WillisBack/dataset-financial-user-claim huggingface dataset:
Please do not assume this is a duplicate because it contains a different dispute and problem that I 'm having with Portfolio Recovery Associates. This company has been sued for their illegal actions FDCPA more times than one can count. They are on my credit reports for a debt that I do not owe. They lied about sending me any notice of the debt and continue to report unverified information on my credit report. I 've already taken action against them for calling my job several times after beining notified not to. They claim to have sent a notice to me concerning this, but will not answer a simple question as to where they sent the notice to. I 'm not asking them to verify that they know my name and social security number, especially given the incidents of identity theft in which crooks steal basic identifying information and open credit. This accounts does not belong to me. In order to open an account an application for credit would have been completed, drivers licence also. I 'm asking for any of that. Neither company can provide that because I have never applied for this credit.
I received a certified letter from XXXX XXXX on XX/XX/2016. They indicated that they were referred by our Servicer ( Bank of America ) to XXXX for Foreclosure action. My complaint is for XXXX XXXX to stop committing forgery to foreclose and to give us competent and reliable evidence. XXXX XXXX is violating the FCDPA and US Mail Fraud Statues by using deceptive means to collect. We have searched the Secretary of State for California website and they are not even registered to do business in California. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I need to remove the Fraud alert and credit freeze off my credit report ASAP!! 

I need the updates below done. I dont have a phone number on my credit report either. New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX My Phone Number : XXXX Please remove the the Alerts ASAP!!!!!
Forgive the tardiness of this complaint, but I just learned this week through reading the XXXX XXXX XXXX that the CFPB works with banks to resolve customer complaints. Until now, I did not know what recourse I might have for the fraudulent behavior of Wells Fargo Bank. 
In XX/XX/XXXX or XX/XX/XXXX, my partner and I refinanced our mortgage on a property we own in XXXX XXXX with Wells Fargo. We made a point to confirm that there were no prepayment penalties associated with this new mortgage. At the time, the Wells Fargo representative aggressively pushed a home equity line on us, even though we did not need it, want it, or ever intend to use it. Since he said it would cost us nothing, and he was so insistent, we reluctantly accepted it. 
In XXXX XXXX, we refinanced our mortgage again, but with a different lender. When it came time to close on the new loan, Wells Fargo refused to terminate our existing mortgage unless we paid a {$500.00} termination fee for " early termination of our home equity line '' - which we never used, and as stated above, never wanted. Both my partner and I communicated our complaints to the appropriate people at Wells Fargo - to no avail. Since we did not want to jeopardize our new mortgage application with the new lender, we paid the {$500.00} to Wells Fargo. 
We believe that XXXX XXXX, " Home Mortgage Consultant '' at Wells Fargo at the time, fraudulently induced us into accepting the untapped home equity line. We would appreciate any help that CFPB can give us to persuade Wells Fargo to refund the {$500.00} termination fee to us. 
I have attached a copy of the Wells Fargo payoff demand dated XXXX XXXX, XXXX and our email correspondence on XX/XX/XXXX and XX/XX/XXXX with various employees of Wells Fargo ( including XXXX XXXX ) regarding this issue. Please note that my name and that of my partner are listed as " customer '' on the payoff demand statement and that both of us corresponded with Wells Fargo in the attached email thread. 
Thank you for your consideration.
Dear CFPB. I am writing you in regards to my current housing and income situation, as I am on the verge of becoming delinquent within months on my mortgage. Years ago, I ran into similar trouble, and my XXXX mortgage holder put in place a permanent modification which I still have today, with out asking me to first go delinquent. My XXXX trust holder provided a temporary solution in place which the interest rate has since increased last year and again next month. My loan is now owned by a different servicer, Ocwen. I also no longer have the same job and am with a new company since XX/XX/XXXX, taking a significant pay cut. My wife also begins school next month, which I took out a loan from my XXXX to pay for the first year. At the same time, we are still paying for a large medical expense for her. As a result, I filed the necessary paperwork for a loan modification, as I wish to keep our home and continue paying on time. I am on time now, but unfortunately that will soon change as I exhaust all funds. We are living check to check and by credit cards now. 

My current loan servicer is Ocwen. On XX/XX/XXXX, I completed the application for mortgage assistance and sent it electronically by close of business. On XX/XX/XXXX at XXXX, I received a call from Agent XXXX at Ocwen. Truly, I am not sure why he called as he spoke about payment options if I wanted to apply for a modification. I told the agent I had already applied. He said " oh, let me check on it. '' The agent told me that I was already denied because I did not meet the criteria to include being delinquent on my home loan. I told him I do not want to go delinquent and was instead seeking assistance in advance of that occurring. He then told me I was " twisting his words '' and that he never told me that I needed to go delinquent and that was only the investor 's guideline. I asked for the investor 's information and he replied he could not provide me, but would email it to me within 2 business days. I asked who I could I contact if I do not receive and was told " no one, but I will get it. '' I then asked to speak with the agent 's supervisor, which he chuckled at quietly, not realizing I heard him and apologized after I mentioned it. After holding for several minutes, the supervisor joined the call ( Agent XXXX ). I briefed her on the poor treatment I received from her agent, she apologized, but stated since I was not delinquent it was apparent I could make the payments. I responded by asking if she had looked at modification application, as she would have saw the XX/XX/XXXX job change and most recent pay stubs. She stated there was nothing she could do. 

I truly need the CFPB 's help to save my home. My income has decreased, my interest rate is rising, my bills are not going away, and I running into high credit card debt. I do not want to walk away from our home and wish to exhaust every chance to keep it. 

Thank you for your time and consideration.
On this day I received an email from " Experian '' dated " XX/XX/2018. '' It inaccurately stated that my " Federal Student Loan '' was labeled now as " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' in its entirety ).
I have never ordered any product from this company, I have never lived at any address in which it was sent, and it is included in my police report detailing the fraud that has occurred. Please review the attached documentation ( ACCOUNT EIGHT ).
I have suffered severe hardships that have led to me falling behind on my mortgage. My hardship began when my ex-husband basically abandoned me and my son XX/XX/XXXX-this led to our divorce in XX/XX/XXXX. My ex-husband was the main income earner for my family and after he was fired from his job of almost 10 years we started to have problems with paying bills. When the divorce was finalized I was awarded this home and spousal and child support. Due to him losing his job that support stopped for me and my son, making the mortgage payment unaffordable for me. I receive XXXX for some debilitating conditions and in XX/XX/XXXX I was diagnosed with XXXX. The diagnosis as debilitating as it is, has not stopped me from doing what I needed to do to keep my home. I wanted to keep my son in his familiar neighborhood, that has proven to be a challenge for me. I have been appliying for mortgage relief with Nationstar for years now. I have income to prove, I can afford a mortgage payment but have experienced nothing but difficulty in the review of my options. I was even foreclosed on back in XXXX of this year, another error by Nationstar, that was corrected via them rescinding that sale. I was told they would work with me on a HAFA short sale, I desperately need relocation assistance to move my young son and my mother that is now in XXXX. I listed my home as instructed by Nationstar with an agent that presented an offer to them for consideration, this was all before any new sale date was set on my home. Nationstar working against me set a sale date on my home and are now using that sale date against me, refusing to proceed with reviewing everything I have given them. It is painful to come to terms with having to let go, now I must also face being forcefully removed from my home of almost 15years! I have worked tirelessly with this company, I am not trying to delay anything
Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX  me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they  closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please
I have tried numerous time disputing hard inquiries with Transunion. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Transunion with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Transunion refuses to delete them from my file.
I Have 2 complain against Statebridge Mortgage company : 1 : my loan is due on the XXXX and past due after the XXXX, I get calls some times 3 times a day including Saturday and Sundays after XXXX of the month telling me my loan is late and must be paid immediately. I have called and wrote to them several times and this practice has not stopped. For your information I pay my payment on the XXXX and never been late on this loan. 2. Their on-line payment does not confirm if you have paid and if you accidently pay more than once, they will not cancel the additional payment even though still has not been processed.
NAVIENT is always changing the amount due on my student loan. On XX/XX/2017 I talked to customer service since we have been receiving phone calls and emails about the payment not being made. However, I got a bill from NAVIENT saying the payment is not due until XX/XX/2017 in the amount of {$230.00}. NAVIENT customer service said they made an accounting error and that is why they are trying to collect more money. I should be getting accurate statements and payment due dates from NAVIENT. Additionally, NAVIENT should not be harassing me due to their own accounting errors. NAVIENT says we now owe {$400.00} for the month of XX/XX/XXXX even though my bill says {$230.00} is due by XX/XX/2017.
A hard inquiry was reported from " Thd/cbna '' on XXXX XXXX, 2017. I called Citi Theft Solutions through the Home Depot. They were supposed to remove the hard inquiry. To date, this has not been removed.
Per Texas law, this company is required to provide proof they legally own this debt. All I continue to get is portion of statements. This is not proof they legally own this debt to be able to collect. I will be filing a compliant against them with the XXXX 

Also, this company has also failed to disclose all the names they are known by or formerly known by to me. This is also a violation of Texas law. 

Texas Fair debt collection practices. 

Texas Fair Debt Collection Practices Act 392.304. FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.- ( 2 ) failing to maintain a list of all business or professional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector ; Under the Texas business and commerce code I was not provided proper notice of this debt being sold to this company nor do I have a contract or any other obligation to this company. 

Texas Business and Commerce Code - BUS & COM 9.611 through 9.613.
This account was satisfied with the creditor XXXX XXXX XXXX ) the collection agency was XXXX XXXX XXXX, it was deleted back in XXXX of the current year. I am in the process of buying a house and I come to find out that the account shows up on my Experian report not only did my score go down, my interest rate being offered is higher and I can not buy my house until I get this issue resolved. I need this account deleted ASAP. I am submitting proof of deletion from other bureau.
This complaint is against several institutions ... I had the bad Countrywide XXXX XXXX & HELOC home loans that were at the center of the financial crisis. I was wiped out in XX/XX/XXXX & fought to hold onto my home with countless refinancing attempts .The servicing was taken over by B of A. I was able to modify my XXXX mortgage but not my HELOC which went into foreclosure XX/XX/XXXX. I worked tirelessly to get a payment I could afford with no assistance and had to file Bankruptcy to stop the foreclosure. I ended up having to sell my home which closed escrow XXXX XXXX ... but the nightmare continued. B of A held the payoff funds ( over XXXX ) for 6 weeks for some reason, during that time they sold the loan to XXXX who kept trying to collect mortgage payments from me saying I was behind and they were going to begin foreclosure again, the funds went missing, B of A wired the funds to XXXX with the incorrect account #, XXXX sent it back to B of A, B of A sent it to the title company, who sent it back to B of A, who sent it back to XXXX who wanted more than the payoff amount. This went on for 2 months without anyone taking responsibility for it. It was an absolute disaster. I finally found a department at B of A who would complete the transaction. No one even apologized for the incompetence. I 'm sure my experience with these big banks in not unique but I felt powerless against this system. They held my life ransom for years and I want retribution. In XX/XX/XXXX I joined a XXXX lawsuit XXXX vs B of A which is still and active suit & paid over XXXX to a firm XXXX XXXX in California who has just been shut down as fraudulent and now all of the plaintiffs are without an attorney to protect us. It feels as if the consumer just continually left holding the bag ... We have no power or rights. It 's been devastating.
I was approved for the Chase Sapphire Reserve card on XX/XX/2016. I applied for the card because I had upcoming travel XX/XX/XXXX and XX/XX/XXXX, and wanted the " Priority Pass Lounge Access '' which is stated as a benefit on the Chase website : " Access to XXXX+ airport lounges worldwide with complimentary Priority Pass Select membership. '' Hidden in the terms of service, Chase explains that you must " activate '' this benefit first on their website. After learning this, I activated the benefit on XX/XX/2016 and was told I would receive a card in 2-3 weeks. The Priority Pass card never arrived, so I followed up with Chase Customer Service and was told another card would be sent. Two weeks later, I have still yet to receive this card and I am unable to take advantage of this benefit. 

Chase 's website and terms of service do not disclose that card members may experience a significant delay in their ability to access this card benefit. As such, I believe their website is misleading potential card members to think that this benefit will be immediately available after " activating '' their Priority Pass membership online. 

The terms simply state : " Complimentary Priority Pass Select Membership One time activation required. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select network. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges, please visit XXXX. ''
NCS debt collection violates FCRA by furnishing outdated account information and misleading the credit reporting agencies which in turn continue to report derogatory consumer information. 
NCS falsifies the information to re-age the account to continue to report it as negative while it well passed the seven years a timeframe allowed for such reporting. 
NCS failed to validate the account details and fraudulently changing the dates. 

Specifically, the account in dispute, which was put to collection in XX/XX/XXXX after a short sale ( aka " charge off '' ), continues to appear in credit history NOW, 11 ( eleven!! ) years after as negative and derogatory record despite seven ( 7 ) years allowed by FCRA. 

In response to consumer 's request for investigation NCS intentionally failed to properly validate this debt DATES but intentionally furnished CRA with false information about dates of last payment from XX/XX/XXXX to make it appear 'NEW '. Due to such illegal purposeful manipulation this debt renewed and set to disappear from the cred report in XX/XX/XXXX - that is 12 ( twelve ) years from the original collection. 

Such misleading and fraudulent practices on behalf of NCS is a direct violation of Fair Consumer Reporting Act. This practice of reporting an outdated negative information must be promptly investigated and stopped immediately.
I 've been repaying on my student loan for over ten years now, it 's been transferred from one vendor to the next. However, it started with XXXX, which is now Navient. I heard about the lawsuit, and have been persuaed into going into forberance on mulitple occassions.
I payed off my credit card and the account is closed.Chase is giving me the run around about refunding my overpayment of {$290.00}
Although I have been paying on my student loans since XXXX, I've noticed that the balance of same has not gone down that much. In XXXX, I filed for chapter XXXX bankruptcy ; however, my Navient student loans were included in the repayment plan. Since the discharge of my bankruptcy in XXXX, I have continued to pay on time, the full amount of the loan. During that time, I noticed that the loan payments were broken up and then without notice, they were added back together. This, in my opinion, was in an attempt on Navient 's part to charge more interest. Since XXXX, the amount owed for my student loans has barely changed. I addressed this with the customer service and was only told that the interest is charged up front.
2nd complaint. 

I have sent in XXXX requests certified mail asking for Collections Consultants Of California to:1. Prove that the debt is mine and have yet to receive any validation. 


2. I have also requested a HIPAA authorization askingThey have no right to " subrogate '' ( substitute ) themselves into a medical related contract, whether it is by purchase, assignment, transfer, or trade. If they " bought '' the debt, they did it on their own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).
I was not aware I had outstanding medical bills since My daughter had state insurance at the time. Since the accident, XXXX months passed and I never received a medical bill, or collection debt. I found out thru my credit report since it change dramatically due to collection that I was never aware of. They ruined my credit without my knowledge or notification of a debt. How can they ruin people 's credit without the opportunity for payment arrengments?
On XX/XX/2018 I sent a certified debt validation letter to XXXX XXXX XXXX  and havent received any debt validation from this company and its been well pasted the 30 days. This company has put this debt on my credit reports without validating thats its mines.
Summary : XXXX XXXX was negligent in the handling of XXXX XXXX forms needed to have tuition payment submitted to the accounting department within a timely manner, which ended-up having them take a strong collection against me and utilizing a collection agency that is not licensed in Florida where I reside ; over an incident that occurred during the fall of XXXX. Additionally, the business office of XXXXXX/XX/XXXX is now, which I believe, is trying to cover-up that collection because they submitted to XXXX XXXX on XX/XX/XXXX the deferment letter I sent to them during the fall of XX/XX/XXXX, which was a requirement of XXXX XXXX. The representative, XXXX XXXX, Recovery Specialist Business Office, Direct Line : XXXX, called me on XX/XX/XXXX to let me know that she was authorized to reduce my debt by {$200.00} off the {$1900.00}. She also stated that she would call-back XXXX  XXXX XXXX to avoid any further collection from them. As of XX/XX/XXXX, my collection report shows that the balance of {$1900.00} is still being reported by the collection agency, with a new update on XXXX that was reported XX/XX/XXXX. 

My earlier conversations, which extend back more than a year or so, have argued with the business office that I was demanding the school take responsibility for the mishandling and negligence of my XXXX XXXX Form that would have allowed the school to receive payment for the Fall Semester, especially when there was money available on my XXXX XXXX account. The school refuses to admit fault. 

On XX/XX/XXXX, a call was placed to XXXX at XXXX XXXX, which I had left a message on her voicemail with my findings on how I thought it was odd that her department would send over the Deferment letter to XXXX XXXX on XX/XX/XXXX. I also stated that the collection agency was still reporting and that I was now going to file official complaints against the collection agency and the school for their inappropriate handling of my account and the hardship the collection agency is doing to my credit file.