WillisBack/dataset-financial-user-claim huggingface dataset:
BB & T has once again done the unthinkable. I have a XXXX son who has been XXXX since 1985. He is XXXX from the XXXX XXXX XXXX XXXX. He had my name of his account only if he becomes XXXX and can not do things for himself. He, XXXX XXXX is the only one who can access this account according to the XXXX BB & T. He has called because of a prior issue that came up some time ago and was assured No one had access to this account unless he passes on or becomes XXXX XXXX. BB & T took funds from his Personal account and paid My past due Credit Card bill. XXXX uses this account for medical expenses and XXXX equipment and his private use Only. I have Power of Attorney to be used only with his permission and funds to be withdrawn for His Private Purpose only. BB & T withdrew {$1100.00} from his account that once again, he was assured only he could access. This transaction was done by BB & T Recovery Department, XXXX, NC.
I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in XX/XX/2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through Experian, XXXX and XXXX   reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in XX/XX/2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from Experian that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
Experians failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that Experian be investigated. 
Regards, XXXX XXXX.
Citibank is not handling a valid fraud case, and I have opened it four times and submitted supporting documentation and each time they ignore it. My balance is now {$5300.00} account ending in XXXX. I opened this account several years ago to pay for ONE semester left of XXXX XXXX and I finished that year and then my college accidentally charged me for another semester, even though I had already XXXX, finished my schoolwork, and XXXX. I have proven this with varied documentation from my university but Citibank refuses to help even though, by Law, they are bound to do so. 

I am now XXXX and living on XXXX. I have XXXX XXXX XXXX. Citi is reporting this account to the three credit agencies each month and they have ruined my credit. I have stopped paying on this account because these charges are not mine! I have been so sick that calling in is very difficult most days but I have been able to write emails, fax and snail mail letters, and in all I have sent about 31 and I have kept detailed records of each. Citi continues to blow me off and as a XXXX person this is discrimination. I need this account to be cleared off of the Charges that are not mine which is the bulk of the balance through XXXX, University XXXX XXXX XXXX. 

I have read through my legal agreement with Citi and it clearly states this is their responsibility to do. I have also talked with a XXXX lawyer who told me to start making complaints like this one to draw attention to the issue. 

Please help me. These are not my charges! I have proven this!
CONVERGENT RESOURCES continues to call my home trying to collect on a debt that has long since been paid. Judging by the other reviews of this company I have found online, this is a common practice for them and is likely some sort of fraud.
I had a loan with CitiFinancial. The last activity on the account on my part was   XXXX   2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to   XXXX   2009.
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The partial account number is  XXXX . The address identification number is  XXXX
I have private student loans through Navient ( formerly XXXX ), which are set up for automatic monthly payment. Enrollment in automatic payments affords me a 0.25 percent reduction in my interest rate. 
Last month, with no notice provided to me, Navient placed my loans on an in-school deferment, which cancelled my automatic payment and accordingly raised my interest rate by 0.25 percent. I enrolled in a part-time online course a few months earlier, and was unaware that the school had contacted Navient and that my part-time status was sufficient for a deferment. I learned this information during a call with Navient XX/XX/XXXX after I noticed that my payment for XX/XX/XXXX was not automatically processed as usual. 
Following two calls, Navient proposed as a solution that we shorten my deferment. I noted that this would result in me being charged 0.25 percent in excess interest charges for the two billing months the deferment was erroneously in place. After speaking to a supervisor, Navient agreed to remove the deferment from my account altogether and credit me the two months of excess interest charges that would have accrued during the deferment. 
Assuming the cancellation and excess interest credit are processed as agreed, I will be pleased with this solution to my problem. However, Navient 's procedure to put loans on in-school deferment without requesting this from or notifying borrowers is troubling, particularly because it can result in extra costs for the borrower. I 'm hopeful that CFPB can pressure Navient and other lenders to change this practice. It appears to me that this was the very sort of behavior that led XXXX to feel it had to burnish its image and change its name to Navient in the first place. 
Thank you.
I was XXXX and spent several months in XXXX which prevented me from making payments or calling the mortgage company asking for any type of loss mitigation assistance. Due to the missed payments, a sale date was scheduled for XXXX XXXX, XXXX. I was released on XXXX XXXX, XXXX and immediately put the property under purchase contract as a standard sale, it is a cash offer. We submitted the purchase agreement to the mortgage holder on XXXX XXXX, XXXX. Documents were confirmed received on Friday, XXXX XXXX, XXXX. I was told that the property would need to be sold and paid in full BEFORE the sale date ( that is only 7 days ). I explained that my buyers have a 7 day inspection period and still need to pull title to ensure no other liens are on the property. This unreasonable time frame will not allow for any of that to be done. We then requested reinstatement and payoff figures, we were told they needed to be ordered and would take 3 business days before the figures would be available. This means they would not be available until the day before the actual sale. I asked how they expected me to reinstate the loan if I did n't have the figures. I was told we should have called in sooner. We called on 3 separate occasions and were told the same thing all 3 times. I am the only one listed on my loan, I was not in a position to make phone calls and stay talking on the line for hours trying to get this worked out. Once I was released, I made every effort to rectify the loan. There is over {$100000.00} in equity in my property and now, the mortgage company is trying to profit off of it. All I am asking for is a postponement of sale in order to complete the sale. Nationstar will not help me with this but instead are moving forward with the sale.
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
This company has been garnishing my State taxes the past eight years and recently have begun garnishing my wages and attempting to garnish my bank accounts. I have never received any information as to what the debt is that I owe, how they acquired it and how much it is, or whether or not there is an option to make monthly payments. The only contact I receive from them occurs after a court date that I was not made aware of, usually stating that I owe them the exact same amount every year and that they have been awarded my stat taxes. Recently I attempted to call them to find out the nature of this debt, no one answered the phone and my call was not returned.
I've been a homeowner for over the past 10 years and have never had issues with my loan. In approximately XX/XX/XXXX, my mortgage was transferred over from XXXX  to Dovenmuehle and I've been experiencing problems with the new lender. Two issues persist despite my repeated attempts to resolve this internally : 1 ) I've provided Dovenmuehle with proof of hazard/flood insurance FIVE times now - twice through the online system at XXXX ( XX/XX/XXXX ; XX/XX/XXXX ) and three times directly to XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) per the customer service representative 's recommendation. Recently, I've additionally followed-up with Dovenmuehle at least two times by phone ( XX/XX/XXXX ; XX/XX/XXXX ) to confirm receipt of my submissions but am always told they were never received. I really don't know what to do at this point. I need to be refunded {$2900.00} for insurance that was purchased on my behalf when I've already submitted proof multiple times. I live in a condominium and insurance is always purchased by the HOA. I've never had issues in the past providing this information to the lender, prior to the transfer of the mortgage to Dovenmuehle. I'm starting to wonder if anyone is working in the Insurance Department at all.

2 ) I had an appraisal on XX/XX/XXXX and the mortgage company cashed my {$470.00} appraisal fee on XX/XX/XXXX. I have yet to receive notification that PMI will be removed from my loan.
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. 


WFDS/WDS Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$610.00} Date Opened : XX/XX/2014 Balance : {$21000.00} Terms : High Balance : {$20000.00} Limit : Past Due : {$21000.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
I have a 2nd mortgage with Specialized Loan Servicing and typically pay on the first Friday of the month. I noticed they are posting the payments on the following Monday which is causing extra interest to be charged on the loan. I called to check with them on this practice and they told me the only way I can get a payment to post on a specific date is to use their auto pay. I also checked my primary mortgage to see what date they are posting the payments because I use the same payment method and XXXX is posting the payments with the correct date.
On XX/XX/XXXX we tried to refinance our house. First time through XXXX XXXX. 
It went well until they sent us a higher interest rate than we already had due to having a manufactured home. We decided to go to a specialized company locally XXXX. 
We completed application and then found out XXXX was reporting fraudulent late 's. This was not an issue as I had proof they were lying, the problem came about when we looked at the credit report and XXXX Flagged me on a XXXX alert, without using the proper protocol. They flagged me based on some of my name and not the entirety. Never looked further than name. If you are familiar with XXXX, they should also look at birth date, mine XX/XX/XXXX, the person they matched me with was born in XX/XX/XXXX. Adresses where I lived. Never been near XXXX, the worse is I have been through nothing but XXXX since, still needing to refinance because XXXX is XXXX, they will never change and have caused so many health issues including a XXXX. I decided to write to XXXX and send it certified, along with my XXXX XXXX certificate, Ca Drivers License, ss card. I waited until XX/XX/XXXX and decided to get XXXX XXXX involved. After almost 11 months I have been exonerated from their Sanctioned list. The credit company that took did the reports were # XXXX XXXX XXXX, after sending them all documents mentioned above they removed it from my report. copies included. The company I am having problems with is Credco Corelogic, I sent them a complete package, they sent me back 2 letters, both requesting I call them. I have talked to them 2 times with no avail. they have refused to remove this fraudulent data off my report. If XXXX has exonerated me and I have and sent them documents certified, according to the FCRA they must remove this from my report. I refuse to insert a letter in my credit report explaining that they did not follow proper protocol. XXXX and then need to remove the fraud off my report, without destroying my credit score just like XXXX XXXX did. I have even been back to the XXXX company made copies for them and they refuse to help us. We need this completed, I have now been waiting 14 months to get rid of XXXX, I need them gone before they cause me another XXXX. I and my wife are permanently XXXX. I filed XXXX reports against them and nothing was ever done about them. I also plan to file a FTC this evening. If I get no results I will go back to XXXX, the one that got the XXXX removed. There is also a fraud credit pull on Credco report from XXXX XXXX, they have submitted a letter of removal and they also refuse to remove that. I have submitted all documents with this letter.
While my son and I were backing out of the driveway a towtruck swooped in and blocked the exit. The driver jumped out and started chaining my car to his truck, I got out of the vehicle and approached him and he punched me in the face calling me all kinds of distress. I am a wounded veteran with  XXXX  and a  XXXX   XXXX   XXXX  and having this happen caused all kinds of distress. The driver called me all kinds of names in front of my neighbors and continued to try to tow my vehicle with my son in the backseat. My wife called the police and the police made him release the vehicle to me in exchange for not pressing charges against the driver of the truck. I was left with no options due to the sergeants strong suggestion of not pressing charges. The driver continued to humiliate me in front of my house in the middle of the day, and the police threatened to leave me alone or they would arrest him. To this day I am still embarrassed to be seen by my neighbors. Please help.
wachovia/ wells fargo bank [ mortgages ] on XX/XX/XXXX stole my home with XXXX % equity in by fraudulent forclosure, fraud and perjury comitted, ceo XXXX XXXX in cahoots with crooked ticketing judge XXXX, XXXX florida usa fraudulent final judgemant all paymants paid acount in credit, bank sent checks from my escrow acount to home owners insurance that was already paid infull they emptied acount then put me in forclosure, with over over {$6000.00} incredit all my paymant were tracable and cashed by wells fargo bank all international wires you can not bounce a international wire it is cleared funds, then the bank recieved the insurance checks when they came back in to a holding acount? the acount also had a c/o signed insurance check that i had done the work for {$2500.00}. i have just looked on XXXX county court records site XXXX florida XXXX XXXX XXXX XXXX case no XXXX XX/XX/XXXX the facts are all there crooked judge XXXX XXXX deliberatly refused to look at proof of paymant of all international wire transactions the escrow acount statemants are all there with the acount in credit also excessive Fees and monies not applied to acount clearly in the bank statemants this is fraud and perjury committed by XXXX XXXX who was told by the govermant what to do this is predatory lending on a organised crime bassis The Fradulent Forclosure Act is more important than false acounts You are making adecoy for what is about to unearth in your corrupt court system wachovia / wells fargo bank the mortgage title was in the name of XXXX and crossed out by pen this can not be a official documant and the crooked judge accepted it as proof of title i will question this CFPB you have done nothing about the fradulent forclosure theft XXXX casses
1. GSFA is reporting a student loan with late payments for XX/XX/XXXX.
2. I disputed this as inaccurate with all 3 credit reporting agencies based on a deferment but the payment history was " verified '' by GSFA.
3. I requested an investigation by GSFA giving them documentation from the current servicer showing the student loan was approved for a deferment, therefore could not be late when no payment was due. 4. I requested a hard copy of my GSFA payment history and deferment do
cuments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per phone call to GSFA, they advised me that I was approved for a student loan deferment to cover XX/XX/XXXX but refused to provide me with any copies of this approval when requested.
5. Section 623 ( a ) ( 2 ) of the FCRA states that GSFA has a duty to update information to the most current information. The retroactive deferment changed the accuracy of their reporting and must be updated to reflect the corrected accurate information showing no payments were due for the above dates. 

GSFA is reporting missed payments for reporting periods requiring no payments.
I am writing to dispute recent correspondence from Discover Financial Services. I reported fraudulent charges to my credit card but they remain on my account. I timely notified the companies I never received any goods or services and the companies agreed to take the charges off the account, yet Discover continues to place the fraudulent charges to my account. This is very XXXX to me as I am a victim of identity theft and insurance fraud. Please help me.
They are not responding to my income based repayment or my public service based forgiveness within a reasonable time. They have far surpassed the dates to respond in a timely manner, and are rejecting my application for unfair reasons.
Dear CFPB, This is the XXXX of my disputes with XXXX. I would like this negative information removed from my Transunion credit report also. Like I stated in the XXXX dispute with XXXX, this is NOT TRUE. XXXX received all of my payments. As you can see from my credit report, they did not put this on my report until many, many months after I had this paid in full. I just want the truth on my report. This is an unfair practice which I see is rampant. Sorry for writing XXXX disputes, but I have XXXX credit reporting agencies to go! Thank you for removing the negative information on my XXXX report. Please help me with the last XXXX. 
Thank you for your help. 
Regards, XXXX
TRIED TO FILE CLAIM FOR XXXX TAKEN FROM MY ACCOUNT BY XXXX XXXX  XXXX WITHOUT MY KNOWLEDGE FOR THE SALE OF 4 TIMESHARES. IVE CALLED AND WRITEN LETTERS, I PAID XXXX XXXX XX/XX/XXXX AT XXXX TO HELP ME GET MY MONEY BACK.CAN YOU PLEASE HELP ME GET MY MONEY BACK ... CAN YOU PLEASE HELP ME. BANK OF AMERICA CARD PUT ME ON HOLD EVERY TIME I CALL THEY SPEAK RUDE TO ME AND RAISE THERE VOICE TO ME AND TREAT ME BADLY. CAN YOU PLEASE HELP ME.. AGAINST BANK OF AMERICA CARD MASTER CARD # XXXX CALLED THEM XX/XX/XXXX SPOKE WITH XXXX FOR 40 MIN THEN XXXX FOR ANOTHER 40 MIN WHO REFUSED TO HELP ME.. CALLED XXXX XXXX XXXX XXXX WHO SAID XXXX XXXX XXXX  CLOSED XXXX THEN CALLED XXXX XXXX XXXX XXXX WHO SAID THEY DONT REPRESENT ME ANYMORE HOWEVER NOT CLOSED. MY STATMENTS SHOWS ON XX/XX/XXXX AT 13HRS AND 11 SECONDS XXXX WAS WITHDRAWN YET THE BANK REFUSES TO ACKNOWLEDGE.
Discover Student Loan ( s ) has incorrectly reported my account twice on my credit reports. The information reported is identical. This is direct violation of the Fair Credit Reporting Act. The amount that was charged off was {$7700.00}. Again, this debt has been reported twice, from the same creditor ( most recently as of XXXX XXXX ).
On XX/XX/XXXX the legal counsel for the alleged owner of my mortgage and note served by US Mail a 'Notice of Default ' on my mortgage. This notice quotes their compliance with the FDCPA and among other things lists five ( 5 ) specific items. Included is the name of the alleged debt/note/mortgage holder and my 'right ' to dispute this within 30 days. 

The true owner and holder in due course of my note and mortgage has been in dispute for over 6 years, and in an effort to establish the facts that would help me to understand 'who ' really has a legal claim against my note/mortgage, I formally responded to the request from the allege lender 's legal counsel, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , SC XXXX. " Notice of Dispute and Demand for Validation of Debt and Proof of Claim, on XX/XX/XXXX. This request was signed for and delivered to the law firm mentioned above within the 30 days allowed to respond. 

As of the filing of this complaint, XXXX XXXX XXXX XXXX XXXX has not responded to my formal dispute/request and has proceeded with the attempt to foreclose on my home. 

In addition, XXXX XXXX XXXX XXXX XXXX has served me with a formal foreclosure, Interrogatories, Production of Documents and Admissions, all of which have been answered in a timely manner by myself. I am representing myself Pro Se as I do not have the resources to defend myself in any other way. 

This law firm is acting upon the direction of OCWEN LOAN SERVICING, LLC and indirectly XXXX XXXX XXXX. They are clearly a licensed 'debt collection ' company here in SC, and should be accountable for their actions.
The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX Account # XXXX
I never agreed or signed documents for a loan with tjis company. Now they are appearing on my credit. I was denied home loan because of that.
I have reached out to this company via certified letter asking for debt validation in which this company has not responded to my request. I sent the debt validation letter on XX/XX/XXXX and again on XX/XX/XXXX with no response either time. I have no knowledge of this debt. I have no signed contract with this company nor do I have any signatures or receipts from this company. They have not responded to either request for validation. I am being denied credit because of this inaccurate information.