WillisBack/dataset-financial-user-claim huggingface dataset:
Stearns Lending LLC took over my mortgage from XXXX in XXXX 2015. On XXXX XXXX 2015 my loan balance was {$250000.00} and aI sent a wire in the amount of {$240000.00} leaving a balance of {$15000.00} on the mortgage. Today I called the service rep at Stearns lending - expecting that my payments would be reduced significantly commensurate with the pay down. Instead the Supervisor XXXX XXXX in Custom Service said my payments would continue to be {$1700.00} per mo as they were before the PAY Down - saying further that {$1000.00} f that would be interest. These does not smell right or seems right to me. At all. 

Further she went on to demand that i pay {$300.00} for a RECALC fee - in ordere for themn to reduce the paymemnt amount. {$300.00} fee on a $ XXXX balance - which I could easily pay off today - seems ridiculous - esoecially in light of the large pay down I just made and seems userious and FEE Execessive. The interest demand of {$1000.00} can not possible be justified on teh {$15000.00} balance at 3 % interest rate. 

My intent is not to drag out this mortgage more by to pay it off within a few months as a matter of convenience. I do dnot expect to pay a {$300.00} reclalc fee and beieve this violates Federal Law and the large Interest payment demand of {$1000.00} seems usurios and excessive and wrong and ust vilate many federal Lending laws - and if they are treating me this way with the excessive feeds and interest after such a huge Pay down - they must be also doing this to many XXXX of naive consumers as well This is wrong. There should be no fee for any recaclulation and the payments should automatically be adjusted at 3 % on the balance remaining. 

I believe Stearns Lending LLC is in violation of Federal laws here and abusing COnsumer Lending practices. Stearns ending XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
I asked experian to disclose to me all of the documents that they have recorded and retained in my file at the time of request concerning my accounts that are reporting. I have that right under the FCRA 15 U.S.C.  1681g. Under the FCRA 15 U.S.C. 1681i all univerfied accounts must be deleted. Below are all the accounts I wanted validated. I do n't want proof of verification or proof of my mailing address but a request for VALIDATION made pursuant to 15 USC 1692g sec 809 ( b ) of the FDCPA. I have sent the my a copy of my bank statement and photo ID to show proof. I have requested that my name is put correctly on my file along with removing all other names that are spelled wrong and the are not doing so after providing them with the information that is needed. They wo n't remove any old address that I was never associated it. My accounts number I want validated are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide documents that you have used to verify accounts. Please do n't respond and say all accounts have been verified.
I opened a checking account using an offer code for a XXXX dollar bonus to open an everyday checking account back in XX/XX/XXXX and I followed all the rules, but they did not award the bonus. After calling multiple times, they said incorrectly that I opened my account XX/XX/XXXX, then that I had requested to close the account. Talking to a supervisor, she said since there was no activity on the account for 30 days, it was closed. But she said XX/XX/XXXX was the last day of activity and I called today, XX/XX/XXXX. Then she changed it to XX/XX/XXXX. But who has ever heard of that? Closing a checking account after 30 days of inactivity? I had additional calls to them and one lady counted out the days that I should have the bonus by XX/XX/XXXX. That did not happen, so I called up and a man said he was submitting a form to research the bonus and that he would call me back by today, and he even sent me his e-business card in an email, but none of that happened, but the account was closed. I am real confused. Anyways, I talked to a supervisor again today XXXX many of them have thick XXXX accents and it's difficult to understand them XXXX and she said she was submitting a form to research it.
I was contacted by this collection agency via telephone and I advised them this debt was disputed as it is not mine. I 've never had an account with XXXX XXXX XXXX, XXXX and this debt is not mine. I have sent them via certified mail the documents showing his debt was a result of identity theft, but they continue to attempt collection.
1 800 Loan Mart has repeatedly called me 30 times a day for the last 7 months also have incorrectly reported negative things on my credit report, also called and threatened me with imprisonment lawsuit call me directory name also told me they would come to my house and do something to me after I paid them {$4000.00} and they took my vehicle now they 're saying I still owe them {$5000.00} the original amount of loan was {$2500.00}.
I have been a Discover card member sinceXX/XX/XXXX and have never missed a payment. I am currently involved in a debt consolidation program with my other credit cards which is temporarily impacting my credit however I chose to keep my Discover card open and not include this card in my consolidation program. At the time I started this program, I intentionally kept this card open because I had a {$9100.00} credit line and a {$4000.00} balance. To reiterate, I have never missed a payment with this card in TEN YEARS and intended to have this card available in the case of emergencies. I no longer have this option. 

When I signed on to my online account on XX/XX/XXXX, I saw that suddenly I only had {$100.00} of credit available and my credit line had been decreased significantly. This was never communicated to me and when I brought this to their attention, I was told a blatant lie. I work in XX/XX/XXXX and could tell immediately this was back tracking. I have attached the conversation below. I asked why I was not notified of this decrease and was told a letter was mailed to me with the reason for the decrease on XX/XX/XXXX. It is now XX/XX/XXXX and said letter has not arrived at my home. I verified that Discover has my correct address. 

What compounds this situation is that conveniently, the day after I asked this question and received this response, I received an online message dated XX/XX/XXXX, with a copy of the said letter dated XX/XX/XXXX, which was clearly crafted only after I brought this matter to the companies attention. This is very bad and deceptive business. As a reward of 10 years of perfect business with Discover, during which time the company has made hundreds of dollars of interest off of me, I receive a significant credit line decrease. I understand that my credit score has dropped but I have a perfect history with Discover card and it is very bad business practice to treat your customers this way.
I have made requests to Specialized Loan Servicing for a standard or legal size copy of the loan agreement that is allegedly the one I signed. I have been sent some kind of a small version that I can not read because of " reduced '' size. This is not a document.
On Friday, XX/XX/XXXX, a process server knocked on my door. She served me with papers saying that I was being sued by XXXX XXXX XXXX The papers said that Midland had purchased my debt from a credit card, and that I owed them {$1000.00}. I paid the credit card company XX/XX/2017. I have the receipt to prove it. The papers said that I needed to file a motion with the court in the next 30 days or I would automatically lose the judgement, and that my wages could be garnished. A copy of my receipt was sent to the court clerk, and I was told that it was being forwarded to the attorney representing Midland. Is it legal for Midland to draw up court papers over a debt that has been paid?
I pay for credit monitoring through equifax and am also registered with credit karma. I have had credit issues in the past and am hyper vigilant now as I want to purchase a new home. Using these services, I was given a credit score by equifax of XXXX and credit karma reported my scores as XXXX and XXXX. BASED ON THAT INFORMATION, I applied for a mortgage loan. I received a letter about being declined from XXXX for the mortgage. The letter indicated that my equifax score was XXXX with the other XXXX being in the XXXX range. I made a hard inquiry on my credit based on the score that was given to me by the same agency that gave the mortgage company a much lower score. This inquiry will further lower my score and resulted in extreme embarrassment to me because had I known that the actual score was XXXX, I never would have applied for a mortgage. How can the agency that I pay to provide me with an accurate picture of my creditworthiness give me a score that is not used by credit lenders? Equifax provided me with the " vantage score '' rather than the " fico score ''. I feel that they are fraudulently representing their services, which resulted in an even lower credit score ( due to the inquiry ) and significant embarrassment to me.
XXXX placed a collection on my report by XXXX XXXX equifax and XXXX  both deleted this on XX/XX/2017.  XXXX came back and had XXXX XXXX to put the same thing and same amount on my credit report and as this time I have again asked to see and or know the method of verification and the description of the procedures used to determine the accuracy and completeness off the information was requested and they NEVER provided me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They also did not inform me in writing that the deleted item was going back on my credit with in five days of them putting it on as well.
In early 2017, I applied for -- and was approved for -- a Macy 's branded American Express ( i.e., open loop ) credit card, which is issued by Department Stores National Bank ( hereinafter " DSNB '' ), a subsidiary of Citibank. The card was given a {$7000.00} credit limit. I utilized the card heavily, charging several multiples of the credit limit. This often resulted in later-declined charges and fraud blocks on the card that became inconvenient. However, all bills were paid on time and all charges were authorized by me. In early XXXX, 2017, I had anticipated the need to make multiple large charges on my Macy 's American Express. As a result, I overpaid the balance by making in-store payments. This resulted in a substantial overpayment. My hope was that this would allow me to make continued charges on the card without the inconvenience of continued blocks on the card. Unfortunately, shortly thereafter, the card was locked. When calling the phone number on the back on the card, I was immediately routed to a representative ( usually with a 20-minute wait ) instead of the XXXX. This resulted in multiple inquiries about the status of the card. Despite answering all the questions related to the card 's usage and payment history, the card was not unlocked. In early XXXX ( a month after the card was locked ), I spoke with a representative from DSNB 's fraud team who indicated that the card was locked and that there was " no timetable for the lock to be removed. '' As a result, I requested that the credit balance be refunded to me, and the representative assured me it would be. In early XXXX ( XXXX XXXX, 2017, specifically ), having received no refund or even any indication of a refund on the electronic card-management system ( XXXX XXXX XXXX XXXX ), I sent a certified letter ( return receipt requested ) to the address of record for Department Stores National Bank indicating my written request for a credit balance refund in accord with 12 CFR 1026.11 ( a ). As noted in this code section, upon receipt of the written request, the creditor has seven ( 7 ) business days to return the credit balance to the consumer. Per return receipt, the letter was received by DSNB on XXXX XXXX, 2017. As of today, XXXX XXXX, 2017, the electronic card-management system still shows no record of a credit balance refund. As such, DSNB and its parent, Citibank, are in violation of federal law. To avoid continued dispute, please refund the credit balance to the cardholder immediately.
As of XXXX XXXX 2016 there was a Fraud Alert placed on my Credit report. It was NOT by ME. I do not want a fraud alert on report.
Under the Public Service Loan Forgiveness, I sent XXXX XXXX my paperwork to certify. They said i qualified, yet they won't verify and won't give me any information. The paperwork was sent XX/XX/XXXX ... it is now XX/XX/XXXX ... and everyone i spoke with said they are escalating my request to review in 1 week. I called in XX/XX/XXXX. They said call call by XX/XX/XXXX for results. I called in XX/XX/XXXX, they said call in two weeks. I call in XX/XX/XXXX, he told me to stop calling and my call stops with him ( XXXX ). He refused to transfer me. They won't give me any information and won't review my documents.
Foreclose date incorrect on credit reports. CIT Bank reflects a foreclosure date on XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, and XXXX XX/XX/XXXX. Date of foreclosure deed was transferred to trustee was XXXX and date stamped by circuit court clerk was XX/XX/XXXX. Reflects on my credit report under account XXXX.
I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX XXXX and now the account is with the debt collection agency XXXX XXXX XXXX XXXX. I have been receiving harassing telephone calls at XXXX XXXX  daily from XXXX XXXX XXXX XXXX representatives who has been using abusive and profane language against me, making death threats and threats of legal action for a debt that dont belong to me, and is the result of identity theft. I have never applied for a credit card with XXXX XXXX XXXX. The debt is not mine and dont belong to me. XXXX XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
I have been using a XXXX  credit card for over 25 years, Paid on time, BUT on XX/XX/2019 I paid Synchrony Bank the company that services the XXXX  card AS I always have {$100.00} for my XXXX Bill!!!!,,,,, BUT they took the {$100.00} and applied it to the XX/XX/2019 bill. 
On XX/XX/XXXX MY XXXX credit card was canceled and Synchrony Bank charged me {$27.00} late fee. And reported me as being late to the credit reporting companies!
I have disputed with all XXXX CRA 's and have sent them 3 dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify and account on my CR account being XXXX XXXX XXXX ( which is not my account ). As I 've stated I 've sent 3 dispute letters asking all XXXX bureaus XXXX, XXXX, and transunion asking for these docs and if they ca n't not show forth the documents on how they verified this account that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation form any of the XXXX bureaus with this 3 letters that I have sent I just continue to receive verified or updated. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal form my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping for that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've sent 3 letters without any resolution. Thank you in advance
My complaint is that our house was foreclosed on XXXX/XXXX/2016. During this time our application for modification request was in review ( as noted on the XXXX Notes ) Please take a look at the letter dated XXXX/XXXX/16 where it states Ocwen was acknowledging the receipt of the application for assistance, when in fact, this request for assistance had been submitted back on XXXX/XXXX/2016 ( Listed on the XXXX Notes ) Also, please make note as to how many Ocwen representatives touched this file -- there should only be XXXX Single Point of Contact or Account Manager working the file. Due to the fact that Ocwen is a servicer for XXXX XXXX Bank, and under the scrutiny that XXXX XXXX has been under, here is another case that should be reviewed for the discrepancies by the Servicer, Ocwen. They created DUAL TRACKING and foreclosed on this house while in Modification Review.
This debt has been on my credit for over 7 years since  XXXX  now we are in  XXXX  each time. I have been contacting this company for the longest time to removed, but its still on there. The debt was taken by my ex who knows the owner of the dealership. I have been disputed this item for years I would they verified a debt with who they spoke with was there a confirmation number given??? How would a creditor verify a debt without sending proof of signature documents the name of the person who helps me obtain this debt? Please look into this matter this company been seaming people for years and I am so happen to be a victim.
I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
I had released California tax liens on my report. As a result of the National Consumer Assistance Plan, both XXXX and XXXX removed the liens in XX/XX/XXXX/XX/XX/XXXX due to lack of identifying information as required by NCAP.When I noticed that Transunion had not removed the liens, I initiated a dispute with them using their web site. They responded that the investigation was complete, and the liens were not removed. They did not claim the required identifying information was present, they just refused to remove the liens.It appears to me Transunion is in violation of the NCAP by refusing to remove these liens.
Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from Navient Solutions that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with Navient Solution Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Navient Solution provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Navient Solution Cease and Desist all further communications and collection actives and provide the verification of the purported debt..
XXXX XXXX XXXX , XXXX contacted me about a debt I do not owe. I never had any business with Citibank, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.
I applied AMEX Blue Cash Everyday credit card at XXXX. By the advertisement, I will get {$200.00} after I spend {$1000.00} within 3 months of opening new account. But AMEX didn't give that to me after I satisfy the criteria. I tried to communicate with AMEX in XXXX and XXXX, and asked for investigation. But they still refuse to give that credit to me.