WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my XXXX loans ( XXXX ARM and HELOC ) with Wells Fargo to another lender, the refinance transaction closed on XXXX XXXX, XXXX. To date I have not received a copy of the recorded release/satisfaction/cancellation of the mortgages. I called the XXXX XXXX XXXX of Deeds office on XXXX XXXX, XXXX, and learned that a cancellation for the HELOC was recorded on XXXX XXXX, XXXX ; however a cancellation for the primary mortgage has not yet been recorded, pursuant to NC Gen. Stat. 45-36.3. Please send me a copy of the recorded cancellations of both loans.
I make a payment on my Citi Double cash and It's doesn't give me credit for the payment. My balance is the same.
This seems to be a medical claim I had XXXX insurance companies and therefore no medical bill should be on my credit report this looks as if it was a XXXX for my son that did not go to the insurance company it 's being reported on my report as if it 's current it 's old and should have been billed to XXXX and united health care I do n't owe for this at all this is reported multiple times and re aged which is illegal
XXXX/XXXX/2017 This car was volunteer repo Because I told them to come and get it because I did n't have a job
After numerous attempts, Suntrust and its assigns, XXXX, XXXX, continue to report a charge off on a student loan that was refunded in FULL. I have obtained supporting documents from the university that express without doubt that Suntrust is erroneously reporting a charge off to the credit bureaus, XXXX, XXXX & XXXX. I am requesting that any and all reference to this account be removed. Please see attachment.
I received an email from XXXX XXXX XXXX demanding payment for a loan and threatening legal action. Also my social security number, informing my employer, and I have to contact them immediately or else! I received the email at XX/XX/XXXX ... .in addition I have never had ANY association with this company or payday loans. This is after they have already been cited for these practices and been ordered to pay millions because of this in XX/XX/XXXX! This is XX/XX/XXXX. I refuse to contact the company because I wo n't give them ANY personal information.
American Education Servicesis making it impossible for me to pay my student loan, and live. My monthly payment is almost 60 % of my monthly income and with almost {$150000.00} in student loans total, I am unable to make this payment in addition to all other bills. When trying to work with AES to lower my payment or manage pay this bill, I am met with an impossible number to just get caught up, let alone continue in good standing with these. They offer absolutely no options to help in repayment.
I already filed Fraud Report over year and half ago these bureaus XXXX and Experian I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct
Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you XXXX => - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX | Transunion => -  XXXX | XXXX => - XXXX XXXX
This is my second complaint about Capital One, Previously Ive made numerous attempts to get credited for charges by someone else who used my card with no avail from Capital One. 
I paid Capital One in full, so I am currently at XXXX balanced due. 

My computer was hacked in XXXX my credit was in jeopardy, someone intended to open accounts in my name. And I lost money because my credit card had been used. 
So one day I closed my Capital One online profile ; not knowing that Capital One was going to block me, and locked access to my available credit. 
Ive tried multiple times to restore access to my available credit but Capital One said that my account had been closed by me ; but it wasnt true since Capital One kept charging me interest. 
I became more unhappy after seen that Capital One have had charged me XXXX . Even though my balanced was XXXX, and I was denied of the privilege to access my well earned credit. 
I was a customer of Capital One for at least 10 years if not more. 
My Capital One card ends in XXXX expires XX/XX/XXXX Capital One replied to my previous complaint and furnished someone elses credit statement including name last name and home address. 
That makes me uneasy.
I have ask XXXX XXXX XXXX to remove all inaccurate late payments since XX/XX/XXXX all the way to now. They have not provided any verification shows the inaccurate late payments since XX/XX/XXXX all the way to the date of this compliant which today date is XX/XX/XXXX. This compliant came be solved by updating all inaccurate late payments to on-time positive payment history.
Sometime in the XXXX to XXXX week of XXXX, 2016, I applied for the Sam 's Club XXXX. On XXXX/XXXX/2016 I received a response from Synchrony Bank stating that they were denying my application due to the following reason : " BANKRUPTCY PROCEEDING, CREDIT COUNSELING OR CREDITOR SETTLEMENT ''. I have reviewed the latest copies of all three of my credit reports and none of them reflect any of the above whatsoever. I do not have any bankruptcies, nor have I had any credit counseling or creditor settlements. I monitor my credit reports monthly so if any such information was present I would know about it. I wrote Synchrony Bank a letter on XXXX/XXXX/2016 asking that to please either provide the " current '' credit report that shows this information or to please reconsider my application. I never got any response from Synchrony Bank. It seems very unfair to have a financial institution use inaccurate information against me in determining my financial creditworthiness. I even wonder if it is legal for them to state such reasons which are simply not accurate according to all XXXX of my credit reports.
I contacted Equifax after receiving documentation from XXXX XXXX XXXX that they have removed their listing from my credit file after their investigation. The XXXX listing has been removed from XXXX and XXXX. Equifax is the only credit bureau reporting the old XXXX listing. XXXX XXXX XXXX is the owner of the XXXX Account. I contacted Equifax and advised them of this and provided documentation and requested that the XXXX account be removed from my credit file. When XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. The date reported is not what is disputed and when the company sold the account they sold their rights to update it. I then spoke with the Fraud department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX XXXX but they have not removed XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing. This account is too old.
Hello, mortgage : XXXX # XXXXdates in dispute : XXXX XXXX and XXXX XXXX (? ) Equifax response XXXX XXXX XXXX I contacted Equifax to dispute delinquent payments on my credit report. I had sent my mortgage company a copy of my USPS postal tracking # It was mailed as a 2 day priority. Per XXXX, no late pays are showing on my account. 
In XXXX XXXX I contacted my mortgage company a second time ( after the dispute with XXXX ) and was advised XXXX XXXX payment is showing current in their system and there are no late pays going back over 5 years. 
Today XXXX XXXX, XXXX, I checked both XXXX and XXXX XXXX, both STILL show XXXX delinquent pays on the credit reports. Per Equifax, the incorrect information had been removed and my credit score adjusted accordingly. Last month, I checked ALL XXXX free credit report sources in XXXX and ALL XXXX had me at a XXXX score or higher. Today, BOTH Equifax accts ( XXXX and XXXX ) have the exact same score XXXX and both have the same XXXX LATE PAYS. This is in spite of the fact that Equifax contacted me with # XXXX which is now expired, advising all payment information had been corrected. To make matters worse, my computer crashed last month, and the document where I copied that information is on my old system. At this time I can not access the document where I copied their complete response. 
I stand by my statement below, because I do have a copy advising the errors had been removed and saw the new, updated scores last month, but did not think to screen print them. Who would imagine that it was all a hoax? 
Since my score from XXXX is XXXX and shows both accounts, it is obvious that Equifax has not corrected my information, or they corrected it in XXXX, then put the incorrect information back on my credit report in XXXX. For them to force a lower score on me is questionable and unethical. It still appears that they are using " late pays '' as a means to force people to purchase their credit products. 
I also want to add that my son 's name is on the mortgage and his score has been over XXXX for several months. How is that possible when we have XXXX accounts that are the same? His name is XXXX XXXX XXXX and he is he co-signer on the mortgage. I am a cosigner on his car. Same debts, yet different scores. Seems a bit bogus to me. I have attached the screen prints from XXXX ( XXXX ) for your review. As you will see, they have corrected and updated my score.They also show XXXX open accounts. That was disputed and corrected with CFPB Case number : XXXX. Thanks for your time. Have a great day!
Threatened to place a derogatory credit remark on my credit history in retaliation for my questioning the accounting & billing tactics employed by their client. 

J & L Teamworks of XXXX, CA has been sent many notices advising them that to pursue these disputed debts while they are disputed is a violation of federal law yet they continue to threaten to do so. 

On the phone I have been told that J & L Teamworks enjoys the fact that XXXX XXXX can not accurately bill. They then get to " clean up deadbeats like.. '' me. And they are paid more for collecting more debts unnecessarily complicated by XXXX XXXX of XXXX XXXX XXXX, CA not sending complete paperwork to patient to substantiate their billing. 

As a result, perceived over-charges now exist as XXXX was successful to work with J & L Teamworks to prevent the errors from being detected. I questioned this practice which led to the threat of derogatory credit comment & I was even banned from using our community 's only emergency room. 

Can you please stop companies from working together like this? It confuses me to the point that I can not understand for what they are collecting. And I have an XXXX in XXXX.
Consumer Financial Protection Bureau Case # XXXX This is an ongoing case in which I have submitted a letter to First Niagara Bank in response to their letter detailing that the information they provided was not in fact proof of fraud and that actual proof needs to be submitted. I have attached a copy of the letter. 
Please help to get this matter retified. This was originally submitted to the Attorney General 's Office and they submitted it to you. 
Thank you, XXXX XXXX
I am so frustrated and fed up with this company that defaulting on my mortgage would be a XXXX send so that I would n't have to deal with their lackluster customer service and lack of feedback or response to any of my valid complaints. I am delinquent and have tried to see if Nationstar would work with me on a possible loan remodification which I was unsuccessful at. I have made dozens of calls trying to get some assistance but nationstar does not have a customer service line where you can actually speak with a representative. I am disgusted and unfortunately out of options and the only thing I have left to do is file yet another complaint. I have filed NUMEROUS complaints on this company from using this agency, to the BBB, the DOJ and anyone else XXXX search tells me wlll help. All I want is customer service and assistance. I quit my part time job so I can get my XXXX out so I can catch up on my mortgage while I attempt to find new FT and PT employment. My goal is to have this mortgage caught up by next month but I want to know of my options which no one at Nationstar is willing to divulge because they have no customer service department and the person handling my account does not exist. I missed her call today and called back immediately only to get her voice mail. I left one of numerous messages for this XXXX XXXX but have been unable to reach despite my numerous attempts. Please investigate this company for its deceptive practices. I feel this business is a fraud, a cloak and a front to steal people 's homes from under them by not offering them customer service or assistance. I do n't know what else to do except to file yet another complaint. And I will continue to file complaints until Nationstar addresses my concerns regarding their deceptive business practices.
I have a mortgage loan with AmeriSave Mortgage Corporation. I received a letter from HUD notifying me that Effective XXXX 2015 the FHA mortgage insurance rates were reduced. Interest XXXX ( XXXX # XXXX ) has reviewed the FHA Mortgage for my home located at XXXX XXXX XXXX , XXXX XXXX, NM XXXX, and that I was elIgible to take part in the FHA STREAMLINE PROGRAM. This program was designed to reduce my interest rate and lower my monthly mortgage mortgage payment with NO OUT OF POCKET COSTS, NO APPRAISAL & NO INCOME QUALIFYING. I was surprised by AMERISAVE that increased my mortgage payment and kept the same rate of interest of 4.375 % that I was paying. AmeriSave also increased my escrow account monthly adddition to {$470.00} and they were applying {$450.00} to the interest and only an average of {$180.00} to the principal. It is impossible to communicate with AmeriSave since they only have answering machines and not a single person to answer complaints.
I have sent 4 dispute letters to Trans Union to update or remove inaccurate information from my credit profile, and they have not did there due diligence in this process, meaning they are getting results back in less than a week, proves to me that they are not following the FCRA guildlines and just using the XXXX system, and not letting a letting a human actually do there job. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question. I have asked for this information several times with no results, they probably are use to consumers just saying forget it but not me. they need to be held accountable for not following the laws and making there own rules. they hoped I would just go away but guess again.
The ERC company ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ) sent me a mail to collect a debt I didn't owe to XXXX XXXX XXXX company on XX/XX/2019. The amount due is {$180.00}. 
I or any of my family have never use any XXXX XXXX XXXX products. 
I sent a dispute mail to them on XX/XX/2019 and waiting for their response.
Equifax is not verifying my judgment with the courts as they claim they are doing. It 's for case number XXXX. This judgment is invalid! What more do I need to provide them? They are not verifying this with the XXXX XXXX City Circuit Court, they are using a third party agency.
On XX/XX/18 I paid off my balance in my HELOC at PNC Bank for the paid off amount of the loan {$78000.00} the bank didn't cash the check until XX/XX/18. I am being charged interest and fees and my loan still remains open with an outstanding balance!!! I spoke to numerous persons who stated the pay off was a day late and I owe {$560.00} in interest and fees
I receive many call from local numbers. I dont know any of these. I answered one and they said they were from Forward recovery movement. They said I owed a loan many years ago. I didnt. I told them to prove it so they said they would send it. I recieved a letter from XXXX XXXX XXXX stating I owed money from companies I never heard of.. This was made on XX/XX/XXXX. I think this XXXX is a fraudulent company giving an A+ rating th these people. The only one I had was paid thru XXXX XXXX XXXX. XXXX was my rep. Their number is XXXX ... I owe no one. I want the calls to end. They call my work, they call me with fraudulent phone numbers. If they were legit they would give me names and dates from the original loan. The loan was paid years ago. And the company sold my information to another. Now they want monies not owed them. They say the new owner is XXXX and XXXX XXXX. And Original creditor is XXXX # XXXX I have never heard of either.
( Please see previous XXXX submissions to CFPB Case number : XXXX ) This request was also sent to XXXX, and there response suggested that I contact you again. There response is unacceptable. I have contacted Real Time Resolution to request that they provide me with the copy of the actual recent assignment of a faulty note. They have been unable to provide me with the copy of the assignment that shows the Deed of trust was sold and assignment to an investor that XXXX transferred the rights to service to Real Time Resolutions. The original note was changed and signature page altered so that it could be recorded in CA. I only received what appears to be an unprocessed document, that may have even been ROBO signed, to satisfy the QWR that I sent in. It appears faulty for one, because the fax date at the bottom of the supposedly notarized document, is dated before the formal notarized date of what was supposed to be a copy of the original document. Real Time Resolutions states that servicing was transferred to them. I have requested 3 times, the proof of their right to collect for the owner of the faulty note. Not the assignment but the assignment to the entity that they are collecting for. l challenge the validity of the document that was sent to me, as it is supposed to show the assignment of deed of trust. ( See attached ). The deed is blank, not recorded, and the fax date if prior to the signature date ( strange ). XXXX XXXX no longer owns the debt, and says I owe {$0.00}. XXXX says I owe {$0.00}. I have asked that RTR provide me the assignment to the purchaser of the note, that they are supposed to be servicing for, or please reconvey title to me. The document that was sent to me appears to be ROBO Signed, in order to satisfy my Qualified Written Request. It is supposed to be a copy of the original deed of assignment. The fax information at the bottom of the paperwork has a date XXXX/XXXX/14. This date is before the actual notary date of the assignment ( strange ). Additionally, the notary public of Iowa was not supposed to leave any BLANK lines on the document. See attached rules of notarization of Iowa. This document does not satisfy my request and again, I am submitting a QWR that you provide me with the recorded document that transfers the debt to whomever Real Time Resolutions has the rights to service or collect for. If you can not provide this, please Re convey title to me immediately.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.
On XX/XX/XXXX, I tried to sent {$700.00} to my friend through PayPal. However, after I completed the transaction, I found out it sent out as eCheck, instead of instantly transfer. So my friend cancelled the eCheck transaction right away, which was at a pending stage. I thought I did something wrong, so I repeated this transaction four times. Everyone of them showed up as eCheck and was cancelled right away at the pending stage. I was confused about the issue and contacted customer service. He told me that since I cancelled, nothing will happen. The reason of using eCheck is cause by my bank. So I contacted my bank, they suggested me wait another day. The next day, I tried twice and showed up as eCheck as well. I found strange and checked my bank account. 
All those transactions was PLACED on my bank account. Eventually, all those six eCheck transactions that I made and cancelled, are hitting my bank account. 
They do refund my transactions, but the problem is I was charged overdraft fees SIX times due to the eCheck transactions. 
I contacted the customer service and the supervisor. The supervisor XXXX said, in order to cancel eCheck, you have to contact the bank, which was my first time hear that. She also said I should let my bank waves the fee. How my bank supposed to know my cancellation activity on PayPal? 
I strongly believe that PayPal should be responsible for all my overdraft fees due to the following reasons : 1 ) On their Help Center Page or Terms, they didnt state sender needs to contact the bank to cancel eCheck even at pending stage ; https : //www.paypal.comXXXX XXXX https : //www.paypal.comXXXX  2 ) sender will not realize they are using eCheck until the transaction actual placed ; 3 ) When the cancellation happens, there is not warning or instruction for both sender and receiver that indicates official cancellation need to process through the bank. There are two transactions even pulled out from my bank account and become my PayPal balance. 
4 ) the last but not least, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different.

Additionally, when I contacted the customer service, 2 representatives just being silent, and said nothing but there is nothing we can do or pushed my to go my bank. They made me sound like someone being irrational and ridiculous. 

In conclusion, my issue was caused by PayPals terrible customer service, lack of information, and poor instruction. If they did something on any parts above, my situation may be avoided. So I think they should apologize and cover the overdraft fees from my bank.
Violation of FDCPA by XXXX XXXX XXXX 

They called my cell phone on a recorded line XXXX/XXXX/2016 at XXXX and confirmed that they are a debt collector attempting to reach XXXX XXXX ca n't remember the last name ). Caller ID number was XXXX. I am a third-party, XXXX XXXX. 

Please contact me regarding what action can be taken against this collection agency ( and/or their licenses or officers ) for this violation or if you have any questions. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX