WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, ( my mortgage holder at the time ), included information in a billing statement about refinancing with New Leaf Lending ( aka Skyline Financial ), an affiliated company. I contacted New Leaf and was assured by XXXX , the mortgage broker that he was familiar with the subordination clause in the affordable housing community where I purchased my home and XXXX had purchased the loans from the XXXX XXXX XXXX . A good faith estimate with a 4.625 % interest rate was provided which I signed and returned and I instructed the rate to be locked in and XXXX told me he did and that it would remain locked until the loan was funded. Any paperwork that was requested was provided quickly by me during the entire four month process. At the very end, when the loan was to be funded, XXXX sent me a new 'good faith estimate ' with a 5.125 % interest rate with the instruction that I should sign it. I was told that I had already signed a 'good faith estimate ' reflecting that rate. That was untrue. This was completely unacceptable to me and after discussion with XXXX and his supervisor, XXXX XXXX, about their 'bait and switch ' tactics, I cancelled all business dealings. I have all of the documentation associated with this refinance including emails and documents submitted to me and by me if you would like to see any of it. Thank you.
I have tried repetitively to have Experian and XXXX to take of a Bankruptcy showing on my credit file. The date of this is XXXX 2014. I never filed bankruptcy at that time. I asked them to verify by showing my signature with any legal paperwork. They did not, and kept on saying it was verified. I will swear under oath to this if need be. They are mistaken my information. I want this off both these credit reports right away. It is hurting my credit score. They are in violation of my rights under federal law.
This is not a complaint against the bank per se, it 's more a complaint about your regulation for this particular type of transaction. My friend was in desperate need of money and he asked me to deposit {$60.00} into his B of A account. When I presented B of A with {$60.00} in cash, they insisted on seeing my driver 's license and recorded my number in their system. They claimed this is a regulation from the Federal Government. I think this is absolutely ridiculous. Depositing {$60.00} in cash and recording that information serves XXXX purpose other than just more paperwork, and more useless paper-trailing and XXXX XXXX tracking. You 're not stopping any XXXX activity nor catching any XXXX by having them monitor a {$60.00} cash deposit. I would understand maybe if you had some kind of threshold maybe of {$1000.00} or something but me lending my friend a few bucks is no ones business. I like the idea of the CFPB, but your XXXX regulations like this make me want to side with some Republicans and get rid of your department.
This is the 3rd time I have had to file a complaint with the CFPB on XXXX XXXX to get this corrected. I really dont understand. I file a complaint. XXXX XXXX removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize XXXX XXXX has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. XXXX XXXX misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.
I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous Navient & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the XXXX & XXXX for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX University XXXX XXXX where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).
I disputed fraudulent accounts on my credit report with XXXX, XXXX and Equifax in writing twice. I requested that XXXX, XXXX and Equifax send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @  XXXX I spoke with a Supervisor by the name of XXXX XXXX of XXXX over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF XXXX has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617.
<P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from XXXX and Equifax as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first two letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.
I have multiple inquiries on my credit report. I have wrote the company and disputed it with Equifax and it still remains. I would not continue to have my credit report ran by a company that I did not give authorization to do so. I have asked for proof of my signature and requesting to have the company stop putting hard inquiries on my credit report that is not valid
XX/XX/XXXX My mom received a call first they did not state who they were they just said they were looking for me if her a phone number and a case number and for me to contact them immediately I immediately contacted them before getting to work and the woman did not say her name she just said she is calling to collect a debt and I asked her okay what day what company she just gave me the name of who I owed money to which is a payday loan she said this loan is from XXXX I told her okay can you give me a phone number and your name and I will contact you immediately as soon as I'm off work she then stated if I hang up on her there will be a police officer at my door a police officer at my job and they will be serving me with court papers because I'm going to be sued for fraud and breach of contract I explain to her I will work something out can I just please give you a call I have to go into work she then yelled and said do you not understand that if you hang up now it's going to be that you are unknown cooperative I explain to her I will cooperate if you let me give you a call back she then said no I'm sorry I'm going to put you down as uncooperative and that's it I hung up on her I then received five more calls from a different phone number and the lady did not say hi my name is or anything she just said did you talk to anyone I explained to her who is this she said I asked if you talk to anyone if not you're being sued I said who is this and she did not say her name she was just giving me attitude she also said I can do payment plans I told her okay I will do a payment plan but I need you to send me your information through email so I know where my money is going she said first payment you make then we will send you information I said no and then I told her I am not off work yet I will call you back when I'm done she then said no we're stealing you that's it I don't care we're going to garnish your wages we're taking everything that you have because you owe us {$450.00} I hung up on her and she kept calling and calling and calling and calling me it's frustrating because I am a single parent of two kids I don't make enough every two weeks and I'm barely getting by and for them to threaten me that I'm going to jail is just not okay because I'm literally all my kids have.
on XX/XX/2018 I was looking to purchase a home, upon pulling my credit report, I noticed there were some odd things on my reports, so i order copies of my credit reports. I found out I was a victim of Identity theft. I notified all credit compines, and filed a police report, and a Identity theft report. I also notice that someone ordered cable services in my name, from the same cable company I go through now, an d have been for awhile now. XXXX XXXX. They ordered serivces at a address that I do not live at. Well what happened was I do not know, I am shocked. I called XXXX XXXX I am current on my bill I told them what was going on they had no clue. I reached out to the collection agency, XXXX XXXX XXXX account number # XXXX there address is XXXX XXXX XXXX XXXX XXXX WA XXXX TEL:XXXX  I was very upset she was rude I was upset, I told her what was happening she did not care just yelled at me and said I get it you are a victim of fraud, and told me they would send me some paperwork. I never heard anything back. This collection agency states I owe them XXXX no I do not. People should be more kind. You know it XXXX when someone stills you Identity and, this collection agency had no remores she just want all my information so they can call me 40 times a day like they have been but they will not give me there fax to send the police report a email or I still have not got the paperwork in the mail to send back my proof I been a victim of Identity theft.
These loans were taken out under coercion from my ex-husband. The only way to keep peace was to take out these loans. I was against taking these loans out. This is a case of XXXX XXXX.
My wife and I both checked our credit reports, as we periodically do. There are several accounts on each of our reports, listing Portfolio Recovery for XXXX XXXX debts. We have never received anything, in writing, from XXXX XXXX or Portfolio Recovery. We have, however, received threatening voice mails from Portfolio Recovery, which we know is part of a possible scam. With all of the scams out there, we will not pay anything over the phone ; and certainly, nothing that is n't owed. We each did have XXXX XXXX accounts, years ago, which were charged off in bankruptcy. We have never received anything in writing, regarding anything owed to this Collection Agency. We only have discovered these on our credit reports. Proper debt collection practices and laws have not been followed. I know this agency purchases debt from creditors, but debts charged off in bankruptcy? VERY suspicious.
A delinquent mortgage belonging to my estranged husband was added to my credit report on XX/XX/XXXX by Loan Care ( XXXX ). I am not nor have ever been a Co-Borrower or Co-Signer on this account. He has had this loan since XX/XX/XXXX. Now that he is delinquent Loan Care has reported this account illegally to my credit report. My score has dropped 70 points. I called to discuss on XX/XX/XXXX when I discovered this error and was told the first time that this was not their error and that I had to dispute with the credit bureaus myself. I called again on XX/XX/XXXX and was told that I was not in their system as being on the loan and to submit an email to customer service. I submitted an email on XX/XX/XXXX along with 2 Credit Reports showing the negative account on my credit reports where I was listed as a joint mortgage holder. I received a generic response with a ticket number. I called on XX/XX/XXXX and was told that because I was not on the loan as a co-signer or co-borrower they could not discuss with me. If no one from Loan Care will speak with me or acknowledge that there is an error how do I get this delinquent mortgage off of my credit report?
The bank in question reporting my payments as being late from XX/XX/2016-XX/XX/2016. I was set up on automatic payments for that time frame in question and every payment came out of my checking account at the same time every month and was never late but yet they have reported me late every month until i finally had to pay them and close my account with them for the damaging effect they were having on my ability to get a home loan with the best possible rates.
I am repeatedly receiving a collection notice from Transworld Systems , Inc. regarding a debt owed to XXXX # XXXX in the amount of {$61.00}. When I call XXXX, I am told that I do not have any balance due. XXXX has noted this on my account. Transworld keeps sending me these collection notices, however. When I attempt to call Transworld, I get put into a call queue, which then dumps into a voicemail, and no one ever answers or returns the call.
This complaint is on behalf of my partner -- - as he does n't speak English. On   XXXX   XXXX   2017, my boyfriend applied for a loan with Prosper to pay off his debts. On Friday,  XX/XX/XXXX , my boyfriend and I contacted Prosper as he had additional questions. To my disbelief, the Prosper Rep stated that they have no Bilingual (   XXXX   ) customer service individuals, i then stated that I would be able to translate since my boyfriend was next to me, but they were not able to assist due to confidentiality which is understandable but my boyfriend approved for them to speak to me, however, they were not able to answer our questions.
On Monday,  XX/XX/XXXX  he received a call from Prosper and he was able to answer those questions he did n't have trouble with understanding, but my boyfriend mentioned to me that he had difficulty understanding. I called on his behalf and I asked again if they had a Bilingual (  XXXX  ) and again, the rep stated they had no one. My boyfriend received an email from Prosper to login to their page to view the status of the loan, but we were unable to because the account was closed.
In conclusion ; as of now, we still do n't know why the loan was denied and it has been impossible to find out.
My boyfriend feels discriminated against, as we found it difficult to get assistance for a   XXXX   Speaking Consumer. We needed to get answers, therefore, it 's unprofessional and unethical not to receive proper information especially when applying for a loan.
I also believe that the company is either refusing to have any of their associates speak   XXXX   or they do not hire Bilinguals/ XXXX  at all. I find this extremely worrisome and improper.
On XX/XX/2019, the request was made to apply for an auto loan with a specific lender with whom I've already had an established positive lending relationship, being XXXX XXXX XXXX. 

It had been made clear that a security freeze was in place on my credit for safety purposes and avoidance of abuse of process. 

In good faith, I temporarily lifted the credit-freeze for 24 hours with Transunion for the dealers to contact the requested lender who approved the loan in the amount greater than what was requested. 

The dealers subsequently proceeded to create an additional 7 to 10 hard inquiries against my credit score by other lenders despite my choice lender already approving the loan for a greater amount than requested and without my knowledge or consent. Immediately following this action, the dealers demanded I unfreeze an additional credit profile with XXXX  where they posted additional hard inquiries against my score without reason. XXXX was lifted for 24 hours at my request, however, upon leaving the dealership without my vehicle, I discovered that the XXXX freeze had been held open against my request of 24 hours by the dealers who were intending additional postings against my score unnecessarily. 

The dealers refuse to release the vehicle me under the disclaimer of insurance until the hard inquiries had in fact been declared as posted to my account greatly reducing my score. 

The following action was not only unnecessary but heinous.
Just a little perspective for you : * It has been approximately 1530 days since my last mortgage payment on the property. 
* It has been approximately 1220 days since I informed the mortgage company ( GMAC, now bankrupt, then transferred to XXXX Bank ) of my intention to relinquish the property. 
* It has been approximately 1120 days since I moved out of the property. 
* It has been approximately 1020 days since I filed for bankruptcy and stated in my petition that my intention was to relinquish the property to the new mortgage company ( XXXX ). 
* It has been approximately 945 days since my bankruptcy was finalized and all of my debts were officially discharged including the mortgage on the property. 
* It has been approximately 640 days since the property was " winterized '' by the new mortgage holder. At this time, they changed the locks and I no longer had any access to the property. 
* It is my assertion that on the date the bank changed the locks, they effectively took over the maintenance, care, and responsibility for the property. Prior to that time, I had continued to maintain the property. After this time, I have done no maintenance or maintained the property as it is not accessible to me. I understand that the mortgage holder and/or HOA has been maintaining the property since the locks were changed. It is my assertion that this was on behalf of the mortgage company who took responsibility for the property back in XXXX of 2013. 
My frustration at the length of time it is taking for me to officially relinquish the property continues to grow. I believe the excessive length of this process has caused me undue stress and emotional damage not to mention the continued negative hit to my credit. It has affected my emotional and physical health negatively and impacted my work, my family, my self image and my relationships. The excessive length of time is cruel and unusual exceeding industry standards of acceptable practice. This current situation due to the length of this process is unjust and punitive. I have done all within my power to remedy the situation. What is my recourse? What do I need to do to resolve this and be given an opportunity to move on with my life?
I bought a car from XXXX XXXX XXXX in XX/XX/2017. I wanted to buy a XXXX XXXX but was forced to buy a more expensive car so their salesman could receive a better commission with no consideration of my needs. I bought a XXXX XXXX XXXX which was too expensive for me but I needed a better car. 

It was financed by TD Bank and I struggled to make the payments each month. In XX/XX/2017 I moved to a different part of the state. In XX/XX/2017 Hurricane Irma hit  Florida and because I could not afford to buy a generator the power went out and stayed off for 10 days. 

I lost all my food in my refrigerator and had to replace it. I filed a claim through FEMA but was told they do not replace food. 

I was not able to work and my HOA for this house does not allow home businesses, even selling online is not allowed. 

I attempted to refinance my XXXX but was unable to do so. In XX/XX/2017 TD Bank repossed my XXXX and auctioned it off. But I received a letter that I still owed over ten thousand dollars on a car I no longer have.
I purchased digital currency from Coinbase.com on XX/XX/XXXX/XX/XX/XXXX respectively. They have taken my money ( {$1400.00} ) but have not issued said currency ( Ethereum ).
Calvary Portfolio Services is illegally reporting a collection account to all of the major credit bureaus. The account was originally with XXXX XXXX XXXX. We have already paid this account off many years ago. We told Calvary Portfolio this but they refused to verify this or to verify the validity of our debt when the first contacted us. This is in violation of the Fair Debt Collection Practices Act. Also the account is over 7 years old since the breach of the contract. It should not be reported due to the Fair Credit Reporting Act. Calvary is violating FCRA Section 605 ( c ) by re-aging the account to leverage their collection activities. It was back in 2007 that we had problems with XXXX.
I opened a new checking account with Astoria Bank on XX/XX/2016 with an ongoing promotion. Even though I applied online I was asked to come to branch to finish account opening. Once in the branch I pretty much had to disclose all the information I already gave online again, I asked them to confirm {$250.00} bonus promotion for having direct deposit for XXXX consecutive months or XXXX bill pays/month for 3 months and they confirmed I am enrolled. They also mentioned I would receive a {$50.00} direct deposit bonus once I receive my first direct deposit. Surely I received my {$50.00} direct deposit bonus on XX/XX/2016. I kept paying bills using this account and also kept my direct deposits. Upon meeting requirements in XX/XX/XXXX I asked them when I would receive the {$250.00} bonus via a customer message and they told me that because I received a bonus already in XX/XX/XXXX I am not eligible. I explained that noone mentioned this when I was in the bank, if this was the case why was the direct deposit even an option noone would choose {$50.00} over {$250.00}. Asked them to revert the first bonus and instead give me the one I am already eligible for but I was denied. If I knew this would be case I would have avoided direct deposit all together.
I applied for XXXX Loan forgiveness and was denied even though I meet all the requirements. I also applied for REPAYE to lower payments and was denied for that as well.
We submitted this file for a short sale had completed all of the process except we were missing XXXX judgment for less than {$2500.00} from a third party hospital. It took a while to track down because we needed to locate the collection agency on the matter. After months of processing, the file was closed on the XXXX for the XXXX missing document and on the XXXX the document was sent to the lender with an updated HUD reflecting that the {$2500.00} would be paid at closing. No one looked at the file for 1 month and they have scheduled the home for sale
I requested verification of the debt, and was not given it within 30 days. This debt is not mine, and I do not owe it.
I have a lot of student loans on my credit report. There are  9 student loan payment that is listed on my report that has late payments on each one for   9 Months the dates are from  XXXX   XXXX   XXXX   XXXX  and also  XXXX   XXXX .
On XXXX XXXX, XXXX, at approximately XXXX hours, I received a phone call from telephone number XXXX which is a contact number tied to Portfolio Recovery XXXX. When I answered the call, the collector failed to identify herself, failed to identify where she was calling from, and failed to provide the XXXX Miranda Warning or a XXXX Miranda warning which is a violation XXXX.. The collector was attempting to find my deceased mother who passed away in XXXX. She then demanded a death certificate and when I refused, she proceeded to hang up on me. The same company has been contacting my grandmother and my father ( divorced two years prior to death ) for the past three years.
Years ago, I had trouble repaying my student loans. Instead of suggestions regarding income based repayment, I was given repeated forebearances until I was out of time. I could have made some sort of payment instead of not being giving that option at all.