WillisBack/dataset-financial-user-claim huggingface dataset:
While out of work and searching for a new job in XXXX, I proactively requested a mortgage loan modification from Roundpoint Mortgage ( XXXX XXXX because I was unsure how long my job search would last. 
I have never missed/been late on a mortgage payment in 30 years of home ownership and I did n't want to start then. 
RPM and I began a protracted, XXXX loan modification process characterized by having to resend the same paperwork multiple times and XXXX different points of contact that changed without prior notice. 
I made all reduced payments on-time as directed by the loan modification group. 
The net result of my loan modification was a $ 200+ decrease in my mortgage payment and I am totally current. 
During a review of my credit history in XXXX, I discovered that RPM had reported me to the credit reporting agencies as making late payments during the loan modification process even though I was compliant with all instructions from RPM. 
A month of calling and talking to many people at RPM ensued, and despite assurances that it would be taken care of, which yielded no results on XXXX XXXX, XXXX. RPM would not change their reporting me as making late payments. 
This is an unfair business practice. I followed all RPM instructions completely. 
I should not have to bear the brunt of what appears to be a communications gap between the regular mortgage and loan modification groups or a generally bad business practice. 
I request that Roundpoint Mortgage contact the credit reporting agencies ( XXXX, XXXX and XXXX ) and remove the late payment reports from my credit history.
NOTICE OF WELLS FARGO BANKS, N.A. MATERIAL VIOLATIONS UNDER CALIFORNIA HOMEOWNER BILL OF RIGHTS ( HBOR ). 
See attached letter dated XX/XX/XXXX which demands that Wells Fargo Bank comply with California 's XXXX. 
Because Wells Fargo Bank has refused to comply with California 's XXXX, and given the evidence that Wells Fargo Bank has committed fraud and altered documents in my specific case, I am asking the Consumer Finance Protection Bureau to forward my CFPB case files to California 's Attorney General so that this evidence of fraud can be presented to the grand jury now authorized under California 's Senate Bill No. 1474. ( see attached CALIFORNIA SENATE BILL No. 1474 Approved by Governor XX/XX/XXXX.Filed Secretary of State XX/XX/XXXX. ) Wells Fargo Bank is knowingly and intentionally concealing from the Consumer Finance Protection Bureau and Courts evidence of fraud and lack of an accounting for this loan. Attached are several relevant court cases which categorically prove that despite Wells Fargo 's denial of wrongdoing, they are in fact committing fraud upon our Courts and Governmental Agencies. 
As a result, I have also decided to bring claims against Wells Fargo Bank in both State and Federal Court. 
VERIFIED COMPLAINT FOR INJUNCTIVE RELIEF AND DAMAGES UNDER CALIFORNIA HOMEOWNERS BILL OF RIGHTS : 1. FOR DECLARATORY RELIEF ; ENJOIN FORECLOSURE FOR INVALID BENEFICIARY, IMPROPER TRUSTEE [ C.C. 2924 ( a ) ( 6 ) ] 2. TO QUIET TITLE TO REAL PROPERTY ; 3. CANCELLATION OF INSTRUMENT [ C.C. 2924.11 ( D ) ] ; 4. PREVAILING PARTY FEE AWARD CC 2924.12 5. UNFAIR COMPETITION LAW [ C.C. 2924.12 ( G ), B & P CODE 17200 ET SEQ. ] ; 6. FRAUD/MISREPRESENTATION/DECEIT ; 7. FOR AN ACCOUNTING ;
Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXX that person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error
American Honda Finance is wrongfully reporting negative information on my credit report. Last month I went to apply for a loan with my bank but was declined the loan. I was advised that due to being late on my car payment that the loan couldn't be processed. I decided to pull a copy of my credit report to see what was reporting from Honda. Not only was it upsetting to see that Honda was reporting incorrect information, I also noticed that my credit score lowered due to the reporting by 40 points. I contacted Honda to inform of the reported late payments and was advised that no payments were reported late. 



I requested a payment history review and was advised that two of my payments dated XX/XX/XXXX and XX/XX/XXXX were paid towards late fee 's and not the payment due. Honda has reversed the payments but still reported that I was 30 days late each time. I am attaching the loan payment history for the moths in  question along with a copy of the current credit reporting from Honda.
On XXXX XXXX, 2017, I was spoke to XXXX XXXX  in XXXX, Oregon about purchasing a used vehicle. I am self-employed as a XXXX XXXX who does XXXX XXXX XXXX and while I realize lenders don't like that, I didn't expect them to put 11 hard inquiries on my credit. Also, they put that I worked at XXXX and XXXX XXXX XXXX. I've never worked at XXXX, and I didn't tell them that I worked at XXXX. And, as far as I know, there is no XXXX XXXX XXXX and I don't have a company by that name, or any company for that matter. I was told by Transunion and XXXX  that I can not dispute the information, and that I would have to get a letter from the dealership. When I call the dealership, they will not speak to me or they take a message and no one gets back to me.
opened a checking account online. 
next day, deposited company check into ATM branch, receipt received. 
same day received email alert to call them called, they state they do not want to do business, account closed. 
next day, called again, check deposited ok, account closed and locked, unable to access funds called again, security team states the originator of the check has to contact their bank to have funds " pulled '' back and another form of payment issued.
I paid off the account in XXXX and when I received my most recent reports, they are now reporting me late in XXXX on a closed account! 

I have repeatedly asked them in writing to report accurately or remove the accounts but they just seem to ignore me and their responses on the credit report say " they verified that the account belongs to me & reported me 90 days late 3 months in XXXX ''. I never asked them to verify if it was my account, I asked them to remove the late payments in XXXX on an account that was PAID & CLOSED in XXXX!
I located a XXXX post for an upcoming XXXX XXXX game and texted the seller about the tickets on Saturday, XX/XX/2019. 

- His original cell phone number was XXXX. 
- The offer was for 4 tickets, {$90.00} each. Total of {$360.00}.

- The agreement was for the seller to transfer 3 of the 4 tickets to my XXXX account first, then I would send payment, then he would send the 4th ticket to complete the transaction. 
- I received an email from XXXX at XXXX that 'XXXX XXXX sent you tickets ' - The transfer was complete and I had 3 of the 4 actual tickets in my XXXX account - Then the seller asked if I can pay with an app called XXXX. My bank, PNC Bank, is integrated with XXXX so I felt comfortable using it at the time. 
- The seller sent a payment request to my XXXX account from XXXX XXXX ( XXXX ) XXXX ' for the {$360.00} payment we agreed upon. 
- I accepted it, and the seller told me I would have the 4th ticket soon as he was transferring it. He never did. Stopped responding to text messages, calls, etc. 
- I received another email from XXXX at XXXX telling me that the tickets which were transferred into my account were fraudulent.. " Unfortunately the original tickets were obtained fraudulently and the original order was cancelled which means the tickets transferred to you are no longer valid for the event '' - I called my bank, PNC Bank, at XXXX to put a stop on the payment to XXXX since it was still pending. They instructed me that because it was still in flight, I had to wait until it posted for them to do anything about it. I was told to call back on Tuesday morning. 
- I called back Tuesday morning, and PNC told me there was nothing they could do.
I had transunion for 2 years and there was XXXX time I went to the bank to get a credit card. I had looked up my credit score on transunion they said it was in the XXXX range so I went and applied for a credit card. Bank calls me back and tells me that my score is a XXXX which is too low for them but more alarming is that the difference of XXXX points and now because of that I have a bad hit on my credit for getting denied. Complained to transunion they said they could n't and would n't do anything about it.
someone used my name, my daughter 's name and our socials to file income tax. 
Also someone tried to use my social to obtain credit cards I filed police report, due to some of my personal documents were missing from my apartment at prior address in XXXX Also filed Identity theft affidavit
XX/XX/2017, {$350.00}, the ladie in a XXXX XXXX ask me about if i want a credit store and i said NO i have to much credit cards to pay and she told me it 's not a credit card it just a application to see if you qualified for purchases and i filed thinking this do n't go to affect my credit report so then some days later I 'm receiving a credit card from that store " XXXX XXXX ''! 
The point is she told me to much lies to make me apply for that card and now I 'm no sure if trying to close this account this going to affect my credit and I want to report the store and the " lier lady ''
There are Inquiries reported in my credit report and I have never authorized to run my credit report.
There is a Bank of America account listed XXXX which was an auto loan the car was totaled out and I was told do not do anything as the account is frozen until the insurance company reports back to BOA which I did what I was told to, the auto loan was paid off but after pulling my credit report now this paid off account is reporting a 60 days late which is NOT accurate. I need some help here I care about my credit rating and this is very hard to handle as I do not pay my bills late.
There are 2 credit inquiries on my Equifax credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. I have never applied for a credit card with neither of these companies. I spoke with Equifax and with both credit card companies. The credit card companies told me that there is no information about an application in my name in their systems. I then reached out to Equifax to report fraudulent activity on my credit report and disputed both inquiries. I would like for these two inquiries be investigated and removed from my credit report.
From my credit report : In XXXX, XXXX XXXX charged off the credit card account balance ( XXXX ). In XXXX, 2 years later, R A Rogers, INC collection consultants purchased the bad debt from XXXX XXXX. Currently, both parties are reporting on my credit report, being penalized twice for the same debt. Additionally, I have never received communications from Rogers Inc. in relation to the purchase of bad debt or the notice of right to dispute. Is there not a statute of limitation on when the debt can be sold/purchased? Is there something in FCRA, FDCPA, UDAAP that states it can not be reported twice on the same credit report? It seems unfair to be penalized twice through credit bureau reporting. Something does n't feel right with this process. It is damaging my credit history and it needs to be addressed.
I currently and since XX/XX/XXXX, have a car loan through Kia motor finance. I have made payments late but NEVER over 30 days. In the past I was 15 days late on payment and Kia contacted me but, when the did they introduced themselves as a different company, I believe it was Hyundai motor finance?? they called me and asked me for my personal information before they would speak to me and since I did not have a loan with Hyundai ( and anyone could call and ask for my information!! ) I became suspicious and would not speak with them. They were extremely rude. After I got off phone I called Kia back within in 24 hours and explained what happen. I they realized, at least I think, that the same company must collect for both kia and Hyundai. This happened to me 3 or 4 times when I had been 15 days late. Each time I complained and requested no one would contact me by phone again but rather by mail, I even on one occasion sent a letter with my request not to be contacted by phone. My request was never honored. I still received threatening phone calls. I always made the payment by the 28 or 29 day, if not sooner, directly to Kia and I always contacted them to let them know when I would make the payment and why I was late. Again this did happen several times through out the loan. In what I believe was XX/XX/XXXX, I spoke to someone at kia, again complaining because someone had called and was rude to me on the phone. This person was very nice and offered to extend my loan 1 month which would help me get caught up and I would not be late each month. She seem surprised that no one had offered to do this for me in the past. She actually extended my loan two months ahead I believe. I told her about the rude customer service I had received and she apologized and ASSURED me that I had never been turned in to the credit bureau. Earlier this year I received a copy of my credit report which showed that prior to talking with her Kia reported me to the credit bureau 4 times!!! None of which I was 30 days late, but they said I was!! I disputed this through the credit agency but still would not remove from my credit report. I contacted Kia and tried to get information about who I spoke to XX/XX/XXXX. They refused to put me to the correct department stating they would not take my call then they refused to tell me who I spoke to XX/XX/XXXX who extended my loan and told me that I had not been reported. After arguing they did give me an ID of XXXX?? I am not sure how this will help me since I can not be put in touch with this employee. I do not know how to have these false reports removed and why would someone at Kia lie about reporting me in the first place?
Ocwen has not responded to our request to validate our debt. Specifically, our mortgage was bundled in with several fraudulent activities including, Robo signing, improper disclosure of interest rate calculations prior to closing, illegal handling and reporting of escrow account payments and credits, and improper crediting of payments under federal modification agreements. 

All amounts said to be calculated or previously owed have not been accurately reviewed or proven to be correct. 

A request was made in writing disputing the validity of the debts, calculations or interest, subject to federal and settlements and legal proof to continue to be able to report all facts represented in the consumer credit report. 

This request was certified return receipt and has yet to be answered with any proof or mere correspondence, but continues to be an adverse action on my consumer credit report.
In response to my dispute to Equifax to Validate public records listed under my name, Equifax has somehow obtained my personal pay stubs listing my income along with other private information showing how much I pay for my 401k and how much money is deducted from my Social Security. This is a privacy breach because I never gave anyone AUTHORIZATION to obtain or furnish my paystubs containing my income.     Equifax has already deleted this from my credit file after my reinvestigation and has now reinserted this information back to my file without prior notification to me.     In failed efforts to provide VALIDATION on the public records Equifax contains in my file Equifax has now violated me by obtaining identifiable information by mailing me copies of my paystubs.     Using my personal paystubs as a document to support or validate the public records is a privacy breach and consumer violation as my paystubs does not support the case of VALIDATION to information contained in ones file on filing for. Equifax contains in my file is not public record. My personal income is not public record.
Back in XX/XX/XXXX I was received a phone call from Transworld Systems stating I owed on an old auto insurance policy with the company I still have insurance with. They claimed to have sent me letters to an address I had lived at 5 years prior. The lady wanted me to pay over the phone and I told her I dont give my credit card out over the phone as Ive had my info stolen before doing such. I told her to send me a bill and I would send them a certified check. A month later I received a letter explaining the debt I owed but no way to send them a payment. I tried going on their website to pay the debt but that didnt work either and so I sent them an email asking for a registration code to get on their website. Finally on XX/XX/XXXX about 2 months after sending that email I finally got a letter with the registration code to log on their website. Tried using the code and it didnt work.
I applied for a loan of {$1000.00} with Big Picture Loans on   XXXX   XXXX  , 2017. I could not access my online account so I called one of their representatives to obtain my login information. She instructed me to use my email address and social security number as my login information which I did while on the phone with her. Once I logged in, I was able to see the payment terms and schedule ( which was extremely high and usury ) and told her I did not want the loan. She said that it was fine and to call them if I changed my mind. On   XXXX   XXXX  , 2017 Big Picture Loans deposited {$1000.00} into my account. I immediately contacted them using their support email address and informed them that i did not approve the loan and to reverse it and take the money out of my account. After not seeing the money removed, or obtaining a reponse, I contacted them by phone and went through an arduous process of verfication, two calls to my bank, before they agreed to remove the money. They informed me that the money would not be removed until   XXXX   XXXX  , three days later. I told them that was unacceptable and said that I wanted to pay it back to them at that moment, using a card that was attached to the same account where they deposited the funds. They refused to accept the payment and told me that if the funds were not available on the  XXXX , then I would be bound by the contract. i again offered to pay the money back while on the phone and told them that I could not assure them that the money would be there on thr   XXXX    because of transactions going through my account. They once again reiterated that if it was n't I would be bound to the contract.
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I believe this is an infair business practice in so man y ways but the main issue that i have is that they gave me money that i did not request, and have now threatend to bind me to a contract that i did not want, sign, or approve simply because I may not be able to return the money they put in my account without my approval.
I have repeatedly requested that BLACKWELL RECOVERY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
I have sent Capital One several requests for validation and investigation regarding XXXX accounts listed on my credit report. I first reported them as fraud but Capital One said they had limited information. I 'm not sure how else to say it 's not me!!!. I asked for validation and investigation including my original signature and they keep sending letters that say they need more information. The letter Capitol one sends only has the last XXXX numbers in an account showing- the accounts listed on my credit report do n't show the last XXXX numbers. There is no way to match them. I sent 3 request to the credit reporting bureaus and they can not validate the accounts either, Capital one needs to delete me from their system they have had more than 3 months and multiple requests to provide complete and accurate information and they have not done it.
On XX/XX/XXXX I contacted XXXX XXXX and spoke to XXXX. I wanted to cancel the scheduled payment for XX/XX/XXXX and spoke with him about a newer date for payment ( XX/XX/XXXX ). He was in agreeance. He stated he would send this over to my account manager XXXX and we ended the call. 

On XX/XX/XXXX I checked my bank account and noticed there were two transactions from XXXX XXXX. One for {$670.00} and the other {$33.00}. I called and spoke with XXXX and in the called she stated that XXXX 's notes from XX/XX/XXXX were not consistent with my claim with her ( XXXX ). XXXX then told me that XXXX ran the payment on that day ( XX/XX/XXXX ). 

I called XXXX later on in the day ( XX/XX/XXXX ) XXXX stated that we made an agreement for the payment for XX/XX/XXXX and that he initatied the payment despite me calling and cancelling it on the same day ( XX/XX/XXXX ) I believe there are some serious ethical issues involving the billing practices at XXXX XXXX and they need to be addressed. 
I did not authorize XXXX or anyone at XXXX XXXX to run that payment on XX/XX/XXXX. I only canceled the payment for XX/XX/XXXX. 

This is the short version of what has happened. 

Please also keep in mind that I record all of my calls and can accurately back up everything stated in this form.
Citibank is refusing me access to manage my own account. They've demanded that I look at all sorts of issues on my end of things ; however, it is definitely a problem on their end. After a week of back and forths ( including multiple attempts to contact someone at CitiBank who can help ), I'm at wits end. Citibank is refusing to allow me to stop transfers out of my own account. The only error information they give me is : " We've encountered an issue and are unable to complete your online transaction. If you're having problems completing this process, please call Customer Service at XXXX press Option 0 then option 7, or call XXXX XXXX if you are outside the U.S . Please have your ATM or Debit Card number available. ''
On XX/XX/XXXX I mailed Transunion a certified letter disputing the accuracy of the bankruptcy on my Transunion credit report. I received Transunion 's dispute result, file # XXXX datedXX/XX/XXXX, which stated the following : Page 1 of 5 states - " In the pages that follow you will see your detailed investigation results, including the business name and contact details of the source of the information. '' Page 4 of 5 states - " Ohio Federal Court -  XXXX '' along with their docket #, address and phone number. On XX/XX/XXXX at approximately XXXX XXXX I called Transunion to ask if they contacted the court directly to verify the bankruptcy information. XXXX XXXX was who I spoke with and she stated that Transunion verified with the court. This is a FALSE investigation because I have an official letter from that U.S Federal Court stating " Please be advised that the Clerk 's Office does not report any information to the credit reporting agencies. '' Transunion did NOT contact the court as they stated in the dispute result and I am asking that the bankruptcy be removed from my Transunion credit report due to the dishonest investigation done during this dispute. I have attached the Transunion dispute result and the letter from the U.S. court.