WillisBack/dataset-financial-user-claim huggingface dataset:
this is in reference of the following complaint that i filed on XX/XX/2016 .... XXXX my question still was n't answer ... i stated that the attorney stated they where employee of XXXX XXXX that they are working on there behalf ... they are being mis leading because they are debt collectors trying to collect a debt ... that not mines ... but they want you to think they 're working with XXXX XXXX they why they are coming after defendant.. they said we are representing capital one.. and my question again are they representing XXXX XXXX as they 're they client or they are just debt collector, can they answer that please, and they also said there was no resolution reach at all. but once i told them that was n't my debt, they never respond back to tell me any thing different, as to ask more question they never stop collection of the debt, they proceeded to file a law suit, what happen too the fact that they suppose to hold off on collection for 30 days until they fine out if what i said was true, i should have got a response from them before they decided to file a law suite , so who else can i contact if i want to bring a law suit against them for fair debt violation, and they have a paper with the wrong amount, that does n't match the paper work of the complaint
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX XXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
At the beginning of XX/XX/XXXX, I applied for an Income Based Repayment Plan. At first, I had to resubmit some income information, which was fine. I supplied everything that was required and received a letter stating that they would process the application. However, on XX/XX/12 and XX/XX/13of 2018, I received correspondence through my electronic inbox that I would requested to have my plan changed to a Standard Repayment Plan, which I never requested. In fact, I had requested the IBR and they sent this in their own words : We received your request to remove your loans from an Income-Based Repayment ( IBR ) plan and to repay under another plan. Then the following day, I received the payment plan terms which said I have to begin making payments of {$1200.00} per month on a monthly income of {$1900.00}. This is why I applied for a plan that was based on my income. Now they are saying that before I can even reapply for a lower payment I must make this payment in full for a month. This will cripple me and may end in the loss of my home or car if I have to make this type of payment. Again, this is why I applied for the IBR, which the servicer now claims was an application for a standard repayment plan. If I was already on the standard plan how or why would I request the standard repayment plan. It does not make any sense and I can not pay the standard plan. That is why I applied for the IBR and sent in all documentation stating my income / eligibility.
I applied for assistance in saving my home and was denied assistance back in XXXX 2015. My servicer is SPS and I believe they were missing some of my income as the amount they used in that review seems incorrect. I have recently submitted updated financial information via my attorney ( XXXX XXXX, 2015 XXXX and I believe I qualify for a loan modification to save my home. However, SPS has set a sale date on my property for XXXX XXXX, 2015. I am worried they will not post phone my sale date and I am asking for the help of the Consumer Financial Protection Bureau in asking them to allow me to be reviewed for assistance.
Allied Interstate debt collectors has called my residence XXXX times since XXXX XXXX, 2015. At times, the calls are only minutes apart. Normally it is a machine, leaving a message : This communication is from Allied Interstate LLC, a collection agency that is attempting to collect a debt. Any information we obtain will be used for that purpose. " On the rare occasion that it is a person, they were told the debt does not belong to anyone at our number, please stop calling ( to no avail ).
There has been non disclosure and various instances of fraud. There has been illegal loan assignment and transfers. SELENE FINANCE is attempting an illegal foreclosure. I have received and NOTICE OF DEFAULT with intent to ACCELERATE. They have not answered any questions or proven they have standing to foreclose. 
Issues that Caused irreparable damages:1. Security deed has fraud on its face and is forged. 
2. Contract based on fraud due to none disclosures. 
3. Notice of default sent prior to assignment ( 2010 ) 4. XXXX XXXX was never given 30 day notice prior to the scheduled foreclosure sale5. Foreclosure Sale date set without ownership6. Assignment filed with forged document7. Assignment has fraud on its face8. Assignment appears to be robo-signed9. MERS transferred Security Deed without express written authority from owner10. MERS transferred Note without express written authority from owner11. XXXX accepted fraudulent and forge assignment and file into the public record12. XXXX stated XXXX XXXX is owner of loan/note13. XXXX XXXX has not responded to my correspondence14. I XXXX XXXX the owner of the home was forced into bankruptcy due to fraud and forgery. 
15. XXXX is servicer and according to Federal Law a servicer can not be an assignee. 
16. XXXX is currently fraudulently being paid thru XXXX XXXX existing chapter XXXX bankruptcy17. XXXX has committed perjury in XXXX XXXX chapter XXXX bankruptcy by stating they are the owner. 
18. While in litigation with XXXX and waiting for answers to my various questions XXXX abruptly and illegally transferred the loan to SELENE FINANCE. 
19. SELENE FINANCE is servicer and according to Federal Law a servicer can not be an assignee. 
20. SELENE FINANCE stated XXXX XXXX is owner of loan/note21. XXXX XXXX has stated to me verbally that they do not own any loans22. SELENE FINANCE is currently fraudulently being paid thru XXXX XXXX 's existing chapter XXXX bankruptcy23. SELENE FINANCE has committed perjury in XXXX XXXX chapter XXXX bankruptcy by stating they are the owner.
Mortgage company XXXX charged me for this month. Was told I would have to wait over 30 days to refund my money. Was told due to a system upgrade. This payment came out of my checking account as a direct payment. leaves me with XXXX left for the rest of the month. I have other bills direct debit that will be returned plus XXXX fees on top of it I will get plus late fees.
Southwest credit collection agency continues to report wrong information about me to the credit agencies even after it is determined that I am not the person there looking for, Ive disputed the issue multiple times sent my SS # and documentation. Ive spoke with a supervisor XXXX XXXX who said that Equifax and her company got my name mixed up with someone eles. Southwest reports information to the credit agencies without first contacting the consumer about the debt.
A loan from XXXX XXXX & XXXX is on my Equifax credit report. First I have never missed a payment, and second it still is being reported as open when the account shows a {$0.00} balance. The account should be closed and the accurate payment history should be reflected.
I have been contacted on XXXX occassions from people claiming to be from commonwealth with a lawyer named XXXX XXXX threatening to sue me if i do not pay him within 72 hours. I was also told I would have to pay {$5000.00} in fines and court fees and that a uniformed officer will be coming to my home. XXXX also threatened me saying " dont worry maam Ill see you ''. He refuses to give any additional information. I explained to him that I paid the card off and have proof of it and I was willing to forward it to him, to which he replied he didnt care and that I am lying and it wasnt paid and I need to pay him. He is threatening and rude and hangs up.
As of XX/XX/XXXX when I was living at XXXX XXXX XXXX XXXX # XXXX. The owner at the time XXXX XXXX XXXX decided to not to collect my rent. I was paying the rent late and informed them in writing that I will be late. When I then had the rent along with the late fee XXXX XXXX decided not to collect the rent and decided to pursue the eviction process. At the time I was a section 8 tenant so I couldnt get up and move quickly. There is a moving process with all section 8 tenants. I went thru the court proceedings with XXXX XXXX and I eventually moved out in XXXX XXXX XXXX. I turned over the keys to the unit as well. As stated from the judge that all information to this case is sealed and no judgements should not go against me until final court date which is in XX/XX/XXXX. As of today I am still in court proceedings with XXXX XXXX. But I notice that XXXX XXXX which is now XXXX XXXX XXXX is reporting to XXXX that I owe XXXX. It's been reported as a collection debt that I owe to a apartment management. Which is not true because we haven't resolved anything til our next court date which is XX/XX/XXXX. All information being reported is inaccurate and I disputed it numerous times with XXXX but nothing has not changed.
I am currently applying for a mortgage loan. I found out through the lender, that Equifax has once again, listed account information incorrectly. I have an XXXX XXXX credit account and instead of showing it paid off less {$.00} balance for the last XXXX days, they are reporting it as a SUSPENDED account with a much larger balance. It is NOT suspended and I have attempted to contact Equifax and it wo n't allow me to access my credit report AGAIN! They continuously report incorrect and old information and as a result they report a drastically lower credit score than the other 2 credit reporting companies, XXXX and XXXX XXXX. Equifax is also reporting a medical collection that has long since been resolved and retracted because of improper billing by the hospital and my insurance company at the time in the amount of {$990.00}. The result of this is that I have been denied a mortgage until it is cleared up and my report updated. They are causing me immeasurable financial hardship as well as making me look irresponsible in the eyes of the mortgage company and the people involved in this whole process. Recently I have been unable to even access my own reports due to their system being down and occasionally being told that they can not verify that it is me accessing my own report! How can a creditor access my report with only the last 4 of my social security number and a zip code yet I am unable to do the same by entering all the questions they ask to verify my identity?? Please help me!
I had a checking account with Bank of America that had been in dormantstatus for a number of years. My balance on the account had been close t {$0.00}. Without warning, they imposed a Monthly service fee of {$25.00}. 
I did not notice this until after the 3rd month where my current balancehad shown roughly - {$75.00} ( Negative {$75.00} ). I went to the bank and theywere unable to remove this. I closed out the account and it still showsa balance of - {$74.00} ( Negative {$74.00} ). 
I am asking for Bank of America to XXXX out my account at no costto me
I have been getting repeated calls from XXXX XXXX They are trying to contact XXXX XXXX, a person who used to have my phone number. Sometimes they call several times a day. I was told that the number is still listed to this other person, but it has been my number for over 2 years. I have asked them to stop calling. Sometimes when I answer the phone, no one will respond. I have an unlisted phone number, which I have requested from XXXX XXXX XXXX, that nobody be able to find my phone number in a phone book or on the internet. I am not the person they are trying to reach, and it is not my responsibility to provide them with my information. I would like the phone calls to stop.
Discover card claims to offer " Price Protection '' but the service is administered by a third party that is difficult to reach, long hold time, claims to not have access to account information so all information including address, purchase, contact information including email has to be restated to individuals with limited ability to spell and speak English. When contacting XXXX about the issues with the service provider they claim to have no access to claim information including if forms required have been sent The following is the correspondence from XXXX ; Hello XXXX, I understand your concern with the Price Protection benefit on your account, and not receiving the emailed forms. We want to ensure your feedback is heard, and you receive the most accurate response possible. For this reason your message has been forwarded to my attention. I 'll be happy to further assist you today. 

I assure you that it is n't our intentions to keep these benefits from you or make it difficult to take advantage of the benefit, as we strive to treat each cardholder as equally and fairly as possible while making it easy to take advantage of the benefits on your account. When an email is sent to you, it typically takes up to 72 hours to receive that email. Because this benefit is handled with our specialty team, we are unable to view these details or resend the forms through this line of communication. To ensure that you are fully taken care of, please contact our specialty team at XXXX, and we 'll be happy to further assist you. 

Thank you for staying on top of your account, and providing us with your feedback. I have forwarded this information to the appropriate parties within our company, and we will review to see if a change in our processes is prudent in the future. 

Best Regards, XXXX Escalation Manager DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners. 



-- -- -- - Original Message -- -- -- -- Date : XXXX XXXX, XXXX XXXX XXXX Subject : Re : General Inquiry [ # XXXX ] Message : I called the number regarding the price guarantee. I was told I would be emailed several forms for the various items. I never received them. Price guarantee is not why I got the card but because it was offered I tried to use it. Now I find out you make it impossibly difficult to use so it 's basically a worthless benefit. Offering something you have no intention of honoring is outright fraud. 

It has been over 72 hours and no email. Wasting hours of my time chasing down {$10.00} and {$20.00} price guarantee payments is not cost effective. Calling your XXXX number results in prolonged hold times. I can tell you what will be an efficient use of my time and that will be reporting your fraudulent business practices to the appropriate agencies. Your blaming the lack of fulfillment of your obligations on being unable to see details is the same excuse your specialty department used when filling out the forms that I did not receive in the first place.
I received a voicemail on XXXX XXXX requesting a call back from XXXX XXXX with Nationwide DMS and the number provided was ( XXXX ) XXXX with her extension. I did not call her back. The very next day ( less than 24 hours ) I received a call at work from her. I informed her it was my work number and she said she was aware but she was a debt collection company attempting to collect a debt and she was notifying me that they were pursuing legal action if not paid. I then explained I can not pay, I am in the process of retaining an attorney for bankruptcy. She then proceeded to tell me that these fees can not be included in a bankruptcy which to my knowledge is incorrect but neither I nor she is an attorney and should n't be providing that information. She was very persistent and made it seem like I must call her back today ( if I can pay or make payments ) or they will file suit in small claims court. I called her back a few hours later and she became irritated that I told her I could not pay. She threatened to revoke my drivers license ( this is collection for unpaid tow yard fees ) I told her my license was suspended for a XXXX and she laughed and said " that 's too bad '' and then began to harass me about my living situation. Asked if I lived with my mom, insinuating I do not pay rent and that I could pay the balance. Also said " Well you have a job do n't you? '' These allegations should not be coming from a debt collector. I felt harassed. She would not let me talk and continued to talk over me saying they are going to pursue legal action since I 'm lying about not being able to pay. She then hung up. I called back to talk to her supervisor, and I was unable to get a word in and she hung up again. I called the number she provided in her voicemail the day before to complain about her tactics. I filed a complaint with XXXX. I do n't know if that even would help. I also informed them to remove my work number from their file as it was a XXXX XXXX XXXX. I have never received any written documentation from Nationwide DMS directly. Only the creditor itself.
On XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX. At that time, my credit card with XXXX XXXX, opened in XX/XX/XXXX, had been reported as purchased by another lender, sold to another lender. The account had a last activity date of XX/XX/XXXX and a last reporting date of XX/XX/XXXX. 

Throughout this process, my credit was pulled on XX/XX/XXXX and XXXX XXXX was still reporting what was listed above. 

On XX/XX/XXXX, my credit was pulled and there was a change on how they were reporting. They changed the date of last activity to XX/XX/XXXX. The added remarks that this was disputed, which I never did. They then changed the account to being close in XX/XX/XXXX. If this account was sold to and sent to another company, then this debt should have been closed with them back in XX/XX/XXXX. The debt was settled immediately with the collection agency when I received notification. 

I would like for XXXX XXXX to change to update the bureaus immediately, as this account should not have had any changes to their reporting. Especially since they no longer held the debt.
XX/XX/18- 4 unauthorized purchases with my PayPal account totaling {$1100.00}. I reported this as fraud to PayPal and was given a case number. I was informed the amount would be refunded within 5 days.

XX/XX/18-I called PayPal. They informed me that the refund would be in my account by XX/XX/18.

XX/XX/18-Paypal informed me that the money was refunded to my card and to call my bank. My bank had no knowledge.

XX/XX/18-I spoke with PayPal. They requested the card number used and informed me that the refund would be made by XX/XX/18. XX/XX/18-I spoke with PayPal. They claim that the refund was sent on XX/XX/18. Again, my bank has no record. I called back to PayPal and they informed me that the money would be refunded to my card today and gave me a reference number. I asked to speak to a supervisor. They said one would call me. I received no call and no refund.

According to PayPal, the charges on my card occurred in XXXX. I have not received a refund nor have I received a call back from a supervisor.
Equifax collected personal and critical information on me and my family, and handled it carelessly. This information is now in the hands of criminals who can use it to inflict high monetary and psychological damages on us. Remedial actions are only partial, take time and money.
I have an XXXX XXXX FL account where i made a $ XXXX monthly payment I recently have been going through financial hardships and have been late on making on a few payments. I paid off what i owed every penny of it on XXXX XXXX 2017 but they have yet to close my account nor have they took off the missed payments and everything off my credit.
I continue to receive call from a company called CBE Group XXXX. The have left me voice mails telling me that they will issue a warrant for my arrest if I do n't return there call. They have contacted my family members and told them the same thing. They call my work and when I answer the phone they hang up. This is been going on for over a year now. The debt they are trying to collect on is from 2010 and was discharged in my bankruptcy in 2011. I have voice mails that I have saved on my phone and I have my family to testify to the calls that they have received. I spoke to them a few times and told them that this debt was discharged in bankruptcy but they keep calling.
SALE DATE SET FOR TUESDAY XX/XX/2017!!!!! 
A modification package was sent in on XX/XX/2017. Please see attached email confirming that information. The homeowner has a sale date set for XX/XX/2017. We have been contacting SLS on a weekly basis since that week. Each week they have asked for ONE thing. Homeowner has diligently complied with every request to the extent that a full narrative would not be productive. SLS is now stating they did not have the file 37 days prior to the sale date which is inaccurate. SLS is refusing to properly review the file and stated that they are foreclosing on the home. This complaint is being sent in for numerous reason. XXXX has been discriminated against based on his race, ethnicity, language and national origin. The number of times that we have spoken with SLS to check status of the file should extinguish any opportunity to excuse their behavior. 
The attitude from the employees and or managers in unacceptable. Furthermore, SLS does not know how to properly review the file. There is NO reason for this to be happening. The file made it to underwriting and they are STILL refusing to postpone the sale date. They are in violation of the CA homeowner bill of rights and are dual tracking. Today on XX/XX/2017 employee by the name of XXXX confirmed they are dual tracking. he stated " they are aware of California laws and are still foreclosing, '' Supervisor XXXX was informed of all issues and the fact that they had the file since XX/XX/2017, and refused to offer any assistance. The events described above are just a sample of the practices that are taking place with SLS. 
There are additional numerous issues. 
1 ) Failed to timely respond to loan modification applications ; ( 2 ) Failed to accurately inform what information was missing in order to process their loan modification application ; ( 3 ) Falsely stated the application was missing information that had already been provided on numerous occasions ; ( 4 ) Denied borrowers ' loan modification requests without an appropriate explanation ; and ( 5 ) Wrongfully threated foreclosure while a borrower 's application was still under review. 
We will be filing a complaint in district court if the sale date is NOT postponed.
The above mentioned account is being reported as a paid collection on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note or bill to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to and that it belongs to me. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the collection status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the collection status, correspondence sent to me regarding the collection action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter