WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX on XXXX XXXX 2016 I was pre qualified for the home I wanted to buy in XXXX XXXX by suntrust mortgage loan number XXXX. My credit score is over XXXX I have been workin for the same company for 8 years and I have money in the bank. After an enduring process of all these unheard of stipulations they had me doing which went on for more than 2 months harassing my boss constantly on the phone and getting him to write letters, as if i havent been working and paying my taxes, Also including work on the house before I owned it telling me i was conditionally approved if I fixed certain things, I had to get a licensed contractor, a licensed ac guy, and a licenced electrician which cost a pretty penny I met all there demands. I feel these people from suntrust were biast towards me because I 'm from XXXX they were n't acknowledging me throughout this process constantly ignoring me and my phone calls not being helpful with the loan process which we know can be a hassle actually making it more difficult for me because it 's my first home. I 'm an American from a XXXX backround my father was a XXXX XXXX and retired one in the great city of XXXX they treated me like I was n't raised XXXX yrs in this great free country we call the United states, My closing date was XXXX XXXX that week the lender wasnt ready with the paperwork instead of giving reasoning to why they were n't going to make the closing or to get in contact with the seller or title Co to extend my closing which was XXXX XXXX, At XXXX XXXX on XXXX XXXX they called me on the phone and verbally declined me, no email nothing written on paper stating why they declined my loan which the law requires to be done. I felt they were XXXX and biast towards me because there is no reason to deny me the loan I meet all the necessary credentials. All I want is to live the American dream and buy my first house a place I can settle down and eventually raise a family. Thank you for your time XXXX XXXX
A collection account showed up on my credit reports for Midwest Recovery Systems. They 're phone number is listed as XXXX. They 're address is listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. They show original creditor as XXXX XXXX. 1. I have not ever received debt verification or any correspondence from the collection agency. They say the account was placed in their office XX/XX/XXXX for debt dated XX/XX/XXXX, yet they have never contacted me. 2. I have never done business with CP Investors. I have not ever been contacted by them for any debt. 
I believe XXXX XXXX to be a scam and Midwest Recovery also. They failed to notify my of any account in their office within 30 days and reported a, fraudulent account to the credit bureaus. I would like the account removed immediately and Midwest Recovery held accountable for failure to comply with the law. What they are doing appears to be fraud.
Prospect Mortgage, XXXX, SC XXXXXXXXis placing a mortgage on XXXX, SC declaring " there is no litigation '' related to the property, when indeed litigation has initiated with : XXXX, South Carolina, XXXX XXXX ( XXXX ) XXXXXXXXThis attorney is a class action firm and their last similar but smaller litigation for the same type of " structural defects '' was {$200.00} XXXX. 
Prospect mortgage hopes to place this mortgage denying that any litigation exists, " before the litigation is registered in the land records ''. 
My complaint is this is UNETHICAL at best and perhaps worse.
Someone obtained my credit card # fraudentally. I notified the bank and was told they cancelled the card and would remove the charges. However, they have not done this as charges keep appearing. When I call I am told I never reported the charges as fraud but it will be done. After 6 phone calls, each time being told 1. I never reported the fraud and 2. I never reported the charges as fraud, I am filing a complaint.
I am writing this letter because I have tried numerous times to request a credit limit increase for both cards of the Capital One cards I own. I have a Kohl 's store card as well as a Capital One card. After having both cards for nearly 2 years, I have not had one credit line increase, on either, even with my income increasing. I do not believe proper investigation or consideration is being done when requesting online credit increases. I know this for a fact because I requested a credit line increase less than a week ago and today, XX/XX/2018, I received a letter stating that one of my Capital One accounts was recently 60 or more days past due. In this case, I have pulled my reports from XXXX, XXXX, and XXXX to show that this statement is false. I would like for this company to please take that time to reconsider my account and increases. 
All personal information has been blacked out due to privacy.
On XXXX XXXX 2016, I received an hard inquiry on my credit report from this agency. To my knowledge I DID NOT give this company a written or electronic consent to pull my credit report. I will like to see validation with my signature giving them consent to make a hard pull on my credit.
I am writing in regards to my account with G.E. Capital Retail Bank, now Synchrony Bank, for a store ( Banana Republic ) XXXX card I had from XX/XX/XXXX- XX/XX/XXXX. 

In XX/XX/XXXX, this issue was resolved regarding uncredited payments ( see CFPB complaint case no : XXXX ). However on my most recent credit reports ( with XXXX and XXXX ), the information shows up again as a " Charge Off '' and that my information was sold to XXXX XXXX XXXX to collect my unpaid debt- a debt of which I am unaware. To my knowledge, I paid this account in full and closed the account. 

The floor supervisor in the Recovery Department at G.E./Synchrony, XXXX, researched the matter per my phone call today, XXXX XXXX. The alleged unpaid debt is a minuscule amount- $ XXXX and comes after my correspondence and phone calls with G.E. Capital Retail Bank paying the account in full and closing the account in XX/XX/XXXX. 

Furthermore, XXXX tells me that records show that the last statements were returned to G.E. Bank in XX/XX/XXXX. Though she is unclear as to why I would be receiving statements after my account was closed, she surmises that the {$11.00} is outstanding interest, though she can not be sure since the alleged debt has been charged off. 

Synchrony should transfer my account back from XXXX XXXX XXXX, the company to which my account was sold in XX/XX/XXXX. Please note, this sale of incorrect information was a year and nine months after I believed the account to be paid in full and closed! Furthermore, Synchrony should provide a detailed, itemized report of alleged outstanding debt. Finally, Synchrony should report to all XXXX credit bureaus that my account is " Pays As Agreed '' and closed at consumer 's request.
Bank of America refuses to comply with the Fair Credit Billing Act. 

I mailed a credit card dispute letter to Bank of America. They told me in writing that they got my dispute letter on XXXX.They rejected my dispute and charged my account on XXXX. This is more than XXXX billing cycles. This is more than 90 days. My billing cycle date is the XXXX. 

The nature of my dispute was Billing Error. I demanded clarification. I did not receive clarification.
My problem is with Experian. I noticed a XXXX point drop in score with Experian to XXXX. 
XXXX reports my score at XXXX and XXXX at XXXX as of XXXX/XXXX/16. 
I requested and paid for copies of all XXXX. 
The Experian report shows a " Serious Delinquency or Derogatory Indicator '' hurting my score by ( XXXX ) account. After talking via phone with NUMEROUS people and departments, NO ONE can tell me any further information- they say my report shows no late payments and can not give me any further info on a " Derogatory Indicator ''. 
They are saying " case closed ''!! 
I am SO frustrated!!!! 
Do not know what to do next nor can I dispute something that I do n't know who from. 
Can you give me any recommendation as to handle further.
On XX/XX/2018 I found out I was victim of Identity Theft. A fraudulent application had been submitted to XXXX XXXX requesting auto financing in my name. XXXX XXXX sent this application to various lenders they use. It was when I received a letter from a company named XXXX, declining my application, that I was made aware of the Identity Theft. When I spoke to them I found out my application had come from XXXX XXXX. I then called XXXX XXXX, to advise them I had not submitted an application. They said they would follow up with the companies they had passed the application on to and let them know this was fraud. At that time I requested credit reports from XXXX, XXXX and Equifax. I found inquires on all reports from lenders I have never heard of. I have worked with XXXX and have gotten my report corrected. XXXX is currently working on my disputes. But Equifax is telling me they do have the ability to remove inquiries affecting my credit score. Vendors who received an application and contacted Equifax for a credit report have assured me they have contacted Equifax advising them these inquires need to be removed. ( The companies are XXXX and XXXX ) As of this morning, XX/XX/2018, Equifax is saying they have not received any information to support my claim and in the meantime these inquires will remain on my report and affect my credit score. I have an open FTC complaint and a Police Report as well, but Equifax says this doesn't make a difference. I want this corrected and not to continue to show as something derogatory on my report. Thank you.
I submitted complaint # XXXX in which someone at CFPB has abused its authority aiding in the concealment of the fraud involving debt bondage and trafficking. Ocwen Loan Servicing, LLC foreclosed on a Deed of Trust # XXXX XXXX and conducted a foreclosure sale as it claimed there was a balance owed to the lender. QUESTION : What is the name of the lender it paid off? Ocwen has admitted it became the agent collecting the loan and was contracted by XXXX XXXX XXXX whom acquired certain liabilities from XXXX XXXX, XXXX. the purported originator of the loan, however, there is no recorded acquisition in public records from XXXX XXXX, XXXX. to XXXX XXXX ( now XXXX XXXX XXXX ). 
What is the NAME of the Lender, specifically the holder in due course of the contract? What is the name of the lender that claimed it suffered a loss and therefore having authority to real estate, land and building, immovable property? Please require someone having authority to act in the capacity of an officer answer under penalty of perjury. And also, reveal the name of the employee whom interfered with my right to due process in obtaining the name of the lender? State the name and position.
I, XXXX XXXX tried to have a credit item removed that was re-aged by XXXX XXXX XXXX XXXX. I showed proof that XXXX had cut off approximately seven-years of payment history. The fact that I modified the original loan does not lock out the pre-existing payment history. The Federal Trade Commission has through several mandates to stop credit bureau subscribers such as XXXX XXXX XXXX XXXX XXXX from re-aging of credit trade lines. The facts are as follows : Original mortgage taken from XXXX XXXX XXXX XXXX XXXX with account # XXXX Original mortgage transferred for servicing XXXX XXXX with same account number Loan transferred to XXXX XXXX XXXX XXXX XXXX XXXX with same account number Loan modified XXXX XXXX, and a new account number was assigned # XXXX Loan continuation of payment history must be applied to loan number XXXX from loan number XXXX The fact that XXXX XXXX XXXX XXXX has XXXX XXXX XXXX XXXX of payment history on the new account number is a re-aging process where the trade line timeline is illegally XXXX should have been XXXX XXXX, as the original first late payment shows on file number XXXX XXXX XXXX. 
I request a full and complete reinvestigation by Experian on this matter, as XXXX XXXX XXXX, XXXX has avoided the subscriber agreement with a credit reporting agency. Therefore, since the complaint against XXXX was not rectified, I must file an FCRA violation complaint to remedy the matter. 
The XXXX XXXX XXXX, XXXX account # XXXX must be deleted permanently!!!
I HAVE A CREDIT CARD WITH CAPITAL ONE. THE MONTHLY PAYMENT IS DUE ON THE XXXX OF THE MONTH. ATTACHED IS A COPY OF THIS MONTH 'S BILL. I PAID MY BILL LAST NITE XXXX XXXX AT XXXX. CAPITAL ONE HAS INDICATED THAT MY PAYMENT WAS LATE AND THAT I WILL BE CHARGED {$36.00} AS A LATE PAYMENT FEE. IF MY PAYMENT IS DUE ON THE XXXX AND I PAID ON THE XXXX, WHY AM I BEING CHARGED A LATE FEE. WHEN I CONTATED CAPITAL ONE, THEY SAID IT WAS BECAUSE MY PAYMENT WAS NOT SENT BEFORE XXXX. NOWHERE ON THE STATEMENT DOES IT SAY ANYHING ABOUT THAT. PLEASE HELP.
I received an off from Citibank in XX/XX/XXXX ( offer XXXX ) that offered XXXX AA miles if I opened a Citigold bank account and met certain spending criteria which I met. I received a message in XX/XX/XXXX from XXXX XXXX confirming that I met all of the criteria and that the XXXX miles would be credited in XX/XX/XXXX. That never occurred. When I sent a message today, XXXX XXXX responded that, despite her prior email, I was not targeted for the promotion and would receive the XXXX miles even after confirming that I would receive them. The fact is that I did receive an offer being a Citibank credit card holder. I fell that this is a bait and switch scam and in bad faith. Please investigate this fraudulent offer and help with a resolution. Thank you.
I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that XXXX and Equifax had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the Equifax report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either XXXX or Equifax that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was removed. It is also now showing up as XXXX different creditor names.
I have been behind my mortgage. I always pay prior to the 90th day past due. 
I paid my full payment to Ocwen financial on XXXX XXXX, 2016, XXXX XXXX, 2016, and XXXX XXXX, 2016. I sent these payments XXXX XXXX and have a receipt for the payments. 
I received a note in the mail from Ocwen stating that they had not received a payment from me since the XXXX XXXX, 2016 payment and that I am now over 120 days past due. They show that my other payments are in a " suspense '' account and did not apply them to the loan. When I spoke to them they said it had something to do with a loan modification ; however, I never agreed to, asked for, or signed anything regarding a loan modification. The lady I spoke with is part of an escalation department and could not answer my questions or apply the payments that they are holding in suspense. Should did verify that they had over XXXX dollars in this suspense fund. The normal monthly payment is XXXX dollars. I feel that they are trying to force me into foreclosure. I need help.
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The address listed on the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The account numbers that they are reporting is " XXXX '' and " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 52 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX XXXX have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
I 've had several deposits into my Bank of America accounts from the same branch and sender since opening the account. All deposits were made in cash at a teller into my account. On the XXXX of XXXX there was a cash deposit made of XXXX XXXX which had not reflected after being deposited around XXXX. I called customer service and they asked to call back at beginning of following week if nothing had appeared. The following XXXX I spoke with an agent in XXXX of their accounting departments who allowed a temporary credit into my account of XXXX XXXX until the deposit was found stating they may have placed it into someone else 's account. After several weeks of stopping into my local financial center and speaking with management I was told to continue calling for updates until the end of XXXX when they chose to close the claim. They said they were unable to locate the deposit in my name. I called and asked to reopen the claim and please check the dastes and amounts to the particular bank since the deposit was made out of state. With little progress and even less information given to myself I 'd like to know why there has been no availibility after the original person who made the deposit supplied a recipt of the transaction to that bank. The bank was contacted on my part which said they did not know or have knowledge of who handled that information which has not gotten me anywhere in my progress and now without those funds nor a way to site the original transaction.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Syndicated Office Systems. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
My fiancee lost his job, and we have been reduced to one income. I have tried to set-up payment arrangements, several times, via email. I work full-time, and also own a bookkeeping business on the side, and do not have time to sit on the phone to for a half hour to try and talk with a customer service representative. My first time I reached out to Sears/Citibank letting them know I was having issues paying my bill was XXXX. It is now XXXX, and after several emails asking for someone to respond back to me via email ( and explaining my busy schedule situation ), I 'm now in collections and getting phone calls every two hours literally every day. The phone calls are automated and are never from an actual person. This is absolutely ridiculous and not professional. I am extremely frustrated that even when I did email about wanting to work out a payment plan I even got automated responses back to my emails. Sears/Citibank customer service seemed like they did n't want to work with me in regards to a payment plan, and/or my extremely busy schedule. They did not offer any option to work out my debt except to call them, which I told them SEVERAL times did not work for me. I am now in collections, my credit score is dropping, and I am NOT HAPPY! Sears/Citibank 's website even says there are payment arrangements available, but when I look for them on the site, they are n't there!
Had previously set up a payment plan with a withdrawal out of our joint checking account. A year later they claimed I still owed on the debt full amount. When I was contacted I was driving and told them numerous times I did not have the information in front of me. A month later, I received a notice from my bank stating they froze the joint bank account until the amount of {$260.00} was paid to close the debt. Then after waiting two weeks for them to unfreeze out XXXX account, I received a letter still stating we owed the full {$3400.00}. Also, this debt is from 2009. In their letter, it states that they can not sue me or persue me for the amount because of the age of the debt but can continue reporting it on our credit report. 
The debt has been paid. But they misled me on the phone saying I owed the entire amount and never told me it was only {$260.00} that was left. Also by freezing my bank account it caused us numerous hardship because we had bills scheduled to be paid automatically. 
Legally they were not allowed to collect the debt due to the age. 
Do n't get me wrong, I 'm glad we do n't owe them anything but I do n't believe they were allowed to do it the way they did.
1. I have a loan through Freedom Mortgage that is 3 years old. In XXXX I put XXXX on my loan balance which took the debt ratio below 63 %. When I originally secured my loan I was told that when my balance/ debt ration was below 78 % the PMI would automatically be dropped from my loan payments. I contacted Freedom mortgage and they told me I had to have an appraisal done through THEIR company. When I I received the appraisal estimate it was {$780.00}! I paid {$500.00} for my original appraisal when securing my loan three years ago!!! I asked if I could contact the original appraisal company and get the original one updated they denied my request. This has been dragging on since XXXX. It is extremely difficult to EVER TALK to a Person who make decisions if you are lucky enough to get a real person. In their phone system they initially identify me by my phone number linked to my loan number but am required to re-enter them both in XXXX more times before talking to someone!!! Then they open a ticket and send you a letter in 10 days. This has happened twice and two other times I was promised a call deadline to discuss the situation but never received al call!!! 
This has drug out for 4 months of additional {$99.00} PMI payments!! {$400.00}!!! 
I have NEVER been late for a payment and have a very HIGH credit score.