WillisBack/dataset-financial-user-claim huggingface dataset:
After trying to reach a resolution with Navy Federal Credit union, it seems that in their previous response no answer was given on the steps being taken to remove these accounts from my name and the identity theft that has occurred. Previously i tried to notify Navy Federal Credit Union, that i have not ever applied for Membership with their Credit Union. I did not apply for any credit cards, and i have not applied for a checking or savings account. These accounts were opened as a result of Identity theft. I will attach the FTC Report. Navy Federal isn't taking any steps to resolve this issue and as a matter of fact they think its more or less a joke. I do not find Identity Theft a joke and do not find it funny. I even notified them by letter that i was a victim of ID theft and that i believed accounts were opened in my name. Additionally i did not allow permission for anyone to add me as an authorized user on any card this is also fraudulent. I notified their credit union promptly. Nothing has been resolved and they are showing two charged off cards and one card on my credit report as an authorized user. I did not use these cards to benefit. I did not apply for these credit cards or membership this occurred online. I did not give authorization for these credit cards. I want this resolved. You already attempted to send the Police department to my home for Elder abuse? This again is harassment first of all, the cop was stunned to learn that the person you said i was alleged abusing doesn't even live in my home. I advised the police officer that, and also advised Navy Federal has caused harassment to me and my entire family. This is the third case of Elder abuse they attempted to turn me in for, and lost every single time. Stop trying to harass me and my family. Remove the fraudulent accounts from my name and my liability. I do not care who your director of security " XXXX '' is and i do not care he used to be a police officer as he stated to my mother, and once again threatened her to visit her home. Then advised her he will turn me and my mother in for Elder Abuse. He attempted to do so and had the police department come to my home on false accusations. Again this is harassment. You can't send police to my home when you have no applicable cause. I want the CFPB to look into the way Navy Federal is treating people, especially victims of Fraud they treat them like dirt and harass them, threaten them and even go as far as to show up to your home. This is scary and you should not have to feel threatened from a Financial Institution.
I have try to contact Midland funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with XXXX Card Services and they do not have anything in there computer that says I owe them any amount of money. So Midland needs to stop reporting this incorrect information.
To Whom It May Concern : The creditor XXXX/XXXX, did not present a contract ( VERIFICATION OF DEBT ) as requested in XX/XX/XXXX 2017. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all 3 credit bureaus. XXXX failed to provide the required verification of debt within 15 days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.
Borrower received a permanent modification offer. It was received via email on XXXX/XXXX/2016 from the bank 's attorney, XXXX XXXX XXXX at XXXX, XXXX, XXXX XXXX. The borrower came in on XXXX/XXXX/2016 to sign and notarize the documents. On that day, I, XXXX, contacted both Caliber Home Loans, and the attorney 's office in an attempt to collect the label that, in the documents, was supposed to be attached. In my conversation with XXXX, I was given the address to MAIL the documents to, and was assured that it would be " okay '' if the documents got there late. The attorney did not respond to me until XXXX/XXXX/2016, XXXX week later. She attached the mailing label in that email, but, per my discussion with Caliber on XXXX/XXXX/2016, I sent the documents via USPS. The borrower called to make XX/XX/XXXX payment and was told that the case was " closed '' and that the borrower needed to reapply for a modification, as the documents were received after the due date. The documents were not received by Caliber until XXXX/XXXX/2016, and they were due XXXX/XXXX/2016, the date that the lawyer 's office sent the label. Please see attached. I escalated the case on XXXX/XXXX/2016 through Caliber, and was informed today, XXXX/XXXX/2016, that they stick to their decision to close the case and the borrower needs to reapply.
called XXXX they said the company shows included in BK and theres a XXXX balance BUT its still being reported as ( OPEN ) I said that is coming up as a Open Collection on my credit report when it was included in BK Ch XXXX and was discharged Ive wrote the creditor several times and called them they claim they do n't report on transunion but they do, they just put the BK in the ( comment ) area that a BK was filed it must be reported as closed once the bk was discharged, and there showing on my credit report all the negative, on the account which they ca n't do once discharged on BK Please help me with this creditor
The company ( Southwest Credit Systems ) calls constantly about a debt that they calim that I owe. I asked them to stop calling my cell phone and to conduct any further inquiries using the mail. They continue to call and I have spoken to them an addition two times and the last time I specifically told them never to call me again. They continue to call and it is interfering with my job. I 'm not sure if it is important, but i am also registered on the Do Not Call Registry and have been there for approximately 6 months.
Debt was the result of identity theft. I already attempted to resolve this with the company directly but they refused to remove the amount from my credit score.
In XX/XX/2013 my car was rear ended and totaled in an accident at the other drivers fault. My insurance company ( XXXX XXXX XXXX XXXX. located in XXXX XXXX. ) paid the vehicle off as the other parties insurance was giving me a hard time about the fault which was later determined their fault. I sent over the documents from XXXX  XXXX that showed the loan/account ( Nissan motor acceptance ) was paid off & closed at {$0.00} being owed & still a different company reports a balance being due.
I only use my Exxon Credit card to accept the {$8.00} Exxon Roadside Assistance fee each month. I have been paying {$8.00} per month since receiving the card in 1990. In XXXX of this year I missed my {$8.00} payment, but payed {$16.00} in XXXX, and {$8.00} each month since. I thought I was current again. 
I recently discovered that in XXXX, I was charged an {$8.00} late fee. In XXXX I was charged a {$26.00} late fee, and in XXXX, a {$35.00} late fee! Although I was current in my monthly Roadside Assistance payments, the only charge I was aware of, I was being charged a continually doubling late fee because of the single missed payment. When I called the company and asked to reduce the late fees back to the original {$8.00} charge, which I would pay because it was my fault, they said it was against their policy to reduce more than XXXX late fee. When I asked if someone with the authority to adjust the policy could call me and discuss this with me, I was told that the person calling me back would not have such authority. I am a paperless statement customer. If I were in a situation where I could afford only my {$8.00} payment per month, this late fee policy, now totaling over {$70.00}, would be a devastating burden. It is unfair. I would like to pay only the {$8.00} late fee that I deserve.
XXXX XXXX XXXX took over operations for XXXX XXXX XXXX XXXX and is not providing any account history. My account numbers have not changed.
I was a military servicemember XXXX in 2010. Prior to my discharge i had an auto loan through US Bank which i never missed a single payment on. After bieng XXXX my finances changed dramatically awaiting my VA benifits. I tried to work out a payment arrangment with us bank and they would not accept it. They repossed the vehicle shortly after my XXXX XXXX months or so. XXXX XXXX attempted to help us get current on the payments byt US Bank would not allow it they said our only option was to pay the balance in full. When asked why we were told because we violated the terms of the lease when we no longer had an allotment payment in place, ( which was not even an option ) We later found out that US Bank lost a lawsuit for these illegal practices but we never found out how to do anything about it. It took almost XXXX years to start getting full VA compensation and im XXXX. We have tried to contact US Bank to no avail and the remaining balance of this loan is still negative on my credit and hurting me and my family a great deal is there anything that we can do?
My mortgage loan was sold to Fifth Third Bank. Two months after loan was transferred I receive notice that my escrow is almost {$2800.00} overdrawn. I contacted the Bank via phone and was promised a reanalysis. This was supposed to be completed 1 week ago, but I still have not heard anything. My attempts at contacting them by phone and on-line have been rebuffed as they are constantly telling me my info ( loan #, SS # ) is invalid or my registration can not be completed at this time. I have spent several hours on this and am very upset that their automated systems prevent me from talking to anyone!
In XXXX, I got a loan with Wells Fargo a XXXX student loan it was XXXX paid out in XXXX XXXX and XXXX split in half. This covered XXXX units. 
The finance charge was {$24000.00} interest XXXX. 
They will or have gotten a total amount of XXXX triple the loan amount. 
I need help please!!!!!! 
I went into the XXXX XXXX XXXX in XXXX got the loan interest down to the XXXX XXXX  during my XXXX XXXX time until XXXX under the XXXX XXXX XXXX XXXX, I got the deferred for school on other occasions. 
Its XXXX I still over XXXX. My parents co-signed. My parents filed bankruptcy in XXXX in XXXX my step father passed away. When I got out of the military I called Wells Fargo begged pleaded to get help. Im now a single mother, working for XXXX XXXX as civilian. I still have this debt on me should. XXXX years later. I have attached all the documents I could find. 
This is insane. I wrote my XXXX in California in XXXX there was nothing they could do. In XXXX XXXX, I went bankrupt of the course the loan was not part of that since a XXXX student loan. Please help me I want my money back. They have made their money and now it looks like they did stuff with my credit I got another note as did my mom dated XXXX XXXX XXXX. 
Thank you. 
XXXX XXXX XXXX
I was told that it could be wiped off and consolidated but they just kept putting it in forberance and adding interest every time. I 'm a single mom with no income at the moment. I have n't worked in a long time. I have explained this numerous times to them and was told it would get taken care of.
INSURANCE ON ACCT HAS NOT BEEN ACTIVATED IT SHOULD BE ACTIVATED AND PAID
I have a mortgage with PHH Mortgage Co of XXXX XXXX 
PHH has a responsibility to collect my monthly mortgage pmts in a timely manner via ACH Direct Debit as established on the ACH authorization form that I signed and submitted XX/XX/XXXX. 
PHH was in compliance until I began to periodically submit clearly marked 'principle-only ' pts via check in XX/XX/XXXX. As directed by PHH, I always delay mailing these pmts until after the loan pmt is scheduled to be debited from my bank which is the XXXX of each month. Also, as directed by PHH, I mail the 'principle-only ' pmts to XXXX XXXX XXXX XXXX XXXX Yet, many times PHH is not taking the ACH debit action on the XXXX, but rather uses my 'principle-only ' check to cover that pmt due on the XXXX and applies only the balance of my check to the principle. The result is my loan pmt is delayed and my {$1000.00} 'principle-only ' check results in a mere {$440.00} applied to the principle. 
I see this as a fraudulent means for PHH to manipulate and collect additional interest on this loan and to deny me my right to pay this loan off as quickly as I can. 
I expect this mammoth mortgage company to honor our agreement to ALWAYS collect my loan pmt on the XXXX of each month via ACH direct debit. I also expect PHH to ALWAYS timely credit XXXX % of 'principle-only ' pmts to my principle.
I am wondering if you can assist me with filing a formal complaint regarding the servicer of my current XXXX loan that is serviced through Seneca Mortgage Servicing. 
I have been actively trying to get them to provide me with their Assumption requirements for my loan since XXXX/XXXX/15. They originally refused to acknowledge my loan is eligible for an Assumption, even though all of my origination documentation states it is eligible for an assumption. They then had stated they do not have an actual assumption process in place to support eligibility requirements that my mortgage qualifies for. Not having an assumption process in place as a servicer is also not aligned to FHFA servicing requirements, or those outlined under the CFPB requirements. They advised since they do not have a formal process, my only option is to refinance my loan, which is unfair, and deceptive practices in my opinion. They want to push my into a refi process to potentially charge me additional points, fees etc, which I am not the least interested in and have advised them accordingly a few times. They then sent me a letter for loss mitigation options, which I am also not interested in what so ever, as I am current, have always been current, and I do not have a financial hardship. As I have tried escalating this issues as a formal complaint with them, they also do not have a complaint process in place, no acknowledgement of my complaint, and no follow up with me on the issue. I am not sure if they as a smaller servicer, are also held to the same standards to manage a complaint process as set forth with requirements under the O.C.C., National Servicing Standards, CFPB requirements or by FHFA. The only time they respond to me is if I initiate another email to them online. I have let them know they had until last Friday, XXXX to contact me with an acceptable solution based on what my loan is eligible for based on my origination documents, which is well over 30 days from when I contacted them, followed up XXXX different times to work through the issue. I advised if they have not contacted me, like they have not been, my only other option is to escalate this issue to FHFA, you FHLMC, the CFPB, the O.C.C. and my state AG. They have not upheld requirements for all of these agencies to support an assumption process, have used unfair/deceptive practices to push me to products I do n't want/need, all due to their inability to service my loans to the eligibility/standards outlined in my origination documents I signed. 
Anything you can do to assist is appreciated. This is also all also documented in their online email site as well.
This is from a previous complaint, which was escalated to the Federal Reserve on the acct, XXXX XXXX XXXX XXXX XXXX XXXX, showing on my credit report. It was resolved via the Federal Reserve,  however Equifax is continuing to show this account after XXXX XXXX XXXX XXXX XXXX conceded and told the Federal Reserve that an ( AUD ) Automated Universal Data form would be sent to the 3 CB 's. Well, both XXXX and XXXX have already deleted/removed the account, but Equifax has not. I spoke to an Equifax customer service representative last week and was told that they had not received the form. I reached out to the Federal Reserve agent and she told me that XXXX XXXX XXXX indeed sent the AUD. It is my contention that Equifax is ignoring the request to have the account deleted from my report. I believe the AUD went out to all 3 at the same time, therefore Equifax should 've already deleted the account. ( I am attaching a copy of the letter from the Federal Reserve for your review )
I was in an auto accident on XXXX/XXXX/XXXX - taken by ambulance to XXXX ER. <P/>I was not at fault. XXXX XXXX pending. <P/>XXXX XXXX service took me to the hospital at the time of the accident. At the hospital, insurance information was provided to hospital as well as the ambulance service. <P/>I have an Attorney handling my claim. Attorney XXXX XXXX - XXXX His office provided the auto insurance information and also stated that the case is still active and pending demand. <P/>National Ambulance service XXXX - prematurely sold my account to XXXX XXXX XXXX - XXXX without submitting to health insurance or auto claim. XXXX XXXX XXXX put this auto claim invoice into collection, ruining my credit score. I am in the process of buying a home and this issue is ruining my chances of purchasing my first home.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are errors.
In 2014, we fell behind on making a credit card payment. We were contacted by AllianceOne. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from XXXX XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.
State Farm has been refusing to remove PMI from our mortgage. We are now below 78 % and they continue to require it. They are not honoring the Homeowner 's Protection Act of XX/XX/1998 which requires automatic cancellation on the first day of the first month of achieving a 78 % LTV Loan to Value ratio. 
There are no limiting factors applicable in our case, such as late payments, the loan is current, the property has been improved with other structures so there is no concern regard devaluation. 
They are refusing because they can. There is no justification. 
Please help!
1 ) My wife and I are disputing a XXXX XXXX account with a balance as it appears on Transunion and XXXX 2 ) My wife and I opened a joint account with XXXX XXXX which later on settlement was agreed upon as " uncollectable '' 3 ) In the court case : " XXXX vs XXXX '' it clearly states that showing a balance is a form of collection activity 4 ) my wife and I repeatedly notified both Transunion and XXXX as well as XXXX XXXX, but they keep verifying that the balance they have is accurate 5 ) We have attached the following documentation to this complaint : a ) settlement with XXXX b ) Notice Potential FCRA Violation - TU c ) transunion reply XXXX d ) replies from XXXX XXXX and XXXX XXXX ) All we are asking is for the XXXX account to show a XXXX balance
My company filed for chapter XXXX bankruptcy XXXX 2013 and listed the City XXXX as a debtor. A law firm contacted my in about XXXX of 2013 telling me that I owed a debt to the City XXXX for an unpaid business license for 2013 for a company that was closed at the time the payment was due. We had previously closed the company on the City 's business web site. 

At this time I told them in writing of the chapter XXXX filing and asked them to cease and desist all further attempts to collect the debt that was included in the bankruptcy. 

I never heard from them again until a few weeks ago when the same law firm sent me another demand letter for payment even though the debt was included in the bankruptcy filing and discharged.
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XX/XX/XXXX my mortgage company Nationstar sent me a letter stating I was behind in my mortgage by few payments. I had just completed a chapter XXXX bankruptcy in XXXX. My house as well as my trustee payments were under strict compliance. I called Nationstar to resolve this issue but no one I spoke to could give me the dates of the missed payments. I spoke to a Hud councilor who referred me to the CFPB. I submitted a complaint ( case # XXXX XXXX on XXXX. Nationstar researched the problem and found XXXX payments that should have been credited to my account from their bankruptcy department. When I logged on to my account they had credited me with XXXX payments but then had taken one back out. I have since contacted the Attorney General for the state of XXXX as well as the Attorney General of XXXX. Nationstar has replied that now my missing payments were from around XX/XX/XXXX. XX/XX/XXXX was involved in a motion for relief during my bankruptcy. My previous mortgage co. XXXX had changed my house pymt but had not included the escrow amount. When XXXX realized the mistake they filed a motion for relief. I was instructed by my attorney to hold my house payments until the outcome of the hearing. The outcome that was settled on was for me to remit a payment of XXXX and to make XXXX additional pymts of XXXX each month beginning on XXXX/XXXX/XXXX. All payments were sent to and deposited by nationstar as they had purchased my mortgage at this time. I am not behind in my mortgage payments. Nationstar continues to send letters that I am behind and I just simply want them research this and get this issue resolved. I hope this information will help.
The company XXXX sold my account to a collection agency by the name of XXXX, XXXX XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.
This company calls our home XXXX times per day. The calls are rude, harassing and threatening! We have explained to them, we are XXXX citizens. We have no debt. We have no credits or anything. The only thing we pay each month is out electric, telephone, cable.We have called the number back, and asked for a manager. We spoke to a XXXX XXXX. She was extremely rude and nasty. 
This is the company : Commonwealth Financial Systems , Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, PA XXXX : XXXX : XXXX are XXXX citizens. We do not deserve to be treated with such harassment and disrespect. 
Email : XXXXXXXXXXXX