WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage with Selene Finance. The mortgage includes a XXXX  XXXX double wide mobile home and XXXX acres of land and the balance is about {$120000.00}. I had to file a claim with my insurance company, XXXX XXXX, because of water damage. The insurance declared tho home a total lose and gave me a check for {$20000.00}. The check was made to the mortgage company and me. Selene advice me to indorse the check and send it to their loss draft department which I did.My intention was to use those funds to help purchase a replacement home as I have no desire to lose my property. Selene will not release the money for me to proceed with the purchase of a replacement home. I do not have the money to buy the home myself. Selene says the will hold the funds in a restricted escrow until the mortgage is satisfied. I have spent hours on the phone over the last month trying to work with them to get this resolved but they are unwilling to release the money from the insurance that I pay for.
Everytime I call I 'm told to fax in my drivers license and social number which I have an then I 'm told it takes XXXX72 hours to fix. Well it 's been that time frame and everyday I get the run around! My name is XXXX XXXX XXXX and my dad is XXXX! We live at the same address. But on MY credit report it has his birthday and his credit account but with my social. Everyone seems clueless when I call about this. Why is this so hard to take his birthday off and add mine of XXXX/XXXX/1980! Then put my credit account on there and take his off. Why is this SO HARD for equifax to fix?! I screenshot my correct credit report to show you what it 's suppose to be!
BBVA COMPASS IS FINALLY RESEARCHING MY PROBLEM, ALTHOUGH THEY HAVE NOW TAKEN OVER 90 DAYS WITH MY COMPLAINT AND THERE ONLY RESPONSE IS THAT THEY ARE LOOKING INTO AND WILL BE IN TOUCH WITHIN 60 MORE DAYS. THAT IS 5 MONTHS.
XXXX mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under us bank on a mortgage loan that was settled in XXXX by us banks through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through us bank to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold XXXX to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX bank or XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows XXXX or more of these charge. 

XXXX and us bank with the help from the XXXX circuit court of Florida who disregarded the facts and has foreclosed and stolen our home. I will forward XXXX of the XXXX judgment the last XXXX were removed. next please ask XXXX and us bank to submit a certified copy of the actual illegal and invalid mortgage documents they filed with the court. as it differ from the version they gave you what of the frauldant charges by attorney XXXX XXXX XXXX for mandatory mediation that we were never ordered to attend by the court and if mandatory mediation is required by law why did the court skip this step and her response to me in a email was XXXX County does not require mediation. I guest XXXX county has their own foreclosure laws I thought it was Florida law or federal law Moreover, these issues should have been raised by you to the Court prior to the entry of judgment. that would be the same court who does n't believe the facts of the case and a very clever scheme to defraud by nationstar and us bank and what of the relocation expenses for being forced out of our home with less than 45days. please forward this complaint to us bank for their response to this case now that XXXX and us bank stole our home I am formally requesting to file federal charge against all the parities and request that the dept. of justice investigate this matter and look up the court file to confirm my statements. nationstar and us bank needs to stop stalling and formally respond, now that they have completed their fraud and stole our home. I will e-mail all my documents to cfpb and the DOJ
I personally filed a complaint against Navient, alleging that Navient promised that my loan was eligible for public service loan forgiveness, only to find out later that my loans did not qualify. 
Phone recordings from Navient, selectively produced by Navient, seem to indicate that I was told my loans don't qualify. 
However, Navient never told me that my ineligible loans could be made eligible very easily by converting my loans to direct consolidated loans. I assumed that if my loans were not eligible for PSLF that I could never take advantage of PSLF. I didn't know that the nature of my loans could be changed, as Navient never told me they could. Instead, Navient told me I wasnt eligible for PSLF, but that there was good news because I qualified for lower payments with an income- based repayment plan. 
I have a phone recording from Navient ( given to me by Navient ), wherein a Navient supervisor tells me that Navient reps, once they know you are a public servant, are supposed to immediately notify you that to qualify for PSLF, you must convert to a direct loan. I posited that it must not be in Navient 's best interests to tell public servants about converting because that would mean that Navient loses my loan and interest payments to XXXX XXXX. The supervisor agreed with me. Then she reiterated that she was shocked that I wasn't told to convert to a direct loan. 
Navient has had my loan since XXXX. Had they told me about converting to a direct loan back then, I would have been eligible for PSLF by XXXX! Now, I'm not eligible until XXXX, 6 years after i'm scheduled to retire! 
I am also curious as to whether CFPB 's lawsuit against Navient is at least partially based on Navient, in order not to lose thousands of loans, not telling public servants of the need to convert to eligibility direct loans to qualify for PSLF.
XXXX XXXX XXXX, Chase Bank solicited me for their Slate card. Chase was aware that I had an existing bankruptcy and low credit score. Again, Chase solicited me based on this knowledge. Chase denied me due to " [ my ] credit report contains a bankruptcy ''. I now have an inquiry entry on my credit report that now should not be there as I would have never applied if Chase had not solicited based on my challenged credit history. Inquiries can lower your credit score.
Sallie Mae is currently reporting a studentloan that was fraudulently obtained with my information by my ex husband. The loan was opened in XXXX and it was brought to my attention in XXXX after The loan was defaulted upon by my ex. I then informed Sallie Mae that the issue is an identity theft. And they sent me some paperwork to filled out ( whicj they claimed was never received ). The last communication was in XXXX and I was informed XXXX  that they never received my mail and the loan is no longer being serviced by Sallie Mae. I should instead contact Navient, who is now the new servicer of the loan. Every time I called I can not get a straight answer as no one seem to know what's going on with the loan instead I get a monthly reporting on my credit report about delinquency
I received a copy of a payment demand letter from Ad Astra Recovery Services that was included in forwarded mail from another address. I did not live at this address at the time this payday loan was applied for. I requested validation of this debt under the Texas Finance Code Section 392.202. Ad Astra did not respond to the request but they continue their collection activity by continuing to report the account to the credit reporting agencies. They also verified the account as accurate XX/XX/XXXX and XX/XX/XXXX but were unable to provide copies of contracts, agreements., etc.
I get a voicemail message that states, " by continuing to listen to this message you confirm that you are ( name ) .... then it gives a phone nmber to call. I tried calling a few times but ca n't afford to waste my minutes on hold. How is it that my voicemail " listening '' to a recorded message is a confirmation of my identity? How is this a legitimate " attempt to collect a debt ''?
They Keep Calling Saying They Are A Pro Placement Service? A Debt Collector! But I Don't Owe Anybody Anything? I Asked Them Who They Are looking For But They Didn't Answer Me. They Have Called At least 20 Times, This Is A Scam! There Phone Number Is # XXXX XXXX XXXX
Opened an account on XX/XX/2018 with fifth third bank. Deposited {$1000.00} as part of a promotion to earn {$500.00} after 60 days. I was not informed of any service fees on the account nor did I ever receive a debit card. When I returned to the bank 60 days later I was told that I did not earn the {$500.00} due to the monthly charges.
They are holding my funds hostage while not responding to multiple tickets and do n't allow phone support. Only a vague message upon logging into the website saying : " We could n't complete one of your buys due to an issue with your payment method. Please select a payment method to continue. '' " COMPLETE YOUR BUYS Amount $ XXXX '' " AFFECTED PURCHASES {$0.00} via Unknown Payment Method '' I clicked 'make payment ' without any understanding of what I was making a payment for, in hopes that I would gain access to my funds and be allow to log in to XXXX again but absolutely nothing happened. 

I 'm at a loss as to what is going on here and because it 's impossible to interact with Coinbase, i 'm here to file a complaint.
SKIP TRACED ALL FAMILY MEMBERS CELL, WORK, HOME NUMBERS CALLED AND WILL GO TO JAIL IF YOU DONT PAY! IN VIOLATION OF FTC, FDCPA, TCPA, FCRA ....
I already reached out to the credit bureaus and to this company to notify them of their errors. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. When XXXX XXXX XXXX XXXX did not send any response to my correspondence, I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Time finance is still reporting this old debt as open.. this account has been sold and paid in full by a 3 rd party ... I contact time finance and told them that this account was paid and should be removed from my credit report and the rep stated that the account still says I old owed them which is fraudulent this old account needs to be removed off my credit report
I have contacted USCB America 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX
On XXXX XXXX, 2016 i made a deposit of XXXX to my checking account. My posted balance was XXXX. As i continued from XXXX XXXX using my checking account my balance as of XXXX XXXX, 2016 was XXXX. On XXXX XXXX sometime around XXXX to XXXX i went to my local gas station to withdraw XXXX. I knew when i withdrew this money my checking account would be in the negative and i would be responsible for the overdraft fee, which would put my account around XXXX overdraft fee included. XXXX XXXX i looked at my account to see if the overdraft fee had been posted, my account was negative over XXXX. I was charged XXXX in over draft fees on transactions i was shown had already cleared ( earlier in the week ) I was charged another XXXX for transactions which were made prior to the XXXX atm withdraw and were shown to be cleared. On my bank statement it shows these transactions being withdrawn on XXXX XXXX and the atm on XXXX XXXX. I do not feel I am responsible for the overdraft fees ( especially when my account shows they were withdrawn ) when the purchases made prior to the atm withdraw were clearly covered do to the deposit on XXXX XXXX and these transactions were made prior to XXXX XXXX. I was also informed that BB & T does not do any transaction Thursday through Sunday which is false for i have proof of several transactions being deducted on Thursdays and Fridays. Ive tried contacting BB & T by walk in and by phone and no one will help me understand why i should be responsible for these fees. I am on a limited income and a single mother of XXXX children. This has financially drained me this month for i am unable to pay my bills due to these charges.
I received a collection letter from RCS Recovery Services LLc XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. This company is harassing me with calls and letters. Im in the state of XXXX protected by " uncollectable debt ''. This was a 2nd mortgage " purchase money 2nd '' - by the XXXX state law " anti-deficiency statute " The anti-deficiency statute for mortgages applies to purchase-money mortgages ( mortgages taken out for the sole purpose of purchasing the property securing the mortgage ) used to purchase a single one- or two-family dwelling on XXXX acres or less. So if you took out a mortgage to purchase your single-family home on a lot that is less than XXXX acres, your lender will not be able to sue you for the deficiency after a judicial foreclosure. XXXX Rev. Stat. Ann. 33-729. While this statute appears to only apply to mortgages, XXXX courts have interpreted it as also being applicable to purchase-money deeds of trust that are foreclosed judicially '' Please forward this complaint I am in need of protecting my credit and can not have this company report any judgment whatsoever on my credit. I would like a response to the handling of this matter.
I pulled a copy of my credit report and some company was reporting a bill for XXXX XXXX XXXX XXXX. I did dispute with them and they took it off my credit report because it 's not mine. Then this XXXX XXXX XXXX company is reporting it and it 's reporting it as something new. This is n't mine and I do n't owe this. Please help me I do n't know what else I can do.
Complaint number 5 - XXXX XXXX. 

There are at least 4 prior complaints regarding Equifax 's reporting of this account on my tradeline. 

All complaints have surround the " Activity Designation '' that EQ uses to define the current status of an account, be it Paid/Closed or NA when Open. 

It is apparent that when this value is not accurately set, that the PAY history - fills in wholly inaccurately, as the account has been closed for months. 

I have attached a sample report from Equifax 's own website, and on page XXXX, is an account with a " Closed Date '' and then - an Activity Designator that they display and expect to be present. 

During these XXXX previous disputes with EQ - their manual updates, have destroyed the tradeline. 

The Pay History present previously and - traceable submissions to them by XXXX XXXX, is now gone. 

The Balance History present previously and - traceable submissions to them by XXXX XXXX, is now gone. 

That is attached as well. There is also an attached document from the printed reports showing the Pay and Balance History - deleted. 
This account had perfect payment history. 
This account has perfect balance history, to support its pay history. 

Equifax - if you can not go back to the original creditor and put the account back to which it started and then stood until closure, you have left this trade line inaccurate and wholly incomplete. 



In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.
XXXX has been non-compliant with removing the unverified account NCB MANAGEMENT SERVICES , INC. which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXXNCB MANAGEMENT SERVICES , INC. was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Capital One refuses to issue credit balance refund of over {$1800.00}. They stole my money fir nearly one year. They keep making excuses for stealing my money. Ive provided them with identity proof with my id and social security card but they still wont send. My utility bill is in my roommates name so I cant give cap one that.
In XXXX of 2017 I was unable to have a security freeze lifted to obtain utility services. After many hours on the phone I was told by Equifax I have 2 different files with 2 different DOB but same SSN. I sent in the documentation they asked for told it would be corrected. Fast forward to XXXX. I go to buy a car find out my score is several hundred points less than XXXX and Experian. Go online to obtain copy no luck the system can't verify me. Call again no one can verify me because I'm still showing two files. A supervisor named XXXX told me what to fax in and what the statement needed to include to correct the errors. The information will be corrected within 72 hours. I faxed all information in on XX/XX/XXXX. Since then I've called every day verifying the information was received and error corrected. I've been told the two files are merged only to call back the next day and talk to more supervisors who tell me no it's not been corrected and they don't know how to correct it. They'll send to the technical department. I can't get a copy of one or both reports. I'm spending several hours a day trying to get answers and no one can help me. I don't know who else to reach out to for help.
XXXX XXXX has been contacted via letter asking for verification of debt. Ive asked on three different occasions to send contract with my signature and copy of my identification. The only reply Ive received is a letter stating they verified the debt with their client. The debt total is {$540.00} and I need to see a bill, the signature from me and copy of my identification from the day of service. This should be apart of their file and proof of my debt validation. Not just a letter stating its been verified.
Attached you will find documents mailed to me by companies stating they would be contacting EXPERIAN to remove unknown credit inquiries. To speed up the process I sent copies over to EXPERIAN. Some have been since XX/XX/2018 which gives them more than 9- days to remove the inquiry. Yesterday I called and spoke with XXXX who was very rude with me. First he claimed EXPERIAN has " never received your letters sir! '' Then he put me on hold for 20 minutes and magically he was able to read me word-for-word the letters I have attached for you here. He then told me, " WE WILL NOT BE REMOVING THE INQURIES SIR. FOR ALL WE KNOW YOU WROTE THESE LETTERS. THEY ARE NOT OFFICIAL. WE HAVE NOT RECEIVED ANY INFORMATION FROM THESE COMPANIES DIRECTLY. NOPE! WE WILL NOT REMOVE. YOU NEED TO WRITE TO THE COMPANIES YOU HAVE SENT US LETTERS FOR AND YOU NEED TO TELL THEM TO SEND YOU OFFICIAL LETTERS SIR! '' Just rude! I've done my part as a consumer. These companies sent me letters on their letter head. I WANT THEM DELETED IMMEDIATELY! FURTHERMORE, at this point, I want my {$1000.00} per inquiry and per defamation of character. THIS IS PROOF EXPERIAN IS REPORTING WHATEVER THEY FEEL LIKE REPORTING AND THINK THEY ARE ABOVE THE LAW! 

In addition, I have proven I do no have a XXXX account. I have enclosed a letter that XXXX admits they can not even prove they have proof of a contract with them. No phone number for me, nothing! The email they took from the CFPB complaint! I want XXXX deleted immediately from my report and I want a check for {$1000.00} for listing the account, selling the account TWICE and DEFAMATION OF CHARACTER -- {$4000.00} EXPERIAN also claims they have the right to report any name they want to on me. I am ONE name. There are no variations of my name. It is clear accounts have been opened in my name using just my middle and last as well as my first name, middle initial and last. I ALWAYS USE AND SIGN MY FULL NAME. I DEMAND ALL ACCOUNTS NOT HOLDING MY FULL NAME BE REMOVED! Again, under FCRA I have a right to {$1000.00} for every account falsely listed using variations of my name that are not as I legally AM or PRESENT myself. 

The representative said if a credit card lists me as MIDDLE NAME and LAST they have they right to list it. NOT TRUE. THERE IS NO PROOF OF MY LEGAL SIGNATURE under FCRA it has to be removed -- at minimum while it is investigated. Then they have to write me 5 days notice before being able to put it on. 

HOW IS THE CFPB ALLOWING THIS NONSENSE
On XX/XX/, XXXX XXXX XXXX XXXX working as an agent for the XXXX at XXXX XXXX XXXX XXXX XXXX sold our home without giving us a new sales date after our Chapter XXXX end on XX/XX/. They sold our home the next day at XXXX XXXX  on XX/XX/. According to state law, the sale was subject to a 60 day redemption period. We were never informed of the foreclosure sale and we never received the Certificate of Sale which stipulates the sale is subject to the 60 day redemption period. One of our neighbors in the XXXX at XXXX XXXX XXXX was given a Certificate of Sale and was able to redeem their home. This occurred in XX/XX/XXXX. They were XXXX. 
We believe that blatant racial discrimination is the reason why we did not get the notice of sale nor the certificate of sale. We are XXXX. We are also both XXXX years old and this is also Elder Abuse.
Received a satisfaction of Judgement dated XX/XX/XXXX. They continued to garnish my pay until XX/XX/XXXX. When I contacted the company to be reimbursed I was told they needed time to update their files and s check was mailed to me on XX/XX/XXXX. As of today XX/XX/XXXX I  have yet to receive it. When I call I never get a straight answer. They even went so far as to tell me to check my bank accounts to see if it is there. They never had my bank info so that is another lie. The name of this agency is Portfolio Recovery Assoc XXXX XXXX XXXX XXXX XXXX Va XXXX
I opened an account at Citizens Bank ( XXXX ) in XX/XX/XXXX. The account was opened as a XXXX account ' - and I had discussed with the bank representative that I was opening a business account but would not be transacting with the account immediately. Due to family XXXX, my focus was redirected from the business. I did n't interact with the account again until this past month - only to see that the bank had begun charging a dormant fee in XX/XX/XXXX ... with continued charges until this past month ( nearly a year and a half ) - and never XXXX sent me a letter, by mail, to notify me of the issue. If their system flags inactivity and imposes a charge ... they can send a letter! That would have been more respectable customer service, alerting me to the potential issue.