WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Mortgage inflated my Mortgage Principle balance of {$84000.00} to XXXX. XXXX sold my mortgage to Select Portfolio XXXX XXXX and stated my principle balance was {$130000.00} when the loan was sold. XXXX illegally inflated my principle balance by {$150000.00} dollars incurring fees and mortgage modification in house which was never approved by XXXX. I never received any final agreement from XXXX in XXXX. I received a Military assistance program for 36 months of a fixed rate of XXXX percent and a mortgage payment of {$490.00} I was a victim of the Mortgage crisis bubble of XXXX, XXXX was told by the Federal government when they received the " Bailout Money '' to restore all distress properties to a fix rate under the Home Affordability Program " HARP '' but XXXX instead choose to initiate an in house Loan Modification that was never finalized in XXXX. XXXX made money selling off my mortgage and made a profit of {$150.00} or greater. I have a copy of the Detailed Transaction History that shows no Modification made in XXXX through XXXX XXXX. XXXX added the last two transaction in XXXX XXXX. I want my Principle balance restored back to {$84000.00} which is item number 491 of the Detailed Transaction History
MRS BPO LLC has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
Alert Details Alert Date XX/XX/2018 Source XXXX  XXXX MRS BPO LLC Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2018 Balance {$220.00} Is anything incorrect? 
Visit Dispute Center. This Company has done this over and over to me.this is not right this was paid and remove from my credit reports in the past.I want them to have to pay for damages to my credit
XXXX acct # XXXX : Did not inform me ASAP about autopay rejection until I found out myself. It was only a error I made with my autopay check #. I would have resolved this immediately if I was informed ASAP. Instead 2 months without payment to XXXX happened. I paid more than the minimum payment after I found out the deficiency. 
I have since corrected the automatic payments and also decided to close the account. 

also : FICO score complaint : I applied and qualified for a " prequalifying '' for home equity ( approved for {$150000.00} ) and mortgage ( approved for {$500000.00} ) from XXXX XXXX/ XXXX XXXX because I am in a hunt for a XXXX property in Oregon . The prequalify is good for 90 days. It expired last XX/XX/2018 and so I renewed my prequalifying, which is again approved by XXXX XXXX. The thing is I still haven't haven't found a home that I want to buy but I want to be readily qualified if I find the home I like and while I still haven't found a home, my prequalifying will expire again in 90 days and everytime I renew mt prequalifying, XXXX XXXX will again recheck my credits and this in turn will bring down my credit rating? I think this is unfair and it shouldn't count against my credit rating because I have already been approved for the mortgage.
I purchased a vehicle around XXXX 2008. Due to financial difficulties, I fell behind on my payments, and the vehicle was repossessed. The company sold the vehicle, and filed a judgement against me. They are stating that I owe over the purchase amount of the vehicle.
On XXXX/XXXX/2016 I received an email from Citibank informing me that the checking account that I had with them for four years was being cancelled, effective XXXX/XXXX/2016. No reason was given, other than to say " Please know that this action does not reflect any dissatisfaction with you or with your relationship. '' After receiving this, I called them and was told this was a business decision from the top and could not be reviewed. Therefore, as of XXXX/XXXX/2016 I redirected all my direct deposits to a new account at another bank. As of that date there was a XXXX balance, in anticipation of the accounts closing on XXXX. On XXXX/XXXX/2016, despite the XXXX balance, Citibank paid a draft from my account to XXXX XXXX XXXX in the amount of {$94.00}. Apparently realizing their mistake on the following day, XXXX, they credited the account back {$94.00}. However, on XXXX they again paid XXXX XXXX {$94.00} from the account with no balance. The next day, XXXX, they credited the account {$94.00} again. In the meantime they assessed a returned check/NSF fee of {$34.00} on XXXX, another {$34.00} fee on XXXX, {$50.00} service charge on XXXX ( a month after the account was purportedly to close ), another overdraft fee on XXXX. After all these fees they are still showing an open account with a - {$280.00} negative overdrawn balance. On XXXX I wrote to Citi asking what was going on and why the account was still open. I requested it be zeroed out and closed, per their original email. I received a reply from XXXX XXXX XXXX, dated XXXX/XXXX/2016, in which she wrote " We are sorry to find that the account has not been closed yet, we have escalated this situation with our back office. Your account will be closed in the next few days. Please advise ( XXXX ) that you may receive a last statement proving the account closeout and the XXXX balance. '' As of this date the account remains open showing the {$280.00} overdrawn balance.
XXXX XXXX XXXX XXXX has called my work now 2 times. I have told them both times I am not allowed personal phone calls and work and it is a fire able offense if it is not an emergency. They called the first time Wednesday XXXX around XXXX, and again today XXXX at XXXX. Both times I have told them the same thing. Please make them stop calling before I am fired.
Please see attachment. Select Portfolio is making a claim that it represents my creditor. They claim there is an assignment that took place by XXXX assigning my note to some Trust. They never sent me a copy of the assignment. Please help me get understanding and to get them to send me proof of an assignment.
Experian credit reporting is reporting an account closed that I have not ever had closed and has always been opened and in good status. I have reached out to Experian numerous times about this and they have ignored my requests and now will no longer process my requests to correct this error. all the other credit agencies have the information correct and Experian is the only one with incorrect date being supplied and shown on my report. they are reporting a closed credit card account with best by and my best buy account is opened and has been verified by best buy credit card department, I have reached out to Experian on this matter for over a year now. please make this right and update this correctly so my credit file reflects correct information.
Equifax was hacked and allowed all my personal information to be stolen. I have had to place credit freezes on all my Credit Reports from all 4 agencies. I am now a victim of identity theft. I can not believe that Equifax is still in business ... ..XXXX XXXX Americans were hacked in something that could have been prevented but their incompetence has allowed XXXX XXXX Americans to be victims - This is unacceptable and not only should the heads of that company be held legally responsible but the company should be forced into closure.
TransUnion is falsely advertising that they will sell you your XXXX-bureau credit report and score for {$9.00}. Once you sign up, pay the {$9.00}, and log in, you are required to pay another {$29.00} for the services advertised. I have attached a picture. Both my husband and I fell victim to this fraudulent advertising, but we caught it right away and were able to cancel. The customer service agent who took our call said that it was " never advertised '' that this service was included in the {$9.00} initial price and that it was a separate service entirely. As you can see from the attached documentation this is clearly a lie - the advertising on both the splash page and the sigh-up page claim the reports & scores are included in the {$9.00} initial cost and there is no mention anywhere of the " seperate service '' or " additional cost ''. I would like to report them so no one else falls victim to this deceptive advertising. It 's such a shame that this should come from one of the main credit bureaus that people are inclined to trust!
I sent a letter to ERC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. they have reported delinquent information to the credit bureaus that I am asking to be deleted.
I contacted TransUnion and XXXX to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 there were items resolved at that time but not all. The second contact was XX/XX/2018 at which time the following items were addressed but remain on the report still : I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that are inaccurate. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following name is NOT my name XXXX XXXX, please remove from my report. The following accts have NEVER been late, please cease reporting as late XXXX/ XXXX XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX XXXX  XXXX acct # XXXX. This is my third letter with the same accts and information still being reported inaccurately. I will pursue this issue until I receive an accurate credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Requesting back up from Franklin Collection service Clearly they just purchased this debt from another collection agency that was recently removed from my credit reports due to not providing the information to verify this debt. 

As stated in the attached letter- I am requesting detailed back up for the {$230.00} debt that is being reported on my credit report If you can not provide back cease all collection attempts and report from my credit report AGAIN immediately.
I submitted a request to my mortgage company, Freedom Mortgage, XXXX, TX. That request was submitted on XX/XX/XXXX and I asked that they pay my property taxes from escrow prior to XX/XX/XXXX. They never responded to that request which was sent via email and they confirmed receipt of that request. When I called Freedom to follow up, they explained that they could not pay my taxes prior to XX/XX/XXXX due to CFPB regulations ( that was statement was made within a recorded phone call with me ). I stated that this seemed very odd given that the property taxes were due prior to XX/XX/XXXX but 30 days of grace are provided for payment. I would like to know if CFPB does in fact have a policy that would disallow Freedom from fulfilling my request. If a CFPD policy to this effect does not exist, I would like to file a complaint against Freedom for deceptive and misleading practices. Thank you for your assistance.
I talked to Shellpoint Monday, XXXX/XXXX/XXXX about all of the necessary documents needed for my short sale. I faxed them off the same day and received a fax confirmation. 

Today, XXXX/XXXX/XXXX I received a call from the XXXX XXXX ( Single Point of Contact ) stating that they did not receive my documents with XXXX dates or signatures, which is false. He also stated that now they need new, updated bank statements and pay stubs, which was never mentioned on my call with them on Monday, XXXX/XXXX/XXXX. I am getting ready to refax ALL of these documents again. This is so ridiculous. They are extremely incompetant. 

There is still a clear lapse in communication with this mortgage company. They constantly lose documents and give inaccurate information. This is slowing down my court-ordered short sale process. I am still paying other bills on this property such as security to protect from squatters as well as HOA fees.
In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.
I am among those who had data stolen in the Equifax hack. My name, address, credit, and social security are becoming public data as I type this, and I and many others will now have to take strong preventative measures to protect myself from identity theft. This is what happens when you let for-profit companies handle sensitive government data. Disgusting.
This is a formal CFPB Complaint filed by XXXX XXXX against Wells Fargo and XXXX XXXX. <P/>The financing of the XXXX XXXX customer-purchases ( derived from unlawful, deceptive, and unconscionably high-pressure sales tactics, with the sales appointments, themselves, always induced by an elaborate referral-scheme of {$100.00} XXXX gift cards ) is deceptive, fraudulent, unlawful, and unconscionable. Specifically, this allegation refers to the exclusive-financing relationship that exists between XXXX XXXX/XXXX XXXX XXXX and Wells Fargo Bank, whereby customers are led to believe that they are applying for a traditional, closed-end loan only for the amount of the ever-shifting price quoted by the XXXX XXXX sales representative. In fact, the Defendants actually trick or otherwise induce, without the required disclosures about the nature of the credit-application being executed, the customers to apply for what turns out to be a XXXX Home Projects credit card, issued by Wells Fargo bank. <P/>As a standard practice, XXXX XXXX sales force completes all paperwork that is executed during these late-night, in-home appointments, and then simply gets the customers to sign the paperwork that was filled out by the XXXX XXXX sales representative. <P/>This practice, pleaded in the paragraph above, is aimed by the Defendants at deceiving and /or concealing from the prospective customers of XXXX XXXX/Wells Fargo : ( 1 ) the nature and quality of the actual products they are purchasing ; ( 2 ) the many terms and conditions that apply to XXXX XXXX so-called 100 % Satisfaction Guarantee program ; and ( 3 ) the financing terms and the fact that a XXXX Home Projects Program credit card is being applied for of the transaction. This practice of the Defendants, among constituting various other torts, breaches of express warranties and implied covenants, and statutory-violations, is an unlawful violation of the Truth in Lending Act.
XXXX is our mortgage company. We realized that a 2nd hazard insurance was added to our policy without our authorization and we had been over charged {$200.00} for the last 2 months to apply to this 2nd insurance. After several calls the company finally removed the 2nd insurance but they are still overcharging us on our monthly payment and will not reimburse us for the overcharge the last two months. I have called and spoke to a representative on XX/XX/XXXX and XX/XX/XXXX, and had correspondence by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have told the company that this is looking fraudulent on their end and that I would contact federal regulators but they did not respond with action on the issue.
on XX/XX/2018. I tried to use my bankcard to purchase a money order but wasnot able to do so. the bank had put a hold on mycard without my consent.. I was not able to purchase the moneyorder. I had to go to the branch to get the hold taken off my card.I was told that because ofthe amount of the money order the hold was put on. I know that is not true because I have use this before for money orders totaling more than that.
Equifax has a glitch in their system and continues to report fraudulent information on my credit report that does not belong to me. I have tried to dispute this on line and Equifax 's glitch continues to say my personal identifying information does not match theirs. This is against the law. I even lost 31 points from my score fraudulently due to their glitch : The following accounts are not mine and do not belong to me : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX. 
3XXXX XXXX XXXX XXXX. # XXXX
I am a victim of identity theft. The accounts XXXX XXXX  and XXXX  XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. The accounts are also reported multiple times which is against the FCRA
I have a Care Credit which has limits as to what it can be used for. A common use is health cost like dental or medical costs for a pet. During New Years weekend I lost two pets in three days. In order to help me three of the charges where put on no interest deferred promotion for 6 months. Upon the near expiration I sent a electronic Balance Transfer through my account with XXXX XXXX for the remaining total of the promotional balance. I had contacted Care Credit and talked to one of their cutomer service Representatives and explained what I was going to do. Initially I was planning to just transfer balance from one account to the other but the Care Credit agent said they could not do that. So I contacted XXXX XXXX representative and explained what I wanted to do for what amount. He then set in motion to send electronically to Care Credit the balance transfer. This was all accomplished on the date that the promotional period was to expire. I then received notice from XXXX XXXX that the balance transfer was received by Care Credit. However, Care Credit took their time processing the balance transfer for several days and then I was slapped with all the back interest from the promotional program to the tune of {$430.00} at 26.99 %. The whole point of the balance transfer was to avoid the promotional period interest at the very high interest rate. It was bad enough losing two special pets but now I am being insulted with the huge interest charge.
They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX XXXX, XXXX XXXX ... XXXX.
I 've tried entering a dispute with both FactorTrust Inc ( the credit agency ) as well as XXXX XXXX XXXX ( the company that had received a fraudulent credit request, but neither was able to take my information.
I had a loan for my car with Santander. I stopped making payments XX/XX/2011, the car was repossessed XX/XX/2011 the car was then auctioned off and the payment was applied. The remaining amount owed was {$1400.00}. I never got a letter stating the amount owed. I was verbally informed over the phone after multiple calls early in the morning and late at night. I was able to pay the remaining balance. However, on their end it is not showing as paid. They sold the loan twice to different debt companies, none of which called me to inform me of the " debt ''. Now I am being sued for the {$1400.00} from a debt collector. My credit report is showing inaccurate information as well. The only payment history it shows when XX/XX/2011 when my last payment was made and XX/XX/XXXX when the car was repossessed, then it is showing when their payment from the auctioned was applied. I had my loan with them for 4 years prior to this. None of that payment history is on there. I believe this is a violation of FCRA.
I've attempted to call and email BBVA Compass ( call, ~XX/XX/XXXX, XX/XX/XXXX ; email XX/XX/XXXX, XX/XX/XXXX ) after my account was frozen on my request to dispute a transaction ( which I was unable to do online ). Once my account was frozen, I was unable to access my balance and transaction history. I received my new credit card in the mail XX/XX/XXXX, activated it XX/XX/XXXX, and still see no account history for this credit card. The individuals who I spoke to over the phone with BBVA were either unhelpful or outright rude. I was told ~XX/XX/XXXX that a dispute document was going to be sent to my home address, which I have yet to receive ( although I've received my credit card ). I've never dealt with a financial institution so inept and unable to answer what should be a simple problem/question. I've started to consult attorneys in the area to ensure I'm not taken advantage of. This is unprecedented behavior and I don't yet understand what is driving it.
I applied for th e SCRA be nefits for my chase card in  XXXX  and was denied because I lived in new Jersey which is not a community property state. I feel that this is unbelievable. My husband is  XXXX   XXXX    XXXX   XXXX   and been  XXXX . Its just crazy.
XXXX   XXXX  is associated with US Bank Mortgage. A inspection of my property was done in  XX/XX/XXXX , without my knowledge. I had a invoice mailed to Attorney  XXXX   XXXX   XXXX  's office in  XX/XX/XXXX . The year I filed bankruptcy, because my mail was being stolen. I only receive d one invoice from the Company.  It shows US Bank account number. The name  is U S Bank National Association.  This invoice is dated  XX/XX/XXXX . I nee d the invoices from US Bank.  XXXX   XXXX   XXXX  &  XXXX   XXXX  have been deleted from the bankruptcy courts. I have the original Deed of Trust for  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   poses  as a paralegal.  XXXX  worked for the  XXXX   XX/XX/XXXX , until she stole from them.
On XXXX XXXX, 2017 a person name XXXX from C U Recovery , Inc. called my place of employment. When I asked where she was calling from she refused to tell me and asked me why I was screening my calls. She said she was going to call me back at my job and hung up before I could say anything. She had called a few minutes before this call and I sent it to my voicemail. She did not leave a message. I posted a message on their website stating that they are violating the Fair Debt Collection Practices Act by continually calling my place of employment.
On Today, XX/XX/2019 I got an update that XXXX XXXX Debt Collection Agency had placed a collection on my credit reports. This is first and foremost a violation by this company because someone called not even a month ago and I asked would this be placed on my credit and they stated no. So, I would like that last call pulled. 

Also, a few months ago. This company took money off my credit card after an automatic payment was cancelled. They even initiated the payment days earlier than the automatic payment. This is illegal and downright wrong! I would also like these calls pulled by this company as well. 

This company is in many violations and for the credit bureaus not to fact check but only go by what these companies do, I am disheartened to find this information out. I am disappointed in the credit bureaus and XXXX.
Equifax refuses to investigate credit inquires I have disputed this with the cfpb multiple times and no change from Equifax Equifax continues to state that I must contact the creditor if I disagree with the inquiry but Equifax continues to display inaccurate info at the expense of my credit score and credit reputation
As of today, XX/XX/XXXX, XXXX Mortgage now doing business as XXXX XXXX, has not reported my payment history nor my current balance to the 3 major bureaus since last year XX/XX/XXXX. I have been with this company for 4 years now. I have called them numerous times and even have a case open with them. They tell me the same thing, every time, " Your case is being worked on, we are looking into it ''. I believe this to be a lie! XXXX was just ordered to pay {$1.00} XXXX in penalties, and they still have not corrected the issue the were penalized for.