WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX we applied for a 30 year fixed mortgage with XXXX XXXX XXXX, XXXX, Michigan. XXXX XXXX XXXX took the loan application and stated that he would be our contact person. We explained to XXXX XXXX that we needed to refinance our existing mortgage with XXXX XXXX, XXXX, for a lower interest and also pay off a 7 % Signature Loan with XXXX XXXX XXXX XXXX, {$27000.00}. XXXX XXXX stated the Signature loan pay off would depend on the appraisal of our home. We paid a {$450.00} appraisal fee at that time. We were then notified by a XXXX XXXX XXXX, Senior Processor, on approx XX/XX/XXXX. XXXX XXXX then stated that our home appraised for {$200000.00}. I then ask XXXX XXXX if the entire balance of the Signature Loan would be paid off, due to the high appraisal of our home. During that phone call XXXX XXXX checked the figures and told me that there would be no problem. XXXX XXXX also stated that Mortgage Center would also get the payoff of both loans. We closed on our refinance loan with Mortgage Center on XX/XX/XXXX. Mortgage Center disbursed the money on XX/XX/XXXX. On, XX/XX/XXXX we became aware that our Signature Loan, at XXXX XXXX XXXX XXXX, had not been paid. Also our {$540.00} payment was due on the Signature Loan. XX/XX/XXXX my XXXXyear old grandson informed us that Mortgage Center had made an error and paid off his pickup truck. In a panic, XX/XX/XXXX I called Mortgage Center and talked to XXXX XXXX. XXXX XXXX said he would check into the issue and call me back. When XXXX XXXX called back he stated that the refinanced loan was closed and really didnt think there was anything Mortgage Center could do. He recommended that my grandson make his original truck payment to us. Then we could put my grandsons payment to our 7 % Signature Loan. I still today cant imagine being offered that solution.
Credit agencies XXXX Equifax , XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.
this company is trying to collect an unknown debt, I requested verification and validation of this debt including a signed contract of me agreeing to pay this debt. not only did this company not provide it, they are reporting this to my credit which is violating several laws. 
It is also reporting twice on mt trans union report.
I am a victim of identity theft. I have been trying to contact XXXX XXXX for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in XXXX for the last 10 years and not an address in XXXX. They denied me the opportunity and kept giving me the runaround. I don't understand why XXXX XXXX is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
I have a judgment on my credit file with Equifax. I filed a motion with the XXXX Court in XXXX XXXX, NJ to vacate the judgment. The motion was granted by the Court. 
I submitted copy of the final judgment to Equifax , so they could properly report it on my credit report. They sent me something that I believe they did n't bother to investigate with a final investigation result, when all they had to had to do with the copy I submitted was to contact the Court as to whether or not the court document submitted truly came from there. 
They simply concluded that the judgment shall remain in my file, when it has been vacated by the court in an oral argument in front of a judge. 
I want Equifax to respect court documents, when its people claim to be investigating a dispute, they have to do just that. I also want my credit file not to have a judgment, because it has been vacated by XXXX Court XXXX XXXX XXXX.
I filed my income taxes to turbo tax .I was supposed to have my refund direct deposited onto a prepaid debit card from net spend. I never received it and I called NetSpend they cancel my acardand I have not been able to receive my refund .they said they sent my refund back the IRS but I have information that it 's in an account At XXXX bank. I have a letter of reserch stating wher my funds was deposited. i just dont know how to attach the documment in this complaint.
I mistakenly over paid of my Bank of America. The payment cleared in 24 hours. Why does it take 2-5 business days ( possibly 7 days ) to return the money back into my account? They have had {$13000.00} of my money sitting there. Why can they take your money so fast but be so slow returning it?
I used my prepaid card to make a hotel reservation. The hotel merchant did not process the card for any amount. I did not have a balance owed to the merchant when checking out. 
The prepaid card provider has been contacted by myself, the hotel merchant, and provided supporting documentation. The prepaid card provider refuses to release MY money from pending transaction status. The representative from the prepaid card provider promised my funds would be released. Instead they continue to hold my funds and refuse to release my money.
On  X/XX/17   , I requested  XXXX   & E quifax to validated accounts on my credit report and received response on  XX/XX/2017    from  XXXX  and on  XX/XX/2017    from Equifax that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also  XXXX   XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them
Regional Finance  is stating that I still have a balance of {$570.00} when I actually paid this account in full on  X/XX/17    ( see attached receipt ) in the amount of {$3400.00}. I am in the process of buying a home and this is causing me a set back. This should have been updated on my credit at least 30 days ago. It is still reporting as a deliquent account. When I called to speak with Regional on  X/X/17    they were very rude to me and offered no help even though I have proof from  XXXX   XXXX , Attorney at Law that this account was resolved. I want this updated on my credit report immediately supplying me with the AUD or Control Number that they will be provided once they have submitted the update to the  XXXX . I also request to have a letter sent to my current address showing that this account has been closed out in their office.
I have a home equity loan with Wells Fargo Bank. Beginning with the XXXX XXXX and XXXX XXXX payments I began using bill pay through XXXX. Using bill pay, XXXX {$1500.00} payments were made by me to WFB on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that WFB received, but XXXX and then began harassing phone calls by WFB. I explained things numerous times to WFB representatives and provided them with the documentation proving that they had been paid timely. They nonetheless asserted late fess. I had them talk to my private banker to resolve things with no success. I asked them repeatedly to confirm that they have not reported late pays to the credit reporting agencies with no success. I have followed up repeatedly about things being resolved with no success. I have asked them to confirm that they had received payment because they then inexplicably refunded the two payments with no success..
I took out private tuition answer student loans from XXXX XXXX from XXXX when I went to School of the XXXX XXXX of XXXX. These loans are now serviced by Navient. They have been charged off since XXXX. I was n't able to pay the XXXX monthly payments and the servicer gave me no options but to default on the loan. Now the loans have more than doubled in interest and fees with in a two year period. Also Navient continues to report this on my credit report with erroneous information. The closing date and the last payment made is false, illegally extending the statue of limitation on the account. This company is a predatory lender and their collection tactics are abusive and illegal. I ca n't even get I loan statement that describes these fees and interest. The fees and interest they have added to this account are exorbitant. I plead that the CFPB take legal action against this consumer predator Navient.
I have disputed this information XXXX times. 
1.Hospital Bill ( not mine ) 2.XXXX ( I sent them the letter I received from the creditor to remove the information ) 3.XXXX ( I sent them the letter I received from the creditor to remove the information ) I receive a notification saying they have verified the information after a couple of days and refuse to delete this off my report.
I have disputed this account with certified USPS letters over 4 times. Nothing has been done on the investigation and the account continues to be reported wrongly. This account is unverified as it was paid off on time with no payments ever late. Promptly DELETE all information which can not be verified.
Goodafternoon, my problem is that I did a mobile deposit to my bank ( Capitol One ) in XXXX XXXX of a {$1500.00} check. This was on a Friday, so I expected my check to be cleared on that Saturday. That didn't happen so on Saturday I went to a local branch to find out what was going on. I was told it was going to take a couple of days for this to happen. About 3 days pass by and I called the Bank to inform them that I wanted to cancel the check, the representative that I spoke with told me there would not be any problem in doing so because I informed him I needed the money so I was going to cash it at Check cashing place. Doing so he proceeded and informed me there would not be a problem with him canceling the check. I went and cashed my check elsewhere. On XXXX XXXX I realize my account has a negative balance of {$1400.00}. I called the Bank to find out why and they informed me it is because they adjusted the amount to my account. I asked to speak with a manager and I explained to her the situation and she informed me that once a check is deposited there is no way of canceling the check, but I clearly told her I had called and spoke to someone and they told me otherwise. She said she was going to retrieve the calls and find out what was going to happen, the representative told me someone would call me in 3-5 business days, and I heard from no-one. I proceeded and called back 5 days later and she informed me someone was trying to get in touch with me, but to my understanding no-one called me nor left me a message to call back. She told me someone was going to call me again but again no-one did. So today on XX/XX/2018 I called and no-one gave me an answer the representative I spoke with told me the same thing as before. He didn't give me a way to solve my problem or any other options.
When I began repaying my student loans in   XXXX  , I was told I would need to m ake 120 paym ents on time to qualify for th e Public Service Loan Forgiveness  program. I chose to have my payments auto-deducted from my bank account to ensure I would not miss a payment deadline. In fall  XXXX , my payments suddenly increased. I called to speak with a representative regarding this increase & was informed I was on the  Graduated Repayment Plan,  which sounded fine to me. Before the phone call ended, I asked them to verify how many payments were left before I could apply for the loan forgiveness. I was informed by the representative that my payment plan did not qualify for the loan forgiveness & that the loan forgiveness was not retroactive. This was the first I had heard &  read  of this, as I also had been interested in the  XXXX   XXXX   XXXX   XXXX   XXXX . I immediately had the representative start processing the paperwork to swap my loans to a qualifying repayment program. It appears as though I will be working another 10 years as a  XXXX  to get my loans forgiven. I feel cheated & tricked by this program. I made my payments on time ... so why should I be punished for not being on a lower repayment plan?
I requested validation of debt with a debt validation letter dated XXXX XXXX, 2017 and I received no signed contractual obligation to validate the debt is mine from Compass Bank. It is still showing on my credit report.
I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1800.00} still showing so I do n't really understand why the company keep calling me for a closed account.
I do not know this debt, nor do I know who this collection agency is. I never received any correspondence from them.
XXXX XXXX XXXX foreclosed on my property. XXXX XXXX XXXX never sought to collect after the foreclosure sale. 

Now, four years after foreclosure sale, Nationstar claims I am {$110000.00} in arrears. 

I have been litigating with XXXX XXXX XXXX since XXXX XXXX, 2012 to enjoin a wrongful foreclosure eviction. The case is currently pending in the XXXX Court of Appeals.
US BANK WILL NOT GIVE ME MY FINAL MODIFICATION PAPERWORK, THEY HAVE BEEN GIVING ME THE RUN-AROUND SINCE XXXX XXXX, 2015, ABOUT SOME PAPERWORK THAT WAS NEVER SENT OUT. I PAID MY 3 MONTHS OF XXXX PERIOD PAYMENTS. MY LAST PAYMENT WAS DUE ON XXXX/XXXX/2015, THAT WAS SENT ON XXXX/XXXX/2015 AND AS OF TODAY XXXX/XXXX/2015, I AM STILL WAITING ON FINAL MODIFICAITON PAPER WORK, I SPOKE WTH XXXX AND XXXX TODAY THESE PEOPLE HAVE NO KNOWLEDGE ABOUT MY ACCOUNT AT ALL. MY MORTGAGE ASSISISTANT PERSON HAS NO KNOWLEDGE EITHER, I REFUSE TO SPEAK WITH HER, I BELEIVE US BANK HAS DONE SOME ILLEGAL STUFF WITH MY ACCOUNT, AND THIS IS THE REASON I CAN NOT GET MY FINAL PAPERWORK SENT OUT TO ME, THEY WANT ME SCREW-UP SO THEY CAN TAKE MY HOME. THIS IS THE XXXX COMPLAINT I HAVE FILED. I AM SO FRUSTRATED WITH US BANK HOME THAT I COULD SCREAM. PLESE HELP ME I WANT TO GET THIS ACCOUNT STRAIGHTEN OUT AND START MAKING MY MONTHLY PAYMENTS. I DO NOT FEEL RIGHT MAKING ANY MORE PYMTS TO US BANK WIITHOUT MY FINAL MODIFICATION PAPERWORK SETTING IN FRONT OF ME SIGNED.
My bank account was constantly being garnished for an amount well over what I actually borrowed. I constantly called and inquired but they would refused to stop taking money out of my bank account which forced me to file a complaint with my bank and closed the account. They sold my information online and now all kind of fraudulent payday loan companies are reaching out to me accusing me of owing them money this company is a fraud. I do not owe them anything. They kept calling and harassing me and that is not common collecting practices.
My medical bills are paid by XXXX, Ohio XXXX, or XXXX/XXXX XXXX XXXX XXXX. 

The Revenue Group with the XXXX XXXX, Ohio telephone number XXXX calls incessantly trying to collect a debt I do not owe : XXXX XXXX, XXXX XXXX, XXXX, Ohio is who the company claims to represent. 

When " XXXX '' from The Revenue Group called earlier this morning, I explained to her that she was trying to double collect on a previously paid bill. XXXX asked me for my birthdate which I refused to submit. I did tell XXXX I would report to the Federal Trade Commission they were trying to double collect on a bill that was already paid, In the past, Ohio XXXX gave me a letter to give to XXXX XXXX and to this same or a similar debt collector regarding the issue of trying to collect from me. In that instance, the debt collection agency ignored my telling them that XXXX paid my bills, and they ignored the letter from XXXX. 

Presently, the XXXX XXXX, Ohio telephone number uses another telephone number because I do not answer. Both numbers harass by ringing incessantly on my telephone line. 

Today, I again spoke with XXXX to ascertain further information. She would not comply because I refused to give her my birthdate and information concerning my social security number. XXXX said she would send mail out to my home. I do not want mail coming to my home from The Revenue Group. 

Please, I need your assistance in getting this issue resolved.
I pay easy money {$230.00} and I have my bank statement showing that it was paid twice they send it to a debt collector is called Plaza service and
I made my payments on time with the company in question every month. I used their automated website to make the payments. However, one month that i made the payment and they showed it as paid i received notice 30 days later that my payment was late. This was by no fault of my own as their website has said they received the payment.
There is a fraudulent charge of {$3100.00} from  XXXX   XXXX  on my credit reports. The account was opened  on  X/2015    a nd close d  X/2015   .    I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to al l 3  credit a  gencies.
I am a   XXXX   XXXX   who was subject to the  XXXX  i  nformation theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  XXXX   XXXX
I have had four disputes with Synchrony regarding a delivery of appliances that was delivered and then taken back by the delivery company due to my frustration that they did not have the entire appliance order that I made. Synchrony has had four chances to resolve the dispute and they have not undertaken a full investigation and solely relied on mistruths by XXXX  that the delivery company " delivered '' the appliances. Yes, they delivered them, and then they took them back.

I was in touch with the President 's offices of Synchrony, XXXX XXXX, and he has not initiated communication at all other than an introductory email. Synchony, as is typical, has not notified me in a timely manner as to the dispute resolution.

Attached find a chat I undertook with Synchrony to find out the dispute resolution as Synchrony has not notified me of their " resolution ''.
I recently complained to cfpb that XXXX XXXX was hindering people from wiring me money thru XXXX 's XXXX XXXX XXXX program. XXXX XXXX has responded by informing me that they handle XXXX XXXX XXXX, but not XXXX XXXX XXXX. They confirmed that XXXX XXXX XXXX was handled thru Ria. I thought Ria was part of XXXX XXXX. My mistake. I have spoken to Ria ( XXXX brochure said to call them ) in the past concerning them first accepting people 's cash & providing a confirmation # for funds to be sent to me, but then twice denying me those funds after I provide a copy of my Driver 's License & a copy of the confirmation receipt including the #. This means that the sender must make another trip to XXXX to get their funds back. On both occasions the funds were given back to them. Ria 's response ( I escalated call to supervisor then asked for that employee 's supervisor, but was never called back by this 2nd line supervisor ) was always to have the sender contact them. I'm told their response to the sender was that there was " fraud in the area ''. This seems like a peculiar response since I should be able to pick up those funds in every XXXX in Texas or maybe the nation. What area are they claiming fraud? Ria was asked & they always denied that they had a block on my name, but on two straight occasions within a week apart I was denied after having used XXXX XXXX XXXX successfully on many occasions over the past few years. I feel that Ria is somehow targeting me as a fraudulent receiver & I'm committed to providing anything reasonable to prove to them that I'm not involved in fraudulent activity. I don't know yet whether their actions have slandered my name.
I am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and  XXXX  credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
After receiving letters from XXXX XXXX and XXXX XXXX that her " loan payments '' for her reverse mortgage ( there were none ) should now be made to XXXX XXXX, my XXXX-year-old mother started sending her {$310.00} HUD loan payment ( which was serviced by a third company ) to XXXX in XX/XX/2017. She made another payment in XXXX before the third party notified her that she was past due. 

When we discovered what she had done, we contacted XXXX XXXX via its XXXX  number on XXXX XXXX and explained the issue to XXXX. She confirmed the facts and promised a check would be sent. 

When no check was sent by XXXX, we called again and spoke to XXXX on XXXX XXXX. He again confirmed the facts and promised to make sure a check would be sent. 

Not having received a check yet, we sent a demand letter to the only address XXXX provided on XXXX XXXX. 

And when the funds were still not returned, we call on XXXX XXXX to again try to resolve the issue. This time XXXX told us that it had " been too long '' and XXXX would not issue a check. 

We responded that the responsibility for delay was entirely XXXX 's and that it did not absolve them from returning the money sent to them in error. XXXX said we'd have to open an " investigation '' into the matter. With XXXX, who had simply failed to remit the funds in the first place. 

We told XXXX we would prefer to pursue this unethical behavior through other means. And here we are.
XXXX   2017 , I noticed th at Enhanced Recovery Corp.  was reporting a debt to all   XXXX   credit bureaus. I did n't have prior knowledge about the alleged debt. The original creditor listed is  XXXX .  XXXX  never sent me a letter informing me of an account that was being purchased/assigned to a collection agency. Additionally, ERC never sent me a dunning letter. Upon my discovery,  (   XXXX     2017  ) I sent ERC a debt validation letter. In turn , (   XXXX     2017   ) they only sent me a copy of a billing statement. This billing statement did n't even contain the addre ss of the original creditor. Furthermore, I know under the FDCPA ERC has violated my rights as a consumer by reporting an unvalidated debt.