WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016 I logged onto my XXXX account which stated on XX/XX/2016 my Equifax report had been updated and I had XXXX changes to my report everything had been removed from my file besides XXXX address and XXXX collections account. Thinking it was maybe just an error I call Equifax on XX/XX/2016 and spoke with a young lady whom was very sweet, I told her I was calling to check on my file due to receiving some info from XXXX she attempted to verify my account, but then stated I would need to send in my dl because I basically did not have a file, I asked her why and also stated to her that I even had an open dispute, she asked could she place me on hold so she could ask with he superior, I told her sure, I was on hold about 5 minutes then she told me she have my info now. She was as helpful as she could be. I received another notification basically stating all my info had been added back to my credit file, which I 'm OK with that, but however when everything was added back it made may credit score drop, which is n't that high to begin with.
This is my third complaint to the CFPB about my Citi Prestige card. In addition to my previous complaints, my card was cut off for " fraud '' reasons today. While it is noble to combat fraud, I was given no indication that this was the reason the card was declined. Instead, I had to call to ask why my card didn't work and answer a number of prompts with a fraud robot, then I was allowed to go through their automated system which makes it incredibly difficult to get to a human, enter all my information again, then got to the agent and she didn't have any of my information, so I had to provide it again. A complete waste of time. Now, I don't even know when I can and can not use my card. The woman I spoke with made it seem like it's some mysterious " system '' that decides when your card gets cut. Not a thing a person could do she claimed, even though this " system '' was created by humans and can be fixed so it functions properly like at other banks. And I was provided no notification there were fraud concerns until I called. She claims they come - eventually. I haven't received one as of the writing of this message. So they are so concerned about their customer experiencing fraud that they cut off their credit cards but don't tell them? What if this was a person 's only form of payment? Now I have no idea when my card will work and customer service couldn't provide any guidance on this mysterious " system '' that cuts off your card when you go to pay a phone bill. As I've said in my previous complaints, this card is marketed as " premium '' but it is trash. You can't even easily access a competent customer service agent - XXXX today told me that my annual fee wouldn't be billed for a year. I had to correct him that it would be billed next month, then wait on hold while he verified I was correct. You have a unit dedicated to this premium card and they don't event know when the annual fee is due? It's a joke.
I am currently trying to get a title release on my mobile home. My mother deeded this property to me early XXXX. While trying to get a mortgage loan to consolidate, I ran across a lien being held on the doublewide I currently live in. This lien is thru the XXXX as being held by XXXX Bank of America XXXX. I have contacted the bank almost every day for the past two months. Bank of America is telling me that they have no records of title numbers, VIN numbers or of the loan number. After involving the XXXX office I was required to get authorization information. Since my mother has passed I had to wait until 60 days had past from her date of death to get heirship papers and Virginia XXXX XXXX XXXX XXXX documents. I have included those. 

To give a background and an explanation of the information I have sent I will start from when the property was first bought : My father XXXX XXXX XXXX and mother XXXX XXXX XXXX purchased this mobile home in XXXX and the first loan was at NationsBank paid in full XXXX. A certificate and Affidavit of Satisfaction was completed and recorded. ( I think this is where the title was not released and where the problems are rooting from. ) In XXXX of XXXX my parents divorced, attached in their settlement agreement XXXX ( mother ) was to receive as her sole property the double wide and the land. In XXXX XXXX my mother only went through NationsBank for her mortgage loan after the divorce. NationsBank sold out to Bank of America and took the loan over at some point. The loan was paid in full in XXXX. A Certificate of Satisfaction was completed and recorded. I also had the XXXX a record of what bank is holding the lien.
I have asked Account Resolution Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
On XXXX/XXXX/2015 I made XXXX payments of {$3700.00} to Bayview Loan Servicing. XXXX was my XXXX monthly payment, the other was to be applied to principal. When I called Bayview customer service advised me that payment would not be applied to principal but would be applied as my XXXX, 2015 payment. 
I refinanced my mortgage and changed servicers before the XXXX payment was due. The refinance closed on XXXX/XXXX/2015, the escrow company wired the full payoff amount to Bayview on XXXX/XXXX/2015. The amount wired was {$470000.00}, as per the payoff quote sent by Bayview. Bayview did not process that wire until XXXX/XXXX/2015. 
Per Bayview 's own activity statement the principal portion of the XXXX payment was applied to the loan balance on XXXX/XXXX/2015. The interest portion was not applied to the loan balance, it is being held in suspense. The payoff amount requested by Bayview excluded the interest portion of the second payment. I expect Bayview to refund me the interest portion of that extra payment, but as of today they have not. 
I waited XXXX days after paying off Bayview for the interest to be refunded. I have made numerous phone calls to Bayview. On XXXX/XXXX/2015, I faxed a written request to a manager named XXXX : fax XXXX. I called the following week, spoke to an agent who confirmed that the fax was received. The agent advised me that it could take up to XXXX days to resolve the issue, but to follow up because these issues are normally resolved much faster. On XXXX/XXXX/2015 I called again, spoke to another agent who said that there was no case being worked on at all. The agent advised me to email a copy of the fax I 'd sent on XXXX XXXX to XXXXXXXXXXXX, which I did. 
As you can see by the attached documentation, I am due the {$2000.00} that was never applied to my loan balance. Bayview has kept these funds for over XXXX days and has yet to acknowledge my repeated requests. I need the help of CFPB as I have tried in good faith to work directly with Bayview and have yet to receive a refund.
A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with Experian, XXXX and XXXX the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!
I had an account with CoinBase for about 1 month. Where I brought about XXXX dollars with of Bitcoin and LiteCoin from CoinBase. When I was exploring the app, last week, I came across a feature that said verify identity, when I clicked on it and tested it, I got locked out of the account and my account was closed. 

They soon sent me an email saying my account was closed and that I had to move my founds off CoinBase, I was able to talk to a friend and move my money out. 

I have since missed several opportunities to buy more bitcoin and litecoin and this has caused me much stress. 

I have attempted to call their phone number several times to no avail. 
I have written to them on XXXX, XXXX and on their support website to no avail, not even someone letting me know that they are fixing the issue. 

This is not acceptable, especially from a financial institution where people are dealing with money and in this case large amounts of money.
I went to sign up for a PayPal account and later discovered that I had been signed up for a line of credit. This was not my intention. I monitor my credit and later discovered the inquiry on my report. I immediately called to cancel the line of credit but the inquiry still remains on my credit report.
I have tried reaching out to EXPERIAN, XXXX and XXXX with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.
Under the new law effectiveXX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX, XXXX, and Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion and XXXX  ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion )
On XX/XX/XXXX XXXX sent me a notice that they reviewed my loan balance to " ensure accuracy '' and determined that my loan balance was to increase {$14000.00}. I had to calculate the increase to the principal myself, as it wasn't included on the notice. I called XXXX on XX/XX/XXXX to request documentation to explain the logic of the increase and prove that the amount was correct. I was told by XXXX ( Employee # XXXX ) that he could explain the increase to me but could not provide any documentation. He explained that XXXX made an error and did not correctly capitalize the interest to my loan while it was in forbearance, prior to them processing the paperwork for my an income-based repayment plan. ( I filed an complaint w/ CFPB about IBR and the time it took them to process that paperwork -- complaint # XXXX ). It's unclear to me how a servicer is allowed to add to the principal of a loan without providing documentation. 

I've attached a copy of the XX/XX/XXXX notice from XXXX as well as a copy of my XX/XX/XXXX IBR approval, which lists the amount of both my federal loans.
Complaint : Mortgage Servicers I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the Creditor. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment
Experian credit report and XXXX is displaying inaccurate credit score. My credit score should display 700, also my report is showing negative delinquent account after disputing with Experian over 15 times
On XX/XX/XXXX, I received a letter from Central Credit Services, LLC stating that I owe XXXX XXXX  {$120.00}. I called XXXX XXXX and was told that I had forgotten to return a power cord for the XXXX XXXX XXXX. I was told by the representative to return the equipment and they would credit the account. I returned the power cord through XXXX on XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX ( employee ID # XXXX ) at XXXX XXXX. After an hour and a half on the phone with him trying to figure out where the ball was dropped, XXXX spoke to his managers and found the returned equipment via the XXXX tracking number that I was given. XXXX spoke with the financial representatives at XXXX XXXX who said they would contact XXXX XXXX XXXX, XXXX " at their convenience '' to let them know the debt was settled. I sent a dispute letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX via certified mail and received a receipt that it was delivered and signed for on XX/XX/XXXX. I received phone calls/messages on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX, XXXX about this debt after I had sent the dispute letter. I called and left a message for XXXX XXXX XXXX, XXXX on XX/XX/XXXX that they were not allowed to contact me about this debt, and they need to contact XXXX XXXX. I received correspondence from XXXX XXXX XXXX, XXXX with a statement date of XX/XX/XXXX stating I still owe the {$120.00} even though the last few pages XXXX XXXX XXXX, XXXX sent me from XXXX XXXX clearly state that my balance is {$0.00} as of XX/XX/XXXX.  The balance was a " non payment partial write off '' on the bill for returned equipment. Now I 'm not sure if XXXX XXXX has even contacted XXXX XXXX XXXX, XXXX about the resolution of this debt. They can be quite a difficult company to work with. Also in the paperwork from XXXX XXXX XXXX, XXXX on XX/XX/XXXX was a bill dated XX/XX/XXXX from XXXX XXXX for {$120.00} with a due date of XX/XX/XXXX. The initial correspondence from XXXX XXXX XXXX, XXXX was dated XX/XX/XXXX which was before the XX/XX/XXXX due date. I had called XXXX XXXX in XX/XX/XXXX and given them our new home address. All of the bills were being sent to our old address even after I notified the company of the address change. This complaint is first with XXXX XXXX and second with XXXX XXXX XXXX, XXXX.
I called XXXX and told them it 's a lot of unauthorized inquiries on my credit and that I called some of them on my credit and the number disconnect and some of them do n't have i number the representative told me it 's nothing that they can do and I told them that the company on my credit report multiple time and the representative hang up the phone so I called back and told them the same thing and XXXX have my name wrong on my credit report and my address and I been calling them like 5 times a day to get this right
nothing they said they only report to th e one re porting place, I need   XXXX   XXXX   to show on all my accounts, it does on  one bu t not all the others, please
on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware statutory trust filed a civil court summons and complaint against me. The amount is for {$24000.00} I went to court XX/XX/XXXX and their outsourced attorney did not have any documentation that i owed XXXX nor that they bought the debt from any other lender. He only had the application or loan agreement for a different lender, XXXX XXXX i believe, for {$15000.00} or less. The attorney suggested I call XXXX and try to negotiate directly with them and another court date was set for XX/XX/XXXX. XXXX has not responded to any if my attempts to reach them. I understand they have a history of bringing lawsuits illegally against consumers, please advise what i can do to see if I am one of those situations. Thank you
I have been sent multiple letters stating that I have an alleged debt from the Resurgent Capital services company. I have mailed a response to each letter stating that the debt is not mine nor have I ever had an account with the supposed company that Resurgent capital services is trying to collect for. I have never received any form of proof that the debt is mine nor have they provided the original documents proving that the debt is mine. I have mail more than 6 responses back to letters from them in the last several months and I want the company to leave me alone. I have told them to leave me cease and desist but the company keeps re sending letters stating that if I don't respond within 30 days they will have the right to reopen the debt collection. I wish for this company to stop all further communications with me and stop trying to collect on a debt that isn't mine.
This debt was taken over by United revenue corp in 2012. They did NOT VALIDATE the debt and I do not owe them or original crediter. I sent letters for them to validate the debt with my signature and they failed to do so, so want to complain against their company.

I want this deleted from my records as they have been harrasing and have not validated the debt.

United revenue corp XX/XX/2012 {$570.00} DID NOT VALIDATE DEBT AND HARASSING ME
I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a XXXX about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus in the past and have received no assistance. 
When this person used my information to obtain a vehicle loan, I received a letter from XXXX stating that I had been approved for $ XXXX and that if I did not authorize this, to write them and let them know. I sent a letter certified as well as faxed it, stating that it was NOT me who applied and to NOT send a check. I then received another letter stating that the check had been sent for $ XXXX to the dealership. I did not authorize this, I did not apply for this, I did not obtain this, I do not have the vehicle and i need for this to be blocked and removed from my credit report immediately. This is NOT my account! 
As for the XXXX account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.
Jefferson Capital Systems repeatedly sent letters to collect a debt so often that a member of my household, not myself, felt that it would " help '' me get them to stop attempting to contact me if she made a payment on the debt. This debt is over 7 years old and had already fallen off of my credit report, yet Jefferson Capital Systems still repeatedly sent me letters. Now that someone, who is not me, tried to do something kind to help me the debt has been reopened and sent on to a different collections agency. I knew this debt was old and that it was no longer reflected on my credit report. I did not make the payment and I would n't have allowed the payment to be made had I been aware. Jefferson Capital Systems had no right to continue to send me harassing letters until someone who did ; t know better finally caved and made a payment.
Select portfolio serving is saying I 'm late default of morgage even though I 'm not holding funds in suspense never applied it like they should and not reflect in principle balance correctly!
We have a mortgage for our property located on XXXX XXXX XXXX in XXXX XXXX CA. with M & T Bank. I send mortgage payments from XXXX XXXX XXXX online payments regularly. The M & T Bank is asking for late chargers, even though XXXX XXXX XXXX processed ( delivered ) payment on XXXX XXXX, 2016. 
Please see attached report from XXXX XXXX XXXX.
I have sent notices by Consumer Federal Protection Bureau complaints with out any closure on two accounts that Portfolio Recovery Services refuse to provide documentation for. Portfolio Recovery Services has been ignoring my request for proper debt validation.

I initially filed a complaint XX/XX/2018 ( CFPB # XXXX ) requesting debt validation and accounting of the accounts. They did not provide either within the 30 day window. They ignored me and sent a generic letter. I also disputed this with the 3 credit Bureaus and Portfolio continues to not provide proof They are using illegal practices and policies of using mailing addresses and names on validation letters. I filled a compliant XX/XX/2018 ( CFPB # XXXX ) requesting validating and full accounting and on my accounts.

They responded with a letter addressed to someone who is not me. I do not know who XXXX XXXX is. This is another example of them showing they do not have documentation for this debt.

I also mailed a letter of dispute to them directly in XX/XX/2018 through the Postal Mail.