WillisBack/dataset-financial-user-claim huggingface dataset:
Received phone call XX/XX/2018 from a rep from XXXX XXXX XXXX stating that my file was in the legal department and the next was to sue me for an unpaid debt. After expressing and providing proof of my lawsuit of me suing XXXX XXXX XXXX that closed my accounts and withheld my wages. I paid payments and this company still decided to send me to collections. This is now preventing me from getting another job. This needs to be put into law that creditors can not put this on your credit when trying to obtain employment. They were also aware of my situation also that i was constructively fired from XXXX XXXX XXXX as well. After making payments even in light of this information they still sent me to collections, again as banker my credit should not be affected due to no fault of my own thereby preventing me from getting a job that would help me to pay this off. The next step is court!
I purchased a vehicle and XXXX XXXX XXXX, financed it. I made all of my payments on time, and paid the vehicle off sooner than the projected pay off date.I received a letter in the mail from Ally stating that during the year that I was purchasing my vehicle, there was over payments made by purchasers. There was a settlement and consumers will be receiving a portion of the settlement. I received a check in the amount of {$310.00}. I lost the check while moving and recently found it. The check was written in XXXX. I contacted Ally Financial and explained this situation to them, and I was told that is will not be a problem replacing the check. i was told to send a copy of the check, along with the last four digits of my social. After 3 weeks passed and me not hearing from the company or receiving a new check, I reached out to them again. The second time I spoke with a different representative, she told me to give them a couple of days to make sure that the check hasn't been cashed. I gave her all of the information on the check. She also told me that if I haven't hears from them in two business days that, that mans everything is good and they will send the check out. This was a month ago. Tuesday, XXXX, XXXX, XXXX. I called Ally Financial again to find out what's going on with the check, that i haven't received. Of coarse, I spoke with a different representative this time. I explained everything to her, and gave her the reference number that was given to me, ( XXXX ) the last time I called. I was put on hold 3 times for 3 to 4 minutes each time, while she went to " speak with her supervisor '' about this matter. The representative came back to the phone the last time she put me on hold. She told me that she spoke with the supervisor, and that the supervisor said that the check number ( XXXX ) was not a check from their company, and there was nothing that she could do.
incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.
On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on 1099-A. The 1099-A is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.
I have XXXX Judgements on my Equifax report. XXXX and XXXX already investigated and deleted months ago. Equifax claims to have completed and verified the investigation however, I have documentation from the courts these cases have been dismissed and or vacated. I have sent this documentation to equifax on more than one occasion and they refuse to properly investigate. I have also sent a letter from the courts stating they do not and have never reported any information to any of the credit bureaus. Equifax is getting their information from somewhere else. I want this resolved as well as reported to the FTC in regards to Equifax not investigating and refusing to remove items that were not ever reported to them by the courts. I want them to pay fees for breaking federal laws and false reporting
I did not receive a payday loan from anyone! I keep getting emails from ACE stating they are going to contact my place of employment and sue me ... ..I never applied or received a pay day loan!!!!!
Repeated attempts to cancel an XXXX XXXX account were ignored. They continued to bill even though they were notified that the account was not wanted and that their equipment was not operational at all for months and perhaps years prior. I completed XXXX 's request to receive the account holder 's death certificate in order to complete the cancellation of the account as well as receive the refund they stated they would send for amounts paid since the death of the account holder. But XXXX still sent the account to collections. So this complaint is to XXXX XXXX XXXX as well as the collection company that accepted the account for collection as the so-called debt does not exist and in fact an amount is owed to the account holder 's estate. XXXX needs to allow accounts to be cancelled when it is requested to be cancelled and not continue to bill for services it is not providing. The CFPB must step in in this instance to cease this behavior as I 'm sure this is not the only instance of them continuing to bill for services that are not being provided and continuing to bill after they have received a request ( in this instance many requests ) to cancel the service. Otherwise, consumers will continue to be harassed with being billed for services not received and not wanted which of course is absurd.
I am an XXXX XXXX XXXX man living at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My son lived on the same property in a separate structure, but we shared our mail box at the XXXX XXXX address. My son, died XXXX. He had cable, phone and internet in his name with XXXX XXXX and paid the service monthly and I paid for my own cable for my house with XXXX XXXX XXXX. When he died, I turned off the service with XXXX XXXX immediately, and told them he was deceased. I gave them my name and told them I was his father. My son was on XXXX when he died. XXXX XXXX continued to send bills in my dead son 's name and my name. I sent all XXXX XXXX bills back to XXXX with recipient is DECEASED written on the envelope. On XXXX/XXXX/16, I received a bill from Progressive Financial Services in my name ( XXXX XXXX ) for a XXXX XXXX bill stating I owed {$680.00}. I have not subscribed or ordered XXXX XXXX, my cable and internet provider is XXXX XXXX XXXX. Please help me with this financial injustice.
On XXXX XXXX, 2017, I requested validation of this debt, including a contract bearing my signature. On, XXXX XXXX, 2017, I received a copy of a bill as validation. ( Attached ). This is not a contract signed by me and the balance owed states " {$0.00} ''. They are also reporting the incorrect dates on my credit bureau reports. The date of last activity by me, is XXXX XXXX, 2017. The other activity is by insurance and them! This is illegal, as this re-ages the account.
Through XX/XX/XXXX, I was making monthly payments to PHH Mortgage Services in the amount of {$2300.00}. My payment  included escrow for taxes and insurance. In XX/XX/XXXX, I was notified that my payment was increasing to {$18000.00} based on an escrow analysis that was completed of my account. In XX/XX/XXXX, I stopped making payments. 

In XX/XX/XXXX, the loan was transferred to XXXX XXXX. I have obtained a document where PHH claims to have paid {$330000.00} from the the escrow account on my behalf. The loan was transferred to XXXX with a negative escrow balance of approximately {$140000.00}. 

I have obtained a payment history from the DC Office of Tax and Revenue ( OTR ) that shows they have received {$260000.00} in tax payments dating back to the date that I purchased the property in XXXX. The bulk of these payments have been made by XXXX ( approximately {$260000.00} ). 

I believe PHH Mortgage Services transferred the loan with false documents. I am also being charge interest and penalty payments in the amount of {$70000.00} during the period that my loan was current.
Got behind on modified mortgage payments. Received letter from SLS, LLC to catch up all payments or will go into foreclosure dept. on XXXX/XXXX/16. So we set-up an Informal Payment Agreement Plan. Have made two payments so far. They keep calling me aggressively. 
1 ) Can they demand that I set-up my checking a/c with automatic withdrawals until I catch up? Also stated that phone calls would end only if they can secure my checking a/c! 
2 ) Can I get the Informal Payment Plan in writing Thank you.
I have an auto loan with Toyota. My monthly payment is XXXX. I have had this auto loan since XX/XX/XXXX and have mostly paid by the due date. There have been a few times that I have made some payments past the due date but I have never been 30 days late. The few times I have had to make the payment past the due date has been because I worked 3 jobs and do not always get enough hours during the month to pay the car payment immediately and have to wait until my next check to pay the full XXXX.Despite this, I always have paid every month and have never been 30 days late. Last XXXX, I didn't work at one of my jobs for two weeks because my employer didn't need me. I knew I would need to wait a few weeks to make this car payment so I called Toyota. I told them I would need until the end of the XXXX but didn't want to be 30 days late on the XXXX  payment. The representative helping me said that I would be ok until XX/XX/XXXX as XX/XX/XXXX was a holiday and wouldn't count as a day. I made the payment on XX/XX/XXXX.XXXX payment was marked 30 days late despite the information that the representative told me when I spoke to her over the phone.
I am honestly not sure what this is for but my insurance covers XXXX percent of everything. Maybe you should include more information when sending someone a notice.
I have contacted Transunion to get unauthorized inquiries removed from my report, I was told to contact the company who initiated it .... The company then told me that since there was no file / account with them that they had no record and could n't assist in the removal process. 

I received a copy of my credit report and the credit report show credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order These are the unauthorized inquiries I discovered on my report, please remove them immediately as my consent was not given for them to access my information. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern :  I c ontinue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
I received an email notification from Capital One of an email update I never made because my access to the account is STILL blocked from my use. 

I file a complaint this afternoon with this Bureau, CFPB and, approximately 2 hours later, I receive this notification which is harassment as I have absolutely no access or have accessed the account since before XX/XX/XXXX, when I discovered Capital One and one or more operatives conspired to block my access to the account. RICO. 

Duly noted on the record, and for the record, retaliation, intimidation, electronic stalking, both civilian and federal, under XXXX of law, authority and title violations to add to the potential forthcoming document claim for the court of record it appears.
I have given this company my money they still have my title saying I owe XXXX $ when I finish paying off this loan in XXXX 2017
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX , Chapter XXXX  Bankruptcy Discharged XXXX
Seterus has been notoriously slow in processing my client 's loan modification. My client was approved for a HAMP trial modification back in XXXX XXXX to begin XXXX/XXXX/XXXX and end XXXX/XXXX/XXXX. He completed the trial successfully. It then took 5 months for the borrower to receive permanent modification documents. We signed and returned them in the beginning of XXXX XXXX. Ever since, I have been trying to ensure the modification is processed and finalized before closing the file of this case. I make weekly calls to Seterus and each time I call the call is at least an hour in duration, most of that being time on hold. Needless to say that we still have not reached a resolution. In my latest phone call today I was told that during the drawing up of the modification documents there was an error with the title portion, that is potentially going to force Seterus to redo the mod documents and my client will need to sign and return the documents again. My first problem with this is that if it took them 5 months to draw up the documents manually in the first place, then how could there be an error and why is it taking MONTHS to correct this issue? Every time I call Seterus about this client, I always speak to someone different and no one ever gives me any answers. I find this very discouraging to my client. He is elderly and thought he was finally at the end of this process. only for the delay to continue for no reason.
Paying off an installment since XX/XX/XXXX, I have had some issue paying on time due to lags in employment and low wages. I was able to get my bi weekly payment date changed to coincide with my new job, starting XX/XX/XXXX. I paid on time on XX/XX/XXXX and was notified via email by the company on XX/XX/XXXX that my next payment was due on XX/XX/XXXX. They deducted the amount two days early on XX/XX/XXXX. I did not have the funds to cover the amount and now have a negative checking balance, which is increasing due to over draft fees daily. I have no money to eat, travel, or pay other bills with as this will take up a big chunk of my paycheck on XX/XX/XXXX and will result in me being late on my phone bill, due this month and my rent due next month on the XX/XX/XXXXXXXX. I contacted the company via phone and was told there was no reason as to why the funds were taken out early and that it could take days to sort this out and I was denied a definite yes or no on whether or not they would pay overdraft fees. I was also not given a time frame towards any solution. Just an email to send copies of my bank statements. Please help as soon as you can as I have no money and way to get to work after today. I was also told that my next payment date of XX/XX/XXXX still stands. I mistakenly took out a smaller, payday loan in an attempt to act as a buffer, but it did not come in on time and was too low, now I have that to deal with as well.
XXXX Transfer my loan to SLS. SLS does not acknowledge my XX/XX/XXXX payment, I did make my XX/XX/XXXX payment and I have not received any statements since XX/XX/2016. Similar situation happen when XXXX transfer my mortgage to XXXX, and that episode ended in a fraudulent foreclosure.
I am not a attorney, so maybe I did not explain my case well enough, if you all look at the XXXX on page XXXX under count XXXX, number XXXX, clearly said the " Due to an inadvertent clerical error, the Mortgage was never placed of record with the XXXX County Kentucky Clerk 's records and the original Mortgage has become lost. " If the original Mortgage has become lost, then how can you filed a assignment of Mortgage on XXXX XXXX, XXXX and also it was signed and prepared by XXXX XXXX by OCWEN office, so when I said OCWEN falsify the document, it mean using a copy or some other way to make it legit to file a law case. I pray the CFPB will look into this, so it will not happen to other people. 
recently, OCWEN wanting to file a law suit, so OCWEN falsified a copy of old mortgage paper, and ask XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) to file a assignment of Mortgage Electronically. They have violate the law and also, lost trust in the system, XXXX have abused the Electronic file system. according the law, XXXX 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 XXXX clerk office, and you can also look at the date they file, it was there first filing on XX/XX/XXXX. and the Mortgage date is XX/XX/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, XXXX 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 Legal procedures.
I have mortgage with Wells Fargo for a rental property that I own with XXXX other partners ( we are an LLC, but the mortgage is " personal '', in that it is not in the name of the LLC. One of my partners in the business is the primary " money '' person, so he is the one that mails the check to Wells Fargo. He made an honest mistake. In ordering new checks, he mistakenly changed one of the digits on the account number of the checks that he reordered. He send out all his bills, and then started getting notices back from his creditors that the checks were invalid. Recognizing his mistake, he reached out to every one of the creditors that he knew got a bad check and let them know what happened. He was told by Wells Fargo that everything was fine and there would not be a problem. I personally can monitor this account from my online account, so I happened to notice that " all the sudden '' the mortgage account was over 30 days in arrears and in the same amount of time, my credit took a XXXX + dive. They dishonored the check ... which put the account XXXX days over due ... prompting them to ding my credit score by well over XXXX points. There was a letter sent out to the primary account holder ( my partner ) which he did not receive until well passed the due date and grace period of the mortgage. As soon as I saw the error, I paid the overage out of my own pocket. I contacted Wells Fargo, as did my partner and explained the issue. They told us that they would be working on a resolution to the issue and get back to me after 15 days. I have not heard anything from them, and I want to resolve this.
Kohl 's is saying I submitted the same payment three times. Yesterday when I checked my Kohl 's Charge Account, there was ONE pending payment of {$27.00}. I then submitted a second payment of the rest of the balance because it only showed I had ONE pending payment of {$27.00}. Now they took that amount out of my account THREE times and refuse to give it back to me until all the payments are processed and I have basically " overpaid '' them. Now, I can not even get into my account because the website is saying " The site you are trying to access is currently unavailable.

We're sorry for any inconvenience this may cause. '' I find it very unethical the way they accept payments! If they are going to tell me I submitted a payment three times, then it should show accurately in the payment screen so customers don't get manipulated into paying more than they need to, or they simply take out more money than you authorize which is so illegal. I have tried contacting them twice. The first time I talked to a supervisor and apologized for the system glitch and they would send me a check as soon as everything posted. The next representatives were VERY unprofessional and putting all the blame on me saying that they see three payments and they don't understand what I'm saying. I told them all I only submitted the payment ONCE and they are saying I didn't if it's showing three times!! I keep a spreadsheet of my budget for 6 months at a time to keep track of my bills and I am very responsible at paying them on time and knowing how much to pay. So not even your call centers are telling me the same information..one says system error and the other fully blames me. Excellent customer service ....

The girl on the last phone call assured me that she only sees one pending payment of the remainder of my bill. I will be filing a police report if that charge comes out three times too!

I can not believe Kohls is doing this to its customers! I'll find somewhere else to shop and cancel my account after this is all figured out.
On Saturday morning XX/XX/18 I went into the XXXX XXXX branch to cash a check for {$44.00} and withdrawal an additional {$150.00} ( This was all posted to XX/XX/18 due to the XXXX XXXX   holiday. I was checking on my account on the morning of XX/XX/18 and noticed a pending {$500.00} debit. I went into chase as soon as they opened ( XXXX ) and spoke both to a accountant on the floor along with the branch manager eventually. I said that it looked like there was a fraudulent charge on my account. The accountant notified me that it was not fraud it was a bank charge for investigation results. They told me that the {$44.00} check was cashed as {$540.00} and that they gave me that in cash on top of {$150.00} withdrawal. I explained to them that I did not receive that money that I only received {$190.00} and that I needed this resolved and they needed to show the camera footage of this transaction. On the morning of XX/XX/18 I received a call from the branch manager informing that they reviewed the footage and it shows the teller person counting out the money putting it into an envelope and handing it to me. I told her that that is not possible I never take an envelope for money I get and I did not get the {$500.00}. I told her that I wanted to see the footage she declined and said I would have to get it legally. I tried to file a police report with the XXXX XXXX Police but they said this was civil. I only get XXXX which takes everything I receive to get till the next month 's payment. Allowing Chase Bank to steal {$500.00} from me will be devastating. Just a thought - If I had video proving my stance on a issue like this one why would any organization not show it to prove they are correct beyond a reasonable doubt unless they needed to hide something? Why take the chance of losing a customer or many?