WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was sold to Bayview Loan Servicing in XX/XX/XXXX. I was not notified by XXXX XXXX XXXX. My mortgage payments were coming back. Finally in XXXX I found out about Bayview. I was having trouble making my payments after XX/XX/XXXX. They offered a home loan mod. They told me not to make payments. After six months I was sent an approval package with instructions to pay the XXXX month to fund the new modification. But it had no disclosures in it. i.e. interest rate, balloon payment etc. They said I had to pay the first month by a certain date. and after that I would receive all the detail of the loan. I had the package reviewed. It was described as " Predatory Lending Practices ''. I was advised not to sign it. 
- I contacted Bayview and requested a " Deed in Lieu of '' - We started the process in XX/XX/XXXX. 
- I have not lived in the house for quite some time but have had to keep the house up and pay large electric bills for the pool as part of our agreement for me to get a Deed in Lieu. Still they did nothing- In XX/XX/XXXX, they said they were in negotiations with the XXXX lien hold for a settlement- They never return phone calls or emails. Once they said they had an agreement with the XXXX lien holder and then they didn't- Today, XX/XX/XXXX I find out from the XXXX lien holder that they never contacted them and if they had it would only take them 2-3 days to approve it- Something is n't right here. A hidden agenda. They wo n't do what they promised even though I have fulfilled my obligation, contacted the XXXX lien holder myself to get them the information they needed, yet they still are doing nothing. 
- I had to get them to hire a company to look after the house as I can not afford to take care of it anymore. They did, they broke into the house leaving damage and frightening the neighborhood. Police were called. They never even informed me they were doing this. I would have just met them at the house and opened the door for XXXX sake. 
- From the beginning with Bayview it has been predatory lending, lack of transparency or disclosure and a total disregard for others. I understand the latter means nothing to the banking industry anymore but certainly the aforementioned disregard for the law should bring someone some attention. 

All that I am asking is to receive my " Deed in Lieu of '' and the reimbursement they promised me for my expenses. I need this matter concluded with my name off of the house so that I can move forward. I am supposed to move for work but can not due to this issue still looming. I am in threat of losing my job because I wo n't relocate until this is resolved. 

Thank you,
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX/XXXX XXXX
The property    XXXX   XXXX   XXXX     XXXX   XXXX   NY,   XXXX   was for eclosed on 5 years ago on  XX/XX/XXXX ,  b y    XXXX   XXXX   /   XXXX   XXXX  .I h ave a letter from   XX/XX/XXXX ,  from  XXXX  banks Investigation team stating : "  RE : Loan  Number  XXXX  Dear Sir, This letter is in response to   XX/XX/XXXX , request regarding the above-mentioned mortgage account. I appreciate the opportunity to address your concerns.    My investigation revealed the foreclosure sale was completed as of   XX/XX/XXXX . As the foreclosure sale has been completed, you have been removed  from the owner of the property and the property is now  Real Estate Owned.    If you have any additional questions, please contact a Customer Service Representative at  XXXX , Monday through Friday, between   XXXX   XXXX    and    XXXX   XXXX   Eastern Time.    Respectfully,    XXXX   XXXX   Customer Response Team     XXXX   XXXX   XXXX  , a division of   XXXX   XXXX   XXXX   ( r ),   XXXX   ''.   <P/> I also have the  XXXX  's from   XX/XX/XXXX  : Ac quisition or Abandonment of Secured Property and  XXXX  Cancellation of Debt and Notice of Termination of Proprietary Lease selling all shares.  <P/>  Five yea rs later about 4 months ago, I have started getting nonstop calls and bills in the mail fro m Ocwen Bank s aying that there was a clerical error back in  XX/XX/XXXX  and now the foreclosure is not valid which I feel is crazy that the property has been listed for sale all these  year 's up untill  XX/XX/XXXX .    In the past 5 years, I have been turned down several job offers and loans because this is on my credit report. With the foreclosure, only  XXXX  years left on my credit repor t, Ocwen 's Bank represe ntative  XXXX   XXXX  at the Office of the Consumer Ombudsman informed me that they will start up the foreclosure process again and this will be on my credit report for another 7 years.I do not live in that property and am living in a different state.  <P/> On   XX/XX/XXXX , I c ontacted    XXXX   XXXX    and  XXXX  Representative  XXXX   XXXX  informed me that the foreclosure did go thru on   XX/XX/XXXX , and Ocwen Bank has made a mistake and to call her and she could help fix the error.   <P/> On   XX/XX/XXXX , I  contacted  Ocwen 's Bank repres entative  XXXX   XXXX  at the Office of the Consumer Ombudsman to give him    XXXX   XXXX    and   XXXX    Representative  XXXX   XXXX  contact information and he refused to contact her and told me to get any and all paperwork from     XXXX   XXXX   and send it to Ocwen Bank for  review. I have sent a letter to OneWest requesting any and all paperwork on the foreclosed property and am waiting on that.Ocwen 's Ba nk representative  XXXX   XXXX  told me to send a Ceasing Communication letter and I did, but they keep calling me.   I have bee  n out of work for the last two years because of an injury and the amount of stress they are applying is unethical. I can not afford an attorney to fight this with me and I do n't know what to do next.If there is any way you can help please advise. I will attach all documents that I currently possess.
<P/>
Thank you
I paid a debt from XXXX XXXX a while ago. It is still showing negatively on my report and they are still contacting my telling me the i owe money.
I received a letter in the mail indicating I had been approved for a credit card, including my credit score. I also received an actual card. I never applied for a card with Capital One or any other credit card company. When I contacted Capital One, they indicated they already had restricted the card because they suspected fraud. Cpaital One indicated they would place the account under investigation, close it, and notify the credit bureaus of the error. Running my credit without my authorization reduced my overall credit score and Capital One told me their reporting would resolve that issue. I am following up with CFPB as I have NOTHING in writing from Capital One regarding this and am now afraid that I am the victim of identity theft. If they suspected fraud, why would they run my credit and issue a card? The case number with Capital One is # XXXX. What can be done to ensure that companies who suspect fraud do not continue to injure consumers by continuing to process an account they believe may be fraudulently obtained?
XXXX XXXX XXXXXXXX OFFERS FREE CREDIT SCORE MONITORING THROUGH TRANS UNION. 
SCORES XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 21 POINT DROP.. 
I USE ALL MY CREDIT CARDS EVERY MONTH, ALSO PAYING MY BALANCES OFF IN FULL EVERY MONTH. DEMONSTRATING RESPONSIBLE FINANCIAL BEHAVIOR. 

THERE REASONING FOR THE DROP IN HE SCORE. FROM TRASUNION FICO SCORES CONSIDER WHETHER A PERSONS CREDIT REPORT SHOWS RECENT BALANCES ON REVOLVING ACCOUNTS. YOUR FICO SCORE WAS IMPACTED BECAUSE YOU ARE NOT CURRENTLY DEMONSTRATING ACTIVE REVOLVING CREDIT MANAGEMENT. ( FALSE ) STATEMENT FROM TRANSUNION PEOPLE WHO SHOWS MODERATE AND CONSCIENTIOUS USE OF REVOLVING ACCOUNTS, SUCH AS HAVING LOW BALANCES ANY PAYING THEM ON TIME, GENERALLY DEMONSTRATE RESPONSIBLE FINANCIAL BEHAVIOR. PEOPLE WITH OUT RECENT REVOLVING CREDIT ACTIVITY TENDS TO BE VIEWED AS A HIGHER RISK BY LENDERS. 

XXXX XXXX XXXX XXXX NEEDS TO STOP PLAYING WITH IMPORTANT CONSUMERS INFORMATION THAT AFFECTS CONSUMERS DIRECTLY, AND SERIOUSLY YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 



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Aargon Agency Inc has n't validated this alleged debt as belonging to me. I have sent two certified mail asking the agency to provide me with proof. I have not received anything. I sent a certified letter on XXXX XXXX 2017 and XXXX XXXX 2017 and still have yet to receive proof of debt and signatures belonging to me
On XXXX XXXX our mortgage with Nationstar was paid off through a refinance. I called Nationstar who told me that it would be up to 14 days before escrow balance would be refunded. On XXXX XXXX I called Nationstar again about the status of the escrow balance refund and then they told me they had 30 days to refund me the balance. I asked for an urgent refund and they said okay that they would have it to me within the next XXXX3 business days and gave me a tracking number for the refund. 3 business days have passed and I contacted them today for the status and they said the refund had been issued but that it would be another 10 days before it would be sent. I asked for an urgent refund and they said that I would receive the check prior to 10 business days but the status of the tracking number that has been provided to me has n't been changed since creating the label. I was told at closing and several times by Nationstar that I would not have to wait more than 14 days for my escrow refund, but yet 28 days later I still have no refund. The money is not theirs!
I recently applied to an apartment complex and they used a company called On-site run my credit report. To my surprise i was denied due to incorrect information on my file. After further investigation with XXXX, they stated that my report was never ran and that On-site has mixed my file up with another persons file. On-site Claims the information is from XXXX, XXXX States that none of the information provided to me by Onsite is on my credit report. On-site refuses to remove that item or investigate that item and that they tell me that i have to go to the court house to get some document about another person who is not me to have state that on the court letter head or docs. That's impossible for me to get something that doesn't belong to me. I have been fighting with their so called supervisor and he tells me their nothing he can do and that item will remain on my file. I told him that the burden of proof doesn't fall on me and as a credit reporting agency they have to validate the debt by verifying my social security number, date of birth and drivers license number. None of which is on that judgement they claim to have on me. Another thing is the rep kept asking me if my social ended in XXXX and i told them a hundred times, that is not mine. They have corrupted my file and are mixing my report up with another individual.
A complaint from a company was placed on my credit report about closing acct in XXXX when i no longer have acct with Them since 2013..
Afni, Inc is reporting false information on my credit files. I continue to request for validation and verification and they will not validate the alleged debt. This is not my debt and i request deletion as soon as possible.
Two issues : First, I have received a letter from Sunrise Credit Services , Inc. regarding a balance due to XXXX. I called this agency to tell them XXXX should not be charging me anything due to their own errors, and the representative - XXXX XXXX - hung up on me. 
Second, XXXX is a very bad product because their representatives can not access information and provide assistance without keeping you on hold for long periods of time. In our case, we were moving and XXXX could not provide us with the same service we had at our previous location so we were changing providers upon our arrival at our new home. XXXX disconnected our service prematurely, and when I found out, they established a totally new account in order to reconnect us. I called several times with information and requests for assistance regarding our account and the errors that had occurred, but the attempts were always futile. If we owe XXXX anything, which I do not believe we do, they should write it off because their company and their representatives could not fix the problems they created themselves.
i am not able to open up a bank account because when i was XXXX i opened up my first bank account with bank of america with a counterfeit check that i received in the mail. i was young and i did n't know any better because it was my first bank account. the way i got a the check was by applying online to a job that was being a secret shopper. the point of the job was to give feed back about the shopping experience. so they sent me a check and i did not know it was fake. i did not try to withdraw any money either i just wanted to deposit the check but not take any money out. i was a victim of a scam.
Need promissory notes to participate in Federal Loan Repayment Program. This started back in XXXX 2017 when I requested them. I did receive a promissory note, but it was rejected as the wrong one. I chatted and asked Navient about this and they said that was the only one. Later they acknowledged there were others and stated the correct one was " processed '' XX/XX/XXXX. Today, XX/XX/XXXX, I am still waiting to receive all the promissory notes for the loans. I do n't understand the delay, as today I am told they will not receive them until XX/XX/XXXX I do n't understand why Navient does n't have these documents. Since they are not sending the original, why ca n't they just send the pdf via email? Still waiting for more than a month on these promissory notes which are ESSENTIAL to my participation in the Federal Loan Repayment Program as an XXXX XXXX -XXXX XXXX XXXX
I have a new cell number. Apparently the previous user owed money to someone. A collection agency has called from at least XXXX XXXX XXXX XXXX different numbers. I have told them I am not the person they are trying to collect from, they say they will take the number out of their system, or do not even have it in their system. Then I get more calls. They are either incompenent or liars. They are Southwest credit, the calls are from XXXX XXXX, NJ The calls come from : XXXX XXXX XXXX or XXXX ; XXXX XXXX XXXX or XXXX ) ; or XXXX ( XXXX or XXXX )
I recently disputed an collection account with Experian they are currently reporting an unverified, unproven, non compliant collection account from XXXX XXXX. I send my dispute certified # XXXX. In which they have failed to comply. Due to the fact that NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH ACCURACY, COMPLETENESS, AND COMPLIANCE To XXXX XXXX and they have failed to prove otherwise and refused to delete this account.
Consumer Financial Protection Bureau, I need your help and would like to sign up as a part of the law suit against Navient Corporation for deceitful and illegal practices.

My loans ( Federal student ) were originally with XXXX XXXX, then Navient servicing took over. Payment amounts were automatically increased and I spoke with representatives and requested a lower payment several times. They refused to accept an affordable payment. 
I am an XXXX  who graduated and have been working in the XXXX field for over twenty years now. The original amount of loans were {$25000.00} ( twenty five thousand dollars ) and I believe that Navient has now increased this  amount trifold. I can not afford to pay the amount that Navient is insisting as a monthly payment of {$1600.00} ( one thousand six hundred dollars ). 
I have pleaded with them and they are not willing to try and help me get into other payment plans. They have said that I do not qualify for any plans, yet I continue to work for a XXXX XXXX XXXX, in California. 
I am pleading with your agency as I am a victim of fraud and deception by Navient Corporation. They have ruined my credit and my ability to qualify for a loan forgiveness or any reasonable program that is available to me. I am in your mercy and pray that you will hear my plea. Please help me. Thank you for your time, Respectfully, an XXXX  who works with XXXX  who strives to make a difference in their lives.
Hi, Coinbase allows to buy cryptocurrency such as Bitcoin. I initially verified my identity, and purchased bitcoins using various means of payment ( credit card and bank account ). They then rolled out a " USD wallet '', which is a way for them to store US dollars owned by the consumer, so that the consumer can quickly buy crytocurrency from that USD wallet. I first made a small wire transfer ( {$1000.00} ) to that USD wallet, which was successful, and which I was allowed to use. When I made a second much larger transfer ( {$12000.00} ), they asked for my identity again, which I complied with. They now blocked USD wallet, which holds the money I wired, and ask that I enter my SSN information ( the last 4 digits only ). I attempted to comply, but the system replies with the following message : " Unfortunately, we could not find an identity matching the one you provided. This is common for those that are considered minors, between the age of XXXX-XXXX, or those that may be new to the country and have not established a presence in public data. '' I have been a US taxpayer for almost 6 years, and US resident for almost 4 years, so this excuse makes no sense. I have tried to contact them earlier this week, but did not get a reply within 72 hours, as they said I would. At this point I 'm getting scared that I will never see my money back.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

REGIONS BANK XXXX XXXX {$250.00}
I discovered a Georgia State Lien on my credit report in XXXX XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau and the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.
I want to bring this attention to serious matter to your attention. I went to XXXX in XXXX, Delaware to open my XXXX membership on XX/XX/2018. The representative at the store did not inform me that a credit card account was being opened under my name in addition to the membership. This is an absolutely unacceptable and fraudulent sales practice. 

I'm requesting the following resolutions to rectify my issues. 
1. ) Withdraw my Costco credit card application 2. ) Remove the credit card and credit inquiry from my credit bureau 3 ) investigation of this incident and ensure this would not happen again XXXX Membership # XXXX
U. BANK XXXX SERVICES AND COLLECTION AGENCIES KEEP SKIP TRACING XXXX XXXX REGARDUNG ACCCT # XXXX ( LAST XXXX ). XXXX AT ( XXXX ) XXXX X XXXX. THESE ARE VIOLATIONS OF TCPA AND FDCPA. AND MUST STOP.
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BUREAU INC ACC # XXXX This account was reported to the consumerfinance.gov as a fraud account with a previous XXXX XXXX # XXXX it was removed from my credit report As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX I am requesting those documents as fallow 1-need a copy of your license to collect in my state ; and 2-Provide me with your license numbers and Registered Agent. 
3-investigation report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX
I applied for a re-finance loan with this company. After several months of constant run around ( sinceXX/XX/XXXX, 2017 ) the company told me last week the loan was conditionally approved but advised it would not be funded until repairs from Hurricane Irma were completed. ( I have a pending insurance claim, however the appraisal of my home in its current un-repaired state far exceeds the requested loan amount ). I told them I did not want to wait that long and had found another mortgage company so I no longer wanted the loan. They agreed to return my appraisal fee. Today I received a letter that they DENIED my credit application. This is not true, I WITHDREW my credit application. I have since gone on the internet and have learned this company has done this to many others before when they have complained about the way this company operates. I am concerned this fraudulent DENIAL of credit will affect my credit score and affect my ability to re-finance with another company.