WillisBack/dataset-financial-user-claim huggingface dataset:
recently, OCWEN wanting to file a foreclose law suit, so OCWEN falsified a copy of old mortgage paper, and ask MERS Mortgage Electronic Registration Systems , Inc. ( MERS ) to file a assignment of Mortgage Electronically. They have violate the law and also, lost trust in the system, MERS have abused the Electronic file system. according the law, MERS need to have the real document to validate the information, there is no promissory note or real Mortgage with real signature on hand, file in XXXX county clerk office, and you can also look at the date they file, it was there first filing on XXXX XXXX, XXXX and the Mortgage date is XXXX XXXX by falsified a record statement, it is a violation. please look at XXXX law suit, OCWEN attorney said the original Mortgage is lost, then without original Mortgage, MERS and OCWEN are just using a copy to file. this is very serious problem, if they just use a copy to file, it will damage the foreclose procedures.
TCI - Total Card, Inc. calls me incessantly about a debt they purchased from XXXX. I know XXXX as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, XXXX, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XX/XX/2016 from Total Card , Inc. stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.
I financed a car through PNC bank. I was required to open a PNC bank account when opening the loan account and keep a minimal balance there to cover the loan payments. As a responsible consumer I also singed up for automatic transfers from the bank account to the loan account on the payment date. 
After the first month, I noticed that there were XXXX transfers out of the bank account. This also caused me bank fees for the overdraft. I contacted PNC bank to complain. I was advised that I probably made the payment twice. I said that this was not correct, as I had only scheduled it once. They said that they would reverse the extra payment and fees. 
The next month, PNC again withdrew the payment twice. This time they also charged me a {$30.00} fee on the loan ( I assume because of the reversal ). 
I contacted PNC again. This time they told me that PNC automatically withdraws money from my bank account. I told them that without my permission it is fraudulent to do so. They said that it was in the contract. I said that they never advised me about the automatic transfer ( without my permission ) the first month and had they done so, I would have cancelled the auto pay that I set up. In addition, right after receiving the car, I had contacted PNC for a copy of the contract as I wanted to make sure I had the full copy, and there was no mention of an autopay in the contract that they mailed me. 
PNC said that they would look into it and reverse the charges. I have not heard back since. In addition, in order to reach them, I have had to call many times, send many email, and they rarely reply. What they are doing is Fraud and illegal.
I have been using a Target Red card for over XXXX years. When I XXXX obtained the card I was given a {$700.00} credit line due to new credit and limited income as I was in school. In 2012 I reported to target my income had increased well into the XXXX figures and I have established credit and had a FICO credit score above XXXX. They refused to increase my credit line at that time. They have refused to increase my credit line from then and still continue to refuse to increase the limit despite a credit score of above XXXX and an income of {$140000.00}. I believe this is due to my name being XXXX.
I spoke with XXXX of the XXXX credit reporting agencies a few times to dispute a chapter XXXX bankruptcy that was filed XX/XX/XXXX and dismissed. From my understanding, a chapter XXXX remain on your credit report for ( XXXX ) years. The credit company tell me it is their policy as the other XXXX credit agencies do not show it as of XX/XX/XXXX that it will stay on your credit report for ( XXXX ) years if it is dismissed and not XXXX and because they are governed by you the CFPB to do it. This is unfortunate and unfair because it was dismissed and converted to a chapter XXXX after I lost my job. The chapter XXXX was XXXX in XX/XX/XXXX and I think this is another way to penalize those who have paid their bills on time and have established very good credit after their misfortune.
I have ask XXXX to provide documentation to me several times validating this student loan debt and by validating these debts I actually wan na see who signed the loans if there is even a signature. 

I feel these loans where opened fraudauluantly until otherwise proven by signature that these loans belong to me. For some reason XXXX has not and wont provide this information to me, when I so called have rights to these loans. 

I will ask once again for XXXX to provide this information to me
This company has put an erroneous entry on my report from XXXX apartments and Fair Collections and Outsourcing. The only verification anyone has received about this entry, is verification of my name and that I lived there, which was never the dispute. I do not owe this charge. This company failed to provide me with the photographs they claimed to have showing the things I was being charged for nor did they provide me the receipts proving they paid out for these charges. No business would pay this kind of charge without confirming the alleged damage and proof of the repairs.
After my first inital complaint ( XXXX ) I was contacted on my cell phone by someone at WellsFargo. I missed the call and called the number directly back. After speaking to the lady who answered the phone I was transferred to another lady, only to be disconnected during that transfer. Luckly I had the phone number and extension and called it right back, only to get a voicemail. I left a message and it took 2-3 days for a recall call. After being told my home specialist was changed from XXXX, who never returned my calls and was rude I was told I have an XXXX. I called XXXX direct number and left a message on XXXX/XXXX/15 @ XXXX to return my call. After not being called back I called and left another messsage on XXXX @ XXXX pm.. I still was not called back. I left another message on XX/XX/XXXX @ XXXX, finally I called again at XXXX using a different method other than his direct line. Needless to say he answered. When he asked what I needed, I explained I just wanted to know what was going on with my account. He said I needed XXXX full payments or I could do a short sale or foreclosure. I had explained how I had left him several messages and had left XXXX several as well. I tried leaving a payment on XXXX voicemail a month or so ago since she never called back. XXXX explained they can not take payments from voicemail. I was never called and told that, so how would I have known. No one calls back nor do they care if a family is about to lose thier home. I had sent XXXX the paperwork she requested when she was over my loan and even a letter explaining how my husband at the time had lost his job. I have to wonder if by me doing these complaints, is Wellsfargo is going to make this worse for me? 
This bank does n't seem to care and after reading all the complaints online I see why they get them. I do n't even know what to do or where to turn.
I had a bank account with Bank of America and closed it because they held a deposit that caused my account to overdraw. All the did was apologize so I closed the account and paid off the checks that did not clear now they are billing me and reported to checks system that I owe them {$430.00} they see that I withdrew {$1900.00} to pay off checks because of their mistake and want me to pay XXXX of the {$430.00} this was their error and it cost me even more. I want this account to be resolved and deleted also a fraud investigation opened because they have been stealing money specially from XXXX customers. Please call me XXXX XXXX XXXX.
I had reached out to  XXXX  to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at  XXXX  advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with the Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usua l 24-48  hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and Equifax where i can not get any of my free credit reports with some type of error stating that my information could not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.
In 2011, I received a refund from XXXX for unsatisfactory services to my credit card. When the refund was placed back to my account ending in XXXX, Capital One charged me back for the money. I would like the money returned to me, as I won my dispute with XXXX and am entitled to it.
The following letter was sent to XXXX without a response : To whom it may concern, XX/XX/17 I am notifying XXXX and its representatives that I am disputing a credit enquiry made by your company on or about XX/XX/2017. I was in a XXXX  store located in XXXX South Carolina when I was approached by a XXXX representative who enquired about my television service. We began discussing different options that your company offers. After taking some of my contact information the representative asked me for permission to do a credit check. I immediately refused. The representative thanked me for my time and the conversation ended. I left the store. I have since monitored my credit reports to find an unauthorized hard enquiry was made by DIRECTV.

In accordance with the Fair Credit Reporting Act, please remove this enquiry from any and all credit reporting agencies that this enquiry has affected within thirty days of receipt of this letter. My contact information is provided below.

( Included was my personal information including name, address, and telephone number ) ( I have removed this information in accordance with the instructions provided. )
The debt collection company, Diversified, ( XXXX XXXX is the latest person ), repeatedly calls. Their # is XXXX. I have spoken to them at least 10 times. I have indicated that I owe NOTHING and have asked them to stop calling. My position is that I am willing to defend myself in a court of law, therefore I have told them to sue me or take me to court. They simply reply that they will call again at a later date. I have told them that they are harassing me and some just laugh. The calls do n't stop. Please help.
There is an error on my credit report from Toyota Financial for a vehicle. I have asked the credit bureaus to remove it several time and they will not. They are saying that I co-signed/co-purchased a vehicle. The only problem with that is those are n't my signatures, I did n't co-sign for anything and I was not employed at that time. I asked the company to send me proof of my signatures, they sent me the documents with signatures that are not mine. In addition, information provided on the application was inaccurate, they did n't provide me with copies of my social security card or driver 's license. When buying a car this is what is requested. Seem like to me they just let someone use my information to co-buy/sign. I have written letters, disputed this several times on line, and I have even pled and explained how the signatures are n't mine as well as give proof to how the information that was provided on the application was incorrect. I would like to file a complaint against Toyota Financial and XXXX XXXX for this inquiry because I ca n't get another car loan for a loan that does not belong to me.
I paid off my loan with sallie mae years ago and now they are putting negative information on my credit report. The loan was settle and paid off around XXXX but it still shows on my credit history as of XXXX/XXXX/XXXX
This company "Perfection Collection” XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX is has been reporting an alleged debt on my credit file, that is inaccurate and unenforceable. They are a third-party purchaser I notified them in writing on XX/XX/XXXX to remove the information. They are still reporting the debt as open contract that begun in XX/XX/XXXX, when in fact this contract begun XX/XX/XXXX (see attached). In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment (OCGA 9-3-24). The Fair Credit Reporting Act, or FCRA states that most negative items must be removed from your credit report seven years from the first date of delinquency. This account is (14) years old there's hasn't been any payments made on this account since XX/XX/XXXX.
XXXX/XXXX/2018 I received a letter from a company who identified themselves as a law firm on the letter that was addressed to me. However when I called them to discuss the letter that I received they later identified themselves as a debt collector. The debt that they are referring to is a debt that does not belong to me, nor does it appear on my credit report. I never had a medical bill with the hospital noted.
I had a mortgage with BOA. The Loan was paid off in XXXX 2014. BOA is reporting that I am 90 days late in XXXX of 2014. I could not have been late in XXXX of 2014 when my loan had been paid off in XXXX of 2014.
I have an American Express credit card. They tried to charge me interest even though I have automatic payments set up to pay the entire balance each month. Before this, I never paid interest charges and there should be no interest charges. It first started last month and this month the interest charges more than XXXX from last month even though my statement shows that the full balance was paid. Again, there should be no interest charges for either month since I pay off each month 's balance in full since I started using the card for over a year. 
I talked to XXXX of their reps about this, and last month they refunded the charges. She said that there was a problem with their website. That might be true for XXXX month, but as a XXXX for over XXXX years, I can tell you that if the same problem resurfaces the next month, it is not a bug. It is a " feature '', or desired behavior by the company 's executives looking to bolster the bottom line at the expense of their customers. I think you should investigate and prosecute the executives in charge of this. You should publicize the investigation and also fine them large amounts of money in order to discourage such behavior by others. 
They may claim that they are offering refunds to all customers that call them. However, what about the customers that do n't look at their statement very carefully and just pay the specified balance? In that case, they simply pocket the money and the customer is none the wiser ... They are purposefully ripping people off. The company needs to pay a large fine and someone needs to go to prison over this ...
While attempting to refinance my home the title company has come across XXXX liens on my property that appear to be filed by the collection agency to collect a debt that was not my debt originally. Thus debt tagging is what appears to be taking place. I have notified them directly to assist with taking care of this illegal practice. 
I have also attached the documents that I have submitted to them directly. 
I had an incident in XX/XX/XXXX from XXXX collections to try and collect a debt that was not mine. In all instance our names are similar.
Loan transferred to Nationstar Mortgage XXXX XXXX from XXXX XXXX XXXX after completed trial payments for modification. Funds held in suspense account after transfer and payments continued to be held in suspense account and not be applied to account until XXXX XXXX. Timely payments were then improperly applied to account causing incorrect delinquent reporting. I have addressed this with Nationstar multiple times in XXXX after I checked my credit and was assured fixed. Re-checked credit XXXX XXXX and requested investigation from credit bureaus resulting in the delinquency to continue to be reported. I am unable to convince Nationstar to correct even when documentation is provided to clearly show payments were sent and received timely.
I made an extra lump sum payment on my student loan and the loan servicer ( My Great Lakes ) applied this payment incorrectly. After several phone calls to the servicer I was told that they take the excess payment and apply it to next months payment first, and the remainder is applied to principal. This information was never provided to me, nor can I locate this information published anywhere by the servicer. 

They have a " how payments are applied '' section on their website which states : " However, when it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment. 
2. Principal of the loan with the highest interest rate. " On XXXX/XXXX/16, my automatic payment was drawn and applied as all automatic payments are. On XXXX/XXXX/16, I made an extra {$1000.00} lump sum payment which was specified to be 100 % applied to one specific loan token ( highest interest rate ). I expected that a small portion of this payment would be applied to 1. accrued interest since your last payment ( 4 days of interest ) and 2. the remainder would be applied to the principal of the loan with the highest interest rate. Instead, it was first applied to next months payment and the remainder applied to the principal of the loan with the highest interest rate. 

After speaking with customer service at Great Lakes, they agreed with me that the " how payments are applied '' section is confusing and lacks the full explanation of how payments are truly applied. 

This is very unfair to the consumer who is simply trying to get out from under their student loan debt. This servicer needs to clarify to the consumer how exactly payments are going to be applied and I hope that the Department of Education will assure that they fix this issue. I have had loans with XXXX ( formerly XXXX XXXX ) and XXXX and this has never been an issue. These other servicers made it very clear and easy how your payments were applied, and if you made an extra payment it was applied exactly as you expected. XXXX and XXXX get an A+ rating and My Great Lakes gets an F.
I have been trying to access my Credit Reports from XXXX, Experian and XXXX which have not been allowing me to do that lately keeps saying error and there are a couple of things that were settled however not updated because score is still the same
I was contacted a couple months ago by XXXX at Student Debt USA. She wanted to take over my student loan debt and provide a way for my loan to be forgiven after so many years of paying on the debt, All I had to do is pay Student Debt USA {$1000.00} in ten monthly payments, then several years at {$35.00} per month for the period of time required to have the loan forgiven. Like a fool I agreed to accept Student Debt 's assistance. I have since paid them {$200.00} total.

I called my student loan holder, XXXX ( XXXX XXXX XXXX XXXX ) when I didn't receive any paperwork from Student Debt USA and was told that they ( SDU ) were taking money for a free service that I had been enrolled in through XXXX for years. 

I was advised to make a complaint against Student Debt USA with several government agencies which included this bureau.
XXXX XXXX XXXX XXXX XXXX {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, reportability of this listing. 
There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and 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 formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice
I have a bankruptcy filing that was dismissed, within two weeks. I never had a discharge and it was my choice not to proceed. I have requested numerous times to have the dismissed bankruptcy removed, as it is reported as a bankruptcy to potential creditors. It is false and misleading. 

I was advised to file the bankruptcy from an attorney so I did. His advise was that it would not be reported on my credit report if it was dismissed and not discharged. 

You can see by the attached documents from potential creditors how Experian is reporting my credit.