WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing because I had a mortgage with XXXX. I received a letter on XX/XX/XXXXnotifying me I could apply for a loan modification. I filled all of the requirements. On XX/XX/XXXX I received a letter notifying me I was approved for a loan with XXXX. The letter outlined our schedule with payment coupons. Enclosed are copies of the coupons and canceled checks. I paid all payments on time. Again on XX/XX/XXXX I received another letter form XXXX stating I qualified for mortgage loan assistance. I assumed the letter was an error. the letter is dated after XXXX accepted our second payment. A payment was paid to XXXX on XX/XX/XXXX, for XXXX, coupon # 1.Second payment coupon # 2 paid on XX/XX/XXXX.Unexpectedly I received a letter from XXXX notifying me that my loan would now be serviced by Bayview Loan Servicing, as of XX/XX/XXXX.XXXX did not abide our existing loan modification agreement. Afterwards I received a letter from Bayview Loan stating they would now service our mortgage as of XX/XX/XXXX.The letter was dated XX/XX/XXXX.Bayview then sent me a statement that the date of default was XX/XX/XXXX, this was untrue. A copy of item # 10 Illustrates. How can I default on XX/XX/XXXX, when they did not have possession of the mortgage untilXX/XX/XXXX? Again Bayview sent a statement dated XX/XX/XXXX that the date of default was XX/XX/XXXX.After that I received paperwork dated XX/XX/XXXX from the law firm XXXX, XXXX XXXX XXXX had filed fraudulent papers in the XXXX County Circuit Court that the mortgage holder was XXXX XXXX. 
Likewise, I was default as of XX/XX/XXXX.Enclosed is a copy, item # 15, listing law firms as filling fraudulent papers for mortgage companies. XXXX XXXX has not been possession of my mortgage for years. XXXX XXXX can not foreclose on a property it does not own. If XXXX XXXX is the legal possessor of our mortgage, then XXXX has fraudulently been collecting mortgage payments for years. Also, enclosed is a copy of a check I received from XXXX dated XX/XX/XXXX.The check is from a law suit settlement for accounts with XXXX balance/bankruptcy or had foreclosed on property. Item # 22.  Now our home is in threat of being auctioned on XX/XX/XXXX with fraudulent paperwork. I have not applied for a loan modification, because who owns our mortgage? Who do I apply with? Likewise I have not contacted any of Bayview 's staff because who do I discuss this matter with. I have no trust in any of the forenamed companies. Frankly, I do not have confidence in their honesty. Will the next mortgage company abide by their modification? Obviously, XXXX did not. My husband had XXXX XXXX XXXX, a XXXX and numerous hospitalizations in XX/XX/XXXX.His doctors have informed me his health can not endure further excessive XXXX from this outrageous mortgage fiasco. I have been advised by legal counsel to request they " produce the note '' for my mortgage.
Wells Fargo has claimed the the XXXX was used to pay off existing loans on the property. From what I was told, if that were the case, what did I pay in upwards of XXXX to XXXX for? Wells Fargo has XXXX variations of the principle origination charges. That figure would have to factor into the HECM formula or the salesman would have to inform me that the HECM does not work for me and to find another option. As I previously stated, at the time of the HECM, I was in no danger of foreclosure. In fact, I had never even been late on a mortgage payment. Did I suddenly forget how to pay mortgages or fees associated with a mortgage on the most important asset in my life? Wells Fargo has not returned the documents I have requested, such as discharges from XXXX and XXXX proving payment. They have also not released the government recording, transfer charges and recorded deed and mortgage. Where did the recordings actually take place? Did they take place at all? I have solid evidence that it never took place in Massachusetts.
Today I read an article ( XXXX ) describing how NFCU has been accused of misleading debt collection practices, to include threatening debtors with legal action when they had no intention of actually following through with a lawsuit. 

In my case, not only did NFCU send me numerous threats to sue me, but they did so AFTER I sent NFCU written notification to cease all collection communication, as per 15 U.S.C. 1692c. 

I have attached herein copies of all correspondences between NFCU and myself.
I contacted Transunion about a public record they have listed, Bankruptcy. Transunion have it noted that XXXX XXXX verified the information. When contacting XXXX XXXX they have sent me a letter that my file has not been shared and they have n't provided any information. I also contacted the county clerk that the said bankruptcy was filed and they stated that they do n't verify any information with credit agency 's. Transunion is giving false information. 

Also under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report.
Participated in " Up to {$500.00} for your business limited-time only '' promotion. Completed the requirements : " open a Bank of America business checking account and make qualifying deposits of at least {$5000.00} within 60 days of account opening '', also " Open a Business Advantage credit card and spend at least {$500.00} on the card within 60 days of opening a new business checking account ''. However, the bonus was not credited to my account.
I signed up for a Barclaycard credit card with a promotional offer of XXXX % interest for XXXX months on purchases and balance transfers. I did a balance transfer when I opened the account, on my first statement I noticed I was being charged XXXX % interest rate. I called on XX/XX/XXXX and spoke to a representative and got a case # XXXX, they took my information and told me my account would be adjusted to XXXX % interest for XXXX months and credited for interest accrued. Follow up emails to Barclaycard have replied back with conflicting information regarding my case and when it was started, with no resolution or date to resolve of this issue.
Account showing from Bank of America which does not exist and they are reporting {$420.00} Charge off to XXXX Originated in 2007.
Since last XXXX XXXX, 2017, I have asked for these accounts to be corrected that I mention below which do not belong to me, as well as variations of names, addresses and social security # XXXX, without positive results. 

I have never had an XXXX XXXX XXXX # XXXX account which reports being lost with a balance of {$450.00} open at the moment, XXXX XXXX # XXXX that collects a balance of XXXX in loss of {$520.00}, XXXX XXXX # XXXX that collects a loss balance of {$190.00} XXXX # XXXX Credit limit of {$100.00} which I do not belong either. 

I have never lived at the following addresses, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX After the passage of Hurricane Maria by our Island I have not been able to carry out the pertinent procedures for the repair of my home either by a personal loan or with Fema for this situation that still can not be solved.
Account number : XXXX I had a balance in XXXX XXXX and paid what I was told the pay-off amount was. Then Santadar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERAYMENT! I disputed the XXXX late this past XXXX, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.
Navient Solutions is reporting derogatory on my credit report, for a zero balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
I contacted Citibank/Home Depot card service in XX/XX/XXXX regarding severe flooding, which was declared a federal disaster # XXXX, in XXXX. This caused me a major hardship as I lost my home and vehicles as well as the indirect effect on my business. The representative, XXXX, advised there would be no problem since it is a federal disaster that policies were in place to assist. There would be no late fees, interest and they would not report any negativity to the credit bureau. I asked if there would be double or triple payments due, as well as would this effect my credit limit/interest rate and she stated no. I made payment in XX/XX/XXXX and contacted the office to make sure that the above was noted and taken care of. The rep, told me that the notes were there but I was billed a late fee and interest and no credits were issued. I requested a manager call back. I made my payments as requested from then until now as agreed. I later received a letter in the mail that my credit limit was being reduced to {$1700.00} from {$3000.00}. My balance is @ {$1400.00} which now takes my bal/credit limit ratio from XXXX % to XXXX % credit used which has tremendously dropped my XXXX credit score. I contacted the credit limit management dept and requested a manager. I was contacted 4 days later with apologies from XXXX XXXX stating they had been very busy. XXXX XXXX listened and advised that she understood but nothing she could do. I then requested her manager. She advised she would forward my request. Once again, I waited and just received a call back after 3 days from XXXX. XXXX advised the same as above. I requested her manager. She did get her manager, XXXX id : XXXX in XXXX, on line. XXXX very abruptly stated that everything I had been told was correct and no changes would be made even after I advised him of the notes in XX/XX/XXXX and asked if he would research the call. He refused and said the call could not be pulled and again stated that it does not matter what I was told or what was noted he would not honor the agreement. He further refused to address the confirmation from XXXX updates and that no other negative reporting/entries exist. This is not only unfair and dishonest business practices but is also very disheartening given the massive loss as well as the effort put in to avoid this very stressful situation. Citibank/Home Depot has used a federally declared natural disaster to betray its already disenfranchised customers by allowing insensitive, inhumane, and egotistical people who lack compassion to run its business. I am deeply saddened and wish that I no longer had to do any business with this company.
American Express bluebird is making this hard on me, the seller never shipped the items and told me it would be delivered XX/XX/2018 at his word. He never sent me the tracking number. I do not get this solved or my money back, I mean it is only {$30.00} and I have always been a loyal consumer and this was my first dispute. It was never delivered I do not have any delivered date except for a screenshot of him saying it would XX/XX/2018 at his word. I have bills that need to be paid soon so I need this solved soon and get a credit added to my account. I sent documentation after documentation and they are taking forever to get this fixed. My other bank that did only took 7 business to get fixed. I love the service, but I just need the {$30.00} credited to my account and get this resolved. It has been 22 days including business days and nothing after I submit good proof to get this resolve fast.
Received {$50.00} prepaid card AMX when bought cell phone 2 years ago. Exp. XX/XX/XXXX on card. Went to use yesterday, and find out they have been charging {$4.00} per month fees since XXXX 2016, and now I have almost no money left. They claim they emailed with info. I never received said information ; and had changed my email address. I never thought to inform them, since it was a prepaid card. They say tough, they informed everyone via email they had on file. Never received anything in writing by mail. Seems like these fees should be documented via return receipt verification. They will not reimburse the fees. Funds do n't expire, they just steal the money using what they call legal fees. I would have spent the money earlier if I had known the fees were adding on there. Outrageous that these CC companies can charge this on prepaid money.From : California Code of Civil Procedure Title 10, Chapter 7 - Unclaimed Property Law 1522. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.
XXXX XXXX is being reported as being 30 days late on my Experian report and I believe that is incorrect. The account has been current always, to my knowledge. I have asked for support on the reporting but I have not received it.
caller asked wife for XXXX XXXX, she asked if they had his address, man said yes that he mailed something and this is why he was calling. She told him to not call, he said he would call back and hung up on her. he called right back, she did not answer and he did not leave a message. While filling this out he called again, did not leave a message. That is 3 calls in 5 minutes.
on XXXX XXXX weekend i was affected by the RUSHCARD fiasco.I didnt recieve my direct deposit as i normally do and when i did i wasnt able to access my online account due to being locked out. I am not able to check my balances due to the text alerts not working. the problem was said to be fixed however here it is time for pay again and i have not recieved anything. I have attempted to reach out to RUSH Card at XXXX and i continue to get hung up on. I would just like to be able to access my money so that i can move my services elsewhere.
I had an account with XXXX  XXXX XXXX and they are reporting to EWS in accurate information account activity that is closed. which is still on the report and needs to be removed.
I have an outstanding loan with Fast Bucks in XXXX XXXX, ID. I was a repeat customer and paid off my loan numberous times. 
Due to health problems I had to quit my job. I had a few payday loans out and was in a bad spot. 
All the lendors except Fast Bucks have graciously worked with me and surprisingly didnt charge outstanding interest. 
Fast Bucks on the other hand has been horrible. My initial loan was for {$500.00}, now I owe them {$900.00} something. I called the office multiple times to arrange a payment plan. 
The furthest I got was they promised me a call back from managment, that I still havent had months later. 
They will not work with me. I know i owe them a debt and they will not work with me. They have told me the only way I can pay the loan is in fill or cash payments of at least {$140.00} in person. 
This is ridiculous. Every other collector and payday loan company jas worked with me. I have been contacting and working out my debts with all parties except this company. 
They are a preditory lendor that will not work with you no matter how long you have done business with them, and wo n't take money from you if it 's not enough to them. At this point I could have mad at least {$200.00} in payments, but they will not have it.
I noticed i had XXXX bills on my credit file that i have no contract with never applied for no service with them have no knowledge of these accts. XXXX is for {$350.00} and another for {$55.00} I told them that they have violated my rights by putting these derogatory items on my Credit did not give them my consent and this fraudulent information was put on without contacting me before placing these items on my reports.
A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been " verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a " contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it ) or any other legal proof that I ever authorized or had any part of it. 

This is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX XXXX immediately, as you AND this illegitimate company are in violation of federal law.
For the approximately the past six months, I have been unable to obtain my free annual credit report from Equifax. I go through all the prompted steps for receiving the report and authenticating my identity ; however, each time I make the attempt Equifax responds with the following message : " Online Delivery Unavailable. We are unable to deliver your free Equifax Annual Credit Report online. '' From there it provides a way to make the request by mail. In order to request the report by mail, they want me to send them a copy of my social security card or a document containing my social security number, along with my drivers license or another document authenticating my mailing address. 

I have been able to obtain my credit report from both XXXX and XXXX online with no problems, utilizing the same authenticating information. A simple XXXX search has shown that this is a common and repeated problem with Equifax. Unfortunately, there are many negative items showing on my Equifax credit report which I can not effectively clear through the dispute process because they will not provide me a copy of my credit report. Based on a recent pull of my credit by an organization, they identified multiple negative items on Equifax which were not presented on either XXXX or XXXX. This is creating significant hardships and I chose to address the issue with the CFPB due to the large numbers of people online indicating that Equifax is doing the same thing to them.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that  the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
I am reporting that a collection Agency named XXXX is fraudulent reporting an account I never had in the time frame they specified on the bill dating back to XX/XX/XXXX. I have repeatedly asked XXXX and TransUnion through disputes for proper validation of this debt since XX/XX/XXXX and I have continuously explained that this account isn't mine. In XX/XX/XXXX, I was with the carrier XXXX at the time and had been for some years. XXXX sending me a bill is not proper validation. Plus the name addressed on the bill is not even my identity.I initialized a dispute with TransUnion on XX/XX/XXXX and they responded back today, on XX/XX/XXXX as " validated ''.