WillisBack/dataset-financial-user-claim huggingface dataset:
I own a XXXX 's card since XX/XX/XXXX. Immediately I had difficulties paying my card online. On XX/XX/XXXX my wife had a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. She called to tell them about the medical condition. I lost my job after being in the hospital with her and my child. I asked them for a lower payment. Also, I asked was this account insured. I told them due to my loss of income I couldn't afford the high payments. I asked if I could make $ 50 monthly payments. My wife was still making Payments and XXXX was still marking the account as late on my credit report. My account was closed and I strongly feel XXXX 's didn't want to help.
On XXXX/2018 I made a payment of {$490.00} to XXXX XXXX Bringing me current ) On XXXX/2018 I made a payment of {$50.00} to XXXX XXXX Keeping me current ) OXXXX XXXX/2018 I made a payment of {$53.00} to XXXX XXXX Keeping me current with decrease in balance owed ) However, my credit report as of XXXX/2018 has yet to be updated correctly. 
I called Transunion and filed a dispute sometime in the month of XXXX to dispute the issues with my credit still showing me being behind 140+ days  with an account that " needs attention '' and I received notification on Sun XXXX/2018 that my 3 accounts had been updated and current. One week later,  I received notification from XXXX XXXX stating that my credit for the three XXXX accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both XXXX and Transunion continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but XXXX has three separate account on my credit when in XXXX I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.
I was approved for a loan modification on XXXX XXXX, XXXX in the amount of {$1100.00}, to begin XXXX XXXX, XXXX. ( refer to pgs XXXX ). Said payments where paid in certified funds as requested. ( pgs.XXXX ). On XXXX XXXX, XXXX, I received a letter stating THIS IS YOUR SECOND WRITTEN NOTICE, which prompted me to call SPS as to the nature of what the letter was about. I was told that numerous pieces of mail were mailed to the property address for me to accept the terms of the {$1100.00}. I asked that the call be recorded. At no point in time did I ever receive anything via USPS or cert mail. I requested that anything and everything that was sent to me in regards to accepting the terms to please send again and mail to my work address for if it needed to be signed for I would be there Monday -Friday from XXXX. Today being XXXX XXXX, XXXX, I have yet to receive. My trial period was for 3 months and as a homeowner I did as requested and continued to pay my {$1100.00} as agreed. ( pgs XXXX ). XXXX XXXX, XXXX I receive a letter to qualify for loss mitigation ( which over the course of the last four years, I already had to do TWICE just to get approved at the current amount of {$1100.00} ) for a new payment amount of {$1700.00} effective XXXX XXXX, XXXX. I have already been approved for {$1100.00} and should not have to be put through this again. In addition, I was approved based on my income, which has not changed but SPS increased over {$600.00}. This is being set up for me to fail. SPS has already done the numbers and I have provided everything they requested and increase of such will force me to lose my home. ( pgs. XXXX ). XXXX XXXX, XXXX I receive a letter that my loan was referred to the foreclosure department, but they just tried to get me to accept new loan modification terms. ( pg XXXX ). XXXX XXXX, XXXX received another letter from SPS in regards to assistance. ( pageXXXXXXXX ). XXXX XXXX, XXXX I receive my cashiers check back for my XXXX XXXX payment stating that it was short. How can it be short? The new terms where not excepted nor even due until XXXX XXXX, XXXX. On top of that they tell me that {$170000.00} need to be paid or I will go into foreclosure on XXXX XXXX, XXXX but wait they want to increase by loan modification as of XXXX XXXX, XXXX. Not only do SPS timelines NOT add up. I have continued to pay my {$1100.00} and fulfill my obligation as a homeowner only to get railroaded. SPS is no more than bullying me, strong arming me and my son out of our home. My loan modification was approved, I continued to pay and now they are trying to use some loop hole to discredit everything I have worked for. This should be a criminal action. Just last week I read an article in XXXX about mortgage companies pushing homeowners out. What I thought was a done deal is now a nightmare again and I need your help.
XXXX XXXX XXXX XXXX XXXX has filed a foreclosure lawsuit against my property with Ocwen Loan Servicing LLC. Both Ocwen and XXXX XXXX in parity have conspired to commit fraud even responding through the Consumer Ombudsman office. XXXX XXXX the document custodian of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass through Certificates XXXX XXXX claims to be the owner, Lender and Beneficiary of the subject Loan. I contacted XXXX XXXX to verify the validity of the attached Limited Power of Attorney. XXXX XXXX VP of XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA called me back and upon asking himto verify the LPOA as XXXX is trying to collect on the DOT and forged note told me to sue them. XXXX 's attorneys at XXXX and XXXX XXXX, who have claimed that XXXX is the Lender and Beneficiary claimed that the Deed transfer occurred on XXXX from the originator the XXXX XXXX XXXX to XXXX XXXX. However since the trust is suing me the PSA nor the LPOA was attached and the XXXX XXXX was the broker, the loan was transferred the day of closing XXXX to New Century who sold it to XXXX XXXX XXXX. The title search from XXXX reveals that only the XXXX XXXX XXXX was listed and no subsequent fillings of transfers occurred until Ocwen and XXXX did an illegal substitution of Deed XXXX and appointment of Trustee between themselves. The letter dated XXXX from Ocwen to the OAG claim that XXXX XXXX is the custodian of the blank Note. This entire transaction and self appointing by the two entities fails as XXXX XXXX filed Chapter XXXX on XXXX XXXX, XXXX and could not have held onto or endorsed the Note Without Recourse in Blank to the Trust that closed on XXXX XXXX, XXXX. XXXX XXXX the document custodian of a long closed trust is foreclosing on properties with forged documents. WRONG company is NOT the answer.
Frequent calls from establishment to my personal phone, family, old work phone, and numbers outside of what was given to them in the written paperwork. Also has made calls outside of XXXX
Coinbase " disabled '' my account on  XX/XX/XXXX . I was given no reason why. I was asked to provide proof of my identiy and address. I immediately uploaded a picture of my NYS issued ID and also uploaded photos of my credit card statement, health ins info to further prove my identity and address. I have received no explanation as to why my account is disabled.
Coinbase had no issue allowing me to buy   XXXX   worth of cryptocurrency but now I have no access to MY money.
My coinbase account is linked to my bank account and my  XXXX  account ( which has links to ALL of my banking information ). I am now unable to hold any money in any of my banks because I have no idea if someone else has control of my coinbase account.
It has been almost 2 weeks with ZERO answers/resolution. The only communication from coinbase has been letting me know that my case is being escalated and IF my issue is resolved they will email me.??? Coinbase will email IF my account is cleared. IF? Coinbase is holding  XXXX  worth of purchased ethereum and litecoins. How can they tell me they will email IF they " clear account. '' I fear they have locked my account and stolen my money and banking information.
I currently rent a duplex located at XXXX XXXX XXXX XXXX IA XXXX. The property was sold on XXXX/XXXX/XXXX for {$180000.00}. The current owners used FHA financing and are not occupying the property. I know this because I 've been receiving their mail since XX/XX/XXXX. The mail is addressed to the current owners on record to my address which I have a lease agreement in place until XXXX XXXX. The property has XXXX addresses listed in the United States Postal Services website. XXXX and XXXX XXXX XXXX XXXX IA XXXX. I 've included a picture showing the XXXX mailboxes. I 've also included the lease agreement from the tenant at XXXX XXXX XXXX, which is month to month starting XXXX XXXX and is good through XX/XX/XXXX. XXXX and XXXX have lived at XXXX XXXX XXXX for over 5 years and will remain there until their current lease has expired XX/XX/XXXX. Simply sending someone out to the property and asking who actually lives there would clear this matter up.
I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( XXXX ), I will end up paying to the loan companies about {$78000.00}. Which is more than XXXX my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.
Message to XXXX involves a mortgage from 5th 3rd, the problem that I'm having is back in XX/XX/XXXX I paid enough down on principle to wear PMI should have fallen off of the mortgage. I kept looking for about 3 or 4 more months the PMI or FHA insurance never came off of the mortgage, so did a little more research and I am told now that I have to write a letter stating the removal of PMI from my mortgage. I wrote the letter in XX/XX/XXXX and still in XX/XX/XXXX PMI FHA insurance is still on my mortgage it has not been needed since I reached the 20 % of loan total value from original fair market purchase price in XX/XX/XXXX. Why am I still paying PMI FHA insurance on something that hasn't been necessary since XX/XX/XXXX I should have been reimbursed or a credit towards principle.
Several checks were issued from XXXX for possible claims reimbursement or some type of distribution of money. These checks were signed by another person and my signature was forged on others and the checks were cashed. After speaking with XXXX, they said it was Chase 's job to create an audit/test the process from the check cashing. Chase also released my personal information after it was changed to another party causing further distress.
Upon my divorce I refinanced my mortgage through Wells Fargo. The payments continued to rise. I recently spoke with a HUD representative who upon review of my documents says it appeared by loan has not been modified under the gov. program. Its was supposed to be an FHA loan. In looking I see that there are many of unsatisfied and even a lawsuit against Wells Fargo for how they processed loans to home owners and not following regulations.
I was paying XXXX I received a letter that I have a shortage of {$7000.00} that I can pay it with in a month otherwise it will be collected XXXX/XXXX/2016. Once during this period you required escrow account balance be reduced to {$1300.00} as shown in XXXX.this amount representative cushion selected by us as allowed by your mortage contract as projected escrow account balance - $ XXXXand my required begging escrow according to this analysis should be {$2300.00} Im in shock how is it that mu payment went from XXXX to {$2300.00} Because
I have contacted Equifax several times to remove my fraudulent inquiry from XXXX. Still it is not removed and it has taken more than 30 days. I sent them dispute by certified mail and they received it on XX/XX/XXXX. I am attaching also a letter from creditor confirming that inquiry should be removed.
I have a XXXX XXXX XXXX XXXX store card. On XX/XX/XXXX I purchased furniture and financed it using a " 12 Month Special Event '' financing. The terms of the financing agreement were that the interest would be deferred for 1 year and the full interest would be due at the expiration of the agreement on XX/XX/XXXX if the principle had not been paid in ful before the expiration. 
On XX/XX/XXXX I paid the full balance of my XX/XX/XXXX statement. This included the remaining " Special Event '' balance in full. XXXX XXXX XXXX allocated a partial payment to the " Special Event '' balance and also allocated a {$27.00} minimum payment ammount to charges made in the future ( XX/XX/XXXX ) billing cycle. The application of a payment towards the current statement ammount to the current balance and future statement, is a violation of the terms of the XXXX XXXX XXXX credit agreement. As a result {$27.00} remained on the " Special Event '' balance on my XX/XX/XXXX statement along with a debit for the entire interest that would have accrued on the " Special Event '' financing. I was able to contact Customer Service on XX/XX/XXXX to get a full refund of the interst. I still had to pay a {$27.00} late payment fee on the XX/XX/XXXX statement balance. Due ot my confusion I did not want to make a payment until I had resolved the huge discrepancy on the XX/XX/XXXX statement. 
To add insult to injury, I am a XXXX employee who was not receiving pay during the entire period that these charges were being sent to me and my attempts to resolve the issue. 
This is, in simple terms, a con or scheme on the part of XXXX XXXX XXXX to confuse their customers into making large interest payments that they are trying to avoid. In the 11 month run up to the final payment being due, XXXX XXXX XXXX never miss-allocated a payment. All of my payments went towards the balance of the current statement. Only on the last month did XXXX XXXX XXXX try to confuse me by miss-applying a payment to a future billing cycle. I worry that other consumers would fall prey to this con. CFPB, pleaes help protect consumers from this scam and others like it.
I have been going through a severe financial hardship these past several months. My income was severely impacted, and I had a hard time making payments. I kept my balance low on my Macy 's credit card and always made my payments on time. My balance as of this writing is {$650.00}. I went on to pay my monthly bill, and received a notification that my credit line decreased from {$4000.00} to {$700.00}. This has dropped my credit score even more, and is not ethical. I have always been in good standing with this creditor, and they have made even more difficult for me now to get back ahead from this recent hardship.
My mortgage was with XXXX XXXX XXXX after being sold XXXX. In XX/XX/XXXX I applied for a mortgage modification due to the downturn in the economy. After 4 years of submitting the same information over and over, I gave up and offered them a deed-in-lieu of foreclosure in return for a {$10000.00} relocation assistance. I was then told I had to go through a short sale period first, which I did. At the end of that time, I worked with XXXX on the deed-in-lieu and executed that on XX/XX/XXXX & I vacated the home on XXXX XXXX as instructed by XXXX.. That document was never recorded, the relocation assistance was never paid, and on XXXX XXXX my mortgage was transferred to Selene Finance . Now I am almost 2 months into dealing with this new company and they are even more difficult to deal with. I have emailed and called on a regular basis ; I receive no replies to emails and when I call I am told it is being worked on, " just XXXX more thing needed, '' etc. I am living with my ex-husband because I can not afford to rent a place to live until I receive the relocation assistance monies. I have done everything I have been asked to do and in a timely manner and I need some assistance immediately. I am XXXX years old and at this rate I will never be able to purchase another home.
I believed the payments would be monthly not every 2 weeks. The amount of the loan with interest would exceed what is allowed by the state of Maryland for a payday Loan. This company seems to be unaware that Payday loans are illegal in XXXX or that they can only be for a specific interest amount. Current interest is XXXX. According to the state of XXXX website the " The maximum interest a small loan provider can charge is XXXX XXXX per month or XXXX XXXX per year '' This greatly exceeds that amount
My information was included in the XXXX 2017 security breach of Equifax. I have requested a 90-day credit freeze through XXXX but received an error when requesting my FCRA free credit report from Equifax to verify its accuracy.
I have requested Experian, on numerous occasions, to update and correct my credit report. Experian has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX XXXX # XXXX XXXX that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX 2017. He can be reached at XXXX.
I 've been battling with XXXX XXXX XXXX since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX XXXX, subsequently XXXX XXXX XXXX  agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX XXXX continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however Experian and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX XXXX 's callous disregard for providing accurate information to Experian and XXXX is truly egregious and Experian and XXXX 's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.
This company sent false information stating that that they presume that from my validation request, which is my right to do, that I do not wish to be contacted about this debt and they will be unable to speak with me. No where did it state in my letter to cease and desist communication. How else will I resolve such matter if I dont speak with them? This is a false tactic on their end
Transunion/XXXX have done two investigation with the XXXX child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. Transunion/XXXX   has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.
Used debit card to pay for brother 's phone as Birthday present. Account debt is being targetted at me.
My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is  XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Experian sent me an alert via my Experian XXXX App stating that I have an account in the state of XXXX with XXXX XXXX XXXX that has been open and active since XXXX ( I  would have been XXXX years old at the time and living in XXXX  or XXXX ). 

I contacted XXXX XXXX XXXX Fraud Department and they performed an inquiry, which came back as showing I have ZERO financial relationship with any form of dba, XXXX  XXXX XXXX. Which is exactly what I expected. 

Concurrently, Experian ran an " investigation '', which came back as being confirmed by XXXX  XXXX XXXX that the account belongs to me. If that were even possible, that would mean that I've had another active ( monthly payments ) account in a state in which I've never resided for the past 29 years! 

This is completely absurd. And there is no way to get a hold of a live representative at Experian since everything is automated. And the " system '' apparently inputs bad data and spits out errant results.
In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via Experian and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.
They will not verify the account its a secound hand account which was with XXXX which I canclled and payed my bill in full due to XXXX not keeping their contract with me about the rate I would get for 3 months due to their promo offer. 
A company named Diversified Consultant most have bought this bogus account from XXXX XXXX and they want respond or show proof of this debt being mine.
I have been with BOA for 21 years, during that time I had a checking acct linked to a line of credit. A week ago the bank discount the line with informing me, I found out when my wife went to the store and her card was reject for lack of funds. She informed me I went to the bank, they said my line was disconnected and they ca n't reconnected it back. I asked why they '' we do not offer that service anymore, although we disconnected it and it a bank error, we ca n't fix it! '' I have spoken to various people in the bank, no one will help me!!!! 
I asked the if they did away with all acct like this, they said no if you have it you are grandfather in. I said if I had this service for 21 years and the bank disconnected it out tell me why ca n't reconnect the line, it is still open. the response I got was unbelievable " we will not do it and that it! '' How do I get this resolved??? I want my line hooked back up to my checking acct. I call the executive branch of bank of America, they said they will not do it Thx XXXX XXXX
I rented the apartment from them. We moved out and we left the apartment clean. They never send me my deposit to me. I want to know why they are still on my credit report.
XXXX  is reporting an old XXXX XXXX account on my file and it needs to be removed. It does not belong to me. Recently, I was mailed a letter from XXXX XXXX that got wet in my mailbox due to heavy rains in my area. It indicated due to the age of this account, it will no longer be reported and it has been removed. XXXX refuses to remove this account.
I live in XXXX. The debt that the debt collectors are trying to collect on is debt from XXXX XXXX. I have not lived in XXXX in over twenty years. Me and my son have the same name and the debt that they 're trying to collect on is my son 's debt. I have stated this to them and I have also told them that me and my son at this current moment do not have any contact with one another but they are still calling and trying to send documents to my home to collect this debt.