WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was sold to Carrington Mortgage Services in XXXX. After we sent in our XXXX payment, Carrington lost {$100.00} of the payment. They could not account for it, and they did not know where it went. After numerous phone calls, they finally agreed to look into it. It took Carrington more than XXXX weeks to correct it, and they still offered me no explanation as to what happened. 
This is when it gets fun! To correct the problem, Carrington deducted a whole additional payment ( {$1200.00} ) from my checking account Without notification or my permission. They were able to do this because they made an electronic-funds-transfer from my original check, and then they also deposited the actual paper check ( same check number too! ). Needless to say, XXXX mortgage payments withdrawn in 32 days overdrew my account. After racking up NSF bank fees for three days, Carrington quietly deposited the money back in my checking account with the notation " check pymt PCF ''. They did n't even attach their name to the transfer. I called Carrington as soon as I found out about this, and all they had to say was " They could n't understand why I made a payment in the middle of the month? '' They could see the extra money, but " there 's no way that they initiated the transfer ''. The woman said that there was nothing they could do. She suggested that I send Carrington " All my bank statements, dating back to XXXX '' XXXX? Are you kidding me? You want some DNA too? Maybe my ATM PIN? I spoke with her supervisor, XXXX, and he said the same thing. I told XXXX that I wanted to Opt-Out of electronic-funds-transfer on my mortgage, and he said that I agreed to that by having my mortgage with Carrington. I told him that he had to abide by my original loan terms, and asked why my monthly statement from Carrington included HIS phone number if I wanted to opt-out of EFT? 
Bottom line : Carrington Mortgage is a bunch of loan-shark, scam artists that ca n't even read the information they publish on their own website. They must be used to dealing with lots of delinquent debtors that they can silently exploit as second-class citizens.
In addition to our regular monthly mortgage payment, we make extra principal payments to Green Tree Servicing, and designate these payments as additional principal, as allowed by our mortgage.  Green Tree, however, will not apply these amounts to the principal unless they are exactly equal to the monthly payment.  In the meantime, they hold and use our funds.
XXXX account XXXX was paid in full and not settlement. i have sent information indicating the account was paid in full. its being reported as settlement by XXXX and Equifax.
XXXX XXXX XXXX XXXX continue to call my business phone number trying to collect a debt. They call from several different numbers and continue to do so after I block their numbers
This started in XX/XX/XXXX when Sears alerted me to high value charges. Since then there has been multiple communication with Sears Credit Card Fraud Department since this date both in writing and over the phone including Today. Sears Cred Card Company currently claims I owe over {$3800.00} in fraudulent charges to them that I never made and have reported this to the credit bureaus even though according to my records Sears Credit Card Company owes me money since I have paid off everything that I charged to the account. They are trying to claim these charges are mine when the paperwork that they sent to me from XXXX showed an XXXX XXXX made these purchases and was shipping them to my address but was taking the packages off of my porch prior to me getting home since this XXXX XXXX knew I am gone at least 10 - 11 hours a day. This XXXX XXXX and not me is the one responsible for these charges. Despite alerting me to these fraudulent charges, Sears Credit Card Company was doing nothing but giving me the run around by saying different things such as the investigation is still open then it is closed then it is still open. Sears Credit Card Company has failed to give me a detailed explanation as to why I am responsible for  these charges when an XXXX XXXX made these purchases and swiping the items from my porch area prior to me getting home. I was not aware of these charges until after Sears notified me. Starting prior to this time period and up until XX/XX/XXXX, when this XXXX XXXX was shot to death due to him stealing from a XXXX in XXXX, AZ, he has a long history of theft. XXXX XXXX took advantage of my kindness, took my credit card number and wrote it down, possibly while I was asleep since I am hard of hearing and do not always have my hearing aides on, and recorded this information on his XXXX, XXXX, and XXXX accounts. Sears has failed to remove these fraudulent charges and is trying to get me to pay the $ 3800+ balance and reporting this information to the credit bureaus when it is clearly evident this XXXX XXXX was the one who made the purchases. I expect Sears Credit Card Company to remove these fraudulent charges from my account along with paying me back the money that I have overpaid to them. I have included what is my charges and the amount that I paid. Everything is not me.
Experian is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me.
Transfinancial Companies is reporting an unknown medical account ( s )  XXXX in the amount for {$120.00} ) on my credit report ( s ). I mailed Transfinancial Companies a registered and tracked letter via the United States Postal Service on XX/XX/2018, requesting validation for the debt/account ( s ). More than thirty days have passed and Transfinancial Companies has not responded to my request for debt validation for the account ( s ) their company is reporting on my credit report ( s ). Transfinancial Companies has not responded to my letter requesting debt validation but continue to report the unvalidated/unverified account ( s ) on my credit report ( s ). In addition, Transfinancial Companies placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Transfinancial Companies never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ) .Moreover, I have always retained medical insurance. I contacted my medical insurance carrier and the original creditor regarding the account ( s ) /debt in question and was told by both that I did not have any outstanding medical bills that were not paid in full.

Transfinancial Companies is causing me injury and is harming me emotionally, physically and financially and causing me mental and emotional stress and anxiety, which are  exacerbating and aggravating my current medical issues.
Got debt collection notice in mail today from XXXX XXXX XXXX of XXXX XXXX Notice was in Spanish. 

Called XXXX XXXX XXXX at XXXX to ask for an English-language copy. Agent said she would send one and it would arrive in 7 to 10 business days. 

Filed a complaint against XXXX XXXX XXXX with the State Attorney Generals office. 

Called CITIBANK to see if debt may have been based on identity theft. Agent told me that no account existed in my name or under my social security number. So question remains how did XXXX XXXX XXXX tie me to this debt, if a real debt it is. Did XXXX invent the debt? 

Contacted my lawyer XXXX XXXX in XXXX, MI. Told me to send certified letter and what to put in it. Did so, which XXXX XXXX XXXX received. 

On XX/XX/2018, XXXX XXXX XXXX sent me another notice also in Spanish. 

On XX/XX/2018 XXXX XXXX XXXX responded to my certified letter of XX/XX/2018. This response was composed of an explanation of where the debt came from but did not contain any supporting evidence beyond what it claimed appeared in an electronic file indicating the debt. 

XXXX XXXX XXXX never responded to the fact that the debt was incurred via a CITIBANK credit card, which I do not have and, moreover, CITIBANK has no record of me owning one. CITIBANK checked its records via my name and social security number. 

Will send another certified letter demanding payment history, one from CITIBANK itself. ( Haven't sent as of XX/XX/2018 ). 

XXXX XXXX XXXX has not provided anything beyond what it said appeared in the Sellers records. 

Called XXXX XXXX at around XXXX XXXX. Wanted more information about lack of detail in response to my certified letter. Spoke to XXXX XXXX in dispute department. She thought it unusual that the notices were in Spanish and that the billing address was in California. She promised to do more research and that I should call her in a week. I told her I wanted a letter from XXXX XXXX indicating all of the information it had on the information she told me or I would pursue matters with the Michigan State Attorney Generals office. Earlier in the conversation she indicated that the AGs office contacted XXXX XXXX. 

On XX/XX/2018 XXXX XXXX XXXX send copy of billing statement from a Sears in Spanish indicating the debt of {$360.00} and giving the address to sent the amount to Sears Credit Cards. I thought the debt was incurred via a CITIBANK credit  card. I also got the address of the person or persons who made the purchase. XXXX XXXX XXXX never bothered apparently to check to see if the address was valid. It isn't. I looked for it in XXXX I also got from XXXX XXXX XXXX a form for filing a dispute related to identity theft/fraud in which I am to include my social security and driver 's license numbers. 

I just called my lawyer 's office.
SunTrust Mortgage has foreclosed on my home. During this process they were required by law to give me an option to rescind ; XXXX The form was never provided to the consumer of our right to rescind at the beginning or during the process. It is important for all these alleged creditors to abide by TILA to make sure our constitutional rights are protected. We still have not received this form from SunTrust Mortgage. Where is the consumer right to due process according to TILA outside of the court. Making us aware of this situation would have provided us a proper relief rather than going through the embarrassment of court.
Midland Funding LLC by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.
During t he past three years Chase has charged my account with excessive overdraft fees. These fees are illegal penalties under contract law. Restatement ( Second ) of Contracts 356 ( 1 ). Many banks have been sued for these illegal charges. The fees bear no relationship to actual costs incurred by the bank and are thus illegal penalties under the Restatement of Contract.
On XXXX XXXX XXXX I sent two Mortgage Payments of {$820.00} to the Loan Originator and then soon to be servicer and owner of my Promissory Note and associated Contract ( s ) to the Company of which I am hereby complaining about, iFreedom Direct Corporation. Those payments were both sent pursuant to the Final Closing Disclosures issued by the Loan Officer, XXXX XXXX by Certified Return Receipt Requested US Mail Article # XXXX. Those payments were received by the company on XXXX/XXXX/XXXX. On that date I received a call from the Company, XXXX, wherein the company attempted to explain to me that they did not want the payments. I replied by stating they were discussed with my loan officer [ see attached emails ] prior to my executing the agreements and I was assured the two monthly payments { for XXXX & XXXX XXXX } would make it to the chosen loan servicer. On XXXX/XXXX/XXXX I received a statement and bill from XXXX indicating that the two previously remitted payments had NOT been surrendered to that servicer as was promised and as law dictates they should have been. I sent a payment that day for the XXXX XXXX payment ( so indicated on that personal check and on the enclosure ) by Certified Return Receipt Requested US Mail [ Art. # XXXX ]. On Saturday XXXX/XXXX/XXXX I attempted to phone CENLAR in an attempt to reconcile my records and payments with their real-time ledger on my account, I was unsuccessful but was able to get an automated service which indicated that " there was action on my account on XXXX/XXXX/XXXX. I need to know what happened to my personal checks? Were they remitted and forwarded to the Servicer? Are Credit ( s ) going to issue for my XXXX and XXXX Payments? Has the most recent check been applied to the XXXX XXXX statement? Any insinuation that I must have sent a payment or payments to a then unknown servicer is absolutely rediculous. The Loan Officer was made fully aware that I was paying the note in advance and each were executed before closing the loan.
Hello, I had been a long standing Citi Credit Card customer for the last 16 years having the account go back to 2000. In XXXX the account abruptly closed without notice to me. I only found out about this when I attempted to update my contact info and was unable to online. When I called to update it I was informed the account was closed due to inactivity. Like many other young Americans I 've been working my way out of debt and had reserved this card for emergencies. Had I known of an inactivity limit or been given a warning I would have taken steps to prevent this. 

Upon learning this I asked for the account to be reopened and was informed I would have to submit a new application for this including a credit check. I do n't understand why this was necessary with 16 years of good history but I consented even though it would mark as a hit to my credit. A few weeks later I received a letter saying my request had been denied due to insufficient information even though I answered every question asked by the representative during my original phone call. I was given a number with a time window to call and have this taken care of. I called the provided number and after a 1/2 hour on hold was told a different department would need to call me back. They never did. I wrote an email stating I did not understand the problem and asked for the correct people to call me. Another generic customer service rep called and again transferred me to a different department. They said I needed to submit a new application, something I had already done something I did n't want to do with another hit to my credit. During this process I was disconnected and was not called back. I wrote again asking the correct people to call me and stating I do not understand why this is such a hassle. 

During these phone calls I was also given conflicting information by 4 or 5 different representatives. Some saying I had 3 months to reopen the account, some saying one year. In either case it has resulted in unnecessary credit reports being pulled potentially damaging my credit. Citi fails to properly process my requests and give me accurate information about the status of my account and reapplication. One simple phone call from an appropriate representative could have solved all my problems.
Per XXXX Connection policy, a certified document was mailed by XXXX to terminate the contract. The health club did not terminate contract and proceeded to continue charges and amount was submitted to First Credit Services collection agency. I have copies of the certified document as well as the tracking label of the certified document.
I was stunned after I obtained my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they  verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
I understand from news reports consumer protection is low on the priority list for this department however this is important for all working Americans. We just recently had our B of A checking account stolen and used in an attempted fraud case. We learned that individuals can get Visa checks printed through places like XXXX on the cheap just using bank routing and account numbers. This is what happened here. Somehow a person or persons stole or lifted our account numbers had cheap checks printed and tried to use them to get money from the B of A. If it were not for the fact there is limit that triggers the bank to ask question this person would have succeeded. The bank manager explained this type of theft/fraud happens all the time, such that first time perpetuators are not reported to the police. All consumers using bank checks need to be protected from this type of theft. The bank should be the ONLY place checks can be obtained. Having outside businesses be able to print checks independent of the bank issuing the checks is just asking for theft and fraud.
I reviewed my Transunion Credit Report and they are reporting a XXXX Auto Loan with late payments. I have contacted XXXX and they confirmed that I never missed a payment and that my account was always in good standing until the account was paid in full. Furthermore, this account is more than 7 years old ( XXXX XXXX, 2007 ).
My husband died in XXXX 2013 and I have been trying since XXXX 2013 to get a loan modification. I am a senior citizen and have provided SPS with the requested documents so many times I have lost count. I have never been able to talk to XXXX XXXX the relationship person assigned to me. Every time I call with is once a week he is never available, thus, each time I speak to a different person and get a different explanation as to why my loan modification has not been completed. XXXX reason given I is that my picture on the license I faxed in is too dark, which I find very offensive and do n't know how to fix. Another reason I have been given is that they could not find my son 's name on the check stubs faxed in. Which again I do n't understand because the previous person said they see the name. Every time I call which is once per week, I talk to another person and get another reason. It has been almost two ( 2 ) years and still no loan modification. I am falling deeper and deeper into debt and fear losing my home which is putting me under a lot of stress. I want the mortgage company to modify my loan. I want a fixed rate with a reasonable monthly payment and I do n't want my principle balance doubling because delinquent interest has been capitalized into my XXXX. I want to be able to talk to the same person every time I call who understands my file and my situation and who is committed to helping me. I want to stop getting the run-around from the loan servicer SPS.
Bankruptcy case #  XXXX   XXXX   XXXX  All the above cases are being reported on my credit report. the listed source of the information is listed as   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Upon speaking with them I was told that they do not verify anything with the credit bureau.They also sent me a letter which I have attached as well. After several attempts to dispute these items I was told by the credit bureau that these items were verified.
Dear CFPB, I would like to let you know that this company, JPL Recovery solutions did not cease their communication. This is a new complaint I would like to file against this company. Today, XX/XX/2019, they called my workplace and it was my manager who got a call from a certain XXXX or XXXX. I have already advised this office months back that we are not allowed to have personal calls at work and they should stop calling me there. And when I called them on my lunch break the person threatened me again about wage garnishment and giving me false information that I have a debt of {$18000.00} if I fail to pay them {$1200.00}. They did the same before when I sent in my first complaint. They keep harassing me about this XXXX XXXX   loan which I made last year but this has been paid off a long time ago. I do not owe their company {$18000.00}. This kind of action is causing me anxiety and XXXX XXXX. I hope you can help me address this issue with the said company. Thank you again for your assistance.
Received message about pursuing legal action, called back and spoke to XXXX who was very rude and would not give much detail about debt, I explained I have no knowledge of any loans or debts plus I filed bankruptcy. She kept arguing then said good luck wages will garnished and hung up, called me back and then began harassing me about filing bankruptcy in the past. They called my aunt who lives in another state and also called my elderly parents. All she said was this something to do with XXXX who I have never had a loan with. 

XXXX x XXXX XXXX XXXX
I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditors, XXXX, XXXX XXXX, and XXXX XXXX Solutions and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. Equifax only continues to update the accounts associated with these creditors.
I have XXXX accounts that are reporting incorrectly. XXXX XXXX this was shown as included in bankruptcy when I told them I do n't have a bankruptcy on my report that put it on as serious late payment history that is also wrong. 
XXXX I also have a XXXX county I called they told me I have to dispute it they refuse to investigate because if they did they would see its wrong they have done nothing and you company dose noting as well I have done this now 15 times and you have done nothing for me whatsoever
Threatened to sue me as well and filed motion in court. Opened credit card XX/XX/2007. Immediate annual fee of {$150.00}. Spent only {$170.00} total during 3 month period. Never purchased again after XX/XX/2007. Made payments totaling {$2000.00} and they 're claiming I owe more.
A qualified written request was submitted to the lender on   XXXX     with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home ).