WillisBack/dataset-financial-user-claim huggingface dataset:
I am very past due on my mortgage so I applied for mortgage assistance. Well it has been a very long process where the underwriter keeps requesting more documents that have nothing to do with me or my loan. In short this loan is in my name only and given to me without any co-borrower, not even my husband. Well now that I am applying for assistance, the underwriter keeps requesting income and expense proof for my husband 's business and expenses. I have repeatedly written letters to explain that these things only belong to my husband who by the way does not contribute what so ever to the mortgage because it is only in my name. Last thing they requested was a XXXX for me for XXXX from XXXX which is my husband 's business. I wrote them a letter to explain that I was not a XXXX employee in XXXX, I only became XXXX in XXXX of XXXX. They now have denied me saying that I did not provide documents. I have provided everything they asked for in regards to my income and expenses. How can I provide a XXXX when I was n't XXXX at the time? Please help me, they are only interested in taking my home from me and not helping me. Also, they are trying to force me to give them documents that belong to my husband. He is not on the loan and is not willing to give those documents or help me with anything. Please help me keep my home.
PRA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My complaint, includes debt collection that doesn't belong to me. On or about XX/XX/2018 at XXXX, I deposited CASH funds into my " personal checking account '' {$65.00}. My CASH deposit of {$65.00}, was deducted " immediately '' from my personal checking account by the bank ( for their improperly assessed NSF fee 's, unfair debt collection practices and unfair and deceptive practices against me and my personal checking account ) leaving my available balance at - {$68.00}. I have requested, to speak with a manager in the executive office ( as well as, attempted unsuccessfully to resolve the ongoing unlawful practices " internally '' with the banks many rude, evil and unprofessional representative 's ). I will fax any and all supportive documentation for the sake of this complaint. My personal information provided in this complaint isn't to be used by the bank ( or their subsidiaries ). It is for CFPB. -- THE END!
I paid off my Conn 's accounts, ( XXXX account paid on XXXX/XXXX/XXXX, other XXXX accounts paid on XXXX/XXXX/XXXX ) and they are still reflecting a balance to the XXXX major credit reporting agencies. 

I have written Conn 's and they sent me a direct letter back stating they are all paid in full and closed. At the same time I initiated a Dispute with the credit bureaus and they stated that Conn 's verified the balance being correct. 

This is a violation of the FCRA, FACTRA, and FTC guidelines and needs to be addressed. If they are doing this to me ... who else is a victim. 

Please assist me in bringing this company 's practices into the light for the world to see. 

XXXX SEE PAGES XXXX & XXXX to see the balances still showing** **ALSO ATTACHED IS THE LETTER SENT BY CONNS REFLECTING THE PAID STATUS IN XX/XX/XXXX BEFORE THE BUREAUS CONTACTED THEM**
I followed all the instructions from XXXX and contacted the company, their response was yes payments were received and the account has been sold, so although paid the other company now has the account. I asked if XXXX knows that its paid in full why wont they reports the account as paid?. Infield a complaint also with the FTC They gave me information on fraud Response to your complaint Ref No. XXXX. Thank you for contacting the Federal Trade Commission. We have reviewed your complaint and have determined that the following information may assist you. 10 Ways to Avoid Fraud - XXXX XXXX XXXX The Florida Consumer Collection Practices laws, XXXX to XXXX. This indicates to me there is some fraudulent activity from XXXX and XXXX. I have submitted the documentation that account is paid and it still stands on my credit as a refusal to pay and preventing me from increasing my credit score to purchase a home. The account is paid and to be advised to contact the reporting agency is crazy and also illegal.Florida has enacted additional laws that supplement the FDCPA, and may provide you with even greater protection than the FDCPA if you live in this state. Florida 's Consumer Collection Practices Act ( FCCPA ) protects you from abusive debt collection practices. Like the FDCPA, the Florida CCPA covers debt collectors. I have a private cause of action a creditor or debt collector has harmed me and are in violation of the FCCPA. This means that I can file a lawsuit in Florida against the collector or creditor. I may be awarded : actual damages statutory damages not to exceed {$1000.00} possible punitive damages ( at the judge 's discretion ), and attorneys fees and court cost I will move forward and also file a complaint with Florida 's Office of Financial Regulation. A debt collector ( but not a creditor ) uses abusive or deceptive collection behavior, I know I may also be able to sue under the federal FDCPA. For more information, visit XXXX XXXX Illegal Debt Collection Practices The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. Those who are exempt from registration include : original creditors attorneys banks and other financial institutions, and real estate and insurance professionals. Remedies for Failing To Register An unregistered debt collector may be subject to administration fines of up to {$10000.00}, plus attorney 's fees and cost.
I purchased a bank check in the amount of {$1500.00} payable to my granddaughter. My granddaughter missed placed the check and I put a stop payment on the item. I was told that the replacement of said item would take 90 days. I found this unacceptable. I tried to get them to replace it sooner and they will not.
I received a call from a restricted telephone number with the caller identifying themselves as XXXX XXXX. He stated that he was calling about a pending claim with my name and would be showing up at my listed address if I failed to call XXXX with pending claim # XXXX. They did not state what the claim was about or who I was calling at the given number.
XX/XX/2018 and XX/XX/18 I requested a copy of the original signed and dated contract for Each one of the debts reported on my credit reports, with my original signature validating me as the guarantor of the debts which the original creditor XXXX XXXX  XXXX requires you to sign at time and date of service, showing you agree to the terms and you are the guarantor that will be liable for any debt incurred from hospital services. 

The debt collection company failed to provide me with the guarantor document signed and dated for the date that each debt services were provided. This document is used to make sure that the correct person is identified and charged for the services. The debt collection company only sent a computer generated ledger showing the services that were provided on each date, the cost of the services on each date and that XXXX XXXX  XXXX placed this debt to my information. The debt collection agency failed to send the requested document to validate that these debts actually belong to me.
After applying for a mortgage loan, I was notified that I had a medical collection being report by XXXX XXXX XXXX for XXXX. I reached out to the company, and they are stating this is a medical payment they received due to nonpayment, however, I have verified with my insurance provider that they made payment on this directly to the medical provider. I then requested the collection company provide me an affidavit of debt to verify they had legal rights to collect and I was the actually debtor. The associate at Gold key stated they did n't need that and hung up on me.
Wells Fargo uses XXXX ( XXXX Account Updater ) and will not allow me to opt out. They shared my new information with XXXX and XXXX gave my new card number without my authorization to the merchant.
Online identity verification questions ask nonsense questions. Every year when I try to get my free credit report from XXXX, XXXX, and TransUnion, I 'm never able to get all XXXX reports. Every year at least XXXX of the XXXX asks, " In what state was your social security number issued? '' and it offers me multiple choice answers, including my state of residency, the state of Virginia, another state, and " none of the above. '' The entire question is nonsensical, because all any person can possibly know is in which state they applied for the social security number ; they can not possibly know in which state the social security number was eventually issued. This is particularly true in the case of anyone who has immigrated to America and has become a U.S. citizen, whose social security number was applied for from the national government and could have been issued, literally, from almost any state. This question is impossible to answer correctly. By asking this unanswerable question, the credit reporting agency has made it impossible to obtain my XXXX credit report online.
Under the recent changes to law, effective XX/XX/2017 Public Record data reported must include a minimum of name/address/SSN/ and date of birth in order to appear on a credit file. The credit bureaus haven't updated/reported this info and per the law Bankruptcies don't include this info and this should be removed promptly from my report.
Tri-State adjustments is trying to collect a debt that is past my state statute of limitations so I no longer ordered that plus they are reporting it to the credit bureaus and it is negatively impacting my score. I also believe that there may be more than one account related to a single debt reported to my credit agency which is making my turn off balance of amount of money old go up inaccurately
I would like to dispute that I closed and paid off my XXXX account a long time ago. I went into the branch to make sure my account was paid in full and in good standing more than several times to make sure XXXX did their job right, as i have had several issues and/or problems with XXXX charging my account for equipment i did not have and etc. When i recently applied for a loan, they advised me i have a balance of {$350.00} on my credit report from XXXX Which caught me by complete surprise! That is incorrect reporting to my credit report because I have made ALL of payments that I owe years ago. I do not owe anything else other than what i paid already! XXXX has made so many mistakes in charging my account, i 've had to go and have them correct the mistakes often. Today my daughter & I called the XXXX number to have this all corrected, we were transferred more than three times. We spoke to three different associates advising me, one said I owe for early termination fees, one said I owe for equipment not returned and another who said she could n't reference the old account, but said she was talking and/or chatting with customer services said i owe for services rendered. Seems as though none of the associates knew & understood their products and services in doing their jobs. This has been a really stressful process to get this rectified. I feel like they are taking advantage of the senior citizens. ( me ) everyday. I am not going to pay for services that was not provided to me! I cancelled the XXXX services a long time ago, that should have been the end of that. I paid everything owed to XXXX why do they still show i have a balance? XXXX has the worst customer service. This needs to be corrected asap!!!
My house is approved to close on a short Sale with Wells Fargo with a deadline to close by XX/XX/2016. 
Unfortunately the buyers title insurance company is requiring the signer of a previously filed assignment of mortgage between Mers and Wells Fargo be authorized in accordance with Oklahoma state law ( see Oklahoma Assignment and Satisfaction of Mortgage Law ). 
This assignment was signed by a secretary using an ink stamp and wells Fargo is refusing to show proof that this signer was authorized. Wells Fargo has stated the we will have to subpoena them to get a corporate resolution stating that the signer was authorized. 
I am attaching the approval letter, a copy of the assignment of mortgage in question, a copy of the title insurance policy requirement ( see line XXXX ), and a similar corporate resolution from Wells Fargo that would solve this problem ( given to me by the team helping me with a short sale ) We have provided everything Wells Fargo has asked for. 
Please help me to avoid foreclosure! We are so close! 
XXXX XXXX
In XXXX, I began the process of refinancing XXXX investment properties. Both are currently with Chase mortgage and the refinance would allow me to move to a long-term fixed rate, a change that is prudent and appropriate for me as well as Chase. Despite a strong beginning in which XXXX XXXX, my product sales associate guided me through product choices and expectations, the process went down hill shortly thereafter. The essential issue is that Chase would ask for documents, I would provide them, and then hear nothing for a month or so. After sending emails to ask for a status, the process would occur again, typically with Chase asking for the same documents that had already been sent and some new variations for good measure. There were XXXX of these iterations and it made me very frustrated. To be clear I UNDERSTAND THE NEW WORLD OF MORTGAGE UNDERWRITING. I get it. The world has changed and it requires far more diligence to get things done. The Issue that I have is the lack of communication throughout the process. Further, the simple lack of progress. Chase should have a system that alerts XXXX XXXX if the application is stalled in underwiting so that he reaches out appropriately to me as a customer. That did not happpen which required me to spend a great deal of time to try to manage my own application through the mortgage process. XXXX months later, we were essentially no where. 
XXXX XXXX, XXXX XXXX 's supervisor assured me that this was my fault. Clearly he did this without reading the file. 
XXXX has apologized for the many delays throughout the process, but frankly, I am not satisfied because the same thing is going to happen to the next customer.
Experian Report # XXXX Date XX/XX/2018 There has error regarding with address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX is not correct due to it has no number and not my address the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Merchants and Medical Credit began reporting on a debt they had acquired on XXXX XXXX 2014 and never sent written notice despite it being required under section 806 of the FDCPA. For 3 years they have been holding my financial life hostage and only recently came to my attention. Despite many disputes with the big three credit reporting agencies section 806 has been ignored and they have continued to break and ignore the proper procedures set forth by the FDCPA.
Experian has not provided any contacts, signed contract, sources or verification methods as required under the FCRA for an item I have disputed several times. Even though on different occasions I have requested such information, Experian, continues to ignore these requests and reports the now outdated account as verified. This account is not only erroneous but according to their reporting, as of XX/XX/2018, the account is now over 7 years old. This account is not only erroneous but is also outdated and should be deleted immediately.
For the entire year of 2016, I have been working with the credit company to resolve several issues on my credit report. The main issue is a bankruptcy I requested proof of validation, the credit company did not answer my complaint or directly respond to verification of the bankruptcy. I wrote the U.S. Bankruptcy court in South Carolina asking for proof that the credit reporting agency contacted them to verify validity of the bankruptcy. I have attached a letter from the clerk of court saying they do not answer request for info or send it out to credit companies. Since the credit company failed to answer my complaint within the time alloted by law, I asked for it to be removed from my credit file and any other accounts that are listed as a part of the bankruptcy.I have several documents I have maintained throughout this process, they are to numerous to send by e-mail, but if requested, I will gladly mail you all copies.
I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. OnXX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father XXXX miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights, for serving a summons for lawsuit that was dismissed
The idiots at Wells Fargo do n't know the definition of " XXXX '' and their so called " Senior Correspondence Specialist '' XXXX XXXX does not know how to address an issue that I raised in my previous complaint. Case number : XXXX All I am asking these XXXX is to send me their definition of a " XXXX '' and they seem to be not able to do that. They ask me to prove that I am a XXXX when they have no understanding of who a XXXX is. And their so called response fails to address that at all. 

I am at a loss of words as to describe the level of stupidity I have encountered. Their response to a CFPB complaint is to repeat the same old stupidity without bothering to read the complaint and try to understand the issue at hand. 

These XXXX belong in a XXXX and not in charge of a bank. I will keep raising complaints till someone with at XXXX gets to take a look at it. Please keep these complaints on their record for others to see as well. 

thanks
Around XX/XX/XXXX, I received a letter specifically addressed to me from American Express Cards Company. It tempted me to apply for a Blue Cash Everyday Card from them with the words " Earn {$250.00} back after you spend {$1000.00} in purchases on your new Card in your first 3 months ''. 

I applied for it and got a new card in XX/XX/XXXX. When I received the new card in mail, I called the American Express Cards Company 's customer service phone number to confirm their promise of earning {$250.00} back was a true deal. They confirmed {$250.00} could be redeemed as a statement credit after I use the new card in my purchases of {$1000.00} in the first 3 months. They also said the new card was effective from XX/XX/XXXX. So I started to use the card to pay my bills, buy insurance policy, and various kinds of shopping. By the end of the 3rd month, my purchases surpassed {$1000.00} on this card. To my surprise, the American Express Cards XX/XX/XXXX statement only redeemed {$100.00} as credit. I called their customer service, only to learn that I was entitled to earn {$100.00} instead of {$250.00} as cash back. I explained to them I had fulfilled my obligation to spend {$1000.00} in the first 3 months and requested them to respect their promise in the invitation letter sent to me. The representative said they had to make an investigation about the issue and then send me a letter about the result. There was never any response from them after that. No letter, no phone calls, or emails. Nothing. I made two more phone calls to their customer service. In the second call, a woman said the case is still being investigated and there was no decision made by her superior administrators. However, she said she saw the RSVP Code on that invitation letter shown on my application, but the case was pending. It would take 7 to 10 days to have any answer. Today I called them again, the Rep. said they could n't make good on their promise of {$250.00}. I asked to talk to his supervisor. After put me on hold for more than 10 minutes, a woman supervisor said that I am not eligible for that {$250.00} cash back because I did n't comply some of their conditions. What conditions? I asked, the only conditions on your invitation letter was to spend {$1000.00}, which I did as we agreed. I ca n't tell you more information, she said, but you just not eligible for {$250.00}. End of the call. 

As you can see, the American Express Cards Company made false advertisements to allure people like me for making them profit and then breached unscrupulously the agreement between us two parties. this kind of fraudulent schemes should be stopped.
In XXXX, we sold our home and closed our mortgage, which had been serviced by BB & T. BB & T was supposed to send us our remaining funds held in escrow. BB & T claims that they did so on or about XXXX XXXX. However, we never received the funds. After XXXX calls to the company in the late-XXXX time-frame, we were advised that we could call on or after XXXX XXXX in order to have the check re-issued without penalty. We did so. A replacement was allegedly sent to our new home address on XXXX XXXX. As of XXXX XXXX, we have still not received the escrow funds amounting to over {$4900.00}. After another call to the company, BB & T claims that we can wait again until XXXX XXXX to have a replacement check cut again without penalty. However, the company has offered no proof that the checks were ever transmitted before, no willingness to waive its " penalties '' ( which are likely booked as profit ) to re-cut the check and no interest in providing us with tracking information to confirm that the check is mailed or received.
Transunion inserted several inquires in to my credit report. I was never notified and did not apply for credit. 
inquires below listed are in error : XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX, personal XXXX/XXXX/XXXX