WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX / 2017 , I received an email from my e mployer (   XXXX   XXXX   ) a nd she had a received a voice email from a debt collection company (  XXXX  ). The call stated, '' that they was a legal processor and they were going to send legal documentation to garnish my wages and sue me in court, if I did not respond immediately.     So I called, company na me is ( LP Services Group ) su pposedly based out of California, telephone number  XXXX  or  XXXX .     I called and spoke to a  XXXX   XXXX , he said I owed {$920.00} to a credit card company  (   XXXX   XXXX   ) t hat I did not recognize. I asked, '' if he could send me documentation before I agreed to pay ''. He replied, no not until I made payment arrangements on said (, account #  XXXX   ).  He told me that if I did not pay we could go to court and the amount would go from said amount of {$920.00} to {$4000.00} for court fees and I would have a garnishment of {$400.00} a pay period. I was scared because I had a garnishment before and it almost made me homeless. I now only work  XXXX     and attend   XXXX   XXXX   and to have a garnishment of {$800.00} a month  would be a definite homelessness situation for me.     So, I complied, and I gave them my Credit union debit card information and the agreed amount every month would  be@  XXXX  for the nex t four m onth on the  XXXX  of each month. Well, to my surprise the money was not deducted or has not bee deducted as of today. I call the credit union and told them I think I had be scammed and they closed or cancelled my debit card account and will reissue a new number and card.     I was very vulnerable at the time of call and conversation and I talked to my family and I tried to locate company online and could not. I then went to BBB to locate and too check reviews and could not locate. Then I found another website and saw the different types of scams and realized that I had become a victim
Filed on : XX/XX/XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Filed against : Mr. Cooper XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Complaint Description : ***XXXX XXXX   account # XXXX, acquired my mortgage on XX/XX/XXXX. Mr. Cooper Mortgage account # XXXX, acquired my mortgage on XX/XX/XXXX. Less than thirty ( 30 ) days notice from either party. *** Mr. Cooper acquired my mortgage on XX/XX/XXXX. They are expecting the payment for XX/XX/XXXX which was made to my previous lender. Mr. Cooper ( XXXX XXXX XXXX, XXXX TX XXXX ) acquired my mortgage on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). Mr. Cooper is expecting payment for XX/XX/XXXX which was made to my previous lender ( XXXX  ), payment via US mail on XX/XX/XXXX. Mr. Cooper has made at least eight ( 8 ) emails, a dozen ( 12 ) calls to my cell phone, and today called my employer 's Human Resource Department. I spoke to Mr. Cooper today after they called my employer. Mr. Cooper said that I have a sixty ( 60 ) day grace period for payments made to the previous lender to be transferred. Yet I am being harassed. These are illegal collection calls. I want the collection calls to cease and my credit report to not reflect any late payments. Mr. Cooper is not due a true payment from me until XX/XX/XXXX as payment was made to XXXX for XX/XX/XXXX.
I have received multiple letters and phone calls from Lotane and Associates PA XXXX FL in attempts to collect a debt I settled in XX/XX/2015 for {$1000.00}. I've left messages several times with the office to no avail. I receive a notice every few months, more frequently at times, offering to settle the account. I've got a statement from the firm that the account was paid in full and a copy of my receipt of payment.
I settled the debt with the company and was advised that the debt would reported as paid in full and be reported to the company as paid and they did not report what was promised. I am showing a balance and have contacted the company on several occasions to get this taken care of
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
To whom it may concern : I have attached a letter in the section where it will explain the incident that happened to me. I have file a dispute with your company for because Ive noticed that I had several new inquiries listed on my credit without my consent. I dont understand as to how the inquiries got onto my credit and I havent inquired about no new accounts. I have contacted the FTC to file a complaint and theyre investigating the incident to see if it was inaccurate or fraudulent. It is sad that every second someones identity is being stolen but who to say that the credit bureaus arent doing this purposely? I am clueless and in distress. In the FCRA section 609, it clearly states that accounts or inquiries that arent verified 100 % correctly should be removed because there is no original application or contract that has the consumers signature. Ive contacted the creditors and I havent gotten no response it seems that Im being ignored and the only way to solve this immediately is to file a civil law suit against the creditors and XXXX, Experian, & XXXX. Please read the attached letter correctly.
The following quote was posted on XXXX which is virtually identical to what happened to me in XXXX. BOA also reported this credit card in XXXX as if it was the creditor to four credit reporting agencies. It was not the creditor in XXXX when I paid it off and closed it. See other CFPB complaints by me since XX/XX/XXXX, for details of my experience. Given the XXXX mass fraud scheme that mimics this behavior in my case and XXXX case, there should be an investigation industry-wide. Examining customers ' credit reports may reveal what the banks may try to cover up - as in my case. BOA told me they would mail me XXXX statements - which should reflect the monthly payments - but did not. Acquisitions and reporting are two entirely different things. Acquiring an account that is closed ca n't be listed as accounts receivable with XXXX consecutive payments in a row in XXXX, without some intent to deceive. Here is the quoted post : " ... Share on Facebook ( Opens in new window ) Click to share on Twitter ( Opens in new window ) Click to share on LinkedIn ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX+ ( Opens in new window ) By XXXX XX/XX/XXXX At Bank of America , your accounts are XXXX . As in, undergoing 'eternal return, ' where accounts that have been closed and passed on will reemerge, rejuvenated, reopened, even if you closed them long, long, ago. Reader XXXX writes : IShare on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX+ ( Opens in new window ) By XXXX XX/XX/XXXX At Bank of America , your accounts are XXXX . As in, undergoing " eternal return, '' where accounts that have been closed and passed on will reemerge, rejuvenated, reopened, even if you closed them long, long, ago. Reader XXXX writes : I recently moved to a new home and called Bank of America to notify them of the new address. A few weeks ago, I received a " replacement '' BoA credit card. This confused me greatly, because the only account I have with them is my checking account! On top of that, the card said I was a member since XXXX. That was my first year of college, I only had one card back then, and I was so annoyed by that company ( which was not BoA ), I canceled the card after only a few months. 

Once I finally got in touch with someone useful, we worked out that somewhere in the course of various bank acquisitions, they ended up owning my closed account. So for my convenience, they were kind enough to reopen my closed account. I immediately had them close the account, but I really did not like this experience. The credit account had been closed for almost 10 years, and they reopened it without any direct involvement from me ... '' I think the weblink is supposed to be " consumerist. ''
In XX/XX/XXXX my boyfriend and I purchased my current house. Because of my previous credit history, we were required to do an FHA mortgage product. My boyfriend is a non-occupying borrower. My sister lives at the house with me and pays part of the mortgage payment. 
Early XX/XX/XXXX, my sister and I began conversations with XXXX XXXX at the TCF XXXX office. We wanted to get out of the FHA Mortgage and remove my boyfriend from the note ( keep him on title ) and have my sister on Note and title. On XXXX XXXX, XXXX requested bank statements, last 2 year tax returns, last 2 years W2 's and last XXXX paystubs from my sister and I. We emailed the required documents XXXX XXXX. 
XX/XX/XXXX - First phone call with XXXX XXXX at the TCF XXXX, MN office. XXXX informed me he would be taking over the refinance process we started with XXXX at the XXXX office. During this phone call he informed me it would be best to eliminate my sister from the process. I gave XXXX a credit card number for the appraisal. 
Shortly after the XXXX XXXX phone call, in the mail I received a Notice to Loan Applicant from TCF disclosing my credit score from the report that was pulled on XXXX XXXX. Per the Notice my scores were Equifax XXXX, Experian XXXX and XXXX XXXX XXXX. 
My complaint : After two months of back and forth communication with XXXX XXXX at TCF XXXX, MN office I was declined a refinance mortgage loan for reason of " Bankruptcy ''. It was unnecessary for me to pay the {$400.00} for an appraisal when my credit report, pulled on XX/XX/XXXX, would have clearly shown the previous bankruptcy ( and foreclosure ). If TCF operates under strict guidelines then I should have been denied a mortgage loan immediately. Why did they pull another credit report on XX/XX/XXXX? Why was I asked for additional documents after the date of the denial letter? I was never asked to provide any documentation of the bankruptcy ( discharged XX/XX/XXXX ). The customer service I received from XXXX XXXX was horrendous. I was ignored on many occasions and some of XXXX 's comments were rude and unprofessional. I went into this in good faith and was lead on for over 2 months sending numerous, unnecessary personal documents. I feel this was unethical practices by TCF and their employee, XXXX XXXX.
Our mortgage was transferred from our original signatory agency, XXXX XXXX XXXX, XXXX, South Carolina to Lakeview Lone servicing in or around XX/XX/XXXX. I don't have an exact date because we were never informed, sent any information and most importantly no bills were delivered either via traditional mail or electronic means. 

During this time I was XXXX on a detachment with the XXXX XXXX. My wife was at home tending to the bills. After attempting numerous calls, none of which reached an actual person, she was unable to contact the company for well through XX/XX/XXXX. During this time, we also did not receive any paper bills, the first one finally arriving in XX/XX/XXXX. When I returned, we were finally able to get a hold of person ( after multiple days of trying ), and pay our entire overdue balance and the first contact with the company. Despite this, the company still reported to the credit bureau that we missed two mortgage payments. It should also be noted that we were never notified via phone call, text, e-mail or letter that we were in default during this period. They simply reported the missed payments without any notification to us what-so-ever. 

I have never been in default of a payment with any credit agency before or since this interaction with this company. Because of their actions, my credit was negatively impacted enormously, something I have maintained for years. 

I humbly request the assistance of the CFPB to have this blemish removed from my credit report. As a military member, I have to move quite often and this will very negatively affect my interest rates in the future. 

Thank you very much in advance. 

-XXXX
I sent a notice to correct an error on or about XXXX XXXX, XXXX. Ocwen sent 2 separate letters stating that they would investigate and provide documents. Ocwen has failed to respond to the notice but have had counsel, its office of the Ombudsman and customer care inform me that the sale will proceed on XXXX XXXX, XXXX without any documents presented that no errors occurred. Documents showing that I have asked Ocwen for a response as early as this morning is attached. The attachment also supports that there are in fact errors that were made. 




MailBoxes Inbox ( XXXX ) Drafts ( XXXX ) Sent Spam ( XXXX ) [ Empty ] Trash [ Empty ] My Folders [ Edit ] Previous Next XXXX ' XXXX XXXX 's unbelievable how different your daily life can be with the addition of some smart tools. Free your mind to focus on the really important things. 
Notice to Correct Error Loan number XXXX Thursday, XXXX XXXX, XXXX XXXX AM XXXX as Unread From : " XXXX XXXX '' XXXXXXXXXXXX To : XXXXXXXXXXXX Full Headers Printable View XXXX XXXX XXXXDownload All PDFnccob response XXXX XXXX RE : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NC XXXX Dear Sir/Madam : This email is being sent in response to your counsel at XXXX notification that the property will be sold at a foreclosure auction on XXXX XXXX, XXXX. 

Please be reminded that your office received a Notice to Correct an Error ( RESPA ) on or about XXXX XXXX, XXXX via electronic services. 

Your office has not responded to the error wherein your predecessor initiated the foreclosure before mailing the 45 day pre-foreclosure letter. In support of this failure to respond and as a means to show proof that actual errors occurred, I am attaching documents that are evidence of your errors. 

Please be advised that a formal complaint will be filed in Federal Court as a result of your inaction on the Notice to Correct the Error. 

A new complaint will be launched with the Consumer Financial Protection Bureau. 

Regards,
Applied for mortgage with BB & T Bank XX/XX/XXXX. The day I applied 2 credit reports were pulled within an 1 1/2 hrs of each other by XXXX XXXX on behalf of BB & T. Because of negligence on behalf on BB & T employees this mortgage took 6 months to close. Closing date was XX/XX/XXXX. DuringXX/XX/XXXX BB & T has another report pulled by XXXX XXXX. As stated I closed my loan on XX/XX/XXXX. Ninety days after I closed on my mortgage another credit report was pulled by XXXX XXXX on behalf of BB & T. I contacted the President Line at BB & T Corp. I have conversed on numerous occasions with XXXX XXXX. I first notified BB & T on XX/XX/XXXX when I became aware of the problem. I began conversations with XXXX XXXX  on XX/XX/XXXX. No one at BB & T can give explanation as to why my credit was pulled without authorization in XX/XX/XXXXconsidering my business was concluded on XX/XX/XXXX and they had no valid written or verbal authorization. This is in direct violation of the Fair Credit Reporting Act which carries automatic {$1000.00} penalty with no proof of damage needed. As discussed with XXXX XXXX when approved for my mortgage my credit score was XXXX. All my accounts have been paid on time no delinquencies yet my credit score has dropped 45 points. Two reporting agencies are showing 4 hard pulls and 1 agency is showing 3. Normally, a mortgage should only show maybe 2. I have given BB & T 70+ days to correct there errors to no avail.
We are trying to sell our trailer that is in XXXX XXXX homes which is part of XXXX community. We have XXXX buyers interested in purchasing our home however when going through 21st Mortgage Company they required a {$20000.00} down payment however, they went and applied through the XXXX XXXX community and was approved on the spot with less money down on a new home and used home. We have been trying to sell our home since XXXX on our own thru a realtor and XXXX XXXX wants 10 % in order for us to sell our home thru them which is completely unfair because getting outside financing for anyone almost seems impossible. These XXXX companies are making it extremely difficult for us to sell our trailer on our own and we almost feel forced to sell thru XXXX XXXX or we wo n't be able to sell it at all.
After I opened master card I used it only few times and then paid it off. I received bill six months later stating with a credit limit of {$300.00} I had a balance of {$500.00}. I disputed transactions and said that I am not able to find card and that I didn't use it for six month. 
After a month they send me exactly the same bill. Considering that I don't have access online this makes the whole process very difficult.
I have not received promotional points which were promised by Citibank by signing up for their citigold bank account. I have message from their service representatives promising that it would be deposited by XXXX. However that has clearly not happened and their customer service representatives have not been able to help over the phone or on the web.
My XXXX Federal Student Loans were with Direct Student Loans before Navient took them over in XX/XX/XXXX to " service '' them. a yr and a half later all XXXX of my student loan accounts that Navient were servicing were set to {$0.00} on all 3 of my credit reports. On XX/XX/XXXX i sent Navient Corp. a " Request for Statement of Accounts '' " UCC 9-210 '' for the XXXX original account numbers that they were " servicing '' for Direct Loans and up to this point they 've have n't responded. Certified Postal Service Mail XXXX
This item was removed for XXXX and XXXX but XXXX will not delete this incorrect collection from my report UNITED REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I leased a vehicle through Ally Financial. Immediately upon leasing the vehicle I turned on the auto pay feature through Ally 's website to play the bill in full every month, Subsequent to that, the sales tax increased, increasing the amount due on the bill. However, Ally never informed me of the increase nor changed the amount the automatic payment feature offered by their website paid. So now, a year and a half later when I am getting ready to turn the vehicle in, I am finally informed that their is a past due balance. Ally will not give me any information on any penalties or interest charge to me due to this error in how there system is set up nor will they provide an answer on if this has impacted my credit scores.
on XX/XX/XXXX at XXXX XXXX, i filled a complaint ( complaint # XXXX ) against XXXX store card - GE because they intentionally failed to send me monthly statements for the past 12 months in order to charge me monthly late fees. 
In response to my complaint, Mrs XXXX XXXX, On behalf of XXXX XXXX intentionally misrepresent facts by stating that " on XX/XX/XXXX, you enrolled at the time of application in our eBill program to receive electronic billing statements. '' This claim is completely false because I have never enrolled in the eBill system and Mrs XXXX did not provide any material proof or fact to corroborate that I did enroll in an eBill system on XX/XX/XXXX. 

Further Mrs XXXX also stated " On XX/XX/XXXX, You changed your statement delivery option to receive paper statements. '' This claim is also completely false and absurd since I requested my account to be close on XX/XX/XXXX and sent a complaint to CFPB on XX/XX/XXXX advising them I requested my account to be close effective XX/XX/XXXX. 
How can I make change to an account that that has been already close? 
The records about my login activity will clearly show no activity on XX/XX/XXXX and our conversation was recorded on XX/XX/XXXX. 

There is a clear pattern of willful and intentionally misrepresentations about the method of statements delivery by Mrs XXXX on the behalf on XXXX XXXX and this clearly amount to Fraud by XXXX XXXX. 

Therefore, I am requesting the refund of {$350.00} for all the fraudulent lates fees that synchrony bank charged me during XXXX and a formal investigation by CFPB of XXXXXXXX XXXX activities regarding fees charged to consumers.
I was issued XXXX loans by XXXX University from Genesis Lending. While in school interest and payments were requested of me. I was unaware of this loan being a private loan and therefore could not consolidate it. I was not notified that these loans were sold to some other company that is requiring immediate payment. I can not pay {$740.00} a month for XXXX XXXX and then {$240.00} on another XXXX. Why was I not informed of these changes and why ca n't get some relief from this company? The school DID NOT inform me of what or where these loans were coming from.
I have a Bitcoin account with Coinbase. Within that account, I have a " Coinbase Vault '' with XXXX BTC in it, worth {$86000.00} at the time I am writing this CFBP complaint. 

I initiated a transfer on XX/XX/XXXX from the " Vault '' to one of my Bitcoin wallets, " Spending Wallet. '' That transfer is requesting a verification from a second e-mail that I no longer have access to, a previous work e-mail address. It has been locked for the last two weeks. 

I have attempted to contact Coinbase to resolve the locked funds in multiple ways : - On XX/XX/XXXX I submitted Coinbase Helpdesk ticket XXXX. See attached PDF. I have replied multiple times but I have received no response. 
- On XX/XX/XXXX I sent an e-mail to XXXX. See attached PDF. I have received no response. 
- On XX/XX/XXXX, I spoke with a Coinbase Representative through their ( XXXX ) XXXX number that stated he 'd have an expert assist me and that I would receive an e-mail shortly, but that never occured. 
- On XX/XX/XXXX through the XX/XX/XXXX I sent multiple XXXX " Private Messages '' to official Coinbase XXXX users. See attached PDF.
I had a XXXX XXXX debit checking account for several years, last able to be used around 2016. As their app provides instant notifications, I noticed a fraudulent attempt to transfer money out of my account. I immediately notified XXXX who was able to stop the transfer out of my account. To prevent this from happening again, they said they had to close my account ( rather than just issue a new card/number ). My account was closed and I received a check for the balance. My problem is the bank will not open a new account and continues to tell me it is a technical problem that's being worked on. It has been two years and I would appreciate the opportunity to bank with them again as I like the service they offer ( budgeting app on phone ). In this day and age, I refuse to believe that someone can not override or reset my information and allow me to apply successfully again. I've seen others who had the same experience after reporting fraudulent transactions. I don't know anyone who hasn't experienced some sort of fraudulent/incorrect transaction at one point or another, so I would imagine eventually the bank will cease to exist as they will have closed everyone 's accounts. Somethings not right here or someone isn't disclosing their true business practice.
I financed a car in 2011 a brand new XXXX and it was under warranty the car then had a factory issue and was returned to XXXX. The finance company Summit Financial was to be refunded for the remaining loan amount once the car was sold at the auction. Now 6 years later the finance company is reporting negatively to my credit file on Friday XX/XX/XXXX the balance was XXXX when I spoke with them and tried to come to an agreement or resolution the where very rude and seemed to care less even though they are not reporting correctly. As soon as we hung up the phone they turned around and changed the balance to XXXX and reported to transunion that I owed this crazy amount that is not true or legal. I called them back and asked them to correct it but they said they do not care and they are illegally reporting inaccurate information