WillisBack/dataset-financial-user-claim huggingface dataset:
I originally called on XXXX. to get a refi. started. I was told no loan officer w was there and I would receive a call back from XXXX in XXXX to 48 hours. I waited 3 days and call, so I called on that day. I was told yet again same thing. no one there and would get a call in XXXX to 48 hours. I said ive already waited and that I really need to get it started. I also asked to speak with a supervisor. not one available. it was on XXXX XXXX or XXXX I finally got a call from a loan officer, XXXX. got it started that day. it was on XXXX XXXX I got a call from a supervisor from my complaint 10 days later. I was hoping to get the refi completed soon because I was having some financial dificuties.during this time. I received phone call from their collections department on my making my payment. on. everytime I called to speak with someone for the refi it would go straight to collections. so I maid the payment so it did n't affect my credit. mean while there was little to no communications from our loan officer. XXXX XXXX. Now here wee are on XXXX XXXX just got a call from collections dept. today about my payment. when I have grace period until the XXXX. and I also had to pay XXXX for an appraisal as well. which was also a big set back. called XXXX today with no answer and call back. please help I feel like I have no where to turn to. I heard about CFPB through another mortage company.
my name is XXXX I a citizens bank customer for over XXXX years my cheking acct was over draft las week they charge me 35 dollars wish a unsdentand but 4 days later they charge me 30 dollars more they said because they said my account has no money \for a total or 65 dollars I call the magnager talk them I wasn agree to pay 65 is too much money the said is the bank law, I not agree to pay almost double the amount is not right n. I can use that money for gas or food thanks
Hello ... 
I was told to go to a company named XXXX and they would give me a Loan on one of my Rental Properties. I went to this company and they told me that I would receive a loan but I asked if I paid the Loan off early would that change my payback amount and they told me no. I refinanced my House and paid XXXX on a XXXX loan but they told me that I still owed them XXXX in which I didnt understand. 
They turned the Loan over to McCarthy Burgess and Wolff Collection agency and they keep telling me I owe them XXXX. I have all my documents from my bank that shows I paid off the loan. 

What can I do?
On XX/XX/XXXX I applied to refinance my car, immediately after a collection account was placed on my credit report by XXXX XXXX XXXX XXXX for a debt I have no knowledge of as if the company has something which alerts them to when someone applies for new credit. I tried to dispute with all 3 credit bureaus, and I received notification that the investigation has been completed and found to be valid as of XX/XX/XXXX. I tried to follow up with the dispute as I do not owe any collections or have any past due debts. I have 100 % on time payments reporting for all of my credit history. When trying to follow up I was requested to send a copy of my social security card and drivers license to add a fraud alert, however this is not fixing the issue of the invalid collection which has been added to my credit report without being verified or researched. This collection needs to be deleted as it has not been verified.
I have tried to contact TransUnion and XXXX by phone, mail and CFPB and the issues STILL hasn't been resolved. I am an authorized user on my mothers XXXX XXXX XXXX credit card. I've been an authorized user since she opened the card in XX/XX/2010. At one point it was reporting with all three company 's. For some reason Transunion deleted it and so did XXXX. XXXX is the only agency that is still reporting the card on my credit report. I've been told to contact XXXX XXXX multiple times which I did. XXXX  XXXX said nothing has changed on their end the credit agencies have to update their system and put it back. XXXX XXXX also sent a letter to Transunion two weeks ago and yet no change. This had a huge impact on my credit score because of their error and I am very unhappy
My student loans that I pay {$290.00} per month for are currently {$62000.00} which they have remained steadily for at least the past year. The company states paying {$290.00} per month of the loan will result in it costing me {$120000.00} overall. I have not missed a payment in years yet it grows higher and higher. The applied my entire last years payments to interest only ( without giving me any option ) and continued to compound interest of my FELP loans as well as my subsidized and unsubsidized. I have been on autopayment for 2 years in order to get an interest reduction but was penalized when I cancelled it for one month. I am not on the lowest plan and in fact am on the middle of 5 plans.
Submitted multiple sets of documentation to Shellpoint overXX/XX/XXXX and XX/XX/XXXXto have loan modified to comps in the area. XXXX XXXX FL homes were # 1 in areas hit hard in the real estate crash ofXX/XX/XXXX. They jerked us around for a year and claimed docs needed to be resubmitted. I want the late charges removed from this account. They falsely claimed docs were incomplete or not received.
CREDIT MANAGEMENT LP XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX {$260.00} Called company and without certain information I could n't provide they could n't process my request
XXXX XXXX XXXX is attempting to damage credit and collect debt purchased from unknown account. Company is not registered with Ohio Secretary of State to even collect where I live
I have contacted ARS numerous times asking for signed proof this charge belongs to me. They have never sent me anything showing proof. This charge is not mine and I would like it removed at once from my credit report. They can not provide me with any original paper work, signatures or ID copies.
this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.
I recently applied for a pre-approval for a home loan with U.S. Bank as a XXXX time home buyer. I was denied stating that my score was too low and to essentially try again in a year. I have been doing credit counseling and have been working on my credit for a while and spoke with my counselor to make sure I would qualify before applying for anything. My counselor agreed that I was ready based on my credit score and report. However the loan officer for U.S. Bank stated that my score was a XXXX which was way lower than the XXXX I had pulled from all three bureaus. When I asked to see a copy of the report that was pulled from the loan officer I was told they ca n't share that information with me. I called customer service with the bank and was transferred several times with each person not knowing if I could get the information or not. I finally reached a guy who told me he would have someone call me with the information in XXXX minutes and that he would check back and follow up. I never got a call from anyone with U.S. Bank regarding this issue and he did not follow up. It is my right as a consumer to have access to this information if I am denied credit.
This account I c systems ( 11 attached XXXX XXXX ) on my credit record!!! has been transferred to a lot of differnt lenders!! It always shows different dates on my credit report when it's an old account because they keep transferring it to different lenders so the dates r always showing recent from this account!! when there actually from years ago!! Dates are not accurate it's an old account!! information is inaccurate!! Disputed it many times with XXXX XXXX to no avail!! This account has been removed from XXXX as of this month!!! It needs to be removed from XXXX XXXX as well!!!
I Wired {$100000.00} from my XXXX  XXXX XXXX account to Coinbase account on XX/XX/. I confirmed with XXXX that the wire was sent out successfully, and with Coinbase 's bank ( XXXX XXXX XXXX ) that the money was posted to Coinbase account onXX/XX/XXXX. However, my Coinbase account still isn't updated with the amount. 

I sent numerous requests ( 10 times ) for a followup, but only have received a standard/automated responses with no detail of what's happening. The money has been missing for over 19 days, and I have no idea if Coinbase is doing anything about the situation.
I received in the mail from my mortgage company Citizens One Home Loans, a document stating that I owe {$2300.00} on Escrow. My loan is set up for me to pay my own taxes. I paid my summer taxes on time, but I did n't pay the winter taxes until after they where due. When I realized it I paid them as well. I send them a copy via fax, proof of payment, with the loan number, and the parcel numbers on them. Now I have received from them on XX/XX/XXXX a new letter stating that, I will have to pay and additional {$190.00}, because they have not gotten proof, of payment of my XX/XX/XXXX taxes, which was sent XX/XX/XXXX. They are now saying that I need to pay the additional payment until they can research the information, and the next payment must include the additional {$190.00}, on my account will reflect partial payment and it will be reported to the credit burial. 
Thank you XXXX
On XX/XX/XXXX i emailed customer care after speaking with the below mentioned representatives. Here is what occurred : I did a pay-by-phone for {$3900.00} to be applied to Escrow in XXXX. It was not applied per the bill dated XX/XX/XXXX. I contacted customer service, spoke with XXXX on XX/XX/XXXX @ XXXX MST. Her ID number is XXXX. XXXX was going to apply the amount to Escrow and call me back, XXXX never called me back nor did she make any changes to the account. On XX/XX/18 XXXX, ID # XXXX called and advised my mortgage payment was late and fees were applied. I told XXXX about my previous conversation with XXXX and the payment over the phone. He issued a ticket to apply the funds to Escrow since XXXX did not. 

I requested an email or letter confirming the matter has been handled and that Freedom Mortgage reversed any fees and they DID NOT issue a late-payment notification to the credit reporting agencies given all of this was by no fault of my own, XXXX confirmed this on a recorded line. I also advised XXXX that I need a follow-up phone call to speak with someone regarding the matter once it has been handled, either later today or tomorrow. I did not receive a letter confirming the events and the matter was closed. 

XXXX did not get the account issues resolved and it appears nothing was done. Because then I received another call from a different rep, his name was XXXX, ID # XXXX on XX/XX/XXXX at XXXX MST. We reviewed the account and its history, he apologized for the repeated mistakes. I issued a escrow payment that day to Freedom Mortgage in the amount of {$3900.00}. XXXX said he would call me Monday morning, XX/XX/XXXX with an update and that he would escalate the account to a manager as well. XXXX never followed up and I received letters from Freedom Mortgage stating my account was past due and that was reported to the credit agencies. 

Then XXXX ID # XXXX called me on XX/XX/2018 at XXXX to tell me my mortgage payment is going to increase. We reviewed the account history and discussed the issues. Resolution is still pending and Freedom Mortgage acknowledged receipt of my written complaint received via email on XX/XX/XXXX.
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
There are XXXX inquires on my credit report that does belong to me XXXX from XXXX XXXX XXXX from XXXX XXXX and XXXX from XXXX I have letters from XXXX XXXX and XXXX XXXX to remove the inquires and XXXX said they sent letter to bureaus over the phone to remove over 60 days ago Equifax acts like nothing has been sent even though my self have uploaded the documents and faxed them over. Need these removed for Equifax and XXXX Which has the XXXX XXXX and a XXXX which like XXXX said they sent over to credit bureaus over 60 days ago.
On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XXXX, TransUnion and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.
Acct :  XXXX   XXXX   XXXX   XXXX  Payment was iniatted and completed o n  XX/XX/XXXX .    XXXX  Internal transfer occurred in approx.   XX/XX/XXXX  Auto paym ents were disabled, due to unkown reasons.   XXXX  Customer,  XXXX   XXXX , reported difficulties making payments.   XXXX  Other payment attempted for varying amounts but were not successful. We believe that  this may be a  wells fargo system issue. Attempts to clarify with Wells Fargo were non-conclusive to date.   XXXX  Currently, the account is is collections and has adversely affected th e credit score of both the owner (   XXXX   XXXX   ) and the guarantor (   XXXX   XXXX   ).
On XXXX/XXXX/XXXX ... XXXX ran my credit without my authorization and I didnt know the company but on my credit report is says XXXX XXXX XXXX. I did not tell this company to run my credit for a car. This was very dishonest of them and I want the inquiry removed from my credit
I find it criminal how payments are handled. I graduated in XX/XX/2010and starting paying back the loans upon graduation as required. I have been using the Autopay system and often pay more than owed ( for example, paying {$140.00} instead of {$86.00} monthly ). My original loan was for {$7500.00}. According to my most recent statement, I have paid {$4200.00} towards my principal from the start date of my loan and {$3400.00} in interest since the start date of my loan. After fees ( {$13.00} XXXX for an unknown reason, I have now paid {$7700.00} yet I still currently owe {$4900.00}. Nelnet, along with other loan companies such as XXXX, have made it nearly impossible for me to survive. I find it unacceptable how payments are applied ( primarily to seemingly unending interest ) so that I will be paying on this loan for another 10+ years when I have already been paying faithfully every month for 8 years.
calls more than 6 times a day sometimes automated sometimes a rep will call threatening phone calls.Advised Im I a non profit payment plan and still want me to make payments on the side.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
On XX/XX/2018 I received a call from XXXX XXXX XXXX out of XXXX, AZ. They called asking for a member of a church I use to attend. Im not sure why they had my personal cell number but they did. They asked me was I this particular individual and I said no. They then proceeded to ask me if I knew the individual and I said yes. They then started verifying this individual 's information as if it were me. I quickly stopped the guy and stated, this is a breach of confidentiality and you have no right to verify another individuals information with me. This person could be an enemy of mine and you just gave me their address. He stated his name was XXXX XXXX and was just trying to gather information. This was improper and a breach of the " unnamed '' individuals confidentiality.
In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. BMW Financial Services a.k.a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.
In XX/XX/XXXX XXXX ( XXXX ) XXXX {$500.00} Prepaid giftcards were depleted of nearly entire amounts through fraud ( {$1300.00} ). Soon after I contacting XXXX who turned me over to their vendor US Bank. In XX/XX/XXXX I made follow up call wondering why I had n't heard back. US Bank Operator said it takes up to 120 days before I will be contacted by phone with further instructions on how to proceed. No response. I call back again and spoke to another operator in XX/XX/XXXX. She has me fax all info and receipts to fraud dept. In addition, each card has a small balance still valid and unused. The operator closes the cards out but assures me the remaining balance 's will be applied in my refund. two weeks later in XX/XX/XXXX I receive a refund balance of {$14.00}. I spoke to another US Bank operator and explain the refund amount is wrong. XX/XX/XXXX I receive letter claiming I had n't filed complaint within 120 days of fraud activity and they will not refund my money. I call XX/XX/XXXX US Bank supervisor informs me I had n't submitted complaint within the 120 day window from original XX/XX/XXXX fraud. I inform her, clearly mistakes are being made from US Bank regarding my multiple attempts to reach a resolution. She tells me, Sorry, the case is closed, No refund. The fact they sent me a new card with a balance of {$14.00} contradicts the 120 day filing policy excuse, why is that not subject to their rule also?
I hired a Credit Repair agency XXXX Law Firm to have World Acceptance Company verify an item listed on my account, I tried to request the same items twice and was rejected. XXXX XXXX the XXXX of XXXX XXXX sent out XXXX letters denying my request. I have sent pay to delet offers and received no response. This debt collector is in clear violation of Fair Debt Collection Practices Act Section 809 Validation of debts 15 USC 1692g.XXXX XXXX deemed my request enacted by the F.D.C.P.A as " Frivolous '' as it is my fiar right as an American citizen of the United States of America to request account validation without roadblocks halting my consumer request. I am requesting that this company supply me with all documents requested without prejudice or hesitation as I have given my full name, address and contact information several times as listed in several documents sent out to World Acceptance Corporation.
On XXXX XXXX, my husband and I sent a letter to Equifax requesting that they investigate errors on our credit report. My husband received the results of his investigations in XXXX. Several more weeks have gone by, but I have yet to receive my investigation results from Equifax. I have called and written follow-up letters, but I still have n't received my updates.
I was approved for a {$500.00} loan through Big Picture Loans. I was unaware of the 850 % interest rate that would result in a {$4000.00} worth of payments also they had starting auto debiting my checking account for {$200.00} bi weekly. I was not able to see the truth and lending disclosure until after the funds were delivered to my bank account, There is no billing statements or any mail being delivered to my address from this company, to even show what date your account is being debited they only send an email stating they took money from your account. I feel this Illegal.
I have dispute this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
I had a FHA Mortgage and was doing a Short Sale with XXXX XXXX. My loan number with XXXX XXXX XXXX was XXXX and my loan number with Carrington Mortgage is XXXX and the property address is XXXX XXXX XXXX, XXXX, NY XXXX. 

The Real Estate Broker sold the property for {$240000.00} to a cash buyer ready to close but XXXX XXXX XXXX sold the property to Carrington Mortgage for {$680000.00} instead. 

XXXX XXXX and XXXX XXXX who work at Carrington Mortgage changed the lock on the house and lock the owner out of his house.XXXX XXXX tried to bribe the homeowner by promising to give {$10000.00} to the homeowner if he would sign the deed transfering the house to him.I have the email to prove it. 

Recently, XXXX XXXX broke into the house and renovated the house and listed the same house for XXXX This house is still owned by XXXX XXXX according to the property record.XXXX XXXX and XXXX XXXX should be arrested today.
Accounts Control Technologies with phone number XXXX called my employer today XX/XX/XXXX. My employer in turn relayed message for me to call back company. Unfamiliar with the company and its products and services, I XXXX them up and discovered they are debt collectors. I have no business relationship with them, and I do not know what and for whom they are collecting for. They have not sent me any written communication to allow me the chance to dispute. Them talking to my employer I feel is harassment and defamation. Is this a violation of consumer protection law?
Re : Case number : XXXX. This complaint was submitted on XXXX/XXXX/16 and no one has contacted me about getting an additional debit card. I need an additional debit card. The fact that it has been 2 weeks and no one has even bothered to contact me or send me my card. This just proves that Bank of America treats its senior XXXX veterans very shabby.
Sometime last week a representative from Midland Funding called me to set up a settlement amount from A Debt from XXXX XXXX bank that is not owed By me. His name is XXXX XXXX. He told me to pay the debt by XX/XX/XXXX and I do n't have to worry about it reporting to the credit bureaus and he would have the original XXXX ( XXXX XXXX Bank ) remove the account off my credit report. I then requested him to send me a letter stating that he would do that in writing before i make the payment. On XX/XX/XXXX I received a letter from Midland Funding about the settlement demand but it does n't indicate that the deragatory will be Removed. Today which is XX/XX/XXXX, I received an alert from experian indicating that I owe XXXX from XXXX XXXX bank as a Derogatory collection. This Collection agency not only made a false XXXX but they are reporting the same debt at the original XXXX ( XXXX Bank ) on my credit report which makes it a double Derogatory for the same thing. They did n't keep what was promised to me to make the payment before XX/XX/XXXX. They also informed me that it would not be Removed from my credit report once paid as XXXX of the other represenatives promised me. It is illegal to report inaccurate information on my credit report and treat me unfair like that. This is very damaging to me and my life, my family and is a XXXX of my character. This should n't be On my credit report and should be Removed and I request