WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I ( both veterans ), have been with Freedom Mortgage for about 15 months. We have only had one issue when mail was delayed due to a snowstorm and the check arrived a day or two late. When we called them about the check being late ( we saw that the money had NOT been withdrawn on the XX/XX/XXXX ) they told us that we were immune from late payment for the first 2 years of our mortgage but STILL charged us late fees and claimed the fee would be applied to principal. We were mollified. However, this occurred again and AGAIN WE had to call THEM about not cashing our mortgage check. We were told to cancel the check and pay online. We attempted several times to pay online but their system was not working properly. We called several more times over the next few days and were finally allowed to pay over the phone. However, once again they got a number wrong ( allegedly ), and piled on even MORE late fees again telling us that they would be applied to principal. None of the late fees were ever applied to principal so they had BLATANTLY misled us or dare I suggest that they LIED to their own customer. Now they are saying we are TWO months late and we have both payments sitting in our account waiting for them to take it. I have done research on the company and this is NOT an isolated incident. They have been both aggressive in getting their money and politely unhelpful each everytime we try to pay them. They have continually lied or misled us, NOT corrected the problem NOR have they EVER called US. WE have called THEM we stay on top of ourt finances and this is completely unacceptable and a perfect example of corporate greed and incompetence. My FIXED mortagage payments have been going up due to late fees and accrued interest because they will NOT take our money. I do not know how to force them to take our payments please help us or inform them they need to fix how they do business.
I called into Capital One 's executive office to request a reconsideration of my credit line increase request placed online on XXXX/XXXX/15. I was informed by XXXX from there execuitive resolutions team that a new manual credit line increase application could be submitted and that they would do a soft pull on my credit. I agreed and I requested a credit line increase to {$25000.00}. A few days went by and I noticed that my credit line was increase by {$1500.00} to {$12000.00}. I called back in and the pin code that XXXX had given me to get to the executive resolutions team no longer worked. I spoke to a few associates who got me over to XXXX who was the senior account supervisor/senior customer advocate for capital one. When I asked to be connected back to the executive resolutions team she informed me that it was n't an appropriate call to go to there office. I asked her if she could have a letter sent out to me like in the past that explains why my credit line was not increased to the requested amount. She put me on hold for quite a long time and came back and said that the executive resolution team does not provide that information. I explained that in the past that I received that from them. She called back again and was told that reasons are only provided when a customer chooses not to accept a partial credit line increase. So I asked to be transferred again to that department so that I could re-apply for an additional manual credit line increase request and this time I would inform them that I would not accept a partial credit line increase so that I could get a letter that tells me why I did not qualify. 6 months ago when I have placed this request I was able to get a letter and the letter said I did not qualify because I did not have similar credit lines with other lenders. Now that I have had similar credit lines with other creditors I was n't to see why they will not approve me for the requested credit amount. 

XXXX reiterated that I did not qualify at this time as the credit line increase was only approved for a partial amount and stated that it was " the highest I qualified for ''. I indicated that the Equal credit opportunity act requires that my application be taken. She indicated that she could get me over to the automated system to fill out the request. I told her that I already did that on XXXX and the system will not approve any requests for a credit line increase if you have had a change in credit line in the past 6 months which was confirmed with there executive resolutions team. That it was a violation of my rights to not transfer me to the team to apply for the manual credit line increase was discouraging and refusing to take my application for credit. If they allow one customer to go through this process they must let all customers go through the process every time they request it. 

When I asked her if she was refusing to let me speak with someone who could place the request she reiterated she did not believe that it was appropriate for her to transfer me to the executive resolutions team. This is a clear violation of fair lending laws.
Unsure of validity of this debt and need to understand exactly what this debt involves. I am not sure if this is even a debt that I should be responsible to pay.
I have been a XXXX resident since 2006. As a result of a mortgage interest statement, the state of XXXX determined that I must have earned XXXX. revenue. My accountant and I responded and the state determined that no other action was required. However, a lien was already placed on me and I can not get it removed. Included is all of my documentation. I have divorce documents showing ex wife 's ownership of home in question.
I have tried to use the loss mitigation process to do a loan modification. I was {$14000.00} behind in my mortgage and I was only able to come up with {$10000.00} so Faye Servicing would not accept the {$10000.00} and allow me to make arrangements on the remaining {$4000.00}. I feel behind while in Bankruptcy During the process my loan modification paperwork was continually denied due to the need to obtain separate homeowners insurance, although I have forced hazard insurance. 

I was given time to obtain the homeowners insurance and during the alotted time to provide said documentation I received Foreclosure Court Papers. 

I sought an attorney to help me with the process. My attorney has been working thru the process with the Banks Attorney. 

However Faye Servicing has continued to pursue a bank foreclosure. I was told that I am subject to both a Judicial Foreclosure and a Bank Foreclosure. 

So, I have been subject to additional collection actions by Faye Servicing. Faye Servicing has demanded the same paperwork my attorney has submitted. Faye Servicing has continued to tape notices to my door and call me from multiple numbers.

I spoke to the Account Manager at Faye Servicing and I was told that by not participating with the Bank Foreclosure that I will lose my home despite the actions taken by my attorney. My attorney advised me to not talk to Faye Servicing but they continue their collection efforts. 

I am scared to lose my home! I am pursuing another attorney for the additional foreclosure proceedings. So, I will have two attorneys to address both collection actions moving forward. I just need to ensure that I do not lose my home.
I made a payment to XXXX on the basis that it would be for a real estate transaction. It was a XXXX  agreement between XXXX and the seller, XXXX XXXX XXXX. The address is XXXX XXXX XXXX in XXXX. I filled out the paperwork and sent a bank wire of {$38000.00} to XXXX on XX/XX/XXXX of this year that was said to be for the down payment, 6 months of reserves and some other things needed. I also received a promissary note for the note that stated that I would receive a note at 20 % in which I would receive {$640.00} a month and I would be paid in full as well as receive 30 % of the deal when XXXX XXXX  sells. That was in XX/XX/XXXX, it is XX/XX/XXXX, and I have received one debt payment in all this time. I was also told this would be a project that would take anywhere from 3-6 months ... and it has exceeded that timeframe. I also received a copy of the deed for the property, some loan forms etc. but I never received anything with the seller 's signature. But I can assure you that all forms that I am submitting came directly from XXXX  and you can check my email to prove so. So it has been about 6 months and there has been no updates or progress on the property. I have relatives in XXXX  that know the address, and they stated to me that there was obviously nothing being done to it, no rehab or anything. So out of curiosity, I XXXX  the address and find out that the property is being sold for {$45000.00} by XXXX XXXX. The realtor 's name is XXXX XXXX and she assured me that the seller, XXXX XXXX XXXX has NO idea about the XXXX agreement with XXXX and said she has a legally binding contract with him so only she could sell the property anyway. And according to the projections, the {$38000.00} I paid was to be used for the down payment on a {$120000.00} loan.

Why would anyone take out a {$120000.00} loan just to sell it for {$45000.00}? I have a warranty contract for the transaction with XXXX XXXX XXXX initials and signatures on it. I just showed it to XXXX XXXX  this morning to and she said that she didn't believe they were really XXXX XXXX XXXX. I have also enclosed the promissory note, in which it states that at anytime if obligations were not fulfilled, I can ask for the entire amount of the loan back ... .which is certainly what I '' m doing. I know the only signature on the note is mine, but the agreement was still made and I expect it to be fulfilled and be repaid IMMEDIATLEY. XXXX XXXX says that she will back up everything I have stated as far as the property and her dealings with it. Her email address is XXXX and her mobile number is ( XXXX ) XXXX. She can also get you XXXX XXXX XXXX contact information as well.

I have disputed this with Wells Fargo and XXXX, and I have seen no investigation done. I know there must be SOMETHING they can do in this situation ... .whether filing a report on my behalf, an investigation or whatever they can do.
Have tried several times to have this removed from my XXXX credit file with no success.This is not my account.i have two credit cards with XXXX XXXX both in excellent standing like all my credit.This account does not belong to me.If there was an account opened in my name i am not aware of it.and is fraud.I am seeking a home loan and need this removed or i will be forced to seek legal action for damages that this fraud account has caused me.
XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$1600.00} THIS ACCOUNT IS NOT MINE I MAILED A IDENTITY THEFT VICTOM COMPLIANT AND AFFIDAVIT, XXXX AND XXXX   ALREADY REMOVED FROM CREDIT REPORTS JUST EXPERIAN IS HOLDING ON TO THIS ACCOUNT, I WANT THIS ACCCOUNT DELETED OR REMOVED FROM CREDIT REPORT ASAP.
With all due respect my wife always will do the right thing. She has tried to work out several ways to lower or catch up mortgage. We receive letters and demands on the daily bases and also emails from time to time. But what the real issue is regardless of the default is we were not given full disclosure. We should all know that pooling, selling notes which is Securitization and fraud lying to investors and it is no longer a nogoetiable instrument it is a non-nogoetiable that has been turn into a security instrument. Through 21st Mortgage Corporation its agents or agent violated T.C.A. title 47 in Uniform Commerical Code section 3-305 ( a ). 21st Mortgage materially altered a contract without the  consent of XXXX XXXX XXXX or XXXX XXXX committed Fraud in the factum. This is why this transaction is illegal. And thus fraud which induced us both into a contract upon terms and conditions other than agreed upon. The law is expressed as 3-305 and claim recoupment. And as stated in general rule subsection ( b ). This is fraud and lack of legal capacity or illegality of  the transaction WHICH UNDER LAW nullifies the obligation of the obligator. Fraud that induced the obligor to sign the instrument with neither knowledge nor reasonable opportunity to learn of its character or its essential terms ; ; or the law that Governs this note/bond/mortgage security interest lien is the Statues at Large Public Law 13 38th congress Stat 99-118, the National Currency Act which expressed as prima facie Law under the United States Code Title 12 Banks and Banking, TCA Title 47 Article 3 Negotiable Instruments and Article 8 Investments Securities. We are XXXX XXXX and XXXX XXXX XXXX we are only asserting defense against the validity of the orginal negotiable instrument 'contract ' the alleged promissory note '. And last and foremost the first issue is consideration there has been no loan or consideration in this contract in the amount of {$60000.00}
I went to XXXX for my XXXX XXXX on XXXX my insurance at the time was XXXX XXXX XXXX XXXX I paid my copayment of {$40.00}. 

I was sent a total of {$880.00} for reimbursement that went to their overpayment recovery department for me to pay back XXXX. 

I was told XXXX I had to repay due to incorrect billing. The Dr 's office and then a collection agent refused to submit correct billing.I have disputed this debt since day 1. 

I was contacted by a XXXX and said the debt was incorrect as they showed me being reimbursed for {$1100.00} which I never was the patient statement they sent and patient demographics report both had incorrect information amounts received and insurance at time of service. 

I explained that the debt was incorrect and asked help in resolving the matter as XXXX said they would be reimbursed more than the XXXX that I had refunded backWhat happened after was a series of harassing and attempts to intimidate phone call by a XXXX specifically on XXXX. 

The letter dated XXXX/XXXX/15 is a complete and fraudulent statement that " there has been no response in regards to payment ''. The polar opposite has occurred and I find the actions of Williams, Alexander and associates to be deceptive and illegal.
Someone stole my money out of my checking account I did not authorize anyone to a control money from my account I filed a fraud claim immediately upon finding my funds work on SunTrust has denied my claim and now I have to file a rebuttal to have made me wait two weeks of no funds taken my sons XXXX check and my entire account plus fees over {$4000.00}
On  XXXX   XXXX  I mailed a check in the amount of {$2700.00} to  Macy 's   XXXX   XXXX  , to be paid towards my credit card balance. For  3  weeks I waited and they told me they never received it. On  XXXX   XXXX    XXXX   I called my bank and they said  Macy 's  cashed the check on  XXXX   XXXX    XXXX  . It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called  Macy ' s back to see if they received it. They said they 'll need to investigate and it could take up to  2  billing cycles  ( 2 months )  to get it corrected. I severely needed this check to go through to  Macy ' s as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.     I JUST FILED A COMPLAINT THROUGH THE CFPB AND WAITED AND WAITED UNTIL I FINALLY HEAR BACK FROM  MACY ' S AND THE CFPB REFERENCED THE WRONG ACCOUNT!!!! MY ACCOUNT NUMBER ENDS IN  XXXX .     NOT  XXXX !!     CORREC T MACY  'S ACCT NUMBER -  XXXX
This is related to checking and credit card accounts with USAA.
USAA will not allow me to make any changes to my accounts online. I can only view account information, but make no changes. USAA says this is because I owe them {$370.00} as a result of overdrafts. I can not modify my auto insurance. I am making payments on a credit card I had with USAA, I can not change or in any way adjust the amount I am paying because I do not have the ability to do so. The only department that can change this is Collections. Collections does not allow communications through any medium other than phone and wait times average over 30 minutes. They will not communicate through email, messaging or even paper correspondence. I have been unable to reach them due to the extended wait times on the phone ( this is the norm according to related internet forums ). In addition USAA began withdrawing from my checking account WITHOUT MY AUTHORIZATION when the debit card I was using to pay became compromised and had to be closed.     Until last year I had no electronic access to my  XXXX   XXXX   XXXX   XXXX  account as they refused access because I had declared bankruptcy. That is now fixed as a result of the CFPB 's action s (  Thank you ! ). I dispute the {$370.00} charge but can not get it resolved as I can not reach Collections. I need to change my credit card payment but can not as USAA will not allow me to modify my accounts online. I wish to modify my auto insurance but can not do so as USAA wi ll not allow me electronic access/changes to my accounts.
XXXX XXXX XXXX is sending me collection notices on XXXX accounts. I am currently and actively being pursued by XXXX XXXX XXXX on XXXX of these same accounts ( these XXXX originated as XXXX Credit cards and they were mine ). The XXXX account they say originated with XXXX. 
I called XXXX to verify the debts and amounts and was told that XXXX now owned the debt. I have sent a written request to XXXX with a copy of the XXXX letter asking if they have sold the debt to XXXX. They respond they still own the debt, but wo n't provide me with further information. 
I have no recollection of a XXXX account. I called XXXX Credit cards and they researched my social security number and found no accounts with them. The XXXX Chase Cards appear correctly on my credit report as charged off, but there is no record of any XXXX chargeoff until XXXX starting reporting it. 
I have contacted XXXX repeatedly ( including certified mail ) asking them to verify the original accounts, current calculations, date of last payment, and proof of their ownership. 
Instead I get a letter from " Crosstown Law Firm '' with none of the information requested, which I am entitled to by law. Furthermore, the letter gave me 5 days to respond ( letter came 20 days later ) or I was validating the debts -- also illegal. 
The amounts they are reporting are not correct on the XXXX XXXX accounts, and the XXXX is crazy ( {$61000.00} )! 
The person signing the letter, XXXX XXXX, is not licensed as a lawyer in MN, though the letter gives the impression she is a lawyer. 
They have re-aged the XXXX debt incorrectly ( and added them together a couple of times ). This debt went into arrears in XXXX 2009, and they are reporting last activity as of when XXXX charged off the accounts and sold to XXXX. 
I believe these actions by XXXX are completely fraudulent. They respond to my requests with threatening letters and are still reporting incorrectly on my credit report. 
I had credit issues years ago, as the result of unemployment. We are now getting back on our feet and trying to fix stuff, but I believe XXXX XXXX is praying on me and does not own the XXXX debts, and the XXXX account is a fabrication.
XXXX XXXX HAS COST ME JOB WHEN I SHOWED THEM ID THEFT VICTIM VIOLATION OF MY RIGHTS LOSING MONEY AND JOB OPPORTUNITY
I submitted a letter to EXPERIAN disputing : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. <P/>I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. <P/><P/>These accounts are fradulent and EXPERIAN did not conduct a through investigation according to the FCRA. These Contracts were cancelled or rescinded and should not be reporting on my credit report. <P/>EXPERIAN responded stating that it meets FCRA requirements which is false. <P/>I SENT EXPERIAN the returned letter from THE XXXX XXXX XXXX XXXX ACCOUNT # XXXX stating that this item was returned to me from the address that was reporting on my credit report fraudulently. I 've attached the document with this complaint. Experian did not delete this account from my credit report they updated an address.
Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 ) Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors  ... ... 

After checking my credit reports, I noticed a collection from XXXX XXXX. 

1. On XX/XX/XXXX, I sent XXXX XXXX two Debt validation letters ( attached ), certified mail ( return receipt attached ), pursuant to FDCPA 809 stating that i dispute their claims in their entirety. 

2. On XX/XX/XXXX, I received a letter from Convergent ( attached ) stating the debt and account were verified and they attached a bill from XXXX that had another person 's name on it. 

3. Therefore, on or about XX/XX/XXXX, I sent another letter ( attached ) to Convergent with my Drivers license, certified mail ( return receipt attached ) stating that the name on the bill was not mine and they were in violation of FCRA 623 ( a ).

4. On XX/XX/XXXX, I received another letter ( attached ) from XXXX XXXX. This time they sent a longer bill but the bill still had another person 's name on it. 

5. I disputed the information with XXXX, XXXX, and XXXX  ( certified mail ) and XXXX   and XXXX came back that the information was accurate and verified ( credit reports attached ).

Convergent is knowingly and by their own admission reporting false and inaccurate information to the credit reporting bureaus. The name on the bill is not my name.
I signed up for Amazon Chase credit card to get a discount on my purchase. I did not put any purchases on the card. Amazon automatically put some purchases I did not make on the card. After several calls to XXXX and Chase these purchases were removed. I instructed Chase TWICE to cancel the card. They assured me on the phone TWICE it had been done. Today I got another bill for late fees and interest because their computers think I made charges on the card that were not paid - XXXX and CHase have both told me this was corrected!! 

Please have Chase remove all charges, remove any derogatory comments from my credit report and CANCEL this card permanently.