WillisBack/dataset-financial-user-claim huggingface dataset:
I am very disappointed of Cfpb and their represanative its a shame and I am disgusted of Cfpb operation you been invented to make sure banks motgsge servicer doesnt cheat and XXXX off consumers instead you are helping these XXXX XXXX cheat mortgage servicer to XXXX  off people and frsudly take peoples home. 
Read the documents I included take action I am not alow SLS monster to take my home SLS is a cheat XXXX XXXX off stop these monsters now I sent their conducts to the FBI and I will Also contact my state attorney and federal court SLS should be shut down they are not and mortgage servicer they are fraud cheat XXXX  who have to be punished for what they done continue doing to people What I sending u is just a small portion I have about 100 pages of how these monsters do business and put people out in the stree read them
I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.
In XX/XX/XXXX I found out that I had an account that was in collections and speaking with the bank that purchased that account I made the agreement that I would pay the account off and they would remove it from my credit as reporting so on XX/XX/XXXX I paid the account info and I still am unable to get it taken care of
I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXXXXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through experian that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive
I had a mortgage through Chase Bank. I sold the house in XX/XX/XXXX through a title company and realtor. Chase did not apply the funds to the account appropriately, so the account remained active and open. I realized this in XX/XX/XXXX. After a large number of attempts to resolve the issue via phone, fax, email, in person, attorney, etc., the account was finally closed in XX/XX/XXXX ; however, Chase damaged my credit score throughout the 16 month process since they showed the home in foreclosure. They closed the account without me making another payment on the house since XX/XX/XXXX. Chase owes me money out of the escrow account, an apology, and a repaired credit score as I am being turned down for credit I would otherwise get if they had carried out their fiduciary responsibility.
XXXX and XXXX have had data breaches since I have been on their servers. Ever since I branded my company through their servers I have had the toughest time keeping them out of my inbox and out of my business. I do not trust them, their subsidiaries, or anything else involving " friends '', " business associates '' or anyone else named herein. 

Additionally, XXXX, XXXX and their subsidiaries have sampled, used, and reproduced my material without permission or actually keeping count of my plays, listens, or promotions. 

They, in conjunction with XXXX, have continued to suppress my free speech since college. Their ad-space is cheaper for politicians than they are for struggling students and single mothers across the globe. I don't trust them or anything they provide to the community. The ONLY reason my accounts are still available to this day, are because I like to listen to music and think about life.
I have contacted Equifax many of times asking them to remove this item from credit report because it does not belong to me. I also asked for all original paperwork because I've never signed up for this account and Equifax still won't remove. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
XXXX XXXX XXXX XXXX Home Equity Line of Credit account was removed from my credit report. I paid this joint account of {$120000.00} off, and received the Full Reconveyance, after my husband passed away. 

My home of 14 years was unlawfully taken and taken and sold by a court appointed receiver ( XXXX XXXX XXXX, President of the Probate Referees Association ) who intentionally disregarded/ignored the facts. 

I am the spouse in a community property state, and sole beneficiary of the J. XXXX XXXX XXXX XXXX, which held 100 % of my home. 

XXXX XXXX XXXX was assigned to Civil Case # SCVSS XXXX and Probate Case # SPRSS XXXX. XXXX XXXX XXXX disqualified self, and then ordered the destruction of the exhibits. Attorney XXXX XXXX filed my husbands XXXX XXXX XXXX XXXX XXXX for XXXX, and then it simply disappeared. 

I paid our XXXX XXXX XXXX XXXX XXXX loan in full and received the Deed of Reconveyance, but this fact was also disregarded/ignored. 

Any assistance is truly appreciated. Thank you.
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
The account with  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX  account #  XXXX  was  discharged  with my ch  XXXX  bankruptcy. I have forward all the information to Equifax 4 times and still they are saying through the investigation the account is being reported correctly. The account is showing as an open delinquent collection on my credit report. I have spoke with a representative on the phone and she to said the account is being reported correctly and she advised me to fax in my bankruptcy information. I did as she advised on to get the information back saying the account is being reported correctly. I need to know my next steps to get this account removed from my credit.
Sent the attached letter to the credit company at the same time filed with CFPB. This credit report is a joke. Its 90 percent wrong and I paid {$39.00} for it. See attachment
Ally Auto received XXXX checks on XX/XX/2016 at XXXX and proof of XXXX delivery, which was signed for. XXXX check was {$17.00} and the other was {$32000.00}. The total amount was more than what was owed. I called on XX/XX/2016 when they were not posted and was told, it was not enough for the payoff and was told if I did n't make a payment of {$51.00}, they would not post the payments. I was also told it could take up to 10 days and would not be posted on the date they were received. When I was getting nowhere, I contacted my rep at the XXXX XXXX XXXX XXXX and she has called everyday since XX/XX/2016. She has never spoke to the same person and within those calls, did get a reference # XXXX. Ally Auto has confirmed they have the XXXX checks and keeps assuring her they will be posted within 24-48 hours and it has been escalated and that it takes time. It has been 7 days since the checks were received. This should not be happening and I have read other reviews on line about this happening to other people. Ally Auto has been called everyday, a few times a day to try to get this resolved and as of today, my auto loan is still showing a balance. The call today, my rep was able to speak to a supervisor, who told her they are working on and will be posted today. She also told her that we just need to have patience, that these things take time. This is unacceptable. As a bank, the check should have been posted the day it was received. I will NEVER go through Ally Auto/Bank again would like warn others who do.
Coinbase, inc. claimed they would refund my {$100000.00} transfer I sent in XX/XX/XXXX because I had sent from a business instead of a personal account. 
Two months later, and they still have n't returned my money nor email me the status.
I have a current issue with XXXX XXXX. They agreed to pro-rate my last invoice. They forgot. I have made several attempts to resolve. I owe for XXXX. They stated, once, they were going to pro-rate the debt. I agreed to send them what I owe them. 

Amsher Collection Agency has called me several times over the past XXXX weeks or so. Each time they called, I disputed the debt. 

Today I spoke to XXXX at Amsher Collection Agency. She said the dispute ca n't be verbal but mandatory, must be in writing. I asked her to check because I thought she was wrong. 

She went on to say in order to get the dispute process started I must make a goodwill payment, what? She then repeated her statement and said yes I have called several times and claim I do not owe the debt but dispute must be in writing.
Equifax improperly shared my credit report and even after receiving a police report, refuse to remove the information from my file XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
I have a number of loans serviced b y PHEAA. I also h ave a number of consolidated loans serviced by  XXXX   XXXX . I am currently paying, on-time, income-based repayments to the consolidated loans serviced by  XXXX   XXXX . I have been unable to get PHEAA to create an income-based repayment plan for the loans serviced by them, and so I have spent the past 6 months wasting deferment, which should be used only in cases of emergency, and not for staving off the ill-effects of PHEAA incompetence.     6 months ago, I submitte d IBR  requests via   XXXX   The request sent to  XXXX   XXXX  was processed immediately, and I began making on-time payments. Because this was my first time making loan payments, I assumed that I had everything squared away. 2 months later, however,  PHEAA  informs me that I am behind on payments.     As it turns out ( and according to a CSR fro m PHEAA with  whom I discussed this matter ), at the time that I submitt ed my IBR requests, PHEAA was not accepting online IBR requests f rom  XXXX . PHEAA did not inform me of this, and so I was unaware, at the time, that the request had not been processed.     For the past 4 months, I have submitted complete forms and supporting materials  to PHEAA to attempt to create an IBR plan. Over these 4 months, PHEAA has had a number of failures : Thei r website would not pull from federal IRS forms, their online uploading system has been down, their auditors have failed to comprehend even the most clear documentation of income, In those 4 months, I have never had anywhere near the income to pay the required payment, absent an  IBR plan. This means I have had to use my precious little deferment while dealing with constant delays and failures on the part of PHEAA. Not only that, interest has been accruing on accounts that should have begun receiving payment, had PHEAA processed, in a timely or accurate manner, any of the numerous IBR plan requests I have sent them in that time.
I have no idea who these people are. I have never contracted with this company. It's all fraud. A company called Helvey and Associates item # XXXX have been reporting false claims to the credit bureau knowingly that I've never heard of them until my credit report. This company and XXXX XXXX   are both reporting false information to hinder me from obtaining credit. {$130.00} and it appears to be the same items masquerading as accounts.
I have never had at XXXX account much less want one. I have received a letter from afini collection in Illinois and so far what I Ave read about them they are either a scam or they are a third party debt collector. If them hey have my ss number and report them hey his them hey his own my credit then someone has either stole my identity or used my name and ss number somewhere without me knowing. This is not my debt as I have never had XXXX.
Navient has been in trouble for obscuring verifiable student loan repayment information before. They also have a ongoing practice of " losing '' or " misidentifying '' submitted materials. I submitted information for an Income Based Repayment schedule. They conveniently " lost it. '' I called to direct them to the material in their hands/system. They confirmed ONLY WHEN I CALLED that it was their mistake and I had submitted the paperwork. They then " kindly '' put me on a two month forbearance while they " fixed '' the problem and processed the paperwork they already had in their hands. I will be accruing interest on my loan during that period. This is regular practice for Navient. I have never submitted materials they did not somehow " lose '' or " misplace '' or " misidentify. '' They consistently offer a forbearance and giving their clients no option but to accept it as they process work they could have already completed. 

Someone needs to audit Navient and affirm that they have not made it a policy to delay processing of loan repayment paperwork. In my experience this has happened multiple times. It can not be a coincidence. If it is a coincidence then the Federal Government needs to rethink their connection with Navient until the company can either improve upon their blatant incompetence or comply with federal student loan policy. It appears that no one is policing them, even after their issues last year.
On XX/XX/XXXX I check my XXXX credit report, and I noticed that there were a negative mark. This negative mark were due to a debt from XX/XX/XXXX, that I have never ever been notified off. I was not given my fair share of the law, this debt has caused my credit score to drop 32 points.
XXXX, EXPERIAN AND XXXX  HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.
I entered into a contract for a 36 month lease through Nissan Motor Acceptance Corporation in XX/XX/XXXX for which I have monthly payments set up through my bank auto-pay feature. On XX/XX/XXXX I logged into my NMAC account to find the payment for next month had increased by {$3.00}. When I called NMAC to inquire about the increase, the representative advised that there were 9 counties in Florida that increased sales tax this year. She went on to mention that my county, XXXX XXXX, increased from 0 % to .05 % which increased my lease payment. I asked the representative whether NMAC contacted me to notify me of the payment adjustment and her response was, " No, this was something that was voted on in your county & not Nissan 's responsibility to communicate. '' This is completely unacceptable. Had I not checked the XXXX site on my own accord & because I have auto-pay enabled for this lease I would not have known about this payment increase.
I was not given any notification that this medical bill was going into their collections and would not have known this, unless I had not been monitoring my credit scores at the time. This deliqent mark on my report ( given to all XXXX major credit companies ) dramatically effected my score.
Money Lion is a service where you pay monthly for the ability to take out small loans. I signed up for it in haste because I was in a pinch but, I never used it. I called on XX/XX/XXXX to cancel it ( day after account was opened ) and they told me I was unable to cancel it because they were in the middle of an ACH transaction on my account. I told the representative that I withdrew their ACH authorization on my account but she refused to comply. Fast forward to XX/XX/XXXX when 4 more ach attempts are charging me overdraft fees, I call again and they tell me that their terms supersedes federal and state law and I am not allowed to withdraw my ACH authorization. They refuse to cancel my account and they refuse to stop ACH transactions. Meanwhile, they compound $ XXXX monthly fees for an account I can't cancel. This is a scam and they are acting unlawfully.
There are 3 accounts from Navient that show delinquent on my report that should be closed. These accounts were DISCHARGED on my Chapter XXXX bankruptcy earlier this year! My public records list Navient ( private loan ) as DISCHARGED, through the bankruptcy courts of 2018! Why has it shown discharged before, but now its showing delinquent & im getting emails & phone calls from them. I even submitted my discharge papers to Navient, but they continue to harass me!
Someone opened an account in my maiden name with my social security number in 2005. 
I am now getting collection calls in reference to this account. This account does not appear on my credit record.
There has been two ongoing issues related to insurance and property taxes. The insurance has been ongoing since XXXX 2016 and the property taxes for about 4 weeks now. In XXXX, I received a letter from Round Point Mortgage requesting documents of hazard insurance of my property. I called RoundPoint and spoke to one of the representatives who gave me instructions to send my HOA documents via email to their insurance department. As requested, I had emailed my documents that same day. Found out in XXXX, Round Point had charged me for Hazard Insurance which made me fall on a " shortage '' on their escrow, increasing my XXXX mortgage more than {$400.00}. I called and followed up with RoundPoint explaining that I had already submitted these documents to provide proof to them. One of the representatives could not locate my files or even my email that I sent. After being placed on hold for more than an hour, they were able to transfer me to the insurance department and was able to locate my email with all the documents to then add on to my profile. I was told to give it about 2 days for them to work on removing the hazard insurance they had charged me, but until today, I am still following up with them and it has yet to be done on their end. As far as property taxes were going for XXXX, there were XXXX taxes total ( XXXX secured, XXXX supplemental taxes ). Of the XXXX, I had paid the XXXX half of the secured tax and XXXX of XXXX of the XXXX supplemental taxes. I requested RoundPoint to pay the rest, although they ended paying all of the supplements, after I explained I had paid for the XXXX half already, I was avoiding having to have a large " shortage. '' The representative explained it would take up to 4 weeks until the county would refund them what they 've paid for. I continued checking the online status of my property via XXXX County website on the property tax payment. They had never posted Round Point 's payment that claimed to have paid on XXXX XXXX, 2016. It only shows the XXXX payments I had made on XXXX XXXX and XXXX XXXX, 2016. I called Round Point again to explain this to them, when one of the representatives explained to me that I should call back on the due date of those property taxes ( XXXX ) and if the county did not receive their payment, to follow up with Round Point again. I called XXXX and spoke with another representative to explain the county had not received their payment and now accumulated late fee for the XXXX half of the tax. The lady informed me to download my billing statement and provide this to my county, which I thought was Round Point 's responsibility to have taken care of this matter. Today, I am left with no resolution to both these issues with what the county looks at unpaid property taxes from my lender and hazard insurance was issued by my lender 2 months after I had provided them proof of documents these were covered through my HOA.
I wrote to my mortgage company ( Nationstar Mortgage ) on XXXX XXXX, 2015 asking them how they determined that I needed to pay {$120000.00} to bring my mortgage loan current as I was allegedly in default. I also asked for the name of the entity which holds the note on my mortgage. In response I was sent a copy of something called a " previous servicer history '' and " Nationstar Mortgage history ''. Neither of these documents tells me how Nationstar arrived at the {$120000.00} amount demanded in its letter to me. In fact, the {$120000.00} figure appears nowhere in either of the histories. Furthermore, Nationstar 's letter only tells me who the " investor '' is for my loan. I did n't ask for the name of the investor but for the entity that held my mortgage note.
I took a loan out with   XXXX   XXXX   back in  XXXX  that was modified by the Federal Government. Then these recent group of companies hiding behind   XXXX   XXXX   are attempting to say I owe them money when this loan was paid off long ago and they know it. As a matter of fact   XXXX   XXXX   has recently been fined $  XXXX  by the  OCC  and I wonder if you can forward this complaint to them as well. The acting agent of   XXXX   XXXX   is  Caliber Home  Loans. I attach a copy of the complaint and they have been posting my payments to  Unapplied F unds and Escrow and not to Principal as agreed. In fact I had {$13000.00} in Escrow back in  XXXX  which were never applied to Principal.Thank you so much for your help.  XXXX   XXXX