WillisBack/dataset-financial-user-claim huggingface dataset:
My Mortgage originated with XXXX XXXX who mishandled my loan, and denied me a loan modification. They only allowed me a modification after the CFPB fined them for faulty practices, and me filing bankruptcy to retain my home. XXXX added excessive fees to my account, that I'm still currently paying. XXXX then sold my account to Freedom mortgage, now I'm unable to get documentation to dispute the validity of the fees associated with my account.

Freedom Mortgage took over my account I believe on XX/XX/XXXX. Since then they have improperly handled my account, and I've continually received the run around from their customer representatives. I've called numerous times regarding my Escrow account being mishandled. I've received several responses regarding when an escrow analysis is done for my state. I've been told that my analysis is done in XX/XX/XXXX, then I've been told that it is done in XX/XX/XXXX. Several times there has clearly been an overage in my Escrow account, and Freedom continually finds ways to hold on to my over payments. I've requested for my account to have an off schedule analysis done, and have been refused. Each representative telling me they will email their supervisor to perform the request, only to have no further word on the outcome. To try to offset Freedom from holding on to my much needed monies, I switched insurance providers to ensure that everything comes out at the beginning of the year. My new homeowners insurance was significantly less than what I originally was paying. I contacted Freedom again to request that they review my Escrow account in an attempt to offset overpaying into the Escrow. In addition Freedom sent me correspondence acknowledging my new insurance premium, and stated it was paid in full. The letter also requested that I submit any insurance refund that I receive from my previous insurance to them.I asked the representative why I would submit funds that I already paid for in full to them, and was unable to get an explanation. I then again asked the representative for an off schedule analysis, and she stated she could only email her supervisor. While reviewing my account I also noticed that Freedom mortgage made an additional insurance disbursement. The representative couldn't explain to who or why this was done, so she transferred me to their insurance department. After talking to the insurance department the representative stated this was to my insurance company who was reporting a change to my policy. I requested that this agent, contact my insurance company with me on the phone. I never spoke with my insurance company as she promised, but was told that the amount was supposed to be a credit to me. After hearing this I asked the agent why Freedom would disburse monies from my account without verifying the reasons, especially when this was a credit to me. All I received was a " sorry '' and that she was placing a stop payment on the disbursement check. I'm very concerned with the handling/mishandling of my account and the lack of accountability and transparency being demonstrated by this company. If I was capable I would refinance, just to get away from this company.
I went online and expected to get a general payday loan! I was out of work and contacted them to see if they had a hardship program! They stated they did not! Not only that but they informed me my loan was an open end loan, I didnt even know what that was until I gioggled it! I dont want a loan that doesnt end! 

I have made payments to resolve this but am only paying off interest! I honestly didnt realize what I applied for! 

I thought there would be a cap or a end and I would be able to make a payment arrangement to pay off the loan!
this is the 7 th time my card has been compromised, XXXX XXXX, We 're letting you know your card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account and as always, you are not liable for fraudulent transactions when reported promptly. However, as a precaution, we 're issuing you a new card which will arrive soon.
You may continue to use your current card until your new card arrives. Once you receive your new card, the old one will no longer be valid. Please activate your new card as soon as you receive it. Keep in mind, your current credit card will deactivate on XXXX. 

This happens every 6 months are or so. This causes me great inconvenience, I have not had this issue any other card.
In 2012 I took out a payday loan of around {$1000.00} from the " Cash Store '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX year old grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated US Code Title 15 and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.
experian is reporting incorrect information on my credit report. I tried to re-dispute information that is incorrect and the system will not allow me to do so. My report number is XXXX. First they will not correct XXXX accounts with XXXX. These XXXX accounts are reporting as discharged through chapter XXXX bankruptcy. This is FALSE information as I NEVER filed chapter XXXX bankruptcy. This is having a very negative impact on my credit score with this wrong information. I contacted the original creditor and keep being told that it is confirmed that I never did chapter XXXX bankruptcy with them and it will be corrected. I reported XXXX to the XXXX and received a response from the XXXX that they never responded. I am complaining about this because it is ruining my name and my credit worthiness having this false information on my credit report. Also capital account acct # XXXX is reporting an incorrect balance. The collection agency has agreed to delete this from my credit report. I submitted a dispute with experian in regards to this and received a response it has been verified. This is also incorrect so I tried to re-dispute it again and again the system will not allow me to do so. It says that I already previously disputed it and they will not allow another dispute. This is completely wrong as well. Experian is ruining my credit score with incorrect information that they refuse to do a proper investigation. This is causing me a hardship in obtaining credit.
My XXXX account was discharged in a bankruptcy XX/XX/XXXX. It showed up again around XX/XX/XXXX on my credit report ( Trans Union ). XXXX reported a derogatory amount of {$600.00}. This should be removed since it was taken care of in XX/XX/XXXX.
On XX/XX/XXXX I received documentation from XXXX XXXX XXXX stating that their office had reviewed the account with XXXX XXXX in the amount of {$470.00} and have made the decision to discontinue collection efforts therefore deciding to submit a deletion request to the credit bureaus.Today I have received a notification from XXXX stating that a collection account has been added to my credit reports, to my surprise it was the EXACT same collection under a different collection agency called Diversified Consultants trying to collect the exact same debt! Not only was I not previously contacted ( by phone or email ) from this company, it is also stating the debt was opened in XX/XX/XXXX how is that even possible? In addition to that, I have no prior knowledge and NO CONTRACT with this company called Diversified Consultants, I am requesting they send a deletion request to the credit bureaus to have this account removed.
I already reached out to the credit bureaus and to XXXX XXXX XXXX  XXXX for the account numbe XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
The mortgage company that currently holds my mortgage, SunTrust Mortgage , Inc. XXXX XXXX XXXX XXXX XXXX VA XXXX has not paid my county real estate tax bill that I received in XXXX. 
On XX/XX/XXXX I contacted via phone, SunTrust and told them I have received my tax bill from the XXXX County, Kentucky Sheriff. I spoke to XXXX in the tax department. I was told that they would receive the bill electronically and that it would be paid. On XXXX XXXX I received a Past Due notice from the sheriff 's office that the real estate taxes have not been paid. I contacted SunTrust and was told to fax them the real estate bill and that it would take 14 business days to process. On XXXX XXXX I called the county sheriff to ask if the bill had been paid. I was told no. I ask who do I contact to get the bill paid, I was told to contact the closing law office. I called the closing law office immediately and was told by them to contact the mortgage company. I was also told that I am not responsible for any fines and/or penalties for the late payment of the tax bill. On XXXX XXXX I spoke with XXXX in the Tax department at SunTrust. He said the it would take XXXX48 hours for them to research the the account and tax bill and then they would be able to pay the bill. He also said that I did not have to fax the bill because they already have received it.On XXXX XXXX I called the sheriff again and was told the bill has not been paid. I then called SunTrust on XXXX XXXX and asked the status of this tax bill payment. I was told by XXXX in the tax department that they are still researching it because no notes have been posted to my account. 
The mortgage company SunTrust have been notified since XXXX XXXX of the receipt of the tax bill and that they are contractually required to pay the bill upon receipt. There was and still is money in the escrow account that was established when the mortgage was originated. Monies were put into the account at the closing, 8 months of tax payments, and 3 months of homeowners insurance. they have also received 6 months of mortgage payments with the escrow amounts included. 
My complaint is the SunTrust Mortgage Company has failed to fulfill the contractual obligations established in the original mortgage contract and upon me inquiring numerous times why this bill was not paid in a timely manner was not given a direct answer and upon them receiving notification from me of the delinquency of their paying the account still have not paid it. This effects me by 1 ) having a past due tax bill which could allow for a lien to be put on my house and possible foreclosure action started and 2 ) by not paying the tax bill on time I am not able to deduct it from my XX/XX/XXXX federal and state individual tax return which will make me have a higher tax liability because the tax was not paid in XX/XX/XXXX. I have not been able to calculate the actual amount as I am still awaiting my XXXX to complete my federal and state tax returns and 3 ) I do not know if this is something that could affect my credit rating.
I applied online for a car loan and was directed to a website listed below that stated I had to submit my information for a credit check. The website was recognizable as Transunion, so I believed it to be reputable. However, after entering my credit card information ( which appeared to be required to prove identity ) no information or indication was made that I was signing up for a monthly service of $ XXXX. My card was then charged {$1.00} which I was also not made aware of and subsequently 7 days later another charge for {$17.00}. While the service itself may not be a scam, the fashion of non-disclosure that I was " purchasing '' or " being charged for a transaction '' was the scam. It may have had an agreement in fine-print, but no where was it clearly indicated that I was signing up or authorizing a purchase for a specific amount. This is a predatory attempt to make money ( like a bait and switch game ) from those attempting to simply apply for a loan. I attempted to contact the company to dispute the charges, but they stated they would not remove me from this re-occurring service. I am therefore reporting this as fraud. 
Here is the website and contact information : XXXX XXXX XXXX is the website for the car loans that directed me to that website : XXXX
I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XX/XX/2016 as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older one through the bureau in XX/XX/2016 and then this new one pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old one, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XX/XX/2016 and report date of XX/XX/2016, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I bank with Wells Fargo. I used their XXXX bank transfer to submit a security deposit of {$260.00} for an apartment. Unfortunately, I was scammed. XXXX, is not afford fraud protection by Wells Fargo. I feel this is a misrepresentation of their services. I bank with the intention of having my money protected in case of an emergency. I would like my {$260.00} refunded because it only took about an hour to notice the fraud.
this company serv ome court documents with out my knowledge, at th location wre i was not longer working. i have moved out the estate do to a family law case, in ordr to save myself and kids, iw as evicted from my house and they went and garnished my wages
Someone used my Identity to open a line with XXXX XXXX, I fought the dispute thru my Life Lock account and they contacted XXXX and after much research XXXX determined It is not my account and I had no charges. XXXX sent me an email with conf # XXXX saying they will send it to all XXXX credit companies. I am still disputing this with equifax and I do n't know if its also on XXXX. Equinox says its still showing and it wo n't go away in 2 years? they should remove it because its hurting my score.
To whom it may concern, XXXX finance, XXXX XXXX of XXXX, and there investors are continuing the felony harassment of myself and my wife. Every since we sent a complaint to Consumer Finance. gov, these companies have increased there harassment again. The most significant harassment happened on yesterday ( XXXX - XXXX - XXXX ) around XXXX at krogers on XXXX next to walmart XXXX XXXX. Aqua finance had some of there XXXX try and scare us as we were leaving the store. XXXX walked by us as we were leaving the store and said in a real low voice be careful and then once we got to our car that same XXXX got into a car that was parked right next to ours. As they drove away they yelled out something that sounded like SOON. We are n't leaving our home and we will defend ourselves by any and all means. If this continues we will involve the media! 
Note : We recently submitted a complaint on XXXX Finance 's Rip Off web site and I seen were this company along with there investors have had almost XXXX XXXX complaints filed against them! Why are these companies still being allowed to stay in business. Why are n't these XXXX being arrested! Whenever our case ends up in court, we will reach out to other victims of Aqua finance, XXXX XXXX of XXXX, and there investors. We will get the media involved and make sure these companies get exposed for the criminals that they are! 
It 's XXXX 's XXXX weekend and now these companies think there going to commence there Holiday Harassment! Today XX/XX/2015 these companies XXXX are going crazy, acting like they are going to hit us wth there vehicles and run us off the road. A typical holiday weekend for us!
I had changed my card number at Zions Bank for a security issue and somehow companies I no longer do business with have obtained the new card number ending in XXXX without my authorization. 

XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX NY {$21.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CA {$18.00} In addition, the card number was obtained by XXXX XXXX XXXX XXXX without my authorization. I wish to continue to receive this subscription. 

Zions Bank, XXXX XXXX XXXX, UT claims they did not give the number out.
My student loans were in default. I completed student loan rehabilitation and then my loans were transferred XXXX XXXX to XXXX XXXX XXXX. All my XXXX XXXX loans are closed except XXXX that is showing open and I am over 120 days past due. I have verified with the National Student Loan Registry Database as to my student loan servicer and none of them are with XXXX XXXX or Navient. I called XXXX XXXX & Navient directly and they do not have any loans in their database for me. They told me to call Navient as some loans got transferred to them. I contacted Navient and they too told me that I have no student loans with them either. I have now disputed this charge on my XXXX credit report 4 times and they still say that I own this money and I am past due.
AFNI is continuing to report to the credit reporting agencies a debt that did not belong to me. 2 years ago they sent me a settlement offer for a debt which I did not recognize. It was a small amount so I paid it to avoid further collection activity. Since that time, I have requested several times from them proof that the debt was actually mine and they have ignored my requests each and every time. The name on the debt does not match mine and it is for an address at which I have never lived. Despite my disputing the debt, they continue to report this debt as settled on my Experian credit report.
XXXX   XXXX   XXXX  is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or   XXXX   XXXX  . This was not me
There is a social security number associated with my credit report that is not mine. I tried to remove it via the experian dispute website but it would not allow me to.
I had a total loss on my truck due to an auto accident. I have telephoned Bank of America as has my insurance company to request a copy of Letter of Guarantee and Title as Bank of America holds my loan. After being on hold for ( documented time of 4 hours ) for 3 days in which no one picked up the phone at XXXX, I finally spoke to someone today who said they would do their best to honor the request for the needed information in 5 business days or more ... And to call back if it was not received. While I continue to pay daily interest, rental car fees, and continue to make car payments. I notice when I search the web and Bank of America 's website there is a significant amount of data for consumer auto financing? but very little data on the total loss policy except a phone number that no one ever answers? This process does not in anyway appear protective of the consumer, only of the big banks. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX Auto Loan # XXXX
Equifax continues to report a State Tax Lien Ref : XXXX dated : XXXX/XXXX/XXXX My Credit report is for XXXX XXXX XXXX Birthdate XXXX No other credit reporting agency is reporting this. They are reporting that it is released. This is was not released, but instead it was removed. This tax lien was filed in error, and once contacted the XXXX, this was immediatly removed. This was also removed from all my credit reports except for Equifax. I have repeately sent them the letter from XXXX showing this was a removed tax lien, and should be off my credit report. I never paid this tax lien or had it released, it was an error and should not be on my report. This is serioulsy hurting my credit and my ability to purchase a home or car. Equifax keeps saying this has been verified, when in fact I checked with the court house and they told me they do not verify to the credit bureas. I also checked with the XXXX who also said they do not verify. So they are not verifying that this information is correct and they continue to report this false information.
I have a baloon mortgage with Wells Fargo. I have been trying to get a refinance with a better rate and more reasonable terms. Our refinance consultant has made it almost impossible to accomplish this. He/ they have made unreasonable demands before they can close. The amount in question is very small and our appraisal is more than twice the amount to be refinanced. Very poor communication and customer service.
XXXX Cfpb, I noticed inquiries on my credit report that I am not familiar with. I was a victim of the TransUnion inquiry issue. I spoke with TransUnion and they are not helping at all. I know for a fact that no one has my SSN or personal information. I had over an XXXX XXXX XXXX all my life and would like these inquiries removed since I do n't recognize them. 

Best Regards, 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 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 XXXX, XXXX XXXX XXXX, XXXX
XXXX AND EXPERIAN BOTH RAISED THE BALANCE ON MY XXXX XXXX AUTO LOAN BY {$2.00} THEN XXXX  PUT A REMARK ON MY CREDIT REPORT FOR THE LOAN STATING FIXED RATE. SO NOW MY XXXX XXXX AUTO LOAN HAS A BALANCE OF {$26000.00}. AND THEY DID AN UPDATE WITH REPTTING WHAT XXXX XXXX SENT THEM. THEY PURPOSELY DID THIS UNLAWFUL LY I AM SENDING MY BILL STATEMENT WITH THIS COMPLAINT FOR THE MONTH OF XXXX WHICH SHOULD BE RY HE CORRECT BALANCE FOR THE XXXX REPORTING DATE. It's a woman by the name of XXXX XXXX at EXPERIAN that is the main person messing up my credit report purposely having her colleagues put in the wrong information and red flag my file. She is abusing her position and authority by doing this.