WillisBack/dataset-financial-user-claim huggingface dataset:
In CFPB Filing # XXXX XXXX XXXX XXXX XXXX stated that they CAN summarily make changes to a Mortgage without the PRIMARY signatories signature, by virtue of a Divorce Decree. In the Divorce Decree between myself and XXXX XXXX XXXX is a SPECIAL WARRANTY DEED, which is NOT THE same as a Quit Claim Deed. I have checked this with several Lawyers and even with the FBI. So, instead of fixing the problem, XXXX decides to CLOSE the offending case file, then open a NEW ONE, again without my signature. So, since XXXX XXXX XXXX can not pay on time, it shows up on my credit report. This is getting very tiresome, and this is exactly what XXXX XXXX was fined millions of dollars for, opening accounts without permission from those people. I want this stopped immediately. 

This is their response for Complaint # XXXX : We 've been unable to establish contact with you regarding you concerns about the credit reporting of your account. A Divorce Decree and/or Special Warranty Deed may transfer title to the property, but it does n't affect the original terms of the Note. Since you 're a customer under the Note, we 'll continue to report this account under your name to the consumer reporting agencies. On XXXX XXXX, XXXX, we mailed you a notice that we were making a change to our servicing system. We did not open a new account for your loan, we simply moved your existing account to another servicing system within XXXX XXXX. Effective XXXX XXXX, XXXX, your loan number changed from XXXX to XXXX. The account is currently due for the XXXX XXXX, XXXX payment. 

I have never been contacted with any of this information. Ever. I am willing to submit my home phone number logs ( XXXX XXXX XXXX or my cell phone logs ( XXXX XXXX XXXX as evidence in Federal Court to prove that they never bothered to attempt contact. As I am a XXXX XXXX XXXX XXXX, they have committed a Felony under XXXX XXXX XXXX. XXXX XXXX continually commits the exact same type of Fraud that they were convicted of in Federal Court. Also, they FAIL TO MENTION that they CHANGED the note WITHOUT my signature or consent, their OWN paperwork shows where my SIGNATURE is REQUIRED, yet they changed the NOTE at that point. 

The CFPB seriously needs to investigate this. I have contacted the FBI and HSI concerning this matter. They have BOTH said what XXXX is doing is ILLEGAL yet it does not meet their threshold for prosecutions. The CFPB needs to investigate and prosecute XXXX. XXXX can not have it both ways they can not deem my rights as primary signor null and void, materially modify the terms of the mortgage, and then set up a new mortgage account all the while telling me that I am still responsible for the note that is not the original note that I signed.
In XX/XX/2019 I took advantage of a 0 % promotional balance transfer offer from XXXX XXXX   However, every month I have been charged the minimum finance charge of {$2.00}, even though no other purchases have been made. 

I have contacted the company several times without an adequate explanation.
I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and Transunion and XXXX their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this
When my husband and I needed to replace our home 's heat pump two and a half years ago the company replacing it offered financing through Synchrony Bank as an alternative to paying up front. After a little over two years we decided to take out a personal loan through another bank and one of the conditions of the loan was that we pay off the balance that we owed on the Synchrony loan, about {$2000.00}. The bank gave us a check to send in to Synchrony, which we did, XX/XX/XXXX. Since it was close to the due date for the loan we also logged in online and made our monthly payment, figuring we would get a credit and they 'd send us a check for the overage. I called Synchrony to let them know about the situation and was assured that it would be resolved within 10 days of them receiving the check. When the credit did n't post as expected, I began contacting Synchrony. Over the last two and a half months I have called Synchrony over a dozen times and been told everything from, " it looks like someone is working in your account right now, so that is probably the check being deposited, '' to, " We have no record of EVER receiving a {$2000.00} check (! ) '' I gave them every bit of information they asked for, including faxing in the cashed check showing that they had deposited it XX/XX/XXXX. Every time that I called they told me a longer processing time to receive whatever information I 'd sent and once that time frame had passed they implied that it was my fault things were taking so long for not following up sooner. ( I faxed something in on Monday and called to let them know to expect it, they said it would take up to 24 hours to process into my account. On Tuesday it was, " it takes 24-48 hours, '' on Wednesday it was, " It usually takes 72 hours, '' on Thursday it was, " If you faxed it on Monday why are n't you calling until now? '' ) It was not until I threatened to just have a lawyer handle the entire situation that I was finally transferred to a proper manager, who was able to find the payment within minutes. I ca n't help but think that they must be milking XXXX other people, most of whom do n't have the option of turning it over to a lawyer and just end up getting bilked out of doubled payments or late fees on something they 've already paid in full for.
I did not authorize this {$2900.00} debt with this institution. I have filed and submitted documentation to the company at least 20 times, I knew nothing of the debt until it was charged off and I began to receive collection calls from the company. I notified each and every agent that called, that this account is not mine. 

I have been a victim of Identity theft for almost 10 years. Over the past 10 years people have gone as far as getting cars, apartments, credit cards, bank accounts and utility services in my name. I have filed many police reports and done FTC Affidavits, many of the reports were filed with the city and county in which the fraudulent accounts were opened.
I learned at the end of XXXX that my information had been used to open and pull my credit for auto loans. All fradulent activity took place bettwen XXXX. 

First I contacted Transunion to dispute a hard inquiry on my account that I didn't recognize. They informed me that I need to contact the bank who pulled my credit, XXXXXXXX XXXX. 
At the beginning of XXXX contacted XXXX XXXX to remove a hard inquiry. XXXX informed me that I need to fax the information to them for them to submit a deletion letter to transunion. 
On XX/XX/XXXX, I faxed the police report, identity theft report, letter to remove the inquiry to XXXXXXXX XXXX. 
On XX/XX/XXXX, I called Transunion to see if they go any correspondence from XXXX XXXX. They didn't. 
The person I spoke to, said the only way i can get the inquiry of my credit report is if I get a letter of deletion from XXXX XXXXk XXXX which i tried to on XX/XX/XXXX ) Side Note-During this time the credit bureau received information to delete a fraudulent CC that was opened under mine name ( from my information being compromised during the XXXX   breach ) which was open days before this hard inquiry was placed on my account. But they say they don't have any information to remove the hard inquiry. 
-they also know that i have identify fraud because they have applied an extended credit monitoring note on my account for 7 more years. 
-- So I am really confused, I am having more trouble removing a hard inquiry from my account than an XXXX fraudulent open credit card. Please help me get this last fraudulent thing off of my credit report.
On XX/XX/XXXX my Navient loans emerged from deferment after my cosigner 's bankruptcy disbursement was accepted. My total loan with Navient is {$160000.00} and my monthly payment is {$1300.00}. I only make {$50000.00} a year in Washington, DC, and between servicing two other loans, bills, and living expenses that exceeds my funds my hundreds of dollars. 

That evening, I attempted to fill out Navient 's payment plan estimator tool, but I continued to get error messages. After thinking it was a misunderstanding of mine, I called them on XX/XX/XXXX to speak with a live person about repayment options. The person I spoke with informed me that my loans were not eligible for payment plans and that the total is due beginning in XX/XX/XXXX. I explained that the payment was greater than my rent, and I was simply can not make that payment. My representative then asked me how much I think I could pay. Naturally, I thought that was suspicious and told her I would not haggle, I know there are formulae used based on my income they could use to determine a more manageable payment and that I would not engage that line of questioning. Next, she explained there was one option - an " interest only '' payment plan. The interest only plan estimated about {$940.00} a month and still exceeds my means. She said I had no other choice. I told her to put it in my account notes and I would call later. 

On Monday XX/XX/XXXX I called again to get some paperwork to review. It was the same story with no other plans, but then they told me they could not send me anything until I agreed to it on the phone. That really raised my suspicion. I refused to that arrangement and asked they send me an estimate in writing to my email. They said they had to write a special letter and only could send it through the USPS. I am currently awaiting that letter. 

My job hunt is dependent on me paying my bills, and this can severely impact my ability to pursue a career and earn an income.
Paypal will not allow me to unlink a bank account. As a result, Paypal continues to withdraw money from a bank account with a low balance. Each time Paypal withdraws money from my linked bank account, sometimes for as little as {$0.00}, I incur a {$35.00}  bank fee. In the past 6 months I have incurred several hundred dollars in bank fees as a direct result of Paypal 's withdraws. 

When I log into my Paypal account, I am unable to remove ( unlink ) the bank from my Paypal account. 

On XXXX XXXX, XXXX I called Paypal and spoke to XXXX and XXXX XXXX XXXX identified herself as a supervisor. Both Paypal representatives told me they could not remove my bank account from my Paypal account. I asked for a copy of the Paypal policy which dictates that I am unable to remove a bank account from my Paypal account. Both representatives informed me that they could not send me a copy of the policy. I asked to speak to someone else. XXXX said I could not speak to anyone else. Instead they berated me, became hostile and hung up on me.
On XXXX/XXXX/XXXX I noticed a charge on my account of almost {$2600.00}. 

I called Chase bank to report that I had n't made the purchase. Chase advised they would put the money back in my account while they investigate. 

One Friday XXXX/XXXX/XXXX I received an email from Chase. I called the bank and was told that my fraud claim was denied, because everything " matched '' and they will charge the amount back to my account on XXXX XXXX. 

I did not make this purchase. 

I have spent many hours researching what happened. ( Something I wish Chase had done ). 

Someone ordered ( 2 ) projectors from XXXX online on my card, using my name and address. 

Then they had XXXX XXXX redirect the shipment to be held at the XXXX XXXX office for pick up. 

Then they picked it up at the XXXX XXXX office. The signature is NOT my name or signature. 

I have called the bank MANY times to resolve the issue, Chase is not being helpful. 

I tried to send them the signature I got from XXXX XXXX. They wo n't accept an email from me so I had to go to the local branch to fax it to them. I brought it on XXXX. 

Yesterday, XXXX, they said they could n't read the fax so I had to bring it in again today. 
My local branch submitted it today along with a copy of my signature to prove it does n't match. 

On Monday XXXX, I filed a police report. 

At the time the purchase was made, I did not have enough money in my account to cover the purchase. I do not have overdraft protection on this account, yet Chase chose to honor the purchase instead of declining it. 

I have had my accounts with Chase for many years. I honor my purchases. I have held up my end and done all I can to prove this is n't my purchase. Chase needs to hold up their end.
Was called from XXXX XXXX XXXX  about my loan being sold. Told that in XXXX i had 30 days to contact them back and everything would be in writing. Never gave me information about my new loan ... how to pay. I never received a account number the one i had was false and the number on the letter was the wrong number. Where to pay etc. then I got a morning wake up to a repo man saying I was Behind in payment. Also they didnt have my correct address or telephone number. So although they said they were calling me they were not. And they left no voicemails. Called to rectify things, not a lot of information was given. No time table, no payment stub etc. no account number. I still Dont know where or how to pay the balance.
This company has placed an account in collections that is not mine. I have never heard of the company and do not owe this debt.
Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred.
XXXX XXXX Dovenmuehele Mortgage Inc. refused to pay our county taxes by the due date of XXXX XXXX, 2016. They refuse to have anyone from their tax department take our phone call. They refuse to tell us when payment will be made and why its being paid late. We have called and sent in the bill yet they refused to pay it by the due date. They stated in an email they had till XXXX XXXX. The County Treasurer even emailed them stating this is not true. We called again today and all of a sudden they do n't have the paperwork that allows my wife to handle the mortgage. I had to verify over a three way call and give approval for them to speak with my wife. She spoke with XXXX employee ID XXXX. He would not make any phone calls or find out why the taxes were not paid. He repeated numerous times that there is usually a 40-45 grace period to pay the tax bill past its due date. My wife repeated that this is not the case in our county. He refused to put his boss on the line. He refused to get the payment sent over night mail. He refused to send a message to the tax department so this does n't happen again next year. When asked to speak to his boss we were told we could leave a voicemail for his boss XXXX. He refused to provide her employee number or last name. The voicemail box was a generic one that did not state you had reached XXXX. As we are forced to have our taxes escrowed we are left with the Mortgage company making late payments. As we pay our mortgage payment early every month we expect the Mortgage company to pay our taxes by the due date. This should not be an issue.
I have a derogatory mark on my credit report from an unfamiliar collection agency. 
This agency indicates that there are 2 collection accounts in my name : The first : {$750.00} opened XX/XX/2014 The Second : {$1000.00} opened XX/XX/2014. 
I am not familiar with these accounts, nor have I had any communication or contact with this collection agency. 
I have not been provided with proof of such debt.
I began leasing a VW XXXX in XXXX 2015. The XXXX month lease payment for XXXX 2015 of {$350.00} was paid and collected at the dealership. The XXXX payment, which was due in XXXX 2015, was submitted as XXXX Time electronic EFT payment via the VW Credit website with payment being drawn from my checking account. At this time, I also set up auto-payment for the lease payment to be debited from my checking account on a monthly basis. 
At the time I submitted the XXXX 2015 payment via VW 's online system, I received an email confirmation that the one-time EFT payment was successfully submitted ( I have copy of the email confirmation ). At this point, I assumed that the XXXX 2015 lease payment was paid, and the Auto Payment would begin with the XXXX or XXXX 2015 payments. And, I never received any further email communication that the XXXX payment was not properly processed on by VW Credit. The only email communication I received was the attached confirmation that the payment request was received and scheduled. 
I was out of town for nearly three weeks in late XXXX and early XXXX 2015. When I returned in, there was a letter from VW Credit stating that there was a problem processing the XXXX 2015 EFT payment and that I should XXXX-check the bank account information and try re-submitting online payment -- or send a paper check ASAP. I immediately re-submitted the XXXX and XXXX 2015 payments together via VW 's online system and a few days later I followed up by phone to confirm that the payment was received. 
In XXXX 2015, I XXXX checked my credit scores in light of the fact that I was planning to apply for a commercial mortgage, and I noticed that my credit scores had dropped from approximately XXXX to the XXXX 's because VW Credit had reported the XXXX 2015 lease payment as being more than XXXX days late. 
My credit report has never shown a delinquent or late payment, and my credit score has been historically in the XXXX range. Due to this reporting by VW Credit, my loan application is being priced at a higher interest rate. 
Therefore, I am formally appealing this credit reporting action and submission by VW Credit based on the fact that the XXXX 2015 payment was properly submitted by me via VW 's EFT system, and, at the time I submitted such payment, the payment was not 30 days late. I had assumed by the email confirmation that I received that the EFT was submitted and being processed by VW Credit. I received no further email communication that VW Credit was having problems processing the payment request. I also did not receive the VW letter letter until I has returned home in XXXX. 
I am requesting that this 30-day Late Notice be rescinded and that the Credit Reporting agencies be informed of this action. I submitted this information to VW Credit on XXXX XXXX, 2015 and requested a correction. On XXXX XXXX, 2015, I received an email message from VW Credit refusing to acknowledge that VW Credit made an error in processing my EFT payment and failed to notify me in a timely fashion.
XX/XX/2016, I purchased a {$200.00} U.S. Bank MasterCard prepaid gift card at a retail store. I immediately brought the card home and kept it secured in my home. 

On XX/XX/2016, unbeknownst to me, my card was debited {$160.00} for an online payment to XXXX power company. I did not authorize this charge. I do not and have never lived in California and have never had an account with XXXX. In fact, as of XX/XX/XXXX, I still had not ever used my card and it was still secured in my home. No one else had ever seen my card or card number except for me. 

On XX/XX/2016, I was preparing to use my card for the first time and checked my balance online. I then discovered the XX/XX/XXXX unauthorized {$160.00} debit. I used the remaining {$37.00} on my card and then called U.S. Bank to dispute the {$160.00} charge. U.S. Bank asked me to submit my dispute in writing and I promptly did so ( Exhibit 1 ). 

On XX/XX/2016, U.S. Bank wrote back asking me to submit additional information to process my claim ( Exhibit 2 ). I promptly provided this information ( Exhibit 3 ). 

On XX/XX/2016, U.S. Bank wrote back stating that the funds were withdrawn in error and that the funds would be returned to me : " We found that an error did occur and are closing the claim in your favor. A credit of {$160.00} will be made to your account on XX/XX/2016. '' U.S. Bank further stated, " The claim is closed and the credit is considered final. '' ( Exhibit 4 ) Despite this final notice from U.S. Bank resolving this claim in my favor, the funds were not returned to me. On XX/XX/2016, I called U.S. Bank to ask why my funds still had not been credited to me as promised. XXXX, a U.S. Bank phone representative, stated that after sending the XX/XX/XXXX letter to me, U.S. Bank reversed its " final '' decision and now would not release the funds. U.S. Bank had never notified me that it was still holding my funds and that it in fact would not release them, and could not tell me why this final decision was reversed. 

In summary, I disputed an unauthorized charge on my prepaid gift card and U.S. Bank made a " final '' determination in my favor and promised to return the funds to me. Despite this final determination, U.S. Bank is still refusing to return the {$160.00} to me. I request that U.S. Bank return these funds to me, preferably in the form of a check since I do not want to risk these funds remaining on a U.S. Bank gift card.
Hello my name is   XXXX   XXXX  . I am a senior citizen. I do n't recall ever applying for any credit accounts. I recently pulled my credit and noticed several errors on my credit profile. I have not authorized anyone to apply for any new credit for more than 20 years. I 've contacted the following  XXXX  bureau (  XXXX ,  XXXX , TransUnion ) to inform them that I have several errors on my credit report. I 've contacted all   XXXX    bureau 90 days ago to resolve this matter but it seem that this matter is n't important. I 've mailed off certified letters, police report and more. My lawyer will be sending you a letter concerning a civil lawsuit.
1.  XXXX  2.   XXXX   3. TransUnion 4.   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
We filed a Complaint # XXXX with your office against Green Tree Servicing for harassment and Illegal debt collection practices in XXXX 2014 and you closed our case, and then the XXXX fined this company over XXXX XXXX dollars. We are confused as to how our case was closed when we have still taped recordings of the harassment, as well as, the improper and illegal collection practices they used. In addition, this company has now added double the debt to our credit reports and completely tarnished our credit. This company has now changed it 's name and is continuing their deceptive practices. We were denied a loan modification even after we were approved for the HOPE with XXXX XXXX our XXXX Mortgage.