WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was transferred from XXXX to Carrington Mortgage Services XX/XX/2016. They have received payments from the time they have had my loan. No missed payments, I have made payments through my bank with does a ACH withdrawal and I have requested for my monthly authorization of payment statements and was told they no longer provided them. They will not send any records as requested by writing regarding my loan balances and payments. I have been transferred and lied to multiple times I was told my payments were ahead a month and now they tell me I owe them for XX/XX/XXXX and XX/XX/XXXX, therefore I 'm told I am XXXX months behind. They have sent letters of intent for foreclosure and certified mailings to my address in which I am still occupying the property. They have sent so many threatening letters and they have still been receiving payments toward my mortgage from my checking account, but have the monies have been placed in a " suspense account. '' The money in the suspense account should be applied to my mortgage and other monies that were received from XXXX should 've been applied also but I 've been told they have been reversed out and placed unapplied funds. I am based in XXXX and this company is in XXXX. I have sent a letter requesting a research audit on my account and they have sent the letters back to me in via XXXX. Over the phone, I have been transferred and placed on hold and told no managers in loan servicing dept are available I can leave a message for a call back withing XXXX hours and no one has called to discuss my loan with me. This company has poor business practices.
I noticed unauthorized activity in my checking account and my line of credit account on XX/XX/2019. I also discovered that account preferences had been changed without my knowledge, request or authorization. I have not had access to over {$1500.00} of deposits since XX/XX/2019. Wells Fargo admitted a glitch in their system and stated my funds are in limbo. This is affecting my commitments to my creditors. I have filed a police report with XXXX and a complaint wi OCC. Thank you in advance for your help and attention.
Original Dispute Number : XXXX [ never Got worked ] New Dispute Number : XXXX I went on a Business trip to XXXX [ XXXX XXXX ] : XX/XX/XXXX thru XX/XX/XXXX I noticed a charge for {$4500.00} [ exactly XXXX Real ] after I came back from the trip I filed a dispute on citi.com from my credit card statement page. 
During my initial Dispute there were 10+ charges from the same merchant XXXX XXXX and I disputed them all. 
The City where the merchant is located and where the card was used physically is 8 Hrs away from where I stayed. 
I stayed in the XXXX XXXX area during the entire trip which is evident from all the other transaction. 
The amount that was charged is exactly XXXX XXXX XXXX. 
https : XXXXXXXX Details on how they commit this crime. 
I suspect this is what happened to me while I tried to use my Citi Card and eventually ended up using my debit card to get cash and pay for the restaurant bill. 
https : XXXXXXXX Above website explains in detail how the criminals clone a card and Use it, even if it is a chip enabled card. 

If as a layman, I can find these information and figure out how I got defrauded, I BELIVE that the SPECIALISTs can do a much better task. 

I tried to resolve the issue with citibank several times. without any luck. 
I got the old card canceled and got a new card. I am using the current one and pay off the amount that I spent during that billing cycle. 

Citi is holding on to the fraudulent charge and charging $ 100+ late charge every month.

That is hurting my Credit score. 

Please let me know if you need any further information.
My name is : " XXXX ( first name ) XXXX ( middle name ) XXXX ( last name ) ''. I am in the process of getting a mortgage and Experian will not report a score for me. Both XXXX and XXXX are reporting a score for me. I called Experian and after spending over 3 hours on the phone with them they can not solve this problem. The reason they are giving is that my last name only contains XXXX letter and their system can not register only XXXX letter as a last name! They even said I should I should add a letter to my last name! This is insanity and goes against every right I have as a citizen. They are basically stealing my identity by not giving me my identity. There are many people in the XXXX with XXXX letter last names so Experian is not recognizing these people. I ask that you tell Experian they must resolve this issue or face harsh consequences. Here is the rest of my information : SS # XXXX. Address : XXXX XXXX XXXX ; XXXX XXXX, NY XXXX. My date of birth is XXXX/XXXX/1988. I can be reached at XXXX. I am attaching my Social Security card and Passport as proof of my identity. Thank you for your time and I look forward to your response.
Paid off mortgage in full on XXXX XXXX, 2016, received a deed of reconveyance which was incorrect according to the State of Alaska Recording office. The Recording office sent it back with instructions on how to do it correctly on XXXX XXXX, 2016. I have still not received the corrected deed of reconveyance from the mortgage company and neither has the recording office. It has been almost two months.
I disputed a negative item on my credit report via XXXX 's tools. I made sure to note that I am unaware of this debt with this company and they are still remaining on my credit. I do not owe this company any monies. I've never had an account with this company. I do not owe ANY creditor the amount they are reporting in excess of {$400.00}. So, I am sure that this is an erroneous debt.
Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with XXXX. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly
This is for a medical emergency and follow up at XXXX XXXX. Veterans Administration has paid with me owing only about {$1800.00} (? ). I like to receive payment history from VA and XXXX XXXX. Where does {$8300.00} come from? Did VA pay XXXX XXXX said amount?
I sent you a complaint case # XXXX and Ditech did not adjust my payment until I called them back a second time about changing my mortgage payment XXXX dollars more a month. While they gave me the run a round two times, they told me that I was to wait until they get back in touch with me and do not worry about paying them and my credit would not be affected. Guess what, my credit was affected after they told me it was their fault that this problem occured and they would correct their error. I have NEVER been late with a mortgage payment until this incident happened. Every customer service person woul always tell me a different reason for the problem except XXXX. She admitted to the problem and she told me it would not affect my credit and said it would be noted on my record and I would receive a letter stating the same. I received neither the letter or correction staing that my credit would not be affected.
I 've received numerous calls from United Recovery systems, XXXX about a debt that I am aware of. I 've expressly asked them to not phone my work telephone number, as my work does not allow these types of calls due to the business we conduct, and to contact me on my personal phone numbers. 

They call twice a day, if not more even after I 've requested they remove my work telephone from the system.
Had an Apartment Debt with XXXX XXXX in XXXX, Ga owned by XXXX. Paid for deletion XX/XX/18 to XXXX XXXX XXXX XXXX Said it'll be deleted by next month reporting. Still on my credit. More Hunter Warfield is reporting on my credit with the same debt. XXXX XXXX said they never received payment. Called XXXX XXXX back, they said they submitted twice to be deleted, won't let me speak with a manager and extremely rude. This has been ongoing for 2months when clearly I paid to delete. Hunter Warfield won't delete because they said they didn't get the payment the other company did. Called back to XXXX XXXX XXXX and XXXX XXXX was entirely rude. Wouldn't transfer me to anyone else or a manager, escalated her voice both times I've called, and was very chastising.
The original loan was taken out by XXXX and then sold to Wells fargo. The loan was for {$20000.00}, with a co signer on it in XX/XX/2007. The co signer has since filed bankruptcy and passed away and Wells Fargo hasnt been willing to help lower payments. Every time i have called in the past year they state i am not eligible for any payment plans or programs they offer, no one ever tells me what the plans even are. The current Loan balance is {$26000.00}. A total of {$13000.00} has been paid towards this loan yet the balance is higher than the original disbursement amount. Wells fargo has been unwilling to help resolve this debt and i have called the creditor numerous times during hardship and they have refused to help with anything.
I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop my credit score as if they are punishing me for asking for them to send me proof of accounts disputing belonging to m e. Equafax just again dropp ed my credit score because I made on time payments and my balance decreased. I do n't know how this can be legal your credit score should go up when balances decrease not when go down.   I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed loan only agreed to remove two late payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's credit score because they dispute negative information and for paying your bills on time.
not only is this debt paid but I have proof from XXXX it is not mine as well as the time it was paid I was living in a furnished apartment XXXX XXXX XXXX, Fl . that did not require me to have electric in my name. On top of that I have filed enormous Identity theft reports with the credit reporting companies and all the debt collectors.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Transworld Systems Inc. contacted me mid XX/XX/XXXX stating my debt with them ( I had a student loan default ) was bought by " another company '' but TSI was continuing the collection services. TSI said they would no longer honor my previous payment arrangement of {$120.00} per month which I have been paying consistently since the debt was bought by TSI. The telephonist was super aggressive and said they would only consider a monthly payment of {$280.00}. They said they would contact my mother ( who was the cosigner ) and begin trying to collect from her and they would not stop until the debt was collected in full. The debt amount is around XXXX. I bargained them down to a figure of {$140.00} per month. I then get a letter from TSI on XX/XX/XXXX ( about a month later ) stating they would " honor '' my " previous payment arrangement. '' I suspect they have this scam going where they attack people and get them locked into a new higher payment schedule before they send out any letters stating they 're obliged to honor previous arrangements.
I am have been currently active in reviewing my credit history and have found accounts in collections handled by XXXX XXXX XXXX which are not accurate nor mine. I have tried asking for documented proof or other identifying proof and the company checks off their database but provides no transparency to myself. 
Ive yet to receive one call or even one letter, no notification has been made to me that I owe on outstanding debts held by them, and yet it is stated on my report. 
Under the FCRA laws I have petitioned documentation and verification of my data, I have petitioned that this be validated to me as well as the manner of such reporting. 

No account number is listed so there is nothing I can reference beyond what is stated in this query. 

I have asked numerous times that this result, which I believe to be a mixed file issue, be resolved. I have yet to have any due diligence or compliance from the company and need help.
XXXX is sideing with a XXXX XXXX XXXX. And another company to charge an amount it's not the right one or a contract that I was never in. I made a complaint about 3 companies that are taking advantage of me in the original complaint I ask for signed contracts but they did provide one the other company is claiming that I owe money for a different amount but again there aren't any prove of annual contracts or any other papers there is a claimed for emergency services of the local hospital but I have two insurance that takes care about any medical balance but again XXXX is sideing with this company but there provide any papers signed I believe thi is fraud helped by XXXX
Partners for Payment Relief purchased our second mortgage while we were paying a " modified '' payment to our lender, XXXX then later sold to XXXX. I went to pay both my first and second one day over the phone and they told me " we cant accept your payment on the second loan any longer, it has been written off, but we can still accept your payment on your first loan ''. We assumed we finally got the modification we had been applying for of principle reduction. A year later, in XXXX we got a letter from Partners for Payment Relief stating we owed them {$18000.00} and demanding a lump sum. We called the number and the guy that answered was rude and would n't accept any " modified '' payment. He wanted to full amount. So we decided to short sale our home since we could n't come up with the amount he wanted from us. After having our house for sale for a year, and two buyers going through the process of offers and waiting we finally were going to close in XXXX of XXXX, the title company called our agent and told us Partners for Payment Relief had already foreclosed on our house the year prior, and waited 12 months to record it, so it did n't show up earlier. Since Partners for Payment Relief did not do the notifications and everything correctly, that act flawed our title and we were not able to reconvey title to anyone. Shortly after we received notice from our first mortgage, now through XXXX that if we continue to pay, everything will work out. So we continued to pay. We have had several attorneys tell us this is a huge fight in front of us to win, and we should just cut our losses. It just seems wrong that someone can remove you from your title, without you even knowing, All along we 've been paying the taxes, and all of that through our escrow, with no notice at all. On top of that, they applied a new lien to the property of {$75000.00} to cover their legal expense. It 's crazy. XXXX also has been collecting our mortgage payments and escrow payments all along, knowing we did not own the property any longer.
Company is calling me in an attempt to reach my brother. I do not have any debts myself that they are trying to collect. 

Several weeks ago, I answered one of their calls ( after they kept trying repeatedly ), and I told them I had no information for them, and that I didn't have a better way for them to contact my brother. I asked them to stop calling me at any of my phone numbers, as I would be of no help to them. 

They have since attempted to call me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I'm guessing they will try again today, XX/XX/XXXX ). In short, they're harassing me about a debt that I do not owe in an attempt to reach one of my relatives when they've already been told that I have no additional contact information for him.
A verification of debt has not been provided by the company. I have disputed this directly with the credit bureaus as I am not aware of the debt. Additionally, the collection attempts they have been made by this company violate FDCPA they have left messages stating that I will be arrested in connection to the debt these are violations and harassment.
I was born XX/XX/XXXX, my credit report states I was born in XXXX, its actually on Experian and XXXX, I have my ex husband 's ex girlfriend who refuses to return our divorce papers and tax returns and I have bad credit because lack of credit. Someone keeps running my credit report and the date of my birth has never been inaccurate till this past year. I need to have it changed to correct year, it is causing to not accurately confirm my identity.
Hi, I never obtained a payment coupon from the company for XX/XX/XXXX mortgage payment, nonetheless, I mailed in the check to their PO Box address that I found on a previous mortgage statement. I mailed the check on XX/XX/XXXX. I checked my bank statement today XX/XX/XXXX and I do not see it cashed. I called Loancare at their customer service and to my SURPRISE they said that they are not longer the servicer to my loan and in addition they have not received my payment. They claim that they mailed me a Notice on XX/XX/XXXX for making the XX/XX/XXXX mortgage payment to the NEW SERVICER. I told them I never got a letter. I obtain the phone number to the new servicer but they are not answering their phone number. I DO NOT WANT TO be charged a late fee and also WHERE SHOULD I MAKE PAYMENT? Please help.
I, XXXX XXXX make the following dispute against a law firm that avoided legal precedent pertaining to a lawsuit I filed in federal court XXXX 2015. Even though this firm was successful obtaining an order of foreclosure on my home, the guidelines have been established for decades of federal over state law intervention. I hereby attach copies of various letters to this law firm, as well as my claim that the XXXX defaulted in the legal process answering the initial legal claim. Even though my federal claim takes precedent, this law firm continued its foreclosure action avoiding my rights under several statutes including my rights under the Fair Debt Collection Practices Act. I request a full investigation on this illegal action against my home located in XXXX, New York. I request the Consumer Financial Protection Bureau to use my case as part of its ongoing process to protect consumers against abusive collection and/or foreclosure processes. My federal claim is still in process in the Northern District of New York, XXXX As Trustee, et al. Even though I still hold possession of my property, this very same law firm has extended its fraudulent practices by submitting an order of eviction with the county sheriff 's department to force egress into my home, evict current tenants and cause other financial hardships that are not legal. My complaint to the Federal Deposit Insurance Corporation and XXXX are hereby attached for review. 
Even XXXX eventually submitted a law firm on record to defend their position giving the case validity. XXXX defaulted on answering the complaint by three months from the legal guidelines. It is the taxpayers of the United States that are eventually paying these extraordinary legal fees to defend fraud being procured against private citizens. The federal case I filed in XXXX of 2015 is still a valid claim, and all aspects of this claim and declaratory judgment must be addressed before any future foreclosure actions can persist. For that matter, the initial foreclosure actions violated my rights under the Fair Debt Collection Practices Act, and an additional lawsuit will be filed against the firm in this matter, Stein, Weiner & Roth, LLP. This abusive process, whereas law firms turn a blind eye on the rule of law can not exist in a society built on rules of law.
I have been engaged in dispute with Wells Fargo Dealer Services, XXXX, and XXXX XXXX XXXX since XXXX. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.
there is a collection on my equifax credit report, # XXXX it was only a checking account and equifax has it listed as a credit card or loan??? how can that be on a checking act only??? Secondly I have paid the XXXX $ and was told to file a dispute. I just got the paper work from the bank. How do I get a hold of equifax?? I would prefer to do by phone??
I have a large amount inquiries that I didnt authorize or have knowledge of. My information was leaking and my private information was leaked and since this breach I recently pulled my reports for the first time and was alarmed at all of the hard inquiries that I was not responsible for nor did I authorize. I submitted a police report and the credit bureaus refuse to help. I am aware that reporting fraudulent information on a credit report is illegal. And this is hindering my ability to obtain credit.