WillisBack/dataset-financial-user-claim huggingface dataset:
I fell for a scam on the Internet. I was supposed to be a collection agent for a XXXX manufacturer. They sent me a check and advised me to deposit in BB & T bank. I did. After ten days the bank assured me that the check had cleared to bank and not to worry about it. 
I transferred {$28000.00} via wire transferred to a third party. Now the bank is holding me responsible for a mistake that they made. They put a hold on my wife 's account that had {$3500.00} in it. 
I 'm XXXX years old and have no other income than social security. They had no legal right to hold me responsible or to put a hold on other family accounts. I need to have my money released. Please take care of this matter ASAP. Thank you.
In setting up a fraud recovery plan with the FTC XXXX of the steps is to request a free credit report. I did this at XXXX. After filling in the required information, I requested the free report. A message was displayed that a free report had been issued on XXXX XXXX, 2016. I did not request that report on XXXX XXXX, 2016 or on any date in the past. My complaint is that I did not request this report but it was given to someone using my identity.
I have no knowledge of this account. When I called to agency collecting it, they provided a address that I have never lived at and said it is from a date of service from 2012. They had absolutely no information and I want it removed. Not my debt.
XXXX opened up an account for someone and used my name and address to commit fraud against me. 

The account was closed and sent to a collection agency that illegal found my social security number and linked a bad debt account to my personal history.
In the month of XX/XX/XXXX ( XX/XX/17 ) I filed a complaint which was similar, if not the same, in nature as the one I am filing now. As before, I received multiple phone calls throughout the months of XX/XX/XXXX and XX/XX/XXXX, after the duration of my previously instated deferment period was to expire. I sent an email inquiring about my eligibility for a deferment, and received an automated reply back stating that they would need time to " research my account, '' whilst repeatedly calling me on whether I wanted to opt into forbearance to the point where I stopped responding to their calls. I also recently received an email urging me into opting into forbearance, which I have attached. I'm getting kind of tired of this and would rather have them outright tell me they don't check the NSLDS or XXXX unless someone with clout tells them to rather than have to file a complaint to the cfpb each time this happens.
XXXX and XXXX, Wife and Husband, true and lawful Attorney-in-Fact XXXX trade name XXXX has been in contact with BANK OF AMERICA , N.A . ESCALATION DEPARTMENT at XXXX or XXXX or XXXX, and BANK OF AMERICA , N.A . FORECLOSURE DEPARTMENT at XXXX since Tuesday, XXXX XXXX XXXX until Monday, XXXX XXXX, XXXX and has spoken to XXXX ( XXXX ), XXXX ( XXXX ), XXXX, XXXX, XXXX ( XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, SUPERVISOR XXXX ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX during this duration of a little over a month, and THEY all stated that according to BANA 's records, BANA has put the foreclosure on hold since XXXX XXXX, XXXX, and there is no foreclosure sale scheduled. 
So if that is true, then why did XXXX just find out that someone without BANA 's knowledge is attempting to hold a public auction on Tuesday, XXXX XXXX, XXXX ( open " First Attachment '' ), when there is an " Amended Notice of Pendency of Action '' filed and recorded with the EXECUTIVE ADMINISTRATIVE BRANCH OFFICE OF THE FEDERATED STATE OF HAWAI'I DEPARTMENT OF LAND & NATURAL RESOURCES BUREAU OF CONVEYANCES on XXXX XXXX, XXXX, giving " CONSTRUCTIVE NOTICE '' to the world that there is a " QUIET TITLE CIVIL ACTION '' suit actively pending. ( open " Second Attachment '' ). 
How is that possible anyway, when a foreclosure of a Mortgage may not be brought by one who has no title to it. XXXX. 
Its apparently obvious that BANA 's left hand does n't know what BANA 's right hand is doing or BANA does know about this attempted public auction, and is still knowingly and intentionally practicing deceptive and unfair acts and practices??? 
( 1 ) Lawyers can be " debt collectors '' under the FDCPA even if they are engaged in litigation activity. XXXX ( XXXX ) ; XXXX ( XXXX ) ( addressing what it means to be " regularly '' engaged in collection of debts ). 
( 2 ) Even if your law firm is a limited liability company, the owner of the firm may be directly liable under the FDCPA. XXXX ( XXXX ). 
( 3 ) Debt buyer directly liable under FDCPA if it engages in collection activity. See XXXX ( XXXX ). 
( 4 ) Debt buyer may be vicariously liable if principal-agent relationship exists. XXXX ( XXXX ). 
( 5 ) Debt buyer almost always vicariously liable for their attorney 's conduct. XXXX ( XXXX ) ( " Congress intended the actions of an attorney to be imputed to the client on whose behalf they were taken. " ) ; see also XXXX ( XXXX ) ( debt collection company can be vicariously liable for actions of collection attorney ). 
( 6 ) XXXX ( XXXX ) - letter case. " ... a debt collector may be held vicariously liable for the actions of a second debt collector working as an agent of the first, regardless of whether that second debt collector is an attorney. ''
I was told it would be good to consolidate all my loans. I asked for reasons why I would not.I had about XXXX different student gov. loans ( mine ) and XXXX Parent plus loan ( for Daughter ) They explained but left out the part about the Parent plus loan ( which was XXXX of about XXXX loans that I had been paying XXXX dollars a month on ) screwing me out of an income driven plan for ALL of the loans. They sent me a letter and told me I had 10 business days from the date of the letter to change which loans to go into consolidation. I got it on the XXXX business night. I called immediately seeing the horrible number I can not pay on the XXXX day. She said, and there is record of it, that she told the consolidation team to take the XXXX parent plus loan out. It did not happen. I get the notice by email that I will pay XXXX every month until I die. I am XXXX yrs old. 
Congratulations! You just screwed yourself. I called and they said they could bring it down to {$440.00}. That is 25 % of what I BRING HOME. I can not eat if I pay their new payment. I would like my payment to go back to the {$40.00} it was at. And the XXXX dollars the single Parent plus loan was at. OR since it has been consolidated, be realistic and make me pay {$200.00} a month. They mislead me, I asked and asked for a reason I should not do this consolidation and had they told me this was the outcome, at anytime, I would NEVER have consolidated EVER. It was never spelled out like I could understand.
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution.XXXX, XXXX and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
We initially filed a complaint with the Consumer Finance Protection Bureau on XX/XX/XXXX regarding our disaster modification to which we received a response from XXXX XXXX XXXX on XX/XX/XXXX informing us that the late fees assessed were removed and future late fees would not be assessed. Additionally, we were told that the forbearance would continue through the end of XX/XX/XXXX at which time the disaster loan modification would be processed and that an application would not be required. 
The dealing with Freedom on this disaster modification has gone from a comedy of errors to negligence and incompetency to gross negligence. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX from Freedom Mortgage informing us that as a result of RESPA and the 60-day rule that Freedom would report our account as delinquent onXX/XX/XXXX. I  immediately telephoned Freedom and after not getting a resolution, I asked to speak to someone in the escalation department and was told that I have been assigned a Single Point of Contact and that because I was current on the mortgage prior to the disaster, that in accordance with Mortgagee Letter XX/XX/XXXX issued by HUD it was a straight forward process and should be resolved within 2 weeks and the reporting would not be an issue. 
In reviewing our credit report, Freedom reported to the various credit agencies as the mortgage as being delinquent on XX/XX/XXXX ; a violation of RESPA requirement stated in their XX/XX/XXXX letter. 
Over the course of the last 4 months we have telephoned Freedom over 20 times, only to be told we need to resubmit the same material we have been submitting since XX/XX/XXXX. 
I called Freedom again last week and was told that before I can have the disaster modification I need to complete a trial period. This too was incorrect information provided, for one, we have been paying the mortgage, and secondly as stipulated in HUD Mortgagee Letter XX/XX/XXXX, a Trial Payment Plan ( TPP ) is not required before completion of a Disaster Rate and Term Loan Modification or a Disaster Standalone Partial Claim for a Borrower who was current or less than 30 days past due as of the date of the applicable Disaster Declaration. 
Quite frankly, it is clear to me that Freedom has no idea what is going on or what to do, even though HUD has clearly outlined the policy. As a result, they are now reporting a delinquency to the credit agencies, won't return a phone call to address the issue, and fail to finalize the disaster modification. As a result of Freedoms gross negligence, this negative reporting is now causing issues professionally. In addition to this complaint I am also filing a complaint with the Florida Office of Financial Regulation.
Experian is reporting obsolete information in which I am in my rights to ask for old creditors to be removed. The  XXXX  accounts are  XXXX  Account number  XXXX , date opene d  XX/2007  o ve r 10 years old  and  XXXX  Account number  XXXX , date opene d  XX/2007  ov e r 9 ye  ars old. T he accounts are passed the age of removal and the other credit bureau had no issue deleting the outdated accounts. There is no payment history as I have never paid on these accounts and I have requested that you provide verification as to how the dispute was disputed and who verified the obsolete account so that I  may o btain legal assistance to the removal of the obsolete accounts. The accounts are not only obsolete they are not attached to any other accounts.
I was behind on my mortgage & called Dovenmuehle Mortgage to arrange payment, they refused any payment & stated that I was too far behind to acept what I had to give. I told them I would do what I could & call back as soon as I had the full amount that they had told me. Two days later I had that amount, I called to make the payment & they said that I needed to pay approximately {$400.00} more since they had sent it to foreclosure. This same thing has happened to me before with them where I got behind & they said one amount & I was able to collect it & called in to pay a few days later & it was sent to foreclosure & needed more money. I understand I was behind but this is the XXXX time they have done this to me where I get all the money that they tell me that is due after they refuse to take any type of partial payment to help bring the balance down & then when I call back in they want more. As well as just about every rep that I have ever spoken with at that company is rude, condescending, callous, uncaring & make you feel like you are stupid & feel bad about yourself or your situation if you get behind.
In XXXX 2012 I disputed a judgement listed on my Experian credit report. Experian verified. I have contacted the court listed and they have no judgement rendered under my name. Further, they have stated that they have NEVER received any inquiries from Experian regarding any alleged judgement. I 'm requesting Experian to provide me with their Method of verification or to delete this tradeline from my report.
I was contacted by Navient a month ago and told my loan payments were in default and I needed to pay {$1000.00}. I told the woman on the phone that I had not received anything from them previously. When she gave me the contact information they had on file, it was an address that I had n't lived at in over 10 years. I said I did n't have that kind of money sitting around and I felt that I should 've known about the payments before they were late. She then became threatening about my credit and disregarded the fact they had the wrong contact information. My husband was in the XXXX and the address they had was our duty station in XXXX. He was XXXX XXXX and we now live in XXXX. We had to file bankruptcy and I did not know I had a payment due.
On XXXX XXXX, 2015, My personal checking account at bank of America was closed without any warning and good reason. this cause my financial difficulty and unknown damaged in the future. 
After calling BOA several times and provide the information that they need, they still freeze my money and said take 7 days to resume my account. At this time I have no confidence to the bank of america and hope this is not some employee try to cheat.
I have a mortgage which was assigned to Greentree and now they call themselves Ditech. I have my payment to auto debit out of my account every month on the XXXX when it is due. They took it out on the XXXX ( not a problem ). I got a call this morning at XXXX from Ditech asking me to make a payment, I informed him that the payment was already set up on auto debit from my account, his response was oh I see that. Well it is still pending. Why am I getting a call 2 days before my payment is due when the payment will be there on the day it is due? Also let me state NEVER have I been late in the 12 years I 've had my mortgage. NEVER did the other banks that I 've had to make my payments to in the past called me and harrassed me as much. When it was Greentree they called me asking for payment the day my check cleared my bank which is why I went with auto debit but I guess that is n't good enough for Ditech.
I submitted a police report with a police report number to XXXX   and Nordstom showing that I am victim of identity theft and XXXX is still reporting on my credit file, I had requested documentation on why they did not remove this from account and I have not yet receive anything from both party, and no resolution
Ive contacted the collection agency made them aware the cable account was open up without my authorization. Someone been using my social security for years that including tax fraud. This bill does not belongs to me im asking to be removed off my profile
Navient  ran interest on my student loans while I was still in school because we made a payment on them in the amount of  XXXX  from money that my parents had allocated to my deceased brother 's college fund. Then when I graduated they refused to put me on the Obama pay as you earn program, and instead put me on another repayment program they chose, despite me filing for pay as you ear n three  years in a row. I eventually just refinanced $  XXXX  in student loans with a private company because I knew at least they would n't  XXXX  me over as badly as  Navient.
When I noticed my credit score fell from XXXX to XXXX I requested a CREDIT REPORT FROM EXPERIAN. THEN I CALED TO CORRECT GROSSLY MISINFORMATION THAT I HAD REQUESTED A CREDIT CARD BE CLOSED, among other stuff i.e. that I had a credit card balance of over {$200000.00}. I also requested that an explanation of my one late payment since the early 2000 's reflect that I was in hospital. I then got the credit card company to call XXXX and all they corrected was that I didn't owe {$200000.00}. Instead of showing that m card was closed in XX/XX/XXXX, the new report from Experian showed it was closed in XXXX! I again called the credit card company that sent me a letter stating my account was open and sent a coy of that letter to Experian. I sent a letter to two different P.O. Boxes that Experian uses. This problem has yet to be corrected despite numerous attempts by XXXX and myself. Currently I have a bad case o XXXX and am not driving, but to the bank and food store. The method of disputing claims on line is too difficult for XXXX seniors using public computers with assistance. These credit reporting agencies should be put out of business because of these user unfriendly practices. XXXX XXXX., XXXX  XXXX  and XXXX
Ocwen is my mortg. company that just in at best, the past 5yrs to date, I have had countless issues, paid my own way through escalated foreclosures that I had to hire an attorney as well as was awarded a very small " award '' & acknowledgment from the government 's Independent Foreclosure Review Board for their illegal practices that are still continuing today, XX/XX/XXXX. For over a month I have been yet another victim to their many tactics. XX/XX/XXXX, I contacted Ocwen regarding various mortgage options avbl. to me & the requirements for them to send me the modification packet as I requested. For the next month, as I followed up every week, Ocwen stated they never rcvd. the authorization from my attorney to discuss my acct., as required. After that point, my Atty faxed another letter on XX/XX/XXXX. Ocwen stated it takes 2-3 days to update receipt of paperwork so when I folliwed up XX/XX/XXXX, Ocwen stated my Atty. neglected to put my case # on the authorization that was faxed. They & my Atty. we 're immediately contacted to clarify & rectify the situation yet Ocwen insisted they still could not move forward until a new letter with the case # was faxed by my Atty. I followed up with both parties every 3 days & after speaking to Ocwen Monday of this week & after having choice words with my Atty, I was provided w/ a copy of the XX/XX/XXXX letter they faxed to Ocwen that low & behold, has all the info. I was instructed by Ocwen needed to appear, including the case #! On XX/XX/XXXX, When I confronted Ocwen with my Attys. proof of the letter, I was then told, yes, it dies have the case # they spent a mth. was not included, but now stated the wording in the authorization also did not suffice, prompting my Atty to have to submit yet another letter faxed XX/XX/XXXX. Ocwen has instructed me to check back w/ them on XX/XX/XXXX to confirm their receipt of the letter & see if it allows me to receive the modification documents as I requested.
Car was declared a total loss. Insurance called loan ( BBVA ) to get pay off. Pay off was sent in writing to insurance company. Insurance company sent check, loan advised wrong amount and that they made a mistake in the letter. Letter states it is a guarantee.
navy federal credit union has been reporting information that was previously deleted on my credit file the information was attached to fraudulent activity in the year of XXXX no reporting or any validation of debt letters was sent to my addresss and then admititted thru phone conversations that they did not have the right address on file and still continued to report the information after me giving notice in writting as well as verbal communication to there recovery department then on XXXX/XXXX/XXXX reaged the information and reported it to XXXX as if the information had been reporting the entire time on my credit file. I had a converstion with a XXXX XXXX in there recovery department where i was rudely talk to as well as hung up on in my attempts to try and resolve the issue i also spoke with another coworker of the supervisor by the name of XXXX who was also a supervisor alerted her to the issue and told her that i have written in and called on several occaisions trying to get the matter resolved only to be told that there was no way that the information would be removed even if there where violations under my states fair debt collection pratices act and all informaation that they are reporting will stay the same even if i dont think its fair. Aftrer requesting to speak with the director by the name of XXXX XXXX i was told that no one there will be able to handle the issue and that i needed to put everything in writting again which i did and no one contacted me back. also there was no mention that they where seeking to collect on a debt that they had charged to profit loss without giving any notice that it was there intention on collecting on a debt and that it was in leiu of the communication. Also the account does n't belong to me as the account number doesnt even exist in there records but are still reporting the information after being communicated with knowingly that the information is wrong and that it was in violation of my consumer protection rights. After calling back to try and create a resolution i spoke with another worker by the name of XXXX and was flat out accused of lying and she accused me of commiting a creime acting in the capacity of an goverment official and that i was harassing them and that if i called back again they where going to get me arrested. Also the accounts that they are reporting in my name does not even exist which if there saying that they know the information as being accurate even though the information is not in there system. and the accounts there reporting doesnt exist.
I have disputed an entry several times in my report. Now the entry shows as " account in good standing '' but the details are still wrong. The account still shows many months of " charge off '' in the payment history, the balance says N/A when the balance is XXXX, and the account history shows the remarks " Charge Off as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX Bankruptcy Dismissed on XXXX XXXX, XXXX. '' None of this is correct. This debt was paid off, there was no dismissed bankruptcy on XXXX XXXX, XXXX and this debt is not a charge off. I can not get a straight answer from Experian.
Today XX/XX/2018 Equifax added a personal statement to my consumer credit file without my consent. The statement they added was for as an explanation on a account I was disputing. This was not to be meant to be used as a personal statement on my credit report. Not only that but Equifax added my ex wifes name to the consumer statement. I want them to remove the consumer statement. I never gave them consent to use my dispute explanation as a consumer statement. I have included a screen shot of the consumer statement Equifax added to my credit report without my consent that violates my rights and privacy.
For two months, repeated attempt to collect a debt that is not mine or does not exist. Said they have my address to a house I have not lived at for at least 10 years. Have asked them to remove the number but the calls come in again. The following are all the numbers that have called me from this company ( that I know of ) : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Said the company name is Radius Global Solutions, formerly XXXX  XXXX XXXX
Good afternoon, My name is XXXX XXXX my home equity loan is finance with XXXX XXXX XXXX loan number XXXX ). As a verification of mortgage indicates as well as a payment history illustrates, we forward our mortgage payments to XXXX XXXX from the XXXX to the XXXX of each month. XXXX XXXX has recently reveal the following : Example, if XXXX XXXX payment was received on XXXX XXXX, XXXX and XXXX XXXX payment is received on XXXX XXXX XXXX, according to XXXX XXXX the payment is considered thirty days late and XXXX XXXX reports to the credit bureaus the mortgage payment is thirty days late. We have attempted to resolve this matter with XXXX XXXX, However after speaking with several customers services agents and team leaders the situation continues to exist.