WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I was notified by XXXX that a collection account was reported to my file. I immediately contacted the debt collection agency and was advised it was for a debt in XX/XX/XXXX with XXXX XXXX XXXX. I contact XXXX and there provided no reason as to why I owed considering I paid for services when services was rendered. I've received no call nor letters despite them having the correct telephone number. I did not agree to any charges other than the ones I paid on the day XXXX received services. The balance I paid at time of service was due as a result of what insurance did not cover. They can not provide anything signed by myself agreeing to extra charges nor the fees they are now all of a sudden saying I owe. Fees are preset and charges not covered by XXXX XXXX were provided at time of service at what point payment was due. I did not authorize any other charges nor agree to pay anything other than what I've already paid.
I was XXXX and taken off a highway by XXXX, state police found me not at fault, Auto insurance miss this nill and now the company is wrecking my credit, They have all the ins info but they choose to to hurt me instead, I have documents to prove my words..
I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to   XXXX   XXXX   for " incorrect name '' on personal information. My name is   XXXX   XXXX   XXXX  . My maiden name is   XXXX   XXXX  . I have no middle initial. My email address is  XXXX .     Thank you,   XXXX   XXXX   XXXX
I get that debt collecting companies like to call. I 'm not disputing that I owe various entities, and while I do n't really recognize 'Midland Credit Management , Inc. ' in XXXX XXXX XXXX they are probably for XXXX of my accounts that went to a debt collector. They 've already incessantly tried to call, but the nature of my complaint is they called this past Sunday. This is n't the XXXX and 'you owe me money ' tactics of harassment are fair game. Sunday is an Off day by any definition and still 'not a business day. ' They need to be reigned in to know that by phone intrusion, there are hours of a business day that are " fair game '' and then there is after hours which is off-limits. Also, I do n't think they 've left a voicemail which to me tends to ooze Unprofessionalism. So, 'by the rules ' you can call to harass us any business day, from like XXXX - XXXX, but outside of that you do n't just get to bother us about this specific debt that I know is 'important ' to you, but it is prioritized to this Family ( and probably a lower one at that ). Please hold MCM accountable to stop this practice!
Equifax is reporting a bankruptcy on my credit report that is not accurate. I never filed Bankruptcy. EVER!! This must be tied to the Equifax breach from last year or something. Equifax is the only credit report that is showing this on my credit report. The docket number shows as XXXX and filed on XX/XX/XXXX and reported on XX/XX/XXXX. How is this possible? I even did a search of the court records with my social security number and no bankruptcy was found.
BofA submitted, to the credit bureau incorrect info. During my refi process they tried to foreclose om me and they accused me of being late, when in fact I never missed a payment. I just did not pay the new amount which was more than I could afford, thus the reason for the refi. this process took over 2 years. Everytime I called my personal point of contact they had changed that person and I had to begin the process all over again. I need resolve here. They are affecting my ability to get credit. Account number ending in XXXX
XXXX XXXX I learned that I had a medical collections debt for my minor child from XXXX XXXX XXXX that was sent to a collection agency XXXX. In XXXX XXXX, I settled the debt with XXXX which i I have a receipt. In XXXX XXXX, another company by the name of XXXX XXXX showed up on my report attempting to collect this same debt. I disputed this collection and I received a letter from XXXX XXXX dated XXXX XXXX, XXXX stating that the account was closed and returned to the original creditor. It was also removed from my report. XXXX XXXX, XXXX the debt appears again under Commonwealth Financial Systems. I am in the process of buying of a home and this negative account continually reappearing on my credit report is affecting my score and causing me XXXX. Not to mention that XXXX, the agency who I settled with, was the only one who contacted me. The others have not, they just showed up on my report. I am very aware of the HIPPA Law and I am almost certain that what this company is doing violates the FCRA.
Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy Discharged XXXXXX/XX/XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
After I filed the dispute, Equifax took steps to resolve the issue and did so in timely manner. But XXXX and XXXX are still showing the account on my credit report. How long does it typically take for the other agencies to get updated?
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT INFORMATION DUE TO ID THEFT APPEAR ON MY CREDIT REPORT / TOO MANY INCORRECT LATE PAYMENT, DEFFERENCE NAME, ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME.
On XX/XX/2018 I called XXXX XXXX XXXX XXXX and requested my Experian and XXXX  credit reports both of which I am entitled to free.It is now XX/XX/2018 and I have received neither. I called the above given number to check on the status of mailing of these reports and there was no such function.
My XXXX  credit report shows a hard inquiry on XX/XX/2017 from Citizens Bank ... their contact information is as follows : CITIZENS BANK XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX I have not now nor ever had any business with Citizens Bank and would like to have this hard inquiry removed.
Company has hidden interest charges and charging too high of an interest rates on my account stating that there was a special promotion, but at the time of purchase on eye wear there was no mention of it being a special promotion. Sales person said that if you use our coupon you would get more of a discount off your purchase. ( Sears )
The credit agencies are experiencing so many breaches right now that it is affecting everyone. And this is what my complaint is in reference to. I have accounts on my credit report that is not mines, I'm requesting the following accounts be blocked from my credit report. The following are XXXX XXXX for {$180.00}, XXXX XXXX XXXX for {$38.00}, XXXX XXXX for XXXX, and XXXX {$1.00}, these accounts are not mines.
I received a text from a colleague at work from facebook link about student loan forgiveness. I told her that it is a hoax. She stated it is legitimate. It says that Obama to forgive {$7.00} XXXX dollars of Student Loan debt. The number is XXXX. I called it the first time and a voice message said to call back, lines were busy. I called back and spoke with a XXXX XXXX at the Student Loan Relief Dept. Her number is XXXX. I gave her my personal information, address, phone number, ss #. XXXX stated that if I qualify my federal loans could be reduced. She asked where I worked, my income. She also asked if I had any children. I told her that I did not. She also asked if I help any of my family members. I said yes, when I have money. I will try and help out. I still told her that this sounds too good to be true. This is not legitimate. She said that they work with the Department of Education. I said how is that possible. This is not accurate. She proceeded to inform me that I qualify for the forgiveness loan and that my monthly payment would reduce to {$20.00} per month for 20 years and the balance would be forgiven. She also proceeded to say that there is a fee to be paid of {$1300.00} and in some cases the fee is {$1900.00}. XXXX had put me on hold for several minutes. I had a bad feeling. She returned stating that she need to get some water. I listened. Then she asked me that I would have to pay the fees. I continued on and he requested my bank card. I provided her the number and something felt not right. I searched this third party company. It is Manhattan Beach Venture , LLC in XXXX, California. There were horrible reviews about what they really do. They take advantage of people. I opened my account to see a {$.00} withdrawal from my bank account after she said that my first payment will start at the end of XXXX, 2016. I called my bank from my home phone while she was on my cell phone. I told the representative what was going on, I immediately asked her to cancel my bank card. She did and noted my account. I have a new card now. But XXXX still has my information. I also called the FBI and reported it. They took my information and provided me with the FTC 's number. That is why I want this to be investigated. I told XXXX that my social security number has been exposed after I signed these documents. Her reply states that it is only exposed on my document which did not make sense because she already had my social security number. She continued to say that she has helped alot of students with huge loans. She stated that if I did not believe her that I can contact her boss. His name is XXXX. His number is XXXX. I did not call the number.
The property is in foreclosure by the 2nd mortgage company. We have filed bankruptcy but have a buyer for the property. We have been trying to obtain the Payoff Information from Ditech Mortgage with no results. If we do not have it by XX/XX/XXXX the house will be sold at auction.XX/XX/XXXX - I requested Payoff from Ditech 's bankruptcy dept and was told it would take up to 10 days. On the XXXX day I followed up only to find out the request had been cancelled because they could not send it to me ... .it would have to go to my lawyer.

In this same time frame the Escrow company ( buyer ) was requesting the info as well. They were told that they would need the last 4 digits of our SSN 's. Gave them that, they submitted the request. This request was cancelled as well because now we were being told that they needed to submit a form with our signatures.XX/XX/XXXX - Followed up again. Only to be told that the prior requests were cancelled. They would take the request again and put a 3 day rush on it. Was also told they could ONLY send it to my lawyer. I verified the address on file. It was correct.

Escrow company ( buyer ) requested again as well. Faxed signed authorization for the request. Ditech could confirm that they could see the request, but that it was still pending.XX/XX/XXXX- Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Was told they JUST received the request from the Escrow company onXX/XX/XXXX and that it was pending. They could not confirm where in the process the request for the payoff to be sent to my lawyer was. Was told that they would put a rush on this new request.

I am at a complete loss here. I actually have a buyer for the property and would like to get this resolved. If this does not get taken care of the 2nd mortgage company is selling it at auction.
A company called XXXX contacted my place of employment, my son, and my mother threatening to file suit against me for fraud in regards to a loan/line of credit with CashNet USA. They kept asking me did i intentionally try to defraud CashNet when I received the loan. And they could only discuss arrangements with me based upon how i answered that question. Also since I stated i could not pay the money within 60 days, they were going to proceed with legal action in XXXX County, VA on XXXX cases of fraud and that i should seek legal counsel. The number i called to reach them was XXXX. And they gave me a case number of XXXX to refer to. I contacted XXXX County Courts and Sheriff 's Office and they have no information regarding this matter.
Nationstar Mortgage is habitual in sending escrow overage checks and then raising the monthly payment amount to " cover escrow shortages '' in the same week. They have also paid for ( out of escrow which did n't have enough funds ) for coverages that were already paid for by the loan holder ( and Nationstar was TOLD that the coverages were PAID BY THE LOAN HOLDER and no payment was necessary. Yet, Nationstar created an escrow shortage and DOUBLE PAID the coverages. I have been trying to work this company on straightening out this situation since XXXX, 2015. I do n't believe that NATIONSTAR listens or provides ethical practices when it comes to dealing with their customers. What steps can I take. I am on a fixed income and can not refinance to " get out from under them. ".
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, including but not limited to Specialized Loan Servicing, LCC ( SLS ) and all unauthorized mortgage assignments affiliates are reluctant to address my concerns explaining in detail the fraudulent mortgage assignments of why and how these assignments took place without an official POA for each assignment. These assignments some recorded and some were not recorded without my knowledge without the originators written authorization to do so, since the original originator business dissolved years prior. 

XXXX XXXX XXXX XXXX will not address my concerns and informing me to contact an entity ( SLS ) that they have no affiliation is alarming ( see attachments ).  Since XXXX  recorded on my deed as " grantor '' without authorization from an official representative and POA from XXXX XXXX  that dissolved is of great concern without answers from SLS and all of the chain that executed assignments without merit. 

Since XXXX XXXX XXXX XXXX is very aggressive with confirming holding a fraudulent lien on my property and rushing to accept and assign unauthorized mortgage assignments without holding responsibility for any liability, my concern why is SLS and all of the chain of affiliates reluctant to address all of the unauthorized mortgage assignment of discovery? I request that all parties ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX ) be accountable in referencing the attachment on pages 5,6,7, & 8. Under a microscope, initiating with XXXX up to XXXX ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized XXXX as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.
As I understand it in XX/XX/XXXX, I was dropped from doing business with Bank of America, I have been reported by them to XXXX  and XXXX XXXX XXXX Bank of America has prevented me from opening any account due to this action, I received NO DOCUMENTATION from Bank of America. 

I have been attending to my XXXX Year Old Mother who passed away in XX/XX/XXXX I have not been involved in banking matters with Bank of America
The XXXX account listed on my credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
I was given money via PayPal sent to me using the friends and family method upon trying to withdraw it to a previously verified checking account the transfer was reversed my balance was then frozen, and I was only shown a screen that stated that I was not allowed to have a PayPal account, saying I was in breach of thunder user agreement. I did nothing to warrant this. I followed the agreement 's guidelines explicitly. At no time did I stray outside of those guidelines. When I attempted to speak to a representative I was informed that they were going to keep my money for 180 days. I was shocked by this because PayPal is not only pretending to be a bank, when in fact it is illegal for a transmitting company to operate under banking guidelines, but they were going to do so under false pretenses of protection. It clearly states in the user agreement that their protection policy does not apply to any transaction including birth buyer or seller ( of which I 'm neither ) if money was transferred via friends and family. No goods or services were exchanged so chargebacks do n't apply. 
The next representative I spoke with told me to withdraw my funds I had to send them a copy of my ID. That no one had ever been able to withdraw funds without an ID. In the user agreement it states to withdraw funds you must 1. Verify a bank account. - I did that a month ago 2. Verify a debit card- also did that a month ago 3. Upload a copy of social security card - done weeks ago.

The agreement states that if at least 2 of those actions are completed a account holder may withdraw funds. 
Unless you 're me. Then your XXXX money is frozen and you get lied to by PayPal.
In XX/XX/XXXX and as of today Flagstar Bank holds my mortgage. In XX/XX/XXXX Flagstar Bank placed my property into foreclosure after making my timely payments under their loan modification ( see attachment ) and referred the matter to their Attorney 's " XXXX, XXXX, XXXX XXXX XXXX ''. In fear of losing my property I hired " XXXX XXXX XXXX XXXX '' to whom I paid over {$5000.00} in fees, only to learn from their website they was doing foreclosures for Flagstar Bank. I brought this to their attention and they quickly removed it. To no avail with " XXXX XXXX XXXX XXXX '' and Flagstar Bank charging me outrageous fees and I feel deliberately holding back, I was forced to use my retirement funds to pay Flagstar Bank Attorneys {$31000.00}. Due to illness and XXXX I fell back in XX/XX/XXXX only to go through Flagstar same actions. I paid the rears as per their Attorney 's " XXXX, XXXX XXXX XXXX '' and now Flagstar is stating they are not accepting the funds and I need to contact their Attorneys to find out why. The same I had hire an attorney for this matter just find out the status of my loan.
THUNDERBIRD COLLECTIONS Last reported : XX/XX/XXXX {$1000.00} Needs Attention Balance {$1000.00} Highest Balance {$1000.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX. 
Creditor Information THUNDERBIRD COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
I was laid-off and unemployed so applied for Special Forbearance for an unemployed homeowner to XXXX XXXX XXXX which was my mortgage company. XXXX XXXX XXXX was giving the runaround so I asked for Mediation as I lived in Maryland. Just before the mediation XXXX XXXX XXXX sold my loan to Carrington Mortgage services. 

I had the mediation with Carrington Mortgage Services and during the mediation, I asked for 1 ) Short Sales which was what XXXX XXXX XXXX offered me before they sold the loan or 2 ) A deed in lieu to avoid Foreclosure proceedings. Carrington Mortgage stated that because they just bought the loan and that I am still unemployed they will let me apply for a loan modification with them first and that if that does not work out, then they will offer me either the Short Sales or A deed in lieu. 

I put in the application in XX/XX/XXXX and they came back in XX/XX/XXXX for pay stubs. I reminded Carrington Mortgage Rep that I informed them at the mediation that I was unemployed and looking for a job and they asked me to apply for modification before they can tell me whether to do Short Sales or A deed in lieu. Carrington Mortgage then asked me to put into writing that I was still unemployed which I did through XXXX XXXX XXXX person who was helping out. They came back again that I was missing a document which I then uploaded to them on their site. 

I have not heard anything from Carrington Mortgage so on XX/XX/XXXX I called them to check on my application and I was told that they canceled my application and that I have to re-apply because supposedly they were missing some documents from them. Informed them that the last document they asked for I uploaded on their site. I then asked them what document I am supposedly missing but Carrington Mortgage could not tell me the specific document I am supposedly missing. Carrington Mortgage Rep then informed me that she was going to send me the applications and that I will receive them in a weeks time. I waited about a week without receiving the documents so I called them and I was told I should be receiving documents soon. I called them again on XX/XX/XXXX and I was told that Carrington Mortgage had set a sales date of XX/XX/XXXX for my house to be sold for foreclosure. 

I asked them how can they asked me to re-apply for a loan modification and I was waiting for the documents and they went ahead to set a foreclosure sales date without even informing me? Carrington Rep stated that they just set the date the morning I called them and that they do not have to inform me about setting date for foreclosure sale. Then they stated I can still send in the re-application to be considered. 

The behavior of Carrington Mortgage is just abominable.
Did not authorize these inquiries i called to dispute and company says call credit agency and credit agency says call companies.
My loans had been originally XXXX XXXX beginning in XX/XX/XXXX. They were purchased by Sallie Mae and then Navient. I learned about the Pulic Service Loan Forgiveness program and immediately called Sallie Mae to make sure my loans were in the right place. They assured me on many occasions that I would qualify for loan forgiveness as a public school teacher. I also asked about income driven payment plan which is a qualification for the public service student loan forgiveness. I was told if I did that payment I would not have anything left to forgive which was ridiculous as I still have {$40000.00} left now to pay. I payed 10 years ( longer actually ) of ontime payments and checked in multiple times with Sallie Mae about the program and every time they assured me I would qualify for forgiveness in XXXX. I filled out the paperwork for forgiveness and was denied because my loans were not with XXXX XXXX. Sallie Mae lied to me repeatedly. My loan should have been forgiven and paid off. Instead I still have XXXX XXXX to pay.
Wells Fargo Bank closed my IRA CD in error and sent a check for the balance to another financial institution without my knowledge or written approval. This is the account that I had arranged to draw my required minimum distribution. When I discovered this error, I went to the local branch of Wells Fargo and asked the bank to place a stop payment on the check and reopen the IRA account they closed in error. They refused to place a stop payment, but stated they would request the return of the funds and treat it as a rollover, not a correction of the Bank error. 
When the check arrived at the other financial institution, they processed it to my IRA account with them as a direct transfer. At this point I decided it was in my best interest to leave the funds at the new institution. 
Even though the amount of the lost interest is minimal, Wells Fargo never offered to reimburse me for this loss. 
I have since requested a letter from Wells Fargo acknowledging their error for my records in the event of an IRS issue. To date, I have heard nothing from Wells Fargo.