WillisBack/dataset-financial-user-claim huggingface dataset:
The details of my complaint can be found in the XXXX attachments. I am not very good with the internet so please let me know if my attachment process has failed XXXX XXXX XXXX XXXX XXXXXXXXXXXX ). 

We were referred to XXXX dba New American Funding by my broker XXXX XXXX of XXXX XXXX, Wa. XXXX XXXX XXXX XXXX reviewed all our information and qualified us for the purchase of a {$400000.00} house this XXXX and issued a guaranteed lock in XXXX XXXX with a close on XXXX XXXX. 9 days later XXXX XXXX admitted to her negligence and, instead of resolving her negligence legally, began a process of bait and switch. As of this writing, it appears that XXXX XXXX will default on her committment, causing us to lose the property.
The XXXX Apartments and their debt collection agency Rent Recovery Solutions are attempting to obtain supposed lost rent payments AFTER we were released from our rental agreement. The XXXX executed and managed a lease agreement AFTER we left and that renter was claimed to have defaulted on rent payments. The XXXX is using Rent Recovery solutions to harass us by attacking our credit and sending ongoing requests for payment as a form of extortion to get their money. To date I am able to provide numerous documents showing that we owe nothing and Rent Recovery Solutions has not provided any documentation demonstrating that they were not paid rent for the period in question.
I completed a modification, things were going well. I called my servicer to make the payment for the next month and they told me the loan had a XXXX balance. I expressed to them that there must be a mistake. So I called again to speak with management I needed to see how this could happen and no one could assist. I contacted the department of veteran 's affairs to see what they were showing and they told me the same thing. Looked at my credit report and it stated the same thing. I then contacted the lender and they said the same thing and referred me back to the servicer. I called about XXXX times just to verify what I was being told, then I requested a letter to be sent stating that fact and they sent it. I received a XXXX from IRS stating that the debt had been forgiven and that I had to file it as income. So now the Department Of Veterans Affairs, Credit Report, Letter from the servicer, and the IRS have the same information that the debt has been forgiven. Ocwen finally returns the call and says they will investigate the matter, I told them after all of this I will take it as it is forgiven when should I expect a release of lean? They said they would call back. I received a letter a few months later stating that they made a mistake and I owed all this money in mortgage payments. I contacted an attorney. I am livid. Please tell me that this has happen to someone else. I almost feel like I should n't have said anything but my morals wo n't let me do it. I do have a strong value for integrity. 

I bet they wrote it off and received a tax break, now they want to re-recoup. How fair is that to the homeowner. I am so tired of XXXX dollar companies robbing us ( the Veteran, the poor and middle class ). They should know better. This is ridiculous. They finally sent a letter acknowledging the mistake, put it back on my credit as delinquent, reported it to the VA that its delinquent and yet refuses to do what 's right. They should be made to honor the XXXX and let the forgiveness stand, they already received the tax break from it.
A scheme attempted to obtain money by false pretense. The scheme blackmailed a consumer through the consumer financial protection bureau website on XXXX XXXX, 2016 at XXXX XXXX. That is apparent money laundering scheme. The scheme claimed that there was no call placed. The FTC Do Not Call Registry affidavit or transcript must be transparent. The consumer already got confirmation by the FTC., which would help deter time wasting and resource embezzlement that would harm the liaison and the cfpb examination process which in the long run would result in conflict of interest and procurement fraud. Someone got away with identity theft and bilking. It implies that XXXX is at harm in bogus tax refund.
Recently we applied for a mortgage with Veteran United Home Mortgage. We used our Certificate of eligibility with the VA and this was my first time utilizing it. We were told that 70 percent of their mortgage were kept in-house. We already have one mortgage with XXXX XXXX on another house and have been very dissatified. But for Veterans who are XXXX to be thrown to a company with a history of fraud and abuse is very unfair. 
Once we closed we learned that our mortgage had been sold to XXXX XXXX. The company with so much negativity. We wanted to know how fair is it for XXXX Veterans go through a lender who is supposed to be working for Veterans and then have their mortgages sold to one of them worst banks in recent history. Even while there is still so much recent negativity : Articles Below : XXXX XXXX, You Can Run But You Ca n't Hide : A Homeowner 's Testimony Tue, XXXX/XXXX/XXXX - by XXXX XXXX - See more at XXXX Suit alleges banks and mortgage companies cheated veterans and U.S. taxpayers XXXX Did Banks Cheat Vets Out of Millions? 

XXXX Published on : XXXX XXXX, XXXX XXXX XXXX Accused of Defrauding Veterans by Charging Excessive Loan Fees XXXX XXXX XXXX scam latest in a string of infractions XXXX
The employment data reported on my Equifax, XXXX and XXXX XXXX credit report is inaccurate. I want the following accurate information reported and listed on my Equifax, XXXX   and XXXX XXXX credit report : Employer Name : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX Position : XXXX XXXX XXXX ( XXXX  ), Salary : {$300000.00}.
On XXXX XXXX, 2017 I placed an order from XXXX 1  pack of XXXX calculator batteries Order # XXXX. On XXXX XXXX, 2017 we received a collection notice saying that a returned check fee of {$25.00} along with the {$3.00} original order is required ; otherwise consequences from first paragraph of attachment " scan1 '' will take place. I feel that I will have to comply to their wishes ; otherwise my credit can potentially be ruined!!
XX/XX/XXXX XXXX has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX ; was never later, but XXXX is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but XXXX reports me owing them.

4 ) XXXX XXXX XXXX  sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. XXXX  consistently & fraudulently puts them on and off of my report as a charge off.
I have previously sent this company a written cease of communication notice, as I do not owe this debt and even if I did, it is long past the statute of limitations. 

Somehow, they have gotten my cell phone number and are calling me on my cell phone. 

After being told they were calling me on my cellphone without my consent the individual said they had the legal right to call my cellphone whether consent is given or not. 

I do not owe this debt. This debt is past the statute of limitations for collections. I wish to be compensated for the unauthorized calls to my cellphone
On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( XXXX, Equifax and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 XXXX  and Equifax both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.
for years i have been trying to get a lower payment or try to find some solution to help bring my mortgage back current with the mortgagee without having to pay all the past due amount in one payment. being in and out of work it is illogical that i have that type of money laying around the house. Loan care has had me in endless reviews and never giving me a solution. they have been not willingly and viciously denying me for any assistance and have scheduled an auction sale date an abundant amount of times. i have explained the financial difficulties both medically and financially and they are not willing to help me at all. i am about to lose my home in which i am not happy about. loancare is going to leave me and my family homeless. everytime i am asked to send in a package they are required to have in order to review my case they always asked for endless information and information that has been sent to them numerous amount of times. they always close out my case and deny me due to never recieving the documents on time. when they have it in their records that they have been received. i need help from authority at this point to help me save my home and help me get the correct assistance i need from my lender. they ignore middle class & minorities like myself and my family. it is not fair i have to go through this when all i am asking for is help. i am not purposley missing or failing to make the promised mortgage payments. i simply was not able to at the time. my husband and myself are now employed and are able to keep up with the mortgage but we need help to come to some sort of agreement with Loancare for an affordable payment. they know as i have been providing them endless information that when the loan was acquired i was in my first marriage which failed and lost that source of income. shortly after i lost my employment. however since then i have been asking Loan care to help me and they just do not like minorities and are not willing to help in any way. i am remarried and again both have steady income. i just need the consistent help of Loancare as i have consistently been asking them to help me. please I NEED HELP TO KEEP AND SAVE MY HOME.
I have reached out to Waypoint Resource Group Several times, by phone and E-mail, to which I have not had a resolution. 

A collections account was placed with Waypoint Resource Group from XXXX, Client Reference #  XXXX. This account was quickly settled with XXXX, the original creditor, directly ( Proof Of Payment and Communication from XXXX, attached ). Such account was agreed, in writing to be retracted and removed form Waypoint Resource Group as the Creditor. As stated, Waypoint was contacted and advised of such, in addition, I requested to have a deletion letter forwarded to myself and for such account to be reported, accurately, as deleted to all, credit bureaus. 

I have not heard back from Waypoint Resource Group and am now demanding that they address this account in a quick and timely fashion by providing a, over-do, deletion letter and prompt reporting to the credit bureaus of their dealings.
I am a military service member and I was XXXX overseas to XXXX in XXXX of 2013. Shortly after that time I returned for the XXXX of my child and had my XXXX account closed and balance paid in full due to my relocation. My XXXX account was not closed properly and I was charged while I was XXXX overseas. I have since returned and XXXX has accounted for their mistake and credited the account, but they have not removed the collections account from my credit history as they should since it was never my fault to begin with.
I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!
I received a statement from Chase on XX/XX/19 regarding an Act ending XXXX Balance : {$5600.00} Creditor : JPMorgan Chase Bank, N.A. 

The letter states that Action Needed : Please pay your student loan balance in full. 
The letter is addressed in my previous married last name XXXX. 
It says they haven't received the balance owed on my student loan and that I have defaulted on my loan, and must pay the full balance. 
I have not received a statement from Chase in over 12 years. Chase sold my loan to XXXX ( also stated on their website, that all student loans were transferred to XXXX ). I have an active account with XXXX, that I have been paying on. 
Nowhere on any credit report does it show a Chase student loan. This is the first and only notice I have received from Chase.
This lady called XXXX from XXXX XXXX has contacted me about a debt I have already paid. I asked for an address so I can send her a letter requesting for cease and desist of contact by their office. She then stated they have many locations and hung up on me. This lady has harassed me for over a month now. Just yesterday she contacted my mother and sister. This has gotten out of hand and very unprofessional. I have saved her messages and the number she has called from. My family members also saved her messages and number she has called from. As mentioned, I paid this debt and told here this. XXXX XXXX XXXX still continues to harass me and my family.
I applied for a can loan though one dealership and now I have 6 inquiries on my Transunion report, I called and explained the situation customer service refused to take care of it. 
I'm a victim of their inquiries issues
I am writing because I am concerned that my student loan payments while with Great Lakes will not be counted toward public service loan forgiveness, even under the new Technical Corrections Act ( HR 4399 ) that was passed as part of the omnibus spending bill. Because Great Lakes consolidated me into FFEL loans and I never received information about direct loan consolidation options or how FFEL would limit my eligibility for PSLF, I am five years behind on my pathway to PSLF. I made {$18000.00} in payments that will, essentially, not count toward anything in the end, because I was in the wrong kind of loan. I had hoped the Technical Corrections Act might remedy this situation, but now I am learning that it will not. My payments would have counted under this new program if I had been in the right kind of loan, but I was not made aware of these issues.
I have received my XXXX XXXX report and see that Clarity Services has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX
On XXXX XXXX, 2017 I was charged {$10.00} by XXXX, and {$10.00} by Experian to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for XXXX XXXX massive mistakes. XXXX and Experian did not/will not waive their credit freeze fees as XXXX did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with XXXX is useless. I feel that either XXXX and Experian should ALSO waive/refund their fees in response to this disaster, or XXXX should cover the price of freezing credit with their competitors. 

Not only am I ( and 143 million other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.
Synchrony Financial is the creditor that my XXXX account is with. They were paid off in XXXX from my XXXX XXXX account. Please see attached bank statement showing debit. I spoke to my bank who says it was debited and yet Synchrony financial is stating they did not receive the payment and that I still owe money. I paid the account off before the interest hit and now they are not reporting the correct paid off balance. This has hurt my credit as well as my husbands who was a co-borrower. My husband is a business owner and relies on his credit to get business loans, we need this corrected now. I have talked to synchrony many time and they have given me the run around for over 4 months.
I have tried to Contact Bank of America over a dozen times regarding my previous account. I never received a final bill or collection notice until they placed this on my credit report back in XXXX. I sent a check back in XXXX XXXX and paid the amount in full. I asked them to remove this from my report no response. They continue to place this on my credit report as FP ( Failed to Pay ). They will not respond via email or phone call. 
They have placed this on my account for past year and half Account Name BK OF AMER Account # XXXX Original Creditor - Company Sold - Account Type Secured Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Closed Payment Status Charge-off Status Updated XXXX XXXX, XXXX Balance - {$500.00}
XXXX with Pioneer Credit Recovery has contacted 3rd parties about an unknown alleged debt. I have a Bankruptcy in place which XXXX has ignored. While leaving a message on XXXX, Legal Assistant to Attorney XXXX XXXX on a recorded line. I insisted that XXXX Cease & Desist from contacting me altogether, Cease from contacting 3rd parties instead contact XXXX to discuss this matter. XXXX informed me long into the call that he was speaking with me on recorded line without my knowledge or consent. This debt collector has grossly violated my rights and I have no clue what his collection matter pertains to.
I have a mortgage with Freedom Mortgage corporation that was purchased from XXXX XXXX XXXX. During this time they have increased my payment by {$1000.00} a month that I am not longer able to afford. They says it was due to a shortage in taxes. I have documentation where all taxes were paid and they are paid in full. They will not lower my mortgage payment back to the original amount. I can no longer afford no qualify for this loan amount and I have done nothing wrong.
XXXX XXXX XXXX has placed a collection in the amount of {$470.00} to all credit bureaus that does not belong to me, after contacting the company requesting proof of such debt, they have refused to send any proof of this collection
I had gone to my financial institution to try to apply for a loan, when they pulled my credit report it showed that XXXX XXXX XXXX, who is actually the company that I am leasing my house through is reporting that I owe {$2000.00} per month on a trade lne. My rent is only {$1000.00} so I don't know why they reported {$2000.00} but the way that they are reporting it, it looks like I have owed {$2000.00} since I moved in and they are not reporting that I have paid anything, but infact, I have paid my rent early every single month. 
My financial institution said that because this is showing on my credit report this way, it puts my debt to income ratio incredibly high and that they will not be able to give me a loan with it showing this way. I contacted XXXX who agrees that this is incorrect but instead of callng the Credit bureaus to fix it, they sent me a lettter. My financial institution will not accept the letter and said thta until they remove it, it will affect my ability to secure a loan. I would like this fixed.
I have had   a Sears credit card through Citibank during two different time periods. Several years ago I had an issue where I paid the account in full, only to receive a bill for something like {$3.00} in interest a month later, and then fees on top of that when I did n't notice the bill because I thought the account was paid in full. I canceled the card after getting the late fee removed and paying the {$3.00}.
Recently I opened a Sears card again, paid the account in full over the phone and canceled the card, only to receive a bill for {$6.00} in interest a month later, again a bill I did not expect as had canceled the card. A month later they tacked on a whopping service fee and sent it to collections.
This is an unfair billing practice. In this day and age, if a customer calls and asks for the amount due so they can pay the card off in full and close the account, the amount told to the customer should be the final amount due, and there should be no yet undisclosed additional interest added to the bill in the next month, which then trips up the customer and allows Citibank to tack on enormous service fees and send the account to collections to effectively earn an exorbitant additional profit.
I spoke with Wells Fargo several times regarding a fraudulent charge on my account. A charge was reversed which caused my account to reflect a negative balance. XX/XX/XXXX. I initiated a dispute with wells Fargo reference # XXXX. I submitted documentation to Wells Fargo to support my claim on XX/XX/XXXX. An insurance company withdrew funds from my account without a legal right and without my permission several months ago. Wells Fargo refuses to investigate the incident. My insurance company, XXXX, sent Wells Fargo proof of my coverages to support my position during, before, and after the time that I was covered by XXXX. I am currently covered by XXXX. Wells Fargo has not provided me any information regarding my claim refused to refund my money and has closed my account as a result on XX/XX/XXXX. Wells Fargo has initiated collection efforts for this incident.
Penn Credit Corporation calling from XXXX is repeatedly calling my mobile phone harassing me about a debt that is not mine. I've repeatedly requested that they stop calling my number and to remove my number. Yet they persist.
My social security number was compromised in the recent Equifax security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. XXXX was able to process my request over the phone. Equifax ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. XXXX was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised ( along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of Arizona then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of Equifax. This is seriously embarrassing and needs to be resolved.