WillisBack/dataset-financial-user-claim huggingface dataset:
my mortgage with Green Tree as the servicer got foreclosed on in XXXX at XXXX sale then I got a satisfaction of mortgage in XXXX from Green Tree Servicing LLC before the redemption time was up. Then in XXXX. I received from Ditech Financial LLC that my terms of my Account Modification Agreement my interest rate is to change and my payments start on XXXX/XXXX/XXXX also received the same notice for my ex wife that had nothing to do with my mortgage loan I took it out to pay her off in the divorce. then on XXXX XXXX I was served with NOTICE TO QUIT LEAVE AND VACATE then with a COMPLAINT FOR FORCIBLE ENTRY AND DETAINER from XXXX XXXX MORTGAGE XXXX then I went to court today XXXX of XXXX plaintiff appeared by phone I did not have a lawyer and I had all the paperwork and a witness but I lost in court. I have been protesting the foreclosure way before it went to sheriff sale because of misused escrow funds and harsh collection tactics missing payments over paid insurance modifications not recorded broken chain of title and fraudulent foreclosing methods. my mortgage was assigned to MERS when I took it out in XXXX then assigned Green Tree Servicing LLC in XXXX as recorded to XXXX XXXX clerk but I made payments to XXXX Mortgage then XXXX loan Servicing that were not recorded also my satisfaction of mortgage is signed by someone that works for Green Tree Servicing LLC as assistant secretary for MERS the same on assignment of mortgage to Green Tree Servicing. I 'm still in my house but if I ca n't get it stopped FORCIBLE ENTRY AND DETAINER will be in three business days is there anything you can help me with? XXXX XXXX MORTGAGE XXXX is not on any of the recorded documents before foreclosure not until after I got satisfaction of mortgage from the XXXX clerk.
I have had a XXXX home loan for some years, always current, I just got an unsolicited notice to pay to this new company XXXX XXXX thousands of $ i do not know them and have never been late have no idea who they are. 

I spoke to a supervisor who says i should send a certified check for $ thousands of dollars to the XXXX, XXXX XXXX in India, at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX India XXXX His company XXXX XXXX has taken over US Gov't loans from his company in the USA in both XXXX XXXX XXXX, XXXX, TX XXXX or to XXXX XXXX c/o XXXX XXXX at XXXX XXXX XXXX XXXX, PA XXXX this all is very weird and full of fraud, misrepresentation, thefts of US funds XXXX as a 100 % XXXX Veteran i find this entire scam very seriousness abusing we the Veterans and the US Gov't it is fraud and theft. 

I spoke to XXXX alleged staff members who admitted they have offices in the USA but are really headquartered in India where the XXXX conducts all there XXXX XXXX on US Loans. XXXX managers lied several times about this saying send the money? i do not know them they said they are the new company servicing my XXXX loan but i know nothing of this nor would they send me any records, documents etc..Mr XXXX XXXX and his assistance XXXX XXXX XXXX XXXX both got caught lying and even said the XXXX is in India and not really in the USA then they told me NOT to report them to the FBI, VA or CFPB
I tired using my credit card today at XXXX to get a few groceries. Today is XXXX XXXX, 2017. My card declined so I called my credit card company and they said that I had closed my account about an hour ago  at XXXX XXXX eastern time. I never closed my account, so they filed a identity theft claim that will take 7-10 business days for me to get a call. They 're going to investigate if they can open my account again. I 'm confused on how they closed my account without my permission. I never even got notified that my account was closed until I tried buying something at XXXX. I do n't want this ruining my credit either since I 'm young and have worked hard for it to be a good number. I know the person who has my social security number that did this and they 've been trying to get credit cards in my name too. I had to freeze my credit reports so they could n't order anymore credit cards. I want to get justice and help other people he 's scamming as well.
I have had numerour overdraft feesassesed to my account. i have overdrawn my account with knowledge that I am going to be penalized with a {$37.00} overdraft fee. I get that. However, there are transactions that are in pending status that have been charged to my account and funds are available. It is NOT the customer 's responsibility to process the payment. It is the merchant that has not posted the payment or I do not know what the problem is here. TCF bank had entered into a Class Action Lawsuit as they charge their customers these ridiculous fees. This is a scheme ran by a financial institution that does not care about their customers finances. light has to be brought top this issue.I have submitted a complaint against this company before. The issue continues to occur. It is overwhelming to go buy groceries and not have funds available and have to put all the food back with XXXX small kids watching! I have contacted TCF Bank I requested to speak to a Supervisor three times and i am placed on hold for a long time. I requested a call from a Supervisor and no one called back. Pending transactions are not due to overdrafting!!! I should not be charged an overdraft fee for " pending transactions. ''
I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX Bankruptcy XXXX
To Whom It May Concern, Similar to the complaint I filed yesterday, Citibank has filed another interest charge for {$83.00}. That again was based on their faulty autopay system. I would n't be surprised if they have done that to other customers as well. This needs to be re-mediated immediately.
Hello my name is XXXX XXXX. my investigation is not yet complete, from XXXX, Equifax, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you
I had purchased a car from XXXX XXXX ( XXXX, OH ) in late XXXX and was provided a loan with Santander Consumer XXXX. The salesman 's name is XXXX XXXX. The car blew its engine 45 days later and XXXX XXXX refused to pay for the repair. It cost me {$2500.00} to repair the engine. 

I continued with the loan and had to defer the loan for 2-3 months due to job loss / unemployment. From this point, as I tried catch up on my loan, Santander counted the payments towards the interest accrued and did not reduce the principal. this persisted for a few months and I eventually told them to pick up the car and I am unable to make the payments. They sold the car, unknown price to me and have me owing $ XXXX remaining balance. All in all, the XXXX - 4 Yrs. of payments never reduced my principal. They do n't provide any documentation and had accelerated harassing calls. 

This company does unethical business and offers predatory loans where the principal is never reduced, initiate collections / repossession efforts and stiff the customer with unknown amounts of money and do n't provide the reasoning on how they arrived at the loan. 

In the end, I am stuck with a XXXX XXXX responsible for the Income to be filed in XXXX with the XXXX. I do n't think this is very fair and Santander should be held accountable.
As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from XXXX XXXX and Transuinion, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.
Ginny 's XXXX I wrote them 3 letters and requesting by certifiy mail and notarized letter requesting the company to validate the debt with my original signature and they fail to provide. I sent this request to credit bureau XXXX, XXXX, and XXXX as well too indicating I wanted the company to validate the debt with original signatures and either party has done so on the 3 attempts that I have made. For example, I spoke with XXXX about this matter and they had the letter requesting the original signatures and it was not done. I even ask for a supervisor she then denied the letter was on file after previous rep stated the letter was on file and they did not get the return original signatures from Ginnys ' within 30 or at 30 day time frame. I also went the extra step to make a complaint about Ginnys 's to the BBB of Iowa where the company was locate they got no response after trying 2 attempts about validating the debt with original signatures I have a copy of this letter too. I advised both the bureau and the creditor what I needed to see verify this was my debt and both parties just ignored me. Please help.
Concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX. ), Equifax is presently reporting ( 2 ) instances of this account inconsistently and erroneously ( 1 for myself, XXXX XXXX XXXX, wherein theXX/XX/XXXX payment is reported as > 30 days past due and 1 for my wife, XXXX XXXX XXXX, SSN XXXX, wherein the XX/XX/XXXXpayment is reported as NOT past due ). Equifax is in violation of state and federal law in doing so. I demand that Equifax delete the XX/XX/XXXX payment regarding XXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Reporting XXXX XXXX Line of Credit ( Acct. No. XXXX ) 2 times is inconsistently is adversely impacting my credit score.
Equifax has also leaked information concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX ) in a data breach.
In XX/XX/XXXX I filed a Chapter XXXX bankruptcy and the court created a payment plan for me to pay the court and Wells Fargo a specific amounts of money on a monthly basis until my debt was pay off in 4 years. I follow the courts orders and paid off my debt to the court and Wells Fargo ; there were no other creditors. Once I fulfilled my debt obligations, the case was discharged on XX/XX/XXXX. A couple of months prior to my discharge the court sent me an over payment check in the amount of {$79.00} and Wells Fargo sent me a {$700.00} check for over payment. However, after my case was discharged Wells Fargo continued to send me bills ; some that stated that I do n't owe anything and others that shows different amounts that Wells Fargo claims that I still owe them even though the debt was discharged. At the end of XXXX I received 3 more letters ; 1 that discussed a " Lien Release '' stating that Wells Fargo will file a XXXX, and another statement stating that Wells Fargo still owes me an additional {$570.00} and another that stated that I owe Wells Fargo {$7800.00}. 
On XX/XX/XXXX I called Wells Fargo and spoke to the Bankruptcy department. I ask them why they were still sending me bills after my case was discharged, I was told that they did n't know that the case had been discharged and they will work on getting their error corrected. However, instead of correcting their error as promised, Wells Fargo file documents with the County-Recorder to have my name removed from my property at XXXX XXXX, XXXX XXXX, CA XXXX, changed to my deceased son 's name ; I received a letter from County-Recorder 's office in the mail on XX/XX/XXXX. 
I would like for Wells Fargo to acknowledge that I do not owe them anymore money and to abide by the court order and stop sending me bills and statements asking me for more money, since I have already paid off the loan and the case was discharged on XX/XX/XXXX. In addition, send me any other money that they owes me and close any case that they have open in regards to my home at XXXX XXXX XXXX, XXXX XXXX CA XXXX
I have sent Experian many requests to please investigate, verify and remove accounts from my credit report and they are just not cooperating.
Hello- Experian has been provided proof that the accounts listed below are being reported in error and that their subscriber is no longer in business, or have failed to provide any proof of debt. I again ask that the information being reported be verified outside of XXXX and the names and contact information be provided to me if Experian chooses not remove the items in accordance with the FCRA 15 USC 1681 et seq. This erroneous information continues to be provided by Experian in violation of before mentioned statute. 

ACOOUNTS BEING REPORTED IN ERROR : 1. XXXX- XXXX, Not owed 2. XXXX- XXXX, Paid directly to provider, proof of payment provided We appreciate the CFPB 's assistance in having the above erroneous items removed or updated by Experian. 

Thank you.
It appear that Experian has not taken the time to properly review what is it that the request for an investigation for a charge off account reported to my credit file to which I have been very specific to what issues are that need to be corrected as there has been many violation of the FCRA that the creditor was engage in doing when reported to the credti bureau.. 

In result the credit bureau have the prove that infact the crteditor has been reporting inancurate information that have taken place after the account is reported a a charged off the following are the issue and I have enclso the documents records to support my request. 

XXXX continue to re-age the account by not reporting the actual date when the account first delinquietn month and then the month to which the account was charged off XXXX has reported on a monthly base that the account has been charged off to reflect the most damage to my credit file that the account has been charged off month after month When creditor report the account as a charged off it isa one time reporting and the date reported is final meaning that not reporting the date when it happen and them use a current date as when reported is re-aging this record no allowing the negative records to be lesss damaging as time goes, so this is a violation and violation of your part for allowing this to happen ' The fact that is charged off the need to paid the debt is stil valid, what I am disputing here is what when on taht creditor did when reported monthly after the date of charged off took place but again that date was not reported until now ..but for almost two year did not so the record need to be remove Charged off account can not have a late payment the account is closed so explain to me how is it that they report acount been late 30-60-90 be late and be chrged of at the same time this in incorrect. 

You need to know whoever review this what can not changed and what information can be update on a charged off account
I received the loan from XXXX/Navient on XX/XX/2012. I began making payments almost immediately and tried to maintain a consistent re-payment of $ XXXX. It has been 5 years now and my loan is still in the high $ XXXX {$6000.00}. I have called Navient several times to try and figure out why it does n't seem like I 'm making a dent in my loan at all with all the payments I 've been making. Sometimes even paying more than the required amount. 
I have contacted Navient on numerous occasions to inform them of my financial hardships, attempting to lower my interest rate as well as my monthly payment amounts. All I was directed towards was forbearance ( pushing the payment due date back a month or two ). This was not my main goal, as I am and have been trying to pay this loan off for quite some time now. They always ask me if I 'd like to sign up for ANOTHER loan even when I call to get my current one resolved. I do n't get the sense they are eager to help me repay the loan or even work with me in getting it taken care of. It seems like any payment I make almost increases my loan versus decreasing it. I am running out of options.
Midwest recovery systems showed up on my credit report in XX/XX/XXXX for {$1200.00} from XX/XX/XXXX I have not lived in Missouri for over 15 yrs. and I have no outstanding debts in Missouri. I want this removed from the credit bearau.
Bank of America has refused to correct a mistake with my SSN when they took over my loan from XXXX. This has caused me to file incorrect ( overpaid ) Federal Tax returns for several years. They also reclassified the loan from VA to conventional.
On XXXX/XXXX/XXXX I contacted Equifax, XXXX and XXXX Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between Equifax, XXXX, and XXXX as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official FICO credit report highlighting the inaccurate information. I was already a victim of the XXXX Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.
I had to make arrangements for my XXXX XXXX payment due. I called Pinnacle Financial group and made arrangements. I started receiving collection calls the next day along with emails and text messages advising me to remove my things out of car if no call by a certain date. I kept arrangements made for my XXXX XXXX payment. They changed my due date to XX/XX/XXXX I did not sign any paperwork or tell them to change it. Now they have me due for XX/XX/XXXXand showing me 30 days late. I cant be past due for XXXX XXXX when I just made XXXX XXXX payment. They continue to call and sent a certified letter to repo the car. I have proof of my payments I have never missed a payment. I have not made my XXXX pymt due to this error.
In regards to the Equifax data breach XXXX/XXXX/XXXX my personal information has been compromised including personal identifiable informant such as SS # and date of birth This places me at great financial risk going forward from this date XXXX/XXXX/XXXX
I received a copy of my credit report and I noticed a few hard inquiries that don't belong to me, I immediately contact the companies to let them know those applications are fraudulent. Please remove these fraudulent hard inquiries from my credit report XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX  XX/XX/18
On X/XX/2017, I sent a letter to Equifax, XXXX, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.
I contacted XXXX XXXX to request proof of validation regarding to the account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section 623 of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly
I have tried numerous times at the request of my co-signers asking Navient release my co-signers from my loans. I have never missed a payment, even though some of my loans are disqualified from an interest rate reduction for no reason. I did not finish my course of completion, but I was told in the beginning as long as I had a consistent payment history I would qualify, but that again was misinformation.
In May 2016 I changed insurance companies from XXXX to XXXX XXXX. My XXXX annual rate was {$4700.00} and my escrow payment for insurance was {$390.00} per month. When my renewal I had paid {$390.00} for 12 months prior and had enough money to cover payment for my annual renewal. I did not have a escrow shortage at that time. I found insurance cheaper with XXXX XXXX and my annual premium decreased to {$1300.00}. I am aware my escrow payment should be for insurance now {$110.00} per month. That is a saving for me {$280.00}. My mortgage payment should have decreased and the amount of escrow payment should have decreased too. I contacted my mortgage loan servicing company and faxed them proof of my new insurance and amount. I also paid XXXX XXXX in full entire premium {$1300.00} for one year. My mortgage company did and escrow analysis and told me I had a shortage in my escrow in the amount less the {$1300.00}. I contacted my mortgage company customer service department insurance dept and was informed that the escrow department was not notified that my premium had change. And was told that they were not going to inform escrow. Well if they do n't inform escrow then that was why I was getting a statement that I had a shortage. The Nationstar Mortgage is overcharging me and I do not have a escrow shortage. I am aware that the amount the lender is required to hold in escrow is only 2 months in reserves not 12 months in reserves. Nationstar will not adjust my escrow and mortgage payment and is in violation of the Respa servicing escrow regulations. Please assist
I recently pulled my reports in XXXX, upon that I found numerous inquiries and fraudulent accounts on my reports. I contacted the Equifax and they told me I needed a police report. I went to XXXX office filed a report. Once I received the report I was told to fax it in to Equifax, XXXX. I was told that the items would be deleted and removed. However upon opening my XXXX bank account, I found out my score was a 401 due to collections from the fraudulent accounts that were deleted. They have been reinserted after being removed. When I called back in XXXX I was told another investigation was to be opened because the company had sent them ( Equifax ) placing the item back on. I then asked to speak to a supervisor he was extremely rude and stated there was nothing he could do because I had to do another disputes. As of yesterday XX/XX/XXXX I sat on the phone being switched from one agent to another then left on hold for 2hours and 15 minutes. Equifax needs a better system if you are a victim of identity theft these companies should have to provide verifiable information that account is properly accessed to the right individual. I would like for Equifax to make these creditors provide accurate information for my reports and if they ca n't delete and remove those items and send a reconsideration letter to my bank saying that it was an oversight on my reports of inaccurate information.