WillisBack/dataset-financial-user-claim huggingface dataset:
I was approached by Freedom Mortgage company via mail regarding a Streamline VA IRRRL. From the beginning ( loan application ) the loan officer put the wrong property values in the loan application. They fudged the numbers in order to make it appear as if the new loan would save me money. I am not XXXX consumer and I know that .5 % is not going to save me a significant amount on my monthly payment. The disclosure said " existing loan '' and those numbers do not reflect my current payment even after I give them my specific loan amounts. I rejected the loan application and told them that once they applied the exact numbers I provided them I would sign the application and we could move forward. The loan associate made the adjustments and we moved forward. I assumed that this was human error and that we could move past this and get on with the process. I specifically told the loan associate that I wanted the principal balance of the loan to remain the same. That I would pay all prepays and escrow at time of closing. I was very specific about this. 
Flash forward 30 days. Delay, delay, delay. That is what they did. Error after error on closing disclosures, double charging prepays and escrow amounts. Submitting then resubmitting so many erroneous documents that it was confusing to determine which was the last incorrect disclosure. Promising time and time again that they would take care of it then not respond. they pushed out the closing date again and again. Then pretended that each error was in-fact an error and not intentional. This is the name of the game with this particular company ( Freedom Mortgage ). Their claim, a no cost VA refi., yet they manage to fudge the numbers and some how the principal on the loan grows by {$2000.00} to {$3000.00}. 
The pay off shows how much is required for escrow and interest. I know because I viewed the pay off statement. I also know when my taxes are due and I know how much I have in escrow. 
This company creates confusion and I think that they are hoping that the customer will just give in and say fine lets just close this loan. It 's a tactic. Confuse consumer with the documents and the figures, tell the customer that is just how home loans work. In the mean time make the numbers are so ambiguous that it appears that the customer is saving money. It is all smoke and mirrors with Freedom Mortgage.
I missed a payment on a new loan by a few days. US BANK proceeded to call me at home and at work for XXXX day XXXX times a day. I paid online as soon as i realized the error i had made but they continued to call me. When I answered the call they continued with a very rude attitude even after I told them i had resolved it.
Focus receivable called me about 10 times and said I would be served legal papers at work and would make sure everyone at work knows. They also said they have a warrant for my arrest! 
They said I was guaranteed to do 10 years in prison.
I first contacted Grant Mercantile which I believe is a collection agency on XXXX. When I contacted this company about the accounts they have furnished on my credit reports they verified the accounts with the credit bureaus without supplying any proof that I owe the debt. I am also disputing with the credit bureaus, but I am being ignored by Grant Mercantile. 4 accounts opened : XXXX. XXXX. XXXX. XXXX.
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. XXXX, a XXXX XXXX, also known as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) assumed my VA loan from another mortgage carrier. My auto-payments were going to the original lender, and in XXXX and XXXX of XXXX, while mobilized, they reported a 30 and 60 day late payment ; though the payments were being made in a timely manner ( to the original lender ) I was not aware, as I was overseas. Then in XXXX of XXXX, I was again mobilized for 70 days and they again reported a 30 day late payment, when I had told them that I needed a few extra days, and they agreed and agreed not to report my late payment. I was late by 3 days. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
The servicer is Nelnet for the student loans by me XXXX XXXX loan number XXXX and my daughter XXXX XXXX account number XXXX. They are ruining both of our credit scores by not allowing us to make payment in full. 
I have power of attorney from my daughter to handle the student loan debt and have communicated with Nelnet on behalf of both us via certified mail that we wished to make payment in full under the following conditions : 1- That we receive a certified and true itemized bill showing the original amount loaned and by who? 
2- Confirmation if the loan has been sold or converted to a Student Loan Asset Backed Security ( SLABS ) and who the true current creditor and owner of this debt is. 
3- That once we make payment in full to the verified true creditor, that we will receive our original promissory note with original signature, so we cam destroy it and prevent anyone else from making the same claim in the future. 
All of my certified mail to the CFO of Nelnet repeatedly requesting that he provide me this info so I can make payment in full, have not been answered. I also explained that under Florida law and UCC commercial law, when a person makes a certified statement to make tender payment in full, and such payment in full is rejected by non-response or acquiescence, such debt is considered non verifiable and discharged. Regardless of my several written certified mail attempts to make payment in full, this collection agency and its CFO, have purposely denied me the right to pay the true creditor and continue to harass and financially harm me by destroying my credit score.
Deposited {$13000.00} into account from my retirement service and they are holding the funds for 11 days even though the check issuer, XXXX bank says they can clear immediately if they contact them. I called my bank USAA and they said there is no way anybody can release anything that is an automated process and it determines itself the time to release funds. Are we not human anymore? I am facing eviction and that is the only reason I took money from retirement. This is abusive and it clearly shows how wrong the system is. They will keep that money until they legally can even though they got the funds cleared. That is stealing money from me and gaining interest or whatever works for the banks advantage. The laws should protect the consumer and the money you deposit should be released to you once it clears not when they say Please help us in amending these rules that clearly favors the banks and not the consumers.
XXXX/CBNA, XXXX XXXX XXXX, XXXX XXXX SD XXXX did an Hard Inquiry on XXXX XXXX. 2017. on my credit report. This hard inquiry occurred without my permission!
Due to an error of a 30 day late payment posted on my credit report on or about XX/XX/2018, I had endured several account closures and credit line decreases with Synchrony Bank since that date. I noticed the error around XX/XX/2018 and I notified XXXX XXXX XXXX with the error and asked XXXX to remove the error. Then, I notified the credit bureaus and filed disputes in regards to the negative information and ultimately had the negative erroneous information removed successfully from my credit reports. However, Synchrony Bank has continued ( even through XXXX using XXXX and previous credit reports prior to removal of negative errors on my credit reports ) to close and/or decrease credit and charge cards lines of credit using information provided while I was in active dispute of the 30 day late payment which was removed from my credit reports. 
I even paid off a Synchrony credit card down to a XXXX  balance in XXXX and within 30 days ( XX/XX/XXXX ) Synchrony Bank closed that account using the XXXX credit report reflecting incorrect data. 
This action of closing charge and credit cards is negatively affecting my credit reports and credit scores. At no fault of my own, I have been dealing with the consequences of an error made by a third party and suffering consequences as a direct result of the third party. I have never been over 30 days late for any payments on any accounts and I have never been with Synchrony Bank. All of my accounts have had at least the minimum payments made on the due dates on all my accounts and I do not deserve my credit lines to closed or decreased when I am a good customer. Ignoring current credit scores and reports and using inaccurate information against me seems to be questionable on several levels. 
Were the credit bureaus required to send the corrections made to my accounts to my lenders?
Capital Accounts called me to attempt to collect a debt ( medical ) in the amount of {$930.00} on Friday, XX/XX/2018.I explained to the debt collector that I will speak to the creditor directly, because I have enough evidence to support my case to ensure I do not owe this amount. Furthermore, she should cease/ stop calling me because she should contact who she purchased this account from. I would be disputing this matter immediately with their office. She decided to follow up with an email which i disregarded and spoke directly with the Creditor and scheduled an appointment. Today, XX/XX/2018 I receive another call from Capital Accounts from the same individual who says she will not honor my cease communication request because it wasn't done in writing. Additionally, with a very condescending tone she asked why hasn't the creditor ( Capital Account 's Client ) hasn't reached out to them. I told her I would not know and I wanted her to stop calling me immediately. I feel that this company is not following FDCPA regulations and is not investigating debt matters the way other debt collection agency/firms tend to do.
On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped over 40 points. I logged on and found that Stanislaus Credit Control had illegally posted a collection account and the original creditor was XXXX XXXX XXXX. I have never heard of nor had an account with either of these two companies. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$470.00} I have no know knowledge of these two companies nor this debt. I have never had an account not any dealings with either of them. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requesting evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. 
Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account ever in the mail. They have illegally posted and reported to my credit file file without adhering to the FDCPA laws. 

When I got the email on XX/XX/XXXX, proceeded to contact them via phone number that was listed on the account ( XXXX ). From the first time I called up to now, no one is picking up the phone and the phone line says to leave a message. There is no other contact information, but by phone. However, there is no voicemail prompt to leave a message. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. 


Stanislaus Credit Cntrl XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX
Equifax, through gross negligence and a failure to protect my confidential information, has exposed me to a lifetime of increased fraud risk by disclosing my credit report to an unknown adversary during their 2017 data breech. Through absolutely no fault of my own, a vendor with which I have never contracted nor approved has leaked my most personal identifying information.
My wife and I have had a business checking and credit card account since XXXX. After my wife passed on XX/XX/XXXX, I immediately paid off the card, including charges pending. When I told the joker in Texas of my wifes passing, he set me up with a reference number for submittal of death certificate, mentioning ONLY fraud protection. Instead, B of A cancelled my credit card. They could not have handled this any worse. Ill have nothing more to do with the Bank of America vultures. 
As an aside, XXXX Bank has confirmed that the card we have there is still working, and they issued another card since they were so aghast at B of As actions
I got a call from the XXXX XXXX XXXX from phone XXXX. Then I was referred to Bank of America customer service at phone XXXX. I do not owe any unpaid late debts.
paid my loan in full on  XXXX / XXXX / 2017  and is still reporting as an open account affecting me getting approved for a mortgage . Bmw financial services said there is nothing they can do I have filed a dispute with  XXXX  and they said BMW i s not responding. although the account has been paid it is still reflecting on my credit file as open.
American Express sent a new credit card in my name to XXXX California and cancelled the card I possessed in XXXX. My identity theft service and I spent numerous hours with XXXX resources around the world, and all American Express personnel continually refused to give me details about the fraudulent telephone call, and most did not call me back as they said they would. Their response to my original letter did not in any way answer my question or resolve my issue. Specifically, I want to know what that criminal said that caused American Express to send a credit card in my name to an address that was never ever on my account. I also want to understand the policies and procedures for sending credit cards to addresses that are not part of the account, and what the law states. 

I placed my American Express credit card on hold until I received the info that I requested, and I never did. This month, they have billed my account for an annual fee, which I am obviously not paying, I only used the card for 4 months after I got it and until this situation is resolved to my satisfaction, I will keep the card in an inactive state. 

I would like someone to contact me with the information requested so that I may evaluate the security practices and my desire to keep this credit card. I have a right to know the details of that call and am at a loss for why American Express will not provide it to their customer. I have been using corporate American Express cards for may years and this unresolved issue will cause conflicts with corporate customers that I may be employed by in the future. 

I can try contacting an investigative reporter from XXXX of the major networks, but I prefer to avoid that headache, so if CFPB can get a better response than I got the first time American Express sent a letter to me, I will be thankful.
*THE BELOW LETTER WAS SENT TO ME AFTER MY " BB & T. BANK '' ... .***REFUSED TO PLACE THEIR BANK SEAL ON THE BELOW : PDF : XXXX. 
PLEASE ASK THEM WHY? THEY WOULD " NOT '' VERIFY MY SIGNATURE, SO THE ''TREASURY DEPT. '' SENT THE BELOW LETTER, TO ASK ME TO GET MY SIGNATURE CERTIFIED. 
QUESTION : DOES ''BB & T. BANK '' TREAT ALL XXXX VETERANS LIKE I HAVE BEEN TREATED AT THEIR BANKS..? OR DO THEY BELIEVE THE FRAUD THAT WAS COMMITTED AGAINST ME..? WHILE I WAS LIVING IN XXXX OVER THE LAST FIVE-YEARS..? 

ALSO ASK " BB & T. BANK '' WHY..? THEY REFUSED TO PLACE MY NAME AS A CO-OWNER OF MY WIFE 'S SAVINGS ACCOUNT ... .. ( despite us having a JOINT CHECKING ACCOUNT together..? 
ALSO ''BB & T. BANK '' REFUSED TO HONOR MY REQUEST WITHOUT TELLING ME ANYTHING..? AS TO WHY..? THEY DID ''NOT '' HAVE ENOUGH RESPECT TO NOTIFY ME, THAT THEY WERE ''NOT '' GOING TO LET ME OPEN A XXXX-EDUCATION SAVINGS PLAN FOR MY XXXX OLD SON. 
**THIS ALL GOES BACK TO THE FRAUD THAT HAS BEEN COMMITTED AGAINST ME, ON ALL XXXX OF MY CREDIT REPORTING AGENCIES .... ( WHICH HAVE BEEN TAKEN OFF OF AT LEAST XXXX OF THE CREDIT AGENCIES ), like I requested. 

The Account Authorization ( PD F XXXX ) submitted is unacceptable as the form was certified. Therefore, we must ask that you submit a new form with your signature properly certified. 
Please note that the form 's instructions to the certifying officer state, " Acceptable certifications include the financial institution 's official seal or stamp ( such as corporate seal, signature guarantee stamp, or medallion stamp ). '' Notary public stamps are unacceptable. Please have the bank place their official seal on the form to certify your signature. If the financial institution does not have an official seal or stamp to use when they certify a signature, they may use the savings bond paid stamp that they normally use when cashing savings bonds for a bond owner. We may accept : Acceptable Certifications : *Signature/Endorsement Guarantee Stamp*Medallion Stamp*Official Bank Seal/Stamp*Corporate Seal*Consular Seal*A commissioned or warrant officer of the United States Armed Forces may certify the signature. 
If there is any further questions you can have your bank contact our office. 
Thank You, XXXX
OneMain 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.
XXXX   XXXX ,  2016 {$34 .00} I talked with  XXXX  and said I could pay what they offered. Though, when I had more money to pay the account for full. " They did not fill in the remarks on the the credit bureaues, credit reporting agency 's ''. I said, I can pay for the full amount. They said no what was agreed you can pay for. During the conversation, I suggested to pay more. And initiated the clear communication I can pay for the full amount of  XXXX   XXXX  dollars. Then, she said no. Only the amount, you were talking with  XXXX  about. They were damaging my  credit score.
Prior complaint  XXXX ,  Bayview  does not apply payments correctly. They hold payments and suspense money over the mortgage amount.They are saying I owe for  XXXX  from  XXXX   2017 . We have never missed a payment, we paid bi-weekly with prior company and are years ahead on the mortgage. When I call in and complain they block me from their website.   They are sending me foreclosure notices and were calling me for payments even though I do n't owe them.   Of note also is they were using the wrong interest rate a supposedly corrected it.   I am paying interest on a principal balance that does not include the money they are putting in suspense. They have always had sloppy accounting however it has gotten worst since they sold the mortgage to   XXXX    XXXX
ON XX/XX/XXXX DIVERSIFIED CONSULTANTS OPEN A COLLECTION ACCOUNT ON MY CREDIT REPORT. ALSO THIS ACCOUNT WAS ALREADY REPORTED BY ANOTHER CREDIT REPORTING AGENCY XXXX BACK IN XX/XX/XXXX. THEREFORE IS VIOLATING MY RIGHTS AS A CONSUMER IF ACCOUNT IS SOLD TO THE DISVERSIFIED CONSULTING AGENCY WHICH HAS AGREED ON XX/XX/XXXX TO REMOVE THE ERROR OF REPORTING TO MY ACCOUNT. I WANT COMPLETE RESOULUTION TO THIS MATTER AND HAVE THIS UNFAIR REPORTING VIOLATING MY RIGHTS AS A CONSUMER OFF OF ALL OF THE CREDIT REPORTING AGENCIES XXXX, XXXX AND XXXX. PER XXXX XXXX THIS IS SUPPOSE TO BE RESOLVED BY XX/XX/XXXX. PLEASE ADVISE.
Back in 2004, I was offered a " Line of Credit '', loan that I did n't request from Washington Mutual Bank. The notary person who came to my home " STATED ', this was n't an " Interest Only Loan. We were told it was a fully amortized loan for a {$100000.00}. I presently own them {$64000.00}. Later on, we call the bank to see if they could correct this problem time and time again. To this date, we have paid into this loan about {$38000.00} in payment to see the principal balance stay the same at {$66000.00}. I contact an attorney this year to see what can do about this problem and was nothing, just refinance that mortgage but I 'm losing all those payments for years on time.Chase Bank refused to do anything to correct this mistake, I been to the branch, on the phone with customer service and get the runaround. Please help.
Long story short. A few years ago took out a title loan, the car was crashed and paid off ( partially ) the company ( named above ) reached out that I still had payments. The only contact they had was my Old number and my old job number, so were n't able to get in contact with me. This XX/XX/XXXX I had a summons to report to court I did that. Where me and a lady from the above company name met and signed an agreement that I 'd pay an amount. I did miss the payment of not working right now ( which I explained at the court ) I only receive Cash aid and Food stamps. On XX/XX/XXXX at a approximately XXXX my old coworker texts me like HEY, SOMEONE CALLED YOU REGARDING SOME MONEY. I asked him if he got her name and number, he only got the number. So he then tells me, YEA SHE WAS ALSO ASKING IF I COULD GIVE HER YOUR LAST XXXX SSN FOR VERIFICATION OR AN PAYROLL INFO, my friend said he could n't provide that information to her. I then reached out to the company where a lady was being very UNPROFESSIONAL she went on to tell me WHY THE XXXX HAVE N'T YOU PAID YOU WENT TO COURT AND SIGNED PAPERWORK, YOU KEEP GIVING US THE RUN AROUND, yada yada yada, so I went on to inform her that first off, you 've been calling my OLD place of employment I can give you my cell and I can make a payment on the XXXX of this month. So eventually, I asked to speak with someone else, the mean lady said that another lady named ( XXXX ) would contact me. It 's XX/XX/XXXX and yet to hear back. I just would like to be able to pay or miss a payment in peace, like stuff happens, I told her I 'd pay this coming Fri and it was like if you do n't have now then where gon na take further action.
XXXX $ has been put on my credit dating back to 2013 from an apartment in which i did not live or have a lease at. I disputed this a few years back and it was taken off my credit, all of a sudden a few months ago it is back on and XXXX wont get back to me on all the disputes ive sent in. This is ruining my life and i owe this company nothing.