WillisBack/dataset-financial-user-claim huggingface dataset:
I have paid my 6.25 % interest loan faithfully for 12 years. I finally paid my balance off enough to have 20 % equity therefore allowing me to refinance my loan. I attempted to get a payoff from Ocwen first in XXXX and then again through the lawyer who is handling the refi. He was unsuccessful for a time, but I eventually made it happen around XXXX XXXX. The payoff was sent to the lawyer. My principal balance was somewhere around XXXX on my XXXX statement. I was sure the payoff would be somewhere around XXXX. I received the closing statement XXXX XXXX before the scheduled closing on XXXX XXXX. The payoff Ocwen sent was XXXX. I have submitted a dispute. Ocwen says they need 10 days to research something that should pop up on a computer. 10 days is {$700.00}. Ocwen stalled giving me my payoff ( at least 3 weeks ). They gave an incorrect payoff and are now forcing me to make another {$3500.00} payment to them before I can refinance the loan. I am concerned I may never get a correct payoff. They do not want me to pay this loan off. I am super concerned.
I just received a notice from Capital One notifying me that my credit card and personal information were involved in a data breach at a business which I had made a purchase at recently. The letter was informing me that they were canceling my card and re-issuing me a new XXXX as a security precaution. The letter ( and subsequent ) email which I received from them did not name the merchant involved in the data breach. When I called to find out what merchant it was they would not divulge the information and said that they had no way of knowing which merchant it was who had the data breach. Well, that seems a bit illogical considering that they must know which merchant it is if they are aware that said merchant had a data breach and it was a threat to their system ...,
Sent in three letters stating that the address they have on file are wrong, the only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. Please delete all other addresses because they are outdated information, and some of them I never lived there. They still havent deleted the old address.I have been a victim of fraud in the past due to things being sent to other addresses and people using my information.
I have received notice from relatives that AFS collection company has contacted them asking for information about me and gave personal information about me. They have obtained addresses and phone numbers of relatives too. The amount and statue of limitations is up and I had previously paid the company I have not received a notice of any information. I told them verabally to stop contacting me but they refused. They call repeatedly.
According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The collection amount is {$370.00}
Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of XXXX XXXX ( XXXX ) by third party collections is prohibited. I have sent this documentation and a request for removal per this ruling to Midland Credit Management. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.
Nationstar Mortgage foreclosed on my home, but as it turned out, XXXX XXXX was the owner of the note as the trustee for a securitized trust. I did not find this out until after the house was sold, due to my status as a surviving spouse. I was not given information about the loan, or loss mitigation options. I am not a signer on the loan, and my name was never on the title to the house. I just found out that I lost my appeal and I am worried about eviction again. I do not want to lose my home of 18 years. Although I think that I should be entitled to homestead rights in Ohio, I am at a loss as to how to go about doing that. It was very difficult to realize that at the local level none of the national servicing standards set by the CFPB were observed in spirit or in practice. The attorney representing the bank was the only witness in my case, and he either did not care enough to put the facts together or he just lied to the court to save time. Either way, when an officer of the court uses the weight of his credibility to achieve illegitimate results, it just adds to the growing sentiment that justice is not blind but it is deaf. 
I recently found the actual trust that my husband 's loan is in. It is credit enhanced. I learned that means it is protected with loan level insurance. That means that there was an insurance policy on this loan. Also, based on the terms of the loan, a adjustable rate 30 year balloon, interest only loan, no money down ; and the fact that my husband died less than 2 years after the loans consummation, i think that there was another policy, called lender 's payment insurance. why was n't i informed about this? I recieved a tax document from nationstar with a box called XXXX, which has an amount for nearly double the face value of the loan. According to their website, it is called the gross foreclosure price. There are other websites that describe this box as the total amount recieved for the loan. If they recieved more than they were asking from me to foreclose, why would they also be trying to evict me and sell the house? Is that right? 
Is n't that called double recovery? He died in 2009.
I have decided to write XXXX complaints a day against Equifax in order to try to get them to follow the law and stop violating my rights. As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXXn did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.
There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.
I made a payment through a verified checking account. The payment posted. 5 days later, I received an email stating that the payment had been returned code XXXX account or wrong name on account. I asked the bank to verify the name and account number that they submitted in which I received no reply. Returns can not be issued to a closed account as closed accounts are not open for credits or deposits. I called the company to inquire as to why the payment was returned. I spoke with a XXXX and asked for a full transaction audit history, not an account summary. I received no reply in 30 day. I then wrote the company a letter asking to validate the debt through a full transaction audit and emailed to the companies provided email address. I received an automated reply that the address was not monitored. I emailed the letter to a different company email. I received an automated reply stating that if I needed further assistance to contact customer service to assist further. I emailed the letter for a XXXX time.I am seeking validation of debt through a full transaction audit.
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX Citi ThankYou Points upon completion of at least one qualifying bill payment to the new checking account each month for two consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements, I messaged Citibank on XXXX XXXX, 2016 via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive XXXX ThankYou Points by XX/XX/2016. A copy of this communication from Citibank ( reference XXXX XXXX confirming enrollment in the promotion and completion of the requirements is attached. 

As of the date of this complaint, the ThankYou Points have still not been deposited to my account, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which Citi confirmed the requirements were completed ( XXXX XXXX, 2016 ).
I have been trying to resolve a credit card dispute with USAA since XXXX XXXX. The original dispute was XXXX {$100.00} transactions, now it is XXXX -- USAA has duplicated a disputed transaction! I originally filed a fraud complaint, but was told by USAA they should have been handled as disputes. Since then, these actions have been bounced back and forth between internal departments, and credits made and then reversed leaving me with an additional disputed {$100.00} along with the accumulated cash advance finance charges of {$3.00} as of this writing, totaling {$300.00} as of XXXX XXXX XXXX.
XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XX/XX/XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with XXXX XXXX.
I disputed adverse accounts on my consumer file in XXXX, XXXX, XXXX XXXX XXXX accounts I was requesting to validate that these debt belong to me but Experian failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
I filed a dispute with American express serve prepaid. after not receiving the provisional credit that was promised of the unauthorized charge of {$600.00}, with 10 days, I called their customer service. The rep told me that she would email a supervisor do that the credit could be issued. 3 days later, I went to withdraw funds and was unsuccessful. I called CS and they states that I violated terms and condition and my account was now closed. The dispute was declined which caused the account to be shut down. I received correspondance via email that I had a right as a consumer to know why my dispute was declined. CS told me that it was internal info and they could n't tell me anything. I contacted the merchant and they advised that they were never contacted in regards to my dispute. I also have a police report to support the claim of {$600.00} that I initially filed. They NEVER investigated my claim. They simply XXXX my account down. They told me not to worry and I would be recieving the rest of my money via usps 7-10 days. It is now day 13 business days and I have n't received my XXXX that was in the account. This is a major inconvenience and definitely a scam. If you file a claim over {$400.00}, they will not send you a replacement card and they will not investigate the claim.
I noticed I had late payments on my XXXX XXXX/XXXX XXXX Card after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.
Just tried to change from the Platinum Rewards card to the Cash Back Rewards card, and was also told it is " not possible. '' I told the customer service member that XXXX XXXX XXXX had already changed my cards in the past and she seemed to brush it off like it was n't their problem. When I tried to explain why I did n't want to cancel my card outright after applying to the new Cash Rewards card ( as many people have stated previously, he life of my credit is still short and canceling one of my oldest cards would negativity impact my score ), she acted like she did n't understand what I was talking about and that I would need to " take it up with the credit bureau. '' This obviously is not a solution, as a credit bureau ca n't do anything to force continuity of a line of credit. However, EVERY OTHER BANK willingly does this for it 's customers. This policy USAA has adopted to refuse to allow you to change cards blatantly takes advantage of their customers by forcing them to keep old accounts open, take unnecessary hits to their credit for applying for a new card, and intentionally damaging their customers credit scores in the likely ( and logical ) event the consumer wishes to close the old card ( multiple cards open for no reason is a liability ). 

There are numerous threads on USAAs forums from customers in my shoes, to which USAA continues to give " cookie cutter '' responses stating they " take our suggestions seriously '' and " will bring them up with management. '' The company continues to attempt to use the Card act of 2009 as a shield to deflect customer complaints, despite customers directly calling them out over the incorrect nature of their claims.
I recently filed a complaint against Bank of America. While they did respond to my complaint via telephone onXX/XX/XXXX today in the mail I received an application for a modification for my loan. Which I did not request. This is the third time I have attempted to get my file and forensic accounting of my mortgage with Bank of America and this is the third time they have sent me wrong information. They have sent me lOan modifications when I asked For forensic accounting of my loan. They also onece sent me Notice that they could no longer do automatic payments because I declared bankruptcy which I never did. This is an ongoing problem. I want a forensic accounting by Bank of America in regards to my mortgage and I want all correspondence and a copy of my mortgage file they hold. I stated this on the phone call with the representative and then I get a request in the mail from them for financials due to my requesting a home modification which I never requested
In XXXX of 2016 after carefully reviewing my credit report XXXX accounts showed up on my credit from XXXX XXXX bank and XXXX bank.I immedietly disputed the XXXX accounts and placed a fraud alert on my credit reports. I have been back and forth with the creditor as well as the credit. Finally after months of disputing and making complaints the debt could not be validated and was deleted from my credit profile.over the past couple of weeks i have been getting letters in the mail from the collection agencies, for the same accounts. So it appears that the creditors deleted from my credit profile but then sold the account to multiple agencies. This debts are not mine and all i have been asking for for months is validation of account. also please look into the creditors selling these accounts to multiple agencies now i am receiving multiple letters which can be related to harrassment. I am requesting that the collection agencies validate debt owed and quit sending collection letters to my home. 

I have attached the letters that I am receiving from different collection agencies for the same account.
I received a letter today, dated XXXX XXXX, 2016, from Chase bank saying that I had applied for an Amazon.com visa signature credit card. This is totally incorrect and someone is trying to fraudulently apply for a credit card in my name. I would like Chase bank to investigate how this happened, and REMOVE this request from my credit history immediately, as I wish to apply for a loan from another bank. 

I would like a confirmation email that this request has been complied with.
Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX  data hack. Someone else was using my information. Identity theft.
This debt collector send me a letter i immediately call him to dispute the amount in question he promise to send me a prove from XXXX i did not receive any evidence from him. the next thing i saw is a negative report on my credit report over a debt that has not yet been establish and connot be establish this has to do with a phone bill according to him.
I recently sent in a request to have some incorrect information removed from my credit report and it was sent back to me without any change, and as verified accurate. 
The CRA is inaccurately reporting information on my accounts. After doing some research on what my next move should be I was able to find some information that told me the " requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. '' I have disputed the following with the CRA and they returned it as verified, even though they are obviously inaccurate. I dispute these items in their entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting. If the CRA determine any listed entry as " previously investigated '', I demand the full method of your verification including the employee name, company address, and phone number for each entity that furnished the erroneous data. 

XXXX XXXX XXXX - XXXX .... 
This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting as term of 56 months it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a repossession, it was not, please fix or delete XXXX XXXX XXXX - XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting as term of 80 months it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a repossession, it was not, please fix or delete XXXX XXXX XXXX XXXX XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting a high balance of XXXX it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a charge off, it was not, please fix or delete XXXX - XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting a high balance of XXXX it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a charge off, it was not, please fix or delete Should they not be able or willing to provide me with the substantiating documentation as verification to cure these violations, within the next 30 days. Then I will use the filing of this complaint and the associated answer to file suit seeking relief for the violations of the FRCA. XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.
Lending club has reported 5 late payments on my account that are incorrect. I went through a divorce in XX/XX/XXXX and lost access to all of my bank accounts. During this time I was in contact with lending club and established a payment plan to get on track. I did not miss the payments they have reported on my credit report which they allege is from XXXX XXXX XX/XX/XXXX. This is not the first time this has happened, I had a similiar issue with them when I switched a payment date and they dinged my credit for the payment being late in XXXX XXXX. It took me months of calling and sending them letters for them to finally remove the late report error.
I have more than one issue regarding this company. I changed my account information and the company decided to remove payment from the previous account after I told them not to. The lender charged my account for the wrong amount and on the wrong day. The lender also did not credit a payment they withdrew. The company is insincere and hard to work with. I have spoken with XXXX ext. XXXX, XXXX XXXX, as well as the manager XXXX. I have sent emails to rectify the debt and they have not returned any. They continue to withdraw money.