WillisBack/dataset-financial-user-claim huggingface dataset:
My employer sent a check to the address provided by Navient, the servicing company of my loan, back in XX/XX/XXXX. I know the check was cashed because the money was withdrawn from my employer 's bank account. However, the money was never credited towards the balance of my loan. My HR rep and myself have called Navient quite a few times. The last person I talked to said she had no way of knowing if the check was cashed or where the money was, but suggested it might be sitting in a federal reserve account for lost money. She said that it was really the Department of Education 's problem at any rate.
My credit limit was lowered from {$11000.00} to {$6200.00} and when I questioned this vie letter on XX/XX/2018, a hard inquiry was placed on my credit report. This is not the same as requesting for credit since it is because of an action you took. I have been a good customer and never missed a payment on any Bank of America account. I even made a large payment of {$2500.00} on XX/XX/2018 that I now wish I didn't made if I knew my credit limit would be lowered. Even though my credit report shows negative accounts, these balances involve transactions I disputed. With the balance at approximately {$6000.00}, its obvious my limit was lowered to just above that amount. Now it looks like my card is maxed out instead of 55 % used. I shouldnt be penalized for my history with other creditors.
Complaint number XXXX was filed with your office regarding a new loan that Ocwen disbursed on my account that was requested by me, I never signed the loan documents and apparently did not get the credit for the loan disbursement dated XXXX/XXXX/XXXX in the amount of XXXX. When Ocwen responded to complaint number XXXX they did not address the loan disbursement or the new loan number XXXX. We have asked Ocwen 's foreclosure attorney to validate the debt that it is attempting to collect on Ocwen 's behalf and they have failed to do so to date. The only response that was received was a copy of the XXXX Mortgage Promissory note a copy of the deed of trust and the order permitting the XXXX XXXX, XXXX foreclosure. We asked for amounts claiming owed to the foreclosure attorney and we did not receive a response. The foreclosure attorney, through a XXXX XXXX XXXX notified me that the sale scheduled for XXXX XXXX, XXXX will be held. To date XXXX and XXXX 's website shows that the sale will be be held tomorrow XXXX. We have no information regarding the validity of the loan disbursement and requests for payments related to loan number XXXX. A representative in Ocwen 's office informed us today that the Ocwen as the servicer is the same as the creditor and that the loan disbursement was paid by the previous servicer when the loan was transferred.
On XX/XX/2016 I started my dispute with Trans Union regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Trans Union did not delete any records and responded that all were verified but they did not provide any documentation verifying my signature and provided no evidence of how it was verified. I then sent another letter on XX/XX/2016 to Trans Union to validate this information and provide me with copies of documentation associated with these accounts. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Trans Union did not delete any records and responded that all were verified but they did not provide any documentation verifying my signature and provided no evidence of how it was verified. I 've attached my letters to the credit bureaus, their correspondence, certified letter receipts, identification verification, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy and tax liens removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against each agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.
NCB Management Services Incorporated is currently collecting a debt for XXXX different original creditors. XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX XXXX Bank who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina XXXX see attached ). 

Neither XXXX XXXX XXXX nor XXXX XXXX is the original creditor as claimed by NCB Management ( see attached ). On XXXX/XXXX/XXXX, I asked NCB Management Services , Inc., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. XX/XX/XXXX ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, NCB Management Services XXXX Inc., claimed that XXXX XXXX XXXX was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, NCB Management Services XXXX Inc., provided me documentation which did not mention XXXX XXXX XXXX as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.
Over the past few years I 've been disputing an outstanding collection on my credit reports with  XXXX  and equifax. The situation is i purchased a cellphone from  XXXX  through   XXXX   XXXX    XXXX   0f 2014. I  was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to  XXXX . Down the line a receive mail stating I owe  XXXX   XXXX   XXXX  for something that i returned and do not own. I returned to best buy to get a copy of the retiring receipt which i forward to the collection compa ny (   XXXX   XXXX   XXXX  and the  Reporting age ncies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.
I have been asking EQUIFAX for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ) I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! ALLEGED DEROGATORY ISSUE : Provider Claims Late Payment not yet proven.I would like to see proof these accounts belong to me ATTACHED TO THIS COMPLAINT.THEY ARE NOW IN CONTRACT WITH ME AN IF THEY CONTINUE TO REPORT THESE ACCOUNTS THEY NEED TO PAY ME.I HAVE ATTACHED PROOF NONE OF THESE COMPANIES IS LISTED ON A UCC11 AS A LIEN HOLDER.
XXXX  XXXX XXXX XXXX The account is reflecting an Unknown Status. The Account should reflect a XXXX  balance. Also the Credit Report is stating that I was late in XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. 
This account was never late. I was placed on an FHA INSURED LOAN MODICATION PLAN THAT INCLUDED THE FOLLOWING DATE XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. The FHA plan started from XX/XX/XXXX and renew the plan on XX/XX/XXXX. I ATTACHED A LETTER from XXXX XXXX XXXX of the INFORMATION TO SUBSTAIN BY ENVIDENCE THAT THE LOAN WAS NEVER LATE. 
Please remove late status from my XXXX Credit Report. 
Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I am receiving calls from Conn 's Appliance Company at least 12 times per day which is ridiculous. I was late on my XX/XX/XXXX payment however, the payment was sent. I have had an account with them for over 3 years and this is the first time I have EVER been delinquent. I was late because of fraud on my bank account that has taken a while to get resolved and I am still in the process of that.
Plain and simple : Scottrade has enormous hidden fees and cost me over {$200.00}. 

I opened an account with Scottrade a while ago and the branch manager that assisted in the account opening pretty much swore that the only fees are the {$7.00} per trade. Well that could not be more false. The additional and hidden fees at Scottrade are enormous and Scottrade does charge more than {$7.00} per trade. 

What is most worrisome is that Scottrade could not explain each one of these fees for me and instead repeatedly asked me to call the national center for advice. The national center could not answer them either, only stated that they would get back to me within a week. 

Well, it has been a week and I have still not heard of any explanation to the fees and whether I will get any reimbursement to my account. My advice to others, do n't be a victim of this company and take your money elsewhere.
Hello, I want to address an issue I had with XXXX mortgage company ( finance if America ) and my loan agent. When I started the process of finding a loan, the loan agent was extremely accessible and professional. However, once I had my loan rate locked in, problems started arising. The loan agent became extremely rude and difficult to get a hold of. He kept telling my realtor via email that he is in a meeting or training and never returned mine or my realtors calls. I was told 3 days before the close of escrow that my loan will not be approved since I did not make enough money last year, due to being on XXXX XXXX. The loan agent told me he has to add points to approve my loan, which was an additional {$1700.00} that I did not anticipate paying. This also delayed my escrow and I closed late.

I do not understand how this happened, as I had sent all my documentation and income statements before I signed the original loan rate contract. This should have been verified from day one, not 3 days before close of escrow. At that point, it was to late to change mortgage companies.

When I find out they were changing my locked rate 3 days before close of escrow, I was so disappointed, I emailed the loan agent and demanded to speak to his supervisor. The loan agent told me that he forwarded my email to his supervisor and if his supervisor chooses to call me back, then he will. I of course never heard back from any supervisor.

The tactics used were unethical and unprofessional. They forced me into a situation that left me with no options. Either accept the terms or lose my {$17000.00} deposit and then not have an immediate home for me and my XXXX children. I did my research and this mortgage company had good ratings. However, my loan agent used substandard practices with deceptive techniques. This company reduced my chances of acquiring a new home.
XXXX XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file that I do not owe. This debt is also past the statute of limitation. XXXX XXXX   and XXXX XXXX are in clear violation. They can not double report the same debt on my credit file.
In late XXXX of 2017 I requested a balance transfer from my Comenity Bank Visa card to pay off a high balance on another credit card I have. On XXXX XXXX, 2017 the charge posted to my Comenity Bank Visa card account however, as of today ( XXXX XXXX, 2017 ) they have never sent the money to pay off the other credit card. I have tried to resolve the problem with several phone calls to Comenity Bank but no one has been able to give a reasonable explanation of why they are charging my credit card account without actually sending the money to pay off the other credit card. I have also sent them a written dispute of the charge but have received no response yet.
Facts pertaining to Capital One Auto Finance Originated loan in XXXX of XXXX Filed for Chapter XXXX XXXX XXXX, XXXX Car loan was included in the plan and Trustee made higher payments than the regular payment on this debt. All bankruptcy payments made on time as agreed up to the time of payoff due to accident in XXXX XXXX XXXX XXXX car was totaled in an accident Obtained a payoff and insurance paid the amount and title was released Filed for voluntary dismissal of in XXXX of XXXX due to divorce Pulled a credit report and settled all debts in XXXX and XXXX of XXXXPulled an additional report to see the paid accounts in XXXX XXXX that 's when a balance to Capital One showed up Capital One was showing a balance of over {$7500.00} Disputed with them because there was a payoff settlement Due to a " cram down '' of the interest they said I still owed interest since the Chapter XXXX was not discharged Settled with them for a lesser amount I was never contacted by Capital One about the amount owed prior to the credit report that I pulled in XXXX XXXX I was never 30/60/90 days late in XXXX because this was a debt I was unaware of and I settled the debt once I realized the loan was not paid off when I had the accident in XXXX. This is how this debt is currently reporting to the credit bureaus 30/60/90/CO/CO/CO/CO from XXXX XXXX XXXX Hide original message I am being unduly harmed by the negative reporting of this loan in XXXX item should be removed from my report all together as I have acted in good faith and the negative reporting is not truly reflective of the situation. I will be penalized for this well beyond the Chapter XXXX reporting as it stands. This item will not automatically fall off my report until XXXX of XXXX. This is EXTREMELY unjust. I have paid my dues with this. I am continually declined credit and charge higher than normal interest rates because of this.
Citibank Student Loans- They do not provide any information on how long I have left to make payments on my loan. The loan details only show me the original amount of the loan, the current payoff amount, my interest rate, and my monthly payment amount. There is nothing I can find as to how many months/years I will be making these payments until I have the loans paid off. I even tried calling to speak to someone ( which every time I hit " 0 '' it said that was not an option and just kept repeating my next payment due date ). There is not even a way for me to view any actual statements online and I do not receive any in the mail. My address is up to date. They make it very difficult to get information, and find details about how I can get the loans paid and when.
XXXX closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue
XXXX XXXX XXXX has inaccurate in their accounting records, and has admitted fault publically on their website. Unfortunately, I was apart of their miskept payment records. I have received numerous calls, letters, and even emails excessively even after " clearing '' it up with more than one rep. One rep would say I missed a payment for a month, then come back and tell me she was incorrect and that I in fact was current. I would then receive another call, only days later, telling me I missed payments from months like XXXX and XXXX, ( as she 's calling me in XXXX ). I advised her that I have made sufficient and overpaid. I even sent reciept of those payments and still received calls. Now, most recently, I spoke to a SUPERVISOR and he was also inaccurate with his track records, I reminded him that their lines are recorded and we can simply check them to clear this up. He said he would transfer me to someone and hung up. Never called me back. I called him back immediately, no answer. I left a voicemail, no response. I think they are pro-longing things and keep finding reasons to put me in the wrong rather than admitting they had account issues and that they actually do not know the balance I owe. To avoid court and unnecessary stress, I would like to resolve this with them right away. None of their reps want to take the time to fix this. I will also upload what their insufficient response message looks like, stating they " have already responsed ''
Ive contacted XXXX XXXX in regard my loan status and why payment hasnt posted. Ive checked my bank account and XXXX payment to cover XX/XX/XXXX didnt go through for unknown reasons. I received a notification from my credit report that a new account has been added to my credit file and posted as delinquent. So you know, my bank account hasnt changed and like I stated before, reasons why payment didnt go through are unknown to me. Please correct problem and update my account with credit reporting agencies because you're hurting my credit and score. That payment shouldve been deducted automatically from bank and it wasnt. 

I've also contacted XXXX XXXX several time after that first issue and payment has been set up for deduction, only never leaves my account. I guess there's an exiting problem with my account from XXXX XXXX 's end that prevents me from making payments or for them to take them out. 

Attached all communication about problem and how many times I tried to make payemnt.
Experian is reporting my first name as " XXXX '' and last name as " XXXX '', although I have provided documentation to verify my identity. My first name is spelled with one XXXX and I have never had the last name " XXXX ''. I have called them and written them letters, yet they refuse to remove this erroneous personal information from my credit report. I do not understand this. Attached is my identifying documentation that substantiates my identity. I have also attached their erroneous reporting.
XXXX   XXXX     XXXX   XXXX    ak  a fnf servicing inc  misapplied a large payment in  XXXX  I sent {$15000.00} which was by cashiers check I clearly denoted that  XXXX  of the total amount was to be applied to a balloon due  X/X/2017  I also included a letter with the same instructions the bal was to normal principal of the loan per my instruction my loan number is  XXXX  this company did not apply payments to the loan correctly as I recd a bill for the balloon installment dated  X/X/2017  also fnf servicing refuses to provide payoff information without a written request to the borrower causing significant delay and interest to be charged this is not acceptable when anyone is trying to payoff a loan and has borrowered money elsewhere to do so no one needs to pay interest to  XXXX  lenders
I was contacted by a debt collection agency for a past due payday loan. We set up a payment plan which I have followed since XXXX 2015. On XXXX XXXX, 2015 a payment was deducted from my account. My account should be paid off ( debt settled ). I attempted to contact the agency by phone in which I got no response. The contact number I have always used was disconnected and other phone numbers for the agency were disconnected and/or only had a recorded message. It is as if the agency has disappeared.
I sent a letter to Trans Union over 30 days ago about an account that is showing on my credit report that is n't mine. I have attached proof that the account is n't mine but I have not gotten a response back from Trans Union and they still report the fraudulent account on my report.
An item I purchased using my American Express credit card was returned which created a credit on my account. Since I had a XXXX  balance, I contacted American Express and requested that this credit be refunded to me. They refunded the credit of {$290.00} by directly depositing it into my Checking/Savings account. A couple days later while reviewing my account, I noticed that I now had a {$290.00} balance and the transaction was coded as a " DB ADJ CREDIT BAL REFUND ''. I immediately contacted American Express to inquire about this charge that had posted to my account. They told me that this error would be corrected in 24-48 hours. The following day, I received a check # XXXX dated XX/XX/2018. I contacted American Express and asked them if I should destroy, or return the check. I was advised to destroy the check as they had already started a stop payment. After the 48 hours expired, I still noticed that my account still reflected a balance so I contacted American Express once again. I was then told that they would have to do an investigation and that would take 6-8 weeks. I explained that this time-frame is unacceptable because it would appear that I was using available credit which in fact I was not and my balance with them should be XXXX. Additionally, I explained that this was their error and why should my credit history be subject to this AMEX error. In addition, I did n't want a finance charge or any fees resulting from their error as my balance should be XXXX. I asked them why my account did not reflect the credit reversal within the time frame that I was told. AMEX keeps giving me different timeframes of when this will be resolved.
Tuesday, XX/XX/2018 On attempting to pay for an item at Michigan 's XXXX XXXX XXXX in XXXX on XX/XX/2018, Monday, my check was declined. No explanation was given. 

What confounded me was the fact that I was able to complete a purchase with a check approximately one hour previously, at the Michigan 's XXXX XXXX XXXX in XXXX Michigan. 

I immediately contacted my financial institution and was told there was nothing wrong with my checking account ( as expected ). I have excellent credit and certainly had the funds to cover the check, so I went online to inquiry from the company that XXXX XXXX uses to certify check information : https : //www.askcertegy.com/CheckSearch.jsp After entering my complete information, it said it could not find the check!? Upon further investigation, I find that I'm not the only person whose check was rejected without warrant. 

https : //www.consumeraffairs.com/finance/certegy.html Here is the information that was provided on my receipt after purchasing the item with my credit card ( which was approved ) : " DEAR XXXXXXXX XXXX CUSTOMER : We are sorry that your check could not be authorized. This decision was based, in whole or in part, on infor mation provided by Certegy Check Services. Inc. Pursuant to the Fair Credit Reporting Act. you have a r ight to a f ree copy of your file ( i.e. Consumer Report ) from Certegy for a period of ( 60 ) days following the date you receive this notice and you also have the right to dispute the accuracy or completeness of any i n f o rma t i o n i n t h e fi l e. I n i t s r o l e as a consumer reporting agency.

Certegy did not make the decision not to authorize your check and is unable to provide you with the specific reasons why this action was taken.

However, in its role as an author ization service for our company.

Certegy can provide information to y o u. To r e c e i v e t h i s i n f o rma t i o n o r to obtain a copy of your file, please cal1 : Certegy Customer Care Line at : XXXX o r w r i t e XXXX XXXX XXXX XXXX. FL XXXX THANK YOU FOR SHOPPING AT XXXXXXXX XXXX! 

Please investigate this company " CERTEGY '' Thank you
Bank of America is over charging me overdraft fee on a payment which was XXXX XXXX,2015 and it was paid XXXX XXXX 2015