WillisBack/dataset-financial-user-claim huggingface dataset:
I received an email from the company " XXXX to sample their genealogical services. When I entered their website, there was a banner from " MyScore '' at the XXXX website to check your credit score for free. I decided to check out the free credit score request given by MyScore. When I entered MyScore website, it immediately led me to give my credit card information, in order to get my credit score. It also started that there was a XXXX access to my credit information and that I could cancel anytime before the end of the XXXX, either by calling them or contacting by email. Understanding that, I gave my credit card information, got my score information and then informed ( I believed ) MyScore of my wish to cancel my XXXX access. I received a reply via XXXX as a confirmation of my cancel request. I later found out that MyScore credited {$29.00} from my account as payment for the credit service membership, which I thought was cancelled. I called the company and informed that I believed I cancelled the service before the end of the XXXX access. I was told that they did n't received any cancel request from me, though I have received such a request from XXXX. I never sign up for any services from XXXX in any shape or form, especially for the money they were asking nor did I gave XXXX my credit card information for such services since already had such genealogy services done from XXXX already!. I believe that MyScore will give the runaround in refunding my {$29.00} to my account, saying I received an cancel confirmation from XXXX for services I applied for with them, when I know I did n't. I never received any email conforming XXXX credit access from MyScore & yet, they have access to my credit account. The only thing I have is the cancel request confirmation from XXXX, after I thought I cancel my credit access the same day I sign up with MyScore!.
On XX/XX/2018 I inadvertently made a payment to Toyota Financial Services for my vehicle that I was leasing from them but subsequently bought through my bank. During my conversation, with customer service at Toyota Financial, I found out that two extra payments were made on the lease and that I was owed XXXX by Toyota Financial. I was told that a check was being issued and should look for it by the end of the week. 
On XX/XX/XXXX no check. I was told that a check had been cut on XX/XX/XXXX but that they will reissue a check. 
On XX/XX/XXXX I was told that a check was issued on XX/XX/XXXX but was not sent out yet and that I should get it by the end of the week. 
On XX/XX/XXXX no check. I received a case number and was told that Toyota financial will overnight the check and I should receive it by the end of the week. 
On XX/XX/XXXX no check. I was told it was cashed and that administration will look into it and I should call back toward the end of the week. 
I have names of people that I spoke with in customer service. 
I have sent an email to XXXX XXXX XXXX and informed him that I have referred the matter to the FTC.
My wife & I, Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served.
During XXXX our home experience damage, {$20000.00} worth, the mortgage company stipulation on how the funds can be released were too severe and we could not fulfil the demand by the mortgage company. By the time I was able to move out to get repair started the mortgage company started back the repayment plan. I am now renting and they want me to start paying back the mortgage.
On XX/XX/2018 XXXX XXXX denied me a Mortgage refinance and HELOC loan. XXXX XXXX said I have a Lien on my Property Title Report and that I needed to contact GMAC Mortgage to clear this matter XXXX XXXX also stated that it seems that since I have excellent credit that GMAC Mortgage must have left this in error. Since then I have tried contacting GMAC Mortgage they have many subsidiaries I found that these Banks that I filed complaints with OCWEN, XXXX XXXX  they have both said they do not have " servicing rights '' I also contacted XXXX XXXX XXXX XXXX who can see my information but can not help me. I pulled a Deed of Trust and Assignment of Rents from XXXX XXXX county recorders DOC # XXXX MIN XXXX. I have looked at MERS Service ID and the information says that my MIN XXXX servicer is XXXXMAC Mortgager LLC XXXX XXXX, PA I tried contacting does no exist, I called the phone number listed on MERS ( XXXX ) XXXX this number redirects me to OCWEN debt collecting service in which they deny having any " servicing rights '' again my MIN status is " Inactive ''. I'm asking for MERSCORP to " Discharge '' and clear this lien on my Property Title Report. I will provide all documents with this complaint.
XXXX XXXX XXXX took over our home loan around XXXX and before we had no trouble with any payments or any issues with the previous mortgage company XXXX XXXX. Ocwen is now stating that we are up to 6 months behind in our home mortgage payment and will not take any of our payments as we have sent over 4 payments to them. They have sent every cashier 's check for the amounts of {$1000.00} in XX/XX/XXXX, XX/XX/XXXX for {$1000.00} back to us and have stated to not to send any more payments to us. We have called them and asked how to resolve this matter and they stated we had to send {$5900.00} and it would up to date.We spoke with them on XX/XX/XXXX and they stated they could not help us unless we payed the amount in full or we would be foreclosed on.l Our house has been listed on the internet without our knowledge for foreclosure but now has been taken down. We have a XXXX XXXX XXXX total XXXX great grandson who we have raised since birth and have lived in this house XX/XX/XXXX. He has XXXX, XXXX XXXX, He can not walk and is confined to wheelchair but he talks in his own way. We have to feed him, he is total care. We have told Ocwen this over and over and they do not care and will not work with us even when he stands to loose his own home that he has only known.
CREDCO XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
I submitted an initial complaint on XXXX/XXXX/XXXX, of which received XXXX status calls back from Bank of America, however, XXXX from the BofA Regulatory Complaints Dept ( XXXX XXXX ) has no clue of THE CURRENT BOTCH-UP in the works at Bank of America, and based on her latest message to me on XXXX/XXXX/XXXX, likely has no idea of the current status either. On XXXX/XXXX/XXXX Bank of America finally decided to pay my insurance policy premium ( TWICE ). Not only did they pay it twice, THEY ALSO PAID THE WRONG AMOUNT ... ... ..TWICE. 
The invoice presented to them was for {$4600.00} ; after some XXXX calculations, they in their less than impressive infinite XXXX, issued XXXX checks for the same incorrect amount on XXXX/XXXX/XXXX ; XXXX checks for {$3400.00} ( totaling {$6800.00} ). To that end, we have gone from begging them to pay a single invoice of {$4600.00}, to observing them pay XXXX INVOICES in amounts of their choosing. 
As a result, now my escrow account is negative, as my City/School Real Estate Taxes were disbursed on XXXX/XXXX/XXXX. IF THEY HAD NOT PAID THE INSURANCE INVOICE TWICE IN THE INCORRECT AMOUNT, the escrow account would not be currently negative by {$2600.00} as one of the overpaid invoices of {$3400.00} would have still been in the account. 
I can hardly wait for the next screw-up which I 'm sure will result in a reanalysis of my escrow account and an increased payment if I do n't somehow replace the shortage created by their latest XXXX ( or XXXX if we 're looking for a more direct assessment ). 
During today 's 33 minute call with Bank of America, I was advised that they paid the invoice twice because we submitted it twice. In fact, we submitted invoices since XXXX/XXXX/XXXX, all in the amount of {$4600.00}, and none were paid, until they decided to pay {$3400.00} twice on XXXX/XXXX/XXXX.
Hello, I have been in contact with XXXX over a dozen times over the past 5 months. I have requested that they supply me validation of listings that are reporting in my file and they continue to respond back that the information has been verified. I am requesting validation of the debt so that I can dispute it properly to have it remove or corrected on my file. I spoke with 4 different supervisors and I have been told that this information would be mailed to me within 7-10 business days and over 30 days has passed. I took the liberty to send certified mail to them to as well to no avail. I am constantly being told that I need to contact the creditor to verify the debt but they are the ones reporting the debt and they must have proof that the debt is mine or remove the listing/s.
This complaint is in regards to a previous complaint that needs follow up. 
Previous Complaint : Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 XXXX reported to TransUnion that I am 30-days late on a {$0.00} balance. This has cause my credit score to plummet over 60 points. In addition, the other credit reporting agencies have been notified that the account is CLOSED, not PAID AS AGREED, which has also impacted my credit score negatively. I have NOT been notified about how I can obtain my title, nor when it will be released. 

I did call Customer Service directly, as usual, they were absolutely no help!
I financed a vehicle through XXXX XXXX with Westlake Financial Services. Months after the purchase, I had to make major repairs ( replace the engine ) and that has continued now for 2 years! Anyway, the truck was in an accident which took months to resolve. During which time, we had no choice but to repair our only vehicle. I contacted XXXX to ask how to sign over the insurance check to them to pay the loan balance in full. They went back and forth first telling me it is n't an issue, then calling and telling me I could n't use the check for that then calling back and saying I could, etc. Eventually I had a supervisor confirm that I could pay off the loan that way. Anyway, I received the check, endorsed my portion and mailed it to XXXX on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. At the end of XXXX XXXX called saying they never received that check. At THEIR behest, I contacted XXXX XXXX and requested a stop payment be placed on the check mailed around XXXX/XXXX/XXXX and a new check was issued on XXXX/XXXX/XXXX. I received that check, endorsed my portion again and mailed it via USPS priority mail. I have confirmation that the check was delivered to their lockbox in XXXX XXXX, CA on XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating that the account " has been paid in full ''. Today I received a voicemail that I returned to be told that the payment was not processed due to a " stop payment '' and that they are attempting to collect the balance owed. The stop payment was issued on a check that they INSISTED that they did n't receive!!! Now they 're adding fees to the balance that DOES NOT EXIST meaning that I owe even MORE money to them! Please help me! I am a " single '' ( currently engaged ) mom of a XXXX XXXX XXXX year old child as well as a " XXXX '' XXXX year old and this is my only transportation to WORK, the XXXX, XXXX, XXXX, XXXX, etc. I paid my loan in full AFTER confirming that I was allowed to do so in that manner! Please help me keep the vehicle that I RIGHTFULLY own! This is unethical at best! I live in XXXX and have also filed a complaint here but since the business is based out of California, I am filing here too. I just want the title to the piece of XXXX truck that I paid for even during the entire YEAR that it was broke down and I could n't drive it!! Also, I have a picture of the check before I mailed it, proof it was received, proof on my online account that the balance was paid in full as well as a letter dated XXXX/XXXX/XXXX with a mailing stamp of XXXX/XXXX/XXXX stating the balance was paid in full. I am currently waiting for proof from the insurance company that the check dated XXXX/XXXX/XXXX was cashed successfully! It should n't be THIS hard to pay your bill!!!!!!
Bank of America sold my mortgage in XX/XX/XXXX. XXXX ultimately took on my home mortgage in XX/XX/XXXX and they modified the loan in XX/XX/XXXX. Bank of America continues to report my loan as delinquent in XX/XX/XXXX even though they sold the loan in XX/XX/XXXX. Since my modification, I have had stellar payment history only to have my credit ruined by Bank of America 's practices. I have disputed this several times with BofA through online disputes, only to have them not correct the issue and continue to report incorrectly. My husband is a fully retired XXXX vet and due to this error on BofA 's part, we were denied a VA mortgage loan.
Debt collector called cell phone and Work which I ask not to 4 times and got threatened. Collector acted like a old girlfriend, I couldnt get information out of them
Experian - This company makes it so difficult to cancel your service that most people like me just give up. You can not cancel your service or pull your credit card from their website. You can only call them at XXXX and give them lots of information and then they immediately have their recording tell you it will be a 30 minute wait time to cancel your service.

As I am typing this complaint, I have been on hold for 47 minutes not 30 minutes. This has been the norm in the past and I have given up and hung up to tater find the same results. I want to issue a complaint and will call my credit card company to file a complaint with them as well. 

XXXX XXXX XXXX XXXX
I am a victim of identity theft. The following collection accounts and credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$150.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00},XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXXl, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.
I received a XXXX back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email moneylion customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.
I applied for a payday loan from Big Picture XXXX and did n't expect my pay back amount to be so high in interest. They approved me for a {$420.00} loan and when reading the interest it will be over {$2000.00} or more to pay off .... Misleading information .... Too high of a fee for a {$420.00} loan ... Please help
XXXX XXXX XXXX is attempting to collect a debt on behalf of XXXX. However, this is a bill that should have been submitted to my Medical Insurance Company. As a preferred in network provider this XXXX XXXX  should have been covered as all routine XXXX XXXX is covered by my insurance. I was not notified that I had a potential outstanding invoice being sent to a collection agency.
Here we go again with Specialize Loan Services. Constant complaints with this company. I just finish a complaint in XXXX that they did not pay my XXXX XXXX property taxes. NOW this time Effective XXXX XXXX, XXXX they are my servicer again. Why couldnt XXXX XXXX XXXX Keep my Mortgage account I was more happier with them. ANYWAY Specialize Services did not Pay my Property Insurance which was Due XXXX XXXX, XXXX. I received a Cancellation Notice to be cancelled on XXXX XXXX, XXXX. I went on and paid {$220.00} TO BE IN COMPLIANCE WITH MY INSURANCE COMPANY!!! NOT MY MORTGAGE COMPANY. It is obvious they are not in compliance and hiding something when it comes to escrow. I already paid with my mortgage payment which includes the property insurance and property taxes. SPECIALIZE LOAN SERVICES did not pay another escrowed bill once again. I am not happy at all with their service. I refuse to talk to the customer service because I do not get anywhere and everybody I talk to sounds like they are in training.
Refused to all me to connect my account to an outside service and to access and manage my funds.
FCO claims I owe a debt from an apartment community I had reached an agreement with to move with no charges. Without my knowledge the apartment company filed eviction after I had moved per our agreement. I received calls 3 years ago from a XXXX MD number but never a voice mail. I received no written correspondence either. In XX/XX/XXXX I was turned down for an apartment and learned about FCO on my credit report. I sent a certified return receipt letter on XX/XX/XXXX requesting they validate the debt and I was disputing the debt. From XX/XX/XXXX through XX/XX/XXXX I received twice daily phone calls from FCO. I was not able to answer and they did not leave a voicemail. After receiving no debt validation I sent a follow up letter in XX/XX/XXXX. Once again I began to receive phone calls from FCO immediately after they received my letter. I did not answer the phone as I had sent letters requesting debt validation. I received a word document with charges listed all in XX/XX/XXXX. I finally called them and when I questioned the validity they then sent me the same document but had illegally placed a company logo on the top. This is not the company I rented the apartment. I was told that XXXX the Compliance Officer did not speak to people on the phone also the one time I called. I was asked if I had an attorney and I should get one if I did n't. FCO continually refuses to verify this debt and responded only with this word document. I also forwarded via email to XXXX her communications with another person who she removed the account and cleared the credit report since she could not verify the debt. FCO has recently been sued by the XXXX for these exact illegal practices. XXXX has also been XXXX recently which goes to character. This company uses illegal practices including cutting and pasting a company logo ( the new owner of the apartment complex ) on a word document and mailing it to me. This is mail fraud!! Creating a document, presenting it as genuine?? I just recently sent yet another letter to FCO requesting again that they verify the debt. I do not owe this debt. Please help. I will agree to allow CFPB to publish this so that it may help others about dealings with FCO.
To begin my story, I decided to attend XXXX School specifically XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. At the time, I had just gone through a bankruptcy so I had to take out a private student loan which had a high interest rate to pay for college. Everything was ok at the beginning, I started to attend class and was doing very well. As I was attending class I was put on a payment plan by the XXXX XXXX, things were ok for a while but as school started to get more demanding I could not work as much and my payment plan with the school started to suffer. Because, I could not keep up with my payment plan, I was told by the administrative staff at the Culinary Academy that I was going to be withdrawn from the school for non-payment. The most disappointing aspect of all this was that I was XXXX semesters from graduating!! So, after a long battle with the school, I start my XXXX career, which needless to say was extremely hard. There was never enough money to pay off the private and/or federal student loans, so I had to keep putting my loans in a deferred status, I think at one point I started with a XXXX to XXXX XXXX dollar loan and it just ballooned over time to XXXX XXXX dollarrs because I could never pay it back. I went along like this for years, until I ran out of time, I could no longer defer my payments. Since XXXX or XXXX I have been struggling to pay my student loans. At one point, I was so destitute I could not pay the loans and my credit was ruined by the loan provider ( XXXX XXXX XXXX I finally reached out to them and they got my loans back on track so I would not default, however it was too late my credit had already been damaged. Since then, I have tried to keep up but the payments for my private loan and federal loan add up to about roughly {$800.00} a month ... I just ca n't pay that anymore!! As of XXXX I reached out to XXXX which is now Navient and tried to work out a interest rate reduction and or payment amount reduction with Navient but they have yet to agree some relief!. They advised that me and my co-signer had to perform a financial analysis, which we did, only to be told that I did not qualify!! Which I do n't believe. As it stands right, I have a outstanding loan of about {$69000.00} dollars and {$40000.00} of that are part of the private loan and the private loan payment is {$600.00} a month at almost 14 % interest. At this rate I will not pay off my loan until XXXX, maybe even later ... I can not sustain this type of payment, I am going crazy!! it is really affecting my life. I am not sure what your organization can do to help, but any help would be much appreciated. The guess the most hurtful thing about all of this is that I did not get to graduate from college, I did not get a degree but I am still paying XXXX dollars to an organization ( Navient, formerly know as XXXX ) and having nothing to show for it. 

Sincerely, XXXX XXXX
Tower Loans has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.