WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted XXXX XXXX today XX/XX/2019 in efforts to correct an issue with them adding negative remarks to my credit report in regards to my balance. i explained to the representative the issue who in turn was able to locate the origin of error. The representatives name was XXXX, Who gave ID XXXX. He was supposedly a supervisor. He was very rude and inefficient. Only after reminding him several times that He wasnt addressing my question did he actually begin to review the account in full to find the error. he said that my loans had been capitalized and this caused remarks of outstanding balance/increase to be listed. I inquired about what could be done next to correct the error and he essentially said that there was nothing I could do. When i explained that I wanted to speak to someone else he refused. he even said that he would not transfer me. I reminded him that this was not about him personally but my pursuit to get definite answers and solutions. XXXX continued to refuse to connect me with someone else. He even went as far as to say that he was the highest person the issue would go to and that there is no one else that could help me or resolve the error. I was angry and I did call him an XXXX. But only after respectfully requesting someone else while being overtalked and being told casually that what I was saying didnt matter
Experian contacted XXXX to have my account removed from Experian, Experian insist that they do n't have request, I even faxed them a letter from the collection agency saying to remove account and they have not done so
First to take action on a foreclosure, fraud not the owner in due course, continue with proceedings while under QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST
capital one id number XXXX account lying, improper id patriot act violation unfair practices, discrimination racism this worker closed a credit account without permission due to asking to asking top speak top a higher rank worjker. only reason account was closed, i askeed for mediation whih the person ided says we dont allow mediation and we willclose your account, although i asked it not be done untoil i hads a chancew to mediate with someone whicfh was denied then account closed.
Complaint XXXX of XXXX Shellpoint Mortgage. 
On this loan I did get behind but on XX/XX/2016 I made a payment of {$2500.00}. At that time I believe that paid it current. I was told there could be some additional foreclosure costs due. However a couple of months later I received no correspondence. I called and discovered Shellpoint began foreclosing on the property. Apparently they put the payment in a suspended\partialpayment account where it has remained.
I have been in contact with Nationstar for about a year working on a loan modification. I submitted all documents requested, yet my documents were never received or expired. In the meantime, they filed for foreclosure against my wife and I. I filed an answer to the complaint promptly. Nationstar is now seeking default against my wife. They seem to be very dishonest and deceptive.
I HAD A STUDENT LOAN FROM AN XXXX SCHOOL MORE THAN 28 YRS AGO. AT THE TIME, I REALLY DID N'T KNOW WHAT I WAS SIGNING BECAUSE I WAS LIKE XXXX OR XXXX AND HAD JUST HAD A BABY SO I STARTED THIS XXXX SCHOOL. WELL I ENDED UP XXXX AGAIN A FEW MONTHS AFTER AND EVENTUALLY NEVER GOT THE CHANCE TO FINISH THE SCHOOLING. YEARS LATER, THIS ENDED UP ON MY CREDIT AND WAS A MAJOR PART IN DESTROYING MY CREDIT. SO I FINALLY, NOT WANTING TO AT ALL, ENDED UP FILING FOR BANKRUPTCY, THINKING THAT IT WOULD EVENTUALLY GET RID OF THE DEBT ALONG WITH THE OTHERS. WELL AFTER COMPLETING AND GETTING DISCHARGED FROM BANKRUPTCY, THE LETTERS AND THE NUMEROUS AMOUNTS OF PHONE CALLS STARTED COMING AGAIN FROM THIS AGENCY CALLED NAVIENTS. INITIALLY, I WAS TELLING THEM THAT I HAD NO IDEA OF THIS DEBT BECAUSE I 'D NEVER HAD A LOAN WITH A COMPANY CALLED NAVIENT. WELL, THEY KEPT CALLING AND CALLING THREATENING ME ABOUT THIS DEBT. A COUPLE OF YEARS LATER, A COMPANY CALLED XXXX STARTED CALLING AND HARRASSING ME ABOUT THIS SAME DEBT, EXCEPT THAT NOW IT WAS MORE THAN 4 TIMES THE AMOUNT OF THE ORIGINAL LOAN WHICH WAS ONLY ABOUT {$2200.00}. WELL, THAT COMPANY INTERCEPTED MY TAXES AND IT CREATED A DEFINITE HARDSHIP FOR ME AND MY FAMILY AS I HAD JUST LOST MY OLDEST CHILD AND ONLY SON TO XXXX. I HAD TO BORROW MONEY FROM FRIENDS AND FAMILY JUST FOR HIS BURIAL. I WAS OUT OF WORK FOR WEEKS BECAUSE I COULD NOT FUNCTION. GOT BEHIND ON SEVERAL BILLS AND MAINLY MY RENT SO I WAS EVICTED BUT A FRIEND HAD A PROPERTY NO ONE WAS LIVING IN, SO HE LET US STAY THERE. I HAVE XXXX OTHER DAUGHTERS, MY SICK ELDERLY MOTHER AND MY GRAND DAUGHTER, WHO IS MY SONS OLDEST CHILD. HE HAS XXXX. AFTER THAT, I SET UP PAYMENT ARRANGEMENTS WITH XXXX AND COMPLETED THE REHAB PROGRAM THROUGH THEM. I DID NOT KNOW THAT THIS {$2200.00} LOAN HAD BEEN SOLD TO XXXX COLLECTIONS AGENCIES. THEREFORE, THE AMOUNT OF THE LOAN HAS QUADRUPLED TO MORE THAN {$8000.00}. AFTER THE LOAN CAME OUT OF DEFAULT, DUE TO THE REHAB PROGRAM, IT IS NOW BACK IN NAVIENTS HANDS AND THE PAYMENT PROGRAM THAT THEY ESTABLISHED IS WELL MORE THAN I CAN POSSIBLY AFFORD AND WOULD CREATE AND UNNECESSARY HARDSHIP ON ME AND MY FAMILY ONCE AGAIN. TO TRY TO EVEN PAY IT OFF WOULD BE MUCH WORSE BECAUSE NOW AFTER ALL THE OUTRAGEOUS FEES AND CHARGES, THEY ARE SAYING I WOULD END UP PAYING OVER {$12000.00} FOR A {$2000.00} LOAN. I WROTE THEM AND ASKED IF WE COULD COME TO A PAY OFF AGREEMENT FOR A PERCENTAGE OF THE ORIGINAL AMOUNT OF THE LOAN AND THEY DECLINED MY OFFER, WHICH IS WHY I AM WRITING TO YOU. I GET XXXX AS A VETERAN AND I 'M BARELY MAKING ENDS MEET WITH MY FAMILY AS IS. AS I STATED, THIS LOAN IS ALMOST 30 YEARS OLD AND TRYING TO PAY THIS OFF WOULD BE NEARLY IMPOSSIBLE. AND THEY ARE DESTROYING MY CREDIT IN THE PROCESS, EVEN AFTER BANKRUPTCY. CAN YOU ALL PLEASE HELP?
XXXX XXXX ACCT NO XXXX IS REPORTING ON MY XXXX AND TRANSUNION FILES.XXXX IN DISPUTE VERIFIED THE ACCOUNT. 
I HAVE NEVER ORDERED XXXX, RECEIVED OR USED THE CARD OR RECEIVED ANY MERCHANDISE.IT IS IMPOSSIBLE TO PROPERLY DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.THE OPENING OF THIS ACCOUNT IS EXACTLY AND ENTIRELY FRAUDULENT.PLEASE FINE THE BUREAUS FOR VERIFYING THIS ACCOUNT.
I had judgement in XXXX against me with XXXX XXXX. The collection agency Suttell and Hammer is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. 
On XX/XX/XXXX my checking account was frozen with XXXX  balance from a notice from Suttell and Hammer. I called Suttell to asked them why couldn't I receive a notice that Suttell was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.
I have been paying on my debt every 2 weeks of XXXX $ or XXXX $ month until paid in full. The debt is XXXX $ total. I spoke to them last week if they showed receiving my payments and they confirmed. They are very rude, hung up on me and call 3-4 times EVERY DAY.
XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help thank you
I have been working for more than a year with Chase Mortgage company XX/XX/XXXX trying to get an assumption modification on my our family home and deceased mothers home.Month after month. Getting paper work after paper work, notaries, lawyers, signatures. Only to be told in XX/XX/XXXX Chase, XXXX denied me the opportunity after almost a year, because its not my primary residence. And refused to make a reasonable affordable payment arrangement to catch up the note. Instead demanding {$5000.00} plus to reinstate the loan.. During the modification process I was told not to make payments, that they would make arrangements with me to catch up the payments.They refuse to accept any monies from me and they made unreasonable requested amounts. That I could not afford. Now XX/XX/XXXX they have sent me letters stating to accelerate the loan/ foreclose if I do not bring the loan current {$11000.00} approximately. And they have transferred my loan to XXXX. Please help me save my home. Cant ' some one make payment arrangements with me without the run around.
I have several inquiries that was report on my credit report that I did not authorize, and security financial is still report on my credit report after I request to pay but was declined due because the company wrote it off now another agency have it so therefore am no long responsible for it. Please look more into my report so . Am  also request that university   XXXX   XXXX   be remove as well. It could be update asap,
I applied for and was granted a payday loan from Castle Payday, which is an affiliate of the XXXX XXXX XXXX entity. At no time was it explained to me that the {$1000.00} loan was going to cost me {$7600.00}. Castle payday has been auto-deducting an average payment of {$250.00}, XXXX a month from my checking account since XXXX XXXX, for a total of {$1600.00}. The only way I can get them to stop pulling money out is to pay the loan off in full. My contention is that I have repaid the debt in full at this point plus {$620.00} and to pay an additional {$1200.00} to consider it paid in full, or to continue installments until full maturity of the note is reached ( a total of {$7300.00} ), in my opinion, fraudulent.
THIS IS NOT A NOTICE OF DISPUTE REGARDING AN ITEM APPEARING IN THE EXPERIAN FILE.

This is a follow up to a prior complaint against Experian with the CFPB ( Complaint Number XXXX ) filed via consumerfinance.gov onXX/XX/XXXX.

Experian FAILED to answer the specifics of my complaint, and for this reason, I am resubmitting the complaint.

First of all, Experian is REQUIRED by the rules clearly spelled out in the Fair Credit Reporting Act ( " FCRA '' ), to provide a consumer with the " Description of the reinvestigation procedure. '' 15 U.S.C. Sec 1681i ( a ) ( 7 ).

My NOTICE and complaint against Experian was quite clear, it was a follow up to a PRIOR dispute regarding a factual error on the consumer report, for which Experian claimed the item was " verified. '' It was NOT a dispute itself, but rather a FOLLOW UP TO A NOTICE OF DISPUTE, as per dispute rules of the FCRA.

The Report # was XXXX, dated XX/XX/XXXX. The item in dispute was " XXXX XXXX XXXX '' Experian may NOT simply " parrot '' information from a furnisher, and claim an item is " verified. '' Since this complaint is NOT A NOTICE OF DISPUTE, Experian DOES NOT have my permission to share any personal information regarding this CFPB complaint with the furnisher, and simply pretend that it is a dispute so that it can simply claim the item is " verified. '' This complaint is a NOTICE to Experian pursuant to the FCRA, and Experian MUST ONLY provide me with the following : 1. The EXACT PROCEDURE it used to " determine the accuracy and completeness of the information '' in reference to the Report # XXXX. This includes the PHYSICAL DOCUMENTS that Experian used to verify that the item, including all amounts and payment history were being reported accurately.

2. The NAME of the person that Experian contacted ( vague responses of " furnisher '' or " the company '' will not suffice ). Experian must list the SPECIFIC NAME of the person it contacted ( " person '' is defined in the FCRA, under Sec 603 [ 15 U.S.C. 1681ia ] ).

3. The BUSINESS ADDRESS of the person that Experian contacted regarding the dispute.
Equifax continues to incorrectly report an old Chapter XXXX Bankruptcy filing even though it is now nearly 10 yrs old and Chapter XXXX Bankruptcies are to be removed after 7 years.
I got a tub installed with XXXX sent numerous request emails, calls and faxes, begging them to come back and fix the pipe that is directly connected to the main line of the sewerage where sewerage bugs are continuing to come up from the tub. They gave me a discount on the tub due to the hot water heater was never installed as promised, but would never come back and complete the work I requested which was to fix the raw sewerage line where sewerage flies continue to come up from the drainage. I have emailed called, faxed and sent certified letters they advised that they would come and as of today 's date after waiting over a year no one has showed up and as of today 's date I have never received a response to my letters and faxes. I was then told that my account was in house so as soon as the work with the tub was completed I would pay XXXX as of today 's date after more than 50 calls, emailing their office and faxing them no one has showed up to fix anything. The tub does not have hot water and is not functional. It is a XXXX galloon water system that does not have the hot water installed also the flies are extremely disgusting. I am being billed for the amount of {$24.00}, XXXX for a tub that paperwork shows {$20000.00} billed one thing and paperwork says another. I can not pay for a tub that does not work. I am still waiting for them to fix it. I have asked them several times to fix the tub. They would act like someone will show up and then no one ever does. When I do call their company I keep either getting transferred or no one picks up it is extremely hard to get this company to repair their product or send anyone from their company to show up.
This bill was disputed years ago.. All XXXX credit bureau removed this bill from my credit report. Because i do not owe this bill. Now i am getting threating letters again..
Quicken Loans sent a letter of solicitation to XXXX XXXX to refinance my home loan. XXXX XXXX is my spouse, but is not a legal owner of the property being solicited. The property is located in Oregon, which is not a community property state, and public record shows that he is not a legal owner of the property and never has been. He is not on title, deed or the current mortgage. I am very concerned with Quicken Loans advertisement/solicitation practices offering an individual who is not legal owner of my home to refinance my home in their name. My name is not on the solicitation at all, it is only addressed to XXXX XXXX, along with details of my current loan amount, and an offer of new refinanced terms from Quicken Loans. This offer and their means to obtain the information seems deceptive and illegal.
Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. per Foreclosure Trustee fraud allonge knew the allonge was not sign by banking officer but by document manufacturing company XXXX several years after the bank cease to exist from a defunct institutions similar to XXXX featured in XXXX fraud on court several allonge, XXXX XXXX Unconscious deceptive allonge of XXXX XXXX, XXXX XXXX undatedXX/XX/XXXX Matter set for hearing on XX/XX/XXXX at XXXXXXXXCopies mailed per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX XXXX XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX
I was on an income based repayment plan. Got an email saying forbearance was a better option for my situation. It was not. Now I'm paying way more in interest than I otherwise would have without it.
I bought a home through Trident Mortgage. It was a HUD home with FHA 203b with escrow repairs. I was told that I needed to gather estimates for the repairs and submit them before closing. I did all that was required and got estimates for approximately {$4100.00}. At the closing table the mortgage broker that I had been working with told me to have the work done by XX/XX/2018 and wrote it in the closing documents. She told me that the checks would be disbursed within 5 days of the inspection, also clearly written in the contract. I completed all of the work and texted her on XX/XX/2018 at XXXX. She responded Awesome and scheduled the inspection. On Tuesday XX/XX/XXXX at XXXX, I texted her that inspection passed and inquired about the money because I had paid the contractor for the work done because they couldnt wait for the payment. On XX/XX/XXXX she texted we got the Ok to release the funds just sent an email to the title company, to see when they can release the funds I then called numerous times and got no answer only a texted saying Ill call you back. XX/XX/XXXX I received a text saying she left a message for the title company. Through the next week I called and nothing but a return text saying Ill call you back. XX/XX/XXXX sent a few texts but no response. Finally through another half dozen calls she answers and says your not getting any money, we gave you a discount on your down payment Please help with this situation, its put me in a very crucial financial problem. She told me what my down payment needed to be and I came to the table with everything she asked me to. I signed the contract that clearly states Ill get that money and even the timeframe and now Trident Mortgage is breaking the closing contract.
I reviewed my Credit Report by XXXX and noticed a 30 day late payment on my Discover Card account from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I entered into a Credit Counseling program which was approved by Discover Card. All payments since entering into the program have been paid as agreed. I submitted a Dispute with XXXX on XX/XX/XXXX and it was completed on XX/XX/XXXX. While there was an update on my account, the 5 months of delinquency were not removed from the account. I contacted Discover on XX/XX/XXXX and was told that the account had a missed payment in the transition period XX/XX/XXXX and I did not become current until XX/XX/XXXX. While I can understand a one month penalty for XX/XX/XXXX missed payment, I believe Discover Card should clear my record to accurately reflect that I have paid on time as required for XX/XX/XXXX - XX/XX/XXXX since entering the program. No other credit card company reported any delinquency on any of my accounts.
XXXX : XXXX XXXX XXXX I would like you to clearly establish our alleged relationship as the new servicing company. 
Requesting : Assignment of Mortgage, Rents Agreement of relationship with beneficiary Confirm foreclosure has been cancelled due to inaccurate accounting - XXXX payments have not been applied Confirm the Original Note is available to view, you have seen, and confirmed trustee has also seen
Abuse # 1 ) Every year for the past several years we have had to contact BofA and request that transactions never be paid for our debit card if there are insufficient funds in the account. And every year Bank of America resets our debit card so transactions will be paid regardless of balance and a {$35.00} fee charged. 

It is a violation of both federal and state law for Bank of American to alter a customer account in this way, against the customer 's continued requests not to, just to continually perpetuate the scam of {$35.00} transaction fees. 

Abuse # 2 Further, we receive an email immediately after the {$35.00} dollar fee is charged. An honest bank would send an email immediately but before charging {$35.00} stating there are insufficient funds should a customer want those transactions paid ( we do n't but other customers may ), in which case one could have the option of using another debit card or transferring funds immediately to BofA. Transferring money between accounts is instant and free and easy online or via an APP. This kind of abusive behavior by any bank, especially a national bank such as Bank of America, is absolutely inexcusable. 

If BofA is running this abusive scam with us year after year, they are certainly scamming and abusing other customers continually year after year as well.
I have two loans with Navient. My student loans have always been handled as two separate loans by every previous loan servicer. Navient claims that if I send a written letter with my payment they will credit the loans according to my instructions. I have done that each month since Navient took over my loan, and Navient refuses to follow my instructions and always credits the payments incorrectly. The problem is they are slowing down the repayment of my loans by doing this, and ultimately causing me to pay more interest because they do not want me to be able to accelerate the payments on one particular loan in order to pay it off earlier. They are liars. They promise me each month they will follow my written instructions which I send by Certified Mail, but they never do that. I even send two separate checks, but they ignore the checks and credit the payments as they please. This process takes me hours on the phone each month to get it corrected, and each month they try to cheat me again. They are in violation of the terms set forth in my promissory notes.
Bank of America is processing a short sale. They are requiring the mortgagor to sign an authorization to release personal nonpublic information such as social security numbers, account balances, payment information to the real estate broker in the transaction.