WillisBack/dataset-financial-user-claim huggingface dataset:
Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
I cosigned on a vehicle for my son. Originally the dealer put the loan in my name with my son as to co-buyer. After I discovered this I had the dealer redo the loan and put my son as the buyer and myself as the co-buyer. 
The dealership did not file the corrected loan paperwork with Toyota Finance.
I am submitting this complaint for my elderly mother, who had medical transport from XXXX ( XXXX XXXX XXXX ) twice, from the hospital to a XXXX, with charges of {$910.00} and {$850.00}. Both of these were paid, but XXXX sent another bill for both. She ignored the double bill ; we assumed that they were still processing the payments. ( I have POA ). 

Then XXXX turned this debt that she did not owe over to Credence, a collection agency based in XXXX. The employee called multiple times a day, including before XXXX. This left my mother in tears. The employee used multiple phone numbers, including one with our area code, and several names ( I could tell that it was the same person ). 

When we tried to call XXXX, they said that they had no record of payment. We have heard nothing from them since I mailed photocopies of the cancelled checks. My mother had been so upset and confused that she sent a {$100.00} check to Credence Resource Management for a debt she did not owe. She was so upset and worried after the repeated harassing phone calls that she sent another check to Credence, which I asked the bank to stop payment on. 

At best XXXX was careless and incompetent, but they may have been trying to commit fraud by deliberately double billing. If we did n't have the cancelled checks, there would have been no recourse and my mother would have been cheated out of {$1700.00}. 

The debt collection practices of Credence are illegal and abusive ( and I 've noted that there are many complaints about this collection agency both for abusive practices and for attempting to collect debts not owed ). They claim to have an address in XXXX but are actually based in XXXX. 

An employee of theirs called several times a day, as early as XXXX and as late as XXXX, in violation of Federal regulations, used multiple names and phone numbers, and threatened legal action. 

Now we are concerned that XXXX and Credence ruined her credit rating, which was excellent before this. It has been three weeks since we mailed them photocopies of the cancelled checks and still have not received any response.
I currently have a mortgage with Flag star bank, my XX/XX/XXXX payment was late reaching flag-star on XXXX/XXXX/15. I 've had this loan for over a year now and it 's the first time my payment was late due to personal issue. I 'm currently current with all other payments, just received notice that my loan is going to be service by XXXX as of XX/XX/XXXX. I have no interest for my loan being transferred over to this company, who can I address this issue with. I just looked up this company and nothing but horror stories have been posted. How can I avoid my loan from being transferred..
EDUCATIONAL CREDIT MANAGEMENT CORP calls my cell phone and home phone multiple times a day. They call from multiple phone numbers. The last time I spoke with them, I provided my home address and told them I only wish to communicate by letter. 

This defaulted student loan debt is already in involuntary repayment through tax offset. 

I know that repayment options negotiated at this point will not stop the tax offset I want to stop the phone calls.
We were scammed by a company called XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. They offered to help us avoid foreclosure for a {$200.00} start-up fee plus a {$1400.00} overall fee for their services. Although we paid all fees they asked of us, we later realized they did nothing to help us catch up or get our mortgage amount reduced. After awhile, they would not answer their phone. Later in XX/XX/XXXX, XXXX XXXX XXXX bought our mortgage. Initially, they stated our mortgage balance was {$190000.00}. Because of XXXX XXXX 's non-help, we asked Green Tree for help so we could get current with our mortgage. Green Tree refused to help, sent threatening letters, did not communicate with all representatives within their company, made harassing phone calls to us, and insisted we pay a larger than usual amount for our mortgage payment. We paid mortgage amounts of {$2200.00} because of one rep., {$1700.00} because of what another rep. stated we needed to do, and other amounts because Green Tree could not give us consistent amounts we needed to pay. Overall, we paid {$50000.00} to Green Tree and yet, they still listed our balance as {$240000.00} as if we paid nothing at all the whole time they held our mortgage.
Ocwen Loan violated my right to privacy. Despite giving them instructions not to discuss my account with anyone when I was late in paying in XX/XX/2018 they sent a delinquent notice of default to my tenants. My tenant caslled asking if I was going through financial difficulties. It was embrassing and a violation. My older son is going through a medical situation I am him with financially.
An address appeared on all 3 of my credit reports ( XXXX, Equifax, XXXX ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.
XXXX, XXXX, TRANSUNION are showing late payments where none existed. Documents attached include ; 1 ) XXXX CUSTOMER STATEMENTS, SHOWING ZERO LATE CHARGES AFTER XX/XX/XXXX AND SOONER WHEN ... .... . 2 ) XXXX REFUNDED 100 % OF LATE CHARGES AS SHOWN ON THIS XXXX STATEMENT ON XX/XX/XXXX ... .. AS SETTLEMENT OF 100 % OF LATE CHARGES AND ALSO PRIOR TO XXXX ... .AS ... SETTLEMENT OF A LONG RUNNING DIPUTE, 3 ) A LETTER FROM XXXX CONFIRMING WAIVER OF ALL LATE FEES ON THE XXXX 4 ) Not clear they have not confused account numbers, the enclose statement from XXXX HAS CORRECT AC #
My home mortgage loan was recently sold to a company called Loancare out of XXXX, Virginia. The first thing they did when they acquired my loan was to increase the amount being held in escrow from the contracted XXXX of the total charges to an amount that is equivalent to XXXX of the total charges. Over the last month, I have repeatedly tried to get them to correct it via phone and e-mail, but they continue to ignore my requests. My total estimated escrow payments for the year 2016 are {$9300.00}. They want to hold {$3100.00} in escrow which is exactly XXXX. The original amount without the increase would have been {$2200.00} which is still over the contracted amount even without the increase.
I sent the the attorneys, Sessoms & Rogers, PA, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.
RE : Hard Inquiry/Unverified on my behave. 
I recently checked my credit reports with XXXX, XXXX, Transunion. 
I have a Hard Inquiry from company : XXXX Hard Inquiry done on : XX/XX/2017 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX  Dispute center and to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX have not yet received any return correspondence, at All.From neither companies.
I opened a secure account with Bank America XX/XX/XXXXpartial account from my credit report # XXXXaddress id XXXXthe amount was XXXX the account was last use in XX/XX/XXXXI was XXXX the security was deducted however theysent this account to collection which as been terminated becauseI did owe on this account they have been reporting this as a charge off!!! 
it has been removed from my XXXX report but its still onmy XXXX and XXXX ACCOUNT! 
Bank America did agree to remove these accounts from the trade linebut it has yet to do so with these XXXX credit reporting agencies!! 
Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XXXX, court records show, the bank will remove any marks on consumers ' credit reports.
There was a non authorized transaction on my credit card ( that had a XXXX balance ). The company, First National Bank of Omaha, allowed for the transaction to take place. While I disputed the charge, the company proceeded to charge me " late fees '' in excess of {$100.00}. I now have a negative outstanding item on my credit report with XXXX. I ask that this be corrected immediately. My consumer rights were violated by multiple institutions and I ask for CFPB 's assistance in making me whole. I ask that the item at XXXX be removed from my credit report immediately.
I was XXXX for half the month and there was a hole in my wallet come find out later and I know that y atm debit was in there too not even thinking but not memorizing it as it was a newer pin. I believe I lost it somewhere around the home possibly taking y dog for a walk. I used to carry a check book in my bank account and that most likely could of fell anywereas I do find it everywhere. I have not been able to drive a truck in a month because it is broken and I dont have the money to fix it. this banking manager said three days it would be on my account. I WANT MY MONEY I DESERVE FROM GETTING INJURED IN THE MILITARY
After researching the reputation of Mr Cooper, I can see I 'm not the only one who they can not seem to 'service ' properly. They were happy to buy my mortgage from a big bank and _claim_ they 've paid the homeowner 's insurance as required by the mortgage but, like so many others, the check just does n't seem to get there. And without homeowner 's insurance they want to modify the terms of the mortgage? This is a predatory lending practice ... they should not benefit from failing to adhere to the terms of the mortgage ... I PAID into the escrow all year ; they are REQUIRED to pay those monies on behalf of both of us to protect BOTH party 's interests. Clearly there is a pattern and rudimentary research on consumer complaint boards and XXXX show there are internal problems with this company 's desire to do the right thing by consumers who have no choice but to do business with them. 
This mortgage company should be MADE to make it right with all consumers by providing proof of payment ( just like I would have to do showing a franked/processed check & the account it went through ) or they should have to pay penalties and make it right with the insurance companies who are cancelling policies because premium checks do n't arrive or bounce. What can a consumer do? I did n't choose this mortgage company. I am no longer in a position to modify or refi with another lender as I was when I took out the loan decades ago ... I just want to continue to pay as I always have, pay off the note, and keep my home for my children 's sake. Clearly this is all just a money game to them while consumers lives are toyed with while they work hard to keep their homes.
ocwen is attempting to foreclosure on my home with an assignment that clearly fraudulent. the assignment was created showing ocwen as the lender. the company that i originated the loan with is out of business and XXXX conveyed. i dispute the validity of this debt with ocwen. i sent a qwr and they have not responded to. the assignment to gmac is also fraudulent. XXXX XXXX, Va XXXX are well known robo signers both are the assignments filed in XXXX CO are fraudulent.
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The Chexsystem. It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
On XX/XX/XXXX I applied for a home mortgage and was denied on the grounds of a Foreclosure showing from XX/XX/XXXX.  Herein lies the problem, XXXX XXXX XXXX reported the Foreclosure on the above listed date.

First, this foreclosure does not show on my Consumer Credit Report so I was unaware of the foreclosure until I attempted to obtain this new Mortgage.

On XX/XX/XXXX, myself and my ex-spouse signed a Deed in Lieu of Foreclosure.  
On XX/XX/XXXX I received a IRS Form XXXX showing Cancellation of Debt.
On XX/XX/XXXX a Satisfaction of Mortgage was recorded.
On XX/XX/XXXX the aforementioned Foreclosure was recorded by XXXX XXXX XXXX, a company I had never heard of or was ever advised had any interest in any mortgage.

Ultimately as a result of this Foreclosure that, as stated before, I had no knowledge of, I have been denied a new Mortgage.  This filing, that does not show on my Credit Report is the sole reason for the Mortgage Denial.

My question is, If I was given an acknowledgment of Cancellation of Debt in XX/XX/XXXX, how can a Foreclosure be recorded in XX/XX/XXXX by a Servicer I've never heard of, without me being notified of the action.
Synchrony / Walmart Credit card stated that they would remove all fraudulent hard inquiries from my credit report back on XX/XX/XXXX. The Hard done on XX/XX/XXXX still reflects on my XXXX  report.
Back in XXXX or XXXX I bought a phone plan for one year but the salesman contracted me for two years and I refused to sign the contract. I contacted XXXX about the issue, was told by them they ca n't make changes, all adjustments must be made at place of purchase. When I returned to the store it was under new management ( a ploy to avoid me ), I returned the phone by mail within the specified return dates then two years after the harassment began from several debt collectors.Convergent Outsourcing Inc. is very consistent with their threats and phone calls.
I spoke with a handful of different representatives today ( XX/XX/18 ) at XXXX for over 30 minutes. They all passed me on to the next until I demanded to speak with a manager. I asked the women to consolidate my 7 separate loans and she said that was impossible because they have different disbursement dates, and to Navient it only shows up as one loan for me. However if I miss a payment, my credit score reflects it as seven late  payments. Therefore making it harder to bring up my credit score and  refinance my loan with another company. Basically they told me they couldn't help me lower my payment unless they spoke with my co-signer which when she tried to call they said they wouldn't help her because it was my account.
We purchased a townhouse in XX/XX/XXXX. I could not pay down-payment 20 % to avoid PMI but paid 15 %. After the purchase, we renovated Kitchen and bath and asked the mortgage company Chase to remove PMI by re-appraising the townhouse. They said we need to have 80 % or less of LTV or at least {$310000.00} for the appraisal. I submitted the request form, and later, one appraiser came home and evaluated it as {$320000.00} ; however, Chase did not cancel the PMI with a reason they did not give us, which was it requires LTV 75 %. All of sudden, they changed the requirement. Based on another mortgage professional, he told me Chase may violate the Homeonwer 's protection act. This is the reason I submit this.
According to a number of recent articles released today, such as XXXX Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.
LexisNexis as of XX/XX/XXXX states that they verified Judgment & liens and the amounts are accurate. the documents I have from the State Lien are not correct nor is the amounts correct as showed on file. Lexis Nexis also does not report accurate information and I disputed the amounts 2 years ago and those was put into dispute and as of XXXX County has incorrect information showing and I hired an attorney to pursue the issue to the matter. 
The information that is on record is wrong. Lexis Nexis has and can not provide my information by law with my full social security number my full date of birth and full address as well as my full names attach with all this on public file. There was a law passed in XX/XX/XXXX that clearly states if all the full information is not on file for Liens, Lexis Nexis needs to Delete/Remove all information pertaining to Liens & judgements on file. Lexis Nexis also needs to provide full information on file with full social security date of birth etc in full not partial information to be valid or legal
On XXXX XXXX Equifax received a certified letter from me disputing the inaccuracy of a bankruptcy on my credit report. Not only is the information incorrect but is unverifiable and I need this information permanently deleted from my report for it is damaging my credit. I even sent a letter from the court to them saying the court system does not report to the credit bureaus which is what is listed on my credit report. They had 30 days from the time of my dispute to respond and delete this account but they failed to do either. Which in turn, they broke the law according to the FCRA.
To Whom it may concern my name is XXXX XXXX I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my XXXX XXXX payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my XXXX payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones I asked XXXX XXXX the management why do they call me from their personal cellphone she said that is what they have to do. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly.I offered to come into the Insta Loan office and they keep putting me off they refused to give me my original copy of my contract and I told them on XXXX XXXX XXXX that I was going to be in on Monday, XXXX XXXX to pay them {$80.00}. They keep putting me off I said to them if they did n't want me to come in on Monday that I will be there Tuesday XXXX XXXX. The Management XXXX XXXX told me not to come until Wednesday or Thursday.Today is Wednesday XXXX XXXX, XXXX, I called Insta Loan to find out what time would be best to come into Insta Loan on Thursday XXXX XXXX, They moved the date to today and then again my pay was supposed to be {$80.00} dollars now they raised it to {$85.00}. This is awful this company lies.. I had to sign some papers and they could change my original contract.My Nerves bad due to this company hassling me. Insta Loan ,XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Thank You.
I purchased golf shoes on ebay for {$100.00}, and used PayPal to pay the seller for the item. PayPal placed my charge on their PayPal Credit without my authorization. I wanted to pay for the item immediately through PayPal with a bank account. When I discovered the error, I tried to reimburse PayPal via instant transfer. PayPal would not let me. I had NO option to pay on the unauthorized credit charge. The site told me there was no payment due, despite the fact that it showed the transaction and the debt. It is now 4 days since the transaction and I was finally able to pay off the charge. Today, with no debt due PayPal, I am trying to close my PayPal account. I can not. I manage to locate the CLOSE MY ACCOUNT link ( a task in and of itself ), yet when I click on it, I get a spinning wheel on a white page that says One Moment ... Eventually, I am returned to a Settings page without PayPal taking any action. I am unable to close my account. The company 's process is untenable and unethical.
They called about a person I do not know and a loan that does not belong to me. The representative refused to listen to me and to remove my contact information.