WillisBack/dataset-financial-user-claim huggingface dataset:
see uploaded documents. Mr. cooper offered a pre approved modification After the 3 trial payments got the modification paperwork and was appalled my mortgage lenth went  from 20 years to 40 years. When I called them was told oh a modification isnt always a good thing. How can they justify doubling from 20 to 40 its not right at all. Also from the moment they took over as servicer there has been numerous issues. I spent a lot of effort to get my ex husbands name off and now its back on there. 

i need help they take no responsibility for any issues at all ....
My Navient loans with co-signers are current. But they are getting calls at home and at work plus letter saying they must make a payment. I have n't been than 20 days late in  over two  years. I have n't been behind enough to warrant aggressive collections. I am worried that  XXXX   XXXX  is okay'ig aggressive collections efforts.
In XX/XX/XXXX and XX/XX/XXXX Freedom Mortgage lost my mailed in payment and filed derogatory reports to the credit bureaus. Though I immediately responded to them when they called stating my account was late with the check numbers, tracking numbers ( proving delivery of payment ) and amount of payment, EACH TIME they would not accept this information to begin to research the lost payment. EACH TIME they REQUIRED me to provide the front and back copies of the payment before they began to research. EACH TIME they provided the credit bureaus with derogatory reports about my payment history. EACH TIME their collection agents erroneously called me multiple times a week. This is highly unprofessional on Freedom Mortgage 's behalf to misplace payments and falsely state to credit bureaus that customers are late on mortgage when in fact their employees are negligent in their processing of payments. When Freedom Mortgage recognized the error, they should have IMMEDIATELY submitted corrections to my credit report rather than wait for me to continuously follow up with them regarding this error. In an age where EVERYTHING is maintained online, it is hard for me to believe that Freedom Mortgage is unable to search check numbers and access how the money was applied on their end. Freedom Mortgage should IMMEDIATELY change their procedures for the applications of mailed in payments.
when I review my statement I found the transactions blow XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX   XXXX XXXX CA {$2800.00} XX/XX/XXXX XXXX XXXX XXXX CA {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$4100.00} I did not made those transactions On XX/XX/XXXX I filed a frud claim to Bank of america and they told me that the transactions will remove from my account But on XX/XX/XXXX I found the transactions again in my account I called bank of america many times but no answer I filed a claim with CFPB Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Someone from bank of america called me and told me that they will review my case Yesterday XX/XX/XXXX I received a letter from bank of america that my case is denyed I moved from my old address ( XXXX XXXX XXXX, XXXX XXXX ) before these transactions I did not made these transactions and I did not receive anything from this company and even I do not have XXXX account I should have no liability and I am secure with the credit card
On Saturday, XXXX XXXX, 2015 I went to Chase Bank to cash check that wriitten and from Chase I show proper ID and they request me and other to pay {$8.00} to cash their own check. When I ask the tell and the bank respresentative they said do have this in written they tell customer this without legal statement to explain the fee nor is it posted in the bank Please investigate Chase Banks product and services and ensure the bank is working according to United States Federal Bankng Regulations
I have rented a car XXXX and paid the rental amount with my credit card. After that, i have received almost {$1500.00} bill from the same car rental company for damages to the car which i was not agreed. The rental car company had forged my signature on a paper to charge my credit card and bank of america has denied my dispute even thought the signature for forged ...
From the end of last year, especially from XXXX of this year, there are many unrecognized credit inquiries appearing on my credit report. I suspect that my ID have been stolen in a grand scale. How, who, and where could I find the right help to resolve this issue and prevent further ID theft crime? Thank you very much
I received an email from a collection company In XX/XX/2019, nothing via mail only email advising that I owed a debt. I immediately contacted them and advised them that the debt was not mine and i had no knowledge of said debt. I asked and probed for more information and all the information they had on file was incorrect. Including address, DOB, phone number. The representative did not even have a full Social security number and advised the debt was initiated via online. I requested proof and/or any documents associated with debt and was advised they did not have ZERO documentation everything was done online. I told the representative that I was disputing said debt and she notated it, not even 30 days later, the debt appears on my credit report. My rights as a consumer have been violated 1 ) i did not receive proper notification via mail 2 ) I contacted the company and disputed the debt and have not been given any proof of debt as requested as well as time and opportunity to show debt is not mine 3 ) Credit history has been affected ... I am requesting that the CFPB take a look into the practices of collection agency and demand proof of debt. If unable to provide, please remove from credit profile with all three credit bureau agencies.
Fraudulent activity caused my account to be overdrawn and frozen. My funds were taken by the bank and I do not have access to the money from my account. The problem was reported and followed up with phone calls, messages, and in-person visits. The bank took the money I should have given back to me.
On XX/XX/2018, I submitted paperwork to Equifax about incidents of Identity Theft, as of XX/XX/2018 they still have not removed the fraudulent data from my credit report.
After receiving notification from my credit montoring service that as XX/XX/18 a collection account was place on my credit report in the amount of {$4000.00} with Douglas Chancellor and Meyer Associates ; opened XX/XX/2018 ; which is false. I contacted XXXX by phone and filed a dispute. I also called XXXX XXXX XXXX corporate office to investigate the collection. I spoke to XXXX  would stated that there wasn't anything on file or in their system with my name on it, and to call back on the following day and speak to a supervisor that maybe able to assist me. I did so and was told to contact the collection agency listed on my credit report. In XX/XX/XXXX I filed a XXXX XXXX  which I had a loan with one of XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; which was included in my XXXX XXXX. I have not tried to make contact with this company in years. In checking my credit report I also noticed that an inquiry was made on XX/XX/17 which again I did not intitate and I never received any other loan from them. Douglas Chancellor and Meyers Associates has never sent me any correspondence or oral communication concerning this matter. Since placing this collection on my credit report not only have I been denied loans, credit, and a mortgage, but has caused my credit score to drop. It has yet to be removed from my credit report at this time.
I have been defrauded by Coinbase ... 
On XXXX XXXX 2017 I sent them a {$30000.00} wire which five days later I received an email from them stating that the wire would be reversed because it came from my business account and not my personal account. A week after I still had n't received the wire so I sent an email to Coinbase support team and they took exactly one month to respond! The response basically states that due to high volume of outgoing wires, my wire may have been delayed, however, all backlogged wires have since been sent and they are closing my case! As of today I still have not received the wire ... Its been a month and a half! I am not sure what else to do as there is no one to talk to with their company and ZERO support. I am begging you for your assistance. I want to know I did n't lose my {$30000.00}. Please respond, update me, or reverse the wire already as promised! I NEED this money and I NEED IT ASAP! I want to file a lawsuit but not sure which attorney to contact. If you are aware of a pending class action, please let me know. Thank you CFPB!
This company XXXX XXXX XXXX also operates as Resurgent Capital Services and they respond to me as Resurgent Capital Services, but the credit report states they're XXXX XXXX XXXX. 

I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. 

Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. 

Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$700.00}. 

The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. 

Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. 

Please advise immediately how you expect to proceed.
I am making a complaint against XXXX XXXX XXXX XXXX XXXX I have an open investigation with XXXX XXXX XXXX XXXX XXXX who refuses to fix a error on their part I Filed a bankruptcy and XXXX XXXX was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and XXXX XXXX REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!
Due to a divorce, I was late with my car payments from XXXX XXXX and my vehicle was repossessed. I spoke with a customer representative and paid the amount I was told needed to be paid ( {$2200.00} ) in order to get my vehicle back and make the account current. Once I was financially stable, I continued to make my monthly payment on time through EFT ( based on due date and grace period given by Ally Financial ). In XXXX XXXX, I noticed that my monthly statement started listing late fees and I called to inquire as to where these fees were coming from. I was so concerned that I actually made XXXX payments in XXXX XXXX and XXXX XXXX, to insure I was up to date with all my payments. After numerous attempts to get an answer, I sought out assistance through a financial counselor. The counselor also attempted to call and straighten the matter out and was first told that all my payments for the past 7 months were a month late and that is where the late fees were coming from. While looking at my current statement and the payment history the company had provided me, the counselor asked customer service about my XXXX XXXX payment and was told it was paid on time and in full ( which tracking back through my payments means I am not a month behind but current on all my payments ). Customer service has never been able to fully explain where the late fees originated and my monthly statement does not show that I am behind.
On XXXX XXXX, 2017, at XXXX XXXX Pacific Time, I called customer service to ask about disappearing charges. Customer service would not transfer to a supervisor, said I was wrong, interrupted me, and put me on hold.
My score drops about XXXX points ( from XXXX to XXXX ... ) for a month, there are some things that do n't make since ... 
My Credit Card Utilization - XXXX from XXXX XXXX, {$10000.00} Limit / {$8500.00} Used - it is 24 months interest free, but it is count as real credit card ... 
XXXX from XXXX - that XXXX is for 60 months interest free, but still counts as real credit card ... 
Credit Inquiries - I get a new mortgage this spring from XXXX XXXX, for some reason they have XXXX Credit Inquiries for the same thing .... 
in the same time, another bank run another Credit Inquiry fro the same thing and I only has been asking for quota ... 
I really do not remember asking XXXX and XXXX XXXX for anything and why they issued Credit Inquiries ... 
So, without even a late payment on anything, my score drops XXXX points, I do not think this is fair ...
Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from XXXX XXXX XXXX XXXX which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.
this XXXX XXXX from XXXX XXXX XXXX has called me numerous time and uses a different number to call this last time it was XXXX and left a XXXX number for me to call I called him for the last time today and again he has refused to send me anything in writing about this debt he said I owed and each time he has called it has been a different amount. I f I am not mistaken the debt collector is suppose to send after 5 days a notice in the mail and I have yet to see one. that is all I am asking for and his threate of other legal action is not worth the paper it is written on because he is very rude and I get rude back at him. Simply send me something in written form and an address to write them back and I will work on settling this debt. In other words send me the notice and the correct amount if you are legit and I will proceed from there.
I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. 

XXXX XXXX XXXX Inquiry : XX/XX/2017 ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 - Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.
I was contacted by Amsher Collection Agency via phone. I verbally requested the details of the debt mailed to me. The caller requested my credit card information after refusing to give me any details, stating only that this was for a previous debt and that I had already received written communication. I stated that I had not received any form of written communication showing I owed a debt, but that I would definitely pay if I truly owed anything. I again requested the details of the debt mailed to me, only to have the caller insult me and demand my credit card information. I once again requested the details of the debt mailed to me, requested that my phone number be put on their " do not call '' list, and disconnected. 
I have been receiving XXXX to XXXX calls a day, Monday through Friday, from Amsher Collection Agency. I have sent XXXX certified letters requesting the details of the debt as well as placing my phone number on their " do not call '' list. The harassment from Amsher Collection Agency has not ceased.
PNC repeatedly requested duplicate information which I mailed or faxed multiple times. In addition, they had access to 3 years of tax returns directly from the IRS. They still declined my modification request
I have been going back and forth with XX/XX/XXXXXXXX XX/XX/XXXX in regards to a vehicle that has been XX/XX/XXXX out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.
I retired from the XXXX. Postal Service and received XXXX pensions. The problem I ran into is I could not set up my online Social Security Account. I called Social Security and they investigated and found out because they use Experian data base to match addresses up to match me is why I could not sign in. My address with Social Security on file is XXXX. They told me to contact Experian to add my XXXX address to my profile. I contacted Experian and explained to them I need my XXXX address to be added to my credit report so I can go on line to set up my Social Security account. They said they can not add a XXXX address to my profile. I asked them why and they could not give me an answer. Social Security said I should not have a problem adding my XXXX address to my credit report. This is my address Social Security has on file ; PH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I lived part time in XXXX and XXXX. Please help me with this situation ... Thank You!
I have Private Mortgage Insurance on my mortgage loan. Each month around the XXXX or XXXX of the month, Plaza Home Mortgage Inc. takes {$240.00} from my escrow account to apply towards the PMI. This month, they took {$240.00} on XX/XX/XXXX. On XX/XX/XXXX my mortgage was paid in full 100 %. However, they took a 2nd PMI payment out of my escrow again on XX/XX/XXXX in the same amount of {$240.00} even though they had already taken it out on XX/XX/XXXX and even though the loan was paid in full. I attempted to communicate with them and asked them for an explanation and have received no response back. 

This does not seem like a fair practice and quite frankly, appears to me to be fraudulent activity to take a 2nd payment out since the loan was paid in full and I do not believe they should be able to take another PMI payment out unless there was still a balance the next time a payment was due, which there would not have been. Something does not seem right about this.
The computer glitch that Transunion had caused my inquiries to be deleted. Transunion later added them all back on my credit report without giving me the legal required wriiten notice five days prior to them re-adding. I have contact transunion in good faith on 2 separate occasions to ask them to delete the inquiries that they have illegally re-added but they have not done so. They told me I have to wait until they dropped off and the were unable to help me with this matter. These inquiries add an hardship and my rights were violated by transunion. I am asking and pleading for your help to have transunion to stop victimizing me. As a a resolution may all of my transunion inquiries be permanently removed from my report as a violation that took place when they were illegally added.
Debt collector threatened to sue me over time barred debt. When I told them this threat was illegal they told me it was not. They said they were an attorney who bought this debt & they would be serving me in the next few days with a lawsuit over this time barred debt. After hanging up with them they immediately called me back to threaten & harass me further.
I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan.
I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.
Hello! I am a single mother struggling to make a better life and I had my score up to XXXX and higher to get a mortgage then XXXX on XXXX seperate occassions accused me of owing money which both times their company admitted fault and removed it HOWEVER my creidt score reflects as if i owed this for the almost year it was on y report and i didnt know : ( Now i a renting at high amounts and my score is XXXX!!!! HELP!! Please!! This is the problem in america we have become just like 3rd world counbtries where the rich and large companies are allowedd to hold down the common man /woman