WillisBack/dataset-financial-user-claim huggingface dataset:
I was just notified by XXXX XXXX  that I have a lien on my property through castle credit. I have a water system and castle credit finance me for the system. What I didn't know that they put a lien the minute you except the loan. I tried to refinance my house and it can't be done because of this issue. I talked to someone in castle credit and he stated that they do this with all there customers I hadn't had the loan only since XX/XX/XXXX. I am trying to get this matter resolved.
I have requested verification of the debt multiple times, sending certified letters to this company with no response. They continue to report this debt to the credit agencies without providing documentation that this is a valid debt. It has now been past 30 days since the request for documentation proving my financial responsibility and they still have not provided the information requested.
The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from Vital recovery service for a debt from XXXX. I never heard from XXXX or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called XXXX  regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. XXXX never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from XXXX or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.
I have requested my free annual credit report several times. Equifax has refused to give me a copy of my report stating that the information I have provided is not matching their records. I have attempted on XXXX/XXXX/XX/XX/2015 to obtain a report using the XXXX website they forced me to go to. At that time, I entered my information and requested an XXXX and Equifax report. XXXX sent the report without issue. I called Equifax today and was told I needed to enter correct information. I did. They refused mecagain online. They do not have a way to speak with someone and have refused to assist me. This violates my FCRA rights and I would like an investigation done.
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mo. XXXX, and their attorney, XXXX XXXX, of Blitt and Gaines, P. C., Attorney at Law, XXXX XXXX XXXX, XXXX, IL., XXXX, are trying to collect on an alleged debt that has reached the status of State of Limitation and are trying to collect on a debt that XXXX XXXX XXXX, failed to validate upon request in XX/XX/XXXX. They are also trying to collect on an alleged debt from someone ( that being me ) who is retired and have been retired since XX/XX/XXXX, an entire year before XXXX XXXX XXXX made their first attempt to collect. Also, XXXX XXXX of Blitt and Gaines has committed fraud by advancing a writing ( a fake judgement ) that they know is false with its intention to be detrimental to me by use of interstate communications.
XXXX this account is old and still reporting way further back than it needs. As well creditor agreed same stating deliquincies listed though i dispute are from well over 5 years ago. 

XXXX bureau still reporting another old delinquincy, grantor states should not go back this far XXXX XXXX fraud account XXXX fraudulent inquiries XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX
Recently my  XXXX   XXXX   XXXX  mother fell and   XXXX   her   XXXX   in three places, while she was in the hospital her tax refund cam e ( she is still in the hospital ), she signed it over to me and told me to pay her rent with it. I endorsed it and deposited it in my Chase account. Several days later I get a letter from Chase telling me that they have restricted my account and  plan to close it because they were unable to verify my mother 's signature. WHY would this problem warrant shutting down my account that I have had for over 20 years? My mother is in the hospital and they could easily call the hospital to speak with her but they insist on me getting a letter from the hospital stating that she is there AND on top of it I have to pay for a notary to go to the hospital and have it notarized then take it to a branch. I am beside myself that I need to do this, I have been given no reasonable options and I am dealing with some very emotional issues regarding my mother 's future. Their solution is unreasonable and causing me a tremendous amount of distress at a difficult time.
XXXX XXXX credit card has not updated my balance since X/X/2017 causing me to have a lower credit score. 
I want to buy a house and the lower ( incorrect ) score is causing me to have to pay a higher interest rate for a mortgage.
Veros credit has reported to the credit bureaus, the same account three times with different amounts.Each has the same account number listed. The amounts are XXXX, XXXX, & XXXX. These are false statements.
Submitted a complaint with Equifax using their online tool. Received an email from Equifax saying that the complaint was investigated and I need to log into their system to view. They asked for some personal information to confirm who I was. I provided it all accurately and received a message saying " The information you have provided does not match our records ; therefore we are unable to process your request online. '' There is no phone number to call them to discuss it so I can't resolve it directly with them.
Dear CFPB I represent a client who settled a debt of XXXX. The client has XXXX and is selling his home. I have tried to no avail to obtain a release for this matter.
On XX/XX/2018, I applied for the Chase Ink Preferred which was placed on pending. I promptly contacted Chase bank to ask about the status of my application around 24 hours later and I was told my social security number did not match my identity which is not true because I've undergone several background checks and identity verification processes in 2018, including one from the U.S. Department of State and TSA PreCheck. 

I was asked to send in a digital/scanned copy of my social security card to XXXX for identify verification to further process this application. 

I immediately complied with all of their requests. I was transferred from one customer service representative to another to only hear the same exact thing : that my identity verification can take weeks to be completed. I am being treated unfairly and was not given a clear path to solving this block in the process.
I am enrolled in Public Service Loan Forgiveness program and I am not getting any feedback as far as the number of qualifying payments that I have made towards the required 120.  I have certified my employment every year so that this is easier to track but yet when I call and request a print out of payments made they say that it will be about 90 days.  Although that is a long time I will accept it but even after the 90 days I still don't have any information.  Currently I am working on about 150 days with no response.  The last person that I talked with looked at my account and said I should have over 70 qualifying payments but when I log into their website it says 55, this may not be updated but we are talking over a years worth of payments difference.My biggest worry is that I'm going to have 120 qualifying payments and I am going to be still paying for a year until they get around to forgiving my student loans.
From XX/XX/XXXX until XX/XX/XXXX fraudlent charges have been made to my accound that were not authorized. 44 purchases containing over {$5000.00} were not authorized my by me. 

My bank Ally has determined that I have authorized these purchases. 

There is no possibly way i could have made these purchases.
Engaged with QuickenLoans/Rocket Mortgage on XX/XX/XXXX, the last day of their end-of-year 'special sale '. Stewardship on the uickenLoans/Rocket Mortgage side provided by one XXXX XXXX XXXX. She impressed me with how their electronic system is set up, and how fast they can move because of that. We agreed that mine was a challenging scenario but Ms. XXXX was able to run it through the echelons and come back with a pre-approval the same day. She also offered a pricing package that was reasonable. 

Then she ordered an appraisal. 

The appraisal was conducted on XX/XX/XXXX, results delivered on XX/XX/XXXX on the RocketMortgage portal. The appraisal came under the 'street value ' for the neighborhood but still with a good loan-to-value proportion. 

Then the RocketMortgage portal informed me that a second appraisal was conducted for my property, and the results were posted on the website. Neither QuickenLoand nor Rocket Mortgage notified me of the requirement or possibility thereof for a second appraisal. The second appraisal was conducted by the same appraisal company/ agent, and the agent put in a closing note that the lender, i.e. QucikenLoans/ RocketMortgage directed him to specific addresses in the neighborhood against which to compare my property. 

Accordingly, the second appraisal came in way lower than the first one, and by that token the loan-to-value proportion changed significantly. 

That procedure did not seem fair, therefore I advised QuickenLoans/Rocket Mortgage in writing on XX/XX/XXXX of my decision to cancel the refinance application on the grounds of a corrupt appraisal process. I also asked for a refund of the costs of the appraisal amount of {$500.00} charged to my credit card. The lender did not acknowledge my cancellation notice.
While I was being assured that my student loans were in forbearance two of them went into default. In talking to a Nelnet ( formerly XXXX ) employee I learned how this would happen. 

I 'm told that my student loan could 've been handled at any one of three XXXX locations. When an individual asks for a deferment or forbearance, it is the servicer 's responsibility to " capture '' all of their federal student loans, from all of those locations. 

I was getting letters saying my loans were going to go into default. I called XXXX more than once and was told not to worry my loans were in forbearance and I would soon stop getting the letters. 

That was in the late 1980 's and the debt is huge now and the rest of my student loans are current and I believe they have been for at least 10 years. I work for XXXX XXXX and want to take advantage of the Public Service Worker program. I do n't have much as far as records. Their own records should support this.
Navient is the worst company, you ca n't even pay additional loan amounts unless you call in a payment or send in a check. It 's been going on over a year since their new website launched, it is like they are doing it on purpose so they can milk more interest out of me. They have severely failed their customers, I work in XXXX as a XXXX at a college so I am not some novice when it comes to this field. I am being punished because of their faulty practices, I spoke with XXXX who has followed up with me after my complaint to the XXXX. of XXXX and she has been helpful but she does n't run the company. How is it that a website can ONLY allow you to pay what is due? If I wanted to add {$50.00} to my payment I can not unless I send a check or call them, this is a ridiculous solution in XX/XX/2017 when everything is online and mobile. I never had issues before they broke off from XXXX XXXX, XXXX XXXX was no treat but I could at least pay more money monthly into my loans. I do n't even know if my loans have been properly serviced over the years, if I was a betting man then I would guess there are all kinds of errors on them and the payments have n't been properly allocated. I really feel I am owed something from this company, I myself have thought about legal action which would be expensive but I have family who work at law firms as well as friends who would most likely be willing to assist. I am sick and tired of the excuses I get from Navient, telling me I do have options to pay additional principal via phone or sending in check is a pretty weak solution to their website seemingly purposely not allow you to pay off your loans quicker. No other servicers have this issue. I really want this to be seen because I am in the party who is trying to pay their loans off ASAP and Navient makes it XXXX near impossible and their solutions are horrible.
I received a letter in the mail from GC Services Limited Partnership stating that I owe {$210.00} for student and loans so I called because I had an offset on my tax return for a smaller amount. When I called she said they had not received any money for this account and that my payment was still {$210.00}. I got another letter in the mail from the department of treasury saying that the amount of the offset WAS applied to my student loan account. I feel like they are trying to collect money that I do not owe or they are trying to collect more than I owe. She offered to let me pay {$170.00} today to out my account in good standing. I would like something to be done so that someone else doesn't have the same thing happen to them and not loose money that they don't owe.
Selling a mortgage that is in a remic that has no filings with the sec ever I want some answers?
attempted to pay off the highest interest rate and it was never allowed to. i deferred my payments due to being laid off. and the end result was they lowered my payments in deception as to prolong my loans being paid off.
On XX/XX/2016, my vehicle was taken by a recovery service. When I contacted NMAC, at first they did n't even know it was taken. I was on the phone, being bounced around for at least an hour. When I did speak with someone, I was told twice that I was only one month behind and my car should n't have been taken. The 2nd gentlemen said that the reason for the seize was because I made my payment on a Saturday and the system was n't updated in time. However, he said that 's my problem and I had to pay {$1200.00} plus fees to get my car back. I know for a FACT that there are customers three or more months behind that still have their cars. I also know that NMAC plays these games with customers with newer cars because they get more money. I admitted that I was behind due to medical issues and offered to pay on the spot. The gentleman said no and would not allow me to speak to a manager. No less, that it 's hard to understand the customer service reps due to a language barrier. I have been with NMAC for two years and it has been one issue after another. Hopefully corporate and my lawyer can help.
Repeated calls over 3 years to Navient to inquire about status of loan repayment. Repeatedly asked for loan to be changed to active repayment, and was told that my loan was in active repayment, even though the status on Navient web site said deferment. Due to this misinformation, my account continued to accrue unnecessary interest.
I keep getting calls from blocked/restricted numbers for which I send to voicemail. They leave a message saying call BankUnited at XXXX. They leave no name, no department, and no information what it is regarding. When I call the number, they immediately want my name, social security number, loan number, date of birth, property address. This is an extremely wreck less practice in 2016. There is no way to verify that this number belongs to BankUnited. The number does not appear on any website. There is no way to verify is this is a scam, yet they want my personal information. I instructed them not to call me anymore for which I continue to receive phone calls. I did verify by calling the main number that it was their Modifications department but they refuse to give me any information. It 's very irresponsible for BankUnited to be conducting business this way on the phone and soliciting people personal information for verification when there is no way for the person calling in to verify that it is legitimately BankUnited.
I am confused By XXXX Information. 
What company am I dealing with and why are They Falsely Reporting information on my Credit Report Timelines? 
1 ) Is it XXXX? ( EXHIBIT B ) 2 ) XXXX ( EXHIBIT A ) Was this Account/Loan Transferred? EXHIBIT ( A ) under DescriptionWas this Account Foreclosure Redeemed? ( EXHIBIT ( C ) XXXX Remarks ) Was it Reclaimed by Credit Grantor ( EXHIBIT ( C ) XXXX RemarksWho was the Credit Grantor and why have I not been Notified if Changed? 
Where are the assignments? 
Why are they Violating FDCPA, FCRA, TILA, Rosenthal act, RESPA and why is Ok to Flat out LIE when asked for Verification and Validation of Information
I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this
I do not have a contract with RMP. I have asked for validation from this company and have not received one that answers the questions that I have asked. They have only sent me letterhead documents that say that I owe a debt. I have disputed all RMP accounts with all 3 credit bureaus that have shown up on my credit and the credit bureaus continue to state that RMP has validated the information but has not sent me anything that validates that the debt that they are reporting is mine. The credit bureaus have deleted most of the accounts that this company has placed on my credit report because they were unable to verify the accounts and provide me with the information that I requested. I am asking for validation of the account with signed Hipaa document that releases any medical records to this company and a copy of any medical records that this company states that they have. I have requested in writing via certified mail for the following information and still have not received anything I have contacted the following credit bureau ( XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
CURRENTLY THERE ARE XXXX ADRESSES LISTED ON MY CREDIT REPORT. 
PLEASE REMOVE THEM AND LIST ONLY MY PHYSICAL ADDRESS OF : XXXX XXXX NY XXXX THE XXXX XXXX WERE THE LISTED WITH THE PHYSICAL ADDRESS NOT AS SEPERATE ADDRESS THESE WERE STILL CONSIDERED THE XXXX ADDRESS 3 YEARS AGO DURING ROAD CONSTRUCTION I WAS PROVIDED XXXX XXXX XXXX SO I DIDNT MISS ANY MAIL DELIVERY THE XXXX WAS PROVIDED FOR MISSING MAIL ISSUES DO TO OTHER PEOPLE STAYING AT THIS RESIDENCE I WAS ALSO RECONSTRUCTING MY DRIVEWAY THIS PAST 12 MONTH AND SOMETIMES MY MAILBOX AT THE PHYSICAL PROPERTY ADDRESS WAS NOT ACTUALLY UP PLEASE REMOVE BOTH XXXX ADDRESSES FROM MY CREDIT REPORT, ALL CONSTRUCTION HAS BEEN COMPLETED AND OTHER RESIDENCE HAVE MOVED I WILL BE RETURNING BACK TO THE PHYSICAL ROAD ADDRESS.
In 2007 I was moving and canceling my XXXX cable service. I was late returning the cable box and was negatively dinged on my credit. This was 9 years ago and it is still the first thing that comes up on my credit report. I have never been late on credit card payments and have been building my credit since I was XXXX. There also seems to be credit card delinquencies that are not substantiated and are false. This is an unfair system that does n't have sufficient oversight into correcting issues like this. Please help me! Thank you
I signed up with Bill Me Later. I linked a bank account to make payments on that account. When paypal brought out Bill Me Later I suddenly have a Paypal credit account. So my bank account remained linked now to my Paypal credit account. Paypal was always suppose to use my paypal credit for any charges. It went this way for a long time. Then suddenly last month Paypal used my linked bank account to make charges. I called them and informed them I never authorized my bank account to be used as a form of paying for items. It is only used to make payment to paypal credit. They said okay and now they have charged my bank once again and caused the account to overdraft. I have never linked an account to paypal only to Bill Me Later which turned into Paypal credit.
I had a credit through my XXXX, my lawncare service for applications and I had a XXXX application on my lawn that would cover the cost. Even with the credit, XXXX called about the debt and recently received a collection notice, even though I had a credit that was in excess of the amount owed.
same as i have been trying to get worked out, ex wife is upset over her having to pay me child support so her way of getting back is using my info to try and ruin my credit. STOP LETTING IT HAPPEN. 


XXXX Account Number XXXX -- -- -reports late thought its been years since this happened XXXX XXXX XXXX XXXX XXXX Account Number XXXX -- -- -- -- -reports late though its been years since this happened XXXX XXXX Account Number XXXX -- -- -- limit is XXXX XXXX XXXX XXXX XXXX Account Number XXXX -- -- reporting lates from years go XXXX XXXX XXXX XXXX Account Number XXXX -- -- reporting lates from years ago XXXX XXXX Account Number XXXX -- -- -- lates from years ago Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown all of the payment statuses on these are PAID IN FULL XXXX Account Number XXXX -- -- -- -- - no balance
I got divorced in XXXX. Trying to get my name off of my second mortgage without forcing the ex husband to refinance because it would make it to where he could n't afford the house. I have been requesting a release of liability from CitiMortgage since XXXX XXXX, XXXX. I have spent over 20 hours on hold. Been transferred from XXXX department to another and been told conflicting information concerning the release and an assumption. According the federal XXXX XXXX XXXX XXXX XXXX of XXXX a refinance ca n't be forced on XXXX spouse due to a divorce. I believe CitiMortgage should let him assume full responsibility for the mortgage and provide a release of liability to me.