WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?
The company Portfolio Recovery Associates continually calls my phone after I have stated I do not wish to receive any calls from them and to only communicate via written notices in the mail. They refused to give me a mailing address to send a cease and desist letter. They also stated they will still sue me for the alleged debt even though it is past the statute of limitations.
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


Capital one XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Capital One auto finance- XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
A Collection Agency named Progressive Management say I owe {$330.00} to them for a medical bill XX/XX/XXXX. Which would n't be possible since I was under my mothers healthcare and barely graduating high school. I did n't know anything about this debt till I tried to get a credit card around XXXX. I got no letter or email saying I owed anything. It just stopped me from getting a credit card since this was on my record. I checked XXXX and XXXX to see if they can find it, I even called XXXX to see if they can find this debt I owed. But they said I had a clean record and I owed nothing. So I tried for a credit card in XXXX with my mother to see if I can do a joint account for a credit card and they told me the same thing. this debt collecting agency was on my record. So after that I research them and found out they scam people in debt that is not real. I found out they went for people who had someone deceased in their life. If it was their child, spouse, or even ex spouse. They have been around since XX/XX/XXXX. Now XX/XX/XXXX I finally have a credit card but still have this in my record and I just want it finally removed after finally getting this letter of last month showing that this company actually is on my record on this piece of paper.
THIS COLLECTION IS BEING REPORTED ON MY XXXX CREDIT FILE THIS IS NOT MINE
XXXX XXXX XXXX XXXX XXXX XXXX showing up in collection with a balance of {$0.00}. Do n't understand why this was put on my credit report, have n't received any paper work
Hi, My name if XXXX and I reside at XXXX MD. XXXX.I applied for a mortgage modification Loan with Ocwen Loan Servicing in XX/XX/XXXX. During this process Ocwen has made me apply for this modification twice in the name of not receiving the proper documents they need. I have also complied email of documents with I have sent from both emails of mine. I have a list XXXX emails of documents that I have sent on more than two occasions on supposed missing documents. I believe on XX/XX/XXXX I spoke to a Supervisor not an account Manager name but a supervisor with the name XXXX who I expressed my frustration of the process to have n't sent documents over on everything more than three times times and also to make sure that I was not scheduled for foreclosure. He assured me that I i did not have a foreclosure date and that I soon as they have everything need I will not be scheduled for forcefulness until I am fully reviewed for a modification more especially since I have never applied and also have n't been fully reviewed. He made me send the documents again and he personally called me to let me know that they have everything and I will be reviewed for a modification. 
I recently received a mail from an law company advising about a foreclosure on my property. I was very upset a reached out to Ocwen. I spoke to a gentleman name XXXX with Employee ID XXXX who assured me that there was no foreclosure date set. He guaranteed me that, that should not happen. I called again days later after speaking to Ocwen representing counsel who stressed that I am scheduled for foreclosure on the XXXX of XX/XX/XXXX. I called Ocwen again and spoke to one from their Escalation team name XXXX employee number XXXX. Which again assured me that there is no foreclosure set date. H e promised to have a supervisor call me on XX/XX/XXXX, but I received no such call. It seems to me Ocwen is looking for a reason not to give me a modification and then take my house from me and my family. I will also attache the numerous email. Can you guys please hep me keep my house for me and my family. We make enough to qualify for a mortification but yet are not even getting a chance to be reviewed.I also had a prevoius complaint whith complaint number # XXXX
spoke with XXXX at XXXX, we did a 3 way conference call with my bank.bank rep confirmed that a payment was made on XXXX-XXXX-19 to my XXXX  card.XXXX  stated that no payment was received on the card.i asked where did the money go that was taken from the checking account? XXXX stated she did not know.i was told to call back at another time.i have attempted to call back several times, they continued to route me to several others that said they have no knowledge of the XXXX  account.another payment is due soon, i do not know to who or where to send payment or if they will take the money and not credit the credit card. please advise thank you
Ive been a victim of true name fraud and ha had gotten most of the issue resolved. Experian has refused to remove the items even though I have given them documents from the other credit reporting agencies. Ive been disputing these issues for a few years now. The accounts are XXXX XXXX, XXXX XXXX, and XXXX   XXXX. I dont know what these are and want them gone. There are also the addresses of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never been affiliated with these addresses. There is also 30 different variations of my name on my file that they wont take off. And also a list of inquiries that I dont even have an opinion to request a dispute.
on XX/XX/2018 i Singh up for XXXX XXXX to repair my credit and after few months i canceled it due to my financial problem, so they messed up my credit score. then i've been trying to build my credit by my own up to XXXX. suddenly they called me last week trying get me to Singh another contract which i said no, then i cheek my credit score next day its dropped XXXX. they did the same thing with wife, her credit score was XXXX and when she cancel its doped to XXXX. please help us.
On XX/XX/2018, i was charged {$230.00} for wrong hotel services. I checked into a hotel XXXX XXXX, when I checked in, i paid with credit card, please note, I did not see the inside of the room yet. When I went to the room, it was dirty, smelled and wreaked of urine. I walked in and immediately left the room and told the XXXX I refuse to stay here. They said I already paid, I had to stay and my money was non refundable. I left the hotel immediately and told them I would dispute the charge. I never stayed at the hotel, I checked in and immediately left the hotel premises. I want to dispute the charge, its a false charge and Bank of America needs to correct the problem. Condition under dispute is Condition 13.1, Condition 13.3, Condition 13.5, Condition 13.7 ... .. all conditions I would like to dispute the charge under.
Called PNC Mortgage today in regards to terminating our PMI and the letter I received for the process. The letter states the investor requires the XXXX to be 75 %. I am at XXXX % LTV. I state that at 80 % I have a right to remove it or wait until loan date to reach XXXX % as scheduled. PNC Rep. stated the investor requirements were XXXX %. I asked how he can supersede the government? Secondly I never signed with PNC ( loan sold to PNC ) and I stated my agreement does not indicate XXXX % LTV on the documents I signed. so forth and so on. I also stated if I wrote a $ XXXX check today cut my loan in half and the new LTV was XXXX % would I have to pay PMI. She stated yes and the investor would need to review and an appraisal would need to be done at {$500.00}. I then stated the only way to eliminate the PMI with PNC would be to sell/refinance the loan to someone else. Long story short, I did not get anywhere with PNC.
I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by XXXX/XXXX and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.
Citimortgage was handling my deed in lieu and everything was done they even had an attorney XXXX send me the legal documents to sign. XXXX emailed me the documents on XX/XX/XXXX. We signed and returned the documents to XXXX overnight on XX/XX/XXXX which they received on XX/XX/XXXX. 

Citimortgage ( XXXX XXXX and XXXX XXXX ) told me that my loan would be assigned to another mortgage company on XXXX so I needed to get the documents signed and returned to the attorney 's office before XX/XX/XXXX. 

Although my documents were signed and returned to the attorney 's office on XX/XX/XXXX at XXXX. I received an email from XXXX XXXX at XXXX this morning stating " I was advised that the file has been service transferred. '' I spoke with the new servicer this morning and was told that the loan was not transferred until XX/XX/XXXX so I do not understand why XXXX did not complete the legal documents and complete the deed in lieu. XXXX and Citimortgage are just XXXX me around. 

As you will see from my previously submitted complaints that Citimortgage has never done their job. Why would they transfer my loan when the deed in lieu was basically completed. 

Also when they transferred my loan, per my conversation with XXXX XXXX XXXX d/b/a XXXX XXXX, Citimortgage did not even tell them about my deed in lieu or send them any of the information as to the status of my deed in lieu which I stated above was basically completed. 

Citimortgage is a horrible horrible company who I feel have fraudulently XXXX me and my family from the beginning and you ( cfpb ) have allowed them to continue to XXXX us around. They have allowed this process to go horribly wrong from the very beginning by not doing their job and I advised your agency of this with all of my documentation. 

You chose to not even read my documentation. Just forward a letter to them and let them respond and then you were done. When I tried to respond I was unable to. 

I need this deed in lieu completed as soon as possible.
Equifax reported a hack of some 143 million users ' private personal information today, XXXX XXXX, 2017. According to the website Equifax provides for checking if details have been exposed, I am among the victims. They have exposed my name, home address ( es ), social security number, driver 's license number, and other details. 

This leak compromises not only my personal credit, but potentially any and all banking services I use, as an attacker can potentially use this exposed information to gain access to my personal banking accounts, or other accounts that depend on verification of these details.
While checking my credit report, I noticed TransUnion has telephone numbers listed that I demand be removed from my credit file. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX
I have tried to fix my credit due to fraud and keep having issues with someone trying to use my identity to apply for credit cards. 

I have new inquiries that were not made by me. 

XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. 

XXXX - XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

EXPERIAN- XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
All the credit agencies reported a disputed phone bill with XXXX XXXX XXXX as current even though it was from 1998. This caused my credit score to fall from XXXX to XXXX and prevented me from leasing a car at a price I could afford. The collection agency for XXXX XXXX XXXX called XXXX did this to force me to pay this old bill that was a billing error. They should not be allowed to falsify information and the credit reporting agencies should be responsible for making sure information is correct.
This complement is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX My loan : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hi, My name is XXXX XXXX, XXXX gave me a 5 % reduction to pay off my mortgage and they report to the creditors than I owe XXXX {$5000.00} back in 2014 XXXX. Loan # XXXX property address is XXXX XXXX XXXX XXXX, XXXX fl XXXX. <P/>XXXX report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the Recording with XXXX  county wrong. Which they are re-recording that 's what they told me and will take 2 to 3 months. Spoke XXXX refused to fix my credit with Experian. When I speak to them XXXX representative they tell me they did not reported as short sale. I am not getting my issue solved by my self.
I agreed to co-sign for the purchase of a XXXX XXXX XXXX for my roommate, and specifically advised the Car Dealership that I did not want my name on the loan document as a primary. Wells Fargo the lender began sending the monthly statement with my name as the primary owner of this vehicle XX/XX/XXXX. I immediately called Wells Fargo to complain about this problem and reported this problem to the Federal Trade Commission. Wells Fargo then contacted me to inform me that the loan document had me listed as the primary owner. I explained to Wells Fargo that I am not the primary owner, and that they needed to correct this error. This error is a concern to me because it is on my credit reports, and the department of motor vehicle in California has me as the primary owner and when this vehicle has received parking tickets my name appears on the citation. I would like the CFPB to assist me in correcting this problem, Wells Fargo has the ability to fix this problem by either correcting the current loan document or refinancing the vehicle with the correct primary owner ( XXXX XXXX ) and deleting my name from the loan document or placing me as a Co-Signer. This loan *XXXX has been paid on time and this should allow this financial institution to not have any issues considering XXXX XXXX ( Primary Owner ) has paid on time.
In XX/XX/XXXX signup with XXXX was told it would work in the area I was living and that I had thirty days to return it- I returned it almost immediately and went with another provider -- he did not work correctly, connecting issues and dropping issues. I called customer service several times finally they agreed since we where out on the plains there could be connection or service problems in that rural of area. They told me what to do to send it back and I did. Only to discover years later 3 yrs later- they filed it into collections as if I didnt do something. I have tried to discuss and get it removed- collection agency refuses- I even talk with XXXX XXXX. This collections is wrong. Please review my credit I may get behind on Medical as Medical is sooooo hard but everyone of my consumer accounts get paid. 


STELLAR RECOVERY XXXX XXXX XX/XX/XXXX Open {$430.00} Account Details Last Reported XXXX Collection Agency STELLAR RECOVERY Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$430.00} High Balance {$430.00} Remarks Placed for collection Creditor Contact Details STELLAR REC XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX
I am emailing in regards to an erroneous account being reported on my XXXX  and XXXX consumer credit report. This company NCB Management is reporting this erroneous account on my report. I have attempted many numerous request by certified mail that NCB Management verify this account belongs to me by providing physical verification such as a signed contract and etc. Section 611 ( 5 ) ( A ) of the FCRA clearly states that this information should be promptly  deleted if it can not be verified.
Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. on XX/XX/2018, I submitted a complaint to the CFPB asking MIDWEST RECOVERY SYSTEMS to VALIDATE a debt that they alleged I owed. At that time I respectfully requested that MIDWEST RECOVERY SYSTEMS provide me with competent evidence that I have any legal obligation to pay them seeing as I had never heard of them, had no written contract with them and had never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS had submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and was demanding payment from me in the amount of {$410.00}. They responded to my complaint but made it very clear that I did not have any financial obligation to them in their response that stated " Additionally, a validation request has been submitted to our client. Once they have provided the requested documentation, it will be forwarded to you at the address provided in this complaint. '' I did not request for validation from their " client. '' I requested that MIDWEST RECOVERY SYSTEMS provide me with competent evidence that I have any legal obligation to pay them ( MIDWEST RECOVERY SYSTEMS ).
XXXX XXXX XXXX XXXX owns a lot in XXXX on XXXX XXXX and attempted to sell his lot using our office XXXX XXXX XXXX. We opened title at XXXX XXXX in XXXX and the title commitment came back yesterday showing a Lien on the vacant land from XXXX XXXX XXXX which has been bought out by Capital One Bank or Capital One National Bank ( unknown at this time ). We have tried to contact Capital One Bank however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed. My client paid cash for his lot in XX/XX/XXXX and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in XX/XX/XXXX. XXXX XXXX is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the Capital One bank sign a release of lien so my client can close on his vacant lot. XXXX XXXX XXXX Complainant 1 XXXX XXXX Complainant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
I have inquires on my credit report that do not belong to me. I have not applied for loans or cards from these companies but I still have hard inquired on my credit report Here are a list of inquires that are NOT mine see below. 
XXXX XXXX XXXX XXXX XXXX
XXXX was offering a XXXX dollar promotional credit upon opening a new checking account and receiving a XXXX dollar direct deposit. The credit was issued upon completion of this direct deposit but was later rescinded. After another XXXX dollar qualifying direct deposit from the same originating financial institution as the first one was received XXXX refused to re-credit the account with the XXXX dollar. They constantly bent the rules and kept referencing different rules etc. The requirements were met but XXXX wont make good on their offer.
Additionally, I have a  Fraud Victim Alert in  place with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?
I opened an Everyday Checking Account with Wells Fargo, that was supposed to be free of operating costs, and used it for a while. Without my knowledge, the bank started charging me XXXX $ monthly fee from XX/XX/2016 and swallowed XXXX $ in total in fee and started showing me negative.
Rise XX/XX/17 Called and spoke to rep to let them know I did not authorize them to run my credit and it was never removed. This is affecting my score.
TransUnion File Number XXXX XX/XX/2018 Account Review Inquiries has XXXX XXXX -- -- XXXX XXXX XXXX -- -- -- XXXX XXXX -- -- -- -- XXXX XXXX XXXX -- -- - XXXX XXXX XXXX showing on Account Review Inquiries and I don't owe any of these companies and should be removed
to me 6 days agoDetails To whom thus may concern, This is to advise you that the company, Santander bank, NA, did not address my concern in the least. I had requested that they consider my request that I pay them $ XXXX until all my mtge arrears had been paid up and it was never replied to by either their attorney nor their mortserv person whom I had contacted when this arrears issue first arose. Note, my mtge payment had been deducted from wife 's checking account monthly until I, not my wife, declared bankruptcy last XXXX, 2015. - then they stopped making direct withdrawals from her account. I had been instructed to contact their point of contact office and did so several times. They sent me a packet of forms to fill out, including my financials, reasons why I felt that I should be granted a mtge modification and was told to include any documentation relevant to this case. I did so and received a very perfunctory reply from them which you wrote to me that they sent to me/ you? on XXXX, after their underwriting team took a few weeks to consider my request -- namely that I was turned down due to " item # XXXX '', which, a few pages into their reply, explained that this was due to the fact that my residence was a co-op! 
I then decided to file with your agency and have been receiving annoying calls from the bank almost daily. When I speak to a rep, it 's always the same thing -- badgering me when/ if I can pay, asking me if I can borrow from a friend or relative, can I liquidate any XXXX I may have, etc., never any discussion about my proposed installment plan. 
note, my initial complaint with them was NEVER resolved. I had asked them to forgive the approx {$930.00} they tacked on to my 2 months mtge payments which are in arrears, for legal fees ( {$820.00} ), + late fees and inspection fees for an additional approx {$100.00}, due to the fact that it was THEY who stopped my payments from being received and the fact that XXXX XXXX XXXX, Santander 's attny, never got back to me to resolve this issue nor to address my request for an installment payment way back in XXXX of last year, despite both my and my attorney 's trying to resolve this issue with her. 
And as for their telling me in their explanation what they have done or will do to solve my problem, they have done neither, just a very tersely worded account stating that since my home us a co-op, that I was not eligible for a loan modification, which is NOT even what I was requesting.p in the first place. All I was requesting was for them to accept my installment plan and to forgive that addtnl {$930.00} they added due to their malfeasance.. 
I do greatly appreciate your allowing me to firstly file my complaint with your bureau and secondly, to dispute my bank 's reply. Thanking you for your time given this matter, I am, Yours truly, XXXX 
Incidentally, I hit the DISPUTE BUTTON BUT IT KEEPS ON SHOWING " SUBMITTING '' Reply Forward