WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received a copy of my Experian credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX on behalf of XXXX XXXX that I did not authorize. I have contacted XXXX XXXX XX/XX/2018 and was informed that I would have to send a copy of my drivers liscense and full social security mumber for validation purposes before they could help me with my claim. I do not feel comfortable with submitting such personal information to a possible fraudulent company. 
They also advised me to register with there so called credit bureau service to pull my credit report. 

They are advertised as a credit bureau affiliated with experian. I have never heard of this company. I XXXX this company and they have history of identity theft resulting in unathorized payday loans. I am afraid that submitting a copy of my photo id and full social will result in such fraud. I have never been asked to submit such personal info .. Also signing up for there credit reporting services and getting my report pulled would validate there inquiry claim. I feel this company is not legitimate and should be removed from my credit report before anymore damage is done. 

I have attached proof and request that you investigate this matter and remove it immediately from my credit file.
In XXXX XXXX, we purchased the home located at XXXX XXXX XXXX, XXXX, MA XXXX for {$490000.00}. At the time, we were promised by the mortgage broker that we would refinance in 3 months-time and get us out of the $ XXXX/month payment. 
o The sub-prime mortgages from XXXX XXXX XXXX, XXXX consisted of XXXX mortgages : XXXX Mortgage of {$390000.00} XXXX Mortgage of {$98000.00} Our numerous attempts in contacting the mortgage broker who told us that we would finance after 3 months would go unanswered. Phone messages were not returned and his when attempting to see him in his office, he was never available. 
In XXXX XXXX XXXX purchased the loan from XXXX, XXXX. 

This is a complaint and I respectfully request that your office provide me with competent evidence that you had the legal right to this property. 

Please provide me the written assignment of mortgage that serves as legal proof of the transfer of the loan from XXXX to XXXX and that contains the following information : The name of the assignor The names of the borrowers The date of the mortgage The original amount of the mortgage The original mortgage recording information The property 's legal description Evidence showing that the assignment of mortgage was recorded in the county records when purchased from XXXX XX/XX/XXXX. 

Here is some information on XXXX : XXXX XXXX XXXX
My TransUnion credit bureau was pulled by  XXXX   XXXX  Co on both   XXXX   and   XXXX   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
This is my second complaint against Wells Fargo. My first complaint number is XXXX. I have tried to negotiate with Wells Fargo and they refuse to work with me. I am sick and tired of the their lies and their manipulation of the system. My complaint is that I can not get a straight answer from them. Was Wells Fargo the lender/investor of my loan or was the FHA the lender/investor? This information is crucial because if Wells Fargo lied to me in order to steal my home for profit or gain, they are in violation of consumer protection laws. I had FHA insurance which I paid for. Could the FHA be the investor and also force me to pay them for mortgage insurance? That 's what Wells Fargo is telling me. XXXX XXXX, XXXX, XXXX XXXX sent the OCC a letter stating Wells Fargo was both the server and the investor but in XXXX of XXXX, XXXX XXXX told me, over the phone, that XXXX was wrong and the FHA owned my loan. ( I 'm sure it was recorded ) I wish I did n't have to deal with them. Wells Fargo chose to acquire my loan from XXXX XXXX XXXX , XXXX . I never asked to deal with them, they chose me. I purchased my home in XXXX of XXXX and XXXX of XXXX, my job claimed they did n't have the money to honor our contract and needed to negotiate a new deal. The body agreed to it so they could save jobs. I lost approximately {$400.00} a month from my income. I tried my best to stay afloat but I started to go under water very quickly. Every bill I had started to suffer. I contacted Wells Fargo to see if I could change my payment arraignments and send them partial payments for a while and they said no. They said the loan was not theirs and they could not alter the loan. They were ONLY the servicer of the loan and the FHA was the investor. I did n't want a modification at that time because I knew I would get my income back soon and I could get back on track. Well, I lost that battle XXXX XXXX, XXXX. Wells Fargo foreclosed on me. What made it worst was that they tried to push it through the courts expeditiously. Lucky for me the Magistrate said no. He knew there were programs to help me regain control of my finances. Although I took advantage of these programs, mortgage modification, Save the dream program, Hamp program, etc ...., Wells Fargo has come up with excuses to why they could n't help me. They even went as far to say that I did n't want the modification. I want to know if Wells Fargo would be considered the lender of my loan since they took over the loan. Also, does that make them the investor too or is that something totally different? Wells Fargo claims the FHA is/was the investor which is why I 'm writing this complaint. All I want is a straight answer. They already manipulated the courts, foreclosed, then bought the house at the Sheriffs sale. I just want my home back. If I have to sue Wells Fargo for that to happen, than so be it.
This concerns the XXXX XXXX and Synchrony Bank. They say I owe a past due amount of XXXX} and they charged a late fee. But on my statement, it says I do n't owe anything until XXXX/XXXX/XXXX. They were driving me crazy with phone calls so I called them back and found out about the so-called late payment. But they did not take into account that In XXXX I paid XXXX  twice. I asked them to show me on my statement where I was late and they said they do n't do that. They just lump the late payment in with the current payment and give you a new due date. Therefore I was not aware that they thought I was late. And if I was truly late, I was not aware of it because I can not find a statement that says I owed XXXX XXXXXXXX.I think Synchrony Bank does this deliberately so they can justify late fees. I often pay ahead of schedule but these payments do n't seem to count. 

I tried to address this on Chat, but twice I got cut off. Apparently, they make it as frustrating as possible to deal with them. 

The current statement shows a payment due of XXXX, which includes the late payment, due on XXXX/XXXX/XXXX. This is not a problem as I will pay it with no problem. But I want Synchrony to stop hiding late fees behind lump sums of amounts due. They are doing this deliberately and I want them stopped. Any reasonable company shows past due amounts on their statements. 

I have searched my computer and my XXXX account and I can not find where I ever saw anything that said I owed XXXX. But the fact that I paid XXXX twice in XXXX tells me that amount should have been covered. 

On the attached XXXX statement you will see that no amount due is shown. 

I would advise anyone not to stop receiving paper statements because e-statements are too easily altered in their favor.
I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX  I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}
I have on two occasions now contacted Navient to take me off Income-Driven Repayment ( IDR ) as the loans are accruing around $ 1k of interest a month ( I owe almost 270k,  go XXXX XXXX ). 

The first incident was in XX/XX/XXXX, where I received verbal confirmation from their customer service rep that I was to be taken off IDR. 

This never happened. When I looked at my student loans again this XXXX ( XXXX ), I had not been taken off IDR,  and had accrued additional interest. I called Navient again, again received verbal confirmation. The representative indicated that I would see changes to my account after payment was drawn for XXXX. 

Payment was drawn for XXXX, and I am still not off IDR. I plan to follow up daily until they hopefully take me off this plan, but each month these people hold my loans hostage and make ~ {$1000.00} in interest, I am unable to get off IDR, and I am unable to refinance them or move them to a different lender. 

It honestly feels like I am being held as a financial hostage by this organization and don't know where to turn to.
I've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with Equifax, XXXX and XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by XXXX XXXX
This was an XXXX DOLLAR CHARGE FROM 2013!! I PAID IT OFF MORE THAN 40 DAYS AGO. IT IS STILL SHOWING UP ON MY CREDIT REPORT ON XXXX. THE PEOPLE AT LOUISIANA RECOVERY SERVICES ARE SO STINKING RUDE!!!!
Equifax is erroneously reporting my address as XXXX XXXX XXXX XXXX. It is XXXX XXXX XXXX XXXX. 

XXXX XXXX is NOT my account XXXX XXXX is an open account ( not closed as being reported in their files ).
I paid the XXXX an amount of {$390.00} on XXXX/XXXX/2016 to pay my past due amount on the final move out amount. The account was taken to a collection agency on XX/XX/2016. I have since contacted the collection agency to advise that I paid the account in full to the creditor. The agency will not cease collections and update my credit file to show that I am paid in full. The name of the collection agency is the National Service Bureau. Their contact information is XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, WA XXXX XXXX.
My mortgage loan has transferred between multiple mortgage companies and services in a short time frame. From XXXX, to XXXX XXXX XXXX  to Green Tree to Ditech in about late XXXX. In the process it appears that some of our payment history has been lost and continual changes in the format and communication of mortgage bills and escrow history have created what appear to be major errors in the reporting of my escrow balance. I wont this property with with a co-brorrowe who sometime around XXXX filed for bankruptcy. At that time, Green Tree discontinued detailed reporting of my payment history and escrow, but then after the bankruptcy was discharged began to state that my mortgage was past due and made reporting to the credit bureaus. 

Although I continued to make the mortgage payments, despite the bankruptcy situation with the co-borrow. While I did n't not agree with the reporting, I went ahead and made the increase payments in hopes of correcting my past due balance. Now, I recently received a notice from Ditech that my payments again past due. The customer service rep stated that it is due to a change in escrow amounts. I understand that taxes and insurance amounts can change and therefore create a difference in my payment on an annual basis. However, the Ditech statements are extremely confusing and all of a sudden the Ditech representative is stating that I have an escrow balance of over negative {$12000.00}. This makes absolutely no sense, if my payments are being adjusted to reflect and overage and/or shortfall of my escrow. So, how in the world can or WHY IN THE WORLD would Ditech continue to roll forward a negative escrow in that amount. That seems to be like an additional debt they are saying that I owe that I am not in a position to take on, or and I interested in taking on additional credit for this property. 

I have contacted them multiple times in the past and my co-borrower has also contacted them but keep receiving varying explanations. I feel like they are taking advantage of our situation with the handoff from Green Tree and the fact that they know a borrower will try to protect their credit and might just go ahead and pay WHATEVER they say is owed. I have never heard of a mortgage company accusing a borrower of owing an escrow balance of {$12000.00} when the loan balance is about {$45000.00}, the taxes about {$2300.00} per year and insurance of only {$700.00}. This loan has only been with Ditech for less than 2 years.This seems like a scam.
On XXXX/XXXX/XXXX, I purchased a used car from XXXX XXXX XXXX in XXXX, WA using pre-approved financing which I had obtained through CapitalOne Auto Finance  ( I 've uploaded the vehicle sale contract from XXXX XXXX XXXX and the first monthly statement that I received from CapitalOne ). 

Per my contract from XXXX XXXX XXXX : APR : 6.61 % Number of Payments : 72 Amount of Payments : {$300.00} Finance Charge : {$3900.00} Amount Financed : {$18000.00} Total of Payments : {$22000.00} Total Sale Price : {$22000.00} Per my first monthly statement from CapitalOne Auto Finance : Amount Financed : {$18000.00} Interest Accrued this Period : {$78.00} Ending Balance : {$18000.00} What does not seem right to me is the 'Interest Accrued this Period ' charge of {$78.00}, which was not disclosed at the time that I executed the contract with XXXX XXXX XXXX . I called CapitalOne and they said that it was per diem interest accrued from the day that I purchased the vehicle toXX/XX/XXXX While I do understand how per diem interest calculations work ( I work in the mortgage industry ), I do not understand why that interest was not disclosed to me or factored into the final numbers when I purchased the vehicle. 

I was also told by CapitalOne that my first payment is due on XX/XX/XXXX and my last payment is due on XX/XX/XXXX, which is a 73 month term and is not what I agreed to. By my calculations, the 73rd payment would be for {$78.00}, which is the amount of the undisclosed per diem interest that I did not agree to. Please advise.
I am writing to you on the advice of XXXX XXXX XXXX 's XXXX with the hope that you can help me. I basically, through my lawyer, XXXX XXXX have been trying to avoid Foreclosure and am still in Mediation with NationStar/Mr. Cooper and have turned down there Modification offers of {$1900.00} and {$1900.00}. The original Mortgage payment was {$2200.00} on a mortgage of approximately {$310000.00}, this makes the modification {$270.00} and {$300.00}. I lost my husband on XX/XX/2015 and my income was cut in half so I was not able to afford the then current mortgage payment of {$2200.00} and also can not afford the two modification amounts of {$1900.00} or {$1900.00}. I feel that Nationstar/Mr. Cooper should make the modification offer one that would enable me to pay the mortgage and stay in my home of 25 years. That being said, my husband and I paid our mortgage on this home on time for 22 years. My now having turned down these offers and these, according to XXXX XXXX, being the only offers Nationstar/Mr Cooper will make, my lawyer has now initiated a " Short Sale '' pricing the home at {$150000.00} and an offer has been made. ( If I were paying a mortgage on my home being accessed at {$150000.00}, the mortgage payment with 20 % down would be approximately {$880.00}. ) The offer has been made by my neighbor and she would like to rent my home to me for a couple of years pending the marriage of XXXX of her daughters, she lives in the house next door and grew up there and her XXXX lives in the house on the other side which was her Grandmother 's home. I am asking Nationstar/Mr.Cooper to waive the " Arms Length '' Affadavit so that if the sale should be accepted that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Nationstar/Mr. Cooper refuses to do this. I am XXXX XXXX XXXX on a very limited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Rents in this area are very expensive and I don't have the funds to move a great distance, I also have four elderly cats and a lot of rentals don't take cats. I am doing everything I can to stay in my home of 25 years and need help. Thanking you so much for your consideration.
Miss appropriated payments : My wife and I have a mortgage on our house in Oregon that we purchased with a XXXX. It is being processed by Dovenmuehle. XXXX describes Dovenmuehle as a trusted third party. 
After about 2 1/2 years on the 15 year mortgage, and numerous disappointing experiences with Dovenmuehle customer service, my wife and I decided to pay off the mortgage early so we do n't have to deal with this dishonest and discourteous company any further. We have been sending in additional payments marked " Principal Only '' on a regular basis, every two weeks, and also larger amounts occasionally, when we can. 
Numerous times the " Principal Only '' payment is not posted to principal even though we have done what both institutions ask. The payments go to " XXXX - PRINCIPAL ONLY '' Our regular monthly payments have never been late. Our last payment of { {$1900.00} } was once again applied wrong. It was applied as an additional monthly payment instead of a payment to principal. This despite the facts that XXXX takes this money directly out of my account and sends it to the Dovenmuehle address for payments to principal. There is actually no physical check, the payments between XXXX and Dovenmuehle are electronic using the XXXX Bill Pay. 
I would like compensation for additional interest charged because of this intentional and repeated misappropriation of funds. 
I would also like compensation for the 17 hours and 20 minutes spent on the phone in the past 6 months trying to get Dovenmuehle to credit payments correctly. 
I am not the only customer with this complaint. Please refer to Complaint ID XXXX and XXXX. This is not an isolated incident. This is intentional misconduct and I request you fine XXXX and Dovenmuehle for willful disregard of banking regulations. I also request that The Consumer Financial Protection Bureau audit all loans serviced by Dovenmuehle for similar misconduct.
On or about XXXX XXXX, 2017 I applied for a Loan with XXXX XXXX XXXX XXXX. This Company Deposited Cash into my account so I tort. Found out later that it was personal checks by Phone into my account. I wrote TD Bank about this matter and there VP Investigator XXXX XXXX XXXX Replied to me in this matter Sense you gave your infomation to this lender you are held responsible for these checks because It 's your Bank account. " WOW '' Let me brake it down one more time to XXXX in steps 1 ) Cash Deposit is available RIGHT AWAY 2 ) EFT Deposit is available RIGHT AWAY 3 ) Government and Company Checks are held for 2 to 3 Business Days 4 ) Personal Checks are ( HELD AND CHECK TO MAKE SURE THE ISSUING BANK HAVE THE FOUNDS TO COVER WHAT IS WRITTEN ON CHECKS ITS ONLY AFTER THAT THE FOUNDS WILL BE RELEASE INTO YOUR BANK ACCOUNT. With in 5 to 7 Business Days. Confermation # with TDBank is XXXX the amount cease by this Bank is over {$3800.00} Dollars Pluse pain and suffering and the taking my sons XXXX Check
Monday XX/XX/XXXX I spoke to a representative from nationwide explained that i was in the hospital and to not call at this time. Wednesday XX/XX/XXXX i received another call from a representative from what seems to be a personal cellphone calling again getting aggressive asking for his car after I said I spoke with your company earlier this week explaining Im in the hospital and to not call me. It is harassment, its one thing to be called in attempt to collect a debt but when you ask for peace while in the hospital you should receive it. I answer the phone for nationwide on a frequent basis explaining to them theyve placed a garnishment on my wages and it is putting me in financial hardship and that i dont have the money to pay anything current they call everyday saying well we wanted to know if anything changed. I have had to yell and scream while in the hospital bed at this representative elevating my XXXX XXXX and causing pain because this company can not respect time in the hospital. Then i called to speak with a supervisor i spoke with XXXX XXXX she is no better than the representative instead of addressing the fact my time to recover has been disturb she starts going into how late the account is.
On XXXX/XXXX/2017, I called BOA, to find out how much my interest would be, if I do'nt pay off the balance of my " balance transfer '', that I did few months back. When they disclosed how much it would be- I said : oh my, that 's a lot. Then he said, they can reduce the interest charges, and forwarded me to another banker., who offered to reduce the interest, but also said " we can increase your credit limit '', in a very helpful tone, as if it 's in her power, to do so. I said " how much ", she told me the amount she would increase, and I asked her, " do you pull my credit report "? -- She said oh yes, -I asked " is it going to be " soft pull '', or Hard pull "? She said Oh, " we do n't know about it, -- anyway it 's already done ". I was shocked. 
I did not want any XXXX to do a hard pull, as I was about to start on a " refinance '', on my home, within weeks. Next day, I received my " XXXX XXXX '', report saying, '' there was a hard pull, do you recognize this company?. ". I was furious, and very upset, because, without informing me, her itchy hands had already forwarded my card number to Credit Agencies, acting as though, she was very sympathetic, and understanding, and as if SHE was inreasing my credit limit, on her own. Why do they deceive us, why ca n't they be honest, and transparent? Why do big banks like BANK OF AMERICA, hire such idiots, who say " they do n't know, if it is a soft pull, or hard pull "? I AM DISPUTING THIS UNSOLICITED CREDIT INQUIRY. They are trying to whip up more loans, just like another big BANK did recently, and was subjected to severe fines, which story every one knows. I want Bank of America to " WITHDRAW THIS INQUIRY '', FROM MY credit report, ASAP. 
Thank you for your helpful service.
LVNV COLLECTIONS IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND XXXX HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT
A XXXX XXXX called between XXXX XXXX on Tuesday of XX/XX/XXXX. She said I have 3 counts against me and that I will need the amount of {$6000.00} for bond or spend time in jail until my court hearing and if ca n't pay spend up to 2 years in prison. 
The three counts are 1. intent to defraud, 2. thief of use weapon or something like that, 3. larceny by check. 
The company name is XXXX XXXX, check was supposedly written back in XX/XX/XXXX for the amount of {$350.00}.
There are fraudulant charges on my Barclays Bank credit card from XXXX : XXXX XXXXthey were never charged by me or my familyBarclays bank claims that they will look into itthey never looked into it and wo n't credit my money backthis month a similar chage has comeI ca n't get my money back
I called Bank Of America about my tax statements from XX/XX/XXXX-XX/XX/XXXX I was told they could only provide me with XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I feel this is fraudulent I need those tax statements ASAP
Paypal has open a line of credit, Keep the available credit and displayed a false balance of alaviable credit. Credit line is {$2700.00}. As of this date the available credit is stated as XXXX. Where did the available credit go. I was not given the proper amount of credit, due to I have my mineral rights under the Mines and Minerals Act of 2009. The account email address is XXXX. Please send opening account documents to my email account. The PayPal Credit account number is XXXX-XXXX-XXXX-XXXX. Paypal Credit, did not issue a Card, as requested under the Fair Credit Billing Act.