WillisBack/dataset-financial-user-claim huggingface dataset:
Called twice this week, from National Enterprise Systems, a debt collection company, and a computer generated voice directed me to to call back at the phone number XXXX XXXX. 

Same company called next day, but a different phone number and extension was given XXXX XXXX. 

I do not have any outstanding debt. I have not responded to the phone calls. This is a computer generated voicemail, and I consider these calls harassing in nature.
I have held an XXXX XXXX account with Merrill Lynch for over 35 years. The bank has now indicated that it will close this account. As I am a non-resident this will involve be in substantial loss as I will have to pay tax at the rate of 55 %.
The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXXfor {$400.00}, which apparently covered myXX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXXand only covered XX/XX/XXXX because of the alleged returned payment. The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXX being 30+ days late on XXXX and XX/XX/XXXX being 30+ days late on XXXX and Equifax There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. XXXX has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXXThis payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX.

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXXand XX/XX/XXXX Payments. XXXX   shows 30 days lateXX/XX/XXXX andXX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX  has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
My late mother passed away a year ago. She left a creditcard with Banco Popular of Puerto in her name with a high balance. The credit card division has filed a lawsuit demanding payment. My Attorney XXXX XXXX XXXX has approached the credit card division of the bank and negotiated an agreement to pay off the outstanding balance from {$38000.00} to {$24000.00}. My surving father has two CD 's which add up to more than {$100000.00}. My Attorney suggested to the bank that one of the Cd 's be cash and the monies be applied towards the outstanding balance. The people at the consumer division of the Banco Popular refuse to do this. Neither I nor my XXXX sister have that kind of money. Could you folks please help me with this problem? I have dealt before with the bank 's Attorney XXXX XXXX XXXX XXXX at the banks legal division at XXXX ext. XXXX. I think the solution suggested makes common sense. Thank you for all previous help and may XXXX bless all of you! 
XXXX XXXX XXXX XXXX
I obtained a home mortgage through XXXX several years ago. My mortgage was recently sold to Nationstar mortgage. I received a notification by mail that Nationstar will share my personal data such as my social security number and income, my account balances and payment history, and my credit history and scores with other business for marketing and information purposes and I can not opt out. This is a company that I did not choose to do business with. I do n't want my personal information shared by a third party. I do not believe that this should be allowed. Please advise.
An account was opened with XXXX XX/XX/XXXX it was then forwarded to XXXX for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as well as XXXX and XXXX. This debt was removed from my credit report by XXXX on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the Freud department which I did. I received an email from a XXXX XXXX explaining what she needed to prove the account was Freud, proof of residency, I.D police report etc. I gave XXXX XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX XXXX.at this point It believe XXXX knowingly opened a Freud account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at
I submitted a Complete short sale package/Offer for {$28000.00} on XX/XX/2016. Ocwen/servicer for the note for XXXX of XXXX sent a denial on XX/XX/2016 that stated the offer was too low. I sent an Increased offer the same day XX/XX/2016 for {$290000.00} which is closer to the BPO amount of {$330000.00}. On XX/XX/2016 Ocwen sent another denial letter stating the offer was too low and to submit a higher offer. on XX/XX/2016 i submitted an offer of {$310000.00} and then again a full price offer of {$330000.00} the same day in case they denied the higher offer and yet again on XX/XX/2016 they denied the offer due to a confirmed sale date set for XX/XX/2016. I feel that Ocwen has been purposely been delaying this short sale approval as they have been servicing this loan for well over 5 years for the purpose of continuous servicing fees to the note holder. This is unfair and should be looked into and the home owner is in complete shock as to why they would continue with a sale while we are in final stages of negotiations. This truly makes no sense?
Discover Bank sent me a {$75.00} check as part of the settlement they reached regarding student loans. I deposited the check into my bank account electronically only to learn that Discover Bank had stopped payment on the check they sent me. I incurred a {$5.00} returned item fee due to a check that Discover Bank either ( 1 ) made in bad faith, or ( 2 ) should not have sent me in the first place.
I actually have no knowledge of this account. A letter was sent to XXXX XXXX requesting that the debt they assume I owe be verified. They notified me through mail stating I am responsible for a {$1200.00} bill from XXXX. I was sent a bill as a validation of this debt, but I need an original validation identifying my signature stating I had an account with the company. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit.
I wanted a pay-off quote for my mortgage loan with Freedom Mortgage ( Loan # - XXXX ). So I went to their website and logged into my account to see if I can get it online. In their FAQs section they mentioned the process as below. 
-- -- -- -- -- -- -- How do I request the payoff amount for my loan? 
You XXXX contact our Customer Care department at ( XXXX ) XXXX to request your payoff amount. Freedom Mortgage Customer CarXXXX representatives are available to assist you Monday through Friday from XXXX XXXX and Saturday from XXXX XXXX Eastern Time. You may also send a request to XXXXXXXXXXXX or mail to Freedom Mortgage, XXXX. XXXX XXXX, XXXX, IN XXXX. 
Please be advised, we are not able to send a payoff quote to a third party without the borrower 's authorization. Please ensure the authorization is provided at the time of the request. 
-- -- -- -- -- -- -- So I sent an email request on XXXX to the email address mentioned above. There was no mention of any fee for this payoff quote request in their website. 

Since I did not get response, I called the Customer Service number provided above on XXXX and asked for Pay-off quote. The agent said they are working on it and I will get in couple of days. There was no mention of any fees for this payoff quote request during our conversation. They can check the call recording. 

On XXXX I received the payoff quote by email and in that email also there was no mention of any fee that would be charged for requesting payoff quote. 

On XXXX when I checked my Freedom Mortgage online account in the website, I see that there was a {$30.00} fee that was charged towards this payoff quote request. 

This is extremely unfair to charge me a fee when there was no indication on the website or I was told about this when I spoke with the agent on XXXX. 

I called Customer service on XXXX and they said they can not revert back the fee. Why should I pay a fee that I was not told or disclosed to me earlier? I feel deceived by Freedom mortgage charging fees without my knowledge and they told me it was because of XXXX XXXX charging Freedom mortgage. So how will I know what other third parties charge to Freedom and then I have to take the hit on this? There is no transparency and this is cheating borrowers. 

I would like CFPB to look into this compliant and have Freedom mortgage revert back the {$30.00} fee.
I recently found out due to signing up for a credit wise which shows and helps with your credit report that on XX/XX/2015 with a past due balance of XXXX my now ex partner opened a XXXX account in my name without my knowledge. He told me that the account was in his name and to also that the account had been paid in full bc I knew he had been behind on a payment before when we moved back to our home state. I found that this is not the only derogatory account he lied about being in his name when in actuality it was in mine. I dont feel that I should be held responsible and that he should have to take responsibility for his actions and transgressions. And unfortunately I am the one who is dealing with the repercussions of his irresponsibility. Thank you and hope to hear back from you
My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to Ocwen Loan Servicing. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially reported as default by XXXX  XXXX XXXX in XXXX XXXX. The delinquent status on the mortgage account would have matured in XX/XX/XXXX, seven years has passed and this mortgage account is still being reported to XXXX. Ocwen Loan Servicing has submitted fraudulent documents to XXXX  in the investigation of this mortgage account. Documents from XXXX  XXXX XXXX to contest Ocwen Loan Servicing will be submitted. 

XXXX  allegedly conducted an investigation with XXXX XXXX XXXX. XXXX  was reporting the account being as being charged off. I disputed this claim. I contacted the XXXX XXXX XXXX and did my own investigative due diligence and obtained an Obligation Summary letter on my account which actually had a credit of XXXX. Documents from XXXX XXXX XXXX to contest XXXX  credit reporting will be submitted.
XXXX  bills ahead of actual usage. they billed me on  XXXX   XXXX ,  2017  {$17.00} for service to be provided for the period  XXXX   XXXX  to  XXXX   XXXX ,  2017 . I canceled service on  XXXX   XXXX ,2017, so I did not owe them {$17.00}. On  XXXX   XXXX ,2017 I received a request from I . C Systems coll ection agency requesting I pay the {$17.00} that I did n't actual owe. Is n't it illegal and fraud to try to collect money not owed. it should be a crime.  XXXX  could ruin my credit.   Should they be allowed to use a collection agency before checking whether the debt is owed? The Federal Government needs to make  XXXX  change their practices and punish them for fraud.
We obtained a loan with Nationstar Mortgage LLC. A Deed of Trust was recorded on behalf of Nationstar in relation to that financing ( on or about XXXX XXXX, XXXX ) ... but on XXXX XXXX, XXXX there was an additional Financing Statement recorded on behalf of Nationstar. Please see attached preliminary title report. We are now trying to refinance with a new mortgage company and can not get Nationstar to release the UCC # 3 document which would release this XXXX lien they recorded on our property. We believe that they mistakenly or fraudulently placed this XXXX lien on our property. We have tried to obtain the UCC # 3 document from Nationstar since XXXX XXXX, XXXX. We have contacted them numerous times by phone and email and they give us no reason why they cant give us the UCC # 3 document or why the lien was even placed on the property. The individuals that we have been in contact with are no longer answering our requests. No one will call us back and no one seems to know what is happening with our request. In other words, I feel like we are getting the run around from Nationstar. More details can be provided if necessary along with names and email addresses of those individuals we have been dealing with.
I have sent plenty of letters asking this debt collection agency to verify my debt they will not respond to me.
I was called back in XXXX about a debt that I supposedly own by central portfolio control. The caller left a message but did n't state what the debt was, who I owed the debt too, and then failed to send a letter of verification of said debt after 5 days of first initial contact. Central portfolio control then called Monday XXXX XXXX and still did not tell me they were a debt collector or the debt they were trying to collect.
This is the 2nd complaint regarding this illegal situation. Citibank has placed a block on our Living Trust account, negligently again without formal communication from them. Also from my last complaint, Citibank submitted documents showing that they sent the documents request to an address where we haven't lived since XX/XX/XXXX but yet current statements reflect our correct address. Since my last complaint, I received a phone call from a XXXX XXXX from the XXXX XXXX XXXX XXXX Branch in XXXX XXXX XXXX. She asked me to fill out the documentation that was requested from me by their Know Your Customer Department ( " XXXX '' ), which I did and submitted directly to her on XX/XX/XXXX via email. The matter was supposed to be resolved. 

XX/XX/XXXX - My wife attempted to make a transaction using her Citibank debit card. The transaction was denied. She called me and asked me to find out why her transaction was denied. I called and spoke with a representative who then confirmed that the account was blocked by XXXX. They then transferred me to them and after an half an hour hold time, they informed me that they haven't received the documents that I submitted to XXXX XXXX. I informed them that I submitted those documents, as per their instructions, to XXXX XXXX in late XX/XX/XXXX. I asked them to remove the block and they informed me that they couldn't remove it until they receive those documents. Shortly after, I called the branch to where I was transferred back to their regular customer service number and then I was able to speak with XXXX XXXX. I informed her that XXXX has blocked the account again because they haven't received the documents I submitted to her. She confirmed to me that she submitted documents. I asked her twice, via email, for an update and the last communication was that someone in XXXX has confirmed that they have the documents and are working on removing the block. 

XX/XX/XXXX - My distraught wife called and spoke with a Citibank Customer Service to ask for the status of our account and if the block was removed. The block wasn't removed and she was transferred to XXXX who claimed that they don't have the documents which is contrary to what XXXX XXXX reported to me. This is crippling us and has put us in an embarrassing situation where we have to ask family and neighbors for financial help because of their negligence.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} Terms : High Balance : {$5000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : ACCOUNT TRANSFERRED OR SOLD CHARGED OFF ACCOUNT
I voluntarily gave my vehicle back to the company that was financing it after year you 're not really responsible for the debt is really been three years and I do n't know how do you can take XXXX points when you volunteer to give the car back from my credit report how can you XXXX come up with this
My mortgage was due on XX/XX/2016. I was behind due to illness from family and was working overtime to pay. I just got paid on XX/XX/XXXX and was behind in utility bills, so I paid those bills and with next paycheck to be directly deposited on XX/XX/2016 I was going to pay my mortgage. To my surprise Navy Federal went into my checking account and debit my mortgage payment, without authorization from me or my husband. When I called the about it, I was told if my mortgage was 16 days past due, they had the right to go in and take my funds from my account, with no notification. Told me they had control over funds in my account and my account could be frozen with no access granted. I have been struggling to pay, but have paid. This will result in my other bills not paid, like utility, food. I could not believe they would do this, without authorization.
Hi, I applied for a Wells Fargo Platinum card requesting a {$16000.00} credit limit and {$11000.00} in balance transfers. After my application was submitted, Wells Fargo responded with an offer for the card with a {$7500.00} credit limit and smaller balance transfer amounts. I didn't want those terms, so I refused to activate the card. However, Wells Fargo still processed a balance transfer for a lesser amount that I did not request or want, charging me {$210.00}, and debited the card I had not activated. 

I called and spoke with multiple people, but no one could explain why a balance transfer for an amount I didn't request was made on a card I didn't activate. The company said I could request a refund after I re-transferred the balance back to my old card, incurring another nearly {$300.00} in transfer fees from the other card.
I am in a five year XXXX at XXXX.I am XXXX through my thesis year. Recently, I am being harassed by my student loan provider ( Navient AKA XXXX XXXX ) to make payments IMMEDIATEY regarding XXXX of my student loans. The amount their asking is XXXX of my monthly income ( before taxes. ) They refuse to adjust the payments, saying that the payments are already " so low. '' I have requested that they apply in-school forbearance and they responded that I should have read the fine print, which says that " in-school is only 48 months. '' Dude, I was n't even legally an adult when I signed those papers. I got no warning over the summer that my payments would due soon, which is the time when I could have saved for or attempted to pick up a second job. I only get calls when they want money. They call every day, even though I am not even thirty days past due. I am actively paying tuition so that I can even graduate in the spring, and paying XXXX XXXX {$100.00} a month. I ca n't do anymore than I am already doing and still expect to get any value out of all this education. The only option that they gave me was to pay a {$100.00} fee to get a one month forbearance. 

I 'm so stuck and frustrated and they wo n't even treat me as a person. It 's like talking to a robot who only sees you as a bank account.
Just received a phone call from phone number XXXX which is recognized as National Credit Adjusters. 

I submitted numerous complaints via the cfpb online complaint submittal for acknowledgment of these harrasing calls to a place of business. This is my place of employment and we have a policy in place for no such calls to be verified or answered by creditors.
On XX/XX/2015 my mother was killed in an auto accident. and at that time we did not know of any debt on my mothers behalf. After the funeral I became Executor and began to check my mother 's mail and affairs. After calling all debtors companies and resolving those debts " Credit Bureau Systems Inc. attached a proof of claim to my mother 's estate in district court. they would not call me back after several attempts to contact them to resolve this matter of debt. My mother had no banking account, and live in a home that did not belong to her. I 've talked to the other family members and we can not pay the amount. please inform me on how to take care of this.
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. 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. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Ocwen Loan Servicing dishonest employee XXXX XXXX DOES NOT properly investigate consumer complaints, her position is to deny any wrong doing to cover up the pretender lender loan servicer 's abusive loan servicing practices. We will address this issue in court with evidence. On XX/XX/XXXX, dishonest opposing counsel XXXX XXXX responded to my ( " CFPB '' ) consumer complaint honoring my request for Ocwen Loan Servicing and its dishonest employee XXXX XXXX to CEASE AND DESIST ALL COMMUNICATION WITH ME. On XX/XX/XXXX, Defendant troubled Ocwen Loan Servicing and defendant dishonest employee XXXX XXXX are guilty of violating my CEASE AND DESIST ALL COMMUNICATION DEMAND. Dishonest employee XXXX XXXX violated my CEASE AND DESIST DEMAND by directly communicating with me in writing failing to properly direct my consumer complaint to its dishonest opposing counsel so he can directly communicate with my attorney of record. On XX/XX/XXXX, dishonest opposing counsel responded to my ( " CFPB '' ) consumer complaint denying any such CEASE AND DESIST ORDER, once again, attempting to shift the blame on the plaintiff. We will address opposing counsel and XXXX XXXX troubles in court.