WillisBack/dataset-financial-user-claim huggingface dataset:
In my divorce back in XXXX, my ex husband was ordered to pay the loan to XXXX XXXX. The bank modified the loan and made it a permanent 2 % fixed rate installment loan. This loan was sold from XXXX XXXX to Shell Point Mortgage Servicing. XXXX said he was not notified of the sale or where to send payments. He got his first statement in XXXX and made a payment in the beginning of XX/XX/XXXX. I wasn't contacted by Shell Point Mortgage until XXXX or XXXX making me aware of the fact that there was a past due amount on the loan and that the loan had been sold. I immediately contacted XXXX and let him know a payment needed to be paid and where to mail the payment. He never received a XXXX statement. I have attached documentation explaining all the issues. I know that when a loan is sold the consumer has certain rights. Shell Point Mortgage Servicing has issued two 60 late payments to my credit report which caused me to get denied on a loan application from XXXX XXXX XXXX XXXX XXXX XXXX.
On XX/XX/XXXX I filed for a chapter XXXX bankruptcy. This debt was not reaffirmed, yet we intend to keep paying on the mortgage. Freedom Mortgage would not mail out a reaffirmation agreement, despite numerous requests for them to do so. So, this debt was discharged.

The issue is this debt continues to report on my credit report as well as my wife 's credit report. Since this debt was discharged, the trade line should reflect a {$0.00} balance for both XXXX and XXXX XXXX. It should also be noted that XXXX is a non-filing spouse, yet Washington state is a community property state, so the discharge on this debt extends to her as well. Furthermore, payment history should not be reported after XXXX, XXXX. 

Freedom Mortgage continues to report this debt on both my credit report as well as my wife 's. Numerous phone calls to them do not fix the problem. 

Another issue lies with XXXX 's payment. Freedom Mortgage reported XXXX 's payment as 30 days late, even though it was received on XX/XX/XXXX. They received this payment on XX/XX/XXXX but did not apply the payment until XXXX. This caused a 30 day late payment to report. 

The continued mismanaging on this account has caused my wife to suffer a closure on her XXXX  XXXX XXXX credit card as well as a credit line reduction on her XXXX XXXX and XXXX XXXXXXXX XXXX credit cards. All three credit cards cite a mortgage late payment as a reason for the adverse action. And this was due to incorrect information reported by Freedom Mortgage. 

Previous CFPB complaint numbers are XXXX and XXXX.
I disputed an account with Chase Auto Finance with the XXXX major credit bureaus and directly with CAF The credit bureaus and CAF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA. 

They are also listing different information across all XXXX credit reports which is also another violation of the FCRA since the information has been verified. 

XXXX is reporting a high credit of {$6300.00} while XXXX and XXXX are reporting a high credit of {$22000.00}. How can that be possible? 

Then the last reported date on XXXX is XX/XX/XXXX while on XXXX and XXXX are reporting the last reported date as XX/XX/XXXX. That means no real investigation was ever done when i submitted my disputes and just generic responses were given. 

I sent Chase Auto Finance two letters and they failed to properly validate or verify the account and denied to give me what I requested.
On XX/XX/XXXX, I made a purchase on XXXX with my American Express XXXX Card for wine " futures '' - wines which I pay for now, that will be delivered up to 3 years later. Unfortunately, the merchant, XXXX filed for Chapter XXXX Bankruptcy protection ( during the 3-year waiting period on XX/XX/XXXX ) and wo n't be shipping the wine to me. I have neither received the product, nor a refund from XXXX. American Express is refusing to issue a refund, stating that they only have 540 days from the date of the transaction, to start a dispute. Unfortunately, the clock should start after the product was supposed to be delivered, not after the initial transaction. XXXX XXXX XXXX wines are often purchased as " futures '' two or three years in advance of receipt. I am requesting a full refund of my AMEX purchase for {$3300.00}. Can you please help me?
I closed my XXXX XXXX credit card on XXXX XXXX, 2016. The credit card charged an annual fee of {$95.00} on XXXX XXXX, 2016. I contacted Chase in XXXX, and again in XXXX and was told that the fees would be refunded in full within XXXX billing cycle. I called Chase again in XXXX XXXX, 2016 and was told that Chase had changed its policy as of XXXX XXXX, 2016 to honor refund for annual fees for cancellation within 30 days. I was told inconsistent information and was left without any refund.
XX/XX/XXXX CONTINUATION to MY FORMAL COMPLAINT Pin # XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Capital One Cases : XXXX, XXXX CFPB No : XXXX Dear XXXX XXXX and Capital One : This letter again is in response to my complaint to ( CFPB ) regarding my complaint of receiving XXXX XXXX credit card account personal information being sent to my email address, and sending mail/offers to my home address. 

You stated as of the date of the last letter, you removed my name and address as it appears above, from your mailing list, however, on XX/XX/XXXX I received a letter from the following : Capital One Quicksilver Rewards, XXXX XXXX XXXX XXXX, XXXX, VA XXXXand I spoke with someone there in reference to it and she never responded. XX/XX/XXXX letter from Capital One VentureOne Rewards to the name and address you have supposedly removed. ( Copies of envelope attached ). 

As I stated to you in my complaint, this is very stressful dealing with this continually and as I stated in my earlier complaint, that if this continues, You are still sending me offers at the same name and address you claim that you have removed. Each time I have to deal with this situation it is costing me a stressful time and you all need to compensate me for my time and stress, in my original complaint I asked for a {$1000.00}, now I am asking for more {$1500.00} because it is continuing and for my pain and suffering and time and aggravation in dealing with this continued matter. I am asking you for the last time to CEASE AND DESIST and remove my name, address, email and any other information relating to me from your records, all records, offers, etc. I am not a customer and do not want to be a customer of Capital One. I will be contacting Consumer Affairs to file another complaint if this is not resolved in a timely manner. If I can not get this resolved, I will be contacting a lawyer. 

This letter will serve as your legal notice to CEASE AND DESIST all further mail, emails, correspondence and all further mail actions described above. You are hereby instructed to comply with this letter immediately or face legal actions under applicable Federal and State laws. 

I may utilize recordings to document any telephone conversations that we may have in the future if u fail to comply with this cease and desist letter. I intend to keep a log of any contacts you make with me after you receive this letter. 

Please give this very important matter the utmost attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX or XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX fax # XXXX ) XXXX
I discovered on XX/XX/XXXX that TransWorldSystems, Inc. had placed two negative reports on my credit report stating that they had charged off debt. I believe that I settled both amounts with them in XXXX, XXXX. The supervisor I spoke with " refused to remove the items from the my credit report '' even though I requested evidence that they had sent correspondence to me and also when I stated that I believed the debt had been settled with their agency. I have a credit card statement which shows payments to TransWorldSystems, Inc. from that time. 

That statement, with the payments circled, is attached.
On the evening ofXX/XX/2018 my husband was the victim of a XXXX computer scam. He realized immediately that he was being scammed and shut off our computer and called our bank. He could see that funds were being transferred from some of our accounts into our primary account that he hadn't done himself or authorized. The charges were pending and the representative from our bank said we had to come into a branch the next morning to open a new account and they would work on stopping the pending transactions. The dollar amount was {$660.00} that was pending on our account. The next morning at XXXX XXXX we went to the bank and opened a new account and was assured that our money would be secured and in our account within 48hrs. The charges stayed pending on the account from XX/XX/XXXX until XX/XX/XXXX. The charges then cleared our account Monday XXXX XXXX. After numerous calls to the bank the funds were finally put back into our account on XX/XX/XXXX. Then on XX/XX/XXXX they sent an email stating they were pulling the funds back out on XX/XX/XXXX as they didn't consider this to be fraud. I called them on XX/XX/XXXX and the representative I spoke to said the letter/email was wrong as the case was still showing as pending and it would be at least 45 days from XX/XX/XXXX before a decision was made. The 45th day would be XX/XX/XXXX. So that day came and went and we have heard nothing until today XX/XX/XXXX when my husband was checking our accounts and noticed they debited the closed account the {$640.00} on XXXX XXXX.We received nothing stating they closed this case and were going to do this. My husband called and was transferred go 4 different representatives and got nowhere other then hearing it was a final decision and we need to make payments to cover this. We didn't receive an email, letter or phone call and would have never known if my husband hadn't noticed this on the old account.
My issue is with  XXXX   XXXX .     I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearance 's, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past years, I have experienced job loss, financial hardship, and transitioning into  XXXX   XXXX   XXXX  including   XXXX   to  XXXX   XXXX  and  XXXX . I have taken steps to ensure my financial responsibility moving forward. After finding out that my student loans were in collections a few years ago while I was in  XXXX , I quickly paid to get them out, but my credit report still shows the closed student loans with late payment statuses. These loans were transferred to  XXXX  afterwards but the old loans from  XXXX   XXXX  are still showing on my credit report. I reached out to them through disputing through the credit bureau 's and have also sent them a letter directly and received nothing back.
XXXX XXXX sold my mortgage to Fay Servicing. I tried to apply for a loan modification. Fay Services took all my information. Then sent me a notice that I must pay {$1600.00} every month. {$740.00} + {$950.00}. My regular mortgage payment is {$740.00}. I am 4 months behind. {$740.00} x 4 is {$2900.00}. They want me to pay {$950.00} x 4 =  {$3800.00}. For what? I have only 1 late fee of {$25.00}. This is not a modification! My account manager is XXXX XXXX. 

I am a Personal Banker at a bank. We cant treat customers this way. How can they?
This debt should have never been reported on my credit. It was paid. I have contacted them several times about this bedt. They seem to ignore my letters.
I sent a wire transfer in the amount of {$6600.00} on XXXX which Ocwen continues to claim they have not received even though I have confirmation from my bank.
I had disputed this company previously, I do not have the case number. I am uncertain why they would be putting inquiries on my credit and I would like an explanation and I would like for it to be removed. Inquiries effect my credit score. I was notified about this action through XXXX XXXX. Thank you
My credit card number was used for several online purchases without my authorization. Here is the summary : XX/XX/2018 XXXX/Bill XXXX Ca - {$28.00} XX/XX/2018 XXXX XXXX/Bill XXXX Ca - {$6.00} XX/XX/2018 XXXX XXXX/Bill XXXX Ca - {$22.00} XX/XX/2018 XXXX XXXX XXXX XXXX Ca XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$9.00} I attempted to dispute this with 5/3 bank They closed the account, but then transferred these balances to my new credit card account. I had to call them three times to get a dispute started and even now I am not sure that they are investigating them. They indicated that they would look at them within the next 90 days, but that I would still have to pay interest on the purchases and that they might not issue a credit for them.
I attended the XXXX College of XXXX ( part of XXXX XXXX University now ). Then XXXX, now Navient, refused to release my cosigner due to a " failure '' to make " 24 consecutive principal and interest payments, in the first 24 months '' when I have proof of more than 24 on time payments in that timeframe, with the only issue being that every XXXX payment, after beginning repayment, was only applied to principal by XXXX XXXX, thus disqualifying me from ever being able to release my cosigner. This eschews the fact that also, because they had misinformed me, I was paying DOUBLE what I was required to. This was fortunate in the aspect that it got me roughly a year ahead of repayment schedule, and was a boon when my car broke down, giving me some breathing room, but it still did not favor me when trying to release my cosigner. 

Later, after my loans were handed over to Navient for servicing, they changed the qualification of my " cosigner '' to a " co-borrower '' without any sort of paperwork etc. needing a signature. Now, because of this, my student loan debt is being assessed as debt to my cosigner, and preventing them from financial pursuits such as mortgage refinancing etc. because they now appear to have significantly more debt than they so. 

Lastly, a word of caution, when I consolidated my XXXX XXXX XXXX loans into XXXX consolidation loan for easier repayment, they converted the loans from Federal loans to Private loans, thus removing my ability to act upon special federal provisions and laws that would help me. I do not recall and explanation of this change occurring, nor did myself or cosigner receive any paperwork alerting us to this VERY significant change. It was years before I saw the change reflected on the Sallie mae servicing site, and not with them being sent to Navient for servicing, I fear there are simply too many levels of convolution ( not to mention corruption ) to adequately deal with any of these issues. 

In general, my payments have always been on-time, with the only significant lapses being the end of 2015, when I eventually defaulted in XXXX. I was out of work, not even able to pick-up odd jobs, was struggling to find a job which was going to cost me more in childcare than I was going to be paid, I had already a year or so prior, cashed in any retirement funds I had, and while my wife is paid a decent wage, it was n't ( and still is n't ) sufficient for our household of XXXX to survive on. But that default lead to a year in Navient 's rate reduction program, which coupled with me finding gainful employment, has allowed me to actually afford their payments, but beginning again in XXXX, I return to the XXXX higher interest rate and a {$100.00} increase in payment. I will thus be breaking even at best each month, so no savings or hope for travel, extra retirement, new cars, new house, or really any other expense aside form the bare necessities of modern life.
I have several concerns with experian. The 1st one is, I asked for verification on several accounts on my report. I received notices saying the accounts were verified. I then asked for method of verification through a BBB complaint on XXXX XXXX. I received a response yesterday saying the case was closed but Experian provided no response. 2nd, I requested my bankruptcy to be removed based on the current Civil Case No. XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, I did not know the source of their information on those bankruptcies and due to this, Experian has also violated the Fair Credit Reporting Act ( FCRA ). I was told the information for the bankruptcy was verified on XXXX separate occassions. I didnt ask for verification in my initial request, I didnt authorize a 3rd party to obtain or furnish any of my personal information therefore the bankruptcy needs to be removed. Also, In my conversation today with Experian Consumer Affairs associate, she denied to provide me with the method of verification which I am entitled to, not for just the bankruptcy request but for the other accounts that I requested verification on. I will upload a copy of the BBB complaint later. 3rd, I have accounts that were reported late by my student loan provided which was later corrected with all XXXX credit bureaus, however, 2 weeks ago Experian reported XXXX of these accounts as being negative and not paying as agreed from XXXX. I have correspondence from the bank where this was corrected in XXXX, Experian claims they dont have this information either.
I XXXX XXXX have tried to settle a vehicle repossession matter with Ally Financial for weeks now. There simply is no reasonable process in doing this, as my calls are never returned. I made a big mistake co-signing for a XX/XX/XXXX XXXX XXXX in XX/XX/XXXX for my daughter. She was not responsible and eventually the vehicle was repossessed. Had I been given notice personally about the loan default, I would have brought the vehicle loan current. I believe the only way to remedy this matter is by filing a complaint with the Consumer Financial Protection Bureau. I respectfully requested a detailed outline as to how many times the repossessed vehicle was placed in auction, and I would appreciate a copy of the resale certificate that proves a shortfall of {$8800.00}. I am also in a financial position to make a one-time payment of {$2500.00} with Ally Financial to settle this matter permanently. I would appreciate a response to my request for documentation as well as the financial offer in compromise through the Consumer Financial Protection Bureau. I am doing my best to resolve a matter for my irresponsible daughter who has fallen on hard financial situations.
I sent out 2 notices of BILLING ERROR and questions related to BILLING ERROR NOTICE The first was XXXX XXXX and the second was XXXX XXXX. As a result I was sent COPIES of my statements for answers to questions stated on both BILLING ERROR NOTICES. I received these NON VALID correspondence to my notices past the 90 days at most, allowed under the FCBA. The COPIES of statements do not constitute proof under the LAW! There is no longer an agreement. There is no longer a contract. The alleged contract is null in void based on the lack of proof of verification and aquiescense to the new terms of agreement.
I have a tax lien still reporting on my credit! the tax lien was paid in full in XXXX, but never filed with the courts cause irs was unable to provide me a copy of the lien release but cause of the age of the account, but that I would be able to get it from the court house which XXXX county could not provide! so this paid debt sits on my credit report and every time I dispute them they are always validated! because I do n't have forms to file at the courthouse! ref number XXXX DATE FILED XX/XX/XXXX Status Filed Amount {$1900.00} Classification Lien Type State Tax Lien
A few years ago I had service with XXXX. I went ahead and fulfilled my obligation with them until I decided I wanted to cancel services. Once I did, I went in person to cancel services and pay for any final charges. They gave me an amount and said I was done. I asked in person if I needed to return my equipment to them and I was told no. I was told that I had purchased the equipment and it was mine to keep. 

Here we are almost in XX/XX/2019 and I see a brand new collection for XXXX or rather XXXX now. I call XXXX and they don't seem to know why I owe them any money. I then call the collector named Waypoint and am told that it is for equipment charges. I fight with Waypoint because if XXXX couldn't tell me what the bill was for how would I know if I really owe for equipment charges? In the end I was told that is what it was for. I was upset but decided against making a big scene so I explained how I was told I had purchased my equipment and paid any amount due at the end in person. I said that I would go ahead and pay for the equipment even though I was specifically told that there was no money owed and the equipment was mine. Waypoint refused. They said they wouldn't remove anything from my credit report. I was more upset. 

After Waypoint refused to remove this account from my credit report even if I paid i began getting more upset. How is it that someone can go in person to a company they have no contract with and pay them their final bill in person. Then ask the company for any other moneys owed and told there isn't any. Ask the company about returning their equipment and told the equipment is now owned by the person. Never receive a bill. Never receive a phone call. Never told there is a collection. And then told that even though none of this is their fault, but regardless of whether the collection is paid or not, it would still hurt their credit report. How is that fair or even reasonable? How is it logical? 

I really don't believe this is right. I understand Waypoint isn't the one sending me to collections when I was told I didn't owe any money and equipment is mine, but I don't believe Waypoint should collect this money or credit report it when they have been informed of the circumstances. To collect this debt knowing full well that I have been lied to or cheated now involves them in the matter.
I'm filing this complaint because Experian - REPORTING # XXXX AND REPORT # XXXX has ignored my request to provide me with the documents that their company has on file that was use to verify the accounts I disputed. being that they have gone pass the 30 day mark and can not 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 the matter as soon as possible. Thank you.
Explanation of complaint : I graduated in 2007 and started paying my student loan. 
It was my understanding that my loan would be paid in 10 years and it has been over 10 years and I owe just a couple thousand dollars less than I started with. It states that my repayment is an income based repayment program and I am not sure how that happened. At this rate I will be dead long before it is paid off. I am sure that I have to date paid as much if not more then I owed. Please help.
Dear CFPB, On XXXX XXXX, 2015 I contacted National Credit Systems XXXX Inc., and I spoke with representative XXXX XXXX about a debt they Reported to the creditors in the amount of {$1700.00}. I requested a debt settlement offer for {$1000.00}. In which I was denied. XXXX days latter, requested a settlement offer for {$1200.00}. And on the XXXX of XXXX, I was told my offer was denied and they were not accepting any offers, and that the account had to be paid in full by XXXX XXXX, 2015, and if not paid in full by that date the amount owed will increase and the new amount would be reported to the credit bureaus. So, to avoid any more negatives to my creditors I paid the amount in full on XXXX XXXX, 2015. To my astonishment, on XXXX XXXX, I received a letter from XXXX XXXX, stating that they are offering a XXXX percent settlement in the amount of {$880.00}, I was shocked! And hurt to know that they would go to such extreme to be deceptive just to obtain the full amount. However, I would like for the company to honor the 50 percent settlement offer, and return {$880.00} in certified check.