WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX  has denied any ownership interest in the securitized mortgage loan that is attached to my home.   Representatives from  XXXX   XXXX  have maintained that it operates merely as the Trustee for the owner / investor of my home loan. The records since inception have shown that  XXXX   XXXX  is the Trustee for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .     Ironically, shown below is the message that  XXXX   XXXX  has sent to the CFPB, dated  XXXX   XXXX ,   XXXX   : " According to the records,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) is the trustee for the Trust, and the current owner of your loan. The Trust is a separate entity, and  XXXX   XXXX  maintains no involvement in the operations of the Trust, including maintenance of original documents associated with your mortgage loan. '' Coincidentally, one day earlier,  XXXX   XXXX , Assistant Vice President of  XXXX    XXXX    provided a letter to the CFPB, dated  XXXX   XXXX ,   XXXX   that states the following :   XXXX   XXXX   XXXX   XXXX    XXXX  has no beneficial ownership interest in the mortgage loans included in the Trust, i.e.,  XXXX  is not an investor in the loans. Instead  XXXX  merely holds legal title to the loans for the benefit of the  Trust 's Certificate  holders. '' However, the language used in the above statement from  XXXX   XXXX  and other correspondence reiterate its position on the ownership interest of the loan or certificates, and its recollection appears to be a sale of securities that it formerly owned to  XXXX     XXXX   XXXX    maintains no involvement in the ownership of the Trust, as it should n't per the rules of maintaining an arms-length relationship among servicers and investors.   Both banks appear to have some questionable connection  to Wells Fargo as  it relates to this transaction. All three entities have been recently sued for billions of dollar for similar activities.     Please have multiple agencies review the merits of my clai m, as Wells Fargo us es loopholes in the CFPB process to avoid providing a truthful response.
I have disputed this account multiple times with eqifax and XXXX XXXX. I asked them for to verify and send me proof this account is mine. They keep sending a bill what is not proof this account is mine. 

According to section 609 Credit agencies must verify this is my account. A screen shot is not a verifiable proof this account is mine. 

I would like for XXXX XXXX and eqifax to delete this off my credit report.
My complaint is in regards to a debt that is being " double reported '' on my credit file by Enhanced Recovery, account # # XXXX in the amount of {$1200.00} and also by XXXX XXXX, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from Enhanced Recovery which I do not owe because I have never signed any contract with this company. What they continue to do is send me a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this same account. Therefore, Enhanced Recovery have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX
I filed bankruptcy and included the loan from XXXX XXXX XXXX for my vehicle in my bankruptcy. I was to return the vehicle, but it is being shown on my credit report as a repossession. I have documentation and emails from my attorney stating that the information being reported on my credit report is not accurate. I have tried to dispute this several times, but the action has not been fixed.
I have been requesting verification of the following account that Experian continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Experian listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. OnXX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. OnXX/XX/XXXX I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX She also stated that there is NO inquiry from Experian or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Experian shows as reported on XX/XX/XXXX.
I asked that the information for University XXXX to be validated and what ever they reported to the CRA it was claimed to be valid. I have written to University XXXX twice and they have not responded to me. They just keep validating the debt with the CRA so I have recently written to the CRA asking them to provide to me the information the creditor is supplying them that allows them to keep stating the debt has been validated. I have nit gotten a response. I also have asked that accounts for XXXX to be validated and I have not gotten any response from the Creditors nor the CRA 's. I have also written to this office as well fairly recently in regards to this same issue. Please help
1. Receivables Management ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively 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. I demanded the following account be verified or removed immediately. 

This showing up on XXXX, XXXX, and XXXX. 

Thank you for assistance on correcting this matter for me. 

XXXX XXXX XXXX
The following businesses used my information without my knowledge or approval, and it has shown up on my credit report. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
I am writing to report a problem with Costco Anywhere Visa Card by Citi. Citi issued the card automatically because I had a Costco membership account. However, I have not been to Costco for over two years. I called the number in the back of the card XX/XX/XXXX to request the cancellation. The representative told me that she put in the request right then and I was all set. Yet I am still receiving bills and now this enclosed letter showing that my account has not been cancelled and that I owe money on the account for the yearly Costco membership fee. I never applied for the card, never used the card. I sent a letter to Citi on XX/XX/2016 requesting my account be closed and the outstanding balance be cancelled. I still got an email this morning from Citi telling me to pay the balance to avoid penalty fees. I am deeply disappointed in the customer service of Citibank. I hope CFPB will help me put an end to the outstanding balance of this credit card account, and that this account will be closed for good.
My complaint is on Macy 's card services for their department store credit card. Over the past ten years I have cancelled and reopened at least XXXX Macy 's accounts because they pull the same fraud every time. They send out invoices every other month. If you charge something in the month not invoiced, they automatically carry it over to the next month, where you get an invoice that includes a {$27.00} late fee and an additional interest charge. It is a scam. For years I 've paid them but I 'm sick of it. They need to be fined and ordered to stop this fraudulent process. Attached is a copy of my latest bill. I charged items in XX/XX/XXXX, they sent no invoice in XX/XX/XXXX and sent one for XX/XX/XXXX with {$31.00} in fees on a {$190.00} charge, more than XXXX %. Think of the free money they make on people who do n't bother! Every time I call they take the charges off and then do the same thing again. This pervasive, fraudulent practice needs to stop now! ... XXXX XXXX
In XX/XX/XXXX, I reviewed my bank statement online and saw that I had overdraft fees. I called the online customer number to remind them that I never opt-in to have overdraft fees. In the past, I had experienced large accumulation of fees and it had affected my account balance. I was told to not worry about it. 

During the period of XX/XX/XXXX to XX/XX/XXXX, I was unemployed and without a job contract. 
At that time, my account started to accumulate enormous overdraft fees. Again, in XX/XX/XXXX, I contacted the US Bank customer service line to remove the overdraft protection. I had asked to leave my account without the overdraft protection due to the fact that the overdraft fees prevented my scheduled transactions to be withdrawn. By the time the funds arrived in my account, the overdraft fees would take {$72.00} to XXXX $ out of my limit income. I had spoken to the manager about my situation and was informed by XX/XX/XXXX that my overdraft fees were more than {$400.00}. Then by XX/XX/XXXX, I was waiting for my pay and I informed the US BANK manager on XXXX XXXX XXXX XXXX, CA XXXX and she informed me told that my payroll would be too late because I owed more than {$1000.00} in fees. My account was closed by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX XXXX, Manager, Collection Support Services, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, PA, XXXX via email at XXXX. I informed her I was ready to settle and pay the {$190.00} this Friday, XX/XX/XXXX but my credit report will need to mention " Paid '' as oppose to " Settle ''. She told me she couldn't do that and US Bank needed to make this decision. I asked her to forward my request to US BANK but she refused. I contacted the collections department at US Bank and the representative told me that the collection agency needed to do enter the " PAID '' on my credit report. I attempted on multiple occasions to talk to a manager but no help.
My school loans should be have been deferred. I submitted the documentation they required along with a letter from my school stating that I am still in school at the beginning of XX/XX/XXXX. I have a confirmation letter of my fax to them with the required documentation needed to show my proof of enrollment. They still have not updated my payment and this is negatively affecting my credit. I filed a complaint with the XXXX XXXX XXXX  and received an email after that from a XXXX XXXX at Navient who I have tried talking with mostly through email. I also called my school after he stated that I was not eligible for a deferment and they informed me that they informed my student loan company that I was enrolled just not continuing with a course from the fall semester as they do not require students to re-enroll for courses that will be longer than 1 semester per the course requirements. I explained to him that they told me they informed them already and was told I could send the information again. At this point, I am beyond frustrated especially when the payment department keeps calling demanding payments as I'm going through all of this.
My company received an email alert from the "fraud protection alert" department of this credit card company. Asking if someone from our company made these transactions dated X/X/2017 at XXXX XXXX XXXX, Fl. My company responds "NO" to that email. We received another  "fraud protection alert" again we responded "NO". I called Customer Service explaining what had occurred. They blocked/canceled the fleet cards and reissued new ones. I was told to file a dispute online because customer service could not help me resolve this issue. I asked them to please document every phone call and to please put notes on the account regarding this issue with fraud. I filed a dispute on all charges made in Flordia. The credit card company approved the charges on the card ending in XXXX but did not approve the other charges on card ending in XXXX. Every time I called customer service they said the fraud department handles these issues and they could not resolve that issue. "you have to email them" I tried calling a number XXXX for two weeks no one ever answers that line. So I continue to email that department. The last response from them was that I check off the lost/stolen box on the form and because I check that box off the transaction were not fraudulent or counterfeit. I let them know that it was a mistake and that I had written an explanation in the box provide a detail about what had occurred. This department is not looking at the full details of this case. They are going about it based on a check mark on their form. That was checked and followed by an explanation as well. I have sent several emails with documentation and proof of everything that I have now two months later they are asking for the physical card to be returned that is they are not returned the charger will not be removed. I did everything that was in my power to notify them and explain what was happen we responded no to these charges and their company put a block as well. So how is it that we are liable for these charges just because I check a box and they are refusing to read the full detail of the whole case.
I paid {$1.00} for my credit score and was required to agree to the 7 day trial period for credit monitoring of which I could cancel at anytime. I attempted to cancel within the hour but was redirected to sign into an online account which I never set up leaving me the only option of calling them to cancel. It was a weekend and their office was closed so I called the next following business day. I was told my membership was cancelled and I thought that was the end. 3 months later I noticed a charge from transunion on my credit card statement and followed up to see I had been charged 4 times for a service which I was told had been cancelled. I called transunion to rectify the situation. I spoke with no less than XXXX different people with strong XXXX accents and had to keep asking them to repeat what they said and/or speak more slowly. After a 20 minute phone call, most of which was spent on hold, I was once again told that my " inactive '' membership had been cancelled, I would not be billed again, and they would credit my payments back to me and that it could take up to XXXX billing cycles. I 'm not sure I have any reason to believe they will do any of those things since the initial cancelling of the service was mired in hidden webpages/accounts and my first phone call to them resulted in nothing more than wasted time.
I was signed up for Charles Schwab bank account without my consent in XX/XX/2017. I received a legitimate XXXX XXXX  XXXX XXXX XXXX debit card and several check books via USPS. I also got other pieces of mail welcoming me to the XXXX XXXX XXXX XXXX XXXX   Checking Account. 

I called the Schwab customer service line and was connected with a fraud agent. He alerted me that someone else had provided them/stolen my social security number, my address, and gave them a fake XXXX  address. I guess that 's all you need to get signed up for a bank account. 

The fraud agent assured me that the account had not be opened and that my ssn number was probably stolen over the internet. He gave me some advise on how to keep my personal information secure, which was nice. However, the subtext was that it 's my fault someone fraudulently signed me up for an account. 

I have no proof but a small part of me thinks Schwab got the scant information about me that is needed and sent me the debit card and and checks in hopes I would officially open the account. 

In short, I believe Charles Schwab, and other financial institutions, must require additional verifications before an account is created in someones name. If not done upon their own volition, they must be regulated.
This is a cointinuation of case XXXX response to their answer Bank of America.I have madea few installments to bank of america in XX/XX/XXXX which is after XX/XX/XXXX which seems to be what they are saying.In there first sentence of there answer it says they havent recived funds since XX/XX/XXXX this is not  true.
XXXX XXXX XXXX have been re-aged repeatedly - see attached XX/XX/XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.
Please see my previous complaint regarding XXXX reporting my balance incorrectly. They responded saying they updated the balance, however, I just received a notification from Equifax that they reported the account as closed. This caused my credit score to drop 30 points! Please correct this. The account should be reported as Open, pays as agreed.
My name is XXXX XXXX, last XX/XX/2017 I placed order online from XXXX they took the payment of {$300.00} in my XXXX Credit Card. Synchrony BankXXXX XXXX. XXXX XXXX Fl XXXX Credit Card provider. Seller email me, my stuff deliver XX/XX/2017. I call the XXXX Customer Service, I havent receive my stuff? They told me gave some couple of days, it could be delayed? After a couple of days I call them again and tell them Ive havent receive nothing? And I want a full refund of my money back. The customer service giving me a hard time for my full refund? And asking me a lot of things to do? They took the payment right away in my XXXX credit card and I didnt receive my order? What a big SCAM? I disputed this issue in my XXXX Credit Card Synchrony Bank many times, same as XXXX they dont want to help me or to give me a credit back of {$300.00} or refund my money back? I spokes to Synchrony Bank Customer Service. I am not going to pay the outstanding balance of {$300.00} in my XXXX XXXX, unless if you give a Credit back or refund my money back of {$300.00}? I told them to close my Account XXXX ending in XXXX. I am afraid theyre going to destroy my excellent credit history that I taking care for so long? I always pay them on time and most of the time ahead? You can verify it to Synchrony Bank? And now they dont want to helping me to refund my money back? I spokes to this Synchrony Bank, you required the merchant a receipient document with my signature on it? Proofs indeed I receive my order? The merchant cant provide that documents? Please helping me to refund my money back from this Synchrony Bank/Amazon. And please helping me to protect my Credit History in four Credit Bureau? I look forward with your prompt action regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX
I was notified by XXXX XXXX that I would be doing business with Mr. Cooper/Nationstar mortgage I paid XXXX for XXXX and XXXX mortgage. Then a email XX/XX/2019 that Mr cooper took XXXX and  applied it to insurance without my permission. I notified them to tell them i sent check for insurance myself and they needed to get my Permission to apply money to insurance when im paying it myself. I dont like there tactics they waited until three days before due date to send me the information which i think is very sneaky
I have several student loans owned by NCT ( or XXXX ) and due to my worsening XXXX XXXX I have been unable to work for some time. I am receiving Social Security XXXX, have been approved for a XXXX XXXX discharge, and approved by XXXX & XXXX for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling over {$40000.00} ) 8 months ago and they have responded with requests for more information, but have not forgiven the loans ( or made any effort to compromise ) despite my promptness in getting the information they requested. At this point, my loans are soon to do into default which wo n't do anything except destroy my credit because I do not have the ability to pay these loans.
I have been attempting to get a loan modification starting   XXXX   thru  XX/XX/XXXX    I have sent all documents requested on numerous dates. All documents have been confirmed as received. After an unpleasant conversation with an underwriter who questioned my   XXXX   XXXX  ax return schedule C costs of labor and materials the situation seemed destined to be a negative experience. His questions seemed to be from a person that was not very experienced with self employed customers. The review resulted in a denial of a loan modification stating that my income was more than it actually is. I appealed sending updated and more specific documentation and more recent financial information that included bank statements and profit and loss statements for the  XXXX  quarter  XXXX . The underwriter based my income on tax documents from  XXXX . I am self employed and each quarter has an income variation that was not analyzed accordingly. Also  a drive  by appraisal that I received from them had  XXXX  inaccuracies that drastically affected the stated value of the residence due to square footage errors on the appraisal. Incorrect income and incorrect valuation appraisal is unacceptable when it affects a major decision for a loan modification. I attempted to have the accurate information reviewed to no avail. I believe that my hardship reasons affected the decision also. The fact that I have health issues and that I am female are just additional reasons I believe the loan modification was denied.