WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to secure a home loan at   XXXX   XXXX   XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself.  One of  the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  MUFG Union Bank  has been highly uncoorperative. They have been contacted over 6 times since  X/X/17    when the report was run. I can not speak to anyone higher in the corporation than a  floor manager,  who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   XXXX    ,  two more time s with dates I did not document.On  X/XX/17    I spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On  X/XX/17    I spoke to   XXXX   who opened a case, took down my information and told me someone will call me.  Noone calle d. On  X/XX/17    I spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a  30, 60  day late charge and reported to  XXXX ,  XXXX ,   XXXX   lowering  my credit score. I was also informed that they are going to charge me a 90 day late  charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  Union Bank wi ll not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  XXXX   XXXX   XXXX .
Collections Show All Dispute Options A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed. ENHANCED RECOVERY COMPANY Dispute Item Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$400.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$400.00} Last Payment Date : Status Date : XXXX Status : D - Unpaid Comments : N/A Continue Dispute Summary XXXX XXXX XXXX for : XXXX XXXX As of Date : XX/XX/XXXX Personal Information Accounts Negative Information Inquiries Copyright ( C ) XX/XX/XXXX XXXX XXXX
MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.
On  XXXX / XXXX /   2017    XXXX    XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX / 2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.
This debt is disputedIt has also come to my attention that you are in violation of XXXX XXXX Code XXXX - Unfair practices ( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. It is to be noted that there are XXXX addresses on the XXXX letter received. 

XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. Phillips & Cohen Associates , Ltd . 
Mail Stop : XXXX XXXX XXXX XXXX XXXX, DE XXXX. Phillips & Cohen Associates , Ltd . 
XXXX XXXX XXXX XXXX, DE XXXXListing XXXX addresses on a letter and expecting an unsophisticated consumer to correctly deduce which address a response needs to be sent to causes unnecessary confusion. Does the consumer respond in writing with the cost of postage to XXXX of the addresses, XXXX out of XXXX of the addresses or all XXXX of the addresses? In addition, this practice causes unnecessary expense if the consumer is required to respond to all XXXX addresses. These additional costs can be rather high if the correspondence is XXXX. registered or certified, and if not XXXX. registered or certified it might be possible for this debt collector to claim never receiving a response. An internet search reveals that XXXX XXXX XXXX, XXXX serves as the President and Chief Operating Officer of Phillips & Cohen Associates, Ltd. with the same address as Phillips & Cohen Associates, Ltd., XXXX XXXX XXXX, XXXX, DE XXXX ; therefore, I 've sent XXXX correspondence to XXXX XXXX XXXX, XXXX. at above said address and XXXX correspondence to Consumer Financial Protection Bureau, XXXX. XXXX XXXX, XXXX, XXXX XXXX by XXXX by standard mail ; to report this disputed debt and violation of XXXX XXXX Code XXXX ( XXXX ).
My Father passed away XXXX and had to move locations. Living at my new location I have not received any information regarding this debt from Eastern Account System. I was unaware of this and it was sent to collections. This XXXX XXXX my wife and I will be XXXX. We were aware of this debit while reviewing my credit score during our process of trying to purchase a home. If I knew this debit it would of been paid off in full along time ago if I received any statements or letters. On XXXX/XXXX/XXXX I have paid all debit in full and I am requesting this to be taken off my credit. When reaching out to Eastern Account System they seemed to not empathize with how important this is to be taken off. They also did not give me any options on how this can be erased. My wife tried contacting Eastern Account System leaving messages to the Manager XXXX. We have yet to hear back from them. I know if they are a collection agency it can be very frustrating to not be able to collect money from people and the same goes for me. I am frustrated that because I paid in full they do not care to contact me back to erase this.
I closed on my home on XXXX/XXXX/2016. My mortgage was paid in full with dovenmuehle mortgage under loan XXXX. The mortgagee did not post the payment until XXXX/XXXX/2016. I then submitted a change of address in writing with Dovenmuehle on XXXX/XXXX/2016. After not receiving my refund I called back on XXXX and I was told the address change was never received. However they gave me the exact same email XXXXXXXXXXXX to send it back to. Therefore, I filled out another change of address and sent it back. I was told I had to wait 30 days for them to reissue another check which I found unreasonable but I did wait until XXXX. On XXXX I was told it would be another XXXX7 days to research if the check had been cashed. So I called back on XXXX to see what progress had been made. I was told the 5-7 days was not up and that once they verified the check had not been cashed they submitted a request to " cut the check '' which takes XXXX7 days and from there the check then goes out another XXXX7 days later. I verified this by asking the rep, " so it will be another 14 business days? '' She said that was accurate and that 's when I said this was unacceptable. I pushed through XXXX different supervisors. Someone did not put me on hold properly and I witnessed the rep 's discussing how difficult I was being. Then a supervisor got on the phone and said they would try to direct deposit the refund in 72 hours. We will see if that happens but I have my doubts. I am going on 60 days since I closed my loan and this mortgagee still has my {$2900.00}!
Diverisifed Consultants, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has been destroying my credit and hounding my phone about a debt with XXXX. I informed them I havent had a XXXX account in a very long time as my phone service is thru business accounts. I asked for a deb validation letter. I get the letter and it provides a bill summary with no details and the dates are for XXXX. I know for a fact i did not have service with XXXX in that time period and can prove it. Also I have not lived at the address listed on the bill in over 7 years so I know this is not my debt. I am attaching a copy of the bill that was sent to me and a copy of the letter from debt collector.
CAC Financial Corp is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
I have had a home mortgage with Wells Fargo for XXXX years. I rented my home out to some bad renters and my insurance company sent me a check for {$5400.00}. The check was made out to myself and Wells Fargo. After I spoke with Wells Fargo, they said to sign the check and send it to them, they would endorse it and return it to me. XXXX XXXX showed up the next day, picked up the check. I signed it and the check was overnighted to Wells Fargo. I continued to call over and over about the check and my account was charged to a bad account number and it has been a year. The check has NEVER been returned to me. I contacted them about doing a HAMP refinance since I made repairs out of my own pocket. They have since started foreclosing on the house and refuse to return the check.
Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The  bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2.  XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX XXXX CC ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4.  XXXX XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX
SOUTHERN MANAGEMENT SYSTEMS IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
REF COMPLAINT # XXXX 1. We still have no resolution after 26 days after our original request and 31 days since our original closing date. We have had dialog with Wells Fargo Customer Relations ( XXXX XXXX XXXX ) on ( 3 ) occasions out of ( 12 ) contact attempts ( see timeline below ), but have had no response to our last ( 5 )  attempts in leaving voice mails. 

XXXX Contact with XXXX XXXX Goal to provide release by XXXX, will engage with Lien Release Department to produce Certificate of Satisfaction ( COS ), currently doing research for original COS/Deed of Trust ( DOT ) to expedite process. XXXX XXXX available XXXX CST. 
XXXX Contacted XXXX XXXX 100 % committed to get lien released by XXXX, expecting an update within the hour from Lien Release Department. 
XXXX No response from XXXX XXXX called left voice mail for call back. 
XXXX Received update from XXXX XXXX Will not release a COS, but working with legal for a Letter of Indemnity ( LOI ) will follow up on Tuesday, XXXX. 
XXXX Received no response from XXXX XXXX after ( 3 ) attempts leaving voice mail. 
XXXX ( 5 ) attempts with no contact. 

2. On XXXX, contacted by our Real Estate Agent that we had lost our buyer who submitted a Contract Release Agreement due to hardship. We now have incurred personal and monetary damages ( See Attached Spreadsheet ) resulting from Wells Fargos incompetence and non-compliance with VA 55-66 in not producing either a COS or LOI, in which we must now pursue legal action based on the following facts : 3.  Research documents show the original XXXX XXXX XXXX  ( {$64000.00} ), refinanced by XXXX XXXX XXXXe ( {$65000.00} ) and assigned to XXXXXXXX XXXX , XXXX, in XXXX was then acquired by Wells Fargo. Acquired Wells Fargo lien ( {$50000.00} ) was then paid off through XXXX XXXX XXXX refinance ( {$84000.00} ) as evidenced on HUD-1 Statement ( Item 1502 ) dated XXXX ( Attached ), XXXX  then  acquired by Wells Fargo in XXXX. Chain of succession shows Wells Fargo in accordance with VA 55-66.3 inherited fiduciary ownership of this mortgage directly or through acquisition in excess of 20 years since the 2nd transaction which satisfied original lien. Therefore, Wells Fargo has ownership of documents showing payoff of original mortgage.

4. Property has little risk of any potential lien claims being that XXXX XXXX XXXX XXXX, having been the original home owner evidenced by multiple title insurance companies in accordance with VA 38.2-4601, released the liens through each of the ( 4 ) Deed of Trust ( DOT ) transfers and issued policies of title insurance as defined in 38.2-4601.1, for real estate transactions wherein the loan secured by the lien was satisfied by payment made by the title insurance agency or agent ( Last 3 DOT transfers being owned by Wells Fargo ).

**We are experiencing the " Old '' Wells Fargo and not getting the customer service to re-establish trust and confidence in the " New '' Wells Fargo per their recent  commercials.
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing  Santander Consumer USA a s a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of  Rule 5000 F DIC, that it has been in defaul t for 180-days or more . This is the federal mandate, not mine. This loan is currently being paid on and is current.  Santander Consumer USA i s maintaining a charge off even though the  180-day la te timeline was never reached, and  Santander Consumer USA ne ver filed a default on record with any  XXXX  filing with the  Securities & Exchange Commission . I am a member of th e  XXXX  Community  that came to  America  for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.   SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!   I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!   SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!   I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!   THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!
In XXXX we filed a chapter XXXX bankruptcy in order to try to keep our home after credit card companies increased their minimum payments by 2 1/2 times what they 'd been being. I simply could n't pay that much of an increase and when I attempted to work with the companies their answer was I had no opt out option on what the payments would be. I had years and years of perfect pay history but simply could n't go from an {$800.00} a month payment to a {$2500.00} a month payment. So the bankruptcy was n't a really my choice ... I had no other option..In XXXX my husband became ill and could no longer work and I had to take a cut in pay due to the economy having such a negative impact on the company I worked for. I contacted Bank of American in an attempt to modify my loan but was told that because we were in the Chapter XXXX there was n't anything that could be done. Since I only made {$35000.00} a year it obviously would be impossible to keep a home that payments and insurance was over {$30000.00} a year. At that point the home was surrendered back to Bank of American. Up until that point we 'd never paid a late payment on that home and had lived there for 11 years. In around the first part of XXXX XXXX notified us that they had acquired our mortgage and all future payments were to be made to them. I immediately contacted them and Bank of America trying to explain that this was all handled throught the courts in XXXX. Bank of America said they did n't have to abide by any such order. XXXX continued to pursue us for payment. Finally after several months XXXX ceased to call. In XXXX XXXX the home sold through XXXX. Reported on my credit bureau file was that I had a foreclosure through XXXX dated XXXX XXXX. So obviously this had an impact on my credit score and any hopes of me getting another home for at least 3 years. I attempted to get them to understand that they should have NEVER had anything on us because the BOA debt was discharged by the bankruptcy but they said that was n't true. I 've sent copies of the modification letter and judge signed document to both banks.. to no avail. So in an attempt to get into a modest home I have this hanging over my head as having just happened in XXXX. So I asked for help through XXXX. The result was a XXXX point drop in my credit score because XXXX shows that our payment history was over 120 days late with payments. When I referred this information to my attorney I was assured that Judge XXXX order was sufficient and I did not need to be concerned. XXXX response to XXXX was that it was THEIR loan and we never paid on time.. PLEASE help get this resolved. I 'd like to have a home again one day.
I had phone with XXXX they shut off stating I owed them thousands of dollars for charges I didnt owe they shut your phone off if you dont pay one months payment, I had phone in about XXXX this is XXXX and they are on my credit report for XXXX dollars they have been on my report for 15 years there is no way I owe XXXX dollars they shut my phone off and I should only owe for one months payment not XXXX dollars how can I owe so much if you are late one month they shut your phone off they are trying to ruin my credit and charge me for an outrages amount of money that there is no way I could owe XXXX they dont let anybody charge thousands of dollars to there account if you dont pay your bill every month they shut it off and they have been on my credit report for about 15 years changing collection agencys to do so please help me get this stopped they do same thing to thousands of other people too, Ive disputed this for years so Im filing this complaint to try and get this matter resolved thanks for your help
My home mortgage was recently sold from XXXX to Mr. Cooper. In the past, the mortgage payment was always due on the first of the month with a 16 day grace period. I have always advance ( electronically ) payed my mortgage payment to be delivered on the XXXX of the month. With XXXX, I never received a late fee, as the payment was received during the grace period. As with all my electronic payments, the day my bank transfers the payment is the day the receiving institution credits my account. Except Mr. Cooper. Even though my bank transfers the payment on the XXXX, Mr. Cooper does not credit my account for 2 to 3 days later and subsequently assesses a late fee. To date, they have reversed the late fee each time, but my concern is that they are defrauding other customers by not crediting accounts the same day they receive payment. This appears to be a scam!
I am about to XXXX. My federal loans have all been placed in deferment because of my national service. However, Navient, which is servicing XXXX private student loans, is refusing to give me any accommodation. They claim to have some form of special treatment for those serving in the Armed Forces, but not for XXXX XXXX service. Navient also claims that I " used up '' most of my contractual " forbearance '' from when I did two years of service in an XXXX XXXX program in a XXXX public school. That " forbearance '' was a dubious benefit ; while I did n't have to make monthly payments, the loans ( at rates as high as 12 % ) racked up so much interest that I essentially will be paying for years for my service in XXXX. I believe this is outrageous treatment of someone who is doing national service and wonder why Navient -- who, I understand, is making lots of money servicing federal loans -- is not compelled to respect and support national service in its servicing of private student loans. I have approximately {$330.00} in monthly obligations on my Navient loans. What am I supposed to do? In XXXX and XXXX XXXX, the commitment you make is to live at the poverty level, at equivalent income levels to the people being served. It is simply not possible to live in poverty and keep up with Navient 's demands. This whole miserable situation with Navient has its roots in the deceptive marketing of private student loans. I was XXXX years old and they made a point of making it sound so simple and indistinguishable from my federal loans. Please note that I am scheduled to depart for my XXXX XXXX service on XXXX XXXX, 2016.