WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased my house XXXX XXXX, 2007 from  Washington Mutual BankXXXX XXXX and I was foreclosed on BY JPMORGAN CHASE BANK. I defaulted on my payment. JPMCB modified my loan a couple of times, but due to a string of major injuries, I defaulted on them also. I again summited doc to prevent my home from going into foreclosure, but after 5 -7 submittals, I was denied. The following day I received a letter of default without any notice. I researched on the procedures on foreclosure and have strong evidence JPMorgan illegally ( Fraud ) foreclosed on me. First, they did not contact me 30 days prior to starting starting the foreclose process. 2. They didnt file and record assignments properly. 3. Washington Mutual Bank is holder of the Title, Not JPMorgan Chase Bank. Chase has no right to foreclose my house. In addition, there is a settlement agreement in place. I Requested documents from JPMCB for my account log for the loan. It clearly shows {$440000.00} was credited to my loan account three days after I signed my promissory note. Basically, funded my loan. I researched and know enough how the banking and court system works. To protect myself, I filed a UCC Financing Statement with the county recorder of XXXX CALIFORNIA and with Secretary of the State of CALIFORNIA. The acting trustee ignored the lien and still went ahead sold my house in a trustee sale. The trustee knowingly sold my property with a clouded title. Now the person that bought my property way below market value then turned around and put it up for sale XXXX when I did all the work with my energy. But now he cant sale the property, I hold the deed of trust. Now my family split up because we cant find a place to live that can accommodate all of us, a family of XXXX. I would like to resolve this quiet and easy without dragging it in to court. We have suffered enough.
I currently paid XXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX XXXX on XX/XX/2018 Experian & XXXX on XX/XX/2018 XXXX XXXX XXXX Experian on XX/XX/2018 XXXX XXXX XXXX XXXX  on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXX Law all three credit bureaus told me that none of these items were being disputed by XXXX Law and that have not received anything from XXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.
Behind on my Sear 's account through Citi Credit Card, that is when the constant calls started, four to six times a day, every day over and over. It is not productive nor is there any good that comes out of constant calling .Calls continue even when you make payments or have made arrangements. 
Last night they called at XXXX, twice at XXXX, XXXX and XXXX, not including the daytime calls. 
I was told if you did not pick up their calls and speak to someone they will continue to call but if I pick up their call then they would not call for three days. I asked why three days, their response was that my financial status could change. I explained to them that there is no way my financial situation will change in three days or anytime soon, I get paid every two weeks not every three days so calling me that often is not productive and it was very irritating and frustrating. 
Phone calls are every day up to six calls a day if not more.
Trans Union keeps reporting a late payment on my credit report. I dispute it and it goes away. Then it reappears on my credit checks. I believe Trans Union is intentionally doing this in order to skirt the law and have me pay for another credit report after the one free one allowed per 12 months by law.. Trans Union also reports a " hard hit '' on my credit report whenever they " fix '' my complaint making it appear as I am applying for credit from another company.
I thought this was a useful credit card, but I was inexperienced. I was seeking to repay this collection. However, I was seeing that you as a goodwill to just remove it. 

Balance {$940.00} Capital One Platinum Card
On XX/XX/2018, I made a call to GC Services and made a {$990.00} payment for my father 's account ( XXXX # XXXX ). The representative took my payment and said there may be a small sum left over. A week or so ago I am called back by XXXX XXXX asking if I could cover the remaining of the balance. I informed her that I was not the account holder, and that this was my cell phone number ; never provided or gave them authorization to call. She asked if I had another number so I could reach my parents. I provided it, and ended the call. The next day she called informing me that she was trying to collect the payment. Again, I informed her this wasn't my account and that she needed to call the number I provided. Mrs. XXXX advised that there was a note to not call the number I provided, and asked if I could get a message over to my parents to have them call.
I had recently spoke with a representative from a lending institution about a refinancing loan for my home. He had gathered information about myself and the property in question. I am looking to shop competitor rates and fees as well so I told him I would not like my credit to be pulled at this time. He then stated that he would not be able to give me an estimate unless my credit rating was pulled. I then said I would call him back, I then called a family member who owns a mortgage company and has been in the business for 30 years. She had informed me about the new law called " XXXX '' instituted on XXXX XXXX, 2016, stating that when you provide the XXXX pieces of information, name, social, property address, loan amount, income and an estimated appraisal value that the lender is required to provide you with an estimate of rates and fees by law within 3 days. I then called him back stating this because I gave him all the pieces of information except my social security number the first time we spoke because he said he would use it to pull my credit report to be able to provide me with an estimate of rates and fees. I did not want my credit pulled at that time and that is when I called my family member and she explains the laws. He then insisted on saying that is why he needed my social is to pull my credit so he can give me a loan estimate. As explained to me by my family member in the mortgage business, he can not pull my credit without my approval and could be in serious trouble if he did, I just wanted to shop rates and fees like I am able to do, he then became very short with me saying he would get fired if he were to guess at loan rates for me, so he just said some where between 3 % and 6 % and said he would delete my information, and that was the end of the call.
i demanded that the following accounts be removed from my credit report : Debt recovery solutions account # XXXX, debt recovery solutions account # XXXX
Experian continues to report delinquent payment history for an account settled with   XXXX   XXXX   despite prior attempts by me to correct this error through the FCRA dispute process. This account was settled in  XXXX  2016 with payments made through and including   XXXX    2016. I disputed ( see attached ) this with all  XXXX  of the major credit reporting agencies as well as   XXXX   XXXX   on   XXXX   XXXX    and  XXXX  and  XXXX  corrected the error, but Experian did not.
This complaint is in regards to debt collection efforts being made by a collection agency called Accounts Control Technology.This company without notice began garnishing 25 % of my substitute teacher pay every period since XXXX XXXX. My income as a substitute teacher does not meet U.S. poverty standards my pay is only {$80.00} a day. The company states they are part of the Department of Education. To explain further Accounts Control Technology garnished my check without notice. In addition they only notified my employer about the garnishment. When I contacted them by telephone they were very rude and hung up on me. Not being allowed to dispute the debt prior to garnishment has caused a tremendous amount of emotional distress. It is my understanding that my employer was told not to give me any written information about this matter in spite of my calling and providing written notification requesting a copy of the notification sent by Accounts Control Technology. Most important Accounts Control Technology grossly and falsely overstates the amount of the debt that is allegedly in default. Finally I am experiencing sever financial hardships and am suffering from the impact of the actions of this company. 

In closing I really need help in approaching these people because they wo n't budge and it does n't seem to matter what problems it causes me or that I may have to resign from doing my lifes work because of this. 

Best Regards, XXXX XXXX
XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the De partment of Economic Security an d was advised that I am current in my child support obligation. I hav e 50/50  custody of our children and am being penalized as a responsible Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.
On the XXXX the of XXXX I checked my credit report after receiving an alert that a new collection accounts had been added. The account has been removed several times and this company keeps placing this on my credit. The debt is not owed and negatively affecting my credit score.
My entire wallet was stolen in XXXX 2015 and many of my credit cards were used. One of them was my child support credit card, XXXX, which they used {$550.00}. I have sent all the requested information, police report and they are saying the status is " fair hearing '' which means they can take as long as they want to resolve matter. I provided the company with all the requested information and there is no reason they should be holding my monies.
My loans transferred to Navient in XX/XX/2015 for some reason they disappeared and came off my credit report completely for an entire year I called to check on them no one knew where my loans were they wrecked up {$5000.00} in interest even though they were no longer on my credit report and XXXX and had no idea where my loans were. I continue to call over and over I asked to talk to supervisors with no response back Ive asked for a list of my bills and where my loan has been they always there for me to another department or student loan services
1. XX/XX/XXXX, I received a check in the mail from Wells Fargo for {$500.00} with a form letter stating that I had been charged " too early '' and they were now refunding me {$500.00}. 

2. I wrote and asked them for more information on the charge of {$500.00} - the date, what it was for, and whether or not they had applied interest in calculating the {$500.00}. 

3. I received an answer dated XX/XX/XXXX ( which I will try to attach ) stating that the charge dated from XX/XX/XXXX ( almost 5 years prior ), and was for a rate-lock fee on a mortgage ( which I was later denied -- I was trying to re-finance an existing mortgage at that time on a rental property I own ). The letter also states that Wells had not applied any interest, and was just returning me the original charge made of {$500.00}. 

4. Since wells incorrectly charged me {$500.00} five years ago, I believe I should be entitled to interest over those five years. Can CFPB help in this regard? I did call Wells to ask and they just responded that no interest had been applied.
Bank of American can not provide assist me with my second mortgage that was charged off during the foreclosure in XX/XX/XXXX. I fought five year to keep my home in which the foreclosure was rescinded and I received a modification. First payment of the modification was XX/XX/XXXX. I tried to refinance last year due to the fact that my interest rate stayed the same ; 6.375 %. I was not going through BofA for the refinance. I was asked for the clear title for the second mortgage ; however, BofA can not provide me anything nor provide any assistance to how to get through this hurdle regarding the charge off. When I contacted BofA I was told that I could not refinance until four years of having the modification. However, I was told at BofA when I got my mod documents notarized I could refinance any time. The charge-off is to be removed from my credit report XX/XX/XXXX ( I have not check ) ; however, it still remains that I ca n't get any help on the charge-off of the second mortgage. I will be XXXX this XXXX and the high mortgage is creating a financial hardship. I could get some relief with a lower payment by refinancing and a lower interest rate. I fought to keep my house and those non-payments were added at the end of the modification, which I understand. I just want the charge-off cleared up so I can refinance. I really need some assistance in this matter. I wish I had known of CFPB when I was fighting to keep my home from XX/XX/XXXX - XX/XX/XXXX.
Illegal interest rates charged in Louisiana by XXXX/Call Call/XXXX. Also these companies may not be licensed consumer lenders in Louisiana. I have paid back over 3 times the amount I borrowed. This situation has caused a strain on my marriage. My interest rate was at or above 139 %. Louisiana interest rate cap on personal consumer or revolving loans is 12 %. I am using this complaint as a cease and desist letter. I borrowed {$5000.00}. and paid back {$16000.00} as on XX/XX/2015. Does that seem fair!! I know you are helping other states so please help Louisiana residents too.
I have had a coinbase account since XX/XX/XXXX till current. I have used their exchange XXXX  same time. On XX/XX/XXXX, I was surprised coinbase disabled my account " buy '' feature and that also meant I can NOT log in my XXXX  account. I have my funds ( Cash {$23000.00} and Coins worth {$25000.00} ) in XXXX. 

I called and emailed coinbase and XXXX 15 times so far over the past 18 days. I am only told my account is under specialist review and they are busy, the specialist will try to review your account but no time frame when it may happen. 

In my calls and emails I specifically request coinbase/XXXX  to release my funds since they have no right to freeze it and they responded with same point that the specialist will review account. 

I have used coinbase since XX/XX/XXXX and I have submitted all documents to verify my ID and income sources, including my bank and credit card information. I submitted my driver license, my USA passport and every required information coinbase requested. 

I have found many customers on social media are experiencing same issue withcoinbase, freezing accounts and no access to funds. I believe this is not a legal action for coinbase to do and they should be reviewed by state and federal authorities.
I put in an offer on a house which was accepted on XXXX/XXXX/2013. I had already been pre-approved by Military Family Home Loans ( co-owned by XXXX and Wells Fargo ) who was the originator of my loan. I had to constantly re-submit requested documentation due to dealing with " XXXX underwriters ''. Additionally, I was never presented with the closing paperwork prior to actually closing on my house. The closing date was set for XXXX/XXXX/2013, and as of XXXX the night before we still had not received the closing paperwork or final amount needed for the down payment. On the day of closing, the paperwork was finally received shortly before closing at XXXX, and I come to find that my monthly payment was increased to {$1700.00} a month, approximately 11 % more than the original {$1600.00} I was quoted in the Uniform Residential Loan Application/HUD. Upon calling my loan officer, I was informed that the underwriter made a mistake regarding property taxes, and there was nothing she could do. Therefore I had no choice but to close at that time, or risk losing the house.
I have credit monitoring service with Experian. The member # is XXXX. I have no lates since my Chapter XXXX filing XX/XX/XXXX. All lates according to Experian 's XXXX XXXX show pre filing. The monitoring service on XX/XX/XXXX modified the time since negative from XXXX years to .1 years. this caused my score to drop XXXX points from XXXX to XXXX. Saturday XX/XX/XXXX XXXX. This is negatively affecting my credit worthiness and is in violation of FCRA. THe time since negative used in their scoring model of .1 years is wrong as is the 6 lates that is related to 1 account and is almost XXXX years old and they refuse to correct the only 1 account late. THey feed the creditors time late 6 in last 2 years which is also incorrect. This is negatively affecting me and Experian refuses to correct these errors with the scoring and monitoring service.
On XXXX XXXX, XXXX my credit bureau was hit XXXX points because of Medical Revenue Services reporting {$XXXX} that I do NOT owe and also reporting an account 2 times for the same amount {$XXXX}. My credit score would be XXXX if not for their deceptive and non consistent reporting. I have disputed the {$XXXX}  numerous times with no help or action taken for the duplicate reporting. I want all records from them deleted from my credit file because they are very inconsistent and inaccurate in there reporting. I 'm sure I 'm not the only one that they 've wrecked opportunities.
XX/XX/XXXX - charge from XXXX Issue billed to my credit card. About XX/XX/XXXX I paid credit card in full. 
XX/XX/XXXX - I noticed charge from XXXX Issue and called USAA to inquire because credit card balance should be {$0.00}. USAA agent reviewed and informed me that charge is recording and credit will be issued to reverse the charges XX/XX/XXXX - Security adjustment issued to reverse first charge XX/XX/XXXX - Security adjustment issued to reverse second charge credit card closed sometime around XX/XX/XXXX new card issued XX/XX/XXXX - USAA undo one of the security adjustment and transferred the charge to new credit card. USAA agent explained that the first agent made an error and I was not entitled to two security adjustments. When I asked for copies of my statements to review the charges I was told I had to pay for it and each will cost around {$15.00} or there about. So I was issued only one credit though there were two charges ( XX/XX/XXXX and XX/XX/XXXX ) XXXX/XXXX/XXXX - charge from XXXX Issue appeared again ( all charges from XXXX Issue were for the exact amount ) XX/XX/XXXX - Security adjustment issued and new credit card issued XX/XX/XXXX - USAA reversed the security adjustment and transferred the charge to the new credit card. 
It is now XX/XX/XXXX and I have been trying to resolve this issue with USAA to no avail. I received notices that I need to pay the charges to include interest, to protect my credit. I called USAA numerous times in an effort to get a solution. I last spoke to an USAA agent - XXXX ( XXXX # XXXX ) who promised to have the matter clear up in 3 business days, before that I spoke to USAA agent XXXX on XX/XX/XXXX @ XXXX and was promised that the matter would be cleared. Before XXXX and XXXX, USAA agents have cut-off phone call, promised to clear the issued, explained that I was incorrect, promised to investigate and get back to me, transferred my calls to fraud section, supervisor, senior analysis and in 10 months that I have been trying to get a solution still nothing but notices in the mail that amounts to harassments. Notices that tell me that additional transactions will be declined, rewards points will not be honored and that late fees will be charged. 
Please assist.
Diversified has called my personal phone, sent letter to my home and now they sent emails to my address with personal info with out my consent nor even knowing if that email was indeed mine- saying they purchased this debt in which i never applied for a pay day loan w/ XXXX XXXX XXXX
Nationstar Mortgage breached our contract by ( 1 ) making tax payments when no escrow account existed, and ( 2 ) increased the monthly payment when the contract states this can not occur. ( see HUD-1 page XXXX ) Nationstar declined my request to remove the escrow account they applied after more than a year of no escrow ( see XXXX XXXX letter in attached Payment Docs ). 

Nationstar claims I owe them {$6900.00} for a tax payment in XXXX. Their employee XXXX XXXX confirmed my payment was received first and that Nationstar will receive a payment refund for being second payment made. ( see cashed checked in Payment Docs ) Nationstar has not accounted for a {$15000.00} Escrow payment made at closing ( see page XXXX of HUD-1 ). 

Nationstar did make the XXXX Tax Payment of {$6900.00} before me. My check was returned by the state ( see Payment Docs ). This means Nationstar still holds {$8400.00} of my escrow funds ( {$15000.00} - {$6900.00} ). 

Nationstar demonstrates gross accounting negligence with inconsistent monthly payments. Payments XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX {$62000.00} Yes, they billed me $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXThe attached resolution letter was provided by Nationstar to my initial compliant to the CFPB. They closed the dispute as resolved. 

I continue to make the contracted payment of {$1500.00} on-time each month. Nationstar claims I am over 49 days past due and have submitted my name to debt collections. 

In summary, I am seeking a return to no escrow and a {$1500.00} monthly payment as agreed upon in the contract.
Today I received a phone call from a ( XXXX ) XXXX and it was a recorded message stating that they were calling to attempt to collect on a debt. I listened to the prompt and held on the line to speak to a representative. The gentleman asked for my name and account number. I advised him of my name and stated that I was not aware of the debt and do not have an account number. She states the last XXXX digits of my cell phone number and asks if I am aware of this account. I say that is the last XXXX digits of my cell of and he hangs up on me. So I call back and speak to another person and he states that the call was in regards to a debt with US Bank. I tell him that I have settled this debt with another collector as of XXXX/XXXX/2015 and have documentation to prove it. He states to call him back and his name is XXXX XXXX at ( XXXX ) XXXX ext XXXX. So the number and ask to be forwarded to him but I placed on hold for a very long time and do this twice. I called again and spoke to a lady and stated that I have the documentation to show that it has been paid. She expresses that once I served I can take that paperwork to the judge to have them dismiss it. 

I have never received any letters or previous notices from this company or the " law firm '' they claim to represent. So I called US Bank to see if they could be any assistance and they stated no because they sold the debt to another agency and to speak to the agency that I paid. At that point tried to call XXXX XXXX at ( XXXX ) XXXX. That number is disconnected and the website is no longer active. This is a XXXX time that I have been contacted by a agency or law firm regarding this debt. The last time was on XXXX/XXXX/2015 by XXXX ( XXXX XXXX XXXX ).