WillisBack/dataset-financial-user-claim huggingface dataset:
See your law suit against Greentree I have fell victim of this aweful company. they '' dual track " while i was going through a loan modication. greentree added thousands of dollars to my account knowing i could n't pay it thats why I requested loan modification application. I went from {$740.00} behind to {$8000.00} now i have to come up with {$9400.00} in order to get my home back, They stole my home. kick me and my grandson out on the streets last month. I have had this mortgage since ,XX/XX/1993. This is wrong and immoral. They lied to the judge to get this foreclosure through I have documents to prove it..I mail copies to your office last week please review. I have the right to defend my property against this evil company. My next step will be The media \ civil right activist to expose this company again .... Evicting a little boy that was born a preemie and now experiencing separation anxiety from losing his home ..
Had a previous loan with onemain financial with co-signer and lien on vehicle at the few flaws on credit.My loan was paid off with good standing and earlier XX/XX/XXXX.How ever the office made several calls to borrow again, and loan offer invite letters.On XX/XX/XXXX i applied for smaller loan XXXX dollars I was told that not enough credit, or co-signer, or a vehicle.My credit has improved I feel because I receive XXXX and work part-time there using that against me and to mention a hard inquiry on credit lowering my score.I also believe there using people like me crifeteria to gain co-sign customers to enhance there business.
I got a personal loan to get my credit established and to get my car fixed from a certain loan company. I stayed caught up on my payments for as long as I had it, maybe 1 yr or little over and my payments came straight out of my bank on time. Then I get a letter about 2 months later stating that my payments was late and they could n't no longer get the payments from me because they sold my car title to another loan company and I had to sign papers so they can withdraw payments from my bank account again and then I ended up having to pay 2-3 months to catch up. I was n't notified and I did n't sign anything. Why? Because they did n't inform me until I was 2-3 months late. I could n't pay that much at one time because I 'm on a fixed income. Also the loan company they sold my title to another loan company that NEVER let me barrow anything from them when I asked in past. I am concerned, upset and overwhelmed from this. It is ruining my credit as I am trying to gain it back. I feel it is wrong that they DID NOT let me know nor did I sign papers for them to do so. I need some help in resolving the matter. Could someone at CFPB help me get through this?
I logged in to my online banking with TIAA Bank today and noticed that my XXXX XXXX checking account was closed. The account had been open for about a month. No reason was given by the bank as to why the account was closed by the bank. I asked the bank why the account was closed and received no response, so I am still unsure of the reason.
I had a preoperative XXXX done in XXXX 2014 at XXXX XXXX XXXX in XXXX XXXX, CA. About a year later I received a bill for {$110.00}. I called my Medicare provider and subsequently I thought the matter had been settled.Now I am receiving letters and calls from a company called CMRE Financial Services for a company called XXXX XXXX XXXX XXXX. I have not been able to find the latter company anywhere. To begin with the bill for a XXXX was too high, it should have been approximately {$50.00}. I have contacted my Medicare provider many times and each time they have stated that the matter has been resolved. I feel that this company is trying to extort money from me that they know I do not owe. they are also charging interest on the bill which I do n't think they are allowed to do. I refuse to pay since I had Medicare at the time and the provider stated that the matter has been settled. My Medicare provider at the time was XXXX XXXX XXXX XXXX XXXX XXXX California. Please help me to settle this matter.
Hi, I deposited a check for {$62.00} in XX/XX/2016 in Chase Bank. The bank claims that they never received it and reversed the amount from my account. Meanwhile, I have a copy of the endorsed check from XXXX ( which issued the check to me ). I have tried resolving this with Chase to no avail.
As a result of the XXXX breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like mafia businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the XXXX  agent ( phone call today, XX/XX/17 ), if I sign up for XXXX XXXX, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX boys ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in Calif. ) and their internal policies : XXXX says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

Experian says that my boys have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

XXXX says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is XXXX even in business? They had one job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.
Equifax credit report result on XXXX XXXX2018 I am requesting a method of verification for XXXX XXXX XXXX so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate this dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXXXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible.
I began a refinance process in early XXXX. My goal was tocombine my first and second loans with a good interest rate. 
I had been receiving adds from Nationstar Mortgageregarding their no appraisal fee or closing cost packages, and since I had a relationship with them, I called them first. 

I was offered a good interest rate but with a 30 year loan. Idecided to proceed. It was an endless process. I was askedto resubmit a loan rate lock weekly, then seemingly moreso ; eeach time with different numbers. My fianc is a financeperson by profession and would point out issues with thenumbers to me and I went round and round with Nationstaruntil we finally came to an agreement and set up a closingdate for XXXX XXXX. I was to bring funds to closing topay for an XXXX XXXX card. 

Late XXXX XXXX I got a call that the underwriters wanted anew homeowners ' policy as the one that I allowed them toplace for me would not suffice for the refinance package. 
Really, three month 's later they discovered this? Admittedly, I did not know not did Nationstar advise me that this cheaperpolicy that they offered was not really a great idea in the long rrun for me. Frustrated, I set up a loan policy but needed toset up my other homes with this company as well, so it wasquite a process! 

When I contacted Nationstar regarding the new policy I wasadvised that I had to start the process again but reassuredthat I would get the same terms. Again I was asked to redothe rate lock over and over and each time with bad numbers. 
The loan was supposed to cover the payoffs of the XXXX loans ( roughly {$86000.00} ) plus closing costs, with credit for escrowfunds paid ; leaving a loan total of {$88000.00}. Nationstar keptcoming up with a {$90000.00} loan plus money to bring to closing. 

By the end of XXXX I began to demand a closing date. Ithen received an email from an underwrited, XXXX that sheneeded Shedule E of my tax returns ( which she had ). Myloan processor apologized for her, then began to whineabout my XXXX hour workweek and how it meant that I needed tto bring more money to the table or wrap it into the loan tocover other minor bills ; most of which I had paid or about topay off. In addition I had submitted my XXXX balance ( decent ) to help with my debt to income ratio to helpqualify for the loan package that I wanted. 

Then to top it off he threatened to want to dealve into myfianc 's finances which would have not been an issue in thebeginning of this process but ridiculous at this point. Whynow??? 

I am totally frustrated by the incompetence and lack ofprofessionalism on behalf of Nationstar. I feel that onlyone agent ( XXXX ) knew what he was doing and that hebecame embarrassed by the botched process inearly XXXX and has been in the background since. 
I feel that Nationstar has been a disservice to me and Iam trying to get away from this company as fast as I can!
I have opted out permanently for prescreened credit card offers, but I still get them from Century Bank. I have also called them directly but the offers still come.
On XXXX XXXX I sent a letter of Verification to LJRoss about a bill reporting on my credit report from them. I asked them to send all necessary documents with information Validating the debt owed to them. They in turn sent a copy of a itemized bill which is not validating a debt owed to them or a signed contract stating that I agreed to pay any amount owed to them.
This happened in 2015 when I helped a friend sign a car lease and I wasnt aware that I was signing the ownership and I ended up in a {$15000.00} debt for a car that wasnt ever mine. I want to make things right because this is affecting me personally when I try to use my credit. The car was repossessed without me knowing because I was never the owner.
I need some help, several times I have disputed with Equifax to remove some inaccurate information and update my current accounts, payments not being updated like XXXX and XXXX  and spot on, balances not being updated by Equifax. Equifax not only doesn't update they do not respond. Please help
I am disputing XXXX XXXX explanation of the benefits of a Reverse Mortgage. She states that the loan served to pay off previous mortgages. The XXXX document XXXX is designed to be completed by the applicant with the LENDER 'S assistance. According to the document, the Mortgage Applied for was an FHA Traditional HECM. The FHA case XXXX. XXXX XXXX states the loan payment plan as a " LINE OF CREDIT. '' The lender case XXXX. XXXX indicates that the purpose of the loan was for " ADDITIONAL INCOME. '' XXXX XXXX should be made aware that bringing {$35000.00} asserts the opposite of any associated benefits of my reverse mortgage. If my intent was ADDITIONAL INCOME, then why would I be expected to bring XXXX to the closing? Unless, the predatory lender told me that the money was to go into escrow to be used as a line of credit to be disbursed as needed for property taxes. I 'm being foreclosed on due to non-payment of property taxes. Where 's the {$35000.00} line of credit that was supposed to ensure that I would n't lose my home. Obviously, it 's the reverse of the truth. Obviously it follows the same ongoing pattern of deception, coercion, and bullying an elderly woman into a mortgage that she did n't need and could n't afford. Wells Fargo made sure of my lack of ability to pay my taxes and insurance by illegally running a credit check and of course picking the bones dry by charging {$14.00} to conduct that credit check..
There are over 60 HARD inquiries that were made over the past year without my consent or knowledge. I contacted Equifax to ask why there were so many inquiries on my credit file many of which are from the same company multiple times in a single month or a couple of months. It is quite obvious that there is fraudulent activity happening with my credit file but Equifax refused to take any action after I asked to have all of those Inquiries removed and place a FREEZE on my credit file. Neither of which has happened as recent as last week, XX/XX/2017, I received a letter in the mail from XXXX  XXXX XXXX stating that I was denied for some sort of XXXX  credit card that I never applied for. I believe that I must have been one of the millions of victims affected by the Equifax Data Breach and my information has been compromised, which is why I asked to have the unauthorized inquiries removed and the freeze placed on my account. I did not say fraud alert, I requested a credit freeze!
I have asked XXXX for an invoice several times now and the company says they can not provide one to me. The debit is from 2013 I do not remember having an account with XXXX during that time. I know during that time someone stole my identity and I did place and social security alert and froze my accounts and changed bank accounts. Perhaps this was the left over result of that, I do not know if I do owe then I need to know why I owe {$280.00}, if I for some reason I do owe.
On XX/XX/2018, I was contacted via phone from a representative claiming he was from the Law Offices of Robert A. Schueger Co., LPA, stating he was representing the Ohio Attorney General and they were hired by XXXX XXXX University regarding a Student Loan Debt. He went to state they were preparing a lawsuit against me and were going to do a search for assets. 

I explained that XXXX XXXX had already been receiving money and I had several Debt Collection Agencies contacting me trying to collect on the same debt. I also explained there were no longer any assets to seize and I asked for a Letter of Representation for my records. 

A week or so later, I received a letter from the Law Offices of Robert A. Schuerger Co. , LPA stating they were appointed by the Ohio Attorney General that demanded an amount of {$4500.00} on behalf of XXXX XXXX University. A few days later I also received another letter from yet another Debt Collection Agency demanding {$12.00}, XXXX also on behalf of XXXX XXXX and the fraudulent US. Department of Education. A separate complaint against them will also be filed. 

On XX/XX/2018, I called the Law Offices of Robert A. Schueger and spoke with a secretary named, XXXX. I explained the reason for my call was to ask for proof of the debt since I had also had money taken from other agencies on behalf of XXXX XXXX and I was continuously getting letters and threats from several agencies. 

XXXX became defensive and started arguing that I could look up their law office on XXXX so I stopped her by stating it was my right by law for them to send proof of the debt and that was all that was required from her. XXXX responded by threatening litigation and then disconnecting the phone call. Reactions and threat tactics such as those are usually indicative of fraudulent and abusive debt collection practices. 

I called back and spoke with a Mr. XXXX, who politely asked if I would like to speak with a Supervisor after advising me they had several people there named XXXX. I agreed and was then transferred to a voice mail for a XXXX or XXXX XXXX. I did leave my name, contact information and reason for the call, in addition to feedback for XXXX 's unprofessional and threatening communications.
On XXXX XXXX 2016, my student loan vendor changed from XXXX to ESCI Heartland. 

While the account transfer was taking place, I was under the impression that no fees or penalties would be assessed. I was able to enrolll in autopay starting in XXXX 2016. 

However, to pay my monthly payment of {$120.00} I was assessed an XXXX cent fee. Seeing as I do not have a choice but to make a one time payment for XXXX, the fee seems trivial and a way to ris
I disputed with Equifax XX/XX/XXXX, XXXX XXXX account is not accurate and is not a debt I owe. They investigated and acct deleted XX/XX/XXXX, now, the account for XXXX has been reinserted again. Equifax is not following FCRA procedures and has gone against the law. I have called Equifax this morning on XX/XX/XXXX, and filied a complaint over the phone. I want Equifax to permanently delete the XXXX account off of my credit report.
XXXX XXXX - I find on my credit report derogatory information from Discover Card that does not belong to me. I dispute this information through the Credit Bureaus, XXXX concedes it should not be reported, and the tradeline is removed from my credit report. 

XXXX XXXX - CFPB XXXX XXXX. XXXX & XXXX - I received a creditor 's garnishment in a paycheck and a letter advising of such. This is from XXXX XXXX XXXX XXXX, by way of a debt from Discover Card. After attempting to remedy this over the phone with XXXX, and advise of the history with XXXX XXXX above XXXX, and getting nowhere ( as I was simply told my information would be passed along ), I file a complaint through the CFPB, disputing the debt further. 

XXXX defers to XXXX who in turn pass along a judgment for a debt owed, as well as Collections Notices and statements showing past due amounts owed. All of these were mailed to an address that I did not reside at during anytime in my adult life. 

As a result of the documents XXXX forwarded, I requested a copy of any originating paperwork, as I 'm now concerned ( confident? ) that this account was opened in my name without my authorization. ( Of course, I had no recourse to dispute it outside of the XXXX XXXX credit bureau dispute - though since it was corrected rather immediately, I was under the impression it was a straightforward error at that time. ) The only information XXXX XXXX XXXX have provide with regard to the origination of this debt, was a statement saying, essentially, " Well we have your information on file. So clearly you opened this account. " ; given the environment in the financial industry, particularly around sales practice fraud and misconduct ( i.e. XXXX XXXX XXXX, this statement/insinuation is irresponsible at best and indicative of a larger problem with XXXX at worst. 

After this, the funds deducted from my paycheck were returned to me, as expected. And I did n't hear form XXXX or XXXX again. Until this month. 

XXXX XXXX - I received a letter from XXXX, again advising that I owed this debt, and that they would be pursuing the funds by way of the judgment I referenced earlier. XXXX months after I was under the impression this was corrected or fixed for the second time. XXXX years after I was under the impression this was fixed the first time.
I have been working with Bayview in regards to a loan modification to avoid foreclosure. Since the initial start I have been provided the constant run around and being told documents are not being sent in when in fact I have proof they have been sent in. I am unsure why they are playing these head games with me and making me more XXXX and hoping that I give up so they can sell my house. Bayview should have ALL documents they are asking for and there should be no reason to keep asking me for the same documents over and over again.
On XXXX at approximately XXXX est while attempting to deposit a cash deposit using my atm debit card issued by Huntington Bank the kiosk experienced a system error and proceeded to shut down for no apparent reason. After contacting my bank located in XXXX, MI. XXXX immediately during this transaction a representative ( XXXX ) told me that the bank does not handle atm deposits they could not help and directed me to contact the phone number on the machine. After the machine shut down not returning my cash or my atm card and not issuing me a receipt I pulled away from the kiosk and contacted the number for customer service. The initial representation I spoke with was not able to answer my questions and concerns so I asked to speak to a supervisor and was transferred to ( XXXX XXXX ) who after speaking with for 15 mins began to open a case # ( XXXX ) in regards the error. I was informed that this sorta thing can happen and was likely due to a system update and the investigation process to return my funds and card can take up to 45 days. That is NOT acceptable! I stated to XXXX XXXX that I was not in a position financially to wait that long for them to due an investigation as I have obligations allocated for those funds. He ( XXXX XXXX ) also told me by filing a complaint with this agency, would lengthen the process and that they would not be held accountable for any fees or charges that I would incur because of the error in the machine. Again NOT acceptable! I am seeking the attention of this matter to be escalated to locate my deposit, my card and monetary damages associated with the company 's errors. I was not given the company 's name who handles the Atm kiosks by ( XXXX XXXX ) as he refused to provide me with that information repeatedly claiming it would be a security breach. ( XXXX XXXX ) also provided a false corporate phone number for Huntington bank and expressed to me that by bringing this matter to your attention and/or to the attention of the public via social media I would be risking the possibility of a possible unsuccessful return of the investigation. Given me an ultimatum to not voice my opinion is a violation of my rights NOT acceptable. So many things are wrong here I dont even know how this could ever happen to anyone and take so long to rectify, I'm absolutely horrified at how this bank operates and will be closing my account as soon as this matter is adjourned with compensation in my favor for having to undergo this whole process. Thank you for seeking a positive outcome on my behalf I look forward to your response.
Experian does not show account # XXXX XXXX XXXX XXXX on my credit report and I have had this account for several years. In which there is no balance at this time. I have also attach a copy of my last billing statement for XXXX XXXX Bank