WillisBack/dataset-financial-user-claim huggingface dataset:
I WAS DENIED AGAIN FOR MORTGAGE ASSITANCE, I HAD A TRAIL PAYMENT AND I WAS IN HOSPITAL AND COULD NOT GET TO BANK TO TRANSFER THE FUNDS TO MY CHECKING ACCOUNT, WHEN I WAS RELEASED FROM HOSPITAL I CALLED SLS AND ASKED THEM IF I COULD MAKE PAYMENT AND WAS TOLD NO, THE PLAN HAD CANCELLED, SO IF MY PLAN CANCELLED WHY DID SLS CONTINUE TO TAKE PAYMENTS OUT OF MY ACCOUNT, IF MY TRIAL HAD CANCELLED THEN THE PREDATED ACH SHOULD HAVE CANCELLED TO, BUT BECAUSE THEY WHERE NOT CANCELLED, IT SHOULD AS 2 MORE RETURNED ACH, AND THAT IS WRONG ALSO IF MY PLAN CANCELLED WHY WOULD YOU KEEP TAKING PAYMENTS? MY XXXX   SAID HE WILL GIVE YOU ANY INFO NEEDED TO PROVE I WAS HOSPITALIZED, AND HAVE XXXX XXXX WHICH MEANS I AM XXXX YOU ARE FORECLOSING ON A USXXXX   SOLDIER, WITH NO WHERE TO GO AND I HAVE BEGGED AND BEGGED FOR HELP, CAN I PLEASE HAVE A REPAYMENT PLAN, I CAN MAKE PAYMENTS, PLEASE CAN SOMEONE ANYONE TAKE ME OUT OF FORECLOSURE AND HELP ME GET A REPAYMENT PLAN, I HAVE NO WHERE TO GO, PLEASE I NEED HELP NOT DENIAL LETTERS, PLEASE GIVE ME A REPAYMENT PLAN AND TAKE ME OUT OF FORECLOSURE PLEASE HELP ME
Applied for a consolidation from XXXX Chase using a XXXX appraised property as collateral. 

I felt from the beginning they were doing things to undermine us getting the loan because of our age or ethnicity. 

First they underestimated our income so the debt ratio was over the limit. 

When we brought this to their attention they added the payment of XXXX plus XXXX that the say we are deficient in rental income to the debt again to put us back over the debt ratio. 

The debt we would have after the loan would only be our house note and the loan note that they calculated to be XXXX. 

As you can see we have sufficient income to pay the note based on the their debt calculation whether we collect rent or not.
I pulled my Credit Report and found XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XX/XX/XXXX I wrote XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX received the certified letter on the date of XX/XX/XXXX. 
XXXX responded on the date of XX/XX/XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX, XXXX, XXXX and TransUnion. And further state that they can not delete or modify the status as it reported. 
XXXX sent another letter in response to the first letter. XXXX also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. 
XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XX/XX/XXXX I wrote another certified letter to XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 
On XX/XX/XXXX I pulled my credit report to find out if XXXX had marked my credit report as disputed. And found that XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX on that date of XX/XX/XXXX notifying XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX has failed to respond to the certified letters I have sent to them.
I had my ID stolen in 2012. I had reported this to CMRE Finance and all the credit bureaus, they still have not taken this off my credit yet. What do I do?
my husband received a check for approx. {$22000.00} from and inheritance recently in the form of an official cashiers check. I took the check to our Bank ( Bank of the West ) in XXXX, AZ and I was told that the funds would not be available for at least XXXX business days. I was told that {$200.00} would be available immediately, then in XXXX days {$4800.00} would be available and then in XXXX business days the remainder. I asked why that was since it was an official check. They said that there was nothing that they could do and it was just the way it was. I have since looked up the law and see that the funds should have been available the next day. I wanted to alert you to this situation. Thank you, XXXX XXXX.
DEPT OF ED/XXXX XXXX ( PHEAA ) is who the loans are with. My husband and I are both XXXX  and both have our loans through this company so we can use the PSLF programs to repay our loans. Multiple times we have provided the appropriate paperwork for proof of payments made toward the 120 qualifying payments and the company keeps increasing our payments even though we are on an income based repayment plan and the company is not keeping up with our payments accurately. Keeps saying we need to resubmit the paperwork. This has been going on for over a year! Please help!
I have 12 hard inquiries according to XXXX XXXX by CHASE CARD ( XXXX, DE ) spanning the last two years. I've never had an account, credit card or any affiliation with Chase whatsoever. I called their customer service line and they have zero record of my name and/or social. The hard inquiries are from the following dates. XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I need these off my credit report, please help. Thank you.
There is a balance of XXXX from XXXX XXXX ON MY EXPERIAN MY XXXX   AND MY XXXX  CREDIT REPORT WHICH WAS PUT ON MY CREDIT REPORT XX/XX/2018. THE AGREEMENT BETWEEN MYSELF AND XXXX WAS I WAS GOING TO PAY THE XXXX TO THEM ON XX/XX/2018. I CALLED XXXX ON THE PHONE AND TA ; LK TO A REPRESENTIVE AND I EXPLAIN THAT I DIDNT HAVE MY ACCOUNT NUMBER WHEN I MAIL MY CHECK OF XXXX TO THEM. I MAIL IT BY UNITED STATE POST OFFICE TO THE ADDRESS WHICH I SAW ON THERE WEBSITE WHICH WAS XXXX XXXX XXXX XXXX NEW JERSEY XXXX ON XX/XX/XXXX IN THE XXXX. ON XX/XX/XXXX I RECEIVE ALERT FROM EXPERIAN THAT I HAVE A COLLECTION ON MY ACCOUNT. SO I WENT TO VIEW MY ACCOUNT I SEE A XXXX ACCOUNT WITH A BALANCE OF XXXX PAST DUE IN COLLECTION. I CALLED XXXX THE NEXT DAY ABOUT IT AND THEY SAID THAT THEY DIDNT RECEIVE MY PAYMENT AS I EXPLAIN TO THEM I MAIL IN A CHECK TO THEM AND MY BANK HAS NOT CASH THE CHECK I ALSO EXPLAIN TO THEM THAT I HAVE NOT RECEIVE ANY EMAILS OR LETTERS FROM THEM CONCERNING THIS ACCOUNT WHICH THEY DIDNT CARE ABOUT IT. I EXPLAIN TO THEM THAT I CAN PAY THIS AGAIN SINCE I MADE PART OF PAYMENT EARLIER.
FCRA 623 ( a ) ( b ) requires debt collector ( North American Recovery ) to accurately report the DOFD ( XXXX ) separately to the CRA ( XXXX ) no later than 90 days after commencing collection efforts. XXXX XXXX XXXX provided North American Recovery with the DOFD per FCRA 623 ( a ) ( 5 ) mandate. 

FCRA 605 ( c ) was created for XXXX purpose only, to affix a date on the commencement of the delinquency which proceeded the collection, thereby specifically preventing collection agencies from illegally changing and extending the DOFD once the original creditor establishes that date. An accurate DOFD can NEVER be legally changed, especially by a Collection Agency. 
TEXAS FINANCE CODE. XXXX. ( XXXX ) Prohibits collecting or attempting to collect interest or a charge, fee or an expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. North American Recovery failed to timely produce ALL documents requested. A 30-day Notice was submitted on XXXX/XXXX/2016 by Certified Mail Receipt. 

I contacted a representative with North American Recovery and informed them that I was trying to buy a home and inquired whether they would be interested in a " Pay For Delete Settlement '' and was told no. I asked the representative to verify DOFD and was informed that their records indicate their collection began XXXX and would continue reporting to the credit bureau until XXXX. 

On XXXX/XXXX/2016 I sent a dispute letter to North American Recovery disputing their implied DOFD and requested verification and to produce documents and all instruments bearing my signature. I also contacted a Manager at XXXX reporting agency. XXXX assured me that although North American Recovery began their reporting on XXXX the DOFD was already established by the original creditor and remains at XXXX and is scheduled for removal on XXXX. 

On XXXX/XXXX/2016 I called North American Recovery and spoke with XXXX to ask if they would reconsider the " Pay For Delete Settlement '' because I was still trying to purchase a home and my account is scheduled for removal on XXXX. XXXX stated no they would not accept my offer and North American Recovery had extended the DOFD to XXXX. 

After reviewing my credit report it turns out that North American Recovery has indeed illegally extended the DOFD by two months. On XXXX/XXXX/2016 XXXX began reporting DOFD as XXXX. FCRA 623 ( a ) ( 5 ), FCRA 605 ( c ) and TEXAS FINANCE CODE. XXXX. ( XXXX ) was specifically created to protect consumers from illegal and abusive tactics, unfair and unconscionable means by Collection Agencies and Original Creditors. 

North American Recovery should be held accountable for violating FCRA and TEXAS FINANCE CODES compliance standards that governs collection activities. 

Attached is a copy of the Account History provided by North American Recovery, a copy of XXXX reports, and a Certified Mail Receipt copy of my dispute to North American Recovery. 

I will be seeking immediate deletion of this negative trade as well as a settlement in damages for their illegal practices.
XXXX  continues to list fraudulent inquiries on my Consumer XXXX report that I have already notified XXXX  were fraud. These inquiries did not start appearing until my wallet was stolen. Inside my wallet was my social security card, drivers license and even my email address. I did notify the police of this theft, and also created an FTC Identity Theft Affidavit which all consumer credit bureaus have as well as XXXX  on file. Per the FCRA if you are victim of identity theft, and you present a identity theft affidavit to the consumer reporting company explaining the theft and they refuse to do clear any of the information you notified them of fraud. Then the company is knowingly allowing fraudulent information to be placed on my Consumer report. Let me list out some of the things XXXX has refused to block. 

1. Illegal Address reported by XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX and XXXX Texas. I have never lived at this address ever, and this has been listed on my FTC Affidavit. 
2. Illegal Address reported by XXXX  - XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX. 
3. Illegal Inquiries that XXXX continues to allow and actually place on my consumer report themselves. The company continues to violate the protection laws put in place to protect victims of identity theft. Per the CFPB if you are victim of Fraud and you notify the company of this illegal activity and the company refuses to block such fraudulent information you can then proceed to arbitration. I will be pursuing an attorney to then contact XXXX. 
4. Illegal Inquiries - XXXX, Clarity Services - I have reached out to Clarity services, and actually had XXXX block Clarity Services Inquiries on My XXXX Credit report. Therefore Clarity Services has been notified that I did not allow or authorize Clarity services to access my XXXX  Report ever. This is again fraudulent. 
5. I do not have to legally have any law enforcement officer sign anything as I have already reported the crime to the law enforcement agency. FTC is a government agency which reports the theft and crime network for law enforcement officers. Additionally XXXX has allowed XXXX XXXX to inquiry and XXXX XXXX XXXX, They allowed XXXX XXXX XXXX to inquiry three times, They allowed XXXX XXXX Inquiry to go through even after stating they blocked this inquiry. They allowed XXXX XXXX XXXX, which they stated they removed, they allowed XXXX at least 15 times, They have allowed XXXX XXXX, XXXX XXXX XXXX. I did not authorize any of these inquiries these are fraudulent as a result of my wallet being stolen. I already reported this as identity theft, I have already placed a security freeze on my report. Please place a fraud alert and block this information immediately. I am forwarding this to clarity services as well for follow up.
JH Portfolio Debt Equities , LLC mailed a justice court citation for debt collection for XXXX XXXX account ending in XXXX. my wife does not have this account. they have been calling my wife and harassing.
I got a few different store cards and had them for a long time.. had some financial problems and my credit score lowered.. XXXX XXXX closed my account.. I was making my payments.. I 'm just st waiting on you to close the others. I think it 's so unfair.. The XXXX store and now you have just closed my lowes card.. lowered credit line at XXXX XXXX.. thanks
Open an business account with PNC, and after half years find out was charge XXXX dollars for service fee without any service, or authorization. I was told there will be no fee associate with the accounts, and it has XXXX account number but counted as XXXX. The fee is waived since I have a merchant account. However the merchant is never setup, the person in charge of my account setup has left despite my mulitple request to set up by emails and phone.
Bank of America ... .AGAIN In XX/XX/XXXX they told me that they did n't receive my XX/XX/XXXX mortgage payment .... even though I had Proof that they cashed my check.They had me send in my bank statements to Prove I had paid them. Then the customer service rep said she could n't see the balance in my bank account so they could n't honor the payment until there was proof. After going back and forth with them and contacting a few Federal agencies. they FOUND my payment. they applied it to another account that was n't mine. Then they write me a letter in XX/XX/XXXX telling me not to pay for XX/XX/XXXX because they SOLD my loan to another servicer then around XXXX XXXX I receive a letter of them telling me they did NOT sell my load and to pay them. My new payment was suppose to be around XXXX a month because I got a lower insurance company. So I sent a check for {$2200.00}, then I just get another letter from them telling me Im LATE for my XX/XX/XXXX payment and I own another {$180.00} and I have UNAPPLIED Funds. I need a Federal agency to do a full investigation into them and their treatment of my loan servicing.
I recently purchased a residence and was making half-payments every other week. My mortgage was transferred to LoanDepot at which point I was never informed of their practice to not accept biweekly payments. After two months ( XXXX ) I began to receive letters in the mail advising I was severely delinquent, while I received only one check returned in the amount of a biweekly payment. After speaking with a representative to make corrections, I was informed by this representative on XXXX XXXX that my account was current and up to date and " I was fine from here ''. There were also deductions from my checking account in the amount of the payments requested to correlate with this information. However ... on XX/XX/XXXX I received another letter in the mail stating I was again two months behind payments in the amount of {$3200.00}. It is clear LoanDepot misrepresents information by not properly disclosing a change to acceptable payment amounts, and utilizes confusing tactics by mailing six statements within a one month period ... each with a different amount due. 

I have a recorded message from the representative, and copies of all bills and receipts upon inquiry.
XXXX XXXX XXXX. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.
I have a XXXX through Barclay and I noticed that my my monthly interest rate is being charged against my account balance on my card. I have never had a late payment and even made advanced payments. I noticed that I was almost at my credit limit and had n't used the card. When I called about it the woman told me that my bill drops on the XXXX of the month and if I do n't pay it by the XXXX of the month, there is an interest fee charged against my balance. That amount would be charged even if I paid my bill early. I have to wait until my bill actually drops and pay it before the XXXX of the month even though it is n't due for 30 days after the bill is dropped. It looks to me like I was being charged double interest if I did n't pay by the XXXX of each month and my interest was being charged interest. It just did n't set right with me.
XX/XX/XXXX, I saw a {$380.00} charge that wasn't ours. Call USAA immediately & notified them. The card was identified as my wife 's and blocked. They told me that the money would be replaced in 1 or 2 day 's.

XX/XX/XXXX, I called USAA to inquire about the money & was told that they didn't know why the Adjustments Dept didn't put the money in but that they were still investigating it. 
XX/XX/XXXX, We received my wife 's new debit card. She discovered that it was missing. Know that I have already called in the claim I didn't think to call USAA.

XX/XX/XXXX, Still no money so I called USAA where I was told that the case was closed because the charge was completed using the chip. I explained that to USAA and they updated the case and again stated 1 or 2 days to put the money back in the account. When asked why we were not notified of the case closing, the representative did not know why.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. I was also told that the Adjustment Dept. notified my wife 's INACTIVE account of the case closure. No e-mail, phone call or text.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. But also told me that they have no way of contacting the Adjustments Dept. other than through there notes process. so she asked that they call me in 24 to 48 hours with why it's taking so lone.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. Again I was told that they have no way other than the notes to interact with the Adjustment Dept.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. Again told that they can't contact the Adjustment Dept. & still no update as to what is going on.
Home was placed under contract and closing date set for XX/XX/17. Attorney 's office started contacting Bayview on XX/XX/17 to request payoff statement. Multiple requests were made by both attorney 's office and mortgage holder via fax and phone for payoff statement. One payoff was sent but it was dated in XX/XX/XXXX, so it was unusable. As of XX/XX/17 payoff has still not been received, closing is on hold indefinitely and two families lives are on hold, all due to Bayview 's unwillingness and inability to provide a simple document.
The collection company NAr ( north American recovery ) never provided me with the documentation on the Medical bill they were collecting for. IN order to remove it from my Credit Bureau I just paid the debt in full of {$1400.00} on XX/XX/17 I was told by XXXX who processed my credit card it would take 24 hrs before they could send me a receipt it was PIF. I never received any documentation I contacted NAR XX/XX/17 spoke with Supervisor XXXX XXXX. Explained I never received a PIF notice. She said it waould be faxed that day. Again it was never received. I called & asked for XXXX XXXX, was told she was unavailable so I left a voicemail with my info & explained I never received a fax or email for the PIF doc. Again no response.
I am an entrepreneur, inventor, and investor. I invested in several companies, invented two technologies, and I'm in partnership with different companies for my business. I'm a victim of identity theft, identity forgery on financial documents since XX/XX/2017 to the best of my knowledge. There are three banks, bankers, and their employees who are on call that are involved in those corrupt practices. Some bankers and call center responders are even responsible of obstruction of justice. For, I reported those practices to the Federal Trade Commission, the Federal Communication Commission, and the local police. The FTC issued me a report recommending me to go ask the concerned banks to release all information regarding my bank accounts, and all pending payments but they refused, they said those letters from the FTC don't mean anything. 
Now, I want the CFPB to take charge of the matter and see if need be, to escalate it to a federal court in order to sue those banks, other corrupt wall street managers, their bankers and backup calls responders.
The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
XXXX XXXX and XXXX XXXX XXXX  can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous XXXX   verification that is causing so many consumers trouble
There was n't a clear category for my issue, but I live in a state ( NC ) where I know the mini-Miranda must be read, however when I was contacted this morning by Navient, it was n't read nor was I properly verified - just a " Is this ( my name )? '' and then went right into verifying my contact information. I know that not saying the Mini-Miranda is a violation of the FDCPA since they were trying to collect on a debt ( XXXX overdrawn )
I was making monthly payments on my mortgage to Ocwen. I do not believe the payments are applied correctly to my mortgage account. I do have cashier check receipts issued by XXXX to prove my payments were made. Home Retention dept shows a portion of my payments were applied to a suspense account. However, my mortgage statement does not show evidence of this. 
Meanwhile, I had a health issue which caused medical expenses. I had a XXXX. This caused me to get behind on XXXX payments. I experienced problems getting Ocwen representative and XXXX on the phone to discuss my situation. On XX/XX/2016, I went to XXXX and faxed a letter to XXXX Fax number XXXX per XXXX ( letting them know my payments had not been applied correctly. And asking for assistance to correct my account and save my home. I received a fax confirmation that the fax went through ok. To date, the XXXX has not replied.