WillisBack/dataset-financial-user-claim huggingface dataset:
I received a phone call XX/XX/18 from XXXX XXXX XXXX  about a debt of a card that I am unaware of and is apparently from XXXX - The man said he was mailing me a packet and would be filing a civil law suit. I have an excellent credit score that I have worked very hard for, i do not have any outstanding debt or a card in collections. I am not sure of any XXXX account he is speaking of. I researched because all credit debt even when not paid goes away after 7 years on your credit report but also has a statue of limitations, which upon investigation is 3 years in NC. I don't know who these people are but it seems illegal to call and scare people telling them they are being sued for an account of something they're unaware of and believe to not be theirs. from 15 years ago. I went and pulled my credit report because I was scared by being told I was being sued and confirmed the accounts that I have and that I have all on time payments and excellent payment history and current. Not sure how to handle. I told the man I would report them to the XXXX XXXX XXXX but figured it would be better to go to consumer finance after investigating and after seeing multiple posts from other people about this and that this is some scam. I can't believe that I am taking time out of my day to deal with people who thrive on scaring people, but my credit and protection of my social security number is very important.
On XXXX/XXXX/2015 I submitted my mortgage payment to PHH mortgage electronically through the bank. The money, payment can be seen as received on my activity statement on PHH website, on my account although the money was put in a suspense account for some reason. I have called PHH mortgage and emailed twice to see why the money, has not been applied anywhere not to escrow nor principle. In addition, the balance in suspense account says XXXX balance. so If I click on my payment to see where it went it says suspense account. But then on the main page, listed nortgage owed etc. it says zero in suspense account. It is now XXXX XXXX and the money has not bee applied anywhwere and my tax bill came in which was due at the end of XXXX. Since the money is in suspense, there were insufficient funds in escrow and PHH has funds owed to my account because my payment was put in suspense. I am very unclear as to why their is such a delay in applying my payment which I made on XXXX/XXXX/2015 electronically has not been applied to anything, not principle or escrow as of today XXXX. I have called and the lady said it will take ten business days to fix this and I have sent XXXX emails. Every month I submit my mortgage payment the month prior to it being due almost consistently two weeks prior. why is the money not applied to principle and seems to be not accurately documented as where it is XXXX statement says XXXX balance in suspense and if you check to see where the payment went it indicates it all went into a suspense account.
XXXX/XXXX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Adjustment Bur XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Letter Please be advised this is my third written request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued will full and negligent noncompliance. 

Despite two written request, the unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the result of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' The law is very clear as to the civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 
Account Adjustment BUR # XXXX {$2800.00} Case number : XXXX Thank You XXXX
On Equifax I 'm showing XXXX hard hits to my credit rating. Why are inquiries that are over 2 years old still showing? XXXX XXXX has removed the XXXX oldest. 

Why is Equifax still showing a judgement that was satisfied a number of years ago still on their report, but, has been removed by XXXX XXXX?
Property is in foreclosure Case-No XXXX, Judgment sale date is set for XXXX/XXXX/2015. 
Via our lawyer we work on a Loan Modification. Application was submitted more than 37 days before the sale date. Servicer is SPS, Neither Bank nor Servicer stopped the sale before a MOTION FOR ENTRY OF ORDER CANCELLING AND RESCHEDULINGSALE SCHEDULED FOR XXXX XXXX, 2015 was filed by Plaintiff on XXXX XXXX, 2015. 
The Motion was denied by XXXX XXXX XXXX, 2015, we received this info on XXXX XXXX by mail. 
It appears to us that the neither the judge nor Servicer, Bank XXXX as Trustee nor aware of XXXX XXXX XXXX ( g ) or the whole XXXX.
During sometime around XX/XX/XXXX or XXXX XXXX 2016,  Wells Fargo closed a checking account that I had with and did not explained why they closed the account I also had a credit card with Wells Fargo. Once Wells Fargo closed the account, I had somewhere around $ XXXX- {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but Wells Fargo would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. Wells Fargo did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. Wells Fargo made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, Wells Fargo did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted Wells Fargo and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX
On XX/XX/XXXX I had made 2 payments to a receiver the first one for {$970.00} and the second one for {$110.00}. The second payment went through fine but the receiver said that the first one was listed as unauthorized and that they couldnt access the funds. I was then received an email from Paypal stating that I reported my payment as unauthorized and that I set up a dispute caseit even stated that I made a comment about it being a spoof claim. I did none of these things. And because a dispute case ID was created in error, I had no access to my funds. That payment was due the day that I sent it. I am already in financial trouble now, and I only have a few days left of my semi grace period that was so kindly extended. I called so many times, I talked to 14 people total was transferred a total of 9 times and was on hold for a total of 7 hours. Every single representative said that I needed to talk to someone else and every single time I was transferred not a single person picked up. And I was calling internationally so it cost me a fortune to wait for nothing. I emailed multiple times, and tried different departments. On XX/XX/XXXX my account activity said that my {$970.00} was transferred from bank and that the transfer was completed. It did not say where to and it said that it was transferred from my paypal balanceI did not have any money in my paypal balance. That money was supposed to be correctly refunded back to my debit card that I used, and the funds would have been accessible within the day. Instead, there was no communication, and I have no idea where my money it. It is not in my account, and my bank looked into it and said there isnt even any sign of a refund pending and they have even started a claim. I need that money immediately, I am now in financial trouble due to an error from Paypal and they are ignoring my concerns and not helping me. They can not hold my money like that for no reason and not communicate with me to tell me where it is and why I do not yet have it. I feel as though I am being scammed. I need that money returned asap. I have even contacted their executive office and no one will respond to me. It is illegal to hold someones for no reason and without communication. This is an emergency for me.
I XXXX XXXX and my husband XXXX request through the Consumer Financial Protection Bureau a motion for my mortgage servicing company Select Portfolio Servicing , Inc. to cease and desist all calls to our home or cell phones about missed mortgage payments. All correspondence must be in written form only from this point forward. We are currently facing several financial matters that has caused a hardship for us and our family and business. Accordingly, we will be requesting a mortgage forbearance while we design a game plan to work out all of our financial difficulties. SPS should submit our cease and desist request and abide by the rules, and assign a mortgage workout specialist to notify us on how to start the forbearance/modification process. Therefore, our request should cease any threats of a foreclosure process, as we will file for bankruptcy if necessary.
The credit reporting company Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
On XXXX I was told my new mortgage payment effective XXXX would be {$630.00} based on a loan balance of {$100000.00}. On XXXX I made a payment of {$22000.00} to reduce my loan balance to {$86000.00}. Despite this payment, Greentree claimed that my mortgage payment would still be {$630.00} despite the reduced loan balance. I have spoken to Greentree XXXX times only to be told " they would look into it '' but that I still had to pay {$630.00}. On XXXX XXXX they sent me a letter saying that " my account has been approved '' but that I have to continue making the {$630.00} payment until I hear from them. I have never missed nor made a late payment.
I been a victim of fraud / the XXXX breach, etc ... I recently disputed these items but as of today the problem still exists. I'm holding the credit reporting agencies accountable because they are the ones reporting frivolous information without providing or being provided with physical verification as promised by the FCRA. If not corrected this time I will be forced to start a law suit against all 3 agencies. Hopefully this could be resolved from here. The following accounts being disputed are ... ( # 1 ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), ( # 2 ) XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )
From XX/XX/2018 I have been disputeing two account with TranUnion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX  or any means of automated verification. yet TransUnion allowing XXXX XXXX  and XXXX XXXX XXXX XXXX to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX and place a Fraud Victim alert on all my credit report. yet they file to remove these account.
On XXXX of 2011, my mortgage loan was modified under the " Make Home affordable '' Government plan with XXXX and subsequently transferred to a servicer called SLS. 
Shortly after the transfer, SLS increased my mortgage payments from {$2000.00} to {$2200.00} without any notice. An increase of XXXX in which I believe is was an error for what I have been financially burdened. I am looking for restitution for those monies I have overpaid over the time of the loan. 
I am attaching a copy of my original modification documents in support of this claim.
Since XXXX2013 XXXX XXXX is not to be on my credit reports! All of the student loans went to XXXX XXXX XXXX and are closed and XXXX. I have been sending proof of this since XXXX2013 over and over and over at great expense. Nothing has changed except now it is like there is double the student loans. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX 's say " transferred to another office '' ( as if! XXXX is not their office, we know it is but technically it is not ). They also have " late payments '' AS IF! ALWAYS IN DEFERMENT UNTIL XXXX FINALLY GOT THEM AND XXXX, CLOSED. XXXX XXXX should not be on any of my credit reports. They are gone, forever. It makes it look like there are XXXX different student loans! All of the info XXXX XXXX puts on my credit reports is wrong, and has been wrong for years and years, but this is even worse since they are out of my life forever! None of the credit bureaus does a thing about it even after they have received the proof from XXXX XXXX XXXX at least XXXX. GET IT OFF! In addition, this XXXX co. has repeatedly put " opts out of offers '' NO I DID NOT, NOT EVER, I WOULD LIKE OFFERS. Since XXXX2013 have said get that off, they continue to put that on!
I was offered a promotion from Capital One bank to add a credit card to XXXX XXXX whereby I would receive a {$25.00} statement credit within 1-2 statement cycles. The dates of the promotion was XXXX. I added my capital one credit card ending in XXXX on XX/XX/XXXX. I received a confirmation email from Capital One on XX/XX/XXXX stating that they had successfully added my credit card ending in XXXX to XXXX XXXX. 

I waited 4 statement cycles and have not received the credit. I contacted customer service at Capital One on XX/XX/XXXX and spoke with a front end operator and a supervisor named XXXX ( Operator # XXXX ). He refused to honor the promotion, claiming he had no record of it, he was too lazy to bother looking it up online despite me giving him information on where to find it, and would not forward my request to the marketing department to research further. Also he would not provide me with an email address to forward a screen shot of the promotion and of my confirmation email. The supervisor was quite inept. 

The promotion in question can be viewed at the following weblink that is on Capital One Bank 's company website : https : //www.capitalone.comXXXX   Here is the info copied from the promo : " Timing The Offer begins on XX/XX/XXXX, at XXXX XXXX Eastern Time ( EST ) and ends XX/XX/XXXX at XXXX XXXX. ( EST ) ( the " Offer Period '' ). Offer is subject to cancellation at an any time ( including when the promotional funds are exhausted ). Our server is the official time-keeping device. 

The Reward The reward is a {$25.00} Capital One statement credit. Once earned, the statement credit will be automatically applied to the account associated with the Qualifying Card within one ( 1 ) to two ( 2 ) billing cycles. 

Note that statement credits lower account balance but do not count toward monthly minimum payment obligation. 

How to Earn the Reward During the Offer Period, Participants must enroll in XXXX XXXX using a Qualifying Card on a Qualified Device. ''
I am trying to get a loan modification from U.S. Bank. The property was originally my primary residence, but a job transfer forced me to move. I now have it rented for much less XXXX {$900.00} XXXX than the mortgage payment. The loan was originally a 5-year interest only ARM. After 5 years, it converted to a 25 year at 6.6 %. If this was a XXXXFHA, I would be able to get it modified at rates close to market rates. However, since it is owned by U.S. Bank XXXX portfolio loan ), I have to go through them. U.S. Bank has been a disaster to work with. I applied for a modification and was denied and no one can explain the reason to me. They calculated my XXXX at 16 % ( but that does n't include primary residence mortgage or another property that I have as an " accidental landlord '' due to job transfer ). No one there XXXX customer service, escalation, etc. ) can tell me how they came up with the DTI number used to deny my loan modification. It was been an awful customer experience, with no one at U.S. Bank able/empowered to make a decision or give me any information.
A family member of mine opened a XXXX credit card In my name and ran up the bill, now my credit score is poor because of it.
In XX/XX/XXXX, someone attempted to add themselves to one of my credit cards along with changing my address. XXXX XXXX emailed me and I closed the account. I then receive a letter from XXXX wanting information on a credit application. I contacted the institution in XX/XX/XXXX and closed the application process. They removed the account from my credit file. When I received my credit report because of these issues in XX/XX/XXXX, I noted an account with XXXX/XXXX which I never applied for on my credit report. I contacted them and was advise I would get a letter to reply to it. Never received. I disputed the account with the credit bureaus ; however, Experian will not remove the account after twice providing details to them. I put a credit freeze with Experian since most of the issues appear to be related to their credit reports. I have also filed a dispute with XXXX. They are in the process of investigating my dispute. I have never visited a XXXX nor would I get a gas card from them.
I have filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and  three ti mes an d may v ary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  3  or more times. The one claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed,  black ma rked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  XXXX  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of  -- -- -- -- -- -?  I also went as far as the AG 's office but they are compromised because they collect debt from the original institution which is a hospital.  Medical Debt  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
This is a follow up to the dispute against ref # XXXX under which Chase responds to a complete different loan than the one in question. 
My inquiry on loan # XXXX is under XXXX XXXX XXXX XXXX XXXX XXXX - in which I am one of the shareholders. Since the loan documents indicates that all outstanding mortgages were pledged as collateral to loan for $ XXXX issued in 1996 by XXXX XXXX XXXX Co who was later acquired by your institution, and being that I am a direct party involved in a collateral I was not informed about, I need your confirmation as to whether my mortgage was one of the loans pledged against the above loan.
I am contacting your agency because I have on several occasions tried to disputing a line of credit account with Experian I supposely open with XXXX XX/XX/2011. XXXX has produced no evidence such as signed loan documents showing my signature and verified I applied for line of credit. Experian refuses to investigate and keeps making following statement " We are responding to your request to verify item ( s ) on your personal credit report. We have already investigated this information and the credit grantor has verified its accuracy. ... Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not be investigating your dispute again at this time. '' This false reporting is damaging my credit. I would like for XXXX to contact Experian and remove this item immediately from my credit report
I contacted american express after my yearly fees were due. Not needing the card any more i contacted them stating i wanted to cancel and that when they waved the yearly dues and sent a updated bill i would pay in full. I eventually got a call from a debt collector stating that i owed the amount ( including fees that i asked be removed ) and was now in collections. i called amex and they expressed that they were unable to help since it was in the collectors hands now and the collectors stated that they could not confirm the issues with amex. I paid the amount including fees in full just to be done with them but now my credit score has taken a huge hit.
On XX/XX/XXXX a check was deposited for {$510.00}. This was an insurance check and none of the funds were made available prior to the release date of XX/XX/XXXX. In addition, the bank has limited ways to fund an account. After being told that no checks would be returned, nor would any overdraft fees be collected, they immediately returned a check for {$100.00} and did not make me immediately aware of any holds on the funds, but did so by mail, received XX/XX/XXXX. I believe that several of the regulations set forth in Regulations CC and Expedited Funds Availability Act when an insurance check.