WillisBack/dataset-financial-user-claim huggingface dataset:
When the property went underwater, a loan mod by XXXX was declined. Foreclosure followed. After years the lawsuit was settled. the consent agreement is attached, paragraph XXXX states : XXXX. Plaintiff and all of its agents and assignees agrees to waive and release Defendants from any and all actions, causes of action, suits, claims, demands, liabilities, obligations, damages, trespasses, whatsoever, known or unknown, express or implied, vested or inchoate, at law or in equity ( hereinafter " Claims '' ), from the beginning of time up to and including the date of this Agreement. This release only relates to the loan that is the subject of the instant foreclosure action. 
Nevertheless XXXX filled negative reports to the Credit Report Agencies, harming my score. 
After the consent settlement XXXX sold the note to a Trust, see attached Motion to change lawyer. BSI Financial Services is the servicer for the trust. 
Neither XXXX nor BSI informed me about the transfer of the note as required under TILA, FDCPA and FL STAT XXXX. 
In a Motion to cancel the foreclosure sale ( attached ) BSI states they send a letter regarding Loan Mod, as of today we have not received this letter. 
Furthermore BSI reports to the Credit Report Agencies that we are in foreclosure on the same note. 
Threw this reporting my credit was heavily damaged, now I am unable to get a new loan do to the low credit score. Nevertheless it is a violation of the consent agreement too.
On XX/XX/2018 after obtaining my credit report I contacted Experian Credit Reporting Agency via phone call regarding inaccurate information on my  report. Errors such as variations and misspelling of my name, addresses that belong to family members that i have never resided with and addresses i have no association with at all. In addition to inaccurate and outdated remarks, payment statuses and history on accounts that have been included in a bankruptcy that has been discharged, i also found unauthorized inquiries. The first representative i spoke to advise me that they do not investigate inaccurate information and i needed to contact the federal trade commission. I asked to speak to someone in a higher department who than said that some of the information can be disputed but not all. After some back and forth she agreed to transfer me to a department that handles disputes and was going to take care of my concern after she places a security fraud alert on my file. I resisted and she insisted that was the only way to dispute the errors and transferred me to a representative who than informed me that a security fraud alert has been placed on my report and that i needed a police report and i can not file a dispute. I ask to speak to a manager and one wasn't available although i was willing to wait how ever long.
XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.
In XX/XX/XXXX, I became delinquent with a business credit card account with XXXX XXXX. XXXX XXXX reported my delinquency with the three major credit bureaus ( Experian, XXXX, XXXX ). They also hired a collection agency to collect the debt. I reached a settlement agreement with the agency and paid the agreed amount in full per the contract. As soon as I paid the full settlement amount, that is when all my problems began. It has been a nightmare of process that is still ongoing and has severely hindered my ability to get credit and financing ... things that I rely on and need both personally and for my business. In short, as soon as the settlement was paid, all three bureaus reported incorrect dates on my personal reports essentially " re-aging '' my debt. The issue solely stems from the DOFD or " Date of First Delinquency ''. The correct date of the First Delinquency is XX/XX/XXXX. Currently, all three of the credit bureaus have different dates listed for that delinquency. The most damaging is Experian, who has the First Delinquency date of XX/XX/XXXX. They also removed all the history of the XXXX XXXX account with an exception of one date ... that being XX/XX/XXXX. Please note that I personally contacted XXXX XXXX and they have CONFIRMED the First Date of Delinquency as XX/XX/XXXX. Now, after the confirmation with XXXX XXXX, I sent registered letters to all three bureaus TWICE to dispute the incorrect information. The first was in XX/XX/XXXX ( as soon as the saw the drastic change in my report and massive drop in my credit score ). All three bureaus responded with letters stating that the account was " updated ''. However, nothing was updated in all three reports. I then sent the SECOND set of registered letters to all three bureaus in XX/XX/XXXX stating the information I provided to them was verified by the creditor ( XXXX ). Additionally, I asked them all to please tell me how they were able to " update '' or " verify '' the account. I also stated that because they all have the information incorrectly reported, even after my disputes, BY LAW and the FCRA, they must delete the entire account since they can not get it correct. Unfortunately, I received the SAME EXACT RESPONSES from ALL THREE OF THE BUREAUS with no change to my report. They just sent me generic letters with absolutely no answers whatsoever. As it stands today, my personal report is still incorrect and even more frustrating, all three bureaus have different information for the same XXXX XXXX account. The entire process has been a nightmare and has wrecked me both financially and mentally. I DO NOT know what to do at this point. I hope that the government will assist me in this matter.
I have tried to dispute some of my student loan accounts with TransUnion several times and they have refused to take action. I 've contacted the  Creditor several times and they have confirmed verbally and in writing that my accounts are not delinquent. The Creditor has also contacted TransUnion to inform them th at their information is inaccurate. This has been done electronically, by phone, and in writing and still TransUnion has failed to act.
Called repeatedly using different tactics nd different phone numbers. Said they are legal dept. and then said they are mediators. Claimed they were going to serve me court documents and have last of my social security numbers, My attorney then called and they said I owed payday loan in amount of {$990.00} which I have never had. They have called my mom and my sister on separate occasions looking for me which is ironic since both myself and my attorney have spoken with them and told them t9 stop harassing me. 

Phone number : XXXX XXXX XXXX number that has called me repeatedly
On XX/XX/XXXX, 2017, I attempted to download a " Proof of Loan '' PDF document, which I do monthly to obtain student loan repayment assistance from my employer ( see attachment for example ) ; however I could not locate the Proof of Loan documents online. I contacted Navient for assistance, and the phone representative told me the feature that generates Proof of Loan documents is no longer available and the only way to obtain day-of loan information is to take a screenshot or print the online loan details. This is unacceptable as I am sure many borrowers need formal day-of Proof of Loan documents for mortgages, student loan repayment assistance, etc. The removal of this feature will cause future harm to many Navient customers, including myself.
I am looking for help with our housing situation. Ive been a customer of Ocwen Financial Corporation for over 10 years, in those years Ive applied for mortgage modification and have been denied many times. I have an adjustable rate mortgage that is currently 6.5 %. Since XXXX, I have been upside down in my home value. I didnt walk away, Ive held on and I have tried to do the right thing. My mortgage has doubled and continues to increase. I cant get Ocwen to do the right thing and modify my loan to a standard home loan. In XXXX Ocwen accepted approx {$50000.00} from the Hardest Hit Fund and they continue to want more. I am now at risk of foreclosure as my mortgage  continues to increase. 

In XXXX, we went from a dual to single house home income after my wife became sick. Ive used my savings and now tapped into my 401k. I can no longer risk and spend my retirement to save a home from a company that doesnt make an attempt to make things right. 

I can send more information including the total income they have received from me in over 10+ years. I look forward to hearing from you and can get into more detail. 

Thank you for taking our case.
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I am writing to complain of obnoxious debt collection tactics used by national Recovery Agency, which I request be removed off my credit report. National Recovery states I have opened an account with XXXX, which I have not done any business with. I have been a victim of ID theft and have thus placed an alert on my report. I request that National Recovery Stops harassing me, and reporting negatively to the Credit Bureau about a debt/account I do no owe nor opened.
Listed as a fraud victim in XX/XX/XXXX due to in accurate unauthorized items on my credit report. 
I have disputed previously but still shows on my report.

NATIONAL CREDIT SYSTEMS   XXXX XXXX XXXX XXXX 
XXXX, GA XXXX(XXXX) XXXX 
Placed for collection:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Open Account
Loan Type:	COLLECTION AGENCY/ATTORNEY
Balance: $XXXXDate Updated:XX/XX/XXXXOriginal Amount:$XXXX
Original Creditor:	XXXX XXXX XXXX  XXXX (Rental/Leasing)
Past Due: >$XXXX<	Pay Status:>In Collection<
Remarks: 
ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 
XX/XX/XXXX
XXXX claims that I ruined a couch they furnished to me. The couch in my apartment was perfect when I left it. They only sent a final notice letter to me to collect for it six months after I moved out of the unit. When I asked for pictures of the " ruined '' couch, they sent a picture of the underneath of one couch cushion that had a stain on it with a date marked on a dry erase board. They could not even prove it was the couch in my apartment. Even if it was, I did not cause the stain, and a small stain on the underneath of one couch cushion does not warrant a {$500.00} charge for a new couch. I tried to negotiate with them, saying I would pay for the couch if they gave it to me. They told me they no longer had the couch. They have no proof this couch was even the one in my apartment.
I had a secured credit card with a limit that i deposited of XXXX and had made a few payments from my personal bank account. I had to pay an unexpected auto expense and the payments I had made returned from my bank. After calling and speaking to capital one the representative advised me that is in violation of their policy after kindly explaining the situation and she said that they would be closing my card and taking all of the money back that any remaining balance after they took out their fees and cleared any payments that are pending the would take it all and i would not recieve anything back which is not my understanding of how the secured card worked.
Equifax improperly stored my personally identifiable information and it was divulged in a security breach earlier this year. It will now be more difficult for creditors to positively identify me when I apply for credit for the rest of my life. This is entirely unacceptable and Equifax should be pursued to the fullest extent of the law. Equifax is currently only offering me help and restitution if I agree to waive my rights to legal arbitration, which is also unacceptable.
Automated calls from " XXXX with Capital One '' calls my home phone excessively all times of the day, claiming that she can offer a solution to my credit problems. 
My XXXX account with them in not delinquent and is current, and has never been late or missed. 
I have called them XXXX to request my number to be removed. 
I am registered on the Do Not Call list. 
Most recent Call history from them:XX/XX/XXXX @ XXXX @ XXXX @ XXXX XXXX @ XXXX
We sold our home and the mortgage was paid off through XXXX XXXX XXXX on XXXX/XXXX/16. Several weeks later I was contacted via phone by Round Point Mortgage saying I owed them an additional {$400.00}, that the pay off had been short. I contacted the title company and they requested something in writing to show the shorted amount so it could be paid. Round point would only tell them to wire the money to the same place as the rest of the pay off but would not submit any proof of the shortage. Both myself and the title company have made multiple attempts to get speak with the mortgage company. Usually being on hold for near an hour at a time. They will not send me my escrow balance. Per the attached documents you can see the the loan was paid in full. My escrow account has a balance of {$1600.00} and a month after the loan was paid they are trying to take money from my escrow balance to pay principal and interest in the month of XXXX when there is no loan to pay on. I am seeking help in getting the full balance of my impound account.
I was browsing XXXX ' mobile application looking for hotel to stay for that night. It was my first time using the application. Somehow, there was a booked reservation on my account for that night. I called their representative right away explained that I was only browsing and I did not want to book that hotel. Long story short, the representative said that there is a XXXX ' logo on the mobile page and if I click on that logo, then XXXX automatically book that hotel for me for the night. There was no subsequent confirmation page before the booking goes through ; it automatically booked. Once the booking is done, there is no cancellation and no refund. 

The issue here is that I do not authorized the transaction. I was my first time using their mobile application and the method of their automate booking by tapping their logo is not fair and deceived. I think no average consumer would know that XXXX automatically book a hotel for you by clicking its logo - there should be at least a following mobile page clicking the logo to confirm my booking, but it was not the case here. In addition, I did not stay at that hotel and that hotel where XXXX automatically booked for me was very far from where I wanted to stay. I did not authorize the booking and I am writing to seek your help.
On XX/XX/2018 I've paid XXXX XXXX XXXX {$1000.00} as payment in full to settle a debt after a financial crisis. Upon payment a representative name unknown mentioned he would update credit file. 2 reporting cycles has passed and XXXX XXXX XXXX for XXXX has fail to fulfill there end of agreement. this continues to hurt my credit score badly for chances to buy my family and i a home as well as rebuild my credit reputation in good standards.
Sir / Maam, Good Afternoon. 

Belated XXXX to all. 

I have a terrible post-XXXX day, this is my story. 

I have a checking account with XXXX XXXX XXXX XXXX, NY, debit acct ending in XXXX. 

Upon logging in to my Online account ( XX/XX/XXXX ), to my surprise {$5900.00} of my hard-earned money, saving for rainy days has been put on hold. 

According to XXXX XXXX Legal Department it was put on hold until i pay the amount of {$2900.00} and plus the interest the full amount to XXXX XXXX XXXX XXXX XXXX. 

I was told by XXXX XXXX Legal Dept. to settle this amount and call them, this is the index number XXXX of my case. 

I havent given any information on what financial institution or whom i owed the amount being garnished, it was just the name XXXX something ( not Sure ), and it was in XX/XX/XXXX-XX/XX/XXXX debt. 

It was NOT CLEAR and im confused and frustrated that my honest and hard earned money can go to the Law Firm, just like that. 

Upon searching the internet the Mullooly, Jeffrey, Rooney & Flynn - XXXX XXXX XXXX, XXXX XXXX, NYXXXX- XXXX ( XXXX ) have been good cleaning up peoples bank account through legal maneuvers victimizing small and ignorant of the law like me. 

As i write today, my XXXX XXXX checking account has been on hold with the total amount of XXXX. i just did an external fund transfer and i was denied of acces. 

Cut the story short, im a victim of this XXXX XXXX, i dont recieve any confirmation or any letter of notification, or a formal phone call or any form of notifications from Mullooly, Jeffrey, Rooney & Flynn. 

I need help, i know this is illegal done to me. 

Please help me recover my money, this is all i have in life, this is my emergency fund. 

im employed as a clerk, i dont earn a lot, i dont deserve this, im honest and hardworking person. 

Thank you from the bottom of my heart. 

Respectfuly yours XXXX Attached are the pdfs for your info.
I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files. I was not able to access my free credit report online via Experian and had to pay in order to obtain a copy of my credit report.
NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reporting to my credit X/XX/17. Negative impact to my credit by NCC Business Services. I never received any written knowledge of this debt. I do not have any known knowledge of this debt nor the reason as to why I am being affected by the debt. I request validity of the debt, including signatures, photos, any pertinent information that can confirm the validity and ownership of this debt.
I HAVE MADE SEVERAL ATTEMPTS TO SE ND OCWEN FINANCIAL CORPORATION  A LOAN MODIFICATION PACKET. EACH METHOD OF DELIVERY THEY CLAIM TO NOT RECIEVE THE DOCUMENTS TO COMPLETE THE LOAN MODIFICATION. AND WHEN THEY ASKED FOR ADDITIONAL INFORMATION IT IS ALMOST IMPOSSIBLE TO GET THEM ANY DOCUMENTS. IT ALMOST SEEMS AS THEY ARE TRYING TO FORCE ME INTO FORECLOSURE. I AM SENDING THEM A COMPLETED LOAN MODIFICATION PACKET TODAY AND ATTACHING THIS COMPLAINT TO THE PACKET. I WILL SEND IT CERTIFIED MAIL ON  X/XX/2017    BY WAY OF US POSTAL SERVICE AND WILL SECURE A COMFIRMATION OF DELIVERY. I HAVE FAXED DOCUMENT TO THEM, MAILED THEM CERTIFIED, AND EMAILED THEM TO THE COMPANY. THEY HAVE SUPPLIED ME WITH A LOAN CONSELOR BUT HE IS NEVER AVAILABLE FOR 2 MONTHS I HAVE NEVER SPOKEN WITH HIM AND HE NEVER RETURNS ANY OF MY CALLS ... ..
On XXXX XXXX I decided to start shopping for flannel. Shortly thereafter I noticed there was a really attractive offer for an L.L. Bean Visa credit card, offered by Barclays. The specifics of the attractive offer was as follows : " Earn {$100.00} in L.L. Bean Coupon Dollars after you spend {$250.00} within the first 90 days of account opening '' This was great! I was tempted, and then I decided to go for it -I clicked on the link with the sign up bonus, went to the Barclay 's website, and on XXXX XXXX was approved for the credit card. Over the ensuing months I spent more than {$250.00} on L.L. Bean clothing, expecting to receive a {$100.00} in time for the holidays to get my mom something nice. However, when I sent a secure message to Barclays on Monday or Tuesday this week ( XXXX XXXX or XXXX ) asking about the status of the rewards, they claimed they had no records and could not help me. 

I expressed my surprise and pointed out that I had expressly acquired the card based on this offer -I considered it to be a bait and switch to deny me the offer. However, despite several calls, Barclays decided not to fully assist me, claiming that there was no way that similar offers could have been made within the recent past. I did my own research to show several occasions of similarly worded offers since XXXX 2016, exact phrasing was markedly similar to the advertisements show to me when : 1 ) XXXXwww.llbean.comXXXX XXXX XXXX 2016 -this is by far the most similar, except for the offer being {$50.00} statement credit rather than the {$100.00} in coupons shown to me XXXX 2 ) http : XXXX ( XXXX XXXX 2016 - showing that similar offers have been made in the recent past and in fact within two days my sign up XXXX 3 XXXX ( XXXX 2016 -again, illustrating similarly structured offers ) There are similar offers throughout 2016. I am extremely disappointed to have been taken like this -I thought I was a prudent, financially careful person, but Barclays has proved me wrong by illustrating just how ephemeral their offer to me was.
XXXX refunded a transaction for {$68.00} back to my GoWallet VISA. The money has not shown up in my GoWallet balance. When I called GoWallet they said that they do not have my refund and XXXX was lying. They said I had to start a recovery process with GoWallet that would take 90 days to process. When I asked to start that process to recover my missing refund they said they could not because the support people do n't have time. This seems to be a scam service that is hoping I will give up. Please help me. I can not afford to loose my money.
XX/XX/XXXX my husband sold equipment for the amount of XXXX $ at the time we had two separate accounts he transferred that money electronically to my account later we ended up combining both accounts. XX/XX/XXXX I noticed a error message showing on my online statement error message showing negative XXXX $ .I contacted Wells Fargo an stated that the person that initially deposited the cash amount of XXXX $ was a error and was deposited into the wrong account. My husband has proof of sale. Wells Fargo never contacted my husband or myself of this allegation the money was taking out of our account without authorization. Wells Fargo has neglected us as customers we feel violated and my husband identify has been compromised.Wells Fargo has  failed to identify what error took place or how And when the money was taken its been over 3 weeks and Wells Fargo can not give me an explanation on how this occurred..
I mailed in certified letters for the credits & collection company to  validated debts they claimed I owed. XXXX Dispute Results claimed the debt was verified. Per the Fair Debt Collection Act, a consumer has the right to dispute inaccurate information on their credit report, the company and collection company has 30 days to prove the debt is accurate with proof. XXXX, and XXXX XXXX XXXX has failed to prove proof within 30 days from the date of my certified letters.
Requested a forbearance from Navient on XX/XX/XXXX was instructed to make an XXXX dollar payment to enter into forbearance, on XX/XX/XXXX made the XXXX dollar payment and on XX/XX/XXXX I was issued a letter saying that I had n't made a payment. Called ( XXXX ) -XXXX upon receiving the letter, was told that my forbearance would be re-submitted and that I would remain in current status for my loan. I then made my student loan payment on XX/XX/XXXX and received an email on XX/XX/XXXX stating that I had n't made a payment. Once again I immediately called XXXX, once again I was told that there was no record of a forbearance but that my loan status was " current ''. Flash forward to today XX/XX/XXXX I received  a letter stating my student loan had n't been received. I verified that there is a charge payment to Navient from my checking account and now im publishing this complaint.