WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage is with Freedom Mtg & a few months ago, they contacted us asking us to refinance. After some convincing, we agreed as they would be paying all closing costs and lowering our monthly payment. We were told by their agents, XXXX and XXXX, not to make our XXXX payment as it would just be refunded. I asked several times if they were sure we should not make the XXXX payment and was reassured that we should not as long as we closed before XXXX. The closing was XXXX. I cancelled the already scheduled payment. On XXXX XXXX, we began getting delinquency calls from Freedom. Each time I would explain they asked us not to make a payment, gave their disbursement date, got the run around, they said it was automated and would probably happen again and there was nothing they could do. It happened many more times, sometimes twice a day. We were never delinquent in our loan and only cancelled the payment at their request. We also got delinquency letters and statements. I called again with the same response, it is automated, nothing they can do, each department blaming the other ( refi and mortgage ). Spoke to XXXX weeks ago, asked him to look into it and have it stopped, he promised he would get back to me but never did. They sent escrow refund dated XXXX XXXX for {$310.00}. They sent another delinquency notice dated XXXX XXXX saying we were 48 days delinquent, but zero owed. See statement attached, see XXXX page for delinquency notice. It is abhorrent that they are unable to figure out how to make their left hand speak to the right. If you are refunding me for the same account, why are you accusing me of delinquency? I spoke to them again, they said it should not have happened but can not say why it did, or how they will fix it. For a month and a half, we have been getting these calls and letters accusing us of being delinquent. We do not pay our bills late. The only time we had an issue with late bills was when we bought the new house and there were mail delivery problems because the neighborhood was so new. To repeatedly be accused, for such a protracted time, is harassment and it needs to stop. This should not be happening to any customer refinancing, much less a customer they asked to refi with them and told not to make the payment. If we were actually delinquent, I would not have a problem with the contact because it would be my own fault. However, this is rising to the level of absurdity.
Experian has the following information on my credit report and it is not correct : Shows an address of : XXXX XXXX XXXX XXXX TX XXXX have never lived in TX XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from : XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. 
This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX This account was never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXX XXXX I did not authorize this. 
XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.
The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX  XXXX
i sent a letter to XXXX XXXX on the XXXX of XXXX concerning a account that is reporting i owed XXXX, asking them to verify this negative item belong to me.i know that they have 30 days to respond to this request before its considered a violation
In XXXX of XXXX Select Portfolio Servicing ... the crooks formerly known as XXXX XXXX, allegedly became the " servicer '' of my purported loan. They are quite non-responsive to multiple qualified written requests ... 
Under RESPA-I have requested : 1 ) A certified copy of their servicing contract 2 ) A certified copy of their boarding practices and employee training manual 3 ) Documentation over the past twelve months evidencing compliance with said practices/policies 4 ) SPS to send the original wet ink note to their attorney in MN so that my team can inspect it and determine validity/veracity 5 ) SPS to provide documentation reflecting that the purported " owner '', XXXX XXXX XXXX XXXX XXXX XXXX is : a ) Statutorily existent-DE XXXX says it ai n't b ) Active c ) funded d ) tax compliant e ) Was active/extant on XXXX/XXXX/XXXX f ) Since the trust XXXX says it can not accept additions to the pool after XXXX/XXXX/XXXX ... .how is it that it supposedly accepted a non performing loan more than 7 years later g ) Proof that an XXXX XXXX temp employee had the authority and complied with the legally necessary review and oversight prior to signing as a " XXXX XXXX '' ... smells like forgery. Notary violation. Bonding violation. 
h ) SPS please provide copies of your current bonds and contact info. for the insurers. 
6 ) An explanation as to why, after multiple requests they have neither provided a complete transaction history ... or any form of explanation for its absence as required by RESPA 7 ) Why they behave contrary to the XXXX provisions, in non-compliance 8 ) What allows SPS to purport to be a servicer ... of an installment lease ( no mortgage, just bearer notes for bonding purposes, cancelled and converted at securitization ) ... in violation of the SEC ( AB 1122 ) and IRS bulletin 544? 
9 ) Why is SPS not yet honoring my XXXX rescission? They did not take an appropriate adverse action within 20 days-thus rescinded.
I have continued to dispute the false information that XXXX XXXX XXXX has placed on my XXXX credit report and will continue to do so, until this is deleted. It is obvious how seriously that this collection company takes this, as they close out my complaints in less than 24hrs without any real investigation.

AGAIN, I NEVER received any bill for this debt from the original creditor-XXXXXXXX XXXX XXXX XXXX- who is a third party billing company out of Ohio . XXXX XXXX XXXX XXXX- based in Ohio , has been found guilty of fraudulent billing in several cases. I have NEVER been a patient at XXXX XXXX XXXX, in XXXX, OK. XXXX  has falsely claimed that XXXX XXXX XXXX is in XXXX , OK, which it is not, it is in XXXX  , OK-this first claim shows that their information is clearly flawed. AGAIN, my credit report shows the information given from XXXX-claims the original creditor 's service being XXXX  of XX/XX/XXXX. Their claim of me being seen at XXXX XXXX XXXX in late XX/XX/XXXX is not even possible, given the fact that this hospital was torn down in XXXX of XX/XX/XXXX after being struck by a tornado. It was rebuilt and opened in XXXX  of XX/XX/XXXX-reopened as XXXX XXXX XXXX hospital in XXXX, OK.

More importantly, XXXX   has refused to even address repeated request for validation of this debt, they refuse to provide ANY original documents proving what is owed. They are required to send proof that they own this debt or have been legally assigned this debt by the original creditor along with original documentation showing proof of debt.

According to federal law, if a debt collector does not verify the debt, it is not allowed to list the debt on a person 's credit report.

Also, the State of Oklahoma requires a creditor to provide the following documentation to prove the validity of a debt- proof of service, proof of breach of payment, copy of any contract or original account and documentation of assignment of debt. This information came directly from the Oklahoma Attorney General 's office, after I submitted copies of all complaints/disputes with XXXX.

XXXX has now refused to comply on multiple occasions and attempted to make me think that I am incorrect and that the burden of proof lies with me, not them.

XXXX is required to show proof of this debt, not pass the buck on to me.

AGAIN, XXXX  has shown zero proof of anything being owed.

XXXX has a well established history of fraudulent activities.

XXXX  refuses to provide any documentation/consumer disclosure file on this debt.
I opened a student loan in XXXX 2011 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8600.00}????
My IN-LAW used Wells Fargo SurePay to transfer money to my Wells Fargo account. My In Law provided my account number and name in the process. She attempted to send XXXX on XXXX/XXXX/16 but as of today, Still have n't received it. Wells Fargo said it was " Successfully '' transferred.. but instead.. it was sent to XXXX XXXX XXXX. So I contacted XXXX XXXX XXXX, Let them know what 's going on and they said they have nothing to do with it. I am a previous XXXX XXXX XXXX customer. But still, that have nothing to do with it. My IN LAW was tried to dispute the XXXX with Wells Fargo but instead, she was told that it 's up to XXXX XXXX XXXX to Re-Direct the money back to where it came from.
I have a TD Savings account ( with the bump ). This account currently pays 1.00 % for the amount I have in the account instead of a regular ( no bump ) 0.35 %. I recently noticed that I am collecting a smaller amount and contacted TD Bank. 
The bank apparently switched me to a new sort of account, with different terms without notifying me. The new account has different qualification requirements, which meant that even though they deceivingly called my account with a bump I was not actually earning it. 
After a handful of conversations with the bank, including branch and customer service line. I was first told that I am owned back interest, but I was later told that TD does not have to pay me any back interest.
I filed a complaint against Bank of America with the CFPB # XXXX. The problem I always have with this bank is that the employees try to strong arm you into dropping your dispute. They create so many obstacles most people would just give up. 

In this case, I filed a dispute against XXXX and I got into a very heated argument with a Bank of America employee @ XXXX XXXX. She reported to the consumer financial protection bureau that I no longer needed assistance from Bank of America for case # XXXX. Now, that statement is light years from the truth. 

I faxed all the documents to them that was requested of me and before the deadline. So why did this lady report false information to the CFPB? I hope Bank of America will go back and pull our phone conversation that accrued on Monday XXXX XXXX,2017.
The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how
Mortgage with XXXX XXXX for {$570.00} k Int at 8.95 %. XXXX suffered hardship of a divorce and asked for a Modification sent complete package. XXXX kept asking for the same documents over and over and it was denied. Called XXXX and I was told not to make payments for them to help me. Insurance was placed and was charged two times one for {$3400.00} dlls XX/XX/XXXX and the following month {$1600.00} XX/XX/XXXX. on XX/XX/XXXX rec. The cost on insurance {$1000.00}. On XX/XX/XXXX had insurance placed again for {$3400.00} dlls. Now my balance was $ XXXX with all the int and over charging of insurance {$7500.00} dlls. XXXX kept loosing documentation and I kept sending it back to them. On XX/XX/XXXX received notice of default letter. Loan was sold to XXXX XXXXXXXX XXXX on XX/XX/XXXX. I kept sending the same package for a modification. 
on XX/XX/XXXX Modification was denied. Sent them another package for modification and it was denied again XX/XX/XXXX. Now XXXX XXXX  XXXX kept adding charges to my account and insurance was placed XX/XX/XXXX at {$4400.00}, overcharged {$3000.00} dlls. On XX/XX/XXXX insurance was placed again {$2500.00}, over charged {$1500.00} dlls. On XX/XX/XXXX Insurance was placed again {$5900.00} dlls, over charged XXXX dlls on XX/XX/XXXX trustee sale recorded balance $ XXXX. House was sold for $ XXXX XXXX. I filed for Bankruptcy the same day and sale was rescinded. Loan transfer to XXXX XXXX XX/XX/XXXX. I Kept sending complete packages for modification. Again denied on XXXX. On XX/XX/XXXX XXXX XXXX approved Modification with a Loan Balance of $ XXXX and received a letter that all late charges would be waived. There were no charges waived. The Banks kept loosing my paperwork purposely to be overcharged.My Loan was modified to {$2400.00} XXXX dlls per month 2 % int. I would like help on lowering my Principle. As you can see I have been overcharged on placement insurance, and many extra fees that I was over charged for not approving me and string me along to charge all the fees. It took 6 years to approve the modification unbelievable, And I have documentation to support everything. The Value of my home at this time is around $ 750K. The loan is underwater and it has been for 4 years. I called the new servicer SPS asking for the accounting of my loan since it originated. It took about 5 calls and finally they sent one. It can not be read I called them to explain the ledger form it was sent and I was told someone will call me back to explain. I need help on lowering my principal.
Over a year ago, XXXX XXXX " blacklisted '' me after attempting to steal from me ( a previous complaint covered this ), and has repeatedly pulled my report since ( see " XXXX XXXX '' and " XXXX XXXX '' for all false inquiries ) then and told me that they 're " reviewing my credit application '' and would get back to me. I have the link to check what 's going on ( well, to see what card they say they 're looking over ) which is here : XXXX XXXX  XXXX. ( See " XXXX XXXX '' and " XXXX XXXX '' for some recent attempts of this as seen in their system. ) I have tried to reconcile this fraudulent use of my credit report as well as their theft, and they have continued to stonewall me ( see " XXXX XXXX '' that shows them explicitly stating that they refuse to listen to me at all unless I show them " new information, '' despite showing plenty ). I believe Experian ( the credit report that the inquiries from XXXX XXXX show up on ) previously asked that I dispute this through XXXX XXXX, so XXXX XXXX stonewalling me has made it impossible to get the several false inquiries removed. 

It is additionally evident that they are false and unauthorized as XXXX XXXX 's system shows that the " applications '' are all " cancelled, '' and they never give/gave a further explanation for that.
EQUIFAX HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.
This account is not mine. It belongs to someone else and I am simply an Authorized User. I have requested 4 times that this account be removed from my credit report. It reports many late payments and is hurting my credit score and keeping me from qualifying for a home mortgage for my family. I am single mom.
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I experience some irregularities on a XXXX credit card. I reported it to my credit card company on XX/XX/XXXX. The following day they closed the account and opened a new one. When I checked Equifax, my XXXX credit card had completely disappeared. It did not show that it was closed it was just not there and the new card was n't there either. I waited a week and contacted XXXX, they told me they reported to all 3 major bureaus both the closure and opening of the new account on the XX/XX/XXXX. They recommended I contact the bureaus. They also launched their own investigation after I was getting nowhere with Equifax. This investigation could take up to 30 days. When I contacted Equifax on XX/XX/XXXX they told me they have no information about me ever having a XXXX card and they also had no documentation that shows that XXXX told them to close and remove an account. They just have nothing. And they keep telling me since they have are not showing any XXXX Cards ( which they removed ) they ca n't investigate why it was removed. I contacted other the two other major bureaus and they were able to give me information. The other two documented the closure but not the opening of the new account. This is an account that has been reported on to Equifax since 2010 and I keep a close eye on all 3 bureaus. There is an obvious oversight if when they remove the card they remove all requests from the company. At a minimum they should still be able to access a final request that tells them to remove it.
On XX/XX/2018, we received an escrow disbursement check for {$8.00} from Ocwen Loan Servicing. Now ; on XX/XX/2018, we refinanced our home with XXXX XXXX XXXX XXXX. In XX/XX/2018, XXXX XXXX XXXX XXXX paid off this mortgage loan. NOW : it's been three months so why didn't Ocwen send us the full escrow reimbursement amount when Ocwen sent us the previous reimbursement check on or around XX/XX/2018 for {$330.00}? It appears that an employee of Ocwen Loan Servicing charged us for satisfaction fees when we were NOT suppose to be charged! So, why did Ocwen charged us these fees? Does federal or state laws allow mortgage servicing companies to charge satisfaction fees?
My daughter is a XXXX XXXX XXXX XXXX and has a XXXX XXXX Student Loan. I was under the impression that while she remained a XXXX XXXX XXXX  the loan would gain interest but did not have to be paid back until after she XXXX. I was also under the impression that any and all payments made while she was still a XXXX XXXX XXXX were optional.

I made several interest only payments but did not do so in XX/XX/2017 which resulted in a negative report on my credit report ( 60 days late ).

I disputed this with experian and was denied. I contacted XXXX XXXX  and was told that interest only payments were still required during the time my daughter was still a XXXX XXXX XXXX
XXXX XXXX I noticed that I had and account on my credit report with Bonneville collections for XXXX XXXX in the amount of {$610.00}. so I called to make an arrangement of XXXX a week for 5 weeks to take care of it, the representative Hung up on me. I called back to make the same arrangement even though I was so irritated that I had just been hung up on. The second representative that I spoke with was more polite, and we set up the arrangement. We had ended the call and I realized I had n't given them my information to debit my account, so I called back. This experience was the worst, the representative verbally harassed me, belittled me and when I asked to speak to a supervisor, she refused, I told her that she was in violation of the FDCPA as she did not verify at all that I was the customer, and she was harassing me ( which I am familiar with, I do work in XXXX myself ) her exact words were " Oops, I recognized your voice I did n't need to verify that It was you '' I told her it did n't matter if she recognized my voice or not and that I wanted to speak to a manager and she responded by saying " Like I just said, you wont be talking to a supervisor right now '' I asked her if these calls were recorded, she said yes, and I said I would like to be placed on hold to speak to a manager. She transferred me to a manager immediately.
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I called back Wednesday to ask what they were going to do about the incident, they apologized and said that steps were being taken inside the company.
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I got a call from them Thursday expecting me to pay the same arrangement that I originally agreed upon before I was harassed. And I explained that I would n't pay that, I offered a settlement of {$230.00} and she asked what the reason was so they could submit that to the client and the client will either accept, deny, or counteroffer. I told her that the reason was because her company harassed me, broke the FDCPA guidelines, and verbally assaulted me, so that 's what she can tell the client. She responded that she would n't submit that, and that they can take off XXXX of the interest her company charged to the account. I told her that was n't good enough, she told me she would submit the offer to the client and that 's what I expected her to do. She said she was going to transfer me to a supervisors voicemail and she would get back to me. I left my name and phone number and I never got a call back.
payments not being properly applied. was approved for 2 modifications which were supposed to help me but ended up hurting me. i purchased a home for XXXX which i now owe XXXX there are {$94000.00} worth of payments that they do not apply correctly due to them putting every payment that was made to an unapplied total area that they always seen to reverse right out leaving me with a negative balance. i called for over 2 weeks to get it resolved and i kept getting transferred. i once was even told did n't you benefit from the whole situation. any and everything you can think of in reference to my loan is not being properly done! i have been charged 7years and 1 month of the XXXX worth of pmi payments when i have only resided in my home for 6years. my modifications that were done are not being followed nor done properly either.
ive been paying on this loan over 10 years and it was just a XXXX dollar loan these people are robbing me
XXXX XXXX XXXX is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting
This company contacted my sister as well as my co-worker and stated that this is a debt collector looking for XXXX XXXX. They continued to contact them and left voice mails numerous times, despite being told not to call them again. This company also misrepresented themselves as having a license and registered debt collector in the State of Michigan but they are not. This is a debt account that does not belong to me. I called this company and mailed them a letter requesting validation on XXXX XXXX. They never responded to my request. In fact I never received any letters from them ever.
Complaint : I do not have a contract with Omni  XXXX   XXXX   XXXX . I am not liable for collected this debt owed of $  XXXX . I am not responsible for this debt.     Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract.   Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT
Wrong credit information on credit report debt should have been released and is still showing as liable as I have files bankruptcy. below is what is appearing on credit reportCIVIL JUDGEMENT IN BANKRUPTCY XXXX XXXX XXXX $ 0XXXX XXXX XXXX XXXX $ XXXXXXXXable after filling
Is constantly calling my employer and is calling me and threatened I will loose my job if I do n't pay