WillisBack/dataset-financial-user-claim huggingface dataset:
Initial Mortgage processor = XXXX XXXX XXXX ( XXXX ) New processor = Mr. Cooper The nature of my complaint is related to the regulations around the selling and transfers of mortgage loans between processors and the affects this has on the consumer. Aside from only a two weeks notice before my mortgage payment was due ( letter received on XX/XX/XXXX and payment due on XX/XX/XXXX ) and the inability for either company to help me because it was " in the process of being transferred ( which took three weeks ) I was in a position where I had no choice in who I do business with based on the services they provide and how that fits in with my households ability to pay the mortgage. 

Budgets and cashflow revolve around the mortgage payment. After trying to work with Mr. Cooper to setup the same bi-weekly payment structure I had with XXXX I was informed Mr. Cooper doesn't offer that option and that I would have to go through a third party they contracted with ( XXXX XXXX  ). After working with XXXX I was told it will cost {$300.00} to setup and {$5.00} a month. This for a payments structure I did not have to pay for with XXXX. 

As a consumer who has the ability to choose who they want to do business with for every aspect of their lives, We lose that ability during a loan sell-off between processors and are at the mercy of whether the new processor offers the services that work with the consumers budget and cash flow for their household. 
The consumer is only left with the option of refinancing which comes at an even greater cost. Consumerism is lost during this type of transaction and can have negative affects due to the lack of choice that existed when one first obtained the mortgage. 

My goal is for this type of concern to be filed with the CFPB as documentation in case other issues with loan sell-offs happen to be increasing exposure related to the impact on consumers when loans are transferred which results in some type of additional regulation. For example, I would like to have a choice whether I want to work with the new company my current processor wants to sell to. If I was informed that XXXX is looking at selling my mortgage to Mr. Cooper I could investigate whether Mr. Cooper is the business I want to work with. Then I would be given a certain grace period to accept or decline. I had that chance when I obtained the loan as I do in every other product and service I use as a consumer.
I C Systems INC is trying to collect a debt that is well past the statute of limitations. Original debt was for XXXX and was from XX/XX/2009
L2Inc/XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.
RUSHMORE LOAN MANAGEMENT SERVICES LLC / XXXX XXXX, Customer Service Representative. This business continues to contact me, about an account that was transferred to them from XXXX XXXX XXXX, this account is in dispute, due to XXXX XXXX XXXX not being able to provide the SIGNED documents on the XXXX XXXX XXXX REFINANCE, that was acquired by them in XXXX of 2008. XXXX XXXX XXXX ca n't provide the information on the XXXX electronic transfer of funds, which was part of the XXXX XXXX XXXX REFINANCE. This account is in dispute.
This is my second time filing a complaint. I 'm complaining about the Bank of Albuquerque. I am not sure what agency I used to complain to before. They contacted my bank, and I received a phone call from my bank apologizing and refunding the NSF fees. He asked that I contact him directly in the future if I have another issue. I can not find his information. I called my bank, and they do n't seem to have the information either.
My bank will process the largest check first then the smaller checks/drafts especially if the larger check/draft will deplete the funds. Thus, causing instead of 1 NSF fee, it could be 2 or more. I have both a Business and Personal account with Bank Of Albuquerque. I have been known to transfer money to the wrong account, or forget to do a transfer, therefore causing an overdraft. I 'll accept responsibility of my errors. But, my bank is charging excessive NSF fees. The summer is my slowest time for my business and sales are very slow. These NSF fees have put both accounts in the negative and I currently can not operate my business. I phoned the bank and they claim they process the checks in chronological order. I find it extremely odd that it is the LARGEST check the comes in first, every day!! Years ago I complained and at that time they claimed that they process the larger checks or drafts first because they feel it is probably the most important. It is apparent they have a 'canned ' response for their bank holders that complain. It is my understanding this process is illegal.
I live in a community with a lot of retired people on limited incomes. How many other people are receiving these excess charges?
This is in regards to the company response on my case. 
The number that was provided is a scam. I have called numerous times during normal business hours and left a couple of voicemails with no call back or response. This is just a voicemail line with someone named XXXX XXXX. They make it literally impossible since there is only one person they claim to handle disputes. but is never available, no one ever picks up the phone or call back. Its just a voicemail line and they claim they will call back but they never do.
This company, " Credence Resource Management '' has continued to call and demand I provide personal information, like my social security number and address, and when I refuse, they indicate I have to or they will take legal action. I do n't know who they are or what they are calling about. I have repeatedly asked to be removed from their call list and I keep getting calls. 

When I was recently on vacation, they called my phone so many times, that it defeated by " Do Not Disturb '' feature as my phone thought it must be an emergency. 

They will not identify themselves, what they are calling about or what company they are calling on behalf of. 

When I finally blocked the number on my cell phone, they just started calling from a new number.
A medical collection attempt from Medical Data Systems. One is dated XX/XX/XXXX and the amount is {$75.00}. The other one from the same company is dated XX/XX/XXXX for {$66.00}. I have no records or knowledge of any medical services from those dates or those companies. 

I submitted a dispute and this company did not verify the debt. The accounts were removed from my XXXX report, but have yet to be removed from XXXX and XXXX.
Hello, My name is XXXX XXXX and I am contacting you regarding an issue that I am having with a private student loan forbearance through American Education Services ( AES ). I called in XXXX of this year to set up a 2-month forbearance for XXXX and XXXX. The representative on the phone said everything was all set and approved me for the forbearance. He read through the terms and conditions which I verbally agreed to ; the forbearance was finalized. After ending the phone call, however, this individual decided that I was not eligible for the forbearance and it was cancelled. I was not made aware of this, and was surprised to see that my account was past due and had been reported to a credit agency when I went to pay my next bill. I called and spoke to a different representative XXXX XXXX, ID # XXXX XXXX on XXXX/XXXX/16 and she indicated to me that she and another reviewer saw no reason why my forbearance was cancelled. She told me that my account was being submitted for review and that the review should be completed in XXXX10 days and that I should call back after that amount of time. I called back on XXXX/XXXX/16 and spoke to a different representative ( XXXX, ID # XXXX ) who indicated to me that my account had still not been reviewed and that she would call me back when it had been. She offered no explanation as to why it was taking so much longer than the original representative had projected or how long I should anticipate it taking to complete. 

After ending the phone call, I submitted a message through the AES website explaining this situation as I have in the paragraph above. I received a response back today ( XXXX/XXXX/16 ) from " XXXX '' ( see attached email ). He advised me, " You will need to allow time for the review to be completed '' and that " We will work to have this review completed as quickly as possible and you will be notified on the outcome ''. My cosigners and I are receiving collection phone calls that are harassing in frequency and AES is regularly reporting my account, negatively affecting my credit and my cosigner 's credit. I am very disconcerted by the fact that, in his response, XXXX also offered no explanation about why it has not been completed, nor did he say how long I should anticipate waiting. 

At this time, I request that the harassing phone calls and negative credit reportings stop immediately for both my cosigners and I until the time that the review is completed. Also, I do not at all feel comfortable giving this company any further payments until this issue is resolved and I request that no payments are considered delinquent until the review has been completed and some resolution has occurred. 

I very much appreciate your time and attention and look forward to resolving this matter. 

Best, XXXX XXXX
So much time has gone by and I was to humiliated to ever talk to the lender. The default finally made it 's way to collections and the people have threatened me with criminal charges.
The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXXwill prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXXto report the credit cards. THIS IS EVIDENCE OF AN ATTACK!
Yes I have 2credit cards with capital one Bank. I told them I lost mom going thru a hardship. With bills and things. Told them if I could least skip a month payments. Would not accept. I won't be able too pay anything on this months 2payments. Hard too work with them. They have no idea what it's like too lose a parent. Sadd. Also was a XXXX  too my mom for5years. They have no idea what it's like being XXXX with no help from my family.
XX/XX/XXXX Re : Regional Acceptance Co acct. # XXXX Dear Regional Acceptance Co , I've been a customer of yours for years now, and recently when reviewing my credit reports I noticed late payments from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. I have always paid my bills on time, for as long as I can remember. I really believe that these payments must have been due to an error of some kind, such as an issue with the mail or something similar. If you'll review my account history, you will see that I have never been late aside from these instances. My credit is important to me and my relationship with your company is also important. I've been a happy customer for many years, and would like to remain one for many more. Based on our good relationship, I'm asking you to please remove these late payments from my account and from my credit. I ask you to take this in consideration and please favor your faithful client. 


Thank You.
SOME ONE HAD RECENTLY USED MY SOCIAL SECURITY NUMBER TO TRY AND OPEN A ACCOUNT WITH HSBC BANK AND XXXX  XXXX XXXX BRANCH BANK WHICH IS FRAUD BECAUSE I KNEW NOTHING ABOUT IT OR DIDN'T GIVE THEM MY SOCIAL NUMBER THEY STOLE IT SO I JUST WANT TO SEE IF YOU CAN TELL ME IF MY SOCIAL WAS RECENTLY USED TO APPLY FOR ANY BANK ACCOUNTS OR CREDIT LINES OR IS IN ANY OF THESE 2 DATA BASE PLEASE?
XXXX XXXX I got hit with a hard inquiry on XX/XX/2018. I did not make this Inquiry or sign for anyone to authorize this Inquiry. This is fraud and done without my knowledge. I would like this removed as soon as possible. I tried to call The bank and explain to them the situation as I did not want a hard pull for something I did not do. I noticed this once I got a letter in the mail. I also see it on my XXXX  XXXX.
A charge off from 2012 appears on my credit report from XXXX XXXX XXXX. This charge off shows up on my report from only one reporting agency. I contacted the creditor they denied my request for a credit validation letter. I was told by the representative I spoke with to contact the police instead.
MY COMPLAINT IS SGAINST WELLS FARGO BANK, I HAVE A CHECKING AND SAVINGS ACCOUNT WITH WELLS FARGO BANK AND THE PROBLEM I AM HAVING IS THAT WHEN MY BALANCE REACHES A LOW LEVEL AND I VISIT THEIR ATM TO MAKE A DEPOSIT TO THE WELLS FARGO ATM MACHINES, THE DEPOSIT OPTION IS ALMOST ALWAYS UNAVAILABLE FOR DEPOSIT AND THIS IS TRUE REGARDLES OF THE LOCATION OF THE MACHINES. THEN I AM CHARGED HUNDREDS OF DOLLARS IN OVERDRAFT FEES BECAUSE I COULD NOT BALANCE THE ACCOUNT I SUSPECT THAT THIS IS A DELIBERATE AND INTENTIONAL AS WELL AS UNPROFESSIONAL BUSINESS PRACTICE BY WELLS FARGO AGAINST THEIR CLIENTS.
I transferred XXXX in cash from Walmart to wallmart. 
when I found out this was fraud I put a stop on the money and they gave me a refenece #, when I went to get my money they said no that the funds were transferred. I need help asap please call me its an emergency
My name is XXXX XXXX. It has been well over a year TransUnion and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified or removed immediately.
I had a collection with XXXX XXXX which was paid they agreed to remove it from all three bureau, and it was removed but on XX/XX/2018 it was placed back on my credit file with Equifax, dropping my score 88 point, saying it was reported corrected by XXXX XXXX, ( per XXXX XXXX ) which XXXX collections stating that they have not reporting anything on me to no bureau concerning this account because this account is closed and no longer been collected on.. Equifax is reporting inacurute information on consumer credit report and not willing to fix the problem with your score plunged with a significant amount of points been lost on your credit
I have a company that claims they have my student loans. the company calls all the time and tries to contact me through my family and co workers. they say they got my loan from navient and that they are to collect the debt. They had incorrect personal information about me and I dont feel comfortable talking with them.
This is in reference to my inquiry which I have discussed with CFPB contact XXXX XXXX a few months ago regarding my car loan. 

Inq # XXXX with XXXX I am faxing the original payment stub on monthly payment which should have been {$450.00}. 

However, PNC has been historically exploiting me adding extreme late charges adding first couple of years for an additional amount {$24.00} & subsequently {$36.00}. 

I have paid off all the payments last month on the original agreed contract amount but they have {$2300.00} on top of the penalties I paid monthly and not surrendering my title. 

Now, they are adding more compounded late charges on the amount which I shouldn't be even paying. 

I have contacted their executive office but they are arrogant and not being fair, instead they said CFPB can not interfere on their business or CFPB can not do anything on their business practices. 

I am attaching the payment stubs and evidence of dishonest penalty charges in the name of late charges. This bank has been practicing a cruel predatory lending by offering car dealers on bulk used auto loans from the dealers and changing like bait and switch style adding penalty charges. 

I request CFPB to review and take stern action against PNC bank 's penalty model that they use very dishonestly in order to generate revenue victimizing customers on loans offered for auto or others. 

Thank you and regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Bank neligent in customer service and handling of disputed charge which has now caused me a severe lost Bank of america promised that they closed my card and no further charges were able to come in. After a XXXX charge did come thru rep told me that prior rep didnt actually closed the card and she messed up. I told him charge should have never been because card was supposed to be closed. Instead he issued a dispute on the charge and removed it. I never heard from the bank and charged reapeared and wreked havoc on my account. I called XXXX XXXX and a woman apologized that i was not notified about answering the dispute and she would try to remove on that day and at worst 2 biz days and i would not have to worry about overdrafts. It wasnt reversed and now i have overdrafts hitting the account and lost my salary in a transfer to it. I called and was told that the woman was wrong to tell me these things! I was told i need to submit a written response. They sent the original demand for a written response to my listed physical address not my mailing address listed on my account. This guy tells me we dont pay attention to that in this matter!!!! Repeated that it didnt matter what my mailing address listed! He would not help me further in the mean time i am getting overdraft blizzards and i dont have money for groceries!
Debt is for {$1500.00} Now they are asking for {$1700.00} because interest?????
1. I requested from American Education Service ( AES ) all of the documentation concerning the loan. The loan was originally with XXXX which was turned to XXXX XXXX. I asked AES to provide me with the documents stating what company owns the loan and the transaction documentation when the loan was transferred or sold. AES responded that they were unable to provide the information. 2. I was told when I first got the loan that I could remove the cosigner after making 24 payments. Now they have changed the rules : a ) You can not have had a deferment. b ) When making payments, you must wait 30 days before submitting the next payment. This is to prevent a person from paying the 24 payments quickly. 3. The terms of this loan are very difficult, almost fraudulent. The loan was for {$16000.00} in XX/XX/XXXX and no payment until XX/XX/XXXX. In XX/XX/XXXX, the balance was {$21000.00}. A deferment was requested and in XX/XX/XXXX the balance was {$24000.00}. I made payments in Starting XX/XX/XXXX to XX/XX/XXXX and the balance remained the same at {$24000.00}. The balance has fluctuated up to {$26000.00} in XX/XX/XXXX and is {$25000.00} as of XX/XX/XXXX. At this rate I will never be able to pay off this loan. I have  attached my loan payment history. The payment is currently {$210.00} per month. I have asked AES if I could modify the terms of the loan but they said they would not change it. 4. If AES or the lender who currently " owns '' the loan can not provide proof that they truly own the loan or service the loan, then by law they can not collect payments for the loan.
I sent a certified letter to XXXX and the Collection Agency to verify/validate the debt by sending proof of verification that I owe this debt, it is not enough for the Collection Agency to simply send me a print out of an amount allegedly owed. 

If they are unable to verify this debt, they are not allowed to continue listing this debt on my credit report. I have made a dispute with the credit bureaus as well and they still are reporting this on my report without having verified this debt belongs to me. 

Please assist me with having this company remove the listing from my credit report. Thanks.
I have 2 probles that I an hoping to get resolved. 
1. It appears that I was entitled to a recission of a mortgage that XXXX had with wells fargo, but I was never properly notified. they notified me well after I paid off the mortgage. I believe that I should be entitled to all the interest that I paid during that time. 
2. while an emploee of wells fargo-they were monitoring both my personal accounts and business accounts.
I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. I sent out letters, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry on my credit report to determine who authorized the inquiry.
I have a loan through XXXXNavient. They call me several times a day, often once an hour or every couple of hours. I consider this harrassment and I would like it to stop.
I wrote a letter to TransUnion on ( XX/XX/XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as Trans Union, "  shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 7 accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXt ( XXXXXXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX (  XXXX ) I received a response letter XX/XX/XXXX stating that these accounts have been verified as accurate and updated. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid and still contain asterisks as numbers. The law states that the correct and complete information should be provided upon request.