WillisBack/dataset-financial-user-claim huggingface dataset:
We fell behind on our mortgage payments but caught them up. After which we paid our XXXX mortgage payment on XXXX XXXX. Instead of crediting the mortgage payment the company held the mortgage payment in suspense. When I called to find out why, the representative stated that my mortgage was 60 days late and asked if I was calling to correct the issue. I told him that he was incorrect and explained the reason for my call. He refused to discuss the XXXX payment. He stated that instead he needed to verify my ability to make mortgage payments moving forward. I explained again that my mortgage was not behind and had been credited correctly reflecting this fact through XXXX. I was not calling to make a payment arrangement, or get a loan modification, I was calling to find out why the XXXX payment was not credited and is sitting in suspense. He refused to provide this information. I prepared and sent a request in writing.
I requested Equifax provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.
Carrington bought my mortgage from XXXX in XXXX, and I have called them at least 10 times at about 15 minutes per call, sent XXXX faxes, and contacted them through USPS. 1. I was told it would be 60 days before it would be reported to credit agencies, but it took 120 days. This negatively impacted my credit score. 2. My monthly payment increased by {$40.00} because Carrington decided that two months ' mortgage - instead of the usual XXXX - is now required for escrow. 3. I was charged {$15.00} for an unauthorized appraisal. 4. Although I canceled my auto draft the week before the due date and paid my mortgage online for XXXX, my auto draft bank account was still charged ; additionally, I was penalized with a {$30.00} non-sufficient funds fee. I was told that my new auto draft account would be active in XXXX, but the old ( now closed ) account was charged on XXXX XXXX, and yet another {$30.00} NSF fee was accrued to my payment. 5. As a result, I can no longer use the auto-draft, online payment, or pay by phone features because of these careless oversights. 6. I received a paper statement in the mail saying that I owed {$36.00} by XXXX XXXX, so I sent payment with the coupon - only to have it returned and certified funds requested. My paper statement for XXXX says I owe {$830.00}. 7. Over the phone, the automated system says both that payment was processed on XXXX XXXX and that I owe {$800.00} for XXXX. XXXX. On the website, it claims payment was received on XXXX XXXX, that my next payment of {$880.00} is due on XXXX, and I am now being charged a late fee without sufficient notice to submit my funds in a timely manner. 9. I am now required to send my mortgage via certified funds for the next six months. 10. When contacting Carrington, the automated system names the company as a debt collections agency, NOT as a mortgage company
Midland Credit ( from looking up the number online, ) has called us 7+ times in the last couple of days, and wh en I finally answered the phone, they asked for some guy named "  XXXX   XXXX   ,  '' whom we have never even heard of, and have had this phone number for  ~17 year s. I had to argue with them that they had the wrong number, and they kept trying to get me to tell them my name!
In review of myXXXX Credit Report there is a listing that Diversified Consultants inquired into my credit for the purpose of Collections.There is no associated debt nor are there any remarks indicating who the client/account that is in collection status. Listing on the report as follows : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Permissible Purpose : COLLECTION I contacted them twice on XX/XX/XXXX. After providing my SSN and explaining that I wanted to know why they were making an inquire on my account for collection, the first representative explained that they don't have a record of me and hung up. The second representative stated that Diversified Consultants provide 'personal services ' and then hung up.

In both cases, neither representative could identify why the inquiry for collections was made. I am submitting this complaint to prevent further action from Diversified Consultants until I know why they are making these inquires.
Hello Im a XXXX XXXX and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. Godbless XXXX XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX  Reported : XX/XX/2018 {$16000.00} Closed XXXX XXXX XXXX XXXX  Reported : XX/XX/2018 {$20000.00} Closed
I received notice of the debt from my credit report and when I contacted the agency, I was told they could not provide me with am itemized statement of the debt or proof of me signing a HIPAA form allowing my information to be transferred to them - a third party company.
XXXX XXXX Balance {$13000.00} Opened On XX/XX/XXXX XXXX XXXX, XXXX. 
Balance {$250.00} Opened On XX/XX/XXXX XXXX XXXX Balance {$38000.00} Opened On XX/XX/XXXX XXXX XXXX Balance {$23000.00} Opened On XX/XX/XXXX XXXX ACCOUNT XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$930.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Open XXXX XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX   XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$670.00}
I have the credit inquiries below I did n't authorize dealer to submit to these banks. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX , AZ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX I XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX & XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX  XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX  XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX
We have a client in distress we have submitted XXXX offers to the bank we call in every week to check on the status the negotiators " are n't available '' we get have answers and are not properly informed of what is needed on the file. Everytime we send in a document the have XXXX days to review the document and if they need something further they mail the request to an empty house instead of reaching out to the attorney and individual in our office handling the file or heaven forbid telling our office what they need when we call in. We have lost XXXX buyers and about to lose a XXXX buyer because of delays and lack of ability for SPS to move forward appropriately and work with us on getting this file completed. They have no concern for the homeowner and not desire to work with the seller in getting this completed. They wo n't fax a request, call us or email us. They send their request to an empty house.
I received a preapproved credit card application in the mail from Discover Card. I am currently attempting to rebuild my credit at this time. I filled out the application and awaited a response from Discover Card. I received a denial letter in the mail today, they discover card cited collection. Charge off or judgment for reasons of denial.
Judgement in NY against XXXX XXXX for {$1400.00} by XXXX XXXX XXXX, XXXX in XX/XX/2013. 

I believe that this violates CFPB Admistratuve PrAlso, the judgement from 2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can close. 

Also, the judgement from 2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can proceed This came up during a refi and not in a credit report this week during a title search. I have no knowledge if this judgement and have had several where this judgement never appeared. 

Please remove and or show proof of service. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Al XXXX XXXX XXXX
I have never taking out a student loan with this private lender. This account appears to be fraud and I have no knowledge of how this account appeared on report.
Based on the Fair Credit Reporting Act, Section 1681c as it relates to dismissed or withdrawn bankruptcies, the law clearly states from " date of adjudication '' or " date of order for relief ''. 
A bankruptcy dismissed or withdrawn no longer exists and the case filed was never adjudicated. Accordingly, Section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act states the bankruptcy reference must be deleted from my credit report. I referenced the law in my letter to the credit bureau and they have refused to remove items from my credit report.
The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus XXXX, XXXX, & equifax on 3 different occasions XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
These are the following accounts TransWorld Systems Inc/XXXX XXXX # XXXX TransWorld Systems Inc/XXXX XXXX # XXXX
I filed a complaint about Santander consumer and received a letter back on XX/XX/2018 that they would delete the TradeLine from 4 bureaus. 
All bureaus has deleted the TradeLine except XXXX, in the letter it states give it 30 days to update on the credit report it is XX/XX/XXXX and the TradeLine is still on XXXX. I have sent XXXX the same document Santander sent the CFPB, but instead they opened up a dispute and Santander has came back and updated the TradeLine.

I have called Santander and XXXX   multiple times to get this situation resolved but neither will give me an explanation.

This TradeLine has to be deleted immediately it has hurt my ability to purchase a car.
I have attempted on 3 occasions to have Equifax and the debt collection agency to accurately report the account information. My chapter XXXX bankruptcy was discharged on XX/XX/XXXX and I have two collection accounts still reporting as open with a balance. This creditor was included in the bankruptcy filing, however they did not file a claim. I have sent a letter to collection agency requesting that they report it as closed/charged off and two disputes with Equifax to correct the error. After my first dispute filed on XX/XX/XXXX, completed on XX/XX/XXXX the account was corrected to a {$0.00} balance but still reporting as open. I filed another dispute on XX/XX/XXXX and shows it was completed the same day, now the accounts show the balance again and are still reporting as open. These same accounts have been reported as open with a balance since my bankruptcy plan was confirmed in XXXX of XXXX. The collection agency reports every month so that it refreshes the timer, essentially so they can damage my report for more than 7 years. These accounts are no longer able to be collected. While they do not contact me in an attempt to collect the debt, the inaccurate reporting is hindering my ability to effectively rebuild my credit.
This is reference to the letter from Wells Fargo Home Mortgage. letter dated XX/XX/XXXX the following : 1. Improper foreclosure notice I never received a foreclosure notification for XX/XX/XXXX to XX/XX/XXXX. The foreclosure laws was not adhere to. 

On XX/XX/XXXX, a XXXX XXXX XXXX XXXX, XXXX as nominee for loan link financial services instrument no. XXXX was filed. I received several letters and was able to get the home out of foreclosure. However, from XX/XX/XXXX to XX/XX/XXXX when XXXX XXXX, XXXX, CA XXXX Loan # XXXX. 

Therefore, you did not answer the question of what was I notified that the house was in foreclosure. 

Moreover, on your letter dated XX/XX/XXXX you stated that in the Foreclosure action, " ... account should not have been referred to foreclosure at that time due to the payment posting issues and the bankruptcy which was filed on XX/XX/XXXX. Had the payments been posted as you requested, and had there not been a bankruptcy filing the account MAY have EVENTUALLY gone into foreclosure at a letter date. 

You were in direct violation of the United States Bankruptcy Code. In addition, you committed forgery by crossing off my father 's account number for payments and placing my mortgage account number instead. Thus, instituting a Forced Foreclosure. 

2. Payments applied to incorrect property : Wells Fargo Bank responded is an out right lie and fabrication, because from XX/XX/XXXX and XX/XX/XXXX, mortgage payments were being paid with bill pay via XXXX XXXX XXXX XXXX. This problem did not exist. 

3. Fraudulently Changed account numbers I contend that you were orchestrated a Force Foreclosure without notifying me. Moreover, Wells Fargo commented fraud by changing the account numbers on my mortgage payments. 

All documents have been scan into my last complaint for your reference.
I was out to dinner, and was charged the incorrect amount on  XXXX / XXXX /2017, of {$62.00}. I called my creditor at the beginning of  XXXX , and they told me that they would refer me over to the dispute department. they did not do that. They sent it to the fraud department, and then about 1 week later, I called in, regarding a notice that I got sent that said that I was being held responsible for the charge, that it was valid. I called in and asked what they had found that had made the charge valid, and that was when they said that it went to the fraud department, not the dispute department. I asked them to show me how they figured that the charge was valid, and they did not have an answer. I checked my account, and the charge, has been put back on the account.
XXXX   XXXX   XXXX   XXXX   XXXX   has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of LVNV Funding ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/XXXX I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or aroundXX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/XXXX I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.
Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.
Bayview Loan Servicing and XXXX XXXX XXXX Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
I have been approved on a forbearance plan through my home mortgage. When I applied on another loan, my credit report showed I was delinquent for three months on my mortgage. To clear this account, I paid the three months forbearance plan but it did not clear on the credit report, thus making my credit score low.
The loan servicing company : XXXX XXXX XXXX XXXX has missed applied and or not applying monthly payments towards the principle balance. Several attempts have been made to encourage the loan servicer Ocwen to credit the mortgage correctly. The company has refused to work with me and I am out of options.
I am tired of the broken and failed processes at FedLoans. Why is it every time a change is made in my normal payment plan, there is a break in payment process with a requested {$5.00} payment that does not count towards my Public Service Loan Forgiveness Program ( PSLF ) program. I am XXXX years old, XXXX of these {$5.00} non-payments over 10 years that does not count towards my PSLF program, is more than 10 years my PSLF program is delayed from completion, i.e. almost a year is added to the 10-year wait. This affects both my finances and retirement choices towards the end of my career. I am willing right now to make any on-time regular/normal payment ( non-inflated due to process ) during each transition between plans that counts towards my PLSF program. Why is this process so broken, and whatever genius came up with the {$5.00} temporary payment is not doing consumers, federal workers and veterans over XXXX years old any favors. I am requesting that this information be passed on to a person who can make a determination and advise on how I can make regular payments without interruption? If this needs to be elevated to supervisors or a fed loan consumer advocate then please do so, I am tired of having my student loans mismanaged by Fed Loans with requirements that defeat the purpose of the PSLF program and may violate consumer protection laws. It is not in my interest to make {$5.00} non-payments over the age of XXXX, especially if my health does not permit me to continue until past the age of XXXX in my current position.
Subject : Blue Print Fraud, Fraudulent Appraisal, Predatory Lending Fraud They forged my name and did shoddy paperwork. 
They sold my loan and did not make me aware of it. 
They market my home for more then it was worth deliberately. 
The mortgage loan officer make promises he did not keep we ended up have an interest only mortgage which we did not know.. 
They did not let us bring in our own inspectors in to the home they told us that we have to use there inspectors. 
They gave us a XXXX/XXXX mortgage with would include a home equity loan which we where unaware of.
Ad  Astra Recovery Service   XXXX   XXXX  2013  Origional Creditor Name  XXXX    XXXX   XXXX   XXXX   XXXX  I have contacted the recovery service to remove this incorrect information from my credit report there has been no changes. The account is stating that I owe {$810.00} to  XXXX   XXXX  which the name do no match up in the Account.