WillisBack/dataset-financial-user-claim huggingface dataset:
As part of a divorce settlement my wife assumed responsibility for three credit card accounts that had been opened under my name and SS #. All the accounts were in good standing at the date of this transfer ( XX/XX/XXXX ) with no history of late payments. Unbeknownst to me, my ex went to XXXX to renegotiate the interest rates and payment amount on all three accounts. She was successful, but somehow in the transition from normal status to the credit arrangement with XXXX a series of late payments were reported by the creditors against my credit history. There were a total of eight 30 day late payments reported in a 90 day period. These should not be reported against my credit history since I was no longer legally responsible for the payment on these accounts. My attempts to get this corrected have been unsuccessful. I have complained to the credit reporting agencies, to XXXX and to the creditors directly, all to no avail. These late payments are being wrongfully attributed to me and it has had a ruinous affect on my credit rating. As a consequence I can not rent property or attain any credit at all except at the highest interest rates.
On XX/XX/XXXX I made a transfer of {$72.00} once I realize I call and cancel the transaction XX/XX/XXXX. once is wasn't returned with in the 7 business day. I contact them once again and they stated that it was not cancel until until XX/XX/XXXX with additional 7 business then when it was not refund by XX/XX/XXXX that the 7 business date. I contact the executive team that didn't email me back.
Diversified Consultants Inc. was sent an initial dispute letter in XXXX XXXX of an incorrect reporting of a collections on my credit report. I have sent this company 3 letters with 2 of them being certified by mail letters in which Diversified Consultants never responded. Since they are a third party collection agency, I requested an original signed copy of this account with my signature validating this account belongs to me. This collection account that is listed as XXXX on my credit report does not belong to me. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me 3 ) Last  Payment Date listed as XXXX/XXXX/XXXX is inaccurate and does n't exist. Diversified Consultants Inc. has not only violated federal and state laws by not replying to any of my certified letters, but has also failed to provide me with a copy of any viable evidence, bearing my signature, showing this account belongs to me and is being reported accurately. I am requesting that they delete this from my credit file immediately.
I get a Social Security XXXX check each month on the XXXX Wednesday of each month. I receive {$1200.00} and live alone with trying to pay my other bills. SunTrust continues to charge me an extended overdraft fee which increases my negative balance. This is just additional income for the banks and is very unfair to people who can use the additional {$36.00}. I had a hardship which started the chain of the negative balance and on XX/XX/2018, I will be able to get back in order. Banks are making a tremendous amount of money each year by charging fees that making it harder for people who live below poverty level. I have been living off of beans and rice for the past 5 months because that is all I can afford. Having XXXX, rice is not a food that is good for it. I am not able to eat any healthy meals and take care of myself. In addition to having XXXX, I am XXXX and have been for XXXX years, XXXX, XXXX, XXXX XXXX XXXX, and XXXX and was very healthy until all of this happened. I have attached some statements and can provide more if needed. 
I would greatly appreciate if someone would look at what the banks are doing and change this that is going on. All of the extended overdraft fees that I have paid could have helped me with buying food to prepare.
Mr. Cooper is playing with my account again! I have had this problem with them every since their previous name was NationStar Mortgage. I never had this issue in 15 years before they took over my mortgage! My increased expenses paid out of escrow is only {$83.00} per year and Mr. Cooper is increasing my payments for escrow by {$1000.00} per year. 

Currently escrow has {$1000.00} in the escrow account but we will have 5 more escrow payments of {$220.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- summing up the total of current escrow payments ) totaling {$1100.00} giving us a total in escrow of {$2100.00} at the time insurance a 1/2 year taxes are due. 
{$2200.00} will be due for taxes and insurance in XX/XX/XXXX and XX/XX/XXXX so we will have a shortfall of {$39.00}. 

The next payment due will be in XX/XX/XXXX for another half year of property taxes which will be {$900.00} but with no change to our current escrow amount due monthly we will have {$1300.00} at that time, a positive amount of {$460.00}. 

Mr. Cooper is attempting to increase my escrow amount by {$90.00} which is way too much. At this rate they would be charging {$3800.00} for escrow when taxes AND insurance only total {$3100.00}. 
* There was no increase for insurance ** Property tax only increase {$83.00} PER YEAR! 

This is a constant game they have been playing with me so rather than spending hours on the phone again I am going straight to you because they don't listen to me when I deal directly with them.
Received a letter from Sears MasterCard XXXX XXXX XXXXXXXX in XXXX XXXX, SD that I had applied for a Sears MasterCard and was denied due to being unable to verify my residence. I'm not sure if this is a scam originating from Sears or someone else, however I never applied for the card. The phone number appears to be to a private residence as well.
GREETINGS FROM, XXXX XXXX XXXX YOURS : XXXXNEITHER EQUIFAX , XXXX, XXXX. 
# 1 EQUIFAX IN XX/XX/XXXX WANTED A COPY OF DL, XXXX EMPLOYER AND A POF PAPER REGARDING CASE # XXXX {$24000.00} PLAINTIFF XXXX XXXX XXXX. ON XX/XX/XXXX THIS WAS MADE AT THE XXXX COUNTY XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. AND REGARDING ALL XXXX CREDIT REPORT COMPANIES, THEIR WAS A TIME WHEN XXXX XXXX CREDIT CARDS IN XXXX, XXXX, HELPED THEMSELVES TO REQUEST EQUIFAX XX/XX/XXXX, AND THANKS TO YOUR HELP, THE FTC SENT A LETTER TO THEIR OFFICE IN XXXX, XXXX AND THE CREDIT REPORT COMPANIES HAVE NOT REMOVED IT FROM MY CREDIT REPORTS, EQUIFAX , XXXX AND XXXX, THIS WAS A MATTER DUE TO SSID THEFT. NEITHER OF THE XXXX CREDIT REPORTS REMOVE WHAT THEY WERE TO REMOVE FROM MY CREDIT REPORTS. 
RESPECTFULLY, XXXX XXXX XXXX OFFICIAL SS NAMEHAPPY XXXX TO YOU!
OneMain is charging me 17.20 % interest on my car loan dated XXXX/XXXX/2014. Yet I just purchased a car and was financed elsewhere at 5 %. I asked OneMain if they would refinance me now that my credit is better and they refused. I have held off the last few payments as I have tried to get them to redo the loan at a fair rate. Instead all they do is harass me making phone calls to me from XXXX disserent numbers.
There is an account with the original creditor being XXXX that was a fraudulent account that has been disputed several times this account is now being reported under XXXX XXXX as a collection.
XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX They sold it in XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XXXX XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..
Lazarus FinancialXXXX TX XXXXUnited StatesThis company continues to levy a collection item on my credit report even though I have provided them all the responses they requested concerning Identity Theft. This debt is NOT my debt and it needs to be REMOVED from my credit report as a collection item. I never heard from this company prior to them placing the derogatory item on my credit report and XXXX I learned they hurt my credit I have asked repeatedly they remove the item from my credit. They refuse.
I was checking my credit report and noticed 1 derogatory mark from Diversified Consultants Inc. In my report it is claimed the account is mine, which it is not. I have submitted several letters and done disputes asking for validation of the debt baring my signature or contract and have no received such information. Only thing I have received is itemized letters which do not count as validation and actually show different balance then what is being reported on my credit report. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.
Equifax 's data breach has released my personal information to unknown parties due to the companies lacking protection of my personal information. I have placed a 90 day fraud alert on my reports, but the company has been unresponsive ( Website down, phone numbers busy or disconnecting ) since I had learned of the company 's loss of my personal data.
Dear Sir, Madame, My Lender/ Servicer denied my request for help in any form of Loss Mitigation due to financial hardship caused by unemployment on two different occasions, the first one was last XXXX XXXX, XXXX when my application to KEEP YOUR HOME CALIFORNIA was denied because my servicer, PLAZA HOME MORTGAGE has not approved my loan for participation in KYHC Program. The second denial was XXXX XXXX, XXXX due to reduced income and not able to pay 12 monthly since XXXX XXXX, XXXX. I missed payments because I have to pay the REAL ESTATE LAW CENTER which I hired last XXXX XXXX, to negotiates better than I did for more than 5 months. Unfortunately, I listened from their advice to stop communicating with my servicer and stop paying my mortgage since they are doing the negotiations and I can not afford to pay the Law Firm and my mortgage at the same time. On XXXX XXXX, XXXX around XXXX I received a call from Loss Mitigation Department, the representative ( named XXXX ) asked me why I did not submit or communicate with them. I told them that I have a lawyer that should be communicating and submitting all the supporting documentations that I am supplying to my lawyer since I started hiring and paying their services. I feel devastated after I found out what really going on between my servicer and my lawyer that I paid {$4000.00} and as of this time is asking for $ XXXX monthly payment after I paid them already of {$4000.00} without positive outcome and also I have to pay filling fee for the case that we need to file to the court. At this time, My complaints are for my servicer for the delaying tactics they implement to my loan that almost ruins my 29 years of marriage life and caused XXXX and for the Law Firm I hired for unacceptable and poor services. Also, I wish to get back my {$4000.00} that I pay, in which half of the amount are from the Title of my car that I collateral to get cash quickly with an interest of 108 %. Because I received a letter from Law Firm stating that, they will close my case and not getting any refunds If I did not complete the {$4000.00} in spite of letting them know and sent them explanation letter that my 3rd months {$1000.00} monthly installments will be late. I have some evidence to support my complaints. 
I am a Veteran and I was trying to keep our home for more than 8 years, I just want my lender/servicer to give us a try- out period for loan modification and If I failed, I will not appeal and I will agree to the decisions of my lender whether its benefits me or not. 

Thank you.
Branch Banking and Trust has stooped to a new low. They are now charging to utilize their phone 24 services. That is right, they are charging me to call and ask questions. This is illegal I am pretty sure. I have a XXXX XXXX like many americans that requires I get things explained to me. I should not be punished by sanctions and fees for having this XXXX. I am also notifying the XXXX and CFPB of these practices if not refunded, ceased for me personally immediately. The demographics of our country with an aging, autistic, and generally declining education system makes this predatory. I am going to copy/paste this complaint to everyone until the end of time. This is dirty business, refund my money, offer me an apology and have your company trained on business ethics going forward. Service by phone and person should be a requirement. You have no right to charge, refund these fees. Also provide the address for me to address certified legal mail to from my attorney. What is your mediation process and where to address legal mail for residential adviser. Please explain these fees and put it in writing to the address on file. Both having explanations in writing then being able to call and discuss is fundamental not to just fair business, but also greatly assists in the handling of my personal XXXX XXXX. Please do not deny us these crucial services. Here is the explanation I received from the website of BBT : " Thank you for contacting BBandT E-Mail Support regarding XXXX fees. 

You may make unlimited calls to the Phone24 automated system at XXXX at no charge. 

After selecting an account, you may press 0 to speak with a Phone24 associate between XXXX XXXX. and XXXX XXXX, ET, seven days a week. 

XXXX XXXX, your first two calls to a Phone24 associate are free of charge. However, a {$2.00} fee will apply for each call to a Phone24 associate over two during your statement cycle. " ***PLEASE STOP THIS IMMEDIATELY, ISSUE REFUNDS FOR ALL SUCH INSTANCES AND PROVIDE ME UNIQUE UNLIMITED PHONE SUPPORT TO SOMEONE TRAINED IN HANDLING XXXX, XXXX XXXX. I WANT CLEAR INSTRUCTIONS BY PHONE AND INDIVIDUALIZED SERVICES GOING FORWARD TO ASSIST WITH MY MEDICAL COGNITIVE CONDITIONS. WITHOUT THIS I CAN NOT FUNCTION. DO NOT DENY ME OR CHARGE UNFAIRLY XXXX PEOPLE THAT MAY NEED THIS LIKE MYSELF. ***
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus.
The company called at XXXX, and again thereafter every 2 hours It was stated that they are not authorized to contact me by phone as a cease letter was sent months ago. In addition, a request for the debt to be sent back to the creditor where the insurance payment can or could be adjusted was not adhered to. I have asked more than once for them not to call and they continue to do so with multiple numbers and both phone lines.
Bayview Loan Servicing has failed to notify me who my new Asset Manager is. Bayview Loan Servicing has changed our Asset Manager four times. Upon speaking with the third Asset Manager, XXXX XXXX, stated her email address for us to contact her is XXXXXXXXXXXX. 
Please see Exhibit F attached, of the Lost Payments, Discrimination, Retaliation and harassment email due to fake mortgage note, dated XXXX XXXX, 2016, that could not be delivered to the Asset Manager Bayview Loan Servicing states is assigned to our Loan
Received a XXXX from Bay View a third party provider for XXXX. 
Their are numerous issues such as incorrect titling Incorrect coding on the XXXX form No release of lien but forced a tax event with the IRS and State
Date : XX/XX/XXXX Amount : XXXX Company : Caine & Weiner Complaint : I was attempting to pay off a debt through this agency and I stated that I was willing to pay the debt as long as I obtain a validation letter stating the amount that I owe. The collection agency stated that my debt was closed on XX/XX/XXXX and said that because of the small amount of the debt and because the debt is " old, '' that the only way I could pay for the debt is to do an express pay on the Caine & Weiner website. When I requested that I would get transferred to another agent, the second agent stated that they were not able to fulfill the request of a validation letter due to the account being old and having a small amount. I told them I can't pay the debt off unless I receive a document and they stated that they will have to hang up the call and that the amount due will be there in the credit report.
I leased a vehicle in XXXX and the lease was serviced by US Bank. At the end of the three year lease I decided to purchase my vehicle. I took a car loan with XXXX for the payoff amount and a check was issued to US Bank on XXXX/XXXX/XXXX for the purchase price of the car plus the sales tax due on the purchase of the car. I knew I had purchased the vehicle ; however I never gave any thought to the title. Out of sight out of mind, as the saying goes. 
I decided to trade in my car this month as I have had major costly mechanical problems this year. At this point I realized I never received the title for the car when I purchased it in XXXX. I called US bank on XXXX XXXX, XXXX and explained that I had never received my title. They confirmed the check they had allegedly mailed to me with the title was never cashed. I explained I was selling the car and needed the title as soon as possible. I called again on XXXX XXXX, XXXX XXXX the customer service representative stated US Bank would need to send me a letter, requesting {$55.00} to cover costs of securing my title. I was advised the {$55.00} was to cover the cost of mailing the title & check priority shipping. I became very upset as I was informed I could not pay over the phone with a credit card and the letter had not been mailed as of XXXX XXXX. I reiterated that I needed the title urgently and expressed my opinion that my title was being held hostage by US Bank. The did not send the original title by certified mail, why should I have to pay {$55.00} for a title they were responsible for sending me 3 years ago? The customer service representative stated they sent a follow up letter in XXXX, again not registered or certified. It is highly unlikely XXXX very important pieces of mail from US Bank would get lost by the US Postal Service. I truly believe the title was never sent. It is now XXXX XXXX ; and I have yet to receive the letter from US Bank. I have obviously lost the car I had negotiaited to purchase, but even worse I am paying a car loan for a vehicle that is not being driven because of serious mechanical problems. It is disgraceful that US Bank accepts no responsibility for a ball they dropped almost three years ago. What do I need to do to secure my title and the check for the sales taxes that they have had for almost three years? I am desperately in need of some assistance to secure the title and the sales tax payment. Thank you in advance for your help.
On XXXX/XXXX/16 I check my score and transunion was there then on XXXX/XXXX/16 it was removed saying I do n't have a score that 's incorrect please fix and update that issue as soon as possible thank you that an error on transunion
There was a fraudulent charge that appeared on my XXXX XXXX credit card in XX/XX/XXXX. I reported this fraudulent charge and disputed it with the merchant. The charge was removed and the account balance was XXXX. However, the creditor never stopped the negative credit reporting. I've contacted them four times, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They told me they received my dispute letter and told me over the phone on XX/XX/XXXX that the charges were removed from the account and I don't have any outstanding balance. The creditor never sent me the letter about the resolution of the fraud case in writing. I checked my credit report again on XX/XX/XXXX and I still have a negative credit report from XX/XX/XXXX to XX/XX/XXXX. I disputed with the XXXX credit bureau 3 times in regards to this inaccurate information and they have failed to thoroughly investigate this case and obtain any information from the creditor as to why the account is showing delinquent for 120 days. I contacted XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complains are not resolved and XXXX  Credit card has not fixed the inaccurate reporting in my credit report due to fraud as they promised. They also failed to sent me the resolution letter for the fraud case and resolution to fix the negative credit reporting on my account. The account is closed to to fraud but the negative delinquency is still remaining on the account. This is unfair.
This account was settled today for {$3500.00} and this matter needs to be closed at Citi bank and closed on my credit report. Please leave this CFPB complaint open until both things have happened and my credit report is reflected of this change.
I locked myself out of my apt called a locksmith who quoted $ 45-49. I am legally XXXX and count on honesty from workers. My neighbors saw the locksmith do the lockout and pop the lock. I gave him my discover credit card. Later in the day a person called me to ask what he charged. I thought this was strange. I said I assumed he charged what I was quoted over the phone. I asked a neighbor what the bill said it said {$170.00} for an installation service not marked lockout. I disputed this with Discover who ruled in favor of the locksmith. No matter of my evidence receipt or even cameras on the premises that showed exactly what was done. This was unethical and dishonest on Discovers part when they had proof in front of them of a definite and deliberate scam.
I deposited a check to my account before leaving XXXX on a trip. 
The deposit went through as it was exactly the same as on multiple deposits previously, XXXX Bank, Same Branch, Same Accounts ( issuer and issued ), Same Signer, Same amount ( actually lesser amount than most recent accepted deposit, but same as a previous amount ), Same Name, Same Endorser, Same Everything! But For No Valid or Given Reason This Deposit Was Reversed By the Branch Manager In Order To Extort and Sell Branch Products. 
I Was Treated Inhumanly and Extremely Unprofessionally With Direct Disrespect and Deprivation of My Livelihood as well as Insult to my Character. 
I am Currently XXXX so there is Direct Negative Impact on My Survival.
I contacted this business for a debt that I believe doesnt belong to me. They were very rude and hardly gave any information. I asked for PROOF OF VALIDATION, they sent me two forms that look like they wrote in my name. These forms are fraudulent because Ive never signed nor lived at this address. The signatures on the form are nothing like mine, also I asked for the original documentation. They sent in a letter showing fees that were assessed. I never lived here and if someone has used my name I want to take the correct legal action. I would like this company to send me the original lease and any other proof that this is my debt, not just a paper they scammed together. If I dont receive original documentation I will be suing this company. Its been far to long that theyve been scamming me. Also every week theyre going up on the debt. This is also fraud and Ill be filing another complaint with the XXXX.
On XXXX/XXXX/2016 Paypal submitted a trial deposit of XXXX into my XXXX business account in attempt to illegally access my account. The item description was labeled PAYPAL XXXX XXXX XXXX XXXX XXXX, I have no idea who is XXXX XXXX, nor did I authorize any external link between my XXXX account and paypal. They can not legally just attempt to link themselves to customer accounts without their consent!, they also said that I owed them {$4000.00} balance for services I never rendered. I have attached the supporting documentation of what I reported as fraud on my account.