WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I took out a mortgage on my home $ XXXX the first few months it was transferred several times until it was acquired by XXXX and I made my payments to them until XXXX XXXX when they returned my last payment and informed me that it was now being handled by Ocwen Loan service and that I would be receiving information from them very shortly where to make the payment. After waiting a couple weeks and not hear from them I contacted XXXX because I started receiving letters for nonpayments and threats of foreclosure. In XXXX XXXX I asked my principal balance it was {$130000.00}. So I contacted Ocwen to be informed it was not all in their system and I would be contacted as soon as everything was transferred. Several weeks later I contacted Ocwen again at that time ask my principal balance. In XXXX XXXX they sent me a payoff quote of XXXX I immediately started disputing it. That is when my nightmare began. On XXXX/XXXX/XXXX I made a payment of $ XXXX Ocwen by wire transfer. In XXXX I made payments in a total of {$22000.00}. Still fighting with them. In XXXX I received a letter of foreclosure. Tired of the fight I Wired {$5000.00} to Ocwen. Thinking everything was done I waited for my releasably of lien to my surprise instead I was served paper on forclosure had to hire lawyers and go to court on our court dated my Lawer provided theirs with all pymt proof, insurance, tax reciepts, and a letter from a CPA stating as of XXXX XXXX Ocwen had been overpaid {$3000.00} so we did n't go to court. A week later my attorney received a letter from their attorney informing him that he was withdrawing from the case because even with all the reciepts and letter Ocwen want to continue with foreclosure. And again I was served papers by a different attorney foreclosing. I met with my attorney that day we decided to contact their attorney settle then file suit for the money over paid and the settlement amount. This was XXXX XXXX he sent their attorney a cashier 's check for the amount of {$3100.00} Again I thought it was over. But I continue to receive letters instead of the release of lien so in XXXX of XXXX I had to stop payment on the cashiers check and have a new one issued because when my attorney spoke with Ocwen he was told ( it 's somewhere did n't know where ) and I had to sign a new payoff Affidavit that stated I was not going to try to recover funds in the suspended account or any overages that I my have paid and could n't make any derogative remarks about Ocwen. Finally on XXXX XXXX I received a letter of satisfaction. ( recovery, release / discharge ).
I am requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file, of the account listed below. In the event that you are not able to provide me with Verifiable Proof, Then I am requesting that the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
{ Credit Bureau : XXXX, Transunion } { Credit Bureau : Address { XX/XX/2018 } RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made. 

I contacted [ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ [ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX CA XXXX
I filed bankruptcy on XX/XX/XXXX and it was discharged in XX/XX/XXXX. I submitted these records to XXXX  and ask that they send me a copy to reflect as such. They sent me a copy of my file stating everything was clear in the file and that nothing exist in it. I preceded to apply for a new checking account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly at banks, credit unions and for credit cards, but continued to be denied as a result of the information received from XXXX. I did a follow-up phone call with XXXX  and again they verified nothing was in my file. A year later I tried again to apply for checking accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still were denied based off information from XXXX. I again submitted a written request to find out what is on my file, I received again another letter indicating again that nothing exist in my file. so I applied for new checking accounts and credit cards XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with continued rejection based off of XXXX records. I again contacted them in writing and was told on XX/XX/XXXX that nothing was in my file. Finally I wrote for a re-investigation and received on XX/XX/XXXX a letter that they determined that there was three entries that was in my file from XXXX XXXX date some back in XX/XX/XXXX-XX/XX/XXXX, that this old information should have been removed years ago but was not. I feel that XXXX  should be accountable for all of my stress and down fall of credit and bank accounts, as a XXXX person this cause a great deal of unnecessary credit issues and held me back from an opportunity to build my credit.
I checked my credit report on or around XX/XX/2018 and noticed XXXX XXXX  in XXXX TN had put a hard inquiry on my credit recently and one in the past. NEITHER INQUIRIES WHERE AROUND THE TIME OF MY CHECK CASHING. I called the office and asked why did they do this and she informed me that she was doing it to find my other creditors to call them to inform them of my account with them and to make my credit suffer from the hard hits. I did cash a check from them but the information was misleading and I did not consent to any credit check. The check was received in the mail as a preapprove offer. I have been cursed out and harassed by this office, and I need it to stop.
On XX/XX/XXXX my Capital One credit card account had an unauthorized charge of {$620.00} from XXXX XXXX and {$34.00} from XXXX. These charges were immediately disputed as fraudulent activities. Capital One has closed the account and reissued me a new account. But the same amounts from the same merchants were charged to my account repeatedly every month since XX/XX/XXXX until XX/XX/XXXX in spite the multiple attempts to change my account no. and credit the same amounts. I have spent multiple hours speaking to multiple agents in numerous occasion about this matter. On XX/XX/XXXX, they made a resolution and concluded that they were missing a credit of {$620.00}. But on XX/XX/XXXX, Capital One issued a rebill of the same amount they credited on XX/XX/XXXX. On XX/XX/XXXX, I made another phone call and requested a written explanation and/or computation about this long-drawn issue. According to Capital One they will escalate the said matter and give me a resolution and a follow up phone call within 72 hours. No follow up phone call was received nor a conclusion given. This issue has consumed so much of my time without any resolution. Despite several complaints, they have not resolved the issue in accordance with resolution prescribed by federal regulation. In my limited research I noted under EFTA ( reg e ), a financial institution is required to resolve the issue within 45 days. This has become a burden of mine for a year now. I have been a good customer of this company since XX/XX/XXXX and has been a responsible consumer since. I appeal to your good office to assist me finalize this matter once and for all.
On XXXX XXXX, 2017, I received a phone call from XXXX XXXX XXXX XXXX ( a PayPal debt collection company ) at XXXX XXXX.
I am a graduate of XXXX XXXX. I attended an online XXXX XXXX in XX/XX/XXXX, which I had to drop from due to motherhood, and then the XXXX, Tx campus in XX/XX/XXXX. The course that I had applied for ( XXXX XXXX ) had cost a little over {$46000.00}. I had completed the course and I graduated in XX/XX/XXXX. At the time of graduation, there was words going around that the XXXX campus was going to be closing down. At the time that I was attending the online program I was set up with a XXXX XXXX loan. Not knowing why I was being set up with it, when I was using my G I Bill because at the time I was a XXXX XXXX XXXX. I was promised job placement upon graduation and help with the career counselors with my resume. The career counselors seemed like they did n't know how to put together a professional resume to help students get the job of their studies. So now I 'm left with multiple student loans on my credit. I never had any desire of a student loan because I was entitled to use my post XX/XX/XXXX which I did and now I 'm stuck with them on my credit report and no job in the field that I study for.
Recently, I received a letter demanding an unknown amount of {$3600.00} be paid on an old account that was vacated as paid in 2013 for the same account. This letter provides false information as a threat to issue a judgement.

Under law a matter can not receive a double judgement for the same account. This would create multiple judgments for the same account known as Res Judicata. My consumer rights have been falsified with improper information and unnecessary threats to harm my credit. I request a complete investigation into this matter.
Portfolio recovery keep reporting that i per a debt from several years ago and was not contacted before putting this on my credit report.
I was in  XXXX  school in  XXXX  at  XXXX  and when I went to the financial aid office I had  one or two da ys to sign my loans before school started. I got a " public loan '' fro m Navient as well  as private loan from  XXXX   XXXX . I got a telephone call fro m Navient on m y cell phone in  XXXX  asking if " I 'd like to consolidate my loans for a lower rate today over the phone ''.     I was in financial distress so I agreed to. However, today I still have about  XXXX  different loans under Navient, and they are all different interest rates and not consolidated into  XXXX  fixed loan or interest rate. It was all very confusing and of course I was going to say 'yes ' over the telephone if I thought I was going to consolidate my loans and lower my monthly payment. I 've been taken advantage of by Navient and  XXXX   XXXX  and it all started at the financial aid office at  XXXX .
Nelnet called me and said they could consolidate my student loan, but all they did was still my money and mess up my XXXX information. I very perturbed, hurt, and sad that they have done this to me. Can you please help me? Thank you for your time and may XXXX bless all your endeavors!
I signed up for and met the use requirements for a Frontier credit card with a bonus of XXXX miles. Barclay, the credit card company involved, sent a statement verifying I had met the purchases amount and was now eligible for the mileage. Multiple emails and phone calls have resulted in nothing but wasted time and frustration and the cost of multiple flights to care for my mother during her XXXX illness that would have been covered by the mileage if I had received it. I also contacted Barclay for help and they were only able to confirm my eligibility and refer me back to Frontier
This is a follow up to our attorney 's response regarding complaint # XXXX. ( see attachment ( Exhibit XXXX ) Exhibit XXXX contains certified receipts that contradict PNC 's assertion the documents were not furnished timely to loss mitigation in XX/XX/XXXX and XX/XX/XXXX. Exhibit XXXX provides a complete tracking of all activity through XX/XX/XXXX. Not the XX/XX/XXXX submission was documented, but we are not able to provide the dated fax. References to XXXX XXXX are documented by their own tracking of their activity when they represented us. 
PNC also asserts that we would not allow appraiser on our property. That is incorrect. First, these were realtors seeking to perform a market analysis. Second XXXX realtors were denied access our house because they would not identify with whom they were working. An additional realtor ended the property under false pretense stating she was showing the property., but actually performed a market comparability calculation. 

Exhibit XXXX contains public records of mortgage filings pertaining to our house. XXXX filing was the construction loan. A concurrent filing was made for our XXXX construction loan. At the time construction was complete, we expected a permanent mortgage to be issued. There is no such filing. We also expected conversion of the XXXX construction loan to a home equity loan, which is shown in public record. Neither of the first and second construction loans were removed from public record. to this date. Even our judge in foreclosure proceedings finds this unexplainable. 

Exhibit XXXX contains final mortgage calculations provide by the opposing attorney in foreclosure proceedings. It shows the original construction loan and the construction loan balance after payments were made. The documents purport to add costs of extra features to the construction loan balance. Instead, when you do the math, they add the extra cost to the original construction loan to derive the mortgage amount. We were overpaying principal and for approximately 8 years. 

Exhibit XXXX contains our credit rating information. Our credit ratings were perfect prior to losing my job. Based on information provided by PNC Bank an PNC Mortgage our credit rating is weak to fair. The reasons stated by the credit agencies are that our house is repossessed and foreclosed. This is not true. We are living in and maintaining our house while in being loss mitigation for over 4 years. I have tried unsuccessfully to correct this misstatement. The credit agencies also report based on PNC ' information that they have written off the home equity loan. Yet, PNC Bank has sent XXXX collection agencies to try to collect. PNC fails to provide the agencies the fact the Bank loan is subservient to the Mortgage companies loan. This is the situation our lawyer questioned in the rebuttal to PNC 's first response. It does not make sense that a primary lender approves a deed-in lieu of foreclosure, but the junior lender denies the senior lender the ability to follow loss normal mitigation procedures.
I was behind on my credit card, I say at least a month or two. I ended up paying it off then the company said my account was closed but I 'm still receiving payments I need to make.
I have been in contact with Equifax in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and XXXX by certified return receipt XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that Equifax did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from Equifax to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with Equifax, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!
Dear CFPB, I will continue to submit complaints until you hear my plea 's. You hear and do nothing and I wish you would take action. I continue to be bullied and overcharged for interest by a predatory financial center. Every time I email and request help, they extend the abuse, hopping I will quit complaining and raising my voice as an oppressed consumer. But I will not, I will scream at the top of my lungs to the the rulers of the jurisdiction under which they lay. 
You, Dear CFPB, must speak up as a voice of the people and answer the cries of those without a voice, you must give the key to those shackled by the tyrannical oppressors! It is you oh great CFPB that must answer the call and respond to the injustice laid before you here today!
I have filed a previous complaint about this company.. I have made several attempts to get more information as to if they are a valid company to continue to take payments from me. This company called me out of the blue after I was taken to court by my apartments called XXXX XXXX in XXXX Texas. The apartments went to court in XX/XX/XXXX with informing me of the court date. They settled on an agreement and I was n't present. since this settlement I have paid a company called National XXXX System almost XXXX without even seeing the agreement that was made between them and my departments. I have requested several times for them to show proof that they are a legitimate company including XXXX lettters in the mail. I have asked for the documents that were sent to the company by my apartments on XX/XX/XXXX and I have still not recd anything. I need this company to refund me all my money back unless they can prove to me that they are legally able to take this money from me. I need this company to be notified so that they take this debt off of me or they will be sued. Attached with this complaint is the letter I recvd for the balance I owed for my apartment which was XXXX. I paid off about XXXX dollars of that and with the XXXX I have paid these apartments, that balance should have been paifd off a long time ago. I am being scammed and I refused to pay them any more money until I get this remaining balance removed from my acct.
This is our second complaint regarding our mortgage company ( Caliber Home Loans ) and our efforts to secure a loan modification. Our original complaint # was XXXX. We are submitting another complaint as we continuously believe that the escrow amount that Caliber has assessed is more than XXXX what is needed to cover all taxes. As a result of our original complaint, Caliber claimed that the total of all of our taxes are {$580.00} per month which we agree with. They are adding {$880.00} onto the {$580.00} for a total of {$1400.00} just for our escrow. This is more than than XXXX what is necessary. Consequently, our total mortgage payment is ridiculously high ( {$2300.00} ). We have been trying for some time to get a loan modification with Caliber. It has been difficult to say the least, and efforts to get any questions answered via phone is impossible as customer service representatives are unable to answer questions or direct us to someone who could answer the questions. Caliber recently offered us a loan modification agreement which resulted in the {$2300.00} per month payment which included an interest only payment of {$200.00} which we understand and {$690.00} which is an ancillary payment over a XXXX month period to cover taxes paid on our behalf. We understand this as well. Then, an escrow payment of {$1400.00} is being added onto that for our current and future taxes. The total of our taxes per year is {$7000.00}. When we reviewed Caliber 's breakdown that they revealed in the original complaint, {$580.00} per month was necessary to cover the {$7000.00} taxes for the year, and then they added {$880.00} per month onto that for a cushion. We feel that this escrow payment is ridiculously inflated and unnecessary ; however, Caliber will not consider a review to possibly reduce it. At the end of the year, with an escrow payment of {$1400.00}, we would have accumulated {$17000.00} which is enough to pay this year AND next year 's taxes and STILL have some left over. We just do n't understand this at all. Please please please help us with this. We appreciate any help you can give us. To be honest, we are totally disgusted with Caliber Home Loans, and we do n't trust them at all. The loan modification process was a nightmare as they told us that they do not participate in President O'Bama 's modification programs and would have to rely on their own in-house programs. We have watched unexplained charges accumulate at an alarming rate over the course of a year as well. We did n't choose this company, we inherited Caliber. At this point, we just want the truth and an honest loan modification that we can trust and have faith in. The fact that Caliber representatives can not answer our questions or direct us to someone who can is so alarming and has us believing that this company is dishonest.
Charged {$37.00} on XXXX & {$32.00} on XXXX. Total charge {$69.00}. Made XXXX Payment of {$69.00} on XXXX. Also made a XXXX Payment of {$1.00} on XXXX from XXXX XXXX Checking. XXXX XXXX, XXXX XXXX ONLINE PMT XXXX. On XXXX Bank of America made a Small Balance Adjustment of {$1.00} taking my + {$1.00} balance to $ XXXX. Contacted BA & on XXXX they made a Small Balance Adjustment & returned the {$1.00} stating it was a computer error which left me a + {$1.00} balance. On XXXX another Small Balance Adjustment was made & they took the + {$1.00} from my account leaving me again with a $ XXXX balance. Unable to obtain any answer from BA Customer Service Dept. as to why this keeping happening except that it is a computer error. Need to know when they are going to return the {$1.00} to my account and what steps they are taking so this will not happen again. Was told this has happened to other clients also.
I contacted Equifax in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. Equifax responds and states that they need additional information. However, I have supplied all information needed. Equifax then responds that they have verified the accounts with my date of birth, social and address. However, Equifax JUST,XX/XX/XXXX, updated my records with the correct date of birth at my request. Therefore, it is impossible that these accounts were verified accurately. I have even requested for a copy of any of the contracts I initiated with my signature to be produced by Equifax. Still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX XXXX.