WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call from someone stating he was with the XXXX XXXX County court and was trying to contact my Mother. I asked what it was in regard to and he stated she was being served and he needed to verify that someone would be home. He stated they had made 2 attempts and if she was not available after the 3rd attempt the legal proceedings would begin without her. I was given a number to contact to get more information about the case. The caller stated due to federal regulations he could not give more information because was in the dispatch center. I called the number that was provided and it was the corporate office for XXXX XXXX in XXXX California. That 's when I knew something was n't right. I was able to provide my mother 's social security number so they would speak to me about the file. My mother is deaf which is why she did n't call herself. I spoke with a XXXX and was advised that a debt was owed for an HSBC/XXXX credit card that was opened in XX/XX/XXXX. When I explained that there was no way a credit card was opened in XX/XX/XXXX, he said then why has someone been making payments on the account. He said the last payment received was for {$180.00} on XXXX/XXXX/XXXX. He said that 2 letters were already sent out and wanted to know why they were ignored. I said, I 'm not my Mother so I have no idea. When I asked about it being fraud, he said that would be decided in court. I also asked why this does n't appear on my Mother 's credit report. ( I know what is on her report because I help her monitor her credit. ) He responded there are XXXX reasons. XXXX because they are either waiting on a judgement from the court or for the client to accept an offer an pay the debt. I again said there is no way any credit was opened in XX/XX/XXXX and I know this because I opened up card on my Mother 's behalf in XX/XX/XXXX. He said then you did open the account. I said, no sir that was in XX/XX/XXXX. He told me all calls are recorded and wished my mother the best of luck in court. The call ended. I called back to get more information on the company. XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. When I asked for more information, he refused and said that he would provide more info when my XXXX mother called. I said I 'm trying to get information so she is available when she is served. He then said that she will be served when he submits the order. That 's when I knew something was really wrong. Someone originally called and said he was from the courts trying to serve my Mom, but she 's always home and no one has served her. The original caller must have been associated with XXXX XXXX and mis-represented himself. The validity of this debt and the dates involved are in question.
I have 3 student loan accounts with Fed loans services, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX. 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.
I Filed bankruptcy in XXXX of XXXX it was discharged in XXXX XXXX. The account that was not opened by me in the first place in XXXX ( I was stationed in XXXX XXXX GA the account was opened in XXXX, OH ) was placed in this bankruptcy and discharged. As i was checking my credit report in XXXX of XXXX I was checking my credit report for inaccuracies and found that this account has been placed on my account again. I have on XX/XX/XXXX disputed this account with all three credit bureaus. It has been 30 days after the dispute and it has yet to be removed and resolved. The company in question has never once sent me any form of written communication STELLAR RECOVERY INC Account # XXXX ( this is all that was available on my credit report ) Company : XXXX XXXX Date opened : XX/XX/XXXX Amt Owed : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. 
I attended The Art Institute of XXXX XX/XX/2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns The Art Institute of XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. 

However XXXX XXXX had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called XXXX XXXX and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. 

So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX. However Now it is showing on XXXX twice for $ XXXX each.. 

I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house
We were affected by hurricane Irma in XX/XX/2017. Roundpoint mortgage offered for us to make minimal {$100.00} payments for 3 months. They told me that at the end of the three months, I would have the choice to pay in full, make a payment plan, or request to have the 3 months added to the end of my loan. I was also told emphatically that this would not affect my credit, it would not be reported to the credit agency and I would not receive late fees. 
In early XX/XX/XXXX, I called Roundpoint to start the request to add the 3 payments to the end of the loan. I filled out the paperwork that I was told to complete and sent it in promptly. 
We resumed our full payments on the first of the month starting in XX/XX/XXXX and have made each of the subsequent payments in full and on time. 

The issues that we are complaining about are : 1. Roundpoint has submitted delinquency to the credit agencies resulting in an immediate drop in our credit score of over 100 points. We are due to close an SBA loan any day - this change in credit will likely cancel this opportunity that our business desperately needs. 
2. We have been repeatedly charged late fees. 
3. This has been the most difficult loan process that we have ever been through. We have had many mortgages in our lives and also work as Realtors and have assisted many of our clients through the lending process and we have never been through such a ridiculous and difficult process. We did the same loan modification with our business mortgage after Hurricane Irma and it was 2 papers to sign and notarize. 
I have responded immediately to every phone call, letter and email. 
Roundpoint has asked for a new and different list of documents on nearly a weekly basis for over 4 months. I have provided them each time with what they have asked for. But every time, there is a new list. Most of the staff at Roundpoint is now sympathetic when we speak and can not understand why they are asking for things that I've sent, or more documents. These staff members are in shock themselves, and always promise to help me resolve this. And then I never hear from that person again. 
We need to have our file submitted to their investors, but they will not or can not submit it because there are " missing documents ''. Yet every time I spend hours getting more missing documents, there is a new list the following week. 
Now they are selling our Mortgage on XX/XX/XXXX and I'm told the process will start over. 
I have done everything they have asked over and over again. I am making my payments. I have never been late on any loan payment EVER other that after Hurricane Irman - but then only with permission from the lenders. 
HELP!
This is for an apartment that I leased for 1 year. I gave my notice to move out on XXXX/XXXX/2013. The lease required a 60-day notice which meant my move-out date would be XXXX/XXXX/2013. I moved out on XXXX/XXXX/2013 but paid for rent owed through XX/XX/2013. I paid all amounts due and met the terms of the lease agreement but was told I broke my lease. I did not break my lease. I did move out early, but all rent amounts due were paid in full. I called and spoke with the manager, XXXX, in XX/XX/2013 and she agreed the account had been paid and would take care of it. She did not.
I was informed on XX/XX/XXXX about my account reaching XXXX dollars. On XX/XX/XXXX at XXXX XXXX. my payroll check posted a shortly thereafter I made multiple transfer to cover what was needed to cover my XXXX XXXX payment. Wells Fargo charged me an overdraft even though I had transferred money per their recommendation. I was surprised that later on in the day of XX/XX/XXXX I received an email from Wells Fargo regarding an overdraft fee as I had enough money in my account. I contacted Wells Fargo regarding the overdraft fee and informed them that I had a XXXX XXXX charge pending and needed the fee reversed due to the pending transaction. I received a generic response from Wells Fargo. This morning my account yet again reached XXXX dollars. I checked the account to find out that I was charged a {$35.00} overdraft fee for my XXXX XXXX payment. I sent Wells Fargo yet another email addressing this issue. For the record, I have not received any email from Wells Fargo regarding the latest overdraft charge. At this time I am left no other recourse than to file a complaint as Wells Fargo not addressing my concerns in a personal manner only via generic correspondence has become an ongoing issue. I am providing screenshots for a timeline and validation of my complaint. Thank you.
National Enterprise Systems has called me no less than XXXX times, and left XXXX messages identifying themselves as debt collectors, about a debt they want to collect from my brother. Half the calls and messages came after I talked with them and notified them that I am not my brother.
The following information is incorrect : under PUBLIC RECORDS, it shows : Docket # XXXX - XXXX- Federal Tax lien for {$7100.00}. 
and Docket # XXXX - XXXX - Federal tax lien. 
These tax liens are associated with address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I never lived in that address and the tax liens should not show on my credit report. Please verify the social security number associated with the tax liens, and take them off my credit reports. The name, address, social security number associated with the tax liens in XXXX XXXX, XXXX are NOT mine. May name is simply XXXX XXXX and I live in XXXX. 
XXXX XXXX
I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX XXXX, and Experian. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.
I applied for the PSLF program and was rejected based on " no eligible loan type ''. The rejection letter directed me towards direct loan consolidation - however, I have already been making payments on a consolidated loan since XXXX. According to all information I have been given thus far, my loan type should be eligible. I am wondering if/ why the information was reported incorrectly.
I filed chapter XXXX which has been discharged both XXXX  and XXXX have taken history off but Experian has refused to remove the old history.
First of all, I went through this process THREE times with Citizen 's Bank HELOC which I received a letter entitled, " Your Investigation Results '' which states that Citizens One Loans is " deleted '' from credit report I thought they understood that meant it was not me who spent the {$9000.00} line of credit and beyond a preponderance of the evidence, it was their senior representative - XXXX. 
In the previous Complaints to the CFPB, there Office of the Chair was just answering my complaints as if tea ever read them!? In the complaint, I wrote that I was told, years ago, by XXXX that it was costly to transfer money to pay my HELOC and at the time, I trusted banks! XX/XX/2016, I entered the bank seeing XXXX, the teller closest to the entrance. I saw on his computer screen my account opened and a larger amount deposited into an account I thought XXXX closed and money buy the hundreds was being transferred into my checking account # XXXX!!! I did not know at the time to take a picture and where is their fraud department as I had an account there for over 25 years and if I wanted the money ( check from XXXX XXXX ), I would have deposited it into said account!!! 
The Office of the chair in my last complaint told me it does not cost anything to make transfers ( I KNOW ) and Informed me that I should go to XXXX XXXX ( which I DID & sat in that office ( prior to the chair 's office recommendation! ) as I have my XXXX! Although it would be illegal to take advantage of a mentally challenged individual. I never made a claim for water and sewage back up which is what the heck is written on the check I never deposited into closed, I thought, account!!!!! 
I just got a bill AGAIN saying I owe {$100.00} by their Equity Department manager in the XXXX XXXXXXXX?!?! By the way, the branch at the location I banked CLOSED!!! I wonder why ...!?!?!

I never took any money from that account but was paying it! 
Once, I went to the bank because I never in entire time banking at Citizen 's received any statements for that account not knowing that there are billion dollar lawsuits for a bank to have an account open in their name and that person, in this case ME, not knowing about it! or never receiving statements!!!! in my last complaint, Citizens hello department I infer thought it funny to send me all the paper work at once so the pile was 3 inches high or more!!!!! Little too late I think!!!!! I was unaware of activity as I never made activity!!! I asked for XXXX and he 'actiing ' like he was having serious conversation with the HELOC department ( way before this incident in 2016 ) but when I asked what was said he told me that he could not discuss it and being naive, I accepted that as an answer ( don't ask me why?! ). 
I do not owe any money to Citizen 's and why did I get a removed from credit report and still get a bill????? 
I DO NOT OWE IT WAS A RESULT OF IDENTITY THEFT!
The collection agency has false information on credit reports dated from 2015. The acct they are requesting is not mine. ( Trident Services )
Since XXXX XXXX I have been trying and dealing with charges we did not make on our Target Credit Card. Targets self check out system has added multiple purchases to our card-some 3 charges a day and back to back days on products we have never bought and would never buy. 

I have tried calling a XXXX XXXX, who at first sent me a letter saying the charges were removed and make it seem like they fixed the problem. The person I spoke informed me there was no XXXX XXXX that worked with Target credit card services. 
Here are the charges we have faxed over 3 times, yet were told were never received : XXXX XXXX {$38.00} XXXX XXXX {$16.00} XXXX XXXX {$23.00} XXXX XXXX {$10.00} XXXX XXXX {$5.00} XXXX XXXX {$29.00} XXXX XXXX {$3.00} XXXX XXXX {$73.00} Also everytime I have called I have explained when I go to sign in, it says session has timed out, please resign in, so I try and resign in, only to get the same message. 
The last time I explained this, I was rudely told I can not access my account because my account is past due. 
This letter makes it sound like I should easily be able to access it, yet on the phone Im treated rudely saying my account is frozen because its past due? 
Also interest and finance charges keep being added to my " open account '' which is illegal to add these charges when there is a dispute on the incorrect charges. 
These charges added on need to be removed along with all of the interest and finance charges. 
My credit is perfect and we have never had outstanding credit card balances. My only mistake was being talked into opening this target credit card-which has been a nightmare to do with. I should have read the thousands of other peoples reviews of having this same issue happening to them. My question is why is target allowed to do this to people? 
How does a consumer get help for this? 
Sadly after desperately trying to seek help, I have found I am one of thousands and thousands Target does this too, thereally has to be a way for seeking help without having to pay for a lawyer, when we did nothing wrong.
I am trying to cancel my mortgage insurance. We bought our condo for {$600000.00} in XX/XX/XXXX with 10 % down. We now have a LTV of less than 80 % based off of the original purchase price. I put in a written request on XX/XX/XXXX to cancel my mortgage insurance early from Lakeview Loan Servicing ( subservicing by XXXX  ) after we got below 80 % .I got a letter from XXXX saying I needed to do a Broker 's Price Opinion ( BPO ) for {$100.00} to make sure the value of the condo has not gone down. The result of the BPO was that the value of the house was below {$600000.00}. 

My complaints are as follows : 1. The original BPO on XX/XX/XXXX was external only as shown in my original attachment making it an invalid BPO of my property for these purposes. As outlined in the XXXX XXXX   requirements, XXXX XXXX XXXX, under section, Ordering Property Values for Mortgage Insurance Termination, " On one-unit properties, the servicer must order an interior and exterior BPO. '' To resolve this, XXXX needs to order the correct internal and external BPO at their own cost to replace the invalid BPO they made me pay for in the first place. 

2. The second issue is that once this new internal and external BPO is complete, if the BPO is below the original purchase price of {$600000.00}, I should, but wasn't offered the option to pay down my LTV to 80 % of the BPO value. This is outlined by the XXXX XXXX in XXXX XXXX XXXX,  under the section Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Original Value of the Property, under the section 3. Verify the current value of the property is not less than its original value, and finally in the last row of the table. " If ... The BPO or appraised value is less than the original value of the property, then the servicer must ... deny the borrower 's request for termination unless the borrower pays down the mortgage loan balance to the point that it satisfies XXXX XXXX XXXX LTV ratio eligibility criterion. " ( which is 80 % under 3. Verify the current value of the property is not less than its original value ). To resolve this, Lakeview should give me the option to pay down the mortgage to 80 % of the LTV and remove my PMI.
Received phone calls last week on persons trying to open accounts under my name with XXXX and XXXX.realized only today an account was opened with XXXX XXXXXXXX XXXX
I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXX, XXXX, XXXX XXXX and now SunTrust trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
XXXX XXXX - XX/XX/18 {$1200.00} XXXX XXXX-XX/XX/18 {$3700.00} XXXX XXXX XX/XX/18 {$10000.00} XXXX XXXX-XX/XX/18 {$350.00} XXXX-XX/XX/18  {$850.00} XXXX XXXX- XX/XX/18 {$1000.00} XXXX XXXX-XX/XX/18  {$1200.00} XXXX XXXX XXXX-XX/XX/XXXX {$1800.00} I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
this number has continued to call me since i have received this number XX/XX/2015 ... they are looking for someone name XXXX ... on XXXX XXXX, 2015 at XXXX XXXX central time the number that states admin recovery at XXXX called asking to speak to this person, i advised the woman asking that she had the wrong number and not to contact my home again ... there soon after she called back on a toll free number at XXXX at XXXX stating " is that her, '' then not saying anything else ... i advised again that they had the wrong number and not to call back ... again on the XXXX XXXX, 2015 they called again from XXXX at XXXX i answered and no one spoke, i told them i was on the " do not call list, '' and that i would be putting in a complaint if they continued to call back ... XXXX, 2015 at XXXX they called back, i did not answer ... i figured answering the phone would help since i have beenreceiving annoying and harassing calls since the XX/XX/2015 with complete voicemails looking for someone i do not know and does not live here in my residents ... i would really appreciate if they did not continue to call ... thanks!
I submitted a dispute with the credit bureaus about late payments with XXXX XXXX XXXX and I was told by the creditors to submit a letter of explanation which I did long story short on the pay amount late it shows {$0.00} but on the pay status late payments appear so Im trying to get an understanding of how is one right but the other is incorrect but they basically states the same thing
After receiving a permanent modification in XX/XX/2018. XXXX XXXX XXXX was overcharging the escrow amount causing the monthly payment to be incorrect by approximately {$400.00} over per month. We bought this immediately to XXXX attention but to no avail of them correcting the monthly balance due. After continuing to report this error to XXXX, We had our Servicing of our mortgage switched from XXXX XXXX XXXX XXXX to Specialized Loan Servicing. A company that deserves it thousands of 1 star reviews. While they amazingly have the correct monthly amount due, which is {$2800.00} compared to XXXX {$3200.00} we then had an XXXX XXXX statement with a HIGHER amount due then the next month XXXX SLS statement. When we ask SLS how is XXXX XXXX statement HIGHER than the SLS XXXX statement, we were told by SLS they are not responsible for previous servicer mistakes and then they harassed us and mentally abused us, stating they will just foreclose on us if we don't pay the full amount, no matter they have incorrect statement balances, post dated late fees charges when they were not servicer and now this XX/XX/2018 just charged us {$750.00} in forced placed home insurance when we had home insurance coverage sent in as proof by XXXX 3 days later. We have offered numerous easy solutions but they just threaten foreclosure. This debt collecting organization needs to be closed immediately and what they are doing to us is criminal, in our opinion and they need to answer for their actions and verbal harassment. We hope CFPB looks into this serious matter, contacts XXXX XXXX and let them know what both servicer XXXX and SLS have done and can make them straighten up immediately and no longer financially harm our family with XXXX young boys caught in their shell game.