WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a home in XXXX XXXX XXXXXXXX4.25 % 30 year through a lender that uses XXXX to sub-service their loans. In XXXX XXXX the XXXX reduced MIP by XXXX basis points. I did a FHA Streamline Refi in XXXX XXXX through the same lender ( MIP reduction plus new interest@3.25 % 30 year ) and Cenlar remained the sub-servicer. Later in XXXX I noticed something was weird with my loan breakdown screen in XXXX. Someone determined that the MIP was being incorrectly collected, issued me a refund check and for the past year, each month they collect too much from escrow and refund some back. Then, this month ( XXXX XXXX ) I receive a statement from XXXX saying that I now have a shortage amount in my Escrow account and that I owe them money ( over {$5000.00} ) within 30 days and my mortgage payment is going up staring XXXX XXXX. I have been calling Cenlar trying to work with them to figure it out, they transfer me to Lakeview Loan Sevicing 's Refi Department ( I have never heard of them but apparently they bought the loan from the original lender ) and Lakeview tells me they do n't know why XXXX transferred me to them as they only originate loans ( they also use XXXX to sub-service just like the original lender does ). Because I can see my old, paid off FHA purchase through my XXXX account as well as the newer refi through my cenlar account, I noticed that besides the MIP error they made, it looks like what they collected for escrow/taxes is much less on the refi than it is on the original purchase. XXXX has admitted on calls with me that there were errors at closing, but says its not their issue. I do n't believe that I should have to pay for errors that the lender/escrow company made. I believe that the loan amount should go up a small amount monthly ( from what I estimate, around {$200.00} to make the tax withholding the same as it was on the original purchase ( as taxes generally do n't change in a 6 month period ) ) to make sure there are enough funds in the escrow account to cover taxes, etc. But with errors by the lender/escrow company and my fully executed loan docs showing what I am currently paying as correct, I should n't have to pay the deficient balance, the lender or escrow that made the error should. Also, my original purchase loan amount was {$3200.00} ( never late ) - since the refi it was {$2400.00} ( never late ) now they are saying that it will go up to $ {$3200.00} staring in XXXX XXXX? How can that be correct? I reduced MIP and interest rate on the same ( if not less ) loan amount and now my payments are the same again? Someone needs to fix this. NOW. I have timelines, names, etc. of who I spoke to at XXXX. What is also interesting is that they say the last notes on the account are from a man, but I only spoke to XXXX women, so I am suspect that they are also changing things on their end because I have been on top of this and trying to get the responsible party for the numerous errors in disclosure/escorw/closing, etc to cover this and make it right.
I have been forced into foreclosure due to unwillingness of my lender, Ocwen Financial to modify my loan. I was only two months behind on my rent and was not allowed to make payments due that everything had to go through a relationship counselor by appointment only. The past due amount kept getting pushed higher and higher, and in spite of my attempts to catch up and communication with anyone in customer service ( XXXX % of whom are non-english or broken english speakers ) communication was EXTREMELY difficult. Each person disseminated different information. I was bombarded with paper work that i could n't understand. I am now 11 months overdue and am selling my house to resolve the matter! All this could have been avoided if there was willingness to work together and communicate. Even though I was laid off 6 years ago from my job and have been working XXXX-XXXX jobs to make up the income -- there was NO willingness from them to modify AT ALL. I have XXXX kids to feed and provide for -- I 'm done fighting for my home and not sure what the future holds for us!!!
In XXXX of 2015 we submitted a request for short sale to US Bank for retired clients that could not afford to continue living in a property in XXXX, VA. Since then we have received numerous calls for documentation which has caused us to have to submit documents over and over while US Bank sat on the file. In XXXX I received a call from the mortgage single point of contact stating the documents are all in and the file will go to the negotiator so we can get a decision on the application. Just last week the home sellers received a letter stating that US Bank needs all new documents since the current ones on fie have expired. This is ridiculous since the employees at US Bank explained that they are having implementing the process for handling distressed properties. It seems this process will continue in perpetuity. We need assistance getting this file to completion
In XX/XX/XXXX XXXX XXXX reported to Experian a debt that belongs to a corporation to my personal credit report. I opened a dispute with Experian ( Report Number : XXXX ) claiming this debt is not my personal debt. The XXXX XXXX account is a corporate account that was never tied to my personal data and the debt ( which is in dispute ) should not be reported on my personal credit. Furthermore, my personal data ( SS # and/or DOB ) was not used when the XXXX XXXX account was opened in XX/XX/XXXX. I requested Experian to request XXXX XXXX to provide proof ( in form of documents that clearly display my signature ) and if none provided by XXXX XXXX I requested Experian to remove the debt from my personal report. There is no documentation linking me personally to a corporate debt and lack of such proof should be be used to remove this negative report from my personal credit report.
A Collection Debt has been on my Experian Credit Report for over 13 years. I have asked it be removed in the past and Experian has responded by changing the " Open Date '' to make the debt seem current. This has happened several times. As of today, the debt still remains as a collection debt on my report with an open date of XXXX even though Experian has been reporting this collection debt since XXXX.
I had a an Old Navy/Credit for several years prior to canceling it in the XXXX of 2016. The following is a time line of what happened since then : XXXX 2016 - I phoned Old Navy/Synchrony Bank and cancelled my credit card account. I then destroyed my card. 

XXXX 2016 - I received an invoice from Old Navy/Synchrony Bank with fraudulent charges in the amount of {$90.00}, which were charged to the cancelled credit card. I immediately phoned Old Navy/Synchrony Bank reported the fraud and the concern that I had cancelled the card over the winter and that there should have no longer been an account. Old Navy/Synchrony Bank confirmed the fraud would be reported and that the card would be immediately cancelled. I followed up this conversation by mailing a certified letter confirming the cancellation of this account. 

XXXX 2016 - I received written confirmation from Old Navy/Synchrony Bank that the fraud was being investigated. This confirmation was followed by the issuance of a NEW credit card, which I did not request?! I immediately returned, by certified mail, this card indicated it was not solicited and demanded that they DO NOT ISSUE me a new card. I then received a invoice for charging me the fraudulent fee of {$90.00}, plus {$25.00} late fee, plus {$2.00} in interest!?!? I phoned Old Navy/Synchrony Bank to inquire and Old Navy/Synchrony Bank advised to disregard the invoice at this time as investigation was on going. 

XXXX 2016 - I received written confirmation from Old Navy/Synchrony Bank that indeed the {$90.00} was found to be fraudulent and that all associated charges and fees would be credited to my account. One week later I received an invoice from Old Navy/Synchrony Bank crediting me the {$90.00}, but still charging me an additional month 's late charge and stating that I now owed them {$53.00} in related fees associated to the fraudulent charge made on a credit card which I several months prior cancelled. I immediately phoned Old Navy/Synchrony Bank and they advised that the statement and findings had not caught up to each other and that I did not owe anything. 

XXXX 2016 - I received a new invoice with an additional month 's interest and OldNavy Visa/SyncBank is claiming I owe them a total of {$80.00}, representing late fees and interest on a fraudulent charge incurred which I had closed several months prior to the fraudulent charge being made. 

I am unable to make telephone calls during business hours week. I have spent weekends, evenings, postage, time and energy in attempting to resolve this matter. I can no longer afford to do so and ask that you assist me in this matter.
I signed up for an XXXX XXXX XXXX promotion -- internet and XXXX for around a {$100.00} a month for two years. When his first bill in XXXX was nearly double that, he complained to XXXX XXXX XXXX. 

" Every month I open up your envelope and you go, 'OK, what's the surprise this month? ' '' After, making multiple complaints to customer service I continue to get passed around with different information. At the end I was constantly placed on hold and problems was never resolved. Due overwhelming frustration I cancelled the service ; however, the continue to charge me. Now the have a collection agency {$2200.00} ( ERC # XXXX ) XXXX XXXX  XXXX XXXX FL XXXX. Every time I asked for validation of this bill the collection sells the dept and then a new collection agency attempts to collect a debt that's not owed. 

Basically, I was scammed, buy a bait and switch method. Because the never honored the promotion ; plus the cable service was always shutting office and the WiFi had a weak signal which continue to boot me off of the internet
I was recently looking through my Experian file on XX/XX/XXXX I noticed there were Inquiry 's I never gave authorization to or have no knowledge of. This was not done by me. I Called the companies involved they said it's best for me to deal direct with Experian to get them removed as they have no signed documentation since I did not deal with these companies Here are the inquiry 's that are not accurate and I would like removed from file.

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
XXXX XXXX XXXX, continues to report inaccurate repossession information on my Equifax Credit file. The FCRA prohibits companies from providing wrong information, when they know or have reason to believe the information is inaccurate. XXXX XXXX XXXX has been ignoring my disputes. The vehicle ( XXXX XXXX  XXXX ) was repoed XX/2013 in ( XXXX XXXX Florida ) but my credit file states I 'm over 180 days past due as of today. It also states I made 45 late payments which is false. After numerous disputes, the account still is reporting open. This is a violation of the FCRA, which requires that companies properly investigate disputes.
We received a wage garnishment for a debt outside of the statue of limitations, they were unable to provide any verification of debt or proof of serving paperwork for the lawsuit.
I made a payment of {$6000.00} using my XXXX XXXX XXXX online bill pay to an American Express card number that does not exist ( my error ). Instead of returning the funds to my bank, the funds just disappeared - no notification was sent by AmEx. I called AmEx and was told they would " start an investigation '' - do n't know what there is to investigate - the investigation reference given to me is : XXXX. It 's now been 20 days since the event. My last conversation, three-way with AmEx, XXXX  XXXX XXXX, and me ended with " this is our process ''. On that call XXXX XXXX XXXX provided all proof of payment and all payee information to no avail. So here I am.
I recently have tried to stop or change my auto-payment arrangement with Nordstrom rewards credit card. During the week of XX/XX/XXXX through XXXX I signed onto the Nordstrom website on four occasions and was unable to either drop auto-pay or change the payment amount from the full card amount to a lesser amount. I called three times during that week. On the first call on XXXX XXXX, I was told by the Nordstrom 's rep that the problem was my Safari browser. So I downloaded XXXX and XXXX and was unable to change the auto-pay arrangement. I called back a second time on XXXX XXXX and was told that Nordstrom had a website issue. This time they provided me with a fax number to cancel/change the autopay of XXXX. I faxed the request on XXXX XXXX. On XXXX XXXX or XXXX I checked online and nothing had changed - the autopay was still in place and I was still unable to change the payment amount from the full statement amount to a lesser amount. So I called Nordstrom again and this time they : a ) verified that there was a website issue and b ) took a verbal change to the autopay to a {$1000.00} payment for XXXX XXXX, 2016. THEN, on XXXX XXXX I received a form in the mail sign to stop autopay, and the form lectured me that the easiest way to do this was online. I signed the form and wrote an irate note on the form explaining that the website DID NOT WORK. NOW, yesterday, XX/XX/XXXX I received ANOTHER, DIFFERENT FORM IN THE MAIL, BASICALLY lecturing me again to make changes online and saying that nothing would change until I either made the changes online or mailed in this second different form. NOW I HAVE NO IDEA WHAT IS GOING ON!!!!!!!!! Have they changed the amount I am supposed to pay from the full statement amount to {$1000.00} for XXXX XXXX? Has the autopay been cancelled all together? Am I still going to pay the entire statement amount? WHAT IS GOING ON???????? After three phone calls with different instructions, multiple letters telling me to do different things, and a nonworking website I have no idea. Finally, if no payment is taken out I do not want to be penalized for a late payment because I have repeatedly tried to fix this and pay more than the minimum. Nordstrom card services are treating me horribly.
My information was sold to a 3rd party without my permission. I did n't sign anything for my information to be released to this comp [ any. This has impacted my credit score bad.
We filed a bankruptcy over 15 years ago, and a Capital One card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ) they sent us a letter for collections purpose, I sent them a XXXX Letter soon thereafter, we had never heard from them until today XX/XX/XXXX ( XXXX ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!
Today a process server showed up to a former address of mine to serve me a court summons. I have not received any notice by mail of threatened legal action and no voicemails have been left for me.
To CFPB on XX/XX/2018 I received communication from XXXX XXXX that a company named XXXX XXXX  XXXX had reported to XXXX a debt they said I owe of XXXX That's strange because I never received a notice of any kind requesting payment of this bogus debt. 
FYI : I have had XXXX XXXX and everyone knows this therefore, because this company, Receivables Performance XXXX has violated my Federal rights to be notified of the bogus debt we, my attorneys and I are sending this information to the FTC, FCRA, the Texas Attorney Generals Office as well as filing a major law suit, and be it known, should something happen to me health-wise this company will be charged with XXXX XXXX   XXXX and gross negligence.
Dear XXXX XXXX XXXX : Upon checking my credit report on XX/XX/2019. One of my student loans is missing a payment. It was alerted to me this account is either not registered properly by the agencies. In addition I would appreciate XXXX XXXX to update the Metro 2 format if there are any discrepancies with what is reported to the credit agencies XXXX XXXX, XXXX  and XXXX. Please investigate how these accounts are reporting whether closed or open and verify if the credit format is properly registered and reported to the credit agencies because the historical timeline is missing on XXXX.
CitiBank has closed my account without reason sinceXX/XX/XXXX to date, XX/XX/XXXX I have not received my account balance since closure.
I received a phone call and a late payment statement from Sun West Mortgage Company, Inc ( SWMC ) on or about XXXX/XXXX/2016. After looking at my XXXX XXXX online payment detail I called SWMC mortgage and explained my bank showed they mailed the payment on XXXX/XXXX/2016 and the payment processed XXXX/XXXX/2016. I was told they did not process the payment until XXXX/XXXX/2016, which created the late fee after XXXX/XXXX/2016. I explained they had internal issues processing my payment late and that was not my fault. They said they could wave half of late fee ( {$42.00} ). I told them no because it was their fault the payment was processed late and they had a similar problem back in XXXX 2016. They admitted the issue was internal and removed the late fee. They also attempted to force me to sign up for their auto-pay.
PHOENIX FINANCIAL SERVICES LLC has place a collection on my credit reports for {$29.00}. They refuse to Validate the debt by sending me a copy of the original statement for alleged services rendered by the original creditor. They say the debt was sold and the original records are not available.
In XXXX of 2014 I lost my job working with XXXX XXXX under no fault of my own. I contacted Wells Fargo about the loss of my job and that I was having difficulty paying on my home. After I was approved for unemployment, I inquired for a short sale with Wells Fargo, Which I was then approved for. It appeared that everything was normal with the progress of the short sale. I found a real estate agent to represent me throughout this process and I was in regular contact with Wells Fargo. During the XXXX approximately XXXX I was not able to get in contact with the agent servicing the sale with Wells Fargo. I called and called back and left messages and never received a call back from the person servicing the short sale. Around late XXXX early XXXX time frame, I received a call from an appraiser about my property saying he was unable to access the premises. I told him that I live in another state and that I was unaware that anyone was needing to gain access to the property. I myself did not have access to the property being that is was broken into and Wells Fargo had secured the property. So, I told him that the property was boarded up and secure by Wells Fargo and he would have to talk to them to gain access to the property. About a month later I found out that my short sale was dropped because the appraiser could not get access to the property, and Wells Fargo billed me all the way from XXXX to XXXX when the final foreclosure notice came out. They said that I owed them approximately {$10000.00} which I could n't pay. I found a job in XXXX, but it was making less money than what I was making before. Prior to losing my job I had not been late on any payments to Wells Fargo and I owned the property for XXXX years. Wells Fargo, I told them that I was unable to contact the person that was servicing my short sale when I found out the short sale was dropped. They attempted to contact the same guy while I was on the phone. They said that they was going to send an email to him and start to reinitiate the short sale process again, but that never happened and it led to the eventual foreclosure this month in XXXX. I do n't know the exact date, but it has been foreclosed. This foreclosure has basically ruined my credit or the bank has and I could potentially lose the job that I have now because of this foreclosure. I do n't think that I was given a fair shake. I tried to do things in the proper way, but the lender became unresponsive. There was a XXXX of people that tried to work with me toward the end of the foreclosure but it was already too late. During when I was employed I was making approximately {$XXXX} a month. When I became unemployed, unemployment paid {$XXXX}. I could n't afford to pay the mortgage and live at the same time.
On XXXX/XXXX/15 my atm card was lost/stolen in downtown XXXX. Later that night {$1000.00} was taken from my account in several large ATM withdrawals, which were not authorized by me. The next morning I was informed by card security that there might be fraud on my account and proceeded to cancel my card. I filed a claim with E*Trade in writing and after 6-8 weeks they denied my claim in a letter saying the transactions were authorized and therefore will be upheld. When I asked in writing what was their evidence for the transactions being authorized were, they replied with " any documents used to investigate your claim are proprietary ; and therefore can not be provided ''. I would like to see their evidence and if possible ultimately get my {$1000.00} back.
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX/XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Repeatedly getting phone calls from number XXXX with no VM. Looked it up it is another company who collects for XXXX. Have confirmed Via XXXX financial with a complaint thru this website that NO DEBT IS OWED. AND WITH XXXX. XXXX has told me there are multiple accounts with similar names/DOB 's to me living in California. I need them to stop bothering me please. XXXX is the phone number. Per XXXX company is XXXX XXXX XXXX