WillisBack/dataset-financial-user-claim huggingface dataset:
In CFPB Filing # XXXX XXXX XXXX XXXX XXXX stated that they CAN summarily make changes to a Mortgage without the PRIMARY signatories signature, by virtue of a Divorce Decree. In the Divorce Decree between myself and XXXX XXXX XXXX is a SPECIAL WARRANTY DEED, which is NOT THE same as a Quit Claim Deed. I have checked this with several Lawyers and even with the FBI. So, instead of fixing the problem, XXXX decides to CLOSE the offending case file, then open a NEW ONE, again without my signature. So, since XXXX XXXX XXXX can not pay on time, it shows up on my credit report. This is getting very tiresome, and this is exactly what XXXX XXXX was fined XXXX of dollars for, opening accounts without permission from those people. I want this stopped immediately. 

This is their response for Complaint # XXXX : We 've been unable to establish contact with you regarding you concerns about the credit reporting of your account. A Divorce Decree and/or Special Warranty Deed may transfer title to the property, but it does n't affect the original terms of the Note. Since you 're a customer under the Note, we 'll continue to report this account under your name to the consumer reporting agencies. On XX/XX/XXXX, we mailed you a notice that we were making a change to our servicing system. We did not open a new account for your loan, we simply moved your existing account to another servicing system within XXXX XXXX. Effective XX/XX/XXXX, your loan number changed from XXXX to XXXX. The account is currently due for the XX/XX/XXXX payment. 

I have never been contacted with any of this information. Ever. I am willing to submit my home phone number logs ( XXXX ) XXXX or my cell phone logs ( XXXX ) XXXX as evidence in Federal Court to prove that they never bothered to attempt contact. As I am a Federal Law Enforcement Officer, they have committed a Felony under 18 USC 1001. XXXX XXXX continually commits the exact same type of Fraud that they were convicted of in Federal Court. Also, they FAIL TO MENTION that they CHANGED the note WITHOUT my signature or consent, their OWN paperwork shows where my SIGNATURE is REQUIRED, yet they changed the NOTE at that point. 

The CFPB seriously needs to investigate this. I have contacted the FBI and XXXX concerning this matter. They have BOTH said what XXXX is doing is ILLEGAL yet it does not meet their threshold for prosecutions. The CFPB needs to investigate and prosecute XXXX. XXXX can not have it both ways they can not deem my rights as primary signor null and void, materially modify the terms of the mortgage, and then set up a new mortgage account all the while telling me that I am still responsible for the note that is not the original note that I signed.
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing. PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. Trans Union is reporting negative information from XXXX, and XXXX XXXX XXXX ( Car Account ) which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood. The information they are reporting is not identically shown on my reports from XXXX, and XXXX.
XX/XX/XXXX, my mom passed away, leaving me to deal with the mortgage, on XX/XX/XXXX I noticed that the escrow account was not being properly handled and paid. I requested to cancel the escrow with the lender and proceeded to pay the taxes and insurance on my own. Ocwen " the mortgage company " were still charging me escrow in my payment. therefore over charging me. I called to get things figured out. A man name XXXX who stated to stop making payments until they can figure it out. They have yet to do so, even after months of talking with several different people from Ocwen. So I decided to start paying it for fear of foreclosure and false info from the bank. I mailed a paymant, hoping that would at least get some attention on my account. The bank Mailed it back. Now the bank os refusing to take any payments. They have refused to stop charging me Escorw and now are refusing to talk to me or even transfer me to a supervisor. I need help because they are unfairly handling my mortgage, as well as over charging me in fee 's and escrow. I believe they are taking advantage of me and I do not know where else to turn .Please help me.
On XXXX XXXX, 2015 I submitted a wire transfer through Wells Fargo Bank to a hotel in XXXX. Wells Fargo was given the name of the bank and the account number in XXXX. The transfer said the beneficiaries account would be credited on or before XXXX XXXX. This did not happen. After XXXX XXXX, I was contacted by Wells Fargo and told to have the beneficiary take a form ( that did not reference the transfer ) to the intermediary bank in XXXX. When I sent the form to my beneficiary they refused to go to the intermediary bank and asked why their account had not been credited. When I contacted Wells Fargo 's international department they stated that the intermediary bank merely wanted the beneficiary 's email address and phone number. This was completely inconsistent with their earlier instructions. Because my arrangement with the beneficiary has fallen through due to the failure of Wells Fargo and their intermediary agent, I have asked for the return of all of my funds from Wells Fargo. This they have refused to do, insisting on keeping their fee and charging me for XXXX currency conversions.
This is the third time I have request proof to substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be visavis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXX the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
I have had a XXXX XXXX for many years. I have also had an automatic payment withdrawn from my checking account for years after signing an agreement with the credit card company. Earlier this year I made a substantial purchase using a low interest propmotional check. XXXX billing cycles later I received notice that my account was overdue and I was charged a late payment fee. Customer service informed me that I would have to fill out a new automatic payment form which I did but not without complaint since I already had the automatic payment on my account.. They did drop the late fee. The next month, in XXXX of 2015 I made a telephone payment. At the time I asked the customer service representative if the auto payment would be in effect for the next billing. I was assured it was. On XXXX XXXX, 2015 I received a telephone call from a XXXX representative informing me that my account was overdue and was being turned over to collections. I informed the representative that I had auto pay. She stated that my auto pay had been discontinued because I had not used the card for a few months. She was courteous but unresponsive. When I asked her when the payment was due she informed me that it was due on XXXX XXXX, XXXX days previous. It was at this point that I asked to speak to a supervisor. She seemed disappointed which led me to believe that she was working on commission. The supervisor stated that due to a recent " conversion '' they were having problems with their automatic payments. She adjusted the late payment fee stating it would be removed from the account balance.She told me I would be required to send in another form for auto pay. I had an automatic payment large enough to pay off the purchase before or soon after the promotional rate expired. I believe XXXX is purposely violating the auto pay agreement in order to nullify the low promotional rate. In all the years I have had this card I have never had a late fee. 
At present I am not sure weather I still have the promotional rate or not.
Monday XXXX XXXX, 2015 I was emailed from the rush card company stating that the rush card would be down from XXXX until XXXX on Monday XXXX XXXX. I called rush card on the XXXX because I was n't able to access my account only to be informed that they were working around the clock to get the issue resolved. Then I stated that my card says it 's blocked on my application for rush card that I have downloaded to my cell phone. The girl representative stated that the website is uploading and she ca n't access my account. So I called back on the XXXX only to get the same results. I was placed on hold for XXXX hours to speak with a supervisor about the issue only to be hung up on. So I called again on Thursday XXXX XXXX to be placed on hold for another XXXX hours and again hung up on I was told that the systems were still uploading and they could n't get access to my account. So I hung up to call again for my card and then to hear that my card has n't been activated but they ca n't give me any information. I have rent due, cable, car note, utility bill due.
IN REGARDS TO : XXXX XXXX. XXXX  XXXX XXXX TEXAS XXXX XXXX : XXXX. XXXX   XXXX XXXX PA XXXX I HAVE SENT IN NUMEROUS DISPUTE LETTERS AND EVEN CALLED ABOUT AN ACCOUNT THATS REPORTING ON MY CREDIT REPORT THAT IS NOT MINES AND IT KEEPS COMING BACK VERIFIED AS ACCURATE. WHEN I KNOW THIS IS NOT RIGHT. THE ADDRESS REPORTED ON MY CREDIT REPORT IS FRAUDULENT I HAVE NEVER LIVED IN TEXAS IN ALL MY XXXX  PLUS YEARS OF LIVING. HOW IS THIS POSSIBLE THAT THIS ADDRES IS REPORTED ON MY CREDIT REPORT? WHEN I HAVE DONE BEEN WITH THIS COMPANY EVER IN MY LIFE. XXXX HAS BROKEN THE FCRA AND HAS NOT FOLLOWED THE LAWS SET BY THE FTC. I DEMAND TO SEE A ORIGINAL CONTRACT BEARING MY SIGNATURE!!!!

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an originial Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to posititvely verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
XXXX obtained a default judgment against me for a debt I have no idea what it is. And i was never served papers to appear in court to defend myself .XXXX was sued in a class action lawsuit and went out of business selling their paper or debt they had to Stephen Einstein & associates who is now garnishing my wages this is now twelve years after the original claim by XXXX.I did have an attorney send a letter to XXXX and he never responded to my attorney at all..I have every letter and document that I have received in my possession if you need it sent to you.
I have a  XXXX   XXXX  account on my credit file that does not belong to me. I have disputed this account for many years as a case of identity theft. It was removed by all CRA except Equifax who has been doing a shoddy investigation or nothing at all. Equifax kept putting this derogatory item on my credit report regardless of the fact that   XXXX   XXXX   can not substantiate this claim that I ordered anything from them.  Below is the way they posted the record on my Equifax file. If the account was closed and charged off in  XX/XX/XXXX , why is it been charged off again in  XX/XX/XXXX ?    I believe Equifax is more interested in messing up people 's credit profile than helping them correct erroneous entries.   I have recently contacted   XXXX   XXXX   again with a completed identity theft form notarized and mailed to them. Please, I need help with Equifa x 81-Month P ayment History Year XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   Back to TopBack to Top
We had not received notice from XXXX Hospital for this overdue bill, therefore, were unaware of this bill. It was then referred to collections without our awareness. We usually receive XXXX bills notices and I keep them for tax purposes. We recieved the first collection notice in XX/XX/XXXX in which I paid for on XX/XX/2016 at XXXX Hospital in person. The collections agency also kept calling afterwards our payment was made. We informed the agency that we had paid and they needed to contact XXXX Hospital as we had paid it their and the accounting clerk assured me they would inform the agency. I believe XXXX Hospital and the agency are not reporting properly and the Hospital did not correctly notify me of this bill. I refute this claim as tardy to do my unawareness. I always ensure I pay my medical bills within a reasonable amount of time and do not intentionally neglect my bills.
I purchased a car out of state ( XXXX ) and financed the purchase through US Bank in XX/XX/XXXX. I went to the XXXX DMV to switch from the temporary tag to my permanent tag and I could n't do it without the title. The XXXX DMV contacted US Bank to get a copy of the title, they in turn contacted XXXX to get a " paper '' title. XXXX is an electronic title state and does not issue " paper '' titles. US Bank claims that they can not ask for an electronic title and they keep asking XXXX for a " paper '' title. It has been 5 1/2 months since I purchased the car and I STILL do not have the title! I 'm on the last temporary tag, the XXXX DMV said they will not issue anymore temporary tags once this one expires in 30 days. US Bank has messed this up and their customer service department has told me a different excuse every time I call in. They requested a " paper '' title on XXXX/XXXX/XXXX and was told from XXXX they needed to request an e-title. After several contacts from both me and the XXXX DMV, US Bank asked XXXX for a " paper '' title AGAIN on XXXX/XXXX/XXXX. XXXX said this bank has messed this up in the past for other customers, and in the past the bank used a third party to get the e-title and transfer it into a " paper '' title so they could process it. They should do that in this situation too. It 's unbelievable that they are preventing me from legally driving the car I purchased because they do n't want to process an e-title. I pay my loan on time every month, they need to FIX THIS.
I contacted Capital One in early XX/XX/XXXX, either the XX/XX/XXXX or before and inquired about changing the due date from the XX/XX/XXXX to the XX/XX/XXXX. XXXX, who I talked to said I could do that. He failed to mention it would take more than one billing cycle. I thought it could mean the XX/XX/XXXX due date would be changed. It wasnt and consequently I was charged a XXXX dollar late fee and interest of XXXX on XX/XX/XXXX. 
I then contacted them again either XX/XX/XXXX or around then. A manager then informed of the time it would take. I asked him to waive the late fee if there would be one since there was confusion on when this would kick in. He said he couldnt waive a late fee that hasnt occured yet but would make a note of it. 
I contacted Capital one on XX/XX/XXXX and XXXX XXXX said no note was made and that they couldnt waive the interest or late fee. 
When XXXX told me that the billing date was changed I assumed it could be for XX/XX/XXXX, so I put off moving money around in order to make the payment by the XX/XX/XXXX, although I could have if I was aware that it took so long to change.
I have had a credit card with Discover. They closed my account which is fine. However, the company is asking for more money than I owe and as I pay the balance just increases. I need assistance with this. I do n't mind paying for what I bought but not all the fees.
On XXXX/XXXX/16 I purchased a car from XXXX. It was a cash deal. With a purchase price of {$40000.00}, I gave them {$21000.00} in cash and wrote a check for {$19000.00} to complete the transaction. They ran my credit and had me fill out a credit application but stated it would not be processed unless for some reason my account had insufficient funds and the check did not clear. On that date I had over {$130000.00} in Bank of America. I drove the vehicle home. XXXX XXXX I got a letter from Bank of America stating that they had received a loan request through XXXX and that my loan had been disapproved due to information from XXXX even though my credit score was XXXX. I called the banks XXXX number and asked them how I could be turned down for a loan I had not asked for in the first place. They said XXXX submitted the loan application. So, I asked them even if XXXX submitted it, I had over {$130000.00} in Bank of America and they cashed my check. So, XXXX I did not need a loan and secondly if I had requested one - how could they deny me a loan of {$20000.00}. The person on the phone just gave me a generic answer stating that is the way they do things. I called XXXX again and after a few days the finance manager and I made contact. She stated that they did not submit the paperwork for processing, but only submitted it as back up in case my check did not clear ( which of course it did clear ) .I went into Bank of America in person and they could not help me. They said somebody would call me. About a week later I got a call from B of A in another State but when I returned the call they had closed at XXXX Central time. Just a few days ago I got another letter from Bank of America dated XXXX XXXX, 2016 again stating that my loan had been declined. Even as of today 's date, I still have over {$110000.00} in Bank of America. I happen to have almost double that amount in other banks and happen to own XXXX houses free and clear. I have XXXX loan on my existing house but I do not see how any of that is even relevant when I paid cash for the vehicle and of course had enough in Bank of America that given day to buy XXXX vehicles in cash. Both parties have denied any wrong doing in this but it is obvious that one if not two are clearly in the wrong here. My relationship with Bank of America after over 30 years has been damaged and I plan to withdraw my funds from that institution. I would like to ask for monetary damages and compensation for this quagmire. Bank of America claims that I am a preferred customer. I wonder how a non preferred customer is treated..Ironically, I have a {$20000.00} credit limit on my Bank of America credit card . That was the amount of the loan they turned me down for that I did not apply for ...
I have contacted Equifax 10 times by fax and by phone to correct my personal information { 1 } My name XXXX XXXX XXXX XXXX thats it nothing else. they have goverment I D 2 of them to prove its me Next for safty its addresss they keep listing XXXX XXXX XXXX  XXXX Ca I never lived there. next one is XXXX XXXX XXXX XXXX Ca Never lived there. I have5 inquires that I did not make I have had identity theft XXXX, XXXX, XXXX, XXXX Again, XXXX I did not make these They have copy of police reports all the way from 2008 remove them
Someone tried to obtain a credit card from XXXX through XXXX.I never applied nor would I.Iwrote a letter to XXXX to send a letter of Deletion to Transunion but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from XXXX. I contacted the bank and they said it was not their responsibility to resolve XXXX disputes.Transunion was very hard to reach and said they could not help me without The Letter of Deletion from XXXX The date I was first aware of the fraud was XXXX XXXX,2017.
As it pertains to the credit bureau of Transunion, XXXX, and  XXXX and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the Transunion credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the Transunion Credit Union report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.
I am writing to complain that a very important and useful institution that I use may go out of business, and they say it is because the CFPB is interefering. For many years, Nationwide Biweekly Administration took my biweekly payments and transferred them to my mortgage company, which at one time was XXXX Mortgage. When XXXX Mortgage was not properly distributing my funds and I could not get them to respond to me, NBA aided me and the problem was resolved. XXXX has since gone of out business but NBA has been there all along to help. XXXX XXXX is from Ohio, as am I, and I supported him in his elections here, and worked with his own former staff when I was a XXXX at the XXXX XXXX XXXX of Ohio. I was very happy with his success in getting this position in the Obama administration, which I have also supported. However, I am very unhappy with this situation, NBA, located in XXXX, Ohio, has been a great help to people like me who which to have their loans serviced. This is a setback which I do not appreciate. Please consider what you have done in this regard and restore NBA 's ability to work for consumers like me. Thank you.
Received XX/XX/XXXXstatement in XX/XX/XXXXand amount due was listed as {$1200.00} ( 4.375 % rate ) which I have been paying. I have my payment withdrawn automatically and the amount they withdrew was {$1300.00} ( 5 % rate ). When I did discover a shortage in my checking account I researched only to find that XXXX   deducted a different amount than my statement. Upon numerous calls, why has there been no return call from XXXX  with resolution? I was told that there is a note on my file stating that the account is under investigation. Who does not call a client when there is a problem and who changes/reverses an account 'completely ' without discussing it with a client. I had a modification done XX/XX/XXXX and the rate was taken to 4.375 %. I have the paperwork which is signed and notarized. Next statement I received reversed my legal agreement of XXXX XXXX and changed all the statistics WITHOUT DISCUSSING OR REVIEWING WHAT IS GOING ON WITH ME. It's now well over a month ago and when I do call I am being told that it is still under investigation. My XX/XX/XXXX payment of {$1200.00} is not being properly reflected and I'm getting calls asking when I am going to make a payment ... which they already had. Personally, I feel this is a computer glitch and should have been resolved within a week. I canceled my auto payment and sent a check in the amount of {$1200.00} for XX/XX/XXXX as per our agreement enclosed and notarized. Any wrongly withdrawn monies, {$66.00} to be exact should be applied to my principal. I need XXXX to make the corrections back to 4.375 % and legally honor my XX/XX/XXXX agreement. I have sent them a copy of the agreement that they signed and notarized.