WillisBack/dataset-financial-user-claim huggingface dataset:
I paid my Capital One cards to XXXX, they accepted payment then put my account on restriction, Im currently XXXX overseas, I contacted them and was told my accounts were closed. They would not give me any other reason or explanation. I carried a high balance due to a lenghty and expensive divorce, as soon as I was in a financial position to pay them to XXXX balance, I did. I thought I would improve my credit score, they have closed my accounts which has now damaged my scores. I paid on time and was never late. I have also had vehicles financed through them, which I paid on time and was never late. Closing my accounts without warning or reason is bad business in my opinion.
XXXX/XXXX/2016 I contacted the credit bureau to request validation of the debt they are reporting on my credit report from XXXX XXXX XXXX. I was unfamiliar with the balance due so I requested statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

This account was paid in full to the original creditor before entering into collections and I requested the account be closed. In the past I have provided Transunion with copies of my bank statements showing payment of the balance due in full at the time of the account closing. I requested statements from the original creditor to show how the balance came about. The creditor has not sent me any documentation displaying how the balance was accumulated.
XX/XX/2016 our prior mortgage company sold our mortgage to PNC Mortgage. with our first payment to the new company to begin on XXXX XXXX. PNC did not have us set up in their system so we were able to pay over the phone without any extra charge. For the XX/XX/XXXX Payment I paid on line and was charged a extra fee of {$7.00} even though in this day and age everyone pretty much pays their bills on line I do n't think we should be charged for a service in which they get they funds quicker ... that is the first issue. Here 's where the big issue starts ... for the XX/XX/XXXX payment I sent in a check with the coupon from the book they sent us. I made my check for the amt. they had on the XX/XX/XXXX coupon only to be told that we did not submit the correct amount that we still owed {$81.00} more even though that 's not the amt. on the coupon. They called and said they were holding our funds but cashed our check. After speaking with a supervisor who did a escrow analysis on our account we were told that we only owed {$24.00} and received a confirmation number that we paid the extra funds. We were told that a new coupons with the additional {$24.00} each month would be sent with the corrected amt. We now received a letter saying that we owe an additional amount of {$56.00}. Just prior to the sell of our Mortgage we made a payment of {$500.00} to our escrow to make sure it would not be short and to keep our payments the same or less. Also the PMI came off during this time, plus we lowered our homeowners ins. We have never been late or short during the 13 yrs. that we have had our mortgage, if anything we overpay when we can to help pay it off sooner. PNC keeps changing the amount which is causing us to look late when in fact we are not. We feel PNC is purposely causing this issue by not having their books straight. We have never experienced this with any of the other companies that have purchased our account in the past. We feel that they are tacking on additional funds that are not suppose to be there. Please help us resolve this issue. We have no idea as to what we are to pay in XX/XX/XXXX.
Midland Mortgage co.
is reporting that my home loan acct was included in a bankruptcy. This is wrong, It was reaffirmed. I paid it in full and never missed a payment. I contacted them about this error and was told this account has been settled and they have no interest in reopening it.
Side note : they have over the years been very difficult to get info, they refused to return my mortgage ins payments long after I was not required to make them and even wrote a reply letter of refusal stating I was not eligible to stop mortgage ins ever. I believe they owe me several years of mortgage ins payments. 

most times I contact them they ca n't find my acct. until I am persistent
My last apartment i rented the slum lord lied i neber even gpt evicted but its on my rental history report. Want to dispute it and get my record cleared
My mortgage was sold last year to XXXX XXXX and is processed via Loancare. As of XX/XX/XXXX we qualified to have our mortgage insurance, which is about {$200.00} a month, dropped off our mortgage payment. Loancare told me how to request that this insurance be dropped. I followed their instructions and had no response. I tried again and had no response. I have spent hours on the phone trying to work this out. Sometime their people do n't know what I am talking about other time they can see that I have sent in the request and that no one has done anything about it. I have since looked up this problem and it seems like lots of people are having issues with their mortgage via Loancare in the last month or so. I feel like they might be scamming people out of lots of money.
The SSI deposited money by error in my Chase bank account. Chase took the money and adding it to my pending balance. ( My account was closed previously for fraud and they didnt solve the case so they added it to my account balance )
I have asked for over 2 yrs to be provided documentation from Fifth Third Bank that the credit card they show on my credit report is valid. Put in disputes with the credit bureaus but none of the XXXX will change the line. I did not sign an applicaiton for joint credit the card was in my wifes name, I have never had a card was not aware of the card. Have asked XXXX multiple times to provide a signed application giving them authority to use my credit or list me as an owner but they have failed to provide a signed app or remove from my credit report.
I did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - EQUIFAX DATA BREACH ... 

^^^^^^^^^^Equifax IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late
Portfolio recovery has bought a debt from XXXX XXXX XXXX, in which the original creditor was XXXX XXXX. I paid the balance to XXXX XXXX XXXX. I currently have an open and good standing account with XXXX  XXXX that was opened in XX/XX/2018. Portfolio recovery is trying to collect on a debt in which I already paid. I have tried to dispute this with the credit bureaus and has had no success. Portfolio recovery has harassed me by calling my cell phone constantly and sending me mail!
Vital Recovery Service will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.
I was unemployed, and asked to be switched to Income based payments. Navient instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.
Equifax refuses to remove paid state tax liens even though they are satisfied. They " require '' a court order for deletion of the state lien. Meanwhile, the clerk of the court says they have never done that and will not do that. Otherwise, they 'd have everyone in there doing it. So I 'm stuck. Punished for 10 years for merely a few hundred dollars. Why will the federal tax lien be removed upon request which I 'm guessing is THOUSANDS, but the state will not budge? Please help.
OCWEN Loan Servicing , LLC ( " OCWEN '' ) was given written notice of demand for a Beneficiary Statement pursuant to Cal. Civil Code 2943 ( a ) ( 1 ), ( 2 ) ( A ). Such notice was received by the Company by certified mail on or about XXXX XXXX, 2015 and was signed for by Company agent/employee. OCWEN has failed to comply with the beneficiary statement request. 
The full text of my complaints are in the attqached documents.
I wrote various letters to XXXX XXXX over the course of the last year regarding negative remarks posted to my XXXX XXXX and XXXX credit reports. I requested that their office provide me with suitable validation of the alleged debt ( that I was indeed the party who is bound by contractual obligation to pay this debt ). I specifically requested that they send copies of an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. Not only did they not do so, but they claimed that the account belonged to a company called XXXX XXXX. I wrote XXXX XXXX back letting them know that the account is NOT being reported by XXXX XXXX. It is being reported by XXXX XXXX, meaning the following. If XXXX XXXX is admitting that they do not own the account, they do not legally have the right to report anything regarding the account on my credit! I expect that until my reasonable request for validation is met, this account must be deleted from my credit files.
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
In XXXX, my ex-wife opened a Capital One credit card as a joint account wherein I had no information. She has defaulted on this account and Capitol One has been placing negative information on my report even though I have never received information in the mail or otherwise over these 20+ years. It was in the summer of XXXX when I was brought in on the program with Capitol One in which they state I owe the money.
It seems to be a account in my name that some one used my social to get accounts and inquiries under my info. From speaking with the companies it look like oh t all took place in XXXX somewhere. I have reached out to both companies and were informed to do this and also a police report which is also done. Can someone please help me get these removed asap. Thanks XXXX open XXXX, 2018 amount owed {$720.00}
AmSher is attempting to collect on a debt that i do not owe .I mailed a certified debt validation letter to their company requesting specific documentation to validate the debt which are a signed contract with my signature binding me to this debt that they are claiming i owe.Also i asked for information regarding how much they paid for the debt, and other important documents which i have not received therefore the debt has not been validated Amsher only sent a account summery no signed contract .By law the FCRA requires debt validation which has not been done by AmSher they are in violation with the FCRA and i will file a lawsuit if this debt is not removed of my credit report.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert from my credit profile
Was put into collections by XXXX ( XXXX XXXX XXXX XXXX in Washington State ). 
Paid all arrears in full XX/XX/, no longer delinquent. 
Contacted both XXXX and Trans Union by phone in XXXX to have the collections from my report. 
It has not been removed and is hindering my Credit Score.
I settled an account with GM Financial in XXXX 2014 ; however, GM continues to reflect an unpaid balance. I spoke to a representative in the " Escalation Department '' that told me that the only way to remove any showing of a balance, even after paying the settlement off, is to pay off the difference. The pre-settlement balance was approximately {$6000.00} ( uncertain of amounts ). GM and I agreed to a settlement of approximately {$2100.00}, but continue to report that owe approx. {$3900.00}. Is this double jeopardy? Although they agreed to the lesser amount, they 're telling me they wo n't remove the unpaid difference from my credit report. I 've asked for a letter from GM that states the account was settled for $ XXXX with a {$0.00} balance due, but they will only send a letter that says the account was " settled in full ''. I 'm not sure what that 's supposed to mean to me and other creditors when GM is still showing a {$3900.00} balance due? I 've tried working with them, but I 'm not getting anywhere.
I start making payments to XXXX XXXX on XXXX/XXXX/2012 to XXXX/XXXX/2015 on time for the amount of {$100.00} a month, and XXXX funding they said that already report all payments on time but is not in my credit report I want Experian credit bureau to credit my report pay as agreed for all payments I have made ontime to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.
XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to an account established with XXXX XXXX Bank for an amount of {$850.00}. This account was established with her information without her consent and is an issue of true named fraud and identity theft. An official dispute of this account was provided to XXXX XXXX XXXX ( MCM ) office XX/XX/2018 and was received as verified with a return receipt. Shortly after XX/XX/2018 MCM sent a second " pre-legal notification '' concerning this attempt to collect. MCM has violated the FDCPA and the FCRA in their failure to not conduct an investigation into this matter and still they tried to collect this debt. In addition the original creditor XXXX XXXX bank was also notified XX/XX/2018.
Today I tried to call this title loan company we have had an account with since 2015. I wanted to inquire as to why in XX/XX/XXXX I received a bill saying my pay off principle was XXXX $ and as of last Thursday he said it was over {$5000.00}. They did n't answer the phone it was sent to voicemail several times. I called a 6th time and the man that taped the voicemail greeting also answered. I asked him about the huge balance  difference. He said that bill was only sent to get me to call, I was shocked, that might have been criminal. He said they had a service company in CA ( Where we got our loan ) and he said they were transferring everything over to their Texas office and that he was sure it 'd be done by this afternoon. Turns out his address is at a XXXX store and he is n't answering his phone now. I just want my title back. I do n't know what else to do.
This complaint is in reference to my mortgage service provider, XXXX, i.e. Lakeview Loan Servicing, LLC. 
I have tried seven times via phone and email to speak with someone about getting my mortgage insurance removed or to initiate the process of reappraising the property 's market value. I have tracking numbers and documentation of who I spoke with in all instances. This process has now taken over four months from initial contact and I still have not heard anything back from them. This process, which I am initiating, is costing me a lot of time and money. They are either inept or are fraudulently not complying with my requests to instate the process of removing the PMI. 
The Homeowners Protection Act of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. This untimely response seems to violate my rights under the 'Non-High-Risk Residential Mortgage Transactions ' section of the act.
The XXXX XXXX XXXX XXXX is reporting a lien on my Equifax and XXXX credit reports. I went on the XXXX XXXX XXXXXXXX XXXX 's website and searched my last name to see if it was any information, there isnt.
My loan was moved to Navient from XXXX XXXX, so I did n't receive notification of where to send my first payment after completion of Chapter XXXX Federal Bankruptcy. Since the interest ballooned so high, I need to make accelerated payments on my student loans as to avoid excessive interest payments during the life of the loan. Navient will not let the payee set up auto payments in excess of the minimum payment. I had to call customer service and argue with them to increase me auto payment. After almost 1 year of making accelerated payments. Navient sent me a letter notifying me they changed the terms of my loan, which ended up meaning they reduced my auto payment amount back to the minimum. This would extend the life of the loan and cause me to pay 3 times the amount of interest. I never authorized my auto payment to be decreased. They decreased it for obvious reasons to try and get more interest payments out of my loan. This is deceptive and should be illegal. As well, the Navient Website should be set up to allow the borrower/payee to set up auto-payment amounts in excess of the minimum payment, and change it at the payee 's discretion as long as auto-payment amount does not fall below minimum amount due.
I have a Wells Fargo checking, savings and business checking account. I want to complain about Wells Fargo 's manner of charging outrageous fees one on top of the other, in order to get more fees than they are supposed to collect for a balance overdraft. Additionally, I went to change my " overdraft protection plan '' several weeks ago and the website acted like it changed it but never did, so I received more overdraft fees ( I tried to make it so that when you use the debit card, it simply would not go through, rather than go through for a XXXX dollar purchase, triggering a {$35.00} fee, for example ). It also seems like money went missing from my personal checking account on several occasions, but i ca n't seem to track down exactly what happened. i do n't believe it 's fair to charge over XXXX in fees for a few small transactions that went under XXXX, especially when I 've been a customer for a long time and always refresh the account so when on occasion it dips low, it does not stay that way for long. I 'm out of work and looking for a job, so theses fees have caused me to not even be able to purchase food or gas for my family.
The lender was provided the loan modification package for review XX/XX/XXXX - from XX/XX/XXXX to XX/XX/XXXX they were requesting docs to have a complete package - I was advised on XX/XX/XXXX the file was complete and would be sent for review. I received a call from the lender 3 times in XXXX and 3 times in XXXX advising the file was complete and under review and nothing was being requested for the review. On XX/XX/XXXX I requested the file be escalated to a manager for the review to be completed since it has not been at that point. We called for an update today on the review and again was advised that it is still with underwriting and a decision has yet to be made. The lender is in violation of RESPA which states a lender has 30 days to review a file once it is deemed complete for an underwriter to review it and make a decision on.
The company has asked that I pay a debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, they keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM.

All of these companies need to UPDATE MAILING ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX DONT SEND ANY MAIL TO XXXX XXXX XXXX XXXX XXXX CA XXXX  this address is not a good address remove this address from all accounts and update with new address.

XXXX XXXX {$3300.00} XXXX XXXX   {$670.00} XXXX {$53.00} XXXX XXXX
MY FATHER DIED XX/XX/XXXX & MY MOTHER DIED IN XX/XX/XXXX ... LEAVING THE HOUSE AS AN INHERITANCE TO ME, THE MY MOTHER 'S ATTORNEY PUT THE HOUSE IN MY NAME & I LIVE THERE FOR 8 YEARS WITHOUT MAKING ONE SINGLE PAYMENT ... NO ONE TOLD ME THERE WAS A MORTGAGE ON THE HOUSE ; IN SPITE OF ME HAVING POWER OF ATTORNEY, EXECUTIVE OF ESTATE, OR LEGAL RIGHTS TO THE HOUSE & I NEVER RECIEVED ANY MAIL IN MY MOMS NAME & NEITHER MY NAME STATING WE OWED OR THERE WAS A PAYMENT ... WE HAD THE SAME PHONE NUMBER & ADDRESS & THE COMPANY WHO IS TRY TO TAKE OWNERSHIP OF MY HOUSE NEVER SENT US ANY KIND OF CORRESPONDING COMMUNICATION AS TO WHO THEY WERE CLAIMING THIS ANORMOUS BILL WAS OWE ... THE FINALLY, SENT ME A LETTER IN SOMEONE ELSE 'S NAME & CLAIMED IT MUST WAS AN ALIENS I WAS USING! THE LAWYER WAS IN ON THE SCAM WE BELIEVE WE WERE JIPPED OUT OF OUR MOTHERS HOUSE ... .THE NAME OF THE COMPANY IS OCWEN LOAN SERVICE & WE ARE IN DESPERATE NEED OF HELP TO FILE A CIVIL LAWSUIT TO GET OUR PROPERTY BACK..
OCWEN has once again badly lowered my credit score. They fixed it back to normal except for XXXX, which they continued to bicker with and blame. XXXX blamed Ocwen. 
Today my XXXX score also dropped drastically from good to bad. OCWEN knows they are preventing me from getting a fair personal loan to pay for my XXXX that are not covered by his insurance. They know they just stopped me from getting a loan to treat termites that I was planning to do next week. They keep causing my credit score to drop drastically as they keep changing how they report my loan. Now they are reporting to XXXX XXXX that it is no longer my loan. They are hurting me and my XXXX son. I have NEVER been late on a loan payment the entire six years I have paid this loan but they keep injuring me and my son anyway.
Over the past few months, I have submitted several disputes to the major credit reporting agencies, XXXX, Equifax, XXXX and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, Equifax received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from Equifax. 

I want to file a formal dispute against XXXX, Equifax, XXXX   and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX Discharged XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.