WillisBack/dataset-financial-user-claim huggingface dataset:
Reference ID : XXXX. Its been over 180 days. I tried adding my bank but it would n't allow me. I tried requesting a check, but it would n't allow me. It seems like system is having difficulties verifying my phone number. I have {$390.00} in my account.
OnXX/XX/2018 this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Many years ago I had a payday loan online, it was paid many years ago ( four or five years ago ) and a company claiming to be collecting a debt has been calling my phone, and my family 's phone relentlessly. When I picked up, I informed the person calling that I had no unresolved or outstanding debts yet they continue to call me and my family. When I researched the number that was calling there were many webpages stating that this was a phishing scam, in which companies take your social security number from old aggregate/loan sites and claim you owe money that they can extort by making all of these awful phone calls. I have contacted the XXXX, the federal trade commission, the attorney general of my state and now the cfpb. I will continue filing complaints until the receive the proper cease and assist and follow up with legal action if necessary.
Received letter stating " Important second notice '' offering to settle {$16000.00} for {$8000.00} at {$240.00} per month for 36 months. Call XXXX to accept this offer. I have no such debt.
cra and hippa violation taking more than 30 days inaccurate information sent the po report too many to count the XXXX breach has cost me my life they are taking more than 30 days not 100 % correct
I was recently informed by my loan servicer, OCWEN Loan Servicing LLC, that my monthly mortgage payment was increasing from {$2300.00} to {$2600.00}. Having known that my property taxes and insurance was not increasing, I was very surprised to hear this. I have been told, by OCWEN, that the significant increase resulted from a recent escrow analysis they performed during the summer. After further investigation of my escrow account history, I discovered a mysterious charge to my escrow account in XX/XX/XXXX. On XX/XX/XXXX, OCWEN reduced my escrow balance by {$2800.00} - for no apparent reason. Further, my suspense account balance was also reduced by {$3700.00} within the same line item ( despite the suspense balance application column being null ). This transaction is described as " escrow account adjustment '' in the account history. Notably, this transaction is alternatively described as " New Loan Setup Balances '' in a legal document OCWEN filed with the trustee of my Chapter XXXX plan. OCWEN representatives have suggested the account adjustment occurred as a result of " acquiring the loan. '' However, I have had OCWEN since at least XX/XX/XXXX. I filed for Chapter XXXX in XX/XX/XXXX. At that time, they filed a claim with the court which suggested my escrow account contained a surplus. In XX/XX/XXXX, OCWEN again reported to the court that my escrow account had a surplus but needed to increase my monthly payment to {$2300.00}. So, after pointing out to an OCWEN representative that they did not " acquire '' my loan in XX/XX/XXXX, they clarified that the loan was actually migrated from a different system within OCWEN called Rescap. As a result, they do not seem to have any of my account history prior to XX/XX/XXXX. Even worse, the account history available via their website ( which I am attaching ), raises additional concerns and questions. I am very concerned with their accounting. I have already suffered financially as a result of their inability to properly account. In XX/XX/XXXX, OCWEN failed to properly account for my payment. As a result, they filed an erroneous claim with the bankruptcy court suggesting I failed to make my monthly payment, and requesting that my plan be dismissed. While it was proven that I did in fact make the payment, it is my understanding that they have attempted to add the related legal fees from this filing to their claim with the court. 
I need a resolution to this escrow account situation. I have made my monthly payment on time throughout this process. Considering the immaterial changes to my property taxes, there is no justifiable reason to increase my monthly payment by such a large amount. OCWEN needs to provide a proper explanation and accounting for the erroneous adjustments they made to my escrow and suspense accounts on XX/XX/XXXX. Further, there are multiple transactions in my account history that need further explanations of all fees applied to my account and a correction of all inaccuracies. Please know that I have done my research on this issue and confident that these account adjustments are not justified.
My mortgage is with Select Port Folio I have attempted to modify my mortgage several times. I want to keep my home I want to modify this mortgage. There is a foreclosure saledate set for XXXX, 2015. Please assist me with saving my home. My husband and I divorced and I was awarded the house though the divorce.
I signed up for American Express Platinum credit card in late 2016 and was given the points bonus of XXXX membership rewards in XX/XX/XXXX when I completed the sign up requirements in the allotted time. I had points in the account already that put me at a total of about XXXX points currently ( as of today, XX/XX/XXXX ). I have had the points at my disposal since then however I went to use them today XX/XX/XXXX and was told by their system " your account is under review and you can not use the points ''. I contacted Membership Rewards as directed and all they could tell me is that some returns during the initial bonus time frame caused my account to go under review. I was never notified of this review. The points were in my account but unusable, for 3+ months. All American Express told me is that they will escalate it and ca n't guarantee any response time frame but if I do n't hear back within 10 business days, to call back. And they would not give me a reference or ticket # or anything, they simply said my account will be noted. All I have is the supervisor 's name and badge # I spoke with. Now that I need to use the points I can not and I have an upcoming trip I had saved them for. This needs resolution as soon as possible.
My commander was contacted on several occasions due to payments I made late on my exchange credit program ( ECP ) card. As your site says below, this is illegal, yet it is right on the ECP 's page of frequently asked questions payment questions. I understand that this matter is right in their terms and conditions, however, if this matter is truly illegal, there should n't be any " wiggle room '' in the matter.
XXXX was told to remove info. they passed the buck onto experian. experian refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED. 

EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM. 

NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ). 

I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.
I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized credit inquiry listed on my XXXX and Experian credit report that do n't belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/2017
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine
We received an FHA loan from XXXX in XX/XX/XXXX, which has fallen into foreclosure. The loan was transferred to XXXX XXXX XXXX ; we applied for loan modification at least five times with XXXX. Each time, the bank indicated we requested the modification to be stopped, we did n't supply sufficient data, we were n't available, we did n't engage in the process ; none of which was true. InXX/XX/XXXX, XXXX XXXX XXXX  set sale date for our property - which was cancelled the morning of. XXXX XXXX XXXX  representative stated she wanted to help us salvage our home, and assisted us in filling out the final HAMP packet - then the loan was transferred to Carrington Mortgage Company.
We discovered the value on of our loan was based on a fraudulent property appraisal initially issued through XXXX. This issue was perpetuated by XXXX XXXX XXXX, and came to rest with Carrington Mortgage Company.
IN XX/XX/XXXX we hired an attorney. The attorney met with representative from Carrington for several months, until suddenly, they were no longer representing CMS - this was XXXX XXXX. A new law firm was, XXXX XXXX XXXX, whom we met with in ongoing measure over the course of nearly a year, then suddenly, this law firm was no longer representing CMS. Currently, XXXX XXXX XXXX is representing their interests - we have emailed XXXX XXXX repeatedly with no response and sent notification of debt dispute within thirty days of service, XX/XX/XXXX.
The sale is still set to take place on XX/XX/XXXXat XXXX XXXX, despite no communication from the attorney or CMS. It is worth mentioning, CMS has never contacted us directly, aside from leaving blank door tags on our door, and once, inside of our residence.
We have offered to do a deed in lieu of foreclosure, a short sale, a loan modification, even a buyout - CMS refuses to work toward any common ground. We feel strongly they wish to rid themselves on the ongoing bad debt, collect their FHA insurance, and attempt to resell the property - however, due to the false appraisal, the residence encroaches upon neighboring property and will result in additional litigation. Further, the home has no rear yard, no access to the rear yard, and as a recent survey disclosed, side yard property lines that violate local building code.
While we are willing to work with the CMS, we ca n't dismiss that property was fraudulently appraised.
XXXX XXXX XXXX  repeatedly used deceptive practices to avoid issuing a loan modification when the balance was reasonable.
CMS continuously switches representation, likely in an effort to force their will to sell. However, in doing so, I am being deprived of my rights, as I do not believe I owe this debt as it never should have accrued to this point, and has only done so at the evil hands of XXXX XXXX XXXX Lastly, as I have been in " pre foreclosure '' for a number of years, they have robbed me of my ability to refinance the land or any portion thereof. Naturally, their error/deliberate and misleading appraisal did n't help ; the loan is completely upside down.
This system was designed to fail the folks at the bottom.
I have a mortgage through Platinum Home Mortgage. I purchased the home XXXX/XXXX/12. I have had nothing but screw ups with them. My payment has gone up and down so many times. My son and his wife, daughter and her husband have the same type of loan with NO problems. I am at a fixed rate of 3.375 % and the beginning loan amount was {$110000.00}
cra violation sent infomation in over XXXX hippa destroyed my life no one is helping me
I could n't afford the high payments and due to the interest building up along with late fees continuing to pile up, my student loan amount dramatically increased. I was not given any information about repayment options to help me and when I called them and tried to lower the payments, I was put on hold for a long time and transferred to many different customer service representatives who all did n't know if they were allowed to lower my bills, or told me that what I was paying is the lowest repayment option that they offer. Now my student loan amount is too high and the payment amount is still unaffordable. It is very difficult to find a job that that pays me enough to afford my student loans and live on.
I am unable to purchase my Equifax credit report through any means. Can not obtain credit report directly from Equifax website, any external website such as XXXX, or XXXX. All keep giving an error that Equifax has blocked access to my credit file. When I spoke to the Equifax Rep they advised me the reason was because my " file was too large '' and I had " too many soft inquiries '' and I needed to wait for them to fall off for me to access my credit report. I have never had this issue with any of the other credit reporting agencies. Supervisors are clueless as to why I ca n't pull my report.
I went into Best Buy to look for a new Television. When I was helped during my purchase, I was offered a Best Buy Credit Card. This sounded great having 0 interest for so many months. I made payments, sometimes not on time, but was told that they don't need to be on time as long as the amount is paid by the end of the promotional 0 interest term. So by the time that ended, my amount had grown, it seemed I was not making a dent in my original bill. So, I contacted Best Buy and was told that I had an insurance that was being charged to my card. I asked what this was for, I had never been talked to about this nor explained what this was. The kid who helped me with my original purchase, in my mind, should not have been in charge of signing someone up for something they can't explain in full. So, basically, from what I understand, my payments were being chopped down by this " unknown charge '' for insurance and never allowed me to pay off my debt. I know that I have paid over the amount I owe for my original purchase in total. This goes against federal regulation as being unfair/deceptive business practices and I know I am one of many across the country affected by them. I last contacted BestBuy almost 2 years ago over this matter and have not heard or received anything from them in the mail since. My wife and I are in the market for a new home and when I ran my credit, we found out I have a huge ding in my score due to this Best Buy credit card! Needless to say, there are no words to the frustration we have toward this! 

links to posted complaints : 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
I have case number with CFPB already ( XXXX ) and I still waiting for a resolution. My complaint is with Nationstar Mortgage in XXXX, Tx. They are now giving me less than 30 days to pay a payment of {$770.00}, which is for the remaining escrow payment they never informed me about until they sent me certified letters threatening foreclosure on my home back in XXXX 2015. I paid back half of what I owed from that time which was {$1100.00} but they refuse to work with me and continue to tell me wrong information. Such as. I setup a repayment plan in XXXX to pay back money they did not disclose to me. In XXXX. I asked for a month extension only to be told I was never approved to do a repayment plan. I am a senior citizen and have lived in this home for 39 years. I am on a fixed budget and can not come up with fund at a drop of a hat. Nationstar continues to take no ownership in this problem. I assume that if I do not pay the {$770.00} by XXXX XXXX they will again start foreclosure on my home. I need help to save my home. Thank you, XXXX XXXX
I have two credit cards through Chase. Chase recently redesigned their website and now I am experiencing difficulty in making payments. I was able to schedule a payment for one credit card, but for the other card the website will not let me make any entries for method of payment, date of payment, or payment amount. I have sent several messages to Chase about this problem but each time they respond by saying they appreciate my concern but I am still required to make at least a minimum payment or I will be penalized with a late fee. I have asked them, again, several times how I am supposed to do that since their online payment portal does not work. I am stationed overseas so sending a check ( which I ca n't since I do not have a checkbook here ) by mail will get there very late. I have been a Chase customer for over 15 years and have never missed or been late on a payment.
On XX/XX/XXXX I loaded my card through XXXX XXXX for the amount of XXXX dollars. I have never received the money from card.com. I have have called both XXXX XXXX and card.com and the issue has not been resolved. I do have a tracking number and verification that the money has been received to card.com from XXXX XXXX, they still will not refund or explain where my money is. They continue to tell me in 48 hours I will have a resolution and it's been sent to escalations but absolutely no follow ups and my money is still missing. I just want my money back.
Applied as a first time home buyer. Trusted lender to evaluate amount of mortgage payment I could afford. Lender underestimated closing costs by {$2000.00}. Corrected costs after too late to cancel contract on home purchase. Also found out after too late to cancel and get refund of earnest money that lender qualified me for a home mortgage loan at 55 % of my take home pay, after simple costs of utilities, car insurance, I would have left {$200.00} for all living expenses, food, clothing, gas to get to and from work. Lender admitted by phone that he made errors and would submit a retraction of my loan approval but did the retraction in a way so that I can not get my earnest money back. Lender did not tell me payment amount until after cancellation time had passed. The Administrator of the Real Estate Company I was working with, XXXX XXXX XXXX, called the lender. The Manager of the firm told her they were not working on a loan for me because they did not have a signed loan application. She inquired if that meant they were not working on a loan for me, they responded they were only gathering information yet they have not filed proper paperwork admitting they made a mistake qualifying me so that I can get the earnest money returned.
I am of XXXX ethnicity, but was born in the US. I have been accepted into a XXXX in TN. I will be making XXXX/year the first year. I applied for a mortgage from Bancorp South for {$230000.00} in XXXX for a house in XXXX. I was originally told I would be able to get a {$250000.00} loan so I stayed in the budget. The underwriter required me to have documents re : my repayment plan for my loans XX/XX/XXXX. I was not due yet, but I applied for a loan consolidation and got an estimate that I would be paying XXXX $ / month. I submitted this information to the underwriter XXXX XXXX and the underwriter required more information. I had planned on the REPAYE plan which is an income based repayment. When I received my loan summary, the underwriter said they needed a specific document indicating how much I would have to repay per month. I then contacted the loan company and they tried to expedite my income based repayment application. As soon as it was completed, I sent it to the bank representative who sent it to the underwriter. The underwriter finally commented that because it is an income based repayment plan that could change as my income increases, they can not give me the loan. I have been living in a motel for 1.5 weeks waiting for the mortgage in order to close the sale of my house. My daughter started school in the XXXX district. I have had to start work living in a hotel. When we speak to the bank representative and the real estate agent, they are flabbergasted. They have never heard of an underwriter doing this. It does not make any sense. The bank representative is appealing this decision. In the meantime, we are a displaced family, living in a hotel which is not financially sustainable for us.
I submitted a payment of {$440.00} to Navient on XX/XX/18. Despite having debited my checking account for the payment, Navient 's systems are not reflecting this payment.
Atlantic Credit and Finance calls my personal phone multiple times per day. They started calling my husband, now calling my job. I have asked them to no longer contact my job and family. They also leave messages on the voicemail claiming they are a debt collector trying to collect a debt from me. I have spoken to them and they have started telling me if I do n't pay, the will take legal action and that my case is being turned over to a lawyer. I have asked for proof via mail and to only contact me via email or mail. They still call my family, my job, and myself. I have explained to them the reason I quit paying the original debt is because I have become very ill and have medical bills from XXXX and such XXXX. They still say I need to pay or I will be turned over to a lawyer.
THIS IS NOT the same case #. SEND TO CEO of CFPB, now..1st, and importantly "I NEVER asked for a $XXXX (XXXX XXXX XXXX XXXX XXXX-JOKE) to settle, $XXXX(XXXX XXXX XXXX XXXX dollar including Predatory lending.  
I sent all case numbers to CFPB and once again CFPB went back to Bank Of America (which IS the LAST who purchased the "LOST/Damaged,etc, Loan, I was never given or seen Chain of  TITLE from BOA Ever given to me and BOA still did not furnish the title. 
 BOA still claims they did everything right BUT according to the Judgement. That judge  didn't know of lost mortgage,etc. nor knowing my husband (XXXX since 2004,no probate) which means I NEVER OWNED IT,dollar rights were in my husbands name and it NEVER went to Probate,was told by XXXX wasn't need'd!  My loans were sold down to BOA DAMAGED and Falsely foreclosed on due to constant Selling down to the CURRANT buyer, BOA. BOA  believe's they WON the case cause using FALSE documents,fancy legal terms (smooth talking to judge)  My attorney  wasn't aware of the " DAMAGED LOAN"  that was bought by BOA,it was my discovery So BOA feels they won this case (i'm sure many other's and put me through XXXX and still INSULT me by suggesting I WOULD LIKE $XXXX !! Look at all papers,and recent CFPD article stating the wrong doings. I will end with this,all damages( including, punitive damages) I Will close this case with $XXXX.  *NOT $XXXX* I will have no option but to re-open the case if necessary and have it taken to Higher court due to BOA is Insulting my knowledge and intelligence due to not know the "legal terminology(so they think)  -I WILL NO STOP until I GET JUSTICE of BOA wrong doings