WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I attending a closing at the XXXX XXXX XXXX, XXXX XXXX offices to complete the sale of my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The firm was provided a payoff letter from the mortgage holder Mr. Cooper ( formerly Nationstar Mortgage ) created on XX/XX/2018 and good through XX/XX/2018. XXXX XXXX XXXX " cut a check '' ( actually prepared a wire transfer ) for Mr. Cooper in the amount stated on the document ( {$100000.00} ). I also had previously been in touch with Mr. Cooper, apprising them of my decision to sell the property. Mr. Cooper followed through with the foreclosure on the basis of a short payoff they said occurred because of a disbursement not listed on the payoff letter. Mr. Cooper now refuses to grant the release of the property while continuing to charge me for the monthly mortgage ( I haven't lived in the property since the closing ), as well as charging me for late fees, legal fees, and other charges. 

At the time I'm making this complaint, I'm also sending Mr. Cooper a demand that they rescind the late fees and other charges. 

Mr. Cooper made no attempt to contact me through e-mail, and terminated my online access to the account. I wouldn't be aware of the current situation had I not contacted Mr. Cooper of my own volition. 

The loan number from Mr. Cooper is XXXX. 

Thank you.
I have a joint checking account with my mother at Capital One bank. My mother is the primary account holder and recently XXXX XXXX. Even though I am a joint owner and should have equal access, Capital One froze the account and refuses to release the funds without a copy of the XXXX certificate, which may take a while due to some issues with the doctor signing the certificate. My mom opened this account with me with the intention that I would be able to access the funds in order to handle expenses when she XXXX. Capital One did not properly disclose their practices when the account was opened. As a joint owner, I should have equal liability and benefit in regards to the account.
Direct recovery services contacted an acquaintance last Friday on how to get in contact with me, Ive never heard from this company directly until yesterday they tried calling me, they also contacted my dad 3x and step sister 3x yesterday alone, I called them last Friday and ask them to stop calling any person I know threatening legal actions, when I spoke with the first gentleman on the phone he stated a name and last 4 of social which at this point anyone can say there me and get the info in regards to this matter but now the harassing phone calls keep continuing and they will not stop
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX no contract no signature
1. I do not recognize the following hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX
I have recently ordered my credit report from equifax and I 've noticed multiple inquiries listed on there that I did not authorize or recognize inquiries such as XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX
I went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ XXXX to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.
XXXX is still on my credit report as debts I do n't have no debt with them I disputed 2 years ago it is still on my credit reports Thanks XXXX XXXX
Hello, I disputed an innacurate collection account ( XXXX XXXX ) with Transunion which came back verified. I have sent XXXX XXXX XXXX XXXX a debt validation letter which they received on XXXX XXXX, 2015 XXXX and they chose to ignore many questions in my letter concerning my request for validation. Transunion have come back to me and stated that they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.The FCRA requires Transunion to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. If Transunion continues to verify this collection instead of deleting it, I would like for them to send me all information on file pertaining to this account per FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer :
I called global to report this account as Id theft and they say they have to xfer me to a supervisor in order to validate my complaint and when the xfer me I only get they sup voice mail box. I do n't have time for that. The need to process my complaint now
I am making payments on a small car loan, may be running late about 20 days. The lender has called me 36 times in the last 20 days, or so.
XX/XX/XXXX/XX/XX/XXXX continues to show in dispute status, after I told them I'm no longer disputing the validity of this account ( amongst others ) for almost over a month. I've sent letters, made phone calls, and done everything humanly possible to have the dispute language removed, but to no avail.
I received a letter from United Recovery Systems stating that my account ending in XXXX with XXXX had been referred to them foe collection. 
I have a current copy of my XXXX Credit Reoprt that shows said account was " Closed at grantor 's request as of XXXX XXXX, 2014
I purchased treatment packages on three separate occasions from the XXXX XXXX XXXX XXXX XXXX location off of XXXX XXXX ( which is no longer open ) in the past two years. I pay my bill every month, on time, sometimes early, and sometimes more than the minimum. I had received notifications of finance charges upwards of {$700.00} and {$800.00} previously and did not think it was odd because I knew the APR was around 26 % or 29 % so I assumed charges would be around that at the end of each year. I was just charged an additional {$1600.00} on XX/XX/18 because XXXX XXXX ( who the financing went through ) and XXXX XXXX claim that the purchase cost of my package was only good for 24 months. This was never told to me, on THREE SEPARATE OCCASIONS. I was never told that I needed to pay the full $ 2500- {$4000.00} within a 24-month period. For many reasons, this whole situation is wrong. They were never transparent about the 24-month deferment period, they never explained that the promotional pricing is only valid until the  plan " expires '', and they never explained that I would be charged the full remainder of their version of the plan if the promotional amount wasn't paid in full by the end of the 24-month period. I cited my income on my initial application and there is no way anyone of that income level can pay off these amounts in 24 months. XXXX XXXX and XXXX XXXX know this and yet they approve huge credit lines, above what is necessary so they can charge these crazy interest fees. XXXX XXXX   rep XXXX simply apologized that it was never explained to me but said there was nothing they could do. To charge a 29 % APR and not tell someone the price they agree to pay would expire in 24-months is complete lack of transparency and I'll go a step further and say that this is also false advertising. XXXX XXXX plays commercials on the radio stations all the time that falsely state certain packages are free or specially priced and when you go into the office to purchase them, they give you this big schpiel about how lucky you are that you came in during this time for special pricing on all areas. They never once, in THREE separate purchasing occasions ( in that office specifically ) explained or told me the plan would expire after 24-months then I'd have to pay an insane amount of interest accrued according to them over those same 24 months. This is robbery. First they charge you for the service, then don't tell you those charges expire, and instead you end up paying thousands of dollars on top of the service. They should only be charging for the service and nothing else. Also XXXX XXXX, out of nowhere, last year, closed my account without notifying me or giving any explanation. The only way I knew was because I check my credit report regularly and saw that the account was closed without my knowledge. XXXX is wrong in this situation and so is XXXX XXXX. They are pulling a huge scheme and just keeping good people that pay their bills in debt. Please help sort this out and hold these terrible businesses accountable.
For the past 18 months I have been disputing with TransUnion, the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to TransUnion. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that TransUnion added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX UNITED STATES DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX was added before called XXXX XXXX XXXX for XXXX XXXX *credit report in XXXX did not show US Department of Education , they continue to remove and than add back to my credit file. 

I also told them to remove inquires that I did not authorize and to provide me proof, the inquires still remain on my credit file as below. 

XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX I also told TransUnion to remove the addresses not affiliated with me , those address is as followed : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and add the correct address . 

My last certified letter that I sent TransUnion was on XXXX XXXX, XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
XXXX XXXX collection agency on XX/XX/XXXX, they garnished my accounts and then they tried again and again but the Bank, charging me those ilegall attemp to my accounts and they knew I did not have money on those accounts.So that 's Debt is not mine is from XXXX XXXX
I had contacted experian to remove a account from XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me. I have documentation from my XXXX account sign in.
NOTE : This is not a new complaint, I simply wish to amend my response to an existing complaint ( XXXX ), but there does n't seem to be a facility to do so online. 

Anyway, in addition to the fact that I was not notified of the rate increase on my credit card account, I would like to note that when I did eventually notice the increase ( after almost a year ) and inquired about it, the rate was immediately changed back to the regular rate. While on one hand that is obviously a positive thing for the consumer, it goes to show that American Express 's strategy to maximize revenue is to charge a huge rate, *until the customer notices it*. This strategy is consistent with them not being motivated to notify the customer of the rate interest in the first place ; it is obviously not in their best interests.
In XX/XX/XXXX, I lost my self-employed company and was unemployed for over a year, My wife and I started a Loan Modification with XXXX in XX/XX/XXXX. In summer of XX/XX/XXXX XXXX held a one day negotiating with several lenders present. Bank of America was our lender and sat down with XXXX to deliver a Fifteen year, fixed rate at 2.00 percent. We signed loan docs and our payments XXXX were based on fixed rate of 2 percent taxes and ins added. We were told the loan was approved and the payments would begin within 30 days. We were sent loan doc 's on XX/XX/XXXX but ( Loan Modification Agreement ) did not read the docs due to all of our personal issues and did not realize a reputable bank would scam a innocent home buyer. We have now found that we never were issued a fixed rate. In fact a ARM and a Balloon payment in the end of this loan. We now this is an illegal act and XXXX was not aware of the fraud and abuse by Bank Of America. The loan is currently with XXXX XXXX who denies all possible liability. I was given CFPB information directly by XXXX.
Tried calling TransUnion for assistance on my credit report. Was told " Special Handling '' is the only ones that can assist me with my report and that I 'd be transferred. No one ever answers when I call. I just receive voicemail. My calls are not returned. When I call back and ask for the direct number to this department, TransUnion wo n't give it to me. I 'm told I just need to call back to the regular number and asked to be transferred. 

I feel TransUnion is treating me different based on my prior complaints to the CFPB, and now TransUnion is failing to provide me the same assistance as they will to others on the phone.
My issue is with the holder of my FHA mortgage lo an, Chase Mortgage. They have switched me from one contact to another and from  department to department. They have told me they would work with me after I missed some mortgage payments, then when I tried to get help gave me the runaround. After they finally completed a review based on outdated information they told me that if my situation changed that I could be reviewed again. After my situation changed I began trying to get them to open a new review, but have not been able to make any progress. Instead of being reviewed for FHA homeowner assistance programs I am going into foreclosure.     My father in law bought this home in  XXXX  and the following year I was able to qualify for this FHA loan to purchase the home and put it into my name. My wife and I live here with our  XXXX  children. I had worked for many years running a food truck, but this was a very seasonal business and it was hard to stay afloat. I began missing mortgage payments in  XXXX  and reached out to the team at  Chase for help.  They told me I could apply for a modification, and I completed all of the paperwork and submitted it, but was later told it was denied due to insufficient income. A few months ago I changed professions and started working as  a contractor. My wife has been employed as a literacy coach for 10 years and she makes a good wage. The self-employed contractor job was very slow at first for me, but now things are going good. I have tried to get Chase to take another look at our current financial situation but have run into roadblocks. My designated contac t changes every few weeks. An actual review of the last few months financial information has never been completed by Chase, and I just get the runaround when I call in.     I am now being pushed into foreclosure by  Chase, and feel this is wrong, because Chase is required to conduct a review of my  current and correct financial information in order to assess eligibility for all FHA government loan programs such as modification, partial claim, forbearance, repayment plan or restructured loan.     I am trying to get  Chase to work with me and follow the rules and escalate our file and initiate a review so that we can get back on track with our payments. With the changes in our financial circumstances I am certain that we qualify for assistance, the issue is that Chase has f ailed to give us that chance, and this is wrong.
I have an inquiry dated XX/XX/2017 from Navy Federal Credit Union that I did not authorize.
I signed up for a checking account from Citibank with promo code XXXX. The terms were to deposit $ XXXX and keep it in the account for 60 days, then they had 90 days to pay out the {$400.00} bonus. The 90 days are up and I am not confident in this bank following through with the bonus. 

I opened the account XX/XX/XXXX and deposited {$30.00} as soon as I was able to I deposited {$15000.00} on XX/XX/XXXX and took $ XXXX out on XX/XX/XXXX. The 90 days has expired to pay the bonus, I have chatted 3 times online and it appears they just tell me to check back. The last time they gave me a number to call and fill a bonus resolution, which is where this is right now. I don't have confidence they will follow through as I have looked online and they have a history of these bad business practices.
To whom it may concern, This debt was on my credit report in the past under another debt company " south west '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXX XXXX XXXX and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.
Account with Navy Federal Credit Union. I have asignature loan and also a car note with Navy Federal credit union. I amfiling this complaint because I need help and I truly want to getback on track with NFCU and prevent my car from being repo. Iseparated from the Navy XXXX 2014 due to medical related issues. I hadinsurance on my signature loan and when I separated NFCU stated theinsurance was taken off due to me not signing my promissory note whichwas not correct. After months and months of going backwards andforwards and me doing a XXXX complaint it was discovered by NFCU I didsign the note and they reinstated my insurance. I filled out the claimand was told that the insurance was removed again due to none payment. 
I requested to NFCU that they correct the late days due to it being nofault of my own and was told that was not possible so my loan wentinto default. I was paying my car note every month ( Loans/support fromfamily and friends ) and 90 days ago I went into the NFCU branch andthey refused to take my payment. I called NFCU and was told I mustcontact a third party company to pay the loan. I contacted the thirdparty company and explained my situation and I was told he personallyknew the lead for collections and he would talk to her and help me geteverything back on track. To date no response
Describe what happened so we can understand the issue ... 
I was granted trial payments for a loan modification in XX/XX/2016. I have made every payment on a monthly basis as indicated last payment on XX/XX/2016. I received notice that as of XX/XX/2016 I will no longer be in the loan modification program due to title issues. I have an attorney and we filed a claim against the person who put the fraud liens on my homes, the person defaulted. The problem arouse due to the company " XXXX XXXX '' hired to process the proof of service did due the service correctly as a result the case was rejected and I had to start over. I had him served again bay another company " XXXX XXXX '' in XX/XX/2016 and he defaulted and I had him served with notice to file default on XX/XX/2016. So now I need to wait 45 days before I can have the court order the default and damages. I have tried to make the mortgage payments in this month XX/XX/XXXX and they will not take the payments. I need more time to clear the title as described and I need to remain in the loan modification program. The reason it has taken so long is out of my control.
Complaint 1 : Currently Navient is showing 5 student loan for XXXX University as of XX/XX/XXXX. I attended XXXX University for only 2 weeks in XX/XX/XXXX and was assured the student loan received for that 1 class was returned to the lender in totality. I sent a letter to XXXX University making them aware of this issue with no reply, I sent a letter to Navient with no reply and this was after calling their customer service and complaining. 2nd complaint, Navient 's calculations of my student loans is incorrect, I was told by a Navient representative that entering an income based repayment plan would be the same as my regular payment and thus continue to decrease amount owed. This is not what is happening as my payment is driven off my income, which equates to less than regular payment and my balance continues to increase.
XXXX XXXX decreased my credit limit on Sports Card at XXXX XXXX XXXX. I got a letter in the mail saying after a review of my account my credit limit had been decreased. I called customer service and was given every generic answer in the book. I told the agent/ then the supervisor, that I have had my account with this bank for going on 6 months and my account has never been late and I always pay 2xs, 3xs, or 4xs the amount that was due. I was told that XXXX XXXX reported something negative on my credit and they have the right to decrease my credit limit??? I pay Synchonary each month and have an established account with them that has been paid in a timely and prompt manner going on 6 months
Threaten to sue, call my job for my supervisor, threaten to garnish wages and repossess my car, called all hours of the night XX/XX/2018 XXXX XXXX   collection agency jh portfolio debt equities
For a very long time I have been in receipt of phone calls from this organization claiming I owe a debt that does not belong to me. They will not disclose any proof and since I have paid every other bill in my life exactly on time I am bewildered. They have refused to stop calling me both at home and at my workplace and claim to make there own regulations.