WillisBack/dataset-financial-user-claim huggingface dataset:
This collection agency has reported that I own {$89.00} for an policy that I paid in full. I have disputed this with XXXX and have gotten no where. I paid this policy in full and then cancelled it. I had no issues at the time of closing the policy and was not aware of any other charges. I have notified the collection agency of this and they have no verified the debt. The amount of {$89.00} should be removed asap. I am filing this complaint first to see if I get anywhere. If not, I have intentions to refer this to my attorney for a civil lawsuit seeking damages. I do n't care of the cost, this is principle. I expect this to be removed from my XXXX Credit Bureau.
HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the last XXXX of my ss # XXXX this happened XXXX/XXXX/2015
I have been paying my bills down and on time and some of my loans off but yet my score decreased by XXXX points for no reason. Nothing changed with the exception of paying one loan off and another loan way down. This seemed odd to me and I do n't understand why my score went down for paying off my debt as instructed by usaa.com'a credit monitoring service. Please assist
I was laid off by my employer for lack of work. I have requested a mortgage modification with my mortgage company Green tree several times for the last 3 years. They will not work with me to modify my mortgage. I was recently sent a property foreclosure sale notice to forecloseon my house XXXX XXXX, 2015. Ditech is my new mortgage company I did not receive a letter stating they were my new mortgage company. I want to keep my house and modify my mortgage. Please assist me with the mortgage modification. and postponing the foreclosure sale date. Thank You
They call at all hours day and night. I don't owe the amount they are claiming. I would file BK if I could afford to in order to get them off my back. They threaten to contact family members and my job. HELP!
For the second time in a year Bank of American has notified me that they are canceling my current XXXX debit card tied to my checking account with them and will issue a new card due to " possible compromise '' of the account number with an " undisclosed merchant ''. After the first incident, I contacted the bank wishing to know the identity of the " undisclosed merchant '' so I could modify my purchase behavior as deemed necessary and was refused the information, Bank of American saying they did not have it and was advised by XXXX. There is no one to contact at " XXXX '', of course. I find this both unacceptable and improbable. Why is this information denied the consumer when major security breaches are reported on the evening news?
I switched my service over XXXX with the understanding that they would pay my cancellation fees XXXX. I cancelled XXXX and payed the cancellation fees and XXXX sent a prepaid card for {$240.00} to cover the cancellations fee. My problem is that the card expired last month, XXXX. I called to request a new card from Citi Bank and they told me they could n't give me a new XXXX as it had expired and I lost my all my funds. 

I called XXXX back and explained what happened and the agent told me to call XXXX and speak to Citi at this number. She said it should n't be problem and that I should be able to get a new card. So I called that number and spoke with the supervisor XXXX who explained that he could n't do anything and that the funds were gone. He stated that he could not do anything and that the card had expired and I lost my money. I explained that I read on XXXX that even if the card had expired I should be able to get my money. It states " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. '' It 's still my money at the end of the day. I paid {$240.00} to switch XXXX with the understanding they would pay for it. So I 'm still owed that money. XXXX then informed me that he could not do anything and that I 'm not entitled to a new card. 

According to the CFPB " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. XXXX
I am a victim of fraud. 

On XX/XX/XXXX I sent a {$60.00} XXXX digital payment from my Bank of America account to someone's cell phone number to buy tickets for a XX/XX/XXXX XXXX XXXX concert at the XXXX music venue in XXXX XXXX. 

The tickets were non existent. I was scammed. 

I reached out to Bank of America who claims all debit card transactions are covered. But after they responded that the investigation was closed because I initiated the transfer. I am a long time customer and I feel scammed by Bank of America too. I am very upset. I am an over 20 year customer with Bank of America. 

On XX/XX/XXXX I sent {$60.00} to this fraudulent person, XXXX XXXX at this number XXXX. The cell number this person was using to communicate is XXXX. 

I would like Bank of America to step up and tell us that they don't cover everything. And that they don't cover XXXX digital payments. I would like a {$60.00} courtesy refund from Bank of America.
XXXX XXXX XXXX XXXX XXXX is reporting a medical debt for {$75.00} which is not mine. I contact them to let them know yet they refuse to comply by sending me proof of this debt or removing it. I filed a complaint with the XXXX and they responded by saying they will not discuss this matter because of HIPPA regulations. They are choosing to hide behind loop wholes instead of handling this matter. When I call them they treathen me and are very rude. I explained to them that I never visited this medical office and did not have any services provided.
I was pre-appreoved for a mortgage in XX/XX/XXXX/XX/XX/2014 with Franklin First Financial. I was directed into an FHA mortgage because of my troubled credit history. I was not made aware of the up front funding fee or the annual insurance premium until days before the closing. Yes, I was provided with disclosures, whether they were provided timely I am not sure, but they were not explained to me, rather I was told I needed to sign them or the loan would be declined. 
During the course of the process, my lender was not transparent and was often impossible to contact to help answer routine questions. I asked several times a week when I could epxect an estimate on closing costs, I didnt receive the final GFE until 2 hours before the closing. I was quoted 4 % the entire time, I questioned why the application said 4.5 % he said it 's because he had to 'throw any rate in ' to complete the application. The night before the closing I learned this was my rate and there was nothing I could do about it. Mysteriously, an XXXX $ credit appeared on the HUD settlement statement to help offset the increased rate, but this credit went directly to the seller as he was responsible for all closing costs according to the purchase and sales. 
The lender took well over 2 months to close this loan, which resulted in huge financial penalties to me. I stayed in my home I was renting two months longer than expected and the seller of the property lost his patience along the way and threatened to charge per diem and walk away from the deal many times creating a very stressful situation for me and my family. During the course of this, I recieved a denial letter in the mail after being told by the lender the same day that I would be closing the next week. The underwriter was mistaken, and I had to provide knowledge of rule changes in order for the bank to proceed. The seller, who will be recieving his own series of complaints, held our deposit in his personal account and spent it, prior to closing. We were pre-approved with another lender and wanted to go to him but we could n't do so because our deposit was spent and our seller threated to walk away if we did n't close. 
Further, the seller was in contact with the closing attorney 's office the day of the closing making changes to the HUD up to 30 minutes before the closing, adding miscellaneous fees and costs to reduce the amount of his closing costs, without my knowledge or consent. At closing, I was asked to write a check for XXXX $ which was the additional deposit amount required when I made a change to the purchase and sales changing the purchase amount from XXXX to XXXX. I already paid this difference via check to the seller and the lender failed to request evidence of this payment prior to closing, so as a result I was forced to pay it again and told to 'ask for it back ' from the seller ( who had been so reasonable throughout. ) I could go on and on, and I 'd be happy to, but I feel that I 've provided enough information to get an inquiry started.
Beginning in  XXXX   2017 ,  Freedom Mortgage increased my escrow/insurance amount by {$25.00} a month and did not adequately notify me. As I was not well informed, I continued to send a $  XXXX  monthly payment as normal. I thought all was well as the payment checks cleared my bank ( see attachments ). I received a notice of late payments and credit score c hange from  XXXX  at the end of  XXXX   2017 . Upon investigation, evidently, because the extra {$25.00} per month was not included in my pa yments, Freedom Mort gage moved my payments into a " non interest savings account '' and did not apply any of the payments to my loan. As you can see on the attached documentation, all payments were made on time and as agreed upon. In  XXXX , I contact ed Freedom Mortga ge and talked with a representative who instructed me to pay an additional {$110.00} to resolve the issue. In  XXXX , I received an other notice from Freedom Mortgage stating my payments were still not accurate. After speaking with three representatives and a supervisor from Freedom Mortgage, I finally have the payments correct as I have now learned of the escrow increase. I filed a dispute with  XXXX  over my credit score as  it has now dropped over  XXXX  points.   Freedom has denied all my requests and have denied any credit review or withdrawal of two 30 day late notices.
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I feel I was inadequately notified of the escrow increase and unfairly reported to the credit bureau as I was making payments on time and the amount agreed upon. I do not feel Freedom Mortgage has the right to withhold an entire payment as they have, causing me to be 30 days late for two months and ruining my credit score. I am a model consumer and pay all my bills on time. I feel this is a very unethical practice by Freedom Mortgage. I have researched several websites and have found several other people have reported Freedom Mortg  age as well and have had no resolve. It is my hope that there will be actions taken to protect good consumers such as myself.
In XXXX this year, I received from USAA savings bank, a form XXXX, saying that they had cancelled my debt of {$3500.00}, and requiring me to report it as income to the IRS on my tax return. I reported it as income, as required, but USAA is still reporting the debt of {$3500.00}. This is unacceptable and annoying. How can they be reporting a {$3500.00} balance when they cancelled the full amount of the debt? On XXXX XXXX, XXXX, USAA received my dispute that I sent them through the mail, and today, XXXX XXXX, XXXX, I received from USAA the results of their investigation, which is that they claim they are reporting accurate information to the credit bureaus. When I sent XXXX a copy of the XXXX, they updated my report to having a XXXX balance and paid/closed, which is the correct information. XXXX and XXXX wo n't do the same thing. I am considering filing a suit against USAA for inaccurate reporting.
I am writing to you to determine whether my mortgage situation with Goldman Sachs falls under the purview of the XXXX XXXX XXXX. 

In XXXX XXXX, I refinanced my home with XXXX XXXX XXXX Mortgage. Six months after the refinance was finalized, my loan was sold to Goldman Sachs. XXXX XXXX has admitted the selling of loans during that time was a regular occurrence. XXXX XXXX continues service my loan. I can assume that based on possible redlining, my mortgage would fall under the subprime category and would have been attractive to Goldman Sachs.

The Statement of Fact from the DOJ settlement, states, For principal transactions, Goldman purchased groups or pools of loans from third parties prior to securitization. XXXX bought pools of mortgage loans from numerous lending institutions, or originators. These originators included XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. Goldman acquired the loans through two primary channels : ( 1 ) bulk purchases of large portfolios of loans, and ( 2 ) acquisitions of smaller volumes of loans through Goldmans conduit program. 

The loan originators identified are those banks would later become major suspects in the home mortgage crisis. Although not named, Im pretty sure that loans from my lender XXXX XXXX were included in the Pool. 

I have confirmed with XXXX XXXX that Goldman Sachs is the primary investor on my mortgage. I have tried unsuccessfully ( in prior years ) to locate anyone within Goldman Sachs who was willing to discuss any type of relief for my situation. 

My property is distressed and underwater. During the height of the crisis, the foreclosure rate in my community was astronomical. Yet, I endured. My property value slide from a f $ XXXX to $ XXXX in the matter of a few years. However, I faithfully paid my mortgage on time. I believe that I am too impacted as a result of my relationship with Goldman Sachs.
I have been trying to  pay Navient for the past two weeks online and they keep reversing the charges. Personally, I had problems with talking with them before about this problem and I would like to know what is the problem?
XXXX, The amount is {$70.00} I called the utility company and told them there was a reporting error on there end and it was effecting my credit. The utility company told me, it was the credit bureau job to fix it. so I called the credit bureau and it still is showing on my credit even thou the utility company send them a letter stating that, there was no debut and it should be removed. This was going on for XXXX now, I 'm trying to buy a home. It is still on my credit. The credit bureau said there was nothing they can do, but put a zero balance.
US Auto Credit employees are contacting my job, family members, and friends sharing my debt information with everyone. They are showing up to every persons home listed in the contract and letting them know personal information also asking personal information in regards to me. When I call to make payments they do n't allow me authorization for automated pay services. Instead, I must go through their rude customer service agents who constantly argue with me unprofessionally about paying my debt. I see no reason to dispute with me when I 'm actually paying for the automobile. I have been receiving this harassment for months and I am no longer allowing this to happen.
Experian continues to report inaccurate information on my XXXX XXXX account XXXX. 1. This is a charged of account from XX/XX/2008 it should no longer be being reported. 2. I requested you verify the information, and Experian has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4. Experian is the only cra that is reporting this invalid account. Account has been removed from XXXX and XXXX. Experian needs to remove account from my report immediately or I will seek legal action. You can not continue to report an account that is past the statute of limitations to be reporting.
I filed bankruptcy on XXXX XXXX XXXX to protect my house and Wells Fargo Bank foreclosed on XXXX XXXX XXXX and even though I filed bankruptcy they did not stop their activity and went ahead and filed foreclosure on the house on XXXX XXXX XXXX. Wells Fargo 's bank Attorney XXXX XXXX XXXX, whose bar number is XXXX, even though I have a cash buyer for the house XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX denies the cash buyer. They denied the cash buyer, this man is very heartless man. He was still going to court during the bankruptcy, filing motions, doing all the stuff that he was was n't supposed to do even though when a bankruptcy file is in process, all activity should stop and he did not stop. The chapter XXXX case number is XXXX. The property address is XXXX XXXX XXXX court, XXXX XXXX, Florida XXXX. I would like to see justice for what wells Fargo bank has done. Wells Fargo bank number is XXXX XXXX XXXX XXXX. My name is XXXX XXXX and XXXX XXXX is my husband who filed the bankruptcy.
On Monday XX/XX/XXXX XXXX  did a hard inquiry on my credit report without my permission. I did not apply for any credit and have no accounts with XXXX in collection. I had a credit card with XXXX which I closed on XX/XX/2010 and paid in full. There was no reason for XXXX to authorize a hard inquiry without my consent.
I used XXXX to fill out my 2015 Income Tax. From the beginning, it said 'Starting Free '. At no time during my tax preparation did they tell me I was upgrading to a Basic Status (! XXXX ) or to Deluxe Status ( XXXX ). Then, I get my Discover credit card statement and find a charge of {$29.00}. Site XXXX Ph. XXXX NY. I find this very deceptive and dishonest. They would not even allow me to make a copy of my return before filing. The return was rejected by IRS. Only several days later could I make a copy. 
They should have to ask a person if they want to continue if changing from 'free ' status.
They have failed to block accounts resulting from identity theft from my credit report even though I provided my affidavit and police report as well as a letter detailing that my information was stolen and used by another party. In addition, I have paperwork which explicates that another party used my name in a criminal matter therefore I am not responsible for the accounts that do not belong to me. Not only did they fail to block this information, they failed to give me the documentation that proves that these accounts even belong to me. I did receive a letter stating that these accounts were verified as mine and that they are declining my request to block these accounts. To legally verify, Congress states that they must have firsthand knowledge of these accounts and they did NOT! Before I speak with my attorney, I 'm giving a goodwill attempt for the last time to rectify this. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for you to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. # 1 I was a victim of identity theft which means that these items must be removed immediately # 2 you do not have the authorization to report this bankruptcy which is also reporting inaccurately! 

XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately! 
XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately!
My mortgage company Nation Star Mortgage while in the process of giving me a loan modification, send me a check for {$780.00} on Fri XXXX/XXXX/15. I called and ask why was the check sent a young man named XXXX said to make my payment higher. Chec cut from XXXX XXXX Bank check # XXXX dated XXXX/XXXX/15. Nation Star Mortatage XXXX XXXX XXXX XXXX XXXX Texas XXXX. Is n't this illegal? My loan # XXXX. 
I will be sending the check back. I am writing this while I can at XXXX, for aim some how blocked durning the day time hours. I have just sent off an XXXX check for {$1100.00}. 
Please help us my husband and I. We are the XXXX at XXXX XXXX in XXXX NJ XXXX. Please write and I will call you or all XXXX XXXX. 
Thank youXXXX XXXX XXXX
XXXX XXXX XXXX has been advertising to come and see her at her office to get prequalified this was in XX/XX/XXXX when i asked her if she was a licensed Loan Officer she said no and that a license was not needed to go over rates and payments and to see if i was able to get qualified for a fha loan. Since XX/XX/XXXX her company has changed to a couple of different names. When i asked her if i was qualified all she told me is that she would get back to me and i still have not received a decision back from her. She told me that because I'm self employed she was going to have to prepare my XX/XX/XXXX taxes for me so that i could qualify when i have asked if she was a CPA she said no but she has prepared a lot of buyers taxes so they could qualify for a home loan. This has me very concerned that a person who is not a licensed Loan Officer or CPA is preparing taxes for people so they can " qualify '' for a mortgage.
To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX 
Washington, D.C. XXXX Ref : Mortgage with XXXX / Mr.Cooper Mortgage Escrow dispute Date : XX/XX/XXXX To whom it may concern : I am writing to you for your assistance on my existing 20 year mortgage. I originally signed my mortgage loan with XXXX XXXX on XX/XX/XXXX. XXXX XXXX was bought out by XXXX XXXX XXXX which took over my loan. Then in XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to XXXX, and a few months ago, I was notified that Mr.Cooper ( affiliated with XXXX ) was now my mortgage company. Throughout these changes of mortgage companies, I have never been late or behind in any payments, and presently up to date with mortgage payments, property taxes and insurance payments, and will continue to demonstrate that consistent payment history until all mortgage obligations are completed in XX/XX/XXXX. 
My originally contracted loan with XXXX XXXX was for me to pay my property taxes directly to my municipal thein N.J. I have done so consistently for the past sixteen ( 16 ) years without any problems. Last month, Mr.Cooper who just took over my loan, decided to start an escrow account, without notifying me of any cause. I strongly objected by calling Mr. Cooper last month, and was told by a customer service agent, to send in my concerns in writing with documentation to a fax # ( XXXX ) XXXX XXXX, which I did on XX/XX/XXXX. I also sent the same letter & documents via XXXX, package # ( see attached ), a few days later. After a week or two of not hearing any reply from Mr. Cooper, I called to follow-up and was given no solution and hung up on the first time, and left on hold the second time for longer than 15 minutes at a time during the conversation. 
I have included all necessary documents for your review and ask your assistance on this matter. I am asking that they honor the originally contracted agreement, and I continue paying my own property taxes and the escrow be removed. To date, I have paid the first two ( 2 ) QTRs of XX/XX/XXXX. 
My mortgage will be completed in approximately four ( 4 ) years, XX/XX/XXXX and ask  that Mr. Cooper in no way modify or change my contracted mortgage until its completion.
I have now defaulted on a loan with World Finance Corporation. When I attempted to make a partial payment. The lender returned the partial check via mail refusing the partial payment. Now they are attempting to collect and contacting my leasing office as well as my employer to gather information on me. Both the document sent to my landlord and employer are falsified. The document that I completed at the time of receiving the loan were not the same documents that were submitted to my landlord and employer. The area in which you give authorization to collect such documents is from another document that I signed. Those documents were not amongst the original documents that I filled out. Therefore, I believe that they duplicated my signature in order to collect information about my address and employer.