WillisBack/dataset-financial-user-claim huggingface dataset:
I reviewed my Credit Report by Experian and noticed a 30 day late payment on my XXXX Card account from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I entered into a Credit Counseling program which was approved by XXXX XXXX. All payments since entering into the program have been paid as agreed. I submitted a Dispute with Experian 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 XXXX 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 XXXX 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.
I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.
I have disputed inquiries on my Equifax credit report and asked for proof of the inquiries or delete from file. Proof was not provided. Instead I received a letter explaining inquiries. I do not need an explination of what an inquiry is. I proof or a deletion of all inquiries.
TransUnion and XXXX XXXX XXXX was sent an initial dispute letter in XXXX 2017 of an incorrect reporting of a collections on my credit report. Both companies have been sent 3 letters with 2 being delivered certified by mail letters in which XXXX XXXX never responded and TransUnion claimed to do an investigation and stated information was verified and updated. After asking for a reinvestigation from TransUnion and demanding for detailed documentation of an original signed contract and the persons first and last name of whom TransUnion spoke with at the collection agency to verify that this collection account that is listed as XXXX on my credit report is in my name. I also asked for specific steps TransUnion took to investigate this collection, in return all I keep getting from TransUnion is " We verified that this item belongs to you. We have verified that this item has been reported correctly '' and still showing the same info to me as listed on my credit report. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me 3 ) Last Payment Date listed as XXXX/XXXX/2017 is inaccurate and does n't exist. 4 ) Listed as an open account. TransUnion has violated the FCRA rules by not investigating this account properly and I 'm requesting this collection to be deleted from my credit report immediately.
I'm attaching an email I received from Paypal in regards to holding a payment that I am rightfully owed. I posted items on XXXX, a person purchased my item and immediately paid via paypal.. 

Paypal believes it's in the right to hold funds for 21-30 days ... I challenge this right and demand my money, as I have released the purchased item without any security of payment deposited into my acct.. 

I also want to confirm, the direct deposit checking acct the payment should be depositied as : Routing Number ( last 4 ) XXXX Acct Number ( last 4 ) : XXXX
On XXXX XXXX 2017 I found out that my personal information along with millions of others was mishandled and compromised by Equifax. I am listed as a potential victim according to their equifaxsecurity2017.com
I was inquiring about a loan modification. I called the bank and was told that wasn't a option. I then started the short sale process but seem to get the run around with the company that was servicing the mortgage for XXXX XXXX. So the house went into foreclosure and the bank never served me court papers for said court date. I only was made aware of this process while doing a court search myself. I was going through the paperwork filed to the courts and realized that Select Portfolio Servicing ( SPS ) filed fraudulent paperwork to obtain this foreclosure in the first place. I filed a motion to ask the court to look at this matter but they couldn't do anything to help. I have attached a copy of the filing that I submitted and page 6 through 10 are the paperwork that Select Portfolio Servicing ( SPS ) submitted to obtain the foreclosure in the first place. If you look that the motion you can see where they cut and pasted parts of the contract to help them obtain the foreclosure. The contract on page 8 ends with paragraph 11 and then on page 9 it starts with paragraph 18. They cut out 12 through 17 in the contract.
I have submitted XXXX complaints prior to this concerning the same company about calling me and harrassing me over the phone. I as well have sent this company a cease and desist letter about understanding my rights. I have also changed my phone number. They have called me at work and now they have again managed to find my new phone number and begin harrassing me more. 
I have explained to them i am under financial burden with a new job carreer that has cut my pay dramatically however they cintinue to harrass me. 
What does it take to get them to cease and desist. 
My attempts have no avail.
My parents did a reverse mortgage with XXXX XXXX XXXX in XX/XX/XXXX. My dad XXXX 5 years ago and my mom just XXXX a year ago XX/XX/XXXX. I am the sole heir and the only family member left. I had been living with mom for 3 years taking care of her. This has been my childhood house since XXXX grade! Long story short, I got my name on the house and have a buyer who is waiting for the payoff amount and the mortgage company refuses to give it to me. The house goes up for auction XX/XX/XXXX and i am still not able to contact them. They have given me wrong numbers and i have left messages every day and they have yet to return my calls. I have been trying to reach them since the XX/XX/XXXX. They will not give me a payoff in a timely manner. 
The sale is due on the XX/XX/XXXX and foreclosure is the XX/XX/XXXX.

This is very stressful for myself and the buyer and I originally tried talking to them in XX/XX/XXXX and I could not talk to a manager or anyone in a higher position. They lost my paperwork and I had to resend it. I also noticed that my mother 's name is misspelled on the Notice of Trustee 's Sale document. They have purposely delayed things so I am in jeopardy of losing everything. This is unprofessional and very unfair. XXXX XXXX XXXX XXXX is also involved in the matter. 
Thank you for your time and consideration on this matter,
I received notification Ability Recovery Services , LLC is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against Ability Recovery Services , LLC, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, Ability Recovery Services , LLC and XXXX XXXX. I will be retaining legal council! Ability Recovery Services , LLC is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!
This complaint is in response to Ocwen Loan Servicing LLC - agent / in parity with document custodian XXXX XXXX trustee - for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates XXXX Ocwen 's XXXX number : XXXX - Reference previous Complaint -CFPB- XXXX Ocwen XXXX Dated XXXX The XXXX is not of issue nor discussion, as XXXX was the secured XXXX XXXX to XXXX XXXX and the XXXX XXXX XXXX. The Trust took an insurance write off for the BK- per SEC XXXX XXXX 
Ocwen obtained a charged off account as per their own ledger. Ocwen in cahoots and parity with XXXX intended to steal and deceive by concealment and fraud for unjust enrichment through a foreclosure mill XXXX XXXX XXXX XXXX XXXX and XXXX XXXX OcwenXXXX created a Collateral file ; had to validate the debt and violated FDCP by wrong amounts owed and claimed false Note holder- the document custodian trustee- XXXX XXXX XXXX There is NO valid lien. The ONLY lien on subject property was with the prior owner for XXXX through GMAC. The chain of origination and holder due course UCC XXXX FAIL. IF Ocwen and XXXX in parity are not forging documents- why NOT file a proof of claim in Court to show the valid transfers as how they obtained a blank note. In addition, Ocwen forged my signature THAT is robo signing. Ocwen 's 305 page response on XXXX is false and additional evidence of duplicate Deeds versions of one original. 
Ocwen 's response is FALSE and deceptive- also criminal- the Deed does NOT give permission to break in my condo and stalk me- paragraph 5 page 1 and 1st paragraph page 2. ONLY IF THE PROPERTY WAS ABANDONED can the LENDER enter to make repairs. THAT is why they offer {$3000.00} for keys- to avoid Landlord Tenant Court. OcwenXXXX trustee for XXXX is NOT the LENDER. Ocwen submitted Fake HAMP letters never sent ; XXXX has not responded to the fraudulent Deed Transfer created by Ocwen and XXXX XXXX XXXX XXXX, as XXXX can not transfer something they do not have only RECORD submittals. Ocwen submitted several versions of the Deed some stamped with Lending Connection some not. Ocwen submitted fabricated documents back dated and they do NOT take robo signing seriously- as they would have done a better job than using XXXX XXXX and NO dates!. In their own admission, they submitted 305 pages of fraud to add to the other 150+ page ledger as they created documents. XXXX XXXX XXXX did mot stamp that " Note without Recourse '' or they are selling blank notes under XXXX XXXX protection. XXXX XXXX has not admitted to doing as such but Ocwen certainly put it in their ledger scanning and endorsing from XXXX XXXX to XXXX XXXX in Blank. Where is XXXX XXXX XXXX or document custodian XXXX XXXX? 
Pager 119 Of the Ocwen Ledger when they forged my name bled on page 120 of the XXXX XXXX exhibit.
In   XXXX   XXXX   XXXX     I refinanced my home with Nationstar mortgage  ( See  attached loan closure document ) to lower my payments from {$2600.00}. At this time I had an escrow account balance of {$10000.00} which was to be transferred over to the new loan. After the refinance my mortgage payments were to be {$2200.00}  XXXX   XXXX   XXXX    XXXX   statement ). I made these payments for  XXXX ,  XXXX , and  XXXX .     In  XXXX  I received a letter that my  XXXX  payment had not been received. I called to inquire as to what happened as my bank account had been debited. I was told that I had an escrow shortage of approximately of {$9500.00} which was due to them having to pay my taxes and me not having enough money in my escrow account to cover the costs and that my new payment was {$3000.00}. I explained to them there must have been a mistake and questioned them as to what happened to the money in my escrow account. They said they would look into it and get back to me but it looked like it was used for loan fees.     After further investigation it was discovered that Nationstar 's escrow department had made a mistake and paid for my taxes twice. As a result they were demanding that I still pay the additional {$800.00} in fees until the tax company could return the over-payment. I refused and came to an agreement that I would only pay an additional {$61.00} per month until the over payment could be returned.     The tax companies have refunded the over-payment and now I have requested to have my escrow account closed because of how they handled this situation. I was sent a denial letter and I have been told during a follow up phone conversation that I can not close my escrow account because of a RESPA law that states I must have the loan 12 months before I can close my escrow account. I have researched the RESPA law and have not been able to find anything that prevents me from closing out the escrow account.      ( See attachment entitled Nationstar escrow dilema for further details. )
XX/XX/2014 A BROKER WITH XXXX XXXX XXXX, XXXX XXXX MISUSED FUNDS OF MINE ( SEVERAL ANNUITIES ) ADDING UP TO XXXX DOLLARS WHICH SHE INVESTED WITH XXXX XXXX XXXX.ONE ANNUITY IN THE AMOUNT OF XXXX DOLLARS WAS RETURNED TO XXXX XXXX XXXX BY XXXX.HOWEVER THE REST OF THE MONEY MYSTERIOUSLY DISAPPEARED.MY SIGNATURE WAS EVEN FORGED AT TIMES.WHEN COMPLAINING ABOUT THIS TO XXXX XXXX, CAPITAL ONE RELATIONSHIP BANKER NMLS # XXXX SHE CONFIRMED THAT SOME OF THE MONEY WAS MISSING, AND STATED THAT XXXX XXXX WAS NO LONGER EMPLOYED THERE.THE BANK DENIED ANY WRONG DOING. I WENT TO THE BANK SEVERAL TIMES AND WAS TREATED IN A VERY CONDESCENDING MANNER WHICH MADE ME FEEL LIKE A FOOL.I, CUT ALL TIES WITH XXXX XXXX XXXX AND TRANSFERRED THE REMAINING MONEY TO ANOTHER BANK.
XX/XX/2013 a Collection account was placed on my credit file. Amount {$240.00}. 

There has been no notification of this debt. I have mailed this collection agency twice with no response.
Bank of America 's Escrow Department failed to pay my property taxes in a timely matter and failed to provide me with the escrow funds in a timely matter in which I could pay my property taxes prior to incurring a penalty. My taxes were due on XXXX XXXX 2015, on XXXX XXXX 2015 I paid the full loan balance of my mortgage with B of A and they waited till XXXX XXXX 2015 to refund my Escrow and even through they knew the taxes were due, failed to make the payment prior to the delinquent date of XXXX XXXX 2015. By the time I received the funds and understood they had failed to pay my taxes when due, I had incurred a penalty of {$170.00}.
XXXX XXXX transferred me to a Company named Loan Care whom is still affiliated with them. I had been working on retention options with XXXX until the loan transferred. Once the loan transferred is when my account started falling through the cracks. Every time i called Loan Care I would be transferred to many different departments about 6-8 times since no one there knew how to help me. I submitted my application for retention options on XX/XX/XXXX, just days after it had been transferred. I kept being told that the application was in review for months. On XX/XX/XXXX, I was advised that they needed additional documents and that they would email me with the request. When i received the email, i was shocked and confused by the documents requested. Loan Care was requesting preliminary documents to sell my home and they advised that there was a sale date of XX/XX/XXXX. I never requested to sell my home and for months had been told that my file was in review and there was no sale date. Now they are forcing me into selling my home and telling me there are no retention options, my home is going to be auctioned all because i have an HELOC. This could have been told to me months ago before. Today, i received a letter in the mail stating that I can apply for loan modification options. Every package i submitted, i never received acknowledgement letter, i was never able to speak with a specific person and now i am losing my home. Please help me. i can not lose my home.
While talking with XXXX XXXX at XXXX XXXX XXXX about the debt in question I disputed the validity of the debt. After getting him to send me an email of what was owed and to whom I informed him that I did not know this was on my credit report and I would be disputing the entire debg. It was at that time I was called various names and profanities. This seemed completely unaceptable for anyone, especialy someone talking with people all day. After XXXX  the company and person I found that this is something this person does to alot of people. I received another message saying that the conversation was recorded and hope that can be used to stop this for anyone else.
I need help I am behind on my mortgage but I sent in a partial payment the mortgage company is holding that money not applying it to anything, any time I send in money to go with that amount to make a full payment it is sent back to me. I continue to call, email requesting the money be refunded to me but they refuse. If I had those funds I could make a full payment but they are just holding it.
I received an application for another citi AA card with XXXX bonus miles if I purchase {$3000.00} with first 3 months. I have had my primary card for approx short of 2 years and has been in excellent credit history and payment history. I was surprised that they were asking me to apply for a second card, but I figured the extra mileage points were a welcome and they would waive the annual fee for the first year. I applied for the card and I was accepted. I remember reading that I had to purchase {$3000.00} within first 3 months of the the new card to get the rewards. WHY because I could not find any mention of ANY rewards with my new card on line until I called customer service and was told of the terms I have stated above. I also submitted a comment that there was no mention of awards on my new card. Now after months of back and forth with CITI customer service on line with form letter responses, I finally get a real response from a senior complaint specialist stated that " from time to time we send promotion to customers who dont qualify for the promo even if they open a second account, our apologies but sorry '' They are contending that since my first card was less than 24 months open ( 21 months in XXXX ) I was not eligible for rewards but did get a second card which I have charged over XXXX dollars already. 

I stated that they have misled me and I would have never opened a new account if I knew that I would not be eligible for promo mileage bonus. I have been an exceptional customer and a fairly educated man and I can not believe that they can get away with this irresponsibility. This is wrong! Flat out wrong and misleading! 

I hope you can get through to them since I can not. 

I appreciate your help Sincerely XXXX
I subscribe to XXXX XXXX XXXX XXXX services so that I may pull my credit reports twice monthly. I attempted to pull and generate a " Printable Report '' on XXXX/XXXX/2016 and that report would not render correctly or completely. XXXX XXXX XXXX XXXX stated other customers are having the same problem. The problem seems to be the XXXX XXXX XXXX XXXX report rendering process as the XXXX/XXXX/2016 report I pulled and saved to my file system displays properly but attempting to redisplay on the XXXX XXXX XXXX XXXX site does not render the report correctly or completely. XXXX XXXX XXXX XXXX states this is an Experian problem but they have no way to obtain a problem resolution status or expected problem resolution date from Experian. Experian sent me a email saying they are working on the problem, but have not provided any updates. Attempts to respond to Experian 's email result in mail rejection due to a full inbox. Bottom Line is XXXX XXXX XXXX XXXX states they have no way to resolve or communicate with Experian technical support and there is no way for me to contact Experian technical support.
I responded to an offer for a credit card. The offer stated {$75.00} fee for 500 in credit. I accepted and used the card once in XXXX with a purchase of {$65.00}. I then tried to use it and was told the card was restricted. I called but was unable to get a reason for the restricted status. I never received a bill or an explanation and when checking my credit report there was a delinquency and an amount due if {$200.00}. I am disputing the amount owed
Dear CFPB : A collection agency, XXXX XXXX XXXX or XXXX sent a standard form letter advising I owed XXXX {$30.00}. I disputed the debt and requested they provide validity of the debt. They subsequently sent the same standard letter provided the first time. 

As a result, I provided evidence that the debt was paid in full over a year ago and again asked for concrete proof that an additional {$30.00} was owed. Instead of providing the additional evidence, they forwarded the debt to another collection agency ; the account number, amount of debt are all the dame, excpept a new debt collector, Diversified Consultants XXXX Inc., is now assigned. 

It appears the debt collection is a scam or sham. The debt collectors are in violation of the Fair Debt Collection Practices Act. Instead of providing validity of the so-called debt that is in dispute, they simply transfer collection responsibility. The end result I am being hassled with having to enforce my rights against a bogus claim which is wasting my time and energy. 

In addition, they are not in compliance with the 30 day notification requirement. They date their correspondence one day and the postmarked is a much later date and by the time I get the mail I have XXXX14 days to respond. I ask that you investigate these companies as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX CCS File Number : XXXX XXXX XXXX or XXXX Diversified Consultants , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX File Number : XXXX thank you very much for your assistance and cooperation in this matter. If you have questions please let me know.
I am unfortunately a victim of identity theft at Capital One Bank.
It seems as if some fraudulently opened credit cards were opened in my name.
I 'd like for them to be removed from Capital One 's system and also my credit reports
GC services has been harrasing me for years. My sons student loan should have been dischargesdischarged in 2007 when he passed away. They call me repeatedly on my cell phone after asking them to stop calling, now they are calling my employer. 
They are rude and upsetting to me because the lady keeps saying she does n't care my son died.
I found out that PayPal has done a credit inquiry. I never intentionally signed up for PayPal Credit. I only signed up for a PayPal account so that I could purchase items securely online. I 've turned down many credit card offers because I heard that the credit inquiries destroy credit. Now my credit has been impacted by an inquiry for credit that I never wanted.
XX/XX/2018 i went in my local branch in XXXX ga, to close my checking account and saving account, i spoke to the Head office over the phone and in person they advise me they will not close my acconts, as well they let companys take advange of my checking and countiune to let the companys, countiue to over draft my cheking, and the creadit union kept appling {$36.00} overdraft fees, name of the company that has the account transworld system inc, i do not owe {$910.00}