WillisBack/dataset-financial-user-claim huggingface dataset:
I have consulted an attorney and am in the process of filing a motion with the courts and possibly my own civil suit because I believe this company was wrong in their attempts to collect a debt from a company that has informed me they are not represented by them. I was never given a court appearance in regards to objecting to the execution of this judgement. To this point this company has collected more than 66 % of the judgement and I have been advised to have them voluntarily stop a wage garnishment execution in lieu of my own suit and recovery of lost wages. I feel this company has acted unlawfully in the execution and used unlawful practices. If they stop the wage execution immediately, i will consider this matter closed and over. If not, then I will continue with my motion which will include my own civil suit and investigation. I hope a resolution to this matter will end now before further actions are filed. I have also attached a copy of a certified letter receipt which i never responded to which means I was never formally notified in which the courts indicate I did and signed for.
Portfolio Recovery Associates is reporting an inaccurate debt that was in face paid in full to the credit bureaus under my name. This company has harassed me in an attempt to collect a non legitimate debt, and then continued to call me after the debt has been paid in full. Portfolio Recovery Associates is reporting a closed account to all XXXX credit bureaus and has shown to use non legitimate information to verify the debt. I have disputed the account to no avail, and the company refuses to delete it from their record. Even though the account was paid in late XX/XX/XXXX, Portfolio Recovery associates has continued to report this account, the latest time being XX/XX/XXXX. This is an unfair representation of my financial history and should be deleted immediately.
Today I checked my XXXX credit report and I found a debt collection mark ( XX/XX/XXXX ) on my report, which greatly impact my credit score. The agency is Enhanced Recovery Corp located in XXXX XXXX XXXX, XXXX, XXXX XXXX. The original creditor is XXXX. But from XX/XX/XXXX to XX/XX/XXXX, my phone ( XXXX ) service company is always XXXX XXXX XXXX. I never owed any money to XXXX. I called ERC and tried to tell them that I am the victim of identity theft and please remove the collection. ERC told me that the address is in XXXX on their file. However, I have lived in XXXX XXXX, XXXX for more than two years since XX/XX/XXXX. Then ERC required me send them my copies of driver license, SSN and credit report. They are trying to collect money that I never owe to XXXX and their collection remark greatly lower my credit score.
I am submitting this written complaint regarding the recent 30 day late payment notice that was reported, by 21st Mortgage Corporation ( 21st ), regarding my Account # XXXX, to XXXX XXXX, XXXX and XXXX ( the Bureaus ) for the month of XXXX, XXXX. In the early part of XXXX, I contacted 21st to let them know that I was currently under contract, with a local Builder, to sell the respected property. My contact was XXXX XXXX ; I informed XXXX that it was a cash transaction and that closing was scheduled for the third week of XXXX. In late XXXX, I informed XXXX that the closing was moved to the third week of XXXX. During this discussion, it was agreed that if closing did not go through as planned, as long as I kept 21st updated and made the XXXX payment by XXXX XXXX, everything would be okay since I had a five year perfect payment history. XXXX also congratulated me on the sale of the property. As luck would have it, the closing did not take place in XXXX. As discussed, I made the XXXX payment on XXXX XXXX. As a result XXXX, immediately ignored the verbal agreement and my perfect past payment history and reported the payment 30 days late. The closing/sale of the property is taking place today, XXXX XXXX, XXXX and the balance will be paid in full. I am in the process of closing on the purchase of a new home on XXXX XXXX, XXXX. As a result of 21st reporting the 30 day late, my credit score dropped XXXX points to a mid-score of XXXX ; worse yet, I have a 30 day late payment, on a mortgage, within the last 12 months. This fatal reporting of the 30 day late has pushed my credit score, credit history from a " XXXX XXXX '' status to a " Refer '' ( Non-Approved ) status and I am no longer approved for the mortgage on the new home. I feel mislead by 21st and I am requesting that, in lieu of the circumstances surrounding the late payment and my perfect pay history during the five year term of the loan, the 30 day late payment was reported in error and that 21st remove it from my credit report to the Bureaus. I would like written confirmation that 21st will report this immediately and that they will be willing to orally confirm this, as well, with all Bureaus and Credit Technology, upon request. The closing on my new house is in XXXX ; if I do not receive compliance immediately from 21st, I will lose the home, possibly be without a home and will suffer substantial financial consequences. If 21st is not willing to immediately comply with this request, I will file a written complaint with the CFBP today.
Experian claims to have verified 2 inaccurate XXXX XXXX XXXX accounts on my report however whom did they speak with to verify the accounts? Last I checked utility companies dont report to the bureaus as they dont extend credit
On XX/XX/XXXX we finance our home with XXXX under a conventional loan 80/20. In XXXX they should the second mortgage to HSBC. In XXXX, we became behind on our mortgage and needed to modified or foreclosure would begin on the home. In the process of modifying the home, we told that both loans would be included so we pay on the modification until it was finish and now only one loan remains so we thought. Our home loan has be sold so many times by XXXX XXXX XXXX until it not funny. Now we are in XXXX, and now we are wanting to sell our house but can not because a lien is on the property held by HSBC. Wow, the second mortgage shows up finally as I did my work the loan is inactive and has been charged off as of XX/XX/XXXX. There is no record of it appearing on our credit at all but the title company will not close on the home until lien has been release. I have mail paper to HSBC address XXXX XXXX XXXX in XXXX XXXX ILL. No one as of yet has notified me of receiving the information. I am frustrated with the whole matter. Could you please assist.
I am resubmitting complaint # XXXX. I filled out the answer boxes incorrectly ; I E Debt owed to and Collection company. 
Hopefully, at the end of this questionnaire-I can attach my fiole describing all of the events.
I have a store credit card with XXXX XXXX XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As  you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and TransUnion and XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Capital One is reporting the incorrect past due balance, balance, payment amount, and date of XXXX delinquency. These factual errors are purposely ignored by Capital One and have prove to be detrimental to my financial rating. I have been denied and received unfavorable credit terms because of the careless reporting by Capital One.The Fair Credit Reporting Act ( FRCA ) says the information on your credit reports must be accurate. Credit Reporting Agencies are only suppose to report accurate information.
I have a {$100000.00} mortgage with Nationstar Mortgage for a condo that I purchased in XXXX. In XXXX XXXX, Nationstar added a force placed insurance policy to my account in the sum of over {$20000.00} raising my payment from {$640.00} per month to {$3000.00} per month. I am fully insured, and there was no reason for Nationstar to add this insurance policy to my account, and absolutely no reason to add such an expensive policy - I could insure the entire subdivision for {$20000.00} per year. I have contacted Nationstar by telephone on three separate days, and have spoken to numerous customer service representatives, all of whom have failed to assist me, and all of whom have refused to transfer my call to a supervisor. I have faxed and emailed the XXXX pages from my personal homeowners insurance policy, and my HOA 's insurance policy to provide proof of insurance. Still, I can not get Nationstar to change the insurance information on my account. Nationstar has not applied the funds I sent for my XXXX payment, and has those funds in suspense because the records state that I did not make a full payment of {$3000.00}, but made my regular payment of {$640.00}. I am now facing having a negative report sent to the credit bureaus as my account is past due. I do not know how to get this issue resolved.
I signed up with Nationwide Biweekly Administration ( NBA ) to have biweekly payments drafted from my account every month to help " minimize my interest payments '' for my mortgage loan. **This message is NOT intended to stop the CFPB. I received a very unprofessional email from the company president stating that the company was in danger of closing and pleading customers to stop the CFPB from shutting them down. I called my mortgage company to see if NBA was indeed making biweekly payments on my behalf. They were not. They were holding my biweekly payments until they received the full payment amount and then sending it to my mortgage lender. So, basically, I was paying NBA a processing fee for nothing. Since the payments were not made biweekly like the company advertised, there were no additional savings to me. More money was coming out of my account than necessary. Now, the company will not answer customer phone calls or emails. I 've tried multiple times to contact NBA to no avail. The company took a payment out of my account XX/XX/XXXX and I have no way of knowing where that money is. I need answers, but obviously can not get them from NBA.
XXXX XXXX XXXX XXXX/XXXX is reporting that I was 90 days late on my student loans in XXXX  2011. I have mailed letters and have contacted XXXX XXXX XXXX XXXX/XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that XXXX XXXX XXXX XXXX/XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. XXXX XXXX XXXX XXXX/XXXX  do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the XXXX XXXX XXXX XXXX/XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 credit bureaus.
FAILED TO VALIDATE DEBT AND WENT ON CREDIT REPORTS IN VIOLATION OF FCRA.
On the following dates, I have received automated phone calls from XXXX to my cell phone : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Researching this number in XXXX  identifies the caller as State Collection Service , Inc . In one instance, an automated message was left on my voicemail. I have never given State Collection Agency permission to contact me at this number.
On XXXX  I have a ally financial account that I was never late on XX/XX/2015 and if I was late please send me proof of the account notarized to my address also to cfpb
My name is XXXX XXXX, I am a XXXX resident. I traveled to New York by myself for a week and on day 4 ( Sunday XX/XX/18 ) of my trip, I attempted to withdraw cash from a Wells Fargo atm using the card free access code and found that Wells Fargo froze my account in the middle of XXXX XXXX at XXXX. I understood that the bank needed previous transactions verified on the phone and when I called them in I was told I was successful in doing so. I proceeded to try the Wells Fargo atm again. This time it told me I had exceeded the amount of times I could use an access code. I called the bank again and spoke to 3 representatives all which tried to send me a code via text and all resulted unsuccessful because it was all controlled by the database They all stated I would need to wait 24 hours in order to access my money. I was left in XXXX XXXX XXXX, in the middle of XXXX XXXX alone and with NO money to eat or do anything. I booked a ticket back to California that same day due to the severe amount of stress this situation caused me. In addition to this problem, Wells Fargo has charged me over {$400.00} in transfer fees/ {$12.00} ea time from my savings to my checking all in the last 7 months.
I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} * 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.
I 'm returning under OMB #  XXXX . The interest rate charges were not explained properly and do n't give the consumer the right information to make a true informed decision to go ahead with accepting an approval from   Prosper. Had I known that the interest rates would be 60 % of the monthly installment, I would have never enter into this contract.
See the attach for payment history and interest rates. This is unethical for an American, unless it is a mortgage payment. I cant for the life of me, believe that our federal system would allow a company in America t  o  XXXX  Americans financially as  Prosper is  doing. Granted, people need help at certain times, but that help should n't come back and sting us to death. The reason for loans is to help revive us, not kill us.  Prosper  is trying to kill us financially. The 25 % interest rate is not the problem, the problem stems from how it is applied.     From the inception on  XXXX / XXXX / XXXX  of this {$10000.00} loan until  XXXX / XXXX / XXXX , I have paid {$13000.00}. This would be {$3700.00} in interest within such a short period of time. This should not be allowed by our country. I 'm asking that you stop this practice. It is fortunate that I am able to pay this off before the full term of the loan. If Proper 's practice is not corrected, I will mention my loan experiences that include s Prosper  on social media and the newspapers.
funds were collected for Homeowners insurance but payment was NOT made. 

Where is the money????
XXXX is reporting that I have a account with XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.
I was made aware that there was an XXXX XXXX XXXX placed by USAA. I started the process on XXXX XXXX by contacting them to begin disputing this alert and the reason for it 's existence. 
I finally spoke to a supervisor XXXX XXXX XXXX on XXXX XXXX XXXX explained the problem and requested my need for help and the information to resolve this matter. 
On XXXX XXXX XXXX, I received a call from a young man named XXXX. He explained that there were accounts opened and fraud was perpetuated with a checking and saving opened with my identity. The amount was approximately {$5100.00}. We had a very in depth conversation regarding the matter. I told him it was not me. They may have felt by their guidelines that secure procedures were followed. I told him that true due diligence on their half to protect their interests and mine were not sufficiently followed. This requiring a direct phone of verification that I was the actual applicant involving these high risk amounts for an online process. 
He agreed with my adamant position on the matter and went so far as to admit that I was not the perpetrator of the fraud. He repeatedly apologized and offered no final resolution.
Note : This is not a duplicate complaint. 

Case number ( s ) : XXXX XXXX The company answered the CFPB requests regarding the RESPA violations/failures and the alleged foreclosure sale of my property. 

1. In a XXXX XXXX, XXXX response to the CFPB the company ( OCWEN ) acknowledges that they received the " QRW '' in accordance to RESPA on XXXX XXXX, XXXX - as my response to the " default notice '' sent to me. They also acknowledge that they DID NOT RESPOND in accordance to the RESPA law, and only answered after I made a complaint with the South Carolina financial regulators. The company ( OCWEN ) admits that they responded on XXXX XXXX, XXXX and XXXX XXXX, XXXX, which is XXXX ( XXXX ) months after they received the " QWR '' from me. RESPA requires that the financial entity respond to the creditor within a very specific time frame and in a very specific written manner. 

In this answer of XXXX XXXX, XXXX OCWEN states that they validated the debt and owner of the property. The fact remains, they did not comply with RESPA and the FDCPA and proceeded with foreclosure actions with the law firm they mention as " their foreclosure attorney, XXXX XXXX XXXX ''. 

2. FORECLOSURE SALE : In response to my complaint about noticing me by US Mail that a foreclosure sale was scheduled on my home in XXXX, they again state that there was a sale scheduled for XXXX XXXX, XXXX, but conveniently do not have any records or documents to substantiate that. 

FACTS : My husband XXXX XXXX and myself visited the XXXX XXXX XXXX, XXXX South Carolina in person today. We were assisted by an assistant to the XXXX XXXX XXXX, XXXX XXXX in searching the courthouse records for the alleged XXXX XXXX, XXXX " Notice of Sale ''. After searching the entire physical file on my property and that foreclosure action, it was VALIDATED that there was NO SALE scheduled by the Court of Common Pleas , XXXX of XXXX South Carolina. We reviewed the entire file and and XXXX XXXX searched her computer database to no avail. It was absolutely confirmed that Special Referee, XXXX XXXX, no one in his office ever issued a " Notice of Sale '' to the Clerk of Court or anyone else. 

I am including the specific names and phone contacts for the Clerks and XXXX 's office ( s ) who can valid the statements above. 
XXXX XXXX - Clerk of Court Assistant, XXXX XXXX, SC. 
XXXX Presiding Referee in foreclosure case : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX OCWEN LOAN SERVICING, LLC is stating facts that are not true. They have caused great harm to me and my family by issuing false statements and putting fear into our lives by these actions. There is no proof greater than the court itself and they have never received any notice to sell our property in foreclosure. 

If OCWEN states that the records are not obtainable it is because they do not and never existed.
On XX/XX/2018 I received an updated Equifax credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX. 

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me. 

On XX/XX/2018 I sent a dispute letter ( attached item C ) to Equifax detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After Equifax conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was Equifax able to verify the account? 

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms. 

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my Equifax credit report. This is my final attempt at a resolution with Equifax regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.
In XXXX of XXXX i went to apply for a mortgage and i discovered that i was a victim of Identity theft. I immediately filed a police report and fraud affidavit and sent copies to all 3 credit bureaus. All the accounts were removed from my credit reports. A few months ago i checked my XXXX  report and found out that Bank of America had put the account back on only my XXXX credit report. It is not back on XXXX or XXXX I never received any letters from them or XXXX letting me know that the account was going to be re-inserted on my credit or the reason why it was added. ( violation of the FCRA ). I have sent 2 dispute letters to XXXX and some how they continue to " verify '' the account is accurate. I am done dealing with these agencies and their illegal activities. This account needs to be removed immediately or i am filing a lawsuit.