WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with Ditech ( GreenTree ) that was originally with another company. When I requested a payoff quote there is a corporate advance fee for around {$560.00}. When I called I was told this was for a deferred payment I had. My payments have always been around {$100.00}. I do n't know how or why there would be a deferred payment in that amount in XXXX of 2013. After reading some complaints, I am wondering if this " deferment '' happened when the loan was transferred from whichever company had my loan before GreenTree. I also wonder why the fee only shows up on my payoff quote and not my monthly statement. Are they hoping to sneak in something if I were to pay it off all at once.
I was paying my student loan, as agreed on the XXXX day of each month. On XX/XX/XXXX I logged on to pay the amount due of XXXX. The message on the Navient website indicated that {$0.00} payment was due. I spoke to a representative at Navient, who stated " You have over paid for the previous months, and now your payment 's not due until XX/XX/XXXX ''. 

On XX/XX/XXXX the unpaid principal balance was listed on the Navient website as {$12000.00}. 

On XX/XX/XXXX I received notification from XXXX CRA that my credit score had decreased by XXXX points due to an increase in the amount due to Navient, in the amount of {$120000.00}. 

On XX/XX/XXXX I contacted Navient to inquire as to why my principal balance had increased, although I was paying as agreed. After an hour long call, and waiting to speak to a supervisor XXXX. XXXX informed me that my loan was in forbearance due to a " disaster in California ''. 

I was not a victim of disaster, at any time. I did not request to be granted a forbearance, However, as a result of Navient 's dubious practice of arbitrarily placing my loan in forbearance status, increased my principal balance, and has caused further damage by adversely impacting my credit rating and FICO score. At the exact time that I was attempting become a first time home buyer. 

When I requested immediate remedy, The supervisor " XXXX '' informed me that the CRAs could not be notified and their error would not be corrected before 30 days, and that further since I did not have access or the ability to receive notification of resolution via fax, I would also have to wait.for 30 days to have proof of their mistake. 

If, I had been a victim of a disaster Navient 's proposed remedy would only have served to assist Navient by virtue of an increase in the principal balance due to Navient, In my case, Navient 's action was an egregious error/standard form of practice, and I should not have to wait an additional 30 days for ameliorative actions. At present my debt to Navient should be {$120000.00}. 

I am seeking assistance in ensuring that the amount owed to Navient is accurate, and accurately reported, also that CRAs are immediately notified.. 


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After making a deposit like i have always done ; at the ATM machine ; the bank Wellsfargo ; without my knowledge removed my deposit on XXXX XXXX, 2015 from my account and held onto the deposit which was XXXX checks ; for over 16 days and then after receiving the checks they wont take checks for deposit they only want cash ; and still they refused to deposit and they cause over draft fee 's for profit ; still refusing to let me deposit any checks ; there was no hold status or anything wrong with the deposit ; i receive my notifications normally electronically online they failed to do that - period. When they i went into the bank they lied about sending notification i never received one. they lied about the XXXX checks turning them into these yellow copies stating " Original " XXXX and now no one will have anything to do with these checks. The checks are good I verified this, Wells Fargo did process this by turning them into yellow ; lied about the where-abouts of checks i deposited them on XX/XX/2015 at XXXX XXXX. when i received checks after 16 days i see a stamp dated for XXXX XXXX, 2015 and in yellow. so i want to know where the checks were from XXXX XXXX, 2015 until 16 days later, XXXX phone calls and in person. If the deposits were done properly i would not of had XXXX overdraft fee - period now i have XXXX approximately debt they created for profit when wellsfargo refused to do their job or do customer service as a financial institute called a bank ; they went to extreme measures in order to do this fraud and other crimes against myself, my family, my life. This is on a personal account, i signed the checks as required prior to the deposit look at checks. Now I am stuck with checks and wells fargo has not done what the contract agreement signed by both myself and wellsfargo intentionally lying in writing document i have attached., twisting banking rules and taking out of context ; as written by them their policy 's doing business as a bank. I am seeking an attorney if needed when i should be able to reason with wellsfargo due to what they have fraudulently done in regards to my account ; creating overdraft fees for no reason.then stealing monies that Wells Fargo had no authority to act on or profit from - period. My family has and is suffering if you can imagine and more.
I received another notice from Nationstar recently XXXX XXXX XXXX ). I 've filed a complaint against Nationstar in XXXX XXXX showing that Ive filed Chapter XXXX XXXX # XXXX, discharge date : XXXX XXXX, XXXX, thus releasing me from liability involving the mortgage and property. I am still receiving billing and paperwork from XXXX XXXX ( XXXX XXXX ).
i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. 

Debt reported : Bank of America - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was fraudulently accessed and personal data was changed. Once the data was changed, the fraudster than proceeded to make a {$60000.00} disbursement from the account ( basically draining the XXXX account ) and had the money wire transferred. The ACH transfer went through XXXX XXXX in XXXX, XXXX to a XXXX XXXX account in XXXX. The XXXX management firm, a company called XXXX XXXX [ Post Office Box XXXX XXXXXXXX XXXX XXXX ; phone XXXX ] WILL NOT provide me documentation of the chronology of the fraud related activity ( basically the details from the time the fraudster accessed my account to the time the money was moved ). XXXX XXXX will not provide any documentation, nor will they work with XXXX XXXX or XXXX XXXX to obtain the details of the fraud. The fraudster also used a XXXX XXXX : mail address, which they refuse to investigate. My expectation of XXXX XXXX is as follow : - Timeline of the account access ( screen shots from their systems showing when the attempted access started, how the fraudster got in etc ) - Timeline of how the personal data was changed and than the activity on how disbursement of the money occurred - Phone records of Alight employees who XXXX have interacted with the fraudster - XXXX XXXX has the Computer XXXX address of the fraudster and the XXXX : mail address ( it a XXXX address ) of who changed my personal data in the account This is just a small segment of the documented material I am entitled to. I want system screen shots and other documents from XXXX. I just do n't want a document just typed up detailing what happened. I have done more investigatory work than Alight ( or XXXX XXXX XXXX has done )
Portfolio Recovery is knowingly reporting false information in attempt to re-age a collection accounts reporting on my credit reports. They report accounts # XXXX -Original creditor XXXX/ ( a.k.a XXXX ) # XXXX - Original creditor XXXX XXXX # XXXX - Original creditor XXXX XXXX bank with an Estimated date of removal/FCRA Compliance date/DOFD that DOES NOT MATCH THE ORIGINAL CREDITOR reported on the same report. I have disputed this account as a direct dispute and with the CRA directly, and asked for removal and if not removed than verified. The direct dispute letter was sent to Portfolio recovery on XXXX/XXXX/XXXX. They failed to update the false information that was requested. In addition they changed ( account # XXXX ) " field '' Responsibility from Individual account to Joint account, which again is not accurate. I question the validity of this debt as I have never had any joint accounts. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of these accounts The original creditor has remove all three above account - as they were past the FRCA compliance date Since they have not validated this account with proof that it is mine as requested in XX/XX/XXXX, I find that this reporting is ground for deletion that that they are re-aging this debt the date is it is not consistent with the OC on this basis alone. 
I had submitted proof in the form of a copy of credit report highlighting this discrepancy. The law does not allow collection agencies to modify this DOFD, nor does the law allow them to add false information. 

I have attached Dispute results showing XXXX account number XXXX as DELETED but the corresponding collection accout from Portfolio Recovery account number XXXX was not updated or removed. They are reporting original creditor as XXXX XXXX to further things but if you look at the account number you will see they are the same account. 
I have attached newest copy of XXXX credit showing not 1 of the above Original creditor is remaining on the credit report because they were past the FCRA compliace date and are no longer reportable. 
I have attached the last dispute request the was sent to PRA when the original creditors were reporting the date the item will be removed was
We secured an interest-only home loan with Chase 10 years ago to purchase our home. As of XXXX XXXX the loan is now changing to a principal and interest payment amortized over 20 years so our payment is doubling. On XXXX/XXXX/XXXX we applied for loan relief to help us stay in our home and were denied on XXXX/XXXX/XXXX. We applied for this loan with stated income at time and were unaware that our payments would double in 10 years. Since the loan was secured, I lost my job and my husband is working to make all of the payments .We have never missed a payment, never been late on a payment- through all of our financial hardships we have always made the mortgage a priority. What was stated on our application is not the case anymore. Chase did not do their due diligence during the underwriting process to ensure that in 10 years time, the we would be able to afford a doubled payment. We are now being FORCED into a situation to sell our home quickly or go through the foreclosure process after raising our son in this neighborhood and becoming active members of the community and schools. According to Chase, the reason for the denied modification process is due to " too much equity ''. It seems like Chase would WANT to assist with assets that have equity. This loan was mis-represented by Chase and approved hastily with no regard to the applicant 's well being when the loan changes at the 10 year mark.
Portfolio Recovery is trying to Collect {$430.00} I Dispute before the 30 days but this collection agency is in violation of state and federal government regulations. The status of limitations has expired
I had invested money into Bitcoin through the popular Coinbase website. I have used this site before for transactions and they went through fine, however my last transaction was never completed even though it says it was. I sold the currency on XX/XX/XXXX and was expected to be paid XX/XX/XXXX from the company. The amount was for {$530.00} after fees. It was supposed to be transferred back into my bank account like it has been before.
My VA Loan, my mortgage company are taking my escrow and increasing my morgate Payments 15-25 % saying they have sort and illegal XXXX insurance on me even thought I have paid up Insurance already for 12 months, now after money complaint The send me a letter saying that my morgate account Have ecsow surplus now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX XXXX
On XX/XX/XXXX, I filed a dispute with TransUnion regarding a federal tax lien being reported. Their system would not allow me to upload documentation, so I had to mail it in, which I also did on XX/XX/XXXX. OnXX/XX/XXXX at XXXX XXXX, I called TransUnion and spoke to XXXX informing him that I could n't upload my documentation, that I mailed it, and I requested that it be noted in my file so that a decision would not be made until they receive the documentation. Today,XX/XX/XXXX, I received the results of the investigation, which was " updated. '' I called TransUnion this evening only to speak to a young lady in which it was very difficult to understand what she was saying. She kept telling me that it was updated and correct. So the end result was that TransUnion made a decision on my dispute without my documentation. According to the XXXX XXXX XXXX XXXX ( XXXX ) rule of XX/XX/XXXX, " the CRA will remove any public record, judgements, and liens that do not have all the required information. '' My Notice of Tax Lien, dated XX/XX/XXXX from XXXX XXXX County Circuit Court.  displays a redacted Social Security Number and " no '' date of birth. Based on XXXX rules, I am disputing the federal tax lien that is reporting on my TransUnion report and request it be deleted accordingly.
Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code, they are illegally attempting to collect this debt and are in violation of Chapter 392. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Debit Amount- {$1400.00} Opened on- XX/XX/2016
Recently, I was sent an invitation to join Navy Federal Credit Union. I applied online, and then received an email requesting additional identification documents with a link to upload them. I received a confirmation email saying that I would receive notification of my membership with in 10 business days. Three we eks later after not hearing anything, I called the phone number listed in the email. I was told there was a flag on my account. I was transferred to some department where a lady named  XXXX  informed me that I owe {$600.00} t o NFCU f rom  XXXX . I told her I was a member a long time ago, but do n't recall when. She told me that I joined in  XXXX , which I vaguely remember ; but I told her that I do n't remember when I last used my account. Since  XXXX , I have filed for bankruptcy in  XXXX , repaired my credit, paid ALL debts, and successfully qualified for a home loan. I explained that to  XXXX , and asked why this debt was never reported to any collection agency or credit bureau. I also asked why a formal invitation had sent to me, if this alleged debt is blocking my joining. She mumbled something about records being purged. At that point, I told her that I had no knowledge of the debt other than her word, and informed her that I no longer have any interest in doing business with NFCU. This was a complete disservice, as I was required to submit some very sensitive information. It feels like a phishing scam.
I have already submitted complaints with  XXXX , Experian, and   XXXX    regarding this issue.     All three credit bureaus list a Chapter  XXXX  bankruptcy that belongs to someone else named  XXXX   XXXX  who currently resides in  XXXX , GA. If you go to ' XXXX  ' and search for '  XXXX    XXXX   XXXX   XXXX  the state of Georgia,  you  will find who I am talking about.     I am not that individual. I am sick and tired of the credit bureaus coming back with 'this information is accurate. ' Courthouses, as I am told, do NOT furnish information to credit bureaus OR public record companies (  XXXX ,  XXXX ,   XXXX   ), so I have no idea how or why these bureaus have been citing that my social security number is attached to these reports, when upon requesting the reports myself, I see NO evidence of any Chapter  XXXX  bankruptcy.     You  may  have me mistaken for someone else. I briefly worked for a company that was headquartered in  XXXX , GA. However, it was a telecommute from an ad I found on  XXXX . The company may have listed me as a GA resident even though I never had any physical residence there. I have worked for many companies being in the videography business, but never again across state lines as a salaried employee. The risk is too great.     And so now you face a choice. Either delete this bankruptcy from MY record and assign it to the CORRECT individual, or I will be forced to pursue further legal action against you in violation of the FCRA. You have no right to report inaccurate information and then legally stand behind this false information claiming that this person is me when I KNOW FOR FACT that it is NOT. I have already hired attorneys to look into this issue, but it would be a lot quicker and a lot less painful if you were to delete this bankruptcy yourselves.     I now consider this matter closed. Any further communication between the credit bureaus and myself will have to take place in court.
This company has added this account to my credit reports. XXXX, XXXX, and XXXX. I have never received any communications from this company. I have no idea who they are. I have no dealings with them. Never heard of them.
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency XXXX XXXX XXXX XXXX XXXX was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Since XXXX Ocwen Loan Services has taken it upon themselves to escrow our homeowners insurance after 22 years of us paying the insurance company directly ourselves. I have tried since XXXX to get this resolved and every since then the problem continues to remain. Them escrowing my homeowners insurance had caused our mortgage payment to go up an significant amount for the past two ( 2 ) years. Again for XXXX we are experiencing the same problem and will experience another year of higher mortgage payment because of them escrowing our homeowners insurance. We never consented to having our homeowners insurance escrowed.
I received a bill from Debt Recovery Solutions LLC for {$370.00}. The Original Creditor is XXXX XXXX Hospital. I 've never been a patient with them, however I called the hospital to see if there was any record of me and there was nothing. I called the Debt Collection company and told them I would not pay because their information was invalid, and that I researched the issue with the original creditor. The woman stated that the Hospital would no longer have my info, which is not accurate. There would have to be a date of service, and proof that I was a patient there however the hospital was unable to find anything with my name or DOB. The hospital billing dept have also never heard of this company. I feel this bill was fraudulent and they are trying to steal money from people.
FedLoan Servicing keeps adding balances and subtracting them from my account. These accounts were reported late between the years of XXXX. This has adversely affected my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one,  they did not have my correct contact Information and I was not able to be notified that my accounts were out of forbearance. I respectfully ask that the late payments due to this are removed and set the current. As soon as I contacted fed loan servicing, my loans were updated back to the forbearance status. Also, I would like to request that all loans older than 6 years be removed from my credit report, as that is longer than the SOL in my state. I need this removed ASAP, as FedLoan servicing is participating in illegal collecting and reporting practices. I have contacted them repeatedly to try and resolve this matter as well as speaking to supervisors in numerous departments without a resolution.
I was contacted by a company calling themselves FBCS Inc. They made claims that I owe {$1200.00} on an account from XXXX XXXX XXXX. They also stated that it was a XXXX Credit card. I have never had a XXXX XXXX. They asked for my social security number and information that I did not want to give out. They where forceful and rude. I told them it was n't my card, and that nothing like that has ever been on my Credit history, which I check frequently. They said they would send paper work out to my address so that I could claim it as fraud. The paper work is asking for my social security number and all confidential information that I do not want to share. They could not verify any purchases made with the credit card. I did some research and found that XXXX also financed XXXX and XXXX XXXX credit cards, but again I have never had either of those cards.