WillisBack/dataset-financial-user-claim huggingface dataset:
I tried logging into my account this morning to pay my mortgage for XXXX 2015. I tried on freedommortgage.com, and it would n't let me in so I called customer service, entered my SS Number, and it routed me to a lady who saw all my information, she told me my account was handled through myloancare.com let me connect you. No one answered. I tried to log into XXXX and it would n't let me either. I asked for temporary passwords from each site, each site sent me an email with a temp password, however I still am unable to log into my account. I called Freedom Mortgage back at XXXX this morning and spoke with XXXX, she stated my loan is handled through XXXX go back to them. I tried to explain to her that the XXXX website told me to go back to you - freedom mortgage, she said no, I know it 's confusing because Freedom Mortgage is the parent company to XXXX, but you need to deal with them. Right now I am frustrated with all the lies, and lack of accountability with my account. Is this a SCAM set up this way so I had to pay the {$5.00} extra dollars by phone to pay my mortgage to gain additional revenue? Which I paid by phone calling Freedom Mortgage, so they wont talk to me about my account, they wont let me log into my account, but they will take my money over the phone? I have had issues with both of these entities since day one, I have filed numerous complaints and will continue to do so, until they are held accountable for these outrageous actions and lack of accountability for my loan.
I got an American Express Server Prepaid Debit card based on the great things my husband said about them as an alternative to regular banking. I was planning to use it for some bill paying, and as a way to keep a little side savings account, with liquidity options in case an emergency might rise and I 'd need cash ( my bank has very small limits for our debit cards ). I 've seen my husband use his once when we were on vacation and wanted to buy some local crafts whose vendors would only accept cash, and he showed me how the Serve Card lets you withdraw {$750.00}, which is almost three times more than my bank debit card allows ( we live in a small town, and use a local independent bank, well, credit union really. I had n't used it that much, but began using it a few months ago, when, much to my surprise, they all of a sudden told me my card had been canceled, and not two days later my husband 's was canceled as well! He called American Express and spoke with someone, who told him that his card had possibly been involved in some fraudulent activity, and so his card had been shut off. He can describe it better, and he just submitted a claim for his card as well. I was too upset to call them, I had almost eighteen hundred dollars on that card! We had to borrow some money for our vacation last week due to the money that Amercan Express is withholding from us, and we most certainly did n't commit any fraudulent activiy with our usage of our cards! He ( my husband ) says we should contacty you and your agency to get help with at least getting our ending balances back. I 'd like them to re-instate my card also, how long does it take to find nothing? Sincerely, XXXX XXXX
Bank of America XXXX XXXX XXXX Vice President XXXX XXXX continues in her crusade to cause irreparable damage as CFPB stands by and allows the injurious behavior to mount. In addition to denying me fraud protection today XXXX XXXX sabatoged my debit card and did potential damage to my XXXX USD cell phone in the processs. 

While it is difficult to determine whether its simple stupidity or sophisticated manipulation XXXX XXXX is clearly in above her head. Assigned as my day to day contact initially she the quickly moved to get control of my personal finances and then after being denied that access she essentially abandoned me and her fiduciary responsibilities. She is on the verge of facing an investigation into her banking practices in her home state of Florida as this is being written. 

Given her stonewalling and protection of at least XXXX abusive BOA employee XXXX XXXX is setting herself up for quite a judgement day and I therefore again before she does anymore damage to me or her other potential victims I urge the CFPB to open up an investigation in to what exactly is her angle. Thank you.
XXXX contacted me about an account I did not authorize. They advised me of a balance I was unfamiliar with and I demanded validation of the account because I was the victim of ID Theft in the past. The company not only did not provide necessary documentation to validate the account but they proceeded to report the account to the credit bureaus. I already have an ID Theft report on file and need this item removed immediately. In my ID theft report I specified there was no way for me to know all of the accounts that were opened in my name but outlined a period of time I knew for sure the thief was opening accounts. I do not use credit for hardly anything and now that I do need to use it for business purposes these fraudulent accounts are hindering my ability to do so.
My name is XXXX XXXX and I am {$100000.00} in debt. 
My entire life I was told that I should go to college. I was told I would not get a good job without a degree. My dream was to go to XXXX and when I found XXXX XXXX XXXX I thought my dream had come true. The Financial Aid offices said I could go there as long as I took out loans. I was told that once I got my degree I would be able to pay them back based on my income and I would make enough to support myself and pay back my loans ; none of which are true. I began working full time to support myself and ended up needing to drop down to XXXX credits and spent a fifth year getting my degree. If I did n't work I would 've had to leave. My 2nd year-4th year I officially moved to XXXX, was paying New York taxes but I could not become a NY resident despite this and was still subject to out of state tuition which was significantly higher. I disputed this several times but as long as I was in college I was not a resident. 
To pay for school I took out {$76000.00} in private loans ( Citi bank- citi assist ) and approximately {$25000.00} in Federal to get my degree. I have been paying each loan on time for 4 years and I still owe more than I borrowed. My interest rates vary from 3 % to 10 %. A few years back I spent 1 month out of work and requested a temporary deferment on my loans. I knew I could resume in 30 days time and just needed a one month delay. Citibank sold XXXX of my loans to XXXX who then hiked my interest rate up to 10.875 % There is no end in sight for me. I will never own any property. I wo n't get married. I am stuck in an endless cycle refusing to default as my father was my cosigner. This is my life.
Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a  lawsuit against the bureaus and XXXX due to their negligence and none compliance.
Mercantile Adjustment Bureau reported a collection to my credit, yet when I contacted them to dispute it, they couldn't find any collection under my social security number or past addresses. The fact that this or any collection agency can erroneously report a debt on anyone 's credit without the appropriate information is unethical.

I need this collection to be removed from my credit report immediately. I am currently on the market to purchase a home, and my credit dropped significantly due to this collection. Please help me ensure Mercantile Adjustment Bureau rectifies this matter. I, like many Americans, work very hard to keep my credit and accounts in order. We should not be placed in a situation where our credit and reputation is harmed while debt collectors continue these unfair predatory practices upon consumers such as myself.

Thank you for help and assistance.
My problem is that the Capital One Web site incorrectly shows past due amounts as NOT past due, causing customers to make 30 day late payments instead of just a few days late. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Four times in XX/XX/XXXX and XX/XX/XXXX, I logged into my account planning to make a charge card payment a day or two after the due date. Unlike ANY OTHER company I know, the web site, instead of segregating the past due amount from the following months amount due, combined them, and showed next months due date for the entire amount!! This indicated to me that I did NOT have a payment due ... .and I waited till next month-end to pay! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I finally realized that the XXXX XXXX site was misleading me and have avoided the problem since, but I still have 4 late payments on all my credit reports! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I HAVE tried repeatedly to get Capital One to address these issues but they have steadfastly refused to do anything. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( please note that I could provide a screen shot of the XXXX screen but I would have to let my account go a day past due, and incur a big late fee to do so )
I received an offer over a phone call from American Express Credit Card agent, XXXX ( Employee ID number : XXXX ) on XX/XX/XXXX The offer is, I can get XXXX Amex Membership Rewards points if I add an authorized user and spend over {$500.00} within in 3 months. I met all requirements but have not received the MR points so far as advertised. I contacted the AMEX customer service and submitted complaints through chatting and phone numerous times. One of the  chatting reference number is XXXX. I even chatted with a supervisor onXX/XX/XXXX ( complain number : XXXX ) but It has been more than 8 weeks.
I never received any updates or response until I contacted and all agents keep saying generic answer that it will take 6-8 weeks.
Promotional term was to receive XXXX delta airline miles if I accepted the American Express C.C. and spent at least {$1000.00} in the first 30 days. I met the terms and spent the required amount and much more. My account is in good standing and no late payments or other failings have occurred. My card was opened XXXX XXXX, XXXX. I spent the first {$1000.00} + within 72 hours. 

I began asking about my XXXX airline miles in XXXX, XXXX and every few weeks thereafter. Initially, I was told it was a four to six weeks wait. In early XXXX, the issue has now been referred to as a computer glitch and would be corrected in about two weeks. Every two weeks it is another two weeks.
I have been assured, repeatedly, that I have met all the terms to receive my miles and that I am not alone. I have been told during the last six weeks that it was a problem that effected thousands of people and it takes time to fix. 

I was lead to believe by a supervisor that it was n't actually a computer glitch but in fact a different sort of problem.
I am trying to refinance my rental property. I had a Chap XXXX Bankruptcy XXXX in XX/XX/XXXX. This year in XXXX will be 7 years. I had to shortsell my primary residence in XX/XX/XXXX after years of trying to save it. While it was included in the bankruptcy, I was trying to get a loan modification. In the end the payments were too high and I had to short sell. XXXX has rules in place that state you must wait 4 years after the XXXX to be approved for a refi. The mortgage debt was included in the Bankruptcy and yet I'm being held to the shortsell dates in addition to the Bankruptcy years for a total of 11 years before I can qualify for a home loan refinance. This is not fair, the debt was XXXX and I've waited my XXXX years. Someone needs to review these scenarios as this is not unusual.
My sister and Brother in law filed Chapter XXXX on XX/XX/XXXX. On XXXX XXXX, I attempted to settle a $ XXXX dollars mortgage debt since i signed the mortgage documents - with Specialized Loan Services. I was made aware of the past due/collections trough my credit report. The company never attempted to collect from me in the past nor showed late on the report. They asked me for $ XXXX to settle on XX/XX/XXXX, I tried negotiating and each time the amount gest higher and higher. Now, I have the $ XXXX and they wo n't accept it. I am paying the debt being that I did not file for Chapter XXXX and I want the lien to be removed.
I wrote to AD ASTRA RECOVERY SERVICE about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owed them. They sent me paperwork stating that I was the borrower of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a second letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report after the required 30 day period.
Ocwen Mortgage loan services, foreclosed on my home, 2 years ago. I hired XXXX attorneys, cost me {$32000.00} in fees. Was evicted by the police department, was given 2 days to get my things out, the undersheriff said we could have more time, but the cop that was pushing for the eviction was doing this on the side, using is badge and XXXX as intimidation. Had another company working to keep us from getting evicted, they said we were good, the court must of got the writ to stop eviction, because the police were not back to get the keys. That mortgage company told me to put my things back in the garage, it was done. The next morning XXXX dumpsters showed up, and the clean up crew. A friend of mine that was a XXXX was helping me with some stuff at my house, he approached the clean up crew telling them it was stopped and they called that cop, and he called my wife and cussed her, and threatened to arrest her and our friend and road raged her as they were down the street. And he is an officer of the law or is he above the law? Our friend that was a XXXX called the undersheriff and asked if we could get the rest of our stuff out, and the undersheriff said he would have the crew put it all in the garage. Well we came the next day, and the undersheriff lied, they stole our prescription drugs, TV, bikes, clothes, food and threw everything thing else in the dumpster.
I have written to Discover on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.
I have submitted multiple requestes written requests and even spoke with an Representative named XXXX at Experian regarding having the following inquiries removed because I didnt not authorize them and have been unsuccessful in doing so. 

XXXX. 
XXXX XXXX Dated : XXXX XXXX, XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX 2. 
XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 3. 
XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX 5. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 6. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 7. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX 8. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
On XX/XX/2018 I received a voice message from debt collector but on my phone their said case has been filed in XXXX County and other phone call to my wife and ex-wife both received calls over child custody case has been filed in XXXX County and to reference this case number when calling. I called number on XX/XX/2018 at XXXX in the XXXX. The person pickup and says my file has been locked and they needed information to unlock it and then proceed to say I owe Ace Cash Express I need to pay before they filed but on voice message they made threats and that person who called yesterday making the threats they did not know who they were I need to take care of this matter. The number called my cell unknown and the number on voice message was ( XXXX ) XXXX.
I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX bank account. I have never done business with any of these companies I don't know who they are : XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ( FTC ). THE FOLLOWING ADDRESS ARE NOT MINE PLEASE REMOVE 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 XXXX XXXX, XXXX, OH XXXX
EQUIFAX : Has listed on my credit report a debt collection from XXXX XXXX XXXX Acct # XXXX. I have asked them several times to verify this account with me and to send me verification of this acct. Within the timeframe. They have never verified anything. And this acct dated XXXX/2010 something from almost 7 years ago. They allow the company to report this on my credit report every month. An account that has never been verified. Also the company lists the date of acct as XXXX/10 and on another reporting system it is listed as XXXX/10 so the dates do not match up.
We are XXXX military and XXXX after we bought a house. We tried selling our house many times and could n't bc we owed more than we could sell it for. So we opted to do a short sale. We have had XXXX good offers in for this short sale and we are about to lose this XXXX offer bc the bank is taking to long. Every time I call its always in process. We had this offer in since XX/XX/XXXX and cant afford to lose this buyer. I feel like the bank is taking this long on purpose for XXXX reason.! - bc we are XXXX military and they know if we fall back on payments they can contact the command and XXXX bc we are still paying on the house and have never defaulted that they are still getting their money. If we had missed 3 payments then I 'm sure this house would have been sold already. It is not our fault that the military XXXX and weve done everything the right way and kept paying on this house. The house is not worth what we owe on it and therefore we cant sell it. When you have a good full cash offer in why would you just sit on it. Its putting a lot of stress on our house hold having to make a mortgage payment and rent. Can you please help us resolve this issue.
XXXX allowed XXXX to alter my original file after five years and add a {$260.00} balance and change the length of my loan from 60 months to 65 then show me as currently late on a charged off loan. I disputed this after it dropped my score 30 points. Then I had to wait 30 whole days for XXXX to send them my XXXX loan info instead. It does n't even match and they cleared XXXX and left the false information. I immediately started another dispute online. Now they say I have to wait another 30 days to see if the correct info will be sent even though I showed them on there own report that both loans have been assigned the same account number, but I do have proof from a 2015 trans union report that they originally did not. I repeatedly asked if anyone else could help in this matter legally speaking and XXXX said NO that they and the companies controll what go on the report!!!
We have repeatedly received robocalls from our home from an outfit called Hunter Warfield, a debt collection company out of XXXX Florida. The calls, left on our home telephone answering machine, state that they are seeking a debt from someone named XXXX XXXX, and if we are not XXXX XXXX to hang up. If we do n't hang up ( and because the message is left on voice mail, we can not ), we are treated to more information about how we must contact this company to pay a debt. We are not XXXX XXXX, and we have not ever heard of XXXX XXXX. These calls are made to our home repeatedly, dozens of time. On Sunday mornings, at dinner time, anytime. They never stop This type of activity can not be legal. It is harassment. 

The company is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

The XXXX of the company is XXXX XXXX, and the XXXX XXXX XXXX is XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
in XXXX XXXX my mother purchased a property in XXXX. In XXXX of XXXX she filed a revocable land trust naming me as beneficiary. in XXXX XXXX my mother applied for and was approved for a 2nd mortgage with Harris bank. I was told that due to the land trust, I would need to sign this 2nd mortgage with my mother. In XXXX XXXX, my mother filed chapter XXXX bankruptcy. I was paying the first mortgage, living at the location taking care of my mother. In XXXX XXXX my mother passed. I continued paying first mortgage. I never received any notices from Harris Bank about any money due them. In XXXX XXXX I relocated to XXXX. My mail was forwarded.in XXXX I attempted to purchase an rv. I was denied as a delinquent mortgage was reported by harris bank. I called them and they refused to talk to me stating my mom had filed bankruptcy and they could not talk to me. when I asked for debt validation, they sent me copy of promissory note I signed in XXXX. I called them and explained that I was unaware of any balance due. I explained that this report to credit stops me from refinancing and taking care of my moms debt. I also explained that I did not file bankruptcy and asked why no demand for payment was made before reporting this to credit. since their report, I have suffered extreme financial hardship. I later found out through other sources, Harris bank wrote this loan off in XXXX my mom had continued to pay until she passed. Harris bank states they never sent any notices stating that payments stopped or the loan was delinquent. I do n't have enough personal funds to hire an attorney, or pay the delinquency. Because of the credit report, I cant refinance as my score fell from XXXX to XXXX. I am unable to purchase a home in XXXX. It is my understanding that when a mortgage becomes delinquent, a demand for payment should be made before taking any other action. even if they had started reporting the missed payments on my credit immediately, I would have known and had time to rectify the situation. but they did not report anything on my credit for almost 2 years after payments stopped.