WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off my car expecting my title, but it has been over a XXXX weeks and I still do n't have it! Ally is telling me that they no longer have anything to do with my obtaining my title because they sent an email to California XXXX to release my title. California XXXX says they sent it over four weeks ago, but I have not received it. I have confirmed my address where the title should have been sent and it is correct, however, California XXXX does not track mail and now want me to complete a form requesting a duplicate title ( even though I never received any title ) and pay a fee. What a rip off!! Neither entity will get involved enough to PROVIDE ME WITH MY TITLE. I kept up my part of the deal and paid off my car, but they have neglected to send me my title.
Here is a sample scenario that we see replicated quite a few times In XXXX, XXXX borrowers take out a loan with XXXX In XXXX of XXXX XXXX XXXX XXXX ( who was not the beneficiary ) appointed XXXX XXXX as trustee, and XXXX XXXX reconveyed the deed of trust. Since XXXX was not the beneficiary, the reconveyance can not be considered good. 

In XXXX XXXX XXXX as attorney in fact for XXXX assigned the XXXX XXXX Deed of Trust to XXXX In XXXX XXXX XXXX assigned the XXXX Deed of Trust to Resurgent Capital Services In XXXX XXXX XXXX d/b/a XXXX as attorney in fact ( without disclosing who they are attorney in fact for ) assigned the deed of trust to XXXX XXXX XXXX. XXXX XXXX XXXX had no interest in the deed of trust so this assignment can not be considered good. 

XXXX XXXX XXXX then appointed XXXX XXXX as successor trustee and XXXX XXXX then reconveyed the deed of trust. Again, XXXX XXXX XXXX lacked the record authority to do this, so the reconveyance can not be considered good. 

Phone calls to Resurgent Capital Services end up going nowhere ; the customer service people answering the phone do n't know anything, and they are not allowed to put a caller into contact with any technical people who could help. 

We have come across several of these situations where a homeowner has paid off a loan on their home and, because of poor documentation by these major players, the homeowners ' home is not cleared of the lien of the mortgage. 

I can provide copies of documents on specific files and would appreciate any help in getting these matters resolved.
THIS COMPANY HAS CALLED MY WORK PHONE AFTER I TOLD THEM TO STOP CALLING, THEY ASKED TO SPEAK TO PEOPLE SITTING NEXT TO ME THEY ASKED THE RECEPTIONIST TO PAGE ME AND KEPT ASKING FOR A CELL PHONE NUMBER AT MY PLACE OF EMPLOYMENT. THEY CALLED MY CELL PHONE 13 TIMES
An auto accident occurred in XX/XX/XXXX due to negligence from another driver. The driver was insured by XXXX XXXX XXXX who agreed to pay all medical bills. The billing party ( medical company ) did not submit an invoice for payment until XX/XX/XXXX, over 2 years from the date of service. In speaking with the medical company, it was reiterated that all medical bills were to be paid by XXXX XXXX XXXX, who at that point had settled the claim. This medical company submitted all other invoices correctly to the insurance company for reimbursement except this one particular invoice. This bill does not to belong to me and is the responsibility of XXXX XXXX XXXX ; the medical company is to blame for the lack of submitting invoices in a timely manner.
For the past couple of years I have tried to make my payment online to Nationstar Mortgage. Their system allows me to separate my payment by regular monthly payment and then additional principal payments. My normal payment principal and interest is {$1700.00}. For several months I was paying {$1900.00} and showing {$200.00} to go toward principal. Those funds were always put into an unapplied account. I called several times to complain and was told each time it would be taken care of. It never was and I had to call every month or every couple of months for them to apply toward principal. I stopped for a few months because it was just a hassle. The past few months I tried to pay additional principal and they put it toward the following months payment. It 's as if they are trying to stop me from paying additional principal. I would like to pay my mortgage down quicker so it is paid in full by the time I am  XXXX . They are prohibiting me from doing it without calling in. This does n't seem right and I do n't know what to do.
I paid on my Walmart credit card over the phone {$300.00} the minimum payment was {$25.00} on XXXX/XXXX/2015. I paid more than required and the rep told me I would n't have to make another payment for the next few months. I never received any past due notices or emails, however XXXX/XXXX/2015 I received an email and a letter a few days later that my credit line has increased. I also logged into my account earlier this month and it said payment due date XXXX/XXXX/2015. The website was very misleading and the representative misrepresented everything to me. The only reason I knew my account was delinquent is because XXXX XXXX sent me an email notifying me there was a change in my credit report.
I am trying to place a security freeze on my Experian credit report, but their web interface for doing this is not functional ( has not been for months ), and the site just retuns a message citing technical problems and provides no other way to get in touch with them, so effectively, a person can not initiate a credit freeze through Experian ( at lease not through their web interface and they do n't provide a phone number as an alternate ). Because they are unable to provide this functionality ( I was easily able to accomplish the freezes on my XXXX and XXXX reports ), they, in my opinion, are in violation of FCRA.
I received an alert on my XXXX account from the XXXX  and XXXX  Bureau stating that I had a collection in progress from the business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY. I was really concerned about this issue and I gave them a call on XX/XX/XXXX, XXXX. I explained to them that I never received any prior billing or statement from them, that this debt was new to me. The person I spoke to, took my information, name, address, phone number. ( I have her name for future reference. ) She asked me about receiving any notice and I told her no, that the only reason I knew about this matter was that I was notified by my XXXX account for my credit report. She explained to me that it was from the XXXX XXXX office XXXX XXXX sent to XXXX XXXX XXXX for the amount of {$340.00}, for a lab test done on XX/XX/XXXX. Apparently, the insurance was charged but the member information was inaccurate. I told her my insurance has always paid for my lab test. The lady asked me for my Insurance Id number, I gave it to her, and she explained that XXXX XXXX XXXX had a wrong digit number, that this was causing the insurance not to pay for my XXXX XXXX. She asked me to contact her in two weeks to get an update on this case, that she was going to contact the lab. ( I believe two weeks is too long, my credit is going to be affected by this and I am planning to buy a house. ) After that I called XXXX ( Doctor Office ) and informed them of what was going on, the lady said to give them a week to investigate this matter. On XX/XX/XXXX, I called the XXXX XXXX XXXX at this number ( XXXX ) XXXX, they are affiliated with XXXX XXXX, they gave me another number to connect to them directly at ( XXXX ) XXXX. I was able to speak to a lady that I also have her name, she asked me if I never received a bill from them, I stated no. She asked me for my information name, address, phone number. I asked her to give me Information about my account since I never received any bill I didn't have any account number. She said she couldn't provide me with anything because she was not able to retrieve anything from her system. I explained the situation, but she couldn't see my Insurance Id number. She asked me to take a picture of my insurance card front and back and to send it to the email she provided me with. When I tried to forward the email, it was returned as a failure because the domain email does not exist. After several attempts, I try to reach XXXX XXXX XXXX again but their voice mail keeps saying ( Due to unforeseen circumstances we are unable to answer your call right now, please leave a message. ) I would like to know what should be my next step, I don't want this to stay on my credit report since it was not my fault. Thank you so much for your time.
In XXXX of 2014 I paid off an online payday loan. The original creditor was XXXX XXXX with a loan amout was {$300.00}. In order to avoid any legal action I had to pay {$760.00} to XXXX XXXX XXXX. They said someone was on their way to serve me with papers because I 'm being accussed of bank fraud and writing a bad check. I panicked and paid the {$760.00}. A XXXX weeks later I started getting calls from Clear Credit Solutions and they left me voicemails stating it was a legal matter that I needed to resolve before it goes further. I have only received funds from XXXX online payday loan which was paid off. These people continue to call both me and my finance ( who 's name is not on the loan only used as a reference ) and threaten to take legal action if I do n't pay. I 've filed compliants before with the attorney generals office, FTC and CFPB but nothing happens and I 'm scared.
I made my XX/XX/XXXX payment with 2 checks. Nationstar Mortgage 's report shows that they received them on XXXX XXXX and applied them to principal, rather than to the monthly payment due XX/XX/XXXX. I was not aware of this until my XX/XX/XXXX statement arrived. I immediately phoned them on or about XX/XX/XXXX and they corrected it in their records. However on XX/XX/XXXX I received a notice that my credit rating dropped. I reviewed my report and the drop in the rating was due to Nationstar 's reporting the XX/XX/XXXX payment delinquent for over 30 days, which was totally false in that they simply misapplied it. I filed a report with XXXX XX/XX/XXXX and XX/XX/XXXX and they said Nationstar has 60 days to respond. 

On XX/XX/XXXX I wrote to Nationstar requesting it be corrected. Heard nothing.

On XX/XX/XXXX I called a manager at Nationstar and they had me email the information to them, which I can and can forward to you. 

My credit has been significantly adversely affected and they are doing nothing. Now they are selling the loan to XXXX XXXX effectiveXX/XX/XXXX and have not corrected it yet.
Good Morning CFPB, My wife and I used SunTrust Rewards to book hotels in XXXX XXXX, Nevada and XXXX XXXX, South Carolina on XXXX/XXXX/2016. The reservation for XXXX XXXX was excellent, and we even called back to have our room upgraded. The reservation for XXXX XXXX has been a total nightmare for us. We have spoke to the same supervisor twice concerning our reservation. She continually informs her customers that they are incorrect, because she listened to a recording between the technician on duty and XXXX XXXX XXXX. The supervisor never offered too allow us the opportunity to listen to the tape ; however ; she consistently informed the customers that we are wrong. I am simply asking that my reservation on XXXX/XXXX/2016 be modified from XXXX villas to XXXX villa with XXXX bedrooms. We have spent many hours trying to rectify this problem with XXXX and SunTrust. We have come to the conclusion that we will eat the additional {$520.00} for a villa that we do not need ; however, we will discontinue all services at SunTrust. We have been loyal customers for over 22 years, but we will be moving all services to XXXX XXXX if we can not resolve this issue with SunTrust Rewards. We spend thousands through SunTrust Rewards every month, and we are dissatisfied with the service that we received from SunTrust Rewards management. They made a correction to my XXXX XXXX trip ; however, no correction can be made to our XXXX XXXX trip. We are tired, and we deserve better. Bottom Line is We are totally dissatisfied, and we will transfer all accounts if this problem is not rectified in a timely manner. We are considering talking to the XXXX concerning this issue. Our next letter will be directed to SunTrust Board of directors if this issue is not resolved in a timely manner. 

Respectfully, XXXX & XXXX XXXX XXXX
XX/XX/XXXX - XXXX reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with XXXX XXXX XXXX XXXX. <P/>XX/XX/XXXX XXXX reports FICO score dropped XXXX points same day as XXXX 30 day late report hit the bureau. <P/>XX/XX/XXXX XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX Discover XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have. <P/>Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof. <P/>Please help me. I do n't have money to go and hire a credit lawyer or anything like that. <P/>I have statements from XXXX showing that my account is in good standing and that it is paid off but they will not update my report. <P/>How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
My issues with Student Loans started aroundXX/XX/XXXX. We began looking for a home to purchase around XX/XX/XXXX and had an official credit report run which came back at about 755, so everything was looking good for purchasing a home. Then around XX/XX/XXXX something weird starting showing up on my credit report, the loans that I had been paying on had been transferred to Navient, which was really strange. ON TOP of that these loans being transferred to Navient showed a duplicate record ( so instead of 6 loans it was showing 12 ) which reduced my credit score down to about 610, and thus drove it lower from there, essentially making it so we could not buy a home. 

I called into Navient for the first time in XX/XX/XXXX, who claimed I did not have any Student Loans being processed/handled by them. 

From there I called back to the Federal Student Loan number who verified that Navient was the one that is now handling my loans. 

It took me 4 months ( XX/XX/XXXX ) before I could get Navient to claim they were the ones now servicing my loans. After that they claimed there was a {$5.00} outstanding charge on my account and that because of this I was showing as " defaulted '' I quickly paid that {$5.00} off to be taken out of default ... ... well now every month I am being charge {$170.00} through my bank which I had never authorized to be drawn from besides that {$5.00} to get me out of default before I could work on a repayment program. 

After discovering that I was being charged this amount I had my Fiancee call on my behalf and they gave her a run around and stated that " I can apply for more deferment time online but because you already went into default once they may not approve it unless we can prove that we can not handle {$170.00} a month '' ; essentially meaning " We XXXX over your deferment because you were just in default and paid {$5.00} to get out of it. '' On top of this the original interest amounts have gone up after being taken control of by Navient, and my credit score has barely improved.
In XXXX of this year, I opened a CitiBank Account Package ( checking and savings account ) under a promotion offering {$400.00} when {$15000.00} new money was deposited in combination into the savings and checking account and the balance was maintained for XXXX calendar days. I deposited {$15000.00} in combination into both accounts on XX/XX/18 and maintained the balance into XXXX. Citi Personal Bankers have confirmed for me over the phone that I have met the requirements of the promotion as of XX/XX/18 ; however, I still have not received the bonus. XXXX days have now passed since I met the requirements. When I spoke to Citi Personal Bankers, on multiple occasions they have told me that the terms state the bonus will be paid ON the XXXX day following meeting the requirements ; however, I shared that the disclosure on the webpage for the offer states " ... you can earn a {$400.00} 'Cash Bonus ' which will be credited to your new Eligible Checking Account WITHIN XXXX ( XXXX ) calendar days from the date you complete all offer requirements. '' The Citi Personal Bankers acknowledged this disclosure ; however, they stated they never see the bonus deposited prior to XXXX   days. 

Since the disclosure states the bonus " will be paid WITHIN XXXX days '', and not " AT XXXX days '', I'd like to file a UDAAP complaint since I was expecting the bonus sooner than day XXXX. At the current moment, I must maintain the account open in its current status with the funds unable to be withdrawn or otherwise risk getting monthly maintenance fees withdrawn for going below the balance threshold, since if I close the account, change it to a different account that has a lower balance threshold, etc. will mean I will not receive the bonus since Citi states the account must be in original form at time of paying the bonus.
I tried contacting a company that appeared on my credit report and I was told they do not have any information or account to be removed. The company is XXXX XXXX XXXX XXXX. I am not aware of this company and I don't own any credit Cards.
XXXX XXXX  XXXX  is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
I just dont get it. original loan with navient is XXXX i owe XXXX i pay every month XXXX XXXX to principal and XXXX to interest. this has been going on for 10 years. how will i ever pay this off. i am getting robbed and no one will help. no one. loan numbers with navient are XXXX XXXX i have submitted a complaint before i recieved a letter from you but no response from navient. there are doing nothing. i feel that i am being robbed and what can i do and at this rate when does the principle go down.
I did n't receive any information from this company yet it 's showing on my credit report. This is from 2010! I never received anything from them or from XXXX XXXX. I have found out that they should n't be contacting me because they never billed my insurance in 2010!!! The insurance company said they need to right it off since they never sumitted it to them.
i have several accounts that are not mine reporting on my credit bureau I have filed a recent police report with all of the accounts on them and a notarized id theft affidavit
Roundpoint mortgage sent me a notice indicating that my escrow account was going to have a shortfall so in XX/XX/XXXX they increased my escrow payment by over {$200.00} dollars per month. By XX/XX/XXXX I was already struggling to make that increased payment so I signed onto my online account and noticed that what they had indicated on the escrow increase was not true. Instead of a escrow shortfall I actually had a surplus. I wrote to them at that time that I wanted a new escrow analysis done since my escrow account was too high. They did not respond to my written request so I called in XX/XX/XXXX to explain the situation. They agreed to do the new analysis, but when it was completed my escrow payment only went down by approximately {$50.00} dollars, and they sent me a bill for an escrow shortfall. I did not pay the bill. However, in that time, I have been late on my payments while my escrow has continued to increase to the current balance of {$6500.00} ( XX/XX/XXXX ) and my XX/XX/XXXX taxes and insurance has been paid. I just called Roundpoint again to tell them that the analysis was wrong. The service representative told me that they would complete a research which will take until XX/XX/XXXX, and then if they find an issue they will do a new analysis within 10 days. At their timeline, the issue wo n't even be addressed, if at all, for another month. Having made my initial request in XX/XX/XXXX, I believe that they have adversely affected my credit standing, created financial hardship for myself and my family, and have exceeded the amount that they are legally able to collect in my escrow account.
I contacted the collection agency I was referred to by the original creditor to ask them why they are not reporting the payments that Im making to them on behalf of the creditor. I was informed that although the creditor closed my account, it was only closed to the point of no longer being able to purchase any more equipment from them, but it was still open for them to report late payments to the credit bureaus, although I've been making payments since XXXX to the collection agency. They stated that since the account was still open, they were not able to report my payments to the credit bureaus, and that the creditor stated that they will continue to report late repayments until I have paid the full amount, or the settlement in full. I informed the representative that I would like to stop making payments until I heard back from the CFPB regarding my complaint against the creditor. The representative informed me that if I stopped making payments to them, the creditor would be taking me to court for the balance due. I believe that they is illegal with malice on both parties, but that the original creditor is intentionally damaging my credit and harming my life.
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX I challenge the accuracy, compliance and reportability of this listing.I contacted creditors and was informed that these accounts were not verified. 

There are no contracts, no valid claim ... accounts were settled with original creditors grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow ... 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..