WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX we obtained a mortgage from XXXX XXXX XXXX XXXX in XXXX, North Carolina. This mortgage was then sold to a company call XXXX without any notice to us. One day I walked into what I thought was XXXX XXXX XXXX XXXX to pay on the account and was saw some letterhead that said XXXX I asked the receptionist if the name of the business had changed. She replied that the business had been sold. In XXXX of XXXX I again went into XXXX to pay on the loan I was told that the loan was had been sold to another company and that I could no longer make payments at that office. I asked where I should send the payment and I was told that we would receive a letter with all the payment information. I did not receive any information in XXXX so I went back to XXXX in XXXX XXXX and informed them that I had not received any information regarding where I should send the payments. I was given a slip of paper with the name Nationstar with a telephone number and account number. I called the number and only got voice mail. Left a message and they never returned my call after about a week I went on the internet and when I researched Nationstar and the information can back to XXXX XXXX. I again went back to XXXX and again I was told that they could not accept the payment because the loan had been sold.. This back and forth continued and we never received any payment information. On XXXX XXXX, XXXX we received a letter from the law firm of XXXX XXXX indicting that Nationstar had retained their firm to initiate foreclosure proceedings because the loan was in default. We immediately contacted the law firm and was directed back to Nationstar. We immediately contacted Nationstar and tried to clear up the matter. I had been keeping the payments and was prepared to make them but Nationstar had added fees and demanded that we make thepayments as well as the additional fee and charges they had added because the payments had not been made. We explained that we did not know where to send the payments because we had never been contacted by Nationstar and given the information we needed to make the payments. We also believed that the interest rate had been changed. We requested the payment records and the promissory note and a payoff statement because we located a buyer who wanted to bring the loan current and maintain the loan for several months to obtain financing. Nationstar refused to provide the requested information and thus prevented us from being able to sell the property. When we called Nationstar we had to leave our name and the loan number if any other information was left the phone call would not be returned. They would then call back in three or four days and leave a message that they had called, an the process would begin all over again. This went on for months. In XXXX of XXXX a foreclosure action was filed and a hearing was set for XXXX XXXX, XXXX. We have requested documentation of payment history and promissory note and nothing has been provided. We need this information in order to defend this action.
Without warning USAA restricted my account access despite still being paid. They then proceeded to cancel the majority of my accounts without notice or reason and have refused to provide documentation. Despite all this my accounts which are still open, auto loan, checking, auto/homeowners insurance and ID theft and credit monitoring service which are all current and paid for have been restricted and I am unable to pay, view, file, or do anything with these accounts.
To XXXX, XXXX Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main  Credit Bureau 's such as XXXX, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs XXXX, XXXX Consent Order but make no mention of XXXX redress plan, final resolution, or restitutions as required per CFPB. 
In summary, XXXX requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs XXXX, XXXX Consent Order.
Was told I must purchase a XXXX pack to open a safe account on line to put my money in before I could access my money my prepaid XXXX card. After loading my money onto my safe account, XXXX, I went through circle after circle of technical difficulties and I couldnt access my money. After a month of trying to reconcile this problem, I finally requested a refund of my money, they said it would take XXXX business days to receive it. After XXXX days came and gone still no money, called cooperate office spoke with XXXX at Blackhawk Network, she said some how refund was canceled she apologized and had no clue who did it, then assured me I would have my refund in XXXX business days. XXXX business days came and went, still nothing called XXXX back again some one had some how canceled my refund yet again, they apologized but will try and start refund process again which still will take another XXXX business days, Im not holding my breath!!!
On XXXX XXXX, 2016, I spoke with a representative from Wells Fargo Dealer Services about questionable late charges ( totaling {$400.00} ) on my auto loan account. After discussing the situation with Wells Fargo Dealer Services, {$200.00} in late fees were waived from my account, bring my remaining balance to {$200.00}. A payment in the amount of {$200.00} was then authorized to settle the account. 

Due to an error in judgment ( wrong checking account ) the funds were initially deducted from my checking account, but were returned due to insufficient funds. Once I was made aware of this error, I realized the payment was setup to be withdrawn from the wrong checking account, this was then immediately rectified and on XXXX XXXX, 2016 another payment of {$200.00} was authorized and approved. 

Unbeknownst to me, an unknown charge of {$38.00} was then applied to my loan account. Which left a remaining balance on my account and prevented its closure. 

On XXXX XXXX, 2016, Wells Fargo then debited my checking account for an additional {$200.00} without my authorization. 

After speaking with Wells Fargo they advised that they will be unable to provide me with any additional information. After speaking with my parent bank ( XXXX ), who 's checking account is linked to my Wells Fargo Dealer Services auto loan account, advised that Wells Fargo Dealer Services debited my checking avvount twice in the amount of {$200.00}. 

Due to Wells Fargo Dealer Services unfair and indiscriminate practice of overdrawing from my account, I am left with being responsible for overdraft fees due to their incompetence.
Experian, XXXX and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
I have initiated three investigations into a dispute that I have with CoreLogic Credco regarding inaccurate information on my credit report with this company. The investigation results were completed : XX/XX/2018, XX/XX/2018 and XX/XX/2018. The person who has several mortgages, property transactions, addresses, property sales and loans listed on my record lives in XXXX Colorado and has a different middle name than mine. I have submitted evidence of my identity and have never lived in Colorado nor even visited the state. I also have never obtained a mortgage. Each investigation verifies that these mortgages are mine plus the addresses. I am seeking help in solving this matter. Thank you.
On  XXXX   XXXX    XXXX   I received a call from a number that my wireless company had flagged as a likely scam which concerned me. I answered the call anyway and the representative told me they were from  Comenity LLC bank and w as financier of my  XXXX  credit card. She told me my account was 2 months past due even though I remember signing up for automatic minimum payments from their website. I made a minimum payment and wanted again attempt to sign up for auto magic payments. Another representative instructed me it can take several days before I am allowed to set up automatic payments. It is my feeling that this company puts this process in to place in an attempt to not allow customers to register for automatic payments. Every account I have with other banks is set up this way and I have always been able to do this either over the phone or most often online with no issue.     As a result of this companies processes or limited abilities they have left a negative mark on my  credit score an d have charged me late fees that I would have otherwise not been charged.     They lure people to apply by offering rebates and discounts, but slcharge an enormous interest rate. This along with the previously mentioned concern is unfair and creates a cost to consumers that expands beyond the services they provide.
filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
In 2004 the for-profit college XXXX XXXX XXXX XXXX and XXXX scammed me. I intentionally misled first by the recruitment department and then by the financial aid department. When given the sales pitch of what the institution offers, the recruiter failed to mention that the institution lacked regional accreditation, which I later found out meant my credits were non-transferrable. To add insult to injury, the financial aid department led me to believe that any unspent loan dollars would carry over to the next semester, which in essence would mean that the maximum loan amounts would not be taken out each semester. It was n't until I completed the program, that I later found out the maximum loan amounts had been taken each semester ... even the semesters I had not spent the entire loan amount and once the recruiter resigned from his position, he later called everyone he recruited to inform them of the lack of accreditation. What confused me most was during the exit interview when I was informed that my loan amounts exceeded the program cost. When I asked how that was possible even with me receiving XXXX grants? I was told to be grateful for what I owed because some students have left the exit interviews in tears once they were told what they owed and the exit interviewer also explained that they were told by other students that financial aid had provided them with misleading information as well, but still I was not given an answer as to how this matter would be resolved. Now here I am years later required to re-pay student loans on a degree I could not utilize, forced to start my academic studies completely over as a new student because employers deemed my degree worthless and the credits are n't recognized by the regionally accredited institutions. Any assistance with resolving this matter would be greatly appreciated.
Company did not inform me in a timely manner, approximately 1 month after discovery, that my personal information within their databases had been comprised. Thus giving me less time to take measures to protect myself from identity theft. My credit report data should have been stored and encrypted properly so no one outside of Equifax 's organization could read the data and this was not done. Now because of this breach my information can be used now or even many years into the future to facilitate identity theft.
Hi I took a car loan for a XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX XXXX, now ( XXXX XXXX ), back in XX/XX/XXXX. The vehicle was financed by TD Auto Finance Company. The duration of the loan was for five years, up until XX/XX/XXXX. 

I 've paid the entire loan amount including principle and interest to the sum of {$19000.00}, back in XX/XX/XXXX ; expecting the finance company to mail me my original title. They sent me a lien release letter stating that the vehicle was paid off. I waited over ninety day 's for the title but it never came. 

I contacted the finance company : they directed me to Virginia department of motor vehicle ; DMV told me they never received any title for the vehicle and should contact the dealership ; dealership referred me to TD Auto Finance. I 've been tossed around like a football the past six months, and efforts to get my title from the finance company has been futile.
My credit report has the same loan being reported XXXX times. I have a total of XXXX loans being reported XXXX times. So instead of the XXXX loans that I have actually taken out, my credit report is showing XXXX. Each company that has managed my loans has reported them, so XXXX companies. XXXX loans. XXXX accounts showing on my credit report. The most recent loan carrier reporting does not even have an open date for my loans. Then I have one other loan that I paid XXXX years ago and it 's even on my credit report XXXX times even though it was already paid off. So, this other loan, XXXX loan, but showing it as XXXX accounts - and it 's been paid for XXXX years. That 's XXXX extra accounts showing on my credit report that should n't be there. And it 's on XXXX reports that I got XXXX XXXX Equifax XXXX, so I 'm sure it 's just as bad or worse with other reporting agencies.
under XXXX has charged me {$88.00} for nothing provided to me.Theybill it as a rewards benefit -- various fees etc.First bill was for XXXX the next for XXXX which incuded {$16.00} for a r4eturned item. I requestted them to cancel my card -- instead they are piling late fees and have ruined my credit
XXXX    XXXX  ,  XXXX  formally  XXXX   XXXX  reported incorrect information to all three credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?
ORIGINAL COMPLIANT Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Action taken : SUBMITTED TO FTC SENTINEL NETWORK Product : Debt collection Issue : Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va. XXXX through their attorney, XXXX XXXX XXXX XXXX XXXX file suit against me on XX/XX/XXXX in State Court of XXXX County, Georgia Civil Case # XXXX. 
1. This action was time-barred since it was taken on a debt/default which occurred XXXX XXXX- ( 9 years after the fact ) 2. I was never notified of r XXXX XXXX XXXX 's request for a judgement/or the judgement dated XXXX XXXX. 
3. I was never notified that XXXX XXXX XXXX XXXX as a result of the judgement obtained a lien on my home dated XX/XX/XXXX. 
4. I only discovered the Judgement & Lien as a result of a routine home mortgage refinance- which is now in limbo.

5. Portfolio Recovery Associates, attorney XXXX XXXX XXXX XXXX XXXX has failed to respond to 2 request to resolve this matter.

6. A request was made today directly to Portfolio Recovery Associates to have the suit /lien vacated immediately.

7. I advised after the suit/lien has been vacated I am more than willing to work with Portfolio Recovery Associates toward a mutually satisfactory resolution of this matter.

8. I notified Portfolio Recovery Associates that their actions are a violation of their XX/XX/XXXX signed Consent Agreement, which specifically prohibited them from suing past the statue of limitations.
XXXX XXXX XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.
We refinanced our home mortgage about three years ago ; because we were cash-poor at the time, we acquired an FHA mortgage that was later sold to Wells-Fargo. At the time, a MIP payment of about {$200.00} a month was attached. I got that -- we did not have the money needed so we were considered high-risk. Three years later, our balance is around {$190000.00} but our home value is over {$300000.00}. Am I on the hook for MIP still, or is there some process I can follow to have the MIP lifted from the loan so that I could use that portion for a home equity loan payment? 
I just want to make better use of my money.
My client received a good by letter from a Trinity Financial Service. His loan is originally with XXXX. When we contacted XXXX they confirmed the loan had not been sold the loan and the letter received seems to be a scam. Please see attached the good by letter from Trinity financial Service.
Previous Case Number with CFPB : Case number : XXXX ( EQUIFAX HAS NOW FROZEN MY CREDIT REPORT AND HAVE FAILED TO ACT ON INFORMATION I PROVIDED ; I WAS INSTRUCTED TO PROVIDE ADDITIONAL INFORMATION ON MY IDENTITY AND I DID. PLEASE SEE ATTACHED DOCUMENTS ) On XX/XX/XXXX, and XX/XX/XXXX, I disputed an account reported by XXXX County Superior Court ; Case # XXXX ; Amount : {$1800.00} in the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX that the item was deleted from my credit report with Equifax. 
Now I discovered that the item has been reinstated on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five ( 5 ) business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau This item has been removed from my credit report with XXXX, XXXX  and XXXX XXXX.
I told two callers, who call me at work ( they found my work number after I filed my income tax return in 2015 ), not to call me at work. I sent a letter to their Office of the Customer Advocate, but they still keep calling me at work but now it is with automated messages.
I am unable to obtain my free Equifax credit report or score at all online. Equifax will not provide the report and I have no score data from them either. When I request my free credit report at XXXX, a message says that Equifax is unable to provide it and that I must send in documentation to prove my right to see my report. They want multiple hardcopies of personal identity documents in order to release my credit report.
We have been trying to do a short sell on our home since 2014. We have actually had XXXX offers on the place, but Wells Fargo continues to deny the offers. They have transferred us to different preservation specialist and short sale primary points of contacts several times to no avail. We 've even had our relators call and they 've been given false information. They say one thing and do another. They do n't return phone calls or send out proper documents when stating they would mail things out. I 've asked to speak with a manager several times and the mangers have promised to do an investigation, and still nothing is done. Managers do n't even return phone calls. I am completely fed up with the type of customer service we have received and will never do business or recommend anyone I know to do business with Wells Frgo.