WillisBack/dataset-financial-user-claim huggingface dataset:
I was in the process of disputing a debt with a debt collector AFINI. AFNI XXXX XXXX XXXX XXXX, IL XXXX RE : XXXX / {$170.00} - I sent them a request via certified mail on XX/XX/XXXX to validate the debt. - They were unable to provide any documentation or proof that the debt was indeed mine. - I followed up via mail again with " failure to respond '' and received no response from them. - I sent them one more letter via certified email on XX/XX/XXXX as they were not following the stipulations of the law and requested they remove this debt. It is not mine and they are unable to provide me with any documentation or proof to show otherwise. During this dispute process I can only assume that AFINI ( unable to provide proof of the debt ) sold it to a new debt company to cut their losses. This new company ( XXXX XXXX XXXX, XXXX ) has now started to reach out to me. This is unprofessional and an inconvenience to me. While working on trying to resolve this with AFINI they have inconvenienced me even further. Instead of doing their due diligence they just passed it on to someone new. I will now have to start the dispute process all over again with this new company.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or might of being issue with the bank doing a transfer from savings to checking account. But i'm shocked and I can't believe how this is possible.
On or about XX/XX/XXXX, I entered into a Short Sale with Nationstar. The home was listed at XXXX however, my realtor secured a all cash buyer on XX/XX/XXXX for XXXX. 
Nationstar drugged their feet in a effort to punish me because of my earlier legal actions against them which resulted in a reversal of their foreclosure. Nevertheless, 5 months later Nationstar began requesting updated information and the buyer went a extended vacation overseas, and was unable to be reached to provide updated bank statements to Nationstar. This situation was explained to Nationstar who was in possession of XXXX XXXX dollars verified funds. My realtor requested a postponement for the upcoming foreclosure sale, which Nationstar granted, however, they still proceeded with the foreclosure sale and asked that we disregard the previous message " sorry ''. I also recieved a Notice of a Foreclosure Sale which was not for my property nor was the Notice in my name. No one bidded at the foreclosure sale and Nationstar took it back for the original price of $ XXXX. I feel this was a effort by the foreclosure company and Nationstar to further confuse me. Nationstar has not re-listed the property for sale, however, they have changed the locks so I can not gain acessess to the home where I have at least XXXX worth of my belongings there. 
Nationstar nor their agent ( who does not have a listing agreement ) have possession of the property. California law regarding possession is quite clear.
On XX/XX/2018 a certified letter was sent to XXXX XXXX C/O XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC  XXXX asking if they could validate this debt that they said I owed. I also contacted XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX in trying to have this matter resolved but no answer
I had an error on my credit history for XXXX 2016, it showed a 30-day late payment for XXXX XXXX, which has subsequently been fixed by XXXX XXXX. This was an error that has been fixed with the updated information send to the XXXX credit bureaus by XXXX XXXX on XXXX XXXX, 2016. I was told it may take XXXX 45 days to show on my credit history. On XXXX XXXX, 2016, I checked my credit history and XXXX was the only one that made the change, while Transunion and XXXX have not made the change yet. I contacted XXXX credit bureaus and I was told to send the letter I had from XXXX XXXX stating dated XXXX XXXX, 2016 that stated the following " ... we have submitted a credit correction request to reflect the above referenced mortgage account as current ; paid as agreed for XXXX 2016. '' I uploaded this letter to XXXX indicating what had happened and to please correct the information for XXXX 2016 for this creditor, XXXX XXXX on XXXX XXXX, 2016. I send an overnight package to Transunion with a copy of the letter on XXXX XXXX, 2016 through the USPS. I received a letter from Transunion dated XXXX XXXX, 2016 and no changes were made for this creditor. No explanation why they refuse to rectify my account for XXXX 2016. I called them and after an hour on the phone, they were unable to make any changes and all they can say was to wait another 30 days ( although as of today it has been 45 days ). I called XXXX who has not responded to my dispute yet and has not fixed the problem either and they too are claiming to wait another XXXX 45 days. I do n't understand. I called the creditor, XXXX and they indicated that they have send the report on XXXX XXXX, 2016 and another on XXXX XXXX, 2016 and a follow up on XXXX XXXX. I have urged them to please fix this because is preventing me from buying a new house and since no bank will touch me because it shows a 30 day late notice with XXXX XXXX, I can not get a mortgage loan for 2 years. This is crazy since it was a mistake that has been rectified by the bank, XXXX XXXX, yet the XXXX remaining credit bureaus, Transunion and XXXX refuse to make this correction. Why are they not held accountable for fixing this? I need to know what do I have to do to expedite this process. Please HELP!
Hello CFPB, I used PAYPAL ( XX/XX/2018 at XXXX XXXX  PDT ) to buy some cloth from XXXX and my Payment was sent to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. 
Transaction ID : XXXX {$120.00} USD - what I received TWO month later ( on XX/XX/2018 ) was just unusable rugs, nothing were close to that picture on internet page, size, color, quality - very bad, even stiches and pockets were on wrong spots. 
Right away I set returning process but merchant been wasn't agree against their policy ( they says its not a big difference and you maybe just mistaking by thinking that and color under lights may look different ). 
XX/XX/2018 we filled dispute through PayPal ( case # XXXX ) about transaction, after long process - I received email from PayPal : " - Youre eligible for a refund of {$120.00} USD once you return the item ( s ) " and they send me address which was different than seller provided on package. 
I paid shipping {$62.00} and followed directions from PayPal, I send what I purchased back to PayPal provided XXXX adress and provided all the evidence of returning ( receipts ) to paypal complain resolution and I still didn't have refund. Because no one live there or address didn't exist I don't know. But package tracking system ( XXXX ) USPS were stopped at some point in XXXX and looks like it coming back. PayPal not refunding me money.
On XX/XX/XXXX I received a letter from XXXX, Client Liaison from Citibank. He called me in XX/XX/XXXX asking me questions re : the closed checking account plus ending in XXXX.The payments to this account with the account number written on them were applied to the closed credit card account. He was interrogating me asking redundant questions saying the accounts were separate and why did I collapse both accounts in my complaint. Yet he " never '' addressed my question as to how the checking account payments were applied to the credit card. 

In his letter XXXX reiterated a statement by another client lisison a XXXX, " the account number written in the memo field is not bank information that we use to apply payment and it 's only purpose is that of a " memo '' for the clients use ''. This statement is insane! As all of us are aware consumers either have a carbon copy of the written check or a check register to record who the check was written to. 

I have attached a XX/XX/XXXX letter from Citi disputing XXXX and XXXX ludicrous statement. As I stated previously Citi is retaliating against me for involving my former Congressmen 's office ( now Senator ) to help me.
On XXXX XXXX, XXXX, I applied for an apartment and my application was denied due to Equifax reporting inaccurate information on my credit file from identity theft incendents that have already previously been confirmed as identity theft and removed from my credit reports and files. I want every trace of the identity theft removed from my credit files so that I will never have this issue again when applying for credit. It 's not fair that I, as a victim, am still suffering from with the acts of XXXX against me at the identity Theft 's hands .... Please update my credit file promptly, so that any judgements, rental history, credit cards and loans are no longer showing on my reports as a result of fraud. 

Thanks XXXX XXXX
I have been calling for the last couple months as well as sending letters to get this item from XXXX off of my credit report. for 1 I was XXXX years old when this account was established. 2 I have never signed anything showing ownership of this account. 3 I have tried numerous times to get this taken off my credit report and this company has done nothing to try and get this resolved. 

Dates Ive contacted the company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
The account XXXX XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
We have made several attempts to refinance, We would like to refinance and remove balloon payment. We have received a modification only short term. Looking to remove balloon. We have made several attempts.
To whom it may concern : On XX/XX/XXXX i received a text message from my credit card company, Chase, indicating that there was a fraudulent charge for {$2100.00} at XXXX XXXX MST ( see attached photo ) at XXXX in XXXX, KS. I live in XXXX, CO and neither my authorized user or myself have been XXXX in the last 3 years. After I replied that I did not make that the purchase I was promptly called by a Chase representative. He confirmed with me that I did not make the purchase and neither did my authorized user ( wife ). He said it would be marked as fraudulent and that I would have new cards issued and the old cards would be deactivated. I thought everything was taken care of and no charges showed up on my statements. 

I received a call from Chase on XX/XX/XXXX concluding that the charge at XXXX in XXXX was not fraudulent and I would be liable to pay for them. It turns out, that there was an additional charge for {$2000.00} that was made ten minutes prior to the {$2100.00} charge that I rejected. This charge was never disclosed to me and never appeared on my statements. It would make sense that since I said the charge at XXXX XXXX MST was fraudulent, the one at XXXX XXXX MST at the same location would be fraudulent as well. 

I was told that since the card had chip that the card was impossible to counterfeit and that means my authorized user or I would have had to been there. I confirmed with Chase that the charge was made on my authorized users card. 

I reached out to the store and they were able to provide me with a receipt of the transaction along with the signature. I have also attached both my authorized user and my driver 's licenses with signatures so that you can verify that the signature you have on the receipt does not match. My wife was also 7 months pregnant at the time and unable to fly, which can be collaborated with any of the commercial airlines. XXXX, KS is over 500 miles from where we live and over a 8 hour drive. We have proof from her personal Chase credit card ( ending in XXXX ) that she made a purchase at XXXX XXXX XXXX in XXXX CO at the Colorado XXXX XXXX on the same day ( XX/XX/XXXX ) at XXXX XXXX MST. Please see the attached receipt for proof and feel free to follow up with the store. Since the chip cards are " impossible '' to counterfeit and since she still has the card ending in XXXX it is impossible that she was in two places at once, and she certainly did not travel 500+ miles in under 20 mins. 

I have filed a police report with XXXX Police Department. The case number is XXXX and if you wish to get in contact with them please call them at XXXX XXXX XXXX and ask for a financial crimes detective. 

I have provided clear and overwhelming proof that the charges were fraudulent but Chase is insistent on making me pay for the fraudulent charges. Chase has consistently failed to communicate with me during this investigation. To my knowledge, Chase has refused to reach out to the XXXX or the XXXX Police department to corroborate my case. Thank you for taking the time to read my statement and please feel free to reach out to me with any questions you may have. 

Best Regards, XXXX XXXX
I received a new credit card from Capital One ( a {$49.00} security deposit was made to obtain the card. ) My mother assisted me in applying for the card ( to establish a credit history ) as I am XXXX and I am unable to XXXX on certain banking information, my state ID and social security card. I used the card one time, and unfortunately, misplaced the card. I attempted to obtain a new card, but Capital One misspelled my email address and I could not access my account online nor could I receive any communication from Capital One. I attempted to remedy this and called several times and they refused to make the corrections. Meanwhile, I had a payment due on XX/XX/2017 ( I think as they would not tell me ), for the {$20.00} something charge on my account. On XX/XX/2017, I sent all of the identification information they now required ( for some reason. ) Also, on XX/XX/2017, I called Capital One and attempted to pay the balance on my account and they stated the balance was {$40.00} something dollars and refused to tell me what the additional charges were for. During the same call, after several frustrating minutes in which they refused to provide information regarding my account, my mother authorized payment in full using her checking account ( she provided the routing number and account number. ) Capital One refused to take the payment. I opened this account to establish a credit history and due to Capital One my credit will be ruined.
XXXX & XXXX have been chasing me for three years, for a silly amount of money that I no longer owe. I paid them two years ago. Again this year they are after me.
Discover Bank pulled a bait and switch, offering {$50.00} to open a savings account, but then failing to give me the money. I satisfied all of the requirements, but they still wo n't give me the money. I have contacted them XXXX times and they have promised me the money by a certain date twice, but failed to make good. The last time I contacted them they said it would take them XXXX weeks to research the problem. I ca n't see as how it could take them that long, given that anybody can see that I followed the rules and met the requirements. I also do n't think it 's right to tie up my money that long, when I have already met the requirements.
SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESXXXX new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX , XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in 1970. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX XXXX. XXXX of XXXX. v. XXXX ( XXXX ) 551 U.S. 47, 127 S.Ct. 2201, 2205. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the XXXX year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Allied Interstate LLC is attempting to collect a claimed debt of {$80.00} on behalf of XXXX XXXX. I have never been contacted by XXXX XXXX XXXX in any way. I have a copy of my Vacate Receipt from XXXX XXXX XXXX showing a zero balance. I have rented this space for many years while out of the country and have always paid on time with auto-pay.
I applied for a loan modification through Flagstar bank on XXXX XXXX, 2016. I spoke with a representative at Flagstar bank in hopes of the underwriter granting my modification request due to my financial hardship. I have a serious XXXX and i do qualify for the XXXX XXXX HAMP program. On the phone call i spoke of earlier, i was notified by Flagstar that i would have a new servicer of my loan. I have not been provided sufficient details in writing about my loan modification request. Today, is XXXX XXXX, 2016. Flagstar has waisted four months denying my requests on XXXX occassions.
Just started working with Shellpoint Mortgage Servicing after being with XXXX for years. XXXX sold the mortgage. I am behind, I 've had many doctor/hospital bills and have been unemployed in the last 18 months. I am now employed but at a much lower salary. catching up is going to be hard but I can, I can also do a forbearance which just adds the 3 late payments to the end of the mortgage. this company sent me a hardship form saying I qualified, and then I get XXXX threatening notices with an intent to accelerate. I have no intention of letting my home go to foreclosure and find this just ridiculous. their on line reviews are terrible. 

It 's just a scam. 

I need assistance and will contact hud, will also contact my state AG 's office and will take all other avenues to protect myself and my home. 
Very disappointing and misleading company to work with.
In XXXX we modified our loan and we were put in a " Shared Appreciation '' Agreement as attached. We understood at the time that what this meant was that they were " forgiving '' a portion of the " Principal Balance '' at the time and that the " New Principal Balance '' during the trial period ( which was only through XXXX/XXXX/XXXX ). We then understood that the modification became permanent and that out of the " New Principal Balance '' of {$280000.00}, {$170000.00} would be forgiven over 3 years commencing in XXXX. The agreement states that the portion of the New Principal Balance that is not deferred, shall bear interest " The Interest Bearing Principal Balance. '' That was {$110000.00} at the rate of 2 % interest and began accruing on XXXX/XXXX/XXXX. We want to sell our home and we called Ocwen today and spoke to two gentlemen, one who cut us off and another who stated " although we forgave the " Deferred Principal Balance '' of {$170000.00}, if you sell the house you would be responsible to pay 25 % equity ( if any ) up and above the " New Principal Balance '' ( described above ) which was {$280000.00}. We argued that this is not what the agreement said but rather it said it was based on the {$280000.00} instead of the {$110000.00}! We argued some more and he then said actually it is the total you refinance the home for in XXXX which was {$390000.00}! We then said you did not forgive anything! We can never sell our house then and it will never, ever be worth {$390000.00} and it will likely be years before it is worth {$280000.00} as it stands right now ; it is worth at the most about {$220000.00}! We believe that if they said that {$170000.00} was forgiven ; it really was n't and especially if they are saying that they go back to the original loan amount of {$390000.00}! 

Please see the attached agreement which again states that " Maturity Date The Shared Appreciation amount, if any, at the Maturity Date shall be 25 % of the difference between the Valuation of the Property as of such date and {$110000.00} ( the Interest Bearing Principal Balance '' as of the Modification Effective Date ( emphasis added ) less any credit determined by Servicer for Subsequent Capital Improvements and any amount of appreciation in excess of Deferred Principal Balance. '' When we pulled these documents up on their website today, they had the wrong Modification Agreement attached with Notary Signatures also. 
Questions : Was {$170000.00} really forgiven? It does n't sound like it to me. 
Why would we be told this reverts back to the original loan of {$390000.00}? This is absolutely no where on the Agreement. 
We kept asking about reduction for " Capital Improvements '' and they did not firmly state that applies! 

Thanks XXXX
U > S > bank mortgage insurance department refuses to drop our mortgage insurance payment even though our original loan statement said it would end in 103 months which would be XX/XX/XXXX ... we have never missed a payment or been late and now have a 20 % loan to value ... .they claim we have to pay it until XX/XX/XXXX.
The debt collector was very rude while I was trying to explain to her that the debt was paid. She gave me their email, I had to ask several times for her to repeat the email because I could n't understand her and she then yelled at me saying " mam listen! '' and hung up on me. About XXXX minutes later she called back to tell me they had given me the wrong email and were rude for the duration of this conversation also.