local XXXX # stating that I will be out on the street 4. Violation FTCA - BWW has called my work number at least 5 times. These were the threatening phone calls. I have returned to XXXX after living through this horror with XXXX XXXX  threats for years.
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I have maintained from the time that I received the fraudulent validation of debt documents that this is not my note and this is not my deed. My name has been placed all over someone else 's debt.
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Respectfully, XXXX XXXX XXXX
XXXX  has been non-compliant with removing the unverified account NAVY FEDERAL CU Date opened XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
American express serve card purchased for XXXX in cash from XXXX with friend. I spent roughly XXXX on XXXX purchases. Needed some cash back so i had to send additional info in for atm use. Social security number was entered in wrong to begin with. They canceled card and refuse to refund the other XXXX The card was lost or stolen the next day. It's been roughly 3 weeks now.
I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My Trans union credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.
I have been attempting to sell a home. The title commitment shows a company that is out of business. When I went to close it shows the original line holder of the primary and secondary loan to be Chase. One loan was charged off in 2009. This is a lien that Chase maintains. I attempted to satisfy the debt in full. Chase will now not speak to me and refers me to a servicing company called XXXX, who tells me the charged off debt is now XXXX more. XXXX now informs me that they have sent the file to a company called XXXX XXXX who is now in charge of discharging the debt. The debt is unfairly inflated and I am aware that there can be no penalties attached to charged off mortgage loans. Now they are preventing a sale for the second time of debt that is almost 10 years old. I am so you trying to sale the house fairly. Please help.
My complaint is for Navient, and/or the former XXXX XXXX. I have student loans borrowed through the Department of Education, which Navient is now in control of. First, the customer assistance department at XXXX XXXX first took advantage of me by directing me to apply forebearances to my loans once they were in charge of my loans. Second, I have always been on time when applying for deferments ( or forebearances ). However, on one occasion I received a default status on this loan that was reported on my credit report. After calling XXXX XXXX, they admitted I was on time in filing for a deferment, but their processing department did n't process it in time. They continued to tell me that there was no way for them to remove the default status from my loans, and no way to remove it from my credit report. Third, after reviewing my credit report at a later time, I noticed they applied a second default status to my loan and credit report one year later at the same month for the same duration period. So there is an exact duplicate default report two years in a row for a mistake, which they even admitted fault for. I submitted complaints to Navient on different occasions and with the credit agencies.
I know that the XXXX branch of Cross Country Mortgage ( owned/run by XXXX XXXX XXXX, rather than using a secure XXXX network to transmit the MOST sensitive information possible, is routinely using the unsecured GUEST network of their neighbor, XXXX University XXXX XXXX, for all of their internet activity. The branch employees do n't even know the correct password to their own network.
My mom who is XXXX. Was a co applicant on a car loan..I surrendered the car back to wells Fargo XXXX 2013..they resold the car. They keep reporting on my credit that I made payments and kept posting my report as if the loan is still open when it is n't I asked them to remote the entire account because their inaccuracy is hurting my credit I ca n't get another car loan..my mom XXXX and it was her car too
I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for Midland Funding ( A subsidiary of Encore Financial Group ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?
We are in process of selling our home and found out that a ocwen did not pay our property taxes for XX/XX/XXXX and XX/XX/XXXX. Our property was sold and we had to get a small loan to pay the XXXX to get our property back. We would have never found out that our home was sold if we had n't had our house on the market. Ocwen lied saying that they sent out a check but XXXX XXXX courthouse said they never received the payment. We also checked with XXXX to see if they received payment. They said they never received it. My husband drove to charleston to pay them and I 'm attaching the redemption certificate he received for your records.
XX/XX/2018This started all onXX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. I've never been XXXX XXXX and I even noticed some time ago XXXX XXXX  appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. XXXX XXXX XXXX is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! I've called XXXX XXXX XXXX  every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call XXXX XXXX XXXX   every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE! 

They claim that I had a credit card from XXXX XXXX, which I never did when I lived at an address, that I never have. They have gotten information about me from my credit report because they have obvious basic information that anyone who has ever spoken to me would get right, wrong! They say that I knew about XXXX XXXX and I know that's a lie because I never even knew about the judgement until this garnishment. I would have went to the court but I was notified! 

I have NEVER spoken to XXXX XXXX  about anything EVER! Now I need to hire a litigator. 

I have already submitted a WRITTEN debt validation request since the previous request over the phone was denied. I also submitted their 'fraud packet ' which I shouldn't have because now they can attempt fraud more easily. All of this will be included in the upcoming lawsuit.