WillisBack/dataset-financial-user-claim huggingface dataset:
I received a bill in the mail a few days ago that was from a collection agency, but I never received the original bill, it was an outstanding amount ( $ XXXX ) so I could not jump to pay it ... within 2 days I have receive repeated called as early as XXXX XXXX up until XXXX XXXX from this debt collector. I than blocked them and they called me on a different number. I literally could not keep my phone on me while working because of them constantly calling.
I always pay my bills on time. Last XX/XX/XXXX, my little-used Citigroup small business card sent me a new card and did not link it to my previous web page. I logged on like I normally did for two months and saw I had XXXX balance, not knowing that they were charging me late fees somewhere else. When I found out I immediately paid off the balance ( approx. {$100.00} ) for purchases and closed the account. I was assured that the account was closed and no further charges would accrue. I called back a week later ( XX/XX/XXXX ) and verified that the account was closed and there was XXXX balance. I then received a bill six months after I closed the account in XX/XX/XXXX saying I owed additional late fees and also an annual renewal fee. I called a third time and was told by the Citigroup phone representative that he could find no record of my supposed debt. I then got another bill in XX/XX/XXXX saying I now owed a total of {$250.00} in pure fees on a card I cut-up 7 months prior. This time ( 4th phone call waiting in the interminable phone tree ) I was told that indeed I owed {$250.00} that couldn't be discharged without total payment. I sent a complaint letter to Citigroup in XX/XX/XXXX ( copy attached ) and got back a copy of the {$250.00} bill and an 8-page Card Agreement document full of fine print. This kind of obfuscation and abuse by a massive company like Citigroup in order to squeeze unearned income from a small consumer is completely unacceptable.
My sister and I both have applied for the same credit card which was the XXXX card by Capital One. Neither of us have yet to receive denial letters via mail, my application was almost 30 days ago. However instead both of us have received emails regarding our denial letters. We enter the credentials which were our XXXX and XXXX. When we entered the credentials we noticed it was someone else denial letter. Completely different name and everything. This is a privacy issue especially considering we both got someone else 's denial letter. I have contacted the Executive Office and their XXXX XXXX regarding this issue and still have not received my denial letter. If i am not mistaken a company needs to send your denial letter, but to receive someone else 's letter just seems to be a privacy issue.
On  XXXX   XXXX ,    2017, I c hecked my cyber identity monitoring services, a service provide by  the US Office of Personnel for leaking my data.      Apparently, on  XXXX   XXXX ,    2017, I h ave a new account added to my credit report. I 've reached out to Equifax, but their website is confusing, and their phone tree and automation gotten me no where useful or easy to use. The Equifax website required a record number, which I do n't have and was n't provided to me. Their process appear to seem like they are required a credit inquiry, pulling my credit, which I declined.     I would like to file my complaint for lack of notice on both  XXXX   XXXX   XXXX   XXXX  and Equifax.     I do n't know who  XXXX   XXXX   XXXX   XXXX  is and why there is a new account of {$170.00},  XXXX . My current mortgage is at fixed rate with a local community bank called  XXXX   XXXX   XXXX   XXXX  (  XXXX  ). I make my payment through my bank direct withdrawal. I have n't receive any notice that the loan has been sold. I 've requested my bank (  XXXX  ) to provide all notice in writing to avoid identity theft and scammers these days. I have not been notified by the  XXXX . I believe this is a scam and a violation of my rights to notice and lack of consent to do business.     I would like it to be removed from my credit report, and I need the  XXXX  bank to face consequences of a formal investigation by the CFBP. I also would like them to provide proof that exactly stated that I authorized them to post this on my credit report.     Thank-you,  XXXX   XXXX   XXXX .
JH Portfolio Debt Equities has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Wells Fargo is the servicer of my home mortgage. They delayed the closing of my mortgage because the bank was not aware of how to calculate interest on federal savings bonds. I have reason to believe that, due to my relative youth ( XXXX XXXX XXXX at time of purchase ) they gave me a worse interest rate than what was available to them, thereby taking advantage of my relative ignorance in the process. They promised to close the day after my receiving my closing disclosure in clear violation of TRID. Wells Fargo has also participated in fraudulent account creation which I believe affected my interest rate. This fraudulent account creation is illegal and immoral. I no longer have confidence that Wells Fargo will handle my money responsibly. I do not believe that they are acting in my best interest. Their fraudulent and illegal actions have affect the price of the service they offer. That is a violation of the mortgage agreement I signed with them. They also demanded escrow payments months after they went into the red on the account thereby hiking my mortgage payments significantly.
OnXX/XX/XXXX, I faxed a re-application to Navient to maintain an Income Contingent Repayment plan for my two Department of Education Consolidated Parent Plus Loans. These loans are approximately {$250000.00} at an 8.5 % interest rate. I had been notified by Navient by U.S. mail that the deadline to re-apply for ICR wasXX/XX/XXXX. My communications with Navient are by U.S mail only, by my request, not by email messages. Today, XX/XX/XXXX, I contacted Navient by telephone because I noticed on Navient 's website, where I pay my loan payments each month, that my ICR payment had risen from {$780.00} to {$820.00} although my income verified by my XX/XX/XXXXfederal income tax return had decreased by {$2000.00}. Navient informed me in that telephone call that my re-application was defective and Navient had notified me by email onXX/XX/XXXX that my application had been denied. When I informed Navient that I had signed up for paper communications only, I was told I had signed up for email notifications and that the new amount was in place because my application was defective. Navient then offered to place my account in forebearance while I straightened out my application. I declined a forebearance because I did not want interest to accrue while I put an ICR in place. My complaint is that Navient did not inform me by U.S mail that my ICR re-application was defective, increased my payment amount without notice, and lied to me by stating I had agreed to accept email messages as notices of my repayment plan status. While this increase may be small, my income is extremely tight -- I struggle each month to pay for both health care and for student loan payments. I am a XXXX year old single woman who lives on XXXX XXXX and XXXX when I can get work. The Navient customer service representatives I first spoke to were not pleasant and I was hung up on 3 times before I was able to find a rep who assured me she had taken steps so that I will receive paper notifications for my account.
On XX/XX/XXXX I was sent a refund of {$250.00} for an item purchased from XXXX. PayPal noticed me on XX/XX/XXXX that a " eCheck payment was declined by the sender 's bank. We will automatically try to process this payment again in 3 business days. It then usually takes 3-5 days for the money to be deposited into your account. Please do not ship items until you receive payment ''. This was a refund and I was not the individual shipping the items. I was the buyer and not the seller. I called PayPal on XX/XX/XXXX and they indicated that they could not do anything but wait for the transfer.
Equifax and XXXX failed to notified me regarding notice of disputed of reinvestigation as well some accounts has been removed from one Agency and let reported on the other. I demand this items to be deleted permanently. All this accounts on the report marks as derogartoy where not notified per FCRA require reporting agency to give notice of reinvestigation
This is a follow up from a complaint against US Bank from XXXX XXXX, 2016. I went in to the local office on XXXX XXXX, 2016 to close the account. I spoke with the Vice President XXXX XXXX. XXXX XXXX had no idea how to close the account and spent 90 minutes on the phone with her corporate office to try and figure it out. She stated a check would be cut to me that day and mailed. Today is XXXX XXXX, 2016 and I have not received a check. She has not responded to an email on XXXX XXXX, 2016 or a phone call today.
In 2013 I had modification done on my home mortgage due to a financial hardship brought on my medical issues. I did it to lower my interest rate and make my payment more affordable. Ocwen mortgage services my loan and has for several year. They offered a XXXX Modification. That was the only option they offered. They said that if I sold the property or refinanced they would take a portion of the equity in the home as payment for me being able to reduce my interest rate. the reduction was only about 1 %. I asked at the time if the XXXX was based on the current value of the home or if it would be based on future value. The Ocwen rep told me it would be based on current value. When the sent me the paper work to sign a rep From Ocwen was on the phone with me at signing to go over all the details, when we got to the portion of the paperwork that discussed the XXXX amount I asked, again before I signed if it was to be based on current or future value. Once again I was told it was based on current value which would be about {$2000.00}. I signed based off of the information I was given twice by there rep. I am currently trying to refinance and cut my interest rate by more than half. When the mortgage service I am going through got the pay off from Ocwen it has an additional {$13000.00} added to it for the XXXX. When I called them to asked how it jumped to that amount they told me because of the current home value. When I asked why they were taking current value instead of the value of the home in 2013 they said because that was what the agreement stated and they refuse to lower the amount. I explained what I was told twice by THEIR rep what the amount was based on and they pretty much told me tough luck, even though their rep was supposed to know more than me and be able to answer my questions knowledgably and gave me false information. I would just have to deal with it and if I wanted to refinance that I would have to pay the extra {$13000.00}. Because that amount raises my LTV so much I am not able to have the loan refinanced because it puts me out of compliance for a new loan. So therefore I have to stay with Ocwen at a higher rate,, and payment and the more my home value increases the more they can take from me. I think when you are closing on a loan, refi or modification and you do n't understand something on the contract and you specifically asked the rep a question and are given a specific answer they should have to stick by the answer given by their rep. After all, the are the experts, not me. I feel like I have been grossly mislead and taken advantage of my Ocwen Mortgage services.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX To whom it may concern, At this time, I am writing to you regarding an account listing on my credit reports. This account is NOT mine and when contacting National Credit Systems, I have been treated very poorly. I have requested a copy of a credit application filled out by myself several times, they can not provide one. When asking how they have my social security number I was advised that is none of my business. I have attempted to contact XXXX XXXX XXXX, Manager several times to resolve this issue. I am placed on hold and then transferred to a collector. 

I have contacted the apartment complex and spoke with XXXX and she stated that they have nothing to do with XXXX XXXX XXXX, but that if the collection agency would call them she would have this removed from my credit. When speaking with Nation Credit Systems they stated that XXXX XXXX bought out XXXX XXXX and it is not their job to contact the apartments manager. 

According to 444.3 Unfair or deceptive cosigner practices I should have been given a separate form to sign notifying me that I was a cosigner and what my rights and responsibilities are. 

( c ) To prevent these unfair or deceptive acts or practices, a disclosure, consisting of a separate document that shall contain the following statement and no other, shall be given to the cosigner prior to becoming obligated, which in the case of open end credit shall mean prior to the time that the agreement creating the cosigner 's liability for future charges is executed : I was never given this form and upon requesting this I get transferred from collector to collector asking me to verify my social. I refuse to give my social any longer because I feel this will be their excuse for having it. 

I am at this time DEMANDING that this be removed from my credit report as it has been affecting me in a negative manner. I was never a resident and was told by apartment manger that I was being used as a reference, NOT a cosigner. Please see enclosed eviction notice for this property where I was never listed. Please contact me for any further information needed at the above address or phone number. 

Thank you, XXXX XXXX XXXX
My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, XXXX, XXXX & TransUnion, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. XXXX & TransUnion continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( XXXX XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, 'XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that XXXX & TransUnion also delete this negative information from my files, as well. Sincerely, XXXX
First and foremost I want to say that Capital One Auto Finance is a great company and it has been a pleasure doing business with them for many years, however they have been reporting inaccurate derogatory information to my credit file which is damaging to my credit score and reputation. I had an auto loan with Capital One Auto Finance that shows inaccurate late payments. I don't recall ever paying this account after the due date. I have asked Capital One Auto Finance to correct this information but they state that they confirmed that the late payments are correct. They have not supplied me with any documents, such as signed and dated cashed checks or any other physical documentation containing my signature showing when payment was due, when payment was made and when payment posted. Capital One Auto Finance is also out of compliance with the Federal Fair Credit Reporting Act specifically in that they failed in their duty to notify me regarding their reporting negative information with regards to FCRA 623 ( a ) ( 7 ) ( A ) ( i ) and also failing to notify me within the given time frame with regards to FCRA 623 ( a ) ( 7 ) ( B ) ( i ). Capital One Auto Finance has also not conducted a " reasonable investigation '' that would remove any doubt of the accuracy of this information they are reporting to the credit bureaus as outlined in the FCRA 623 ( a ) ( 1 ) ( A ). A copy of correspondence from Capital One Auto Finance to me is attached to this complaint. At this time, I would like Capital One Auto Finance to update this account to a Paid/Never Late status on my credit reports as they can not verify that this information is accurate.
XXXX ( collections department for XXXX healthcare ) Has reset the dates of my medical debt on my credit reports, in multiple cases is double reporting the debt XXXX 3 times for the same bill, and is not reporting the debt as medical.
I was denied an auto loan by XXXX XXXX, based in part on information from XXXX XXXX. Under the Fair Credit Reporting Act, I have attempted to contact XXXX to obtain a free copy of my credit report. However, I have been unable to obtain an electronic copy or talk to someone at XXXX to assist me in obtaining a credit report. The phone rings during business hours, but no one ever picks up the phone at XXXX.
I mistakenly took a {$650.00} loan/payday loan which the lender describes as an installment loan on XXXX/XXXX/15 because I had expenses I could n't afford. I did n't realize the APR was 388.28 % nor do I have a copy of the loan disclosure.
American Financial Resources ( AFR ) is the is the Servicer on my mortgage. Currently shows that America Financial Resources is a XXXX XXXX affiliate of this lender of my mortgage. XXXX financial is the affiliate owner of AFR. Homeowner has submitted the RMA requesting modification over three times and the same results : lost paperwork, or denied without explanation. 

The most recent realization is that the XXXX and XXXX, 2016 mortgage payments possibly will be late. 

Homeowner has generated a NPV Report, data collection date of XXXX/XXXX/2016 and shows homeowner can possibly qualify got a modification. Homeowner will be be in default since XXXX/XXXX/2016. 

Homeowner is formally applying for a RMA application. Recent comparable of comps sold in the last 90 days is {$150000.00} value as compared to $ XXXX XXXX. This shows a LTV of 183 % in homeowners current mortgage condition. 

The comparable recent sales : recent comp is {$150000.00} to {$160000.00}, sold in XXXX, 2016. The income, DTI and LTV Loan to Values used by the services in the denial of the RMA application are in error. I have provided a recent NPV Report dated XXXX XXXX to show proposed modification data date XXXX/XXXX/2016. 
1. The estimated homeowners value is overstated ; off by {$120000.00} 2. Current street value of the home is {$150000.00} as of XXXX/XXXX/2016. 

The Homeowner is requesting : who or whom, is the current investor/lender. 

The servicer and the investor are signature to the XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement.
I AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX CRE ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT UNKNOWN ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ALONG WITH THESE INQUIRIES : ACCOUNT NAME : XXXX CARD DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2015
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION  COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification  CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I HAVE A Maximum Delinquency of 120 days in XX/XX/2012 for {$8600.00} and in XXXX AND I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENTS OFF XXXX XXXX XXXX XXXX XXXX  ACCOUN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT STATES I HAVE A >Maximum Delinquency of 30 days in XXXX HOWEVER I WAS NEVER LATE ON THIS ACCOUNT
A company Northstar Location Services ( phone number XXXX ) has called me multiple times looking for a consumer. The consumer is not me nor do I know the consumer. I have notified Northstar each time they call that their skip tracing is faulty and they are calling the wrong number. Every time, they assure me that they are removing my number from their system and then, the next week, I receive another call from them. 

The company is calling me repeatedly at work after being notified that it is the wrong number and the company is failing to maintain an effective internal Do Not Call list.
I, like many other consumers, recently was informed my Federal Family Education Loans ( FFEL ) do not qualify for the Public Service Loan Forgiveness program. I have consistently been making monthly payments on my XXXX and XXXX school loans for 11 years, during which time I have worked only for non profit employers. My loan has been serviced by a number of companies, including Nelnet, XXXX ( formerly XXXX ), and XXXX. Throughout the course of paying back my loans, I would call from time to time to inquire about repayment options and to ensure I was utilizing the best option for my income and financial situation. I was told, on more than one occasion, by more than one of the loan servicing companies, that my loan would qualify me for the PSLF program after I made the XXXX consecutive payments. I now know, that is inaccurate information. I could consolidate my outstanding balance to the appropriate loan type, however, the XXXX consecutive payments would start over.