WillisBack/dataset-financial-user-claim huggingface dataset:
At closing XX/XX/XXXX of my refinance mortgage, I signed papers that said my new escrow account would be pre funded, that my first payment would be due XX/XX/XXXX and that my loan would possibly be sold, loan funded XX/XX/XXXX, maid check for XX/XX/XXXX Payment To XXXX XXXX XXXX, t but my mortgage was supposed to be deferred for 2 months XX/XX/XXXX, XX/XX/XXXX, but I signed the paperwork agreeing to a XX/XX/XXXX payment, out of lack of knowledge to the loan process. Mid XX/XX/XXXX I get a letter from new loan servicer, and owner /purchaser of my mortgage, freedom mortgage saying to stop all payment to old mortgage company XXXX XXXX XXXX XX/XX/XXXX but I had already mailed my check and XX/XX/XXXX the check i sent was cashed even though I gave plenty of notice asking for it to be forwarded, returned to me, or destroyed, see attached documents, and I was asssred it would be forwarded to the new loan owner. It wasnt, and wasnt reported, to my credit, or to the irs, except for the escrow amount included in the Payment which was forwarded as a cushion payment to the escrow account but In Truth no money was forwarded to fund the escrow and the $ sent over, that was applied to my escrow.was takin from my XX/XX/XXXX payment.that wasnt due to XXXX XXXX XXXX see attached documents, And the rest of my Payment wasnt subtracted from the loan principal it basically disappeared. No accounting of it, and still no payment to my escrow with the money estimated and takin from my closing, but when I got a wrong XXXX mortgage tax documents, I complained and it was adjusted, with a letter, from XXXX XXXX XXXX and freedom, apologizing for my experience with XXXX XXXX XXXX the first loan holder. Yet to this day the escrow account hasnt had the money, takin at closing aplied nor had my principal balance been corrected, and when I was told XX/XX/XXXX the was the last day XXXX could collect on payments, I never got the check or refund back, and the title company was instructed to pre fund the escrow, but ( according to XXXX XXXX ) the agent  at the title company, the old loan holder, got the money for the cushion,, and they didnt forward the money to new company.. see attached documents, also freedom and XXXX have tried to send me new documents, once I caught the mistake, and change the wording in there disclosure letters I will attach those at a later date, this whole process has been going on this long because Im a XXXX veteran both companies are aware if that, Ive been discriminated against, Ive filed complaints with the XXXX act, and with the veterans administration , as XXXX XXXX  XXXX attempted to sikence me by contacting the va and using my XXXX againsnt me saying I was harassing them and there stuff when I. Truth I was only asking legitimate questions and I got no answers so I got legal advice and i am basing my persistent validation of all XXXX based on information Ive been given, the evidence and proof is undeniable, and I couldnt get back to this any sooner as Ive also had a XXXX XXXX over the XXXX  from All this.
I would like to reiterate to both the CFPB an dot EQUIFAX that A ) XXXX Loss and B ) XXXX XXXX Bank have had NO activity/and or Payments from 2008! They refuse to adhere to the law and remove these XXXX accounts. I have bought these XXXX accounts to XXXX and XXXX and they have both REMOVED them due to their 7 year NO activity policy. That is in inc with FCRA law. The accounts have been reporting to my credit report for over 9 years now and they refuse to delete them for some strange reason. EQUIFAX HAS INFURIATED ME BY REMOVING ALLLLLLL PAYMENT HISTORY so that anything i saw or claim can not be verify. It is plane, according to my credit monitoring that BOTH of these accounts have HAD XXXX payments made in over & YEARS! How is is that they are legally still reporting it. 
I DO NOT WANT TO BE TOLD TO STAND DOWN ON XXXX XXXX ACCOUNTS ANY LONGER! I have found that Equifax is very inaccurate in the way that they report my information and i have spent the last year fighting every little detail i can fine. 
XXXX XXXX & XXXX are illegally reporting to my credit report. They must be deleted!
I have called a few weeks ago about a phone call I received from a collection agency that was claiming I owed money. However, I did not recognize the debt mentioned, neither they have all my personal information. Now, I received a letter from Northland Group Inc, claiming XXXX from XXXX account. Reference # XXXX. They included a claim of XXXX XXXX, XXXX account, which I do not recognize either. I am not sure what this letter is about, but I do not ( and have not ) hold an account with this XXXX group ever before.
XXXX XXXX XXXX XXXX attempted to foreclose om my property when my first mortgage is current, i dispute owing XXXX XXXX XXXX XXXX any amount and the assignment that they are using to foreclose, i feel is fraudulent and clearly robo signed. XXXX XXXX XXXX XXXX has yet to respond to my notice or qualified written request.
I applied, was given XXXX choices in writing to 'lock in ' my mortgage rate on XXXX/XXXX/2016 1 ) I chose the {$1800.00} rebate %, the 'middle ' choice 2 ) AFTER I paid for the appraisal and incurred other closing costs I was told the 'rebate ' would be only {$300.00} 3 ) I complained and was told I could start over with a higher interest rate and another 'promise ' of a 'rebate ' in writing on XXXX/XXXX/2016 This is n't a choice, it was leveraged theft. If I started over I could be out more than the {$1500.00} they were taking from me. 
I closed on the refinance and am now complaining. 
XXXX XXXX
During the time period of XX/XX/XXXX - XX/XX/XXXX an apartment lease was opened in my name. This person lived there for 5 months, never paid 1 dime of rent and then left the premises I have lived in the same house with a mortgage since XXXX. I contacted Pro Collect and they will not accept the proof I have provided, which includes utility bills and cable bills showing my proof of residence at my home. The collection manager uses no common logic and will only repeat that I need to provide proof, but will not provide me exactly what she needs in order to resolve this. 

The application was signed online so there is no signature and simply is not me. Im not saying they didn't use my ID or a ID created with my information. 

This company is living in the stone ages and does not realize how crafty identity thieves can be. They claim to have proof by saying my ID is on file, but in the course of my living in XXXX I have lost my wallet and can only imagine what else its been used for. I have provided the FTC report and numerous documents. No matter what proof is provided they will play hardball and try to get you to settle.
My issue is with transwold system inc, they pulled my credit, and made repeated telephone calls to my current and previous cell phone numbers. I dispute the debt and I 've asked for them to validate the alleged debt with documents show their company name. And that has n't been done. They have n't produced documentations to show where I 've gave them direct permission to be calling my phones either home or cell. Plus, there are several inquiry on my credit report. And the debt is dated in late 1980 's. I did n't remember signing any loan for school.. Plus, I did n't even had a cell phone in the 80 's. So my question to them, is how and where did they get my current and previous numbers to call me.
I submitted a certified letter to Credit Reporting Agencies XXXX, XXXX, and Equifax in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XXXX XXXX 2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.
The same debt was reported under two different accounts on my credit report file XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the amount awed as {$0.00} and XXXX XXXX XXXX is reporting {$640.00}. Both accounts should be removed as inaccurate.
I had XXXX S.O.N.Y. cards and XXXX XXXX platinum master card, I sent them decease and desist letters and they still are sending me statements in the mail. I have called both companys many of times and they wo n't quit harrassing me for money. I am on XXXX, XXXX, H.U.D. and food stamps, am poor and can not afford to pay the fees. They wo n't quit harrassing me and sending me statements. I would like something done about them harrassing me, I pleaded a chapter on bankruptcy, and they still want their money. What do I do? Please respond to XXXXXXXXXXXX.
Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report. 

This account does not belong to me. It should be removed. 

Police Report Number - XXXX ( XXXX of XXXX NC )
I have made continous payments toward my XXXX XXXX account and the agreement was to have these items removed and they were not.
I have owned my cell phone number for over 10 years. Someone named XXXX XXXX keeps giving my number out to his debt collectors. Everytime i explain this to them and ask them to remove my number they either don't believe me and keep calling or they lie and don't fix it. It was over a year since i got any debt calls and now Golden one credit union is calling for this man again at all hours. I have saved all the messages they left. But as soon as it started happening i called them and explained that it has been a quiet year and i didn't want this starting again because he is a liar and this isn't his number. I called twice and golden one representative told me twice that my number would be removed this was over a month ago and they are still calling early in the morning and throughout the day leaving messages looking for this man. i'm so tired of this ... my parents are old and i am their caretaker so i need my phone free ... it is hard for them to remember a new number since i have had this number for so long ... my dad is XXXX and my mom is almost XXXX so to learn a new number would be very difficult for them. I would like to know if Golden One will stop calling from this complaint filed? thank you
For the last few weeks I have been receiving calls from the Focus Receivables regarding 'a debt '. None of the calls ( always an automated recording ) provide any details. I 'm not aware of any debts.
I requested that credit over two years old be deleted and that accounts in good standing be updated to show an older history of accounts from auto loans and credit history with the XXXX XXXX XXXX XXXX be updated. A recent response to a credit increase from XXXX XXXX listed among factors or denial were! ) Length of time accounts have been establish and 2 ) Too many inquiries in the past 12 months, All were based on information reported by Experian. 

I am submitting this request to CFPB because my effort to obtain the desired result in a letter I sent to Experian on XX/XX/2017 seems to have been ignored. I have not received a written response and these items have continued to adversely effect my credit history and credit score.
Upon learning about the XXXX  security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XXXX XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.
After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. EXPERIAN has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.
UPDATED COMPLAINT XXXX/XXXX/2015 I have been following my checking account for several days and was led to believe that there was more money in my checking account than was actually there. On Friday, XXXX/XXXX/2015 my account showed that XXXX outstanding checks in the amount of {$50.00} each had been paid and that I had a balance of {$24.00} approximately. I had XXXX ( XXXX ) outstanding check in the amount of {$25.00} and when I deposited {$13.00} electronically yesterday XXXX/XXXX/15 my account was overdrawn by the last {$50.00} check that my bank said was paid. I was charged {$12.00} and {$50.00} was withdrawn from my savings account to cover the over-drawn check. Now my account shows a balance of {$12.00}. I have been a loyal customer for years and I have never had any problems with my bank. Lately, I have been having problems with businesses that I had no problems with before such as my student loan lenders, XXXX. I had to file a complaint on them because they kept claiming to lose my applications for forbearance. I have been harassed by XXXX XXXX XXXX and have asked that they leave me alone. Despite my efforts to get them to leave me alone, they continue to harass/threaten me. It has gotten really out of hand. I even posted posts online asking them to leave me alone to no regard. This week my XXXX credit and XXXX accounts were hacked and I could not close out my checking, credit, or debit cards.. I had to call XXXX so they could close my account. 
How complaint can be satisfactorily addressedI am requesting that U.S. bank stop payment on check XXXX a lost check at their expense.
In XX/XX/2018 I applied for a Chase XXXX XXXX credit card having a XXXX point signup bonus if I charged {$1000.00} on the card in 3 months. 

The Chase XXXX offer stated : " Bonus Awards. The product is not available to either I ) current cardmembers of any XXXX Rapid Rewards credit card or ii ) previous cardmembers of any XXXX Rapid Rewards who received a new cardmember bonus within the past 24 months. '' I received a new cardmember bonus about 36 months ago so the product should have been available to me. 
My credit score is XXXX ( very good ), I pay all my bills on time, and I do not owe money so I am financially qualified.

I was not approved because Chase said I had too many credit cards opened in the last 2 years. ( See attachment letter from Chase ) This additional requirement was not stated in the offer. The offer was deceptive.
Transunion has reported hard inquires that I am fighting only XXXX has removed theirs.
i have been contacting Transunion for over a month trying to get inaccurate information deleted from my files. I checked my credit on XXXX XXXX, 2016 on the XXXX site and had a total of XXXX hard inquires removed from my report. I checked back on the XXXX site on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without anyone notifying me about the reinsertion letter as required by fcra section 611. I 've made numerous calls ever sinced this matter occurred. And could n't get help from anyone. I requested several times to be transfered to the fraud department or an US reprensentative. Keep getting the run around. Many of them had nasty attitudes. Many said they knew of the situation, but oh well. Take it as a loss. Said to file a complaint because they were n't going to help me, and hung up. This happened several times.
We had a mortgage through Nation Star, last XX/XX/2016 we sold the double wide & XXXX acres.. to date I still have NOT received title to double wide. I now have spent hours calling them .... to avail .... I was told my issue has been accelerated.. but that was a month ago ... .. STILL no word or title ... this is 10 months now ... .I need help please ...
While checking my credit report, I noticed an XXXX report of allegedly returned check from XXXX reported by law office of Crystal Moroney located in New York. I contacted both XXXX and my bank and they do not have any record of the said debt. I tried to contact the law office of Crystal Moroney and their phone number does not even work. I believe this is a scam. I don't even use check to make purchases. I always use debit or credit card and so if I don't have the funds it will not be approved automatically. I think this law office is a scam.
A REQUEST FOR XXXX XXXX XXXX XXXX LOCATION OF SOUTH FLORIDA TO REPORT XXXX XXXX XXXX SINGLE FAMILY HOME OWNER MORTGAGE SALE ON AROUND XX/XX/2017 TO THE THREE MAJOR CREDIT REPORTING AGENCY 'S 1 ) XXXX 2 ) XXXX  3 ) XXXX XXXX. LOAN # XXXX  PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
I have a bank account with BB & T that I had forgotten about. The account went dormant because it was inactive for one year. I ended moving to a part of the country that does not have any BB & T branches. When I discussed the issue with a customer service representative I was told to write a letter authorizing a friend or relative to go to the branch where the account was created to collect a new debit card and that the dormant status would be removed. I followed their instructions. After my relative took the letter to the branch the staff claimed that the information I had been given was wrong and that I would need to write another letter, have it notarized and send it to the same branch I mentioned before. I write the letter, have it notarized, and send it to the branch. I check the status of the letter on the USPS website and it says it has arrived. A few days pass and I have not heard anything from the BB & T Branch. I call them and a staff member claims that they haven't received the letter. At this moment it becomes obvious that no one at this branch has checked the mail. When I call him out on this he checks the mail and confirms that the letter has arrived and claims that it is being passed along to someone who can verify it. A different staff member calls me asking me for a picture of my drivers license and I immediately email her a picture of it. A week passes and the status of my dormant account has not changed. I call the branch and they claim that the letter and photo of my ID are still being verified. Another week passes. I call them again and they give me the same story. Several weeks later, account still hasn't been reactivated. I have spent around {$50.00} to have two letters notarized and shipped across the country and have not gotten any results. BB & T is by far the worst bank I have ever dealt with. This experience has shown me that the company is full of XXXX employees who don't care about customer service. It seems like they think they can get away with not doing anything and that customers will just give up and stop contacting them. At some point in the near future, I will have to travel cross country to get this matter resolved. This is beyond ridiculous considering it is 2018 and this problem couldn't be resolved online or over the phone.
I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed DoFD in 2008. I have never heard of XXXX. I never received any correspondence from XXXX or XXXX. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.
I received emails from XXXX XXXX ( XXXXXXXXXXXX ) re : a debt owed. They state I owe money for a loan that fell delinquent. 

When I asked them to provide me documentation of my original loan, balance due, payment history and how they acquired my " bad debt '', they responded that my paperwork had been " seized ''. If I do not pay them now, my file will go to court and that is when I can view the documents. I asked why are the contacting me if my file has been " seized ''. They could not answer the question, only told me to pay today to clear the matter. 

I copied all emails. The collectors are a company I never directly dealt with. Their information is : XXXX XXXXACE Cash Services ( XXXX ) XXXX
I have a bank of the west checking account and it has around {$500.00} balance. I had monthly activities ... .... 2 years ago, I ca n't login in to my account and had n't received any letter from them. I called one of their branches in XXXX, IA and one banker over the phone told me my account went dormant and I had to fill out the form to reactive my account. She mailed me a form in the mail, I filled out and mailed back to her. Nothing has happened ... .I ca n't still login in to my account and I need my money back. Bank of the west ca n't just say customers ' account go dormant and keep customer 's money. 
The below is my Bank of the West account number : Account Holder XXXX Account Type Checking Account Number XXXX Transit Routing Number XXXX
I did not have funds to make a full mortgage payment, so I sent a partial pay with the intent to pay the balance before the due date. A couple weeks later, I sent the balance. My total payments in the month of XXXX equaled the amount due. 
The mortgage company rejected my first partial payment, but first they cash my check and issued a check of their own back to me. I received rejection letter after I sent a check for the balance. I now have just days to figure out if they will accept the second partial payment and how much money I have to find to pay the amount due. I might have to pay additional fees to overnight a check or use the mortgage company 's telephone payment system. I was trying to make sure that the mortgage got paid, but the mortgage company is trying to make sure that I miss my XXXX payment. This is totally unfair. I should not get punished for trying to make the payment.
On  X/XX/17   , I was reviewing my credit report and saw a collection account from SCA Collections , Inc . The amount was for {$55.00}. I am not aware of any outstanding debt with this company or the company they bought the debt from so I decided to initiate written contact. On  X/XX/17    I sent out the first letter ( certified mail ) asking for verification and validation of this debt. Around  XX/XX/17   , I received a response letter from SCA with what they would consider as verification. They also stated if I needed further information I would need to contact the original company directly. From my understanding, the FTC does not consider an itemized printout as verification of a debt from a debt collector. It is also my understanding that it is not my responsibility for the burden of proof on this debt. I wrote a second letter to SCA on  X/XX/17    again asking for verification of this debt ( document bearing my signature ). I received their response to my second letter around  X/XX/17   . They stated they have meet all requirements and provided me with verification which they have not. If they can not provide the proper verification ( document bearing my signature ) I ask that this item please be removed from my credit reports as it is damaging to credit.