WillisBack/dataset-financial-user-claim huggingface dataset:
I have paid my mortgage through online banking for years. My mortgage has been sold from XXXX to Greentree to Ditech. My mortgage company, Ditech has tacked on late fees and unauthorized charges. I have not been late with my payments, yet they put my payments in an unapplied funds and the monthly balance never goes to XXXX so these fees keep adding up to where my statement says I 'm two months behind, Now someone is coming to my house and cutting the grass when we are not there and I feel they are going to add some more charges to my account. I stopped answering their phone call because they were not trying to help solve the issue and the represenrtative was rude and they call and harass us at all times of day and night.
On XX/XX/2019, I sent XXXX credit card {$250.00} ; keep in mind my limit is {$500.00} I was not over it. Somehow they ate up {$150.00} 's in fees ; the largest fee being the annual fee of a {$100.00}. This is unexceptable. The advertising shows no annual.
Two years in a row, Roundpoint MortgageServicing Corporation forced placement for insurance on my property even though I had insurance coverage in place throughout that time and repeatedly sent copies and had my insurance company send copies. I 've had a total of XXXX documented phone calls, faxes, and letters to Roundpoint during the last 18 months and they have ignored my request to make this right. Each time I 've talked to someone in customer service, they have assured me that they have everything needed and that they see my insurance was in place during that time. I asked repeately XX/XX/XXXX for them to refund the amount they were escrowing since they did not need to force insurance since my was continually in place. They say they can see that they had proof of insurance, but will have to have the escrow department review and contact me. Nothing ever happened. When they forced insurance again beginning XXXX/XXXX/XXXX, I sent them a letter ( attached ) asking for immediate action for this fraudulent action. They just notified me that they will not escrow money for XX/XX/XXXX and have cancelled the forced insurance for this year. No mention of the prior year was given and my call to them gave the same result ( " I can see you had insurance in effect and we have what we need, but I ca n't take action ... '' ). 

I appreciate your help with this.
XXXX  XXXX account fraudulently opened in my name, was placed with collections. Refuses to close and delete collection account.
When I established my mortgage loan with Pennymac, I was told that the PMI that was on the original loan would be dropped. As I look at the loan that was underwritten by Pennymac, I see that there is still PMI on my loan. This was promised to me by your organization. 
I want the PMI dropped, to disappear, to go away. My credit score is very high. I will refinance with someone else if you ca n't make this happen. 
Thank you, XXXX XXXX
I saw this post for the concert tickets and the guy offered me to sell them for XXXX dollars for a pair and we agreed, i paid him through paypal and when he received the payment he blocked me on XXXX account and didnt send me the tickets in my email. I have contacted the XXXX XXXX and no success, i have called the paypal company and still no success, this took place on XX/XX/2018
I opened a savings account with CitiBank ( hereinafter " the Bank '' ) in response to the Bank 's mail offer. Under the offer, the Bank promised to provide me with a cash bonus of {$300.00} if I fund my savings account with a deposit balace of {$25000.00} - {$49000.00} by XXXX/XXXX/16 and maintain the minimum deposit until XXXX XXXX. I have met all the requirements, but I have not received any promised cash bonus from the Bank as of today.
This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different  consumer credit rights.
I have contaced Equifax in the past regarding XXXX accounts listed with XXXX XXXX. The XXXX accounts were reporting inaccurate information, so XXXX XXXX opted to delete the tradelines. The XXXX other credit breaus have deleted the XXXX trade lines how ever equinox will not. XXXX XXXX account # XXXX - and account number XXXX. The accounts were reporting incorrectly and XXXX XXXX agreeded to delete the XXXX tradlines. I have enclosed a copy of the letter from XXXX XXXX as proof to delete the trade lines.
There 2 XXXX XXXX accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first XXXX XXXX account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd XXXX XXXX account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent JCPenney account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.
MoneyGram cancelled my transaction ( {$2000.00} ) due an error. Despite the cancellation, they withdrew the money from my checking account. They said it may take up to few weeks to get my money back. That's not fair. I sent the money on XX/XX/, they cancelled the transaction on XX/XX/ and withdrew the money on XX/XX/.
My name is XXXX XXXX and I have been a identity theft and fraud victim in XX/XX/XXXX '' and a company called PRO COOLECT HAS ACCURATE INFORMATION from me and a apartment complex that someone else has you my identity and rented a apartment and a broke a lease and utilities in my name at a apartment complex called " XXXX XXXX XXXX " in XXXX, XXXX a state I have never lived in and I have documentation and the apartment complex " Manager with 100 % proof that it was not me. 

They refusing to re investigate my case and sending this information to the credit bureaus and they are calling and threatening me. 

I have open a dispute on XXXX XXXX from the previous one that was closed in XXXX due to the manager XXXX EXT XXXX not properly handling my case. 

I can not live in XXXX states at XXXX time, also My job, apartment, and all detailed documents Proove I was in XXXX where I am from when the ; person ( s ) used my identity. 


Also I sent the apartment complex my ID and information that I never lost lost due to a breach with ( XXXX IN XX/XX/XXXX '' my insurance carrier. That the person that came got the APARTMENT was two different Identifcations used told by the property manager " XXXX " and sent them ( PRO COLLECT A LETTER on XXXX XXXX to them to cancel everything and they have not responded or giving me information now and making it hard for me and all XXXX credit bureaus to remove this all my file. 

This is a very stressful, heartbreaking, and long process since last year when I found out, and I do not have a lawyer or help and this will hinder me From future jobs ( I am college graduate working in the XXXX for seven years ), from renting a apartment, buying a home, and I need assistant. 



And they are rude, disrespectful, they did not send me information, and they told me there 's was not enough information giving me why I was held responsible. 

There were XXXX XXXX used for this apartment complex, and it was mentioned to me after the file was pulled and the apartment complex made me fully aware of this and PRO COLLECT HAS PROPER information. 


My number is XXXX XXXX XXXX I went all the way to XXXX to file a report, I did my affidavit, and filed with the FBI.
XXXX XXXX XXXX is reporting an account as paying in collection. I was told by the company they would not report to the credit bureaus if I paid as agreed. However, they have not honored that agreement and is reporting I am late on payments. I havent missed a payment.
I was contacted by telephone by XXXX XXXX, phone number XXXX on Thursday, XXXX XXXX regarding an apartment lease for my son we were trying to pay off with leasing company. My wife contacted XXXX XXXX on the XXXX who then told her that a payment arrangement needed to be made before Tuesday, XXXX XXXX or the account would be reported to the credit bureau. She informed XXXX XXXX that we had not received any notice of the account being turned over to collections as we were still sending payments to the corporate office of the apartment housing. XXXX XXXX told her that a letter was mailed out on XXXX XXXX and still demanded a payment arrangement be set up prior to the XXXX. My wife explained she was not comfortable giving out our checking information over the phone since we did not have proper notice. We finally received a letter in the mail from XXXX XXXX ( National Credit Systems , Inc. ) dated XXXX XXXX, 2016. My wife explained to XXXX XXXX that she would be disputing the amount claimed to be owed as she has repeatedly requested an accounts ledger from the apartment corporate office as our balance did not match theirs.
I called Chase to report fraudulent charges on my credit card statement that were from XXXX car rental in XXXX on XX/XX/17. I was never in XXXX and reported the charges to Chase on XXXX occasions. I also had them replace my card with a new one and new number. Chase has not done a thing to remove the charges and i have been tranfered from dept to dept. The total charges are {$1500.00}. 
I also want to note that I recieved fraoud alerts from chase via email and text and replied to them as well.
XXXX XXXX and myself have been disputing and notifying Equifax of FRAUDULENT activity regarding a hard inquiry by XXXX XXXX on my Equifax credit report via US Ceritifed Mail and electronically to no avail. I am continually receiving generic responses in both electronic and US Mail essentially refusing to remove the hard inquiry or recognize the fact that I'm stating it as fraudulent activity. 

The following are the dates I submitted complaints concerning this matter via US Certified Mail ; XX/XX/XXXX and XX/XX/XXXX. In these communications I have also included responses from XXXX XXXX recognizing the fraud and their diligent efforts to have the hard inquiry removed from my Equifax credit file. The responses from XXXX XXXX were sent via US Mail on XX/XX/XXXX and XX/XX/XXXX and transmitted to Equifax by XXXX XXXX  in addition to the copies I mailed to them. 

The following are the dates I submitted complaints concerning this matter via electronically on Equifax 's website : XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Again, I am receiving the EXACT identical generic responses to my concerns. 

It should be noted that XXXX and XXXX immediately removed this hard inquiry once XXXX XXXX  notified them of the fraud. 

( Please Note that I am including all of the aforementioned communications in this complaint with the CFPB )
I had applied for a payday loan the company then called me on my cell number provided on the application and then they stated speaking to the company that ended up being XXXX XXXX  I would be able to receive this loan I had applied for I was then informed of a plan of some sort claiming that they would dispute my credit report items and they advised me of one single plan and not the option of a lower paying plan that I found out well after they took money from my account I was also told they would dispute items on my credit report I as of well over several several months after discontinuing not received any documents from XXXX XXXX  stating what was disputed and for what reason it was disputed for I also am now having issues with one of the companies claiming that they can not dispute because they claim that they never received any response from XXXX XXXX or myself regarding said dispute that was reached out I was very unaware and uninformed of what if anything was even disputed as claimed XXXX XXXX  leads very misleading information and I should of received proper documents stating from them what company and details about each report issue on my credit that was disputed because I was very much paying for something that was misleading and if by chance the credit issue with first XXXX XXXX is what was disputed by XXXX XXXX on my behalf should of detailed In the dispute documents and such that was sent on my behalf which obviously not done correctly or may have never been done because I have not received any proper documentation from nor did I ever received via email or regular mail reasons for or what at that time was being disputed I feel I was very misinformed and very mislead for services I was paying for that was never properly done as it should of been if I was paying for something I was coerced into by a payday loan company as well misinforming me by saying I would get this loan approved thru XXXX XXXX  so I was very much mislead by ways of claiming I would recieve this payday loan after speaking to XXXX XXXX which never happened the only thing that maybe the truth was they were going to charge me, little did I know that I was going to pay for services I never properly or accurately had described to me I do honestly feel I was very much tricked into what they offer by the payday loan I also feel that they do this more than it is recognized or that it is reported, this is in response to a XXXX  XXXX XXXX issue that they claim was disputed but have never received a response from the disputer as to why and I was not the one to reach out to dispute so the only company that could of would of been XXXX XXXX XXXX but it was evidently not done the way it should of been if they have no knowledge as to why they were having a dispute put against them ... ..
After reviewing my credit report, I noticed a dramatic lowering of my credit score by nearly  XXXX  points. When researching the cause of my problem, I noticed that an account that was discharged in my bankruptcy was showing past due with a balance. Also was reported was the utilization ratio and no notation regarding the discharging of my Chapter  XXXX  bankruptcy. The creditor is  XXXX   XXXX   XXXX . All of these factors caused my score to lower significantly.     According t o 15 USC 1681s-2 ( a ) ( 1 )  ( A ), it is a violation of the CRA to report inaccurate and incorrect information on credit report. This error has diminished any attempt to move forward to restore my creditworthiness.
as of XX/XX/ 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.
I am being harassed by Navient collection company for a student loan. I have n't received any documentation stating that this is my loan. Having this on my credit report is causing a hardship and possible loss of job. I am currently going through a XXXX and this negative action by Navient may cause me to lose my job. Please have Navient to stop the harassment and send me any documentation that states this account belong to me. I am requesting immediate action due to the fact that this account is being questioned by the investigators.
Debt formerly held by XXXX, sold to XXXX XXXX, then resold to XXXX XXXX for a former debt holder XXXX? 

A debt has been removed from my report, has now been resold and re-posted. A violation on of the Dobb Frank act if I am not mistaken.
XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely XXXX XXXX
The credit card issuer is not properly investigating the disputed transaction between the merchant and credit card holder. All the support provided by the credit card holder is being ignored. The credit card holder contacted the credit card issuer multiple times and requested to discuss the case with Dispute Resolution Department directly. All the requests were ignored, the case was cancelled and reopened several times since XXXX 2015. Please assist to get hold of Dispute Resolution Department representative of the credit card issuer ( not just the general customer service representative ) so that I can explain the situation to the case investigator and discuss the deficiency in their previous reviews. Thank you.
My  XXXX / XXXX / 2017  statement with  Ocwen Loan Servicing contained a section called important News. It stated tha t my " payment amount has changed to {$1500.00} effective  XXXX / XXXX / 2017  ''. I made the payment of {$1500.00} on  XXXX / XXXX / 2017 .  Ocwen  is now indicating that there is a different change that occurred and. Thew new change indicates ab additional  XXXX  is owed and I have been referred to their escalation department. I have made several attempts to contact Ocwen and notify them of their error.
Company continues to report to credit bureau a debt that was previously included in a chapter XXXX  bankruptcy and discharged. Dispute was made with credit bureaus and the reporting continues.
I found XXXX hard inquiries on my credit reports from Microbilt.com that were NOT AUTHORIZED - I contacted their compliance dept, they told me that both inquiries were done by XXXX XXXX in XXXX, FL - I DO NOT know this company, I have no dealings with this company.
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Microbilt gave me a phone number to contact XXXX XXXX at XXXX but it goes to a cell phone voice mail. I have left messages but have not heard back from them.
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I filed a dispute via mail with Microbilt to remove these unauthorized hard inquiries but no response yet. I do not want a company like Microbilt to have my credit information or allow companies like XXXX XXXX to access my credit reports WITHOUT MY APPROVAL.
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This is an invasion of my privacy - how do we block Microbilt and XXXX XXXX from these fraudulent activities??
I contacted Chase Bank on XX/XX/18 regarding the unknown charge. Chase Claims Specialist, XXXX, stated she can not remove the unknown charge for the merchant, XXXX XXXX already credited to my Chase account. I informed XXXX, Chase Claims Specialist that the unknown charge should not be on my Chase checking account, for it is not my charge. XXXX, Chase Claims Specialist ignored my request and stated that the unknown charge has to remain on my checking account.
XXXX. Transunion is taking advantage of people seeking credit freezes in light of XXXX breach. They provide misleading sales pitches, purposely push a " lock '' in place of a freeze, and scammed me into a subscription that renews monthly and for which the price XXXX {$21.00} XXXX was hidden. To cancel you have to call them, and there is no way to get past a lengthy hold and reach anyone. Please help.
i recieved a predatory loan in 2008 from XXXX, then whitney and now hancock of XXXX fl.the president of XXXXand his sister construction loan officer stopped my draws my loan was for XXXX to complete my home i still had XXXX to use i could not go on so my home was nt finished i got out my loan papers which were mailed weeks later i went over and over i seen where they put my income at XXXX a month my actual income was ssi XXXX that i gave them proof of my co-borrow XXXX they put her income at XXXX actual was XXXX our combined actual income was XXXX not the XXXX they listed my assets the home where the house was being constructed i paid XXXX they put it as XXXX i also had XXXX vacant acres i paid XXXX 6 months prior they put dowm XXXX on loan docs XXXX different % rates XXXX different loan officers signatures with XXXX different dates which means XXXX signature is a fraud i have been trying to get help forever now i got forclosure papers i lost everythig this was my dream home and have nothing i have all docs to prove what i say but dont know where to turn aty gen fl., hud, i amm on ssi and get only XXXX per year so i cant afford an atty i even contacted the fbi by email and phone they have never once got back to me they listed my net worth at the time as XXXX know way is this true maybe XXXX if that know nothing we didnot lie on our app we gave them our proof of income when siging they put papers in front of us and we just signed our loan docs were mailed to us weeks later and i never looked at until they stopped my draws that should have terminated the mortage i would have finised my home and been living in it instead of being forclosed on now there is so much more to this and i have all the proof
I got a secured credit card with USAA a year ago. I set it up to automatically pay itself through my bank account, also with USAA then I had credit card fraud on my Credit card and I notified them, they canceled that credit card and issued credit back to my account for the fraud charges I noticed at that time that my automatic payments were not going through and I called. I was placed on hold so they could research but they never came back on the line. I called back on Thursday, and ended up on hold for a very long time while they researched with their back office and they came back and told me that the automatic payments cancelled when the fraud was credited back onto my account and that their system recognized those credits as payments instead of a fraud reversal credit and the auto payments stopped and nobody in USAA had identified this as an issue nor bothered to fix it. They never put the automatic payments back on, even though I called multiple times about this and this resulted in them counting me as delinquent, and now is reporting on my credit. 
I tried reasoning with them and asking how they can make me suffer consequences for fraud, which wasnt my fault, how their system recognizing fraud credits as payments is something that I as a consumer am being held responsible for. This is SECURED credit, its my money to begin with and yet not only did they charge me increased interest, and penalties, they are defeating the purpose of my even having a card to rebuild credit because of their FAULTY SYSTEM this is not ok
There was a court order payment of {$260.00} to be split between my ex husband and me. I have maintained a regular payment of XXXX to the mortgage lender, chase bank. However, my ex has not fulfilled his part of the payment but chase continues to report it as a negative or delinquent account on my part. This is taking an XXXX on me as a single mom with XXXX boys. I ' like the negative reports be removed and the previous negatives corrected as a true reflection. I 'm afraid this will affect my ability to secureany future loans on some reasonable terms.