WillisBack/dataset-financial-user-claim huggingface dataset:
My refinance with Freedom Mortgage started XXXX XXXX, XXXX and was on schedule to close by XXXX XXXX, XXXX. XXXX XXXX contacted me with a notice of incomplete application on XXXX XXXX, XXXX and we talked about documents that were suddenly required. Certain documents were not fully explained to me like the XXXX, I was told I could get a 15 year loan and only pay {$25.00} more than what I am paying now, which turned out to be a total lie, and emails back and forth between XXXX and I were unproductive because she would not answer my questions. Over 2 weeks I fought to get the documents to XXXX, and my email was not working properly and I was not given any other alternative to try to get the documents to her. Her assistant XXXX was short with me and would not originally give me XXXX email address and I had to call the following week, XXXX XXXX, XXXX, and get it from someone else. Around XXXX XXXX, I had no update on my loan so I called and complained and my loan was transferred to another officer. The importance and ins and outs of a couple additional documents needed that I knew nothing about, were explained to me. However, now on XXXX XXXX, XXXX, I receive another notice of incomplete application stating that we need to " post XXXX payment to satisfy aging requirement ''. I left a message with the loan officer because if that means we have to pay XXXX AND XXXX before we can close, this is ridiculous. We have NEVER missed a payment on our mortgage. We had to cancel our XXXX vacation because we were looking forward to having that skipped mortgage payment, and were hoping to take the vacation in XXXX, the only other month we can get away this year, and now they are pulling this? When we refinanced in XXXX, it was fast and easy. This has been a nightmare, stressful, dissapointing, and angering. I believe XXXX and XXXX 's attitude and lack of care, help, and concern have ruined our chances of getting this refinance done in a timely and orderly manner.
After requesting validation from XXXX XXXX and receiving no response I pulled my credit report. On XXXX/XXXX/XXXX XXXX XXXX account XXXX balance was deleted from my credit report. However on XXXX/XXXX/XXXX the XXXX XXXX account reappeared on my credit report as account XXXX. 
I received XXXX from XXXX XXXX XXXX. XXXX/XXXX/XXXX sent dispute to Experian regarding invalidated debt reappearing on my credit, duplicated account and cancelled debt being reported. As of today I have not received a response and credit report pulled XXXX/XXXX/XXXX still shows duplicate account along with debt balance for which I paid federal taxes on.
On XXXX XXXX 2016 I was incarcerated ( I will attach documentation from XXXX XXXX Jail ) for a period of 4 months. My children were left in the care of XXXX friends of mine as my parents are deceased. I left them with over five thousand in cash to take care of my children and bills for this period of time. None of my household bills were paid, luckily I had paid my mortgage for a year ahead in payments. During this time they rifled through my room, stole my parents wedding bands, children 's savings bonds and some tools. They also located several credit cards. They proceeded to max all of these cards out and the ones they did not use ( store charge accounts without a master/visa logo ) were closed due to the damage caused to my credit score, which fell from a XXXX to a XXXX. Upon my release I took the appropriate action of filing police reports, disputes and fraud complaints. A few were resolved quickly and in a positive manner, though there was little I could do about the closed charge accounts. However after providing all the reports a few of the cards have given me problems, now 2 months after my release I am taking further action to try and obtain satisfactory results. I 've had enough after spending countless hours on the phone and dealing with collection calls for charges I did not make and that did not go to the care my children! I worked hard to build my credit and have done my best in the last 3 years to make my payments on time. This whole situation has been sickening. 
As a result of the a fore mentioned actions I had several store charge accounts that were closed, even though they had either a zero balance or a small balance. The reason given was inactivity ( due to my incarceration ) and a change in credit score due to the fraud that was committed. These accounts were backed by Synchrony bank. The only account that was resolved through them ( Synchrony ) was my Wal-mart card ( which did have a payment made on it and then the people who committed the fraud asked for a credit line increase ) and the card credit line was restored. However my XXXX XXXX Tj Maxx XXXX XXXX XXXX, Toys R Us XXXX XXXX XXXX were all closed. While incarcerated I had a small remaining balance on my XXXX and had some late charges, I paid this off in full XXXX and they still refused to open my credit line and stated I would have to reapply which would only hurt my credit score more. Since they restored my Walmart card I have used it and made my payments on time as I did before my incarceration.
I filed a dispute with Equifax that I had never made a late payment to XXXX XXXX XXXX XXXX. Equifax has responded to me, and I quote, " We have researched the credit account. Account # XXXX The results are : There is no historical account information currently on this account. This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. Additional information has been provided from the original soured regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX LA XXXX Phone : ( XXXX ) XXXX '' End quote. Everything listed there is totally contradictory. However, I have tried contacting XXXX XXXX directly. They are no longer in business! The XXXX phone number is a non working number. Mail sent to that XXXX XXXX has been returned to me with forwarding address unknown. Further, this account was transferred to another credit union in my area. I contacted them about the issue of this erroneous late payment, only to learn that they do n't have access to XXXX 's files from that time period and have no way to access them. I truly believe that Equifax did not investigate my dispute at all and is just saying they did. This is not the only account that Equifax is reporting recklessly and without recourse on my credit report.
In XXXX 2015, I received a notice from a company named XXXX XXXX , XXXX stating that I owed a debt to XXXX. I called this company and also XXXX and reported that I do not owe this debt as I had never sold anything on XXXX. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from XXXX claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named Allied Interstate LLC claiming I still owed XXXX a debt. Apparently XXXX allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, XXXX and XXXX. I have also spent time making police reports, consulting with an attorney and responding to emails from XXXX. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your XXXX account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by XXXX. Most people probably pay rather than deal with this abuse.
Transunion removed XXXX ( an account that I have disputed multiple times ) and added it back to my report without notifying me.
My bank is Wells Fargo. On XX/XX/XXXX, I made a XX/XX/XXXX mortgage payment by bill pay of {$3000.00}. I did this without knowing that my wife set up automatic withdrawals for the mortgage payment. The payment posted and as a result the XX/XX/XXXX mortgage was paid. The following day, Wells Fargo withdrew XX/XX/XXXX payment of {$3800.00}, thus putting my checking account {$2800.00} in the red. After repeated calls and internal transfers, the Wells Fargo claimed it could not replace the funds or reverse the transactions because they ( people XXXX were not allowed to intervene. As of this writing, my account remains in arrears. I am told it could take another 4 days to resolve, but in the mean time, I am unable to access cash, and other automatic payments are being kicked back thus resulting in further fees and aggravation. Wells Fargo is the worst bank in the world!
On XXXX/XXXX/2015 carmax charged me twice & its on my bank statement & I faxed them a copy of the charges. They are still declining the double charge. Check # XXXX is an unathorized charge. I need help
I have received many calls from the debt collector stating I owe a balance that is false I tried to resolve the issue but even contacting the original Creditor Name XXXX XXXX XXXX XXXX they say the debt is coming from who also verified that I owe no balance of such at all in the matter and this should had never been send and also informed them to delete from credit file ad close account but I am still getting harassing calls on this matter that should had been removed and resolved.
I noticed inquiries on my credit X/XX/17 I filed a fraud report due to receiving a call from lending tree stating I was approved for a loan. I advised them I never applied for a loan. I looked at my credit report through my XXXX XXXX  card and I have over XXXX inquiries for credit I never applied for. Then there 's names and social security numbers not mine. I called trans union and was advised the fraud report will fix it. Now my credit score is dropping and I am doing nothing. Then my XXXX card is reporting wrong information. I had to get new bank cards and replaced my credit cards. I just want this fixed.
A qualified endorsement was Tendered and delivered to LoanCare , LLC and it was received by Priority mail Express on XXXX XXXX, 2017 @ XXXX XXXX by XXXX XXXX. This tendered payment is an instrument considered as U.S. Legal tender in the secondary market and is a consideration to pay my mortgage in full and satisfy the mortgage. I have not received any letters or written correspondence at all, and did not receive any notification or filings that my mortgage will be receiving a certificate of satisfaction and or released from obligations.
Navient had me put my loans in forbearance because I could not afford the monthly note. They told me I made too much money to do the income driven plan. After years of deferrals and forbearances the interest was rising and now I went from owing XXXX to XXXX. I started sending XXXX bi weekly when they said all avenues were no longer available. I sent payments for several months. I received harassing phone calls on my cell, at my job, and emailing me constantly. They turned me in as defaulting and I was sending the XXXX bi weekly. Then, after turning me in and ruining my credit. They sent XXXX after me and they submitted garnishment of my wages documents with my personal social security number and identifying information to fac numbers that went to my co workers and not our payroll department. XXXX did this. I called them and said that was illegal. I ended up having to send them XXXX a month and could not afford it. Now, I owe them over XXXX dollars instead of XXXX. Disguisted!! XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX The college I attended was University XXXX at XXXX
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
I keep getting repeated phone calls from Midwest Recovery Systems about a debt I know nothing about. They keep asking for identifiable information from me, such as my SSN, address, and birthdate. They are calling almost daily and have been for over two months. Yet they refuse to disclose to whom thus debt is owed or in what amount. I have requested a validation letter, to no avail. We have spoken with supervisors with no help. When they call, the number comes up as a WV number, but when an online search is conducted, it shows they are located in Missouri.
On XX/XX/XXXX, I was online at the XXXX website intending to purchase XXXX DVDs of seasons of " XXXX XXXX XXXX XXXX XXXX ''. During the process, I received an onscreen message that I had become a member of " XXXX XXXX ''. From what I recall, I stopped the process and called XXXX and told them to cancel everything. I didn't want the order and I certainly didn't want to become a member of " XXXX XXXX ''. I was assurred the account was cancelled and the order was cancelled. I then got back online with XXXX and used one of my credit cards to purchase the disc. A couple of days later, the disc arrived by XXXX, and I waited to pay my credit card bill. I never saw such a charge on any of my credit cards. Then, THREE MONTHS LATER ( XX/XX/XXXX ) I received a statement from Synchrony Bank/XXXX  in the total amount of {$100.00}, consisting of a " previous balance '' of {$68.00}, " Fees Charged '' of {$35.00}, and " interest charges '' of {$1.00}. Meanwhile, during the three month period that had elapsed, I received nothing from Synchrony Bank/XXXX XXXX., no statements, no bills, no credit card, etc. Yet, three months after the transaction I cancelled, they want to bill me {$100.00}. This is a grossly unfair business practice and I'm not paying them XXXX cent. If they want their DVDs back, I'll send them if they pay the shipping cost. But, to send me a bill three months after the cancelled transaction won't work.
Merchants and Medical Credit is has continuously attempted to collect one 2 debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on one of the accounts by {$1.00} ( from {$440.00} to {$440.00} ) and listed them both as closed collection accounts. The following week, the accounts are listed as open collections with the balance on one being decreased by {$1.00} ( {$440.00} to {$440.00} ). In doing so, my credit score was further damaged. Photos are attached as proof that you changed the balance due. 
On XX/XX/2017, Merchants and Medical replied to a complaint filed with CFPB. They state that the alleged debt was for medical treatment for a minor child. They said that they will send an itemized bill that they just received. If the bill was just received, how could all of my previous disputes come back as verified if they are just now receiving the bill. 
Merchants and Medical Credit has failed on numerous occasions to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.
Hello, I was working with another company regarding a business mater. 
I was told by the other company that I have not paid my mortgage since XX/XX/2018. I have paid my mortgage and the mortgage is current.. My mortgage is showing at the credit bureau that I have not paid my mortgage since XX/XX/2018. 
This can effect my credit score as well as other adverse actions.

Also, I have not received my mortgage statement since XX/XX/2018. When I call Selene Finance XXXX XXXX a customer service agent said a third party administrator will send the statement. I have been calling since XX/XX/18. 

Please help.
I continue to try to resolve this with Bank of America. However, they continually place themselves in a position of legal representation and bill collectors for a company who is not even their customer. It is appalling to think that a bank cares this little about one of their customers. I have tried multiple times to explain that the merchant had NO authority to charge my card. But the powers that be at BofA dont care at all about using any common sense at all. Even though I have explained that the merchant is trying to double collect by charging me and also a lien on the property involved, they dont listen or care.
I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have zero documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.
We have attempted to apply for a loan modification from Wells Fargo 5 times. We have a Wachovia pick-a-pay mortgage. Most recently, following the loss of my husband 's job, we submitted modification paperwork. The online HAMP calculator indicated we should have been given a modification but WF declined us again. We are several payments behind but have been making regular monthly payments. They have now written to us saying they will accelerate foreclosure against the property. We believe that the modification was turned down incorrectly and that the bank is deliberately declining to help us.
I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.
This is about a purchase I never received since XXXX and the credit card toying with me and keep saying they sent disput form and they have to investigate and the person I talked to she was very rude interate style and make this look like a crime investigation and told me that I should go after the company and post office really Fact is XXXX XXXX cards have purchase protection for lost item never received and they just being cheap
After the hurricane of XXXX, I called RP Funding to pay over the phone because their website was down. At that time I was offered 3 month forbearance since My account was current and I had experience property damage. I was told that the 3 months payments would be added to the end of the mortgage, that no fees would be incurred and there would be no effect to my credit. When I tried to pay for XX/XX/XXXX as I was told my next due date would be, the website was still not functioning so I called the company again to make the payment. The agent who took my payment apologized for the inconvenience, took my payment and waved the fees normally charged for phone payments Thereafter I started to get delinquency letters and when I called to query the letters I was told that I should disregard them because more people accepted the offer than anticipated and that there was a back- up in updating the records. I continued to make my monthly payments and made several contacts with the company by phone and letter in attempt to resolve the issue. About XX/XX/XXXX, I received a letter stating that my payments would be returned and future payments not accepted. Subsequently I wired the total funds they said I owed even though I disagreed with the total. This was also returned stating that I needed to send more than {$2000.00} additional. Then I receive notice that foreclosure was filed and my account was reported to the credit bureaus as delinquent. I think that the hurricane is being used as an excuse to charge additional fees.
I received a {$50.00} bill from a Citibank ATM. When I went into the branch location to make change, they confiscated it and told me it may be counterfeit. I thought using my bank atm would be safe. The Citibank assistant manager told me that another company loads the Citibank ATMs and that Citibank was not responsible. I was told it would be sent to secret service for further evaluation.
Myself and a family member opened up a joint checking account with Union Bank of California, now known as MUFG Union Bank, in 2002. The checking account was for the benefit and use of that family member. Subsequent to opening the account, that family member applied for and received a personal line of credit affiliated with the account. That line of credit, while not technically an overdraft account per Federal Law, is an open-end credit account that includes the ability to transfer funds from that account to the checking account and fulfills an overdraft protection function. According to Union Bank, I am listed as a joint account holder of the line of credit account even though I did not consent to that line of credit application. According to Union Bank customer service supervisor XXXX, Union Bank considers me to be jointly and severally responsible for payment on the line of credit account along with that family member just by virtue of me having a joint checking account with that family member. Union Bank refused to provide any substantiation of my responsibility for the balance of this line of credit.
I originally received a call from this company attempting to collect a debt. I offered a settlement without doing any research on the account because I recognized it. They denied the first settlement offer, I then tripled the settlement offer and still they refused. So I did some research and disputed the account with the 3 credit bureaus. They all removed the account from my report on the grounds that it was too old to be collected on. 
I called this company and notified them of the finding by the credit bureau and asked for them to XXXX out the balance and close the account, they refused. I then asked not to be contacted any more. They continue to contact me on a weekly basis. This morning I awoke to an alert on my credit report, they have since reported the same debt removed from a dispute again and continue to call me. 

Please help me, these people are harassing me and ruining my credit that I have been trying so hard to fix.
Still waiting to received a " CERTIFIED '' copy of true original Heloc Agreement. Copy needs to be the full size and not a reduced image size and mailed to my address as well as a copy sent to the CFPA.