WillisBack/dataset-financial-user-claim huggingface dataset:
I do not answer unknown numbers because of frequent solicitation calls, I received about XXXX phone calls within the span of a day and a half, the caller would not state his business and would just leave a name and number to call back. All of these calls were during business hours when I 'm not able to use my cell phone for personal business. I called the number back when I got a free minute on my lunch hour and spoke with the gentleman, he let me know it was to collect a debt, I asked him if he could please mail or email me a statement so I can make sure it 's valid, he gave me an email address to request a bill, I emailed requesting a bill the same day, I did not receive a response until the next day with my name spelled wrong on everything, I asked them to correct before I make payment. I continued to receive multiple calls while corresponding and cooperating via email.
I am not sure if this company is legit or not. Could be a scam trying to pry personal information from you for criminal reasons. I do n't owe anyone any money so no reason for a collection agency to contact me that is why I am suspicious. Phone # they contacted me from is XXXX XXXX XXXX XXXX
In XX/XX/2018 this collector XXXX XXXX appeared on my credit report as a late payment. I had no idea who they was and what debt I had with them so I had to call and reach out first. Once I got in contact with this agency I was told who they brought the debt from and made it into a unsecure loan with them with past due balance of XXXX late payment of XXXX dollars. I never got one notice from this. Agency about this debt they have failed to set up a formal payment agreement and just decided to put a late payment on my credit report. My second call to them was asked for documentation of payment plan set up with them she failed to send me this information and claim the XXXX dollars is the same Payment I was paying to who they brought the debt from. Well this is invalid due to them postings this documentation they claim they sent me in the XXXX site and shows the payment was only XXXX weekly which is only XXXX monthly so the payment are wrong let alone me and this said agency did not make and agreement on a payment plan I refuse to pay this back until these late payments are taken off my credit report and Handled the correct way
I made several calls to Navient in regards to lowering my payments based on my income. I was instructed over the phone to go on line and see what plan I qualified for. In the meantime Navient would put my loans in forbearance for a minimum of 60 days, but before the time was up, Navient would send me messages stating that my loan amount had increased as well as the interest. The amount went from {$400.00} plus dollars, to {$800.00} and then {$1200.00}. After reviewing the loan plans, I was only eligible for XXXX, and that 's because they do n't give Parent Loans any justice. Also, every time I applied for this one income based payment plan, the re-payment amount rose to more than what I was able to pay. I was always told that they could n't get it any lower. There have been numerous occasions to where I needed clarification on there polices and payment plans, but the representatives were n't capable of helping me, and I do n't think they knew how to explain any of the plans properly. The website is very confusing and non-user friendly. I filed a form, and sent it in, and received in the mail a letter stating that I did n't qualify so they put me on another repayment plan that resulted in higher payments.
On XX/XX/XXXX Nationstar Mortgage LLC wote to me advising that I was approved to enter into a Trial Period Plan for a Streamline Modification. I completed the trial payment plan which consisted of trial payments of {$1200.00} due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I signed the loan modification agreement before a notary public and mailed it. On or about XX/XX/XXXX I went to the Nationstar Mortgage website to make a payment consistent with the loan modification agreement but was unable to do so. I contacted NationStar Mortgage and was advised that the loan modification agreement was still being processed which was why I could n't make a payment. On or about XX/XX/XXXX, I logged on to the Nationstar Mortgage website to attempt to make a payment consistent with the modification agreement. The website stated that my loan modification was denied. I spoke to XXXX XXXX. She informed me the modification was denied because the Notary Public crossed out the co-borrower 's name. On XX/XX/XXXX I received a letter from Nationstar Mortgage stating it sent me a letter providing me with the decision on my modification review but omitted that the decision was based on the eligibility requirements of XXXX Investors. I never received any letter informing me of the modification denial. On XX/XX/XXXX, I appealed the modification denial as outlined in the XX/XX/XXXX Nationstar Mortgage correspondence.
I request that the CFPB investigate Sears ' failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Sears account ( ending in XXXX ) for {$7000.00} on XX/XX/XXXX ( See Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX Licenses from the XXXX XXXX that I never agreed to purchase and that were never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through J attached below. 
On or around XX/XX/XXXX, I notified Sears of the fraudulent charge on my XX/XX/XXXX billing statement. Pending the investigation, Sears credited {$7000.00} back to my account ( See Exhibit B in Attachment ). XX/XX/XXXX, Sears provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit C in Attachment ). On XX/XX/XXXX, Sears re-debited the {$7000.00} charge from my account. On XX/XX/XXXX, I submitted a XXXX written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a XXXX billing dispute to Sears requesting that Sears investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through J ). 
In response to the second and third billing dispute letters, Sears has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Sear 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$7000.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ).
Good afternoon, I am writing because I have attempted to get mortgage modification from bank of america for the last 2 years. I have been denied services however I never knew why. Once speaking to BOA, the company indicated that they are suspecting mortgage fraud and will not proceed with loan modification on property because of this fraud alert on the account. They also will not disclose what I can do to remove this alert from the account to modify th loan. I am asking for you assistance to help me resolve this issue so I can proceed with loan modification to avoid losing my property.   I am willing to provide whatever documents that are needed to resolve this issue however Bank of America is not disclosing documents that are needed to resolve this issue. Please assist me in getting this issue resolved so I can save my home.   My ex-wife had a power of attorney back in  XXXX  when I was  XXXX  and was attempting to get modification on property as she was residing in the property at that time and was not paying the mortgage. We are no longer married and I have since moved on and has assigned and submitted another power of attorney (  XXXX  ) and have submitted a third party authorization in  XXXX  which voided the POA that was assigned to my ex wife. All these were submitted to BOA with my signature and witness by notary. With that being said, Bank of America is indicating this is fraud however it just some life changes. The curren t POA is m y current significant other and has been living in property with me since  XXXX   XXXX  and has been assisting me financially and with submitting appropriated documents to get home modified.   This problem came up again in  XXXX  and since the new  POA was not enough I signed an Revocation on POA for ex wife ( see attachment )
Main address XXXX XXXX XXXX, XXXX XXXX XXXX, Ar XXXX Previous XXXX XXXX XXXX XXXX, XXXX XXXX, Ar XXXX Incorrect address are being reported. I fax information and contacted them by email Equifax .Photo and one the my 2 previous job W2 forms. That 's show address My name is incorrect and I ask all for all inaccurate mis spelling name be removed. As I go. XXXX XXXX XXXX ( previous ) XXXX XXXX as current name. I fax over information and they mess up my reporting over worse than before.
I have been actively trying to have the collection account/judgment removed from my credit report from XXXX as I and my wife, XXXX appeared before the judge and the plaintiff did not appear and the Judge ruled in my favor that this matter was a non-suit judgment on the behalf of the defendant ( I, XXXX ). I have sent the Judge 's order to XXXX in support of disputing this item from my credit report and they have since removed it. I have also sent the supporting documentation to Equifax and XXXX in XX/XX/2017 and have received correspondence from that they will not remove this fraudulent charge from my credit report. I am requesting your assistance in having them remove this from my and my wife 's credit report as this is seriously affecting our credit and lives. Thank you, XXXX
Company calling itself AFNI, Inc. sent me a collection notice purporting to represent XXXX. Alleged a balance due of {$1900.00}. My account with XXXX was closed in XXXX or XXXX of 2015 and paid in full. 
Company name and address : Afni, Inc. XXXX XXXX XXXX, XXXX IL XXXX Company phone : XXXX Company website : www.afnicollections.com Their letter to me included several account numbers which I will gladly provide on request.
I settled out an account w ith Midland and now they are reporting data to  XXXX  stating I owe the difference which is false. I have disputed several times and  XXXX  state Midland verified. This  is not right I am requesting removal ASAP of this false item I do n't know what else to do.      XXXX  has listed Midland Funding LLC  XXXX  {$290.00} owed which is FALSE
Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint XXXX in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint XXXX : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint XXXX : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) : XXXX the Best, XXXX XXXX XXXX not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of 2017 all payment went through XXXX XXXX  as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
This company is reporting that there is a balance owed. According to XXXX there is a XXXX balance but this collection agency is stating that there is amount owed. We paid XXXX {$220.00} about two weeks ago and was informed by over 10 reps that the remainder of the balance will not removed. Well the collection agency only removed the {$220.00} and not the full payment. I spoke with a manager by the name of XXXX at XXXX and informed me that we do not have a balance. The {$230.00} that is left on the account need to mimic what XXXX system has. The services have been disconnected as paid in full.
Navient has raised my interest rate every 6 months, in XX/XX/2018 my interest rate went up .25 % which it now at 11.25 % I have repeatedly tried to contact them regarding this ... .they tell me too bad they can do anything they want. My other student loans with the Department of Education have been discharged because of my XXXX which Navient refuses to accept. XX/XX/2018 my interest rate went up .25 % which it now rest at 11.25 %.
XXXX XXXX has placed a collection item on my credit report with the credit bureaus. That collection item showed up suddenly and does not belong to me. The name on the debt is not my name, yet was the debt was still attributed to me and placed on my credit report. This is deeply problematic as it prevents me from getting a home loan. 

On Wednesday, XXXX XXXX, 2018, I contacted XXXX XXXX ( through XXXX XXXX ) and informed them that the collections placed on my credit report with the credit bureaus represent a debt that does not belong to me. I informed them that the name on the account is not my name and I have never gone by that name, in fact, the surname is not my surname. 

XXXX XXXX refuses to remove the item from my credit report. I need the assistance of the CFPB with getting this wrongful collections item removed so that I can move forward and be able to secure a home loan.
On XX/XX/XXXX I was contacted by my employer about a credit issue. As a result I contacted Nationstar, now Mr. Cooper regarding what appears as an open account with them on my credit. Nationstar repeated advised I did not owe them anything and that the account was charged off. They even advised " even if you wanted to pay it of, you couldn't. They refuse to put that in writing and/or remove the account balance from my credit report. As a XXXX XXXX employee, this is an employment issue for me. As a veteran, I'm disgusted with the way Nationstar/Mr. Cooper has treated me and impacted my credit. If I don't owe them anything, as they've repeatedly told me, how can they report this as an open account?
I went to XXXX around XX/XX/XXXX. It said my data had been breached. Today I heard this website gives random results, so I checked again today, XX/XX/XXXX. It told me I was not affected. Was I affected or not? I do n't know.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on  my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
On or around about XX/XX/2017 I received a hard inquiry on my XXXX  credit report. I was alerted by a credit monitoring alert through XXXX. Concerned due to the fact I hadnt recently applied for anything it showed the company Kirschaun, Nanney, Keenan & Griffin, P.A. had run a hard inquiry on my credit report. Considering I have never given them my personal information I called that following Monday and was told I owed a debt to XXXX XXXX which I hadnt recently done business with. I received a response from the company in which I still have screenshots and print outs and I informed them it was fraud. There was enough information provided from the company the last time I made a complaint to investigate with the assistance of an attorney. I even called XXXX customer service and was told they had no idea what I was talking about.The VIN number of the car Was searched it belongs to someone else. I have documentation to show the car was sold by XXXX in another state. We ran a VIN check. # XXXX. 
XXXX XXXX XXXX. I would think a collection agency or a entity that acts as one would have common sense to investigate. XXXX clearly provided false information and after informing Kirschbaun, Nanney, Keenan & Griffin, PA they still committed fraud on behalf of XXXX. Fact # 1 I was not and have not been a resident of XXXX let alone XXXX XXXX for more that 2 years. My drivers license is proof and my lease agreement to my apartment. I couldnt of purchased a car if I wasnt physically wasnt in the state. I was a resident of XXXX   then now a resident of XXXX. I have yet to see a car loan application, copys of any identifying information. After the response from my last complaint to the Consumer Financial Protection Bureau I sent the company certified mail which was later rejected and sent back stating it was the wrong address. But I clearly sent it to the address provided which was a XXXX XXXX In XXXX XXXX. I have made a formal complaint to the state bar due to the misconduct and false documents provided by Kirschaum, Nanney, Keenan, & Griffin, P.A.
I applied for a credit card with chase bank. They approved the credit card and than randomly closing my account.
My husband and I were contacted today by a company called " CRS '' from a Texas phone restricted number ... .we were told this was regarding a lawsuit and that they could not release any information unless we call this number XXXX and this was our file number it was in reference to ( I have this number if needed ). I called and the company was referred to as " CRS '' I spoke with a woman named " XXXX XXXX '' who said her direct line was XXXX. She said this was for an over drafted bank account balance for my husband with a bank from XX/XX/XXXX-XX/XX/XXXX and did I know anything about that, I said he has no bank account there. She confirmed his SSN and his DOB ( she had them already ) She stated well you don't know everything about everyone, I said I know his credit and this is not a legitimate dispute. She said well if he or his attorney does not contact us today regarding this matter that they will pursue legal action and garnish his wages to collect on the original balance of {$1200.00} plus legal fees the total would be {$4500.00}. I gave her my gmail and asked that she email all of these details for me to review with him as he was in a class today and could not be reached. She said she would. I have not received any such email from them. We were very upset by this. My husband did settle a closed account with bank back in XX/XX/XXXX but how would they even get this info now, this was also a paid balance? I did not explain any of this to her at that moment.
The Google Wallet iOS application said I would have " access to my funds within minutes '' on the transfer screen. After I hit submit, it said I would n't have access for 5 days. It did n't give me the option to cancel. An email inquiry that followed said it would take XXXX hours to receive a response. No other way to contact them.
I have been making extra to our principal to our Ocwen loan but the payments are not being applied to principal but to a suspense account. The payments are being applied at a later but not back dated to when the payment was received. Our loan is equity loan and the interest is calculated daily based on the balance. The interest balance is higher to due to improper posting of our payments. On XXXX XXXX, 2016, I sent Ocwen letting them know I was disputing the outstanding loan balance and missed applied payments. As of the date of this letter, I have yet to receive a response from Ocwen regarding my XXXX XXXX, 2016 letter. In addition our interest rate has gone up twice with no notice.