WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 started loan application with CashCall Mortgage. By XX/XX/2016 I had provided them with all requested documents. The appraiser they selected cam out XX/XX/2016. The agent was telling me he had locked our loan at 3.625 % no fees and cash back loan 30 yr fixed. Said he needed all docs signed and sent back. I informed him he had not sent me anything. He tried to send them by XXXX XXXX, but said they were having problems with the software. The processor was able to send them to me and we electronically signed them and got confirmation from her that she received them the same day XX/XX/2016. The agent then calls me and tells me they are not going to fund the loan because the lock is going to expire and I did not get them the docs back in time. They sent us a XXXX with the same docs that we signed electronically, and we sent it back also the same day. I argued and asked to speak to his manager. That has never happened, and our loan has not funded. I am extremely upset about this. I need some help to get this loan funded. Closing Disclosure dated XX/XX/2016 signed the same day. Closing date was to be XX/XX/2016 and Disbursement Date XX/XX/2016. Please help.
I have ( XXXX ) 0 % with ( XXXX ) different date that they mixed up and now send statements with the ( new one ) due on XX/XX/XXXX. Should be XX/XX/XXXX. They are telling me their ability to correct this is not possible because they have a problem with their ( system ). They only tell me this on the ( phone ) and will not send me a letter acknowledging their error. They do not print the amount next to the promotional offer ID on their statements. ALL OTHER CREDIT CARD COMPANIES DO.
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX  XXXX/XXXX XXXX dated XX/XX/2017, XXXX XXXX/ZALES X/XX/2017 and XXXX XXXX dated XX/XX/2017, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Navient is my loan servicing company and I submitted an application for a renewal of the IBR plan I was on on XX/XX/XXXX. I received notification on XX/XX/XXXX that Navient received my application. On XX/XX/XXXX I received notification from Navient that they needed a letter for my spouses income. The letter from Navient states if you dont have this income documentation then you can provide a signed statement explaining the income. I provided this documentation as my spouse is a XXXX XXXX XXXX or self employed. That is the last communication I have received from NAVIENT!. I called them today XX/XX/XXXX and I was informed that 1. No one at Navient has looked at my IBR APPLICATION since XX/XX/XXXX, 2. I was told that we no longer qualify for IBR because my wife was making less money then in previous years. UHHH???? And they will not accept the letter I sent in because that is only for self-employed individuals. Form XXXX is a tax form that reports the year-end summary of all non-employee compensation. The XXXX form covers rent, royalties, self-employment and XXXX XXXX income, crop insurance proceeds and several other kinds of miscellaneous income. The explanation for them not sending me anything for over 10weeks about my application was that the documentation come in on different days. WHAT? Navient is the worst.
I have an account listed on my credit report from Progressive Financial Services stating I owe a debt. I contacted this company stating the debt was not mine however it is still listed on my credit reports. They also sent me what was suppose to be debt validation info which was merely copies of info retrieved from unknown sources. The company must be willing and able to produce a document from their files that proves the account in dispute belong to me and the information being reported is accurate. Someone in their company must authenticate the documents in their files that were used to " verify '' the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account. I have tried to resolve this with the collection agency and have been unsuccessful. 
Thank You
I had a XXXX bill that was fraudulently obtained in my name. I ultimately had the collection removed and deleted from my credit reports. The collection agency that removed the debt was XXXX collection agency after concluding that I did not open this account and it did not belong to me. 
Diversified Consultants has placed the collection back on my reports without notifying me and without giving me the opportunity to dispute the debt, XXXX informed me that they did NOT place a collection with Diversified Consultants and to dispute the collection. Had Diversified Consultants properly validated the debt according to the FDCRA they would have known the debt is a result of fraud.
XXXX XXXX complaint filed XX/XX/XXXX with CFPBFYI CFPB : I recently learned of fraud, concealment and non-disclosure at my home loan closing. 
So per recent legal education and opinions to borrowers, I sent certified USPS a letter of loan rescission XX/XX/XXXX to Chase/XXXX al which was received XX/XX/XXXX. 
Chase/XXXX al had XXXX days to file legal action to challenge the rescission or vacate it legally. 
Chase/XXXX al did not do so within XXXX days per TILA, thereby losing all rights and interest, plus the note and deed ( mortgage ) now being null and void as of XXXX or XX/XX/XXXX. 
I sent chase a demand letter XX/XX/XXXX to do per TILA send me the cancelled note, record in the land records a satisfaction of deed of trust and to refund all monies paid by me at closing and my regular monthly payments. 
Chase did not, so on XX/XX/XXXX I retained a local consumer advocate attorney to:1. XXXX send a courtesy demand letter to Chase to abide by TILA law and do the above requested in the XX/XX/XXXX demand letter. This was sent by my attorney to Chase XX/XX/XXXX. 
2. Then, after retaining a nationally known consulting attorney and expert witness on TILA to discuss with my local attorney, I sent to Chase/XXXX al a corrected rescission letter certified USPS on XX/XX/XXXX of the original XX/XX/XXXX letter ( sent without counsel ). 
3. Next, the same day, I recorded the corrected rescission letter of XX/XX/XXXX on XX/XX/XXXX in the XXXX County, Colorado land records as constructive notice to the world on the status of my property/home v. stopping Chase trying to get another free home - not me trying to get another free home - after XXXX rejected by Chase United States government loan modification programs via HAMP and HARP. Meaning Chase does not have jurisdiction or standing to do a loan modification without committing more mortgage fraud let alone foreclose stealing another home from a borrower and the investors conned by XXXX. 
4. So, I am seeking support from CFPB in my planned complaint to file soon with my local attorney in either the XXXX of Colorado or XXXX County District Court - whichever is best for basic TILA enforcement by the COURTS/JUDGES for the borrower & gt ; not the banksters & gt ; which in my state of Colorado lobbied with grease our illegal " Rule XXXX '' kangaroo court foreclosure process with no due process rights.. Which was part of the cause of the CRASH of XX/XX/XXXX and the CRASH of XX/XX/XXXX happening XX/XX/XXXX the past XXXX days.
I am a home owner in North Carolina and my rights to privacy have been broken by RoundPoint Mortgage service. They called my place of employment and gave out my mortgage payment information to my co-worker which is a direct violation of the law. They have also been reporting to the credit bureaus inaccurately that I am behind on which I never have been. I have sent them documentation to prove then wrong and they refuse to make the correct changes to my report. I have never in 15 years of owning a home been late on my mortgage and now that I have been dealing with RoundPoint Mortgage the past year, they have gravely embarrassed me by giving out my private information and continue to report to all XXXX credit bureaus inaccurately. I have tried countless times to speak with management their but they refuse to contact me back. Only until XX/XX/2016 I contacted XXXX who owns the rights to my mortgage did they finally say they would handle the situation. I do not believe they will.
Discover had a debt collector calling and writing me. I engaged the services of a credit guy and he had me send a letter asking for legal validation. They sent the attached letter saying the statements copies they sent are validation. But as per the law, it was explained statements do not make up validation as per the Fair Debt Collection Practices Act
We were in the process of modifying our home loan when XXXX XXXX closed the account. All docs were submitted to her. 
We dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX prior to the foreclosure begging for a postponement. 
These are all employees of Chase out of XXXX XXXX 's office No assistance at all ; Chase foreclosed anyway.
I have disputed the inaccurate reporting of Pinnacle Credit Services LLC several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. Pinnacle is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX Pinnacle Credit Services LLC. The investigation into this inaccurate account has been less than adequate.
I have an issue with my mortgage. I was unemployed from XX/XX/XXXX through XX/XX/XXXX. In late XX/XX/XXXX, I approached Well Fargo to request a re-fi to enable me to reduce my burden given my employment situation. They agreed and asked us to pay a small amount monthly, which we paid on time every month, and they eventually came up with a 40 year plan with a higher interest rate in XX/XX/XXXX ( predatory? ). We agreed to the terms and began to make payments on this new loan. We didn't have much choice as I had not yet landed a job. All of our payments have been as per commitment and on time for this new loan starting in XX/XX/XXXX. Well Fargo then reported us late to the credit agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX,  without notifying us. We were applying for a loan and were denied due to poor credit from late mortgage payments. We disputed this and it was rejected even though they sent a letter saying that they will not report us late to agencies as long as we were on time. The letter actually contradicted itself! In speaking with their loan consultant during that time period, I made it crystal clear that we did not want this to impact our credit, and that we would draw the money from other places to make payments to avoid credit impact for this secured loan, and she said it would not affect credit as long as we complied with new payments as requested. We did comply. When we complained about this, we were given a case manager to specifically work on our case and were told to call her for assistance while this was being worked. I called the Case Manager about 5 times and she never returned my call. She chose to deal with us via postal mail, not even email, with contradictory messages! Ironically, all the reduced payments did was add the interest to the end of our loan and increase the loan amount! I'm now gainfully employed and have been since XX/XX/XXXX but we're not able to qualify for a loan for our XXXX going to college and relocating there in support of them. What can we do to get our credit repaired quickly, given that Well Fargo still claims that their process was followed correctly? How can we be reported as late those months when we were making payments on time? Thanks in advance for the help and advice.
Rude and agressive man called asking how we plan to pay the {$700.00} Dls that we owe to XXXX XXXX. Relentless even after we explained : We did make a purchase at XXXX XXXX, and paid the entire amount with XXXX XXXX XXXX at the time of purchase. We DO NOT HAVE A XXXX XXXX account. He refused to answer how he got our purchase information. We hang up while he was yelling. Unfortunately do not remember the man 's name, but said he was with Ashton and Weinberger. My phone ID shows this info : Ashton & Weinber, XXXX, XXXX, XXXX XXXX. 
I found on the Web several complains of the same phone number and Ashton & Weinberg using the same rude, aggressive tactics, claiming non exiting debts to harass people, just as the experience that we had.
I am getting XXXX or more phone calls from Walmart Credit Department from an automated machine. My account gets paid the first of each month. They never send me any emails about delinquency. Sometimes there is a message on voicemail but phone number comes up unknown. On Monday, XXXX XXXX, 2015 I got another call at XXXX. They left a call back number this time XXXX. They gave me a live person to speak with after giving her my SSN and name. I told them to stop calling. I pay my account on the first business day of each month. They kept asking me personal questions and I said stop. If you have my phone number and account info in front of you why are you asking. They ignored what I said. I want these calls to stop. They kept asking for my personal information like address and email address.
First of all, we were not aware of this debt. This was a landline phone at a rental property and XXXX XXXX XXXX did not get the bill correctly mailed so that we could pay it. They just turned it over to a collection agency which is whom I have the biggest complaint with. After applying and being denied for credit, I discovered that this was on my credit report. I immediately called XXXX XXXX XXXX that said to call AFNI and pay with them since it had already been turned over. I stated that I wanted it removed. XXXX said if after calling AFNI I didnt get resolution to call them back and they would pull the account back and I could work with them. I called AFNI on XXXX/XXXX/16 and explained what I needed, she said she would gladly take the payment and then I could have this removed. After being denied once again for credit on XXXX/XXXX/16, I found out that the debt was still showing in collection and still being reported even though I had paid in full on XXXX/XXXX/16. I then called AFNI and was treated so rudely. The gentleman basically said I was a liar - that they werent going to remove anything. I have never seen such horrible customer service to someone who is obviously distraught over losing a mortgage loan over a {$100.00} debt.
This Company uses many different names XXXX and XXXX quicken loans, Quicken loans has obtained or attempted to view all XXXX credit bureaus on more than 6 times unauthorized.
CFPB complaint XXXX has been closed without giving me a chance to reply. 

I am still waiting on paperwork for the closing. I have not received a statement since XXXX when believe I may have overpaid on the last payment amount. 

I am still waiting on the mortgage and statement paper by the mail..
XXXX Loan inception. Was assured that twice monly partial payments were permitted. 
XXXX Divorce. He signed quit-claim. Bank would not remove hime from loan unless refinanced ( would not restructure ). Did not qualify for refinance. Tired several times. XXXX was told that the only way they could restrudture was to allow loan to go into foreclosure. 
XXXX Bank neglected to pay homeowners insurance from escrow. I was not notified. Bank forced surplus insurance. 
XXXX to present. On and off calls to bankd re : insuance. Was told I had to wait until renewal to replace surplus with my own insurance. Meanwhile, I moved XXXX times and did not receive any notice. 
Present : Multiple calls and letters to bank. Some respnse that someone would reseaach, but no followup. The latest was XXXX XXXX at XXXX ; fter no word or return calls for XXXX weeks, found that he was no longer with company. Loan was about to be foreclosed. 
XX/XX/XXXX XXXX XXXX XXXX approved foreclosure. She noted tht there were over XXXX file notes that not her concern. Foreclosure due to non-payment for over 108 days. I HAVE NEVER MISSED A PAYMENT. She is responsible for the forecloser if not paid by XX/XX/XXXX. There are no errors on the part of the bank. 
I have bank statements and have also provided over XXXX years of accounting trying to track my payments. I filed an insurance/escrow research request with the bank. The loan is scheduled for foreclosure tomorrow.
All of the above happened actually. I am receiving frequent and repeated calls, the caller is using obscene and profane language, he is calling and harassing my family, and I have sent in a letter asking them to only contact me by USPS. I have never received anything in writing from the company, even though it has been requested and they are continuing to contact my family, friends, and people I do n't even know about my debt breaking every privacy act for me.
I received a call from a XXXX XXXX who works for XXXX XXXX XXXX but pretentious to be a police officer. He first contacted my sister in law threathening to lock her up if she did n't pay him XXXX dollars within one hour. She intern called me. And gave me a phone number for him XXXX. I called him and he wastalking about coming to arrest me and my sister in law if I did n't pay him XXXX within one hour. He was very rude and threatening me with cursing and coming to lock my a up. I also was called from his office by a female who just impose as a court clerk. The phone number she used was XXXX which appeared to be a XXXX bogus phone #. I was threathen by XXXX XXXX and his associates which I an XXXX and have health issues that caused me to have a XXXX XXXX. And they caused my sister in law XXXX XXXX XXXX. Something needs to be done about this. A friend of mines paid XXXX to this company because of his threats. And in personinating an police officer is a crime as well as communicating threats. Please get this man and his associates. His phone number is XXXX. Help my name is XXXX XXXX my email address is XXXX XXXXXXXXXXXX.
They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the call.
I have had ongoing issues with the servicing of my XXXX XXXX XXXX XXXX XXXX XXXX for almost four years. I have provided great detail in the attached document to assist Barclays in understanding the depth and breadth of the issues, but to summarize for the purposes of this submission form, my complaint pertains to the following : 1 ) Incorrect credit card numbers tied to my account ; 2 ) Incorrect persons named as the primary and authorized users on my account ; 3 ) Refusal of Barclays to update my name on my account to my married name despite my having submitted all required documentation ; 4 ) Years of website issues constantly preventing me from accessing my account ; and months of new issues preventing me from using most features of my account. These issues occur regardless of browser and regardless of device. I can not see or print statements ; can not see or use earned miles ; can not pay my bill online, etc. IF I am even able to login, I get errors " Ooops! That was n't supposed to happen! '' or " Uh oh! Something went wrong. Please try again later ''. 

Again, you will find that I went to great detail in the attachment in providing background in hopes that it will assist Barclays in finally getting to the bottom of these issues. After four years of frustration and lost time, I hope to see resolution to all issues very soon.
On XX/XX/XXXX, a XXXX XXXX XXXX check in the amount of {$12000.00} made payable to me ( XXXX XXXX ) for an injury payment from XXXX insurance was stolen. Although the check had been endorsed to my XXXX XXXX XXXX XXXX account, had the account number and " for deposit only '' on the back of the check, the thief was able to replace my name with their name and address on the front of the check ; replace my signature on the back of the check ; however, the account number or " for deposit only '' was not tampered with. The check had already cleared when I became aware it had not reach my financial institution. According to a copy of the cleared check I obtained from XXXX it looks like the check cleared or was deposited on XX/XX/XXXX at an Iberia Bank. Even if the " fake name and signature '' on the check matched, what is the probability that the thief and I had the same account number???? A police report was filed and I have been working through XXXX to get the issue resolved. I was initially told by XXXX XXXX ( My injury case manager at XXXX ) that the process could take up to 90 days and that XXXX XXXX XXXX would contact me and send a package of information to complete for its investigation. XX/XX/XXXX, I had not heard anything from XXXX XXXX XXXX so called and emailed XXXX XXXX. I did ask for points on contact for XXXX XXXX XXXX at that time ; however, I was informed he would be the liaison. this process was new to him as well and had been given guidance by his supervisor. There have be intermittent follow-ups. My last update from XXXX XXXX on XX/XX/XXXX ; he stated that XXXX XXXX XXXX was trying to get the Iberia Bank to make good on the check because it should not have been cashed and the outcome would be know on XX/XX/XXXX. I called ( left a voice message ) and e-mailed XXXX XXXX on XX/XX/XXXX after not being contacted with any new information. This lack of information has been occurring throughout and I think that i have been very patient during this wait time. I am totally exhausted at this point. I asked for information on points of contact at XXXX XXXX XXXX, file number associated with this case and other information as I needed to be much more involved and explore other options. I spoke to someone in this office ( Consumer Financial Protection Bureau ) and told how to submit a complaint on line. If your office can help in any way, I will be most grateful. I was also told to contact the Georgia Bar Association to get the name of an attorney in my area. ( Note : I think the check may have been stolen from my mailbox but am not certain. I send checks from my rental property to my bank that was as well and this has never happened ). Needless to say, I don't put anything of value directly in my mailbox anymore. Thank you.
I am currently a teaching trying to make XXXX payments for student loan forgiveness. There are many stipulations to the qualifying payments. Over the summer of XXXX this loan servicer messed up my income driven repayment application. I was supposed to have a payment around XXXX dollars and for four months I was constantly on the phone with them trying to make them remove the XXXX XXXX monthly payment they were charging me. This was four months where I could n't make a qualifying payment because they messed up my account. Finally, I filed a complain with CFPB and within a week they fixed my account. Now, I went online to make my payment and they are saying my payment is only {$5.00} because my account is in " XXXX XXXX XXXX '' even though back in XXXX of XXXX I requested to have any paid ahead status permanently removed because it disqualifies payments from counting towards loan forgiveness. This paid ahead status should n't even be on my account because I made the exact payment due last month. When I called to speak to someone they kept transferring me to someone else, I spent HOURS on the phone during my day off trying to get the matter taken care of. Everyone that works here keeps telling me they have no idea why my account would only have a {$5.00} payment because they are n't showing any paid ahead status on their end. I believe this company is being dishonest and difficult on purpose for those trying to make qualifying payments and needs to be dealt with accordingly.
this credit card was my credit card but someone also used this card with out my permition I called capital one they have told me that they are going to mail me staments which they have n't any please have then remove judgement and credit bureau since this a fraud in this account