WillisBack/dataset-financial-user-claim huggingface dataset:
In response to CFPB compliant # XXXX I requested for TRANSWORLD SYSTEM INC in my last compliant to stop all collection attempts and they ignored that request.
I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!
My Issue is with a 30 day late Carrington Mortgage Servicing is reporting on my loan. I made my XXXX payment on XXXX, XXXX, 2015. The XXXX payment was made XXXX XXXX, 2015. On XXXX XXXX, 2015, they reversed my XXXX payment and applied my XXXX payment towards the XXXX payment. I subsequently made the XXXX payment on XXXX XXXX. I am not sure why it took Carrington 35 days to reverse the XXXX payment. but when they did, the XXXX payment was there to be applied toward the XXXX payment. I am trying to complete an FHA streamline refi but XXXX XXXX at Carrington said I could not because of this XXXX late. 

I want this 30 day late removed from my credit so I can proceed with the refi. 35 days to return a payment is Unfair, ridiculous and has to be in violation of RESPA or FCRA. Please have then correct my credit
Shellpoint Mortgage Servicing ordered the Trustee ( XXXX XXXX ) to illegally foreclose on my property and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on Shellpoint 's part. 

On multiple complaints I requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The response and answer clearly indicates that Shellpoint is hiding critical information and committing fraud. 

Their response is as follows : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and Shellpoint is not required to provide that information to you. '' Apparently they're continuing to charge to the account long after the property foreclosed according to Shellpoint 's provided internal report and records.
On XXXX XXXX, XXXX I received a response from my mortgage servicer, Shellpoint Mortgage Servicing, thru the CFPB web portal, to my CFPB complaint, Case No. XXXX, filed XXXX XXXX, XXXX. Shellpoint was again, non responsive to specific items of the complaint in my XXXX XXXX, XXXX filling, gave intentional, verifiable, false information and deliberate false quotes attributed to me, the borrower. In addition Shellpoint deviously set an illegal consumer trap with a document entitled " Streamlined Modification Letter '' in order to fast track " A recording of a Notice of Sale '' on my home. Please find enclosed here with a letter along with supporting documentation sent to Shellpoint XXXX XXXX, XXXX detailing & evidencing the validity of these allegations.
I constantly call this company to remove credit inquiry 's that I did not make for a credit cards and a car loan. I did not apply for a XXXX XXXX XXXX card or a XXXX XXXX credit card. I 've tried and tried to resolve this with there XXXX customer service department and to no avail nothing gets done!!!! I also have a inquiry from XXXX I did not authorize this inquiry.
Today I receive a letter from Synchrony Bank/Walmart reducing my credit limit based on a consumer report pulled on   XXXX   XXXX   XXXX   and a score of  XXXX . I called Synchrony bank/Walmart to ask when my credit was pulled and the representative (  XXXX  ) would not tell me. When I pressed for an answer to my specific questions above again he proceeded to tell me maybe on  XX/XX/XXXX  or   XXXX   XXXX   XXXX  . When I asked to speak with a supervisor, reluctantly   XXXX   placed me on hold for 14 minutes and   XXXX   came on the line as an account manager. I asked   XXXX   the same question above ( when did above creditor pulled my credit and he proceeded to me that my credit was not pulled but they use a different company to get a score.
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Can you please help me with Synchrony Bank/Walmart who are violating my consumer right by illegally pulling my credit score or lied about the fact in attached letter as my credit is frozen with all   XXXX    bureaus?
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I am aware that companies can use other methods to review an account but not as stated in the attached letter.
Please advise.
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Sincerely,   XXXX   XXXX  ,   XXXX     XXXX
No longer able to receive personal type of payments XXXX free, family and friends ) via both of my paypal accounts. 

Company refused to provide justification or allow an appeal process.
I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report.

The account was opened XX/XX/2017. 
Company : XXXX XXXX : {$1400.00}
Portfolio Recovery Associates bo ught a debt from   XXXX   XXXX   XXXX    w hich was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in   XXXX  . Now  Portfolio Recovery Associates  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!
I tried closing my checking and savings account with Wells Fargo, but was told to call back. I did, and was told to call back and informed I would n't be charged a fee for having a XXXX balance if I kept the accounts opened. I still want to close the accounts, but now am assessed a fee. I 'd like the fees to be waived and my accounts closed. Thank you
XXXX was notified by me in reference to some inaccurate accounts on my credit report. I have notified XXXX priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed  over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for XXXX is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.
My mother opened a Reverse Mortgage with reverse mortgage Solutions before she died. We have tried since she passed away to get the pay off and settle the estate. This company WILL NOT give the CURRENT information regarding this property. We have asked for months. We are opening yet another case due to the fact that our other  2 c ases have been closed with no results. In  XXXX  they sent a packet with old pay off information from  XXXX  of last year. Again, we opened a case and received someone else 's case file. In this new packet, which was addressed to us there are lots of documents that could be used to steal someone 's identity. Upon further investigation, our file and proprietary information was mailed to someone else as well. This company not only is stealing interest off of our house, but they have major violations with the safe handling of our information. We have NEVER received in writing ANY CURRENT PAYOFF information.
I recently moved and was trying to open a new utilities account. At that time they advised me I had a defaulted bill and that I would have to pay hundreds of dollars to open an account because of this. Of course, I was extremely shocked and upset to find out that there is a debit on my record from XXXX ; an old account that I had closed YEARS ago! I was not aware that my old XXXX XXXX account had gone into collections. I had paid the account in full, after cancelling it and moving. Now years after the fact, I find out that the old account is in collections. For monies I DO NOT owe them! After all these years, they never tried to contact me whatsoever!
I received a solicitation from my mortgage company Ocwen Loan Servicing stating that our mortgage may qualify to remove the PMI from the monthly payment. We 've had the mortgage for 10 years never late and our house to date has appreciate from XXXX to over XXXX assessed value based on the comps on the block and area. We were very excited to lower our mortgage payment by removing the PMI. We wrote Ocwen back and agreed to remove the PMI. We received a letter stating to process the application we would need to submit payment of {$100.00}. We thought that was odd, but thought if would be a minimal investment. A few weeks later they sent a XXXX lady out to take pictures of our home. We received a letter from Ocwen about a month later stating that we would need to submit a principal amount to equal to 80 % of the value. They never sent any numbers or explanation. We were confused that after 10 years our home did not appreciate to the standard when we knew we purchased the home in XX/XX/2007 at a competitive price. We called Ocwen, they gave us no answers and shifted us around from person to person. We asked the XXXX what the numbers, she could not give us any numbers. We requested a written explanation where she said she does know if she could do that. This is when we feel, this is a deliberate alternate stream of income to Ocwen taking advantage of their customers. A few weeks later we received a letter saying our house is only worth {$140000.00} and we would have to submit over {$34000.00} in principal to get the PMI dropped. I smell a rat. Van you please investigate. Ocwen has not responded to BBB nor the Florida State Attorney General about this concern. 

Assessed Values of properties in the XXXX, XXXX, Virginia XXXX XXXX ( Residential ) XXXX XXXX ( XXXX ) XXXX Said property- Assessed value @ XXXX will expire this year after 10 year historic tax exemption. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best & Be Well, XXXX
Bank of America is harassing me nonstop for marketing purposes, having nothing to do with my credit card or its account. They are trying to obtain information on my income, investments, etc. When I login to my credit card account I have to click through a pop-up that tries to solicit this information. They send emails to my personal email account. And most recently, they have been leaving dozens of messages on the answering machine of my home telephone.

I am not interested in additional financial services from Bank of America, and I consider all of the information they are attempting to collect as private and none of their business. They are inappropriately exploiting contact information they have on me, turning it over to their marketing department, and harassing me. Please tell them to cease and desist!
portfolio recovery XXXX XXXX XXXX XXXX, va. XXXX has a claim. on XXXX I sent a letter to stop contacting me on XXXX I received the certified return reciet. no. XXXX it was signed by XXXX XXXX I have been paying XXXX per month on account. they have resumed phone calls as of XXXX at XXXX am on XXXX of my phones. XXXX and XXXX.
My account on  XXXX   says- XXXX  i was w ondering If u guys could partner up with my bank
I applied for a Southwest Rewards Premier Visa card towards XX/XX/XXXX in order to receive XXXX bonus points for Southwest Airlines. I was approved and on my first statement cycle, I met the requirements to earn the promotional points. The statement in the advertising said, " To qualify for your bonus points, you must make Purchases totaling {$2000.00} or more during the first 3 months from account opening. Please allow XXXX to XXXX weeks for bonus points to post to your Rapid Rewards account. '' I spent the required dollar amount within the first statement cycle which ended on the XX/XX/XXXX. I made the purchases in the time frame I did because of the statement saying " please allow 6-8 weeks for bonus points to post to your Rapid Rewards account. '' On the XXXX, the points were transferred within the same business day to Southwest Airlines and into my Rapid Rewards account. Because of this time frame being significantly outside the stated XXXX week time frame, the promotional XXXX bonus points did not post in the XX/XX/XXXX calendar year like it should have in order to be counted towards my companion status. When I made my decision of when to apply for the card, I went by the stated expectation time frame for awarding of points as 6-8 weeks. Had it said " up to 6-8 weeks '' I would n't be upset, but had I known that they would have been awarded and posted on the statement close date, I obviously would have not spent the required amount in their first statement cycle or would have applied for the card a week or two later. 

I feel that if Chase were up front with their customers about how long it takes for rewards points and to let the customer know when they receive their card what their statement cycle dates will be. For me, my statement date started XX/XX/XXXX, but I did NOT receive my card until the next week. Again, had the statement date been given, and explanation of time frame for points to post to the Rapid Rewards account, consumers can make better choices and better manage their spending if they are trying to achieve something specific. 

The wording in ALL of their advertising for promotional deals is VERY vague and misleading because it leaves too much to interpretation. It also leads customers, like myself, to have a reasonable expectation to take statements on advertisements like " Please allow 6 to 8 weeks for bonus points to post to your Rapid Rewards account '' as a definitive time frame. If this expectation is being given as written, and this is a direct quote from their current advertisement ( and was the same as when I applied XX/XX/XXXX ) than it is reasonable to assume that consumers are going to expect and will plan on it taking that amount of time.
1. I've never used XXXX. 

2. I have NEVER lived in XXXX, VA 3. Under employment data : I couldn't have been hired in XXXX, it's not me. 

4. XXXX XXXX XXXX XXXX Should be removed from report it expired XX/XX/XXXX
I am filling a Complaint against XXXX XXXX XXXX for InCorrect marks on my credit file This car was total loss XX/XX/18 and I had full coverage insurance the insurance paid them They received a check from the insurance company and I do not have access to this car the car is not in my possession the car is in XXXX XXXX possession and they have reported to Equifax I have not made a payment on a car I No longer have this is fraudulent information being reported on my report this is against the law
I recently noticed an inquiry From CoreLogic/ Credco on my credit file. I never gave permission for them to do a hard pull of my credit. I do not know this company nor any company they are affiliated with. I have attempted on multiple occasions to correct this incorrect information with Credco but they are only responsive on a form letter/automated response basis. They are claiming that they are not responsible for the inquiry yet it shows their identical information on my report. I am preparing to file a defamation of character lawsuit against them here in California and would like it to be known that they are fraudulently accessing and damaging consumer credit files.
On my transunion account it is showing XXXX XXXX XXXX as a derogatory mark. That account should have been closed. It is still reporting as opened on my credit report.
I disputed with Transunion around XX/XX/XXXX, about an account with XXXX XXXX stating that the insurance company paid them late, not me XX/XX/XXXX. Which made that account 30 days late. 
But not only was my dispute rejected from XXXX XXXX according to Transunion, they deleted a perfectly good Tradeline from my Transunion report, which lowered my score by XXXX points. It was XXXX XXXX XXXX XXXX a credit card that was deleted. I never disputed this account. 
So I called XXXX XXXX XXXX XXXX to see if a dispute was presented to them in error. 
And XXXX said " no dispute was ever sent to our company From Transunion ". 
So, I think that Transunion did this on purpose. Or error. Which ever one, I need to know.
I have I put forth good faith effort to contact this TCI, Inc and XXXX XXXX XXXX who TCI, Inc says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from TCI Inc.
I am a PayPal Extras MasterCard ( Synchrony Bank ) cardholder. 

On XXXX XXXX, 2016, I made a payment of {$53.00} on my PayPal Extras MC account. 

On XXXX XXXX, 2016, a second payment of {$100.00}, *unauthorized by me*, was made to the account, being automatically debited from my checking account. This transaction caused an overdraft, incurring {$72.00} in overdraft fees and causing me a great deal of distress to sort the matter out. 

On XXXX XXXX, 2016, I called the PayPal EMC/Synchrony customer service department and explained the matter. The agent promised me that a refund of the {$100.00} unauthorized payment had been requested and would be processed and sent to me by check within 2-3 weeks. 

On XXXX XXXX, 2016, having not received said refund, I called the customer service department again. I was told that no refund had been requested. The agent supposedly ( I say that because, frankly, I have no way of knowing this was actually done ) put in a refund request during our call ( again ) and reassured me the refund would arrive by check within 2-3 weeks ( again ). 

Having been a PayPal Extras MasterCard cardholder for a number of years ( since before Synchrony Bank was involved ), I am profoundly disappointed. The current course of events is not acceptable. I am doing my utmost to make payments on this account, given my circumstances -- I am XXXX and can not work due to XXXX, and in possession of very limited funds -- and I feel I 'm being met by incompetence and indifference. 
This matter should have already been settled.
I lost my job on XX/XX/XXXX and got a new job on XX/XX/XXXX, I had to file Chapter XXXX on XXXX/XXXX because the impact from the unemployment was too much, The bankruptcy included one month of mortgage, I am two months behind and keep trying to catch up. I filed a modification today just to catch, my attorney said to wait until the bankruptcy is confirmed well in the mean time Ocwen sent me to an attorney for post petition fees ( attached ). In XXXX I lost my job and was unemployed for several months and filed for forbearance with Ocwen, it was a disgrace and a XXXX show, it took 8 months to get approved, I involved the FHA and I filed with CFPB. I did not have the energy to deal with Ocwen this time but I will not allow them to take my home, I am in the process of Bankruptcy XXXX and just sent them a modification. I would have filed sooner but the Chapter XXXX is dragging out because of objections related to Ocwen and XXXX taxes, everything is in place now but now I received this letter relating to my mortgage, I pay every month on my mortgage and I AM NOT 3 MONTHS BEHIND so I do not know what Ocwen is doing. I am filing this complaint because they are the most vial company around. XXXX XXXX
In mid XX/XX/XXXX, I contacted Navient to ask about a XXXX waiver on the student loans on which I was a cosigner. On the XXXX, I received a letter of instruction on to apply for " Navient private student loan '' XXXX waiver. On XX/XX/XXXX I submitted the Navient Private Loan Total ans XXXX XXXX Request form along with 60 pages of supporting documents. I received an " upload successful '' message. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Office of the Cosumer Advocate stated that " this review is not available for cosigners ''. I called on XXXX and left a message because I had questions. I then called 10 more times before the advocate called me on XX/XX/XXXX. At that time I was told " I didn't qualify because this was a private loan and only federally subsidized loans would qualify for a XXXX waiver ". The letter on XX/XX/XXXX reads Navient Private Loan, the form to request a XXXX waiver reads Navient Private Loan. Navient just changed the reason each time. I then asked for all the original loan documents along with Navient 's cosigner XXXX waiver documentation or any documentation about my repayment rights as a cosigner. On XX/XX/XXXX U received the loans documents but no information about my rights as a cosigner. I have also called the XXXX department but after leaving 10 messages I have received no response. The reason I have applied for a XXXX waiver is that my daughter XXXX can not make her payments so as a cosigner I am now responsible to make the payments. My other XXXX daughters have submitted requests to release me as a cosigner multiple times ( XXXX has submitted the paperwork 4 times ) Even though they have met the requirement of making 12 consecutive on time payments, Navient has denied their requests.
I had account with Capital One for over 15 years, and I always paid my balance in full at the end of the month This year my family member was in the hospital and I missed the XX/XX/XXXX payment. Next month, my daughter promised to pay but forgot to do so, so there was a late fee and interest on the statement. I paid it all in full, and even pay extra, so the balance went to a negative number, however, at the end of the month I received another statement with more interest charge! When I called, the representative told me that it takes " few months '' to clear the interest even when the balance went back to 0. Is this even legal? He refused to cooperate and I had to go through the trouble of reassigning the automatic payments to a different card, and closed the account through the automatic system. However, I still believe that the extra interest shall be refunded to me.
A leasing agent that I am attempting to use states that there is an outstanding balance showing due through XXXX for an Apartment complex. I have attempted to contact XXXX but no one seems to know what I am speaking of. Apparently the debt is being reported to XXXX but everyone I have spoken to does not know what I am referring to. This is technically not my credit report but it is affecting my ability to rent and I have not way to view the report so I am unable to dispute the charge.