WillisBack/dataset-financial-user-claim huggingface dataset:
Originally my home loan was with XXXX XXXX XXXX.. no problems, payments on time etc. I had to file chpt XXXX due to a divorce due to ex wife '' s bills but did not include my home mortgage, the XXXX was discharged.My loan stayed on good standing all the time. 3 yeras later XXXX sold my loan to Nation Star and the trouble began, they kept calling and calling stating my mortgage was in the bankruptcy reported it on my credit report. Every statement stated my loan was part of a bankruptcy.. I never missed a payment with XXXX nor with Nation Star when they took over.. then Mr. Cooper Mortgage CO which is part of Nation Star somehow took over my mortgage and once again the phone calls continued. I have never missed a payment with Mr. Cooper either. My mail is unindated with solitation letters offering me to refinance my loan with Mr. Cooper. they continue to call my home phone as well as my cell phone with digital calling.Never leaving a message. In XXXX of this year my now wife answered the phone and he identified himself as Mr. Cooper morgage company to offer refinancing. My wife told him to stop calling our home and cell phone that we are not interested. The phone calls continue. When I researched this company there are pages and pages of complaints on Mr. Cooper mortgage as well ans Nation Star of  their harrassment practices .How is allowed. Doesn't this over see or review the on line complaints. I am a XXXX vet and the phone calls are aggravating as well as an invasion of my privacy let alone the negative statements that my home loan was part of a bankruptcy which it never was.
I have contacted NavientXXXX XXXX regarding incorrect reporting to the credit bureaus after review of my credit file I have found there are numerous inaccuracies which is resulting in my credit worthlessness being presented in a negative affect. There are XXXX late payments that are inaccurately and incorrectly reporting. During the time period these items are showing past due I was a active full time student. I reached out to a representative in XXXX and was advised the reporting would be corrected didn't realize it was not corrected until my paycheck was garnished. And the loan was showing defaulted which again should not have been. I reached out to Navient once more and was referred to XXXX there I started working with a manager by the name of XXXX XXXX she requested that i contact my schools registrar to get a record of all your dates of at least half-time attendance. After receiving this she advised that she would be sending the information over to both Navient and XXXX funds ( who was now involved because they were garnishing my wages ) She advised that everything was updated and removed yet the information is still reporting. Below are the accounts that are still currently reporting late XXXX times to XXXX XXXX  and XXXX 

Account # XXXX Navient Solutions/XXXX XXXX XXXX Balance : {$870.00} reporting late : XX/XX/XXXX - XX/XX/XXXX XXXX Balance : {$3500.00} reporting late XX/XX/XXXX XXXX XXXX Navient SolutionsXXXX XXXX Account # XXXX Org Balance : {$1300.00} Navient Solutions/XXXX  XXXX Account # XXXX Org Balance : {$3300.00}
This company threatened to damage my credit so I paid {$500.00} as requested for deletion BEFORE it appeared on my credit file. I paid and they STILL reported it to my credit file. They agreed to not have placed this on my credit and they sent it anyway to all 3 credit bureaus which is damaging my credit score. They lied.
Because of the way the bank is now listing things online, I can not tell whether it a debit or credit.This is not helpful accounting practices. This is a easy way to confuse people. Due to an head injury, this makes things more confusing. Online baking has always been in an accounting layout, the new layout is for apps, for smart phones. This is not fair, or right. I have multiple accounts.
I have recently been informed that there is negative information reported by Experian, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Experian did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.
False claim or representations violation co-conspirators were and are a debt collector under the FDCPA. 
Ocwen loan servicer Attached by XXXX XXXX of the office of ombudsman team at ocwen loan servicers claims that my loan was originated by XXXX and attached lost note affidavit to support it claims which is false. MY loan was originated by XXXX XXXX XXXX. 

This a matter of Public concern which ocwen loan servicing LLC and its con conspiracy XXXX, XXXX XXXX under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX. 

Indecome global services, XXXX XXXX, XXXX, Ocwen loan servicing LLC . 

XXXX frivolous lawsuit is nothing more than an invalid effort to harass and intimidate me in Violation of Federal and State statutes and, in addition, common law torts, including fraud, in Connection with foreclosure actions prosecuted by debt collector XXXX XXXX XXXX .ON Tens of Thousands of XXXX Foreclosure Frauds Orchestrated by 'Foreclosure Mill ' Attorney & Banks '' ( co -conspiracy ocwen loan servicing XXXX XXXX, XXXX , XXXX law firm XXXX were acting as debt collectors " pursuant to federal law '' as a collection agent for XXXX is actually representing XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fka XXXX as successor to XXXX XXXX XXXX XXXX as trustee FOR ramp XXXX and ocwen loan servicing, XXXX same services same as XXXX ) XXXX president ( indictment ) XXXX XXXX as attached she admitted to the types of activities that XXXX, ocwen loan, XXXX XXXX, XXXX XXXX are involve in around the counties around XXXX .see attached A XXXX search produces numerous articles and blogs referencing XXXX, XXXX, ocwen loan servicing robo signing, back dated documents, fraud documentation participation in the foreclosure crisis in XXXX in Associated with ROBO signing. 

XXXX XXXX XXXX LAW FIRM are attorneys who knows better, yet their foreclosure filings for parties who have no standing to sue confuse the courts and homeowners while he and his banking clients con conspiracy bank profit tremendously by throwing people on the streets. 

- '' Courts have rules and laws are made to be followed. XXXX XXXX needs to follow the rules and be accountable just like the rest of us, else we 're all victims to one big XXXX XXXX scam. '' - '' This is the biggest fraud in history, and it 's being done by the attorneys. ( XXXX XXXX XXXX The banks would n't be able to do it without the attorneys, '' ( XXXX XXXX XXXX law firm XXXX, XXXX, XXXX XXXX, XXXX XXXX ) - " These attorneys are not acting like attorneys. '' - " Theyre making up their own rules, and thats what frauds do, '' ... '' They 're just making stuff up. '' XXXX XXXX XXXX assignment fraud XXXX XXXX fraud assignments alphabet soup non existence `empty trust Photo shop mortgage note ( counterfeits checks, money " The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. )
I received a letter from XXXX XXXX stating I was interested in buying a car which is very untrue. I have 3 vehicle and not looking to purchase another. I never contacted these people to buy a car nor spoke with anyone to do so. This is fraud and I have an alert on my credit report due to being a victim of fraud by my ex husband. Theses inquiries need to be investigated and charges filed and a law suit against the company if they done it on their on! They need to remove this from my credit report!
This was my ex-wifes debt that has been investigated by XXXX, XXXX, and experian and proven as Not My Debt and removed from my credit reports. I have sent this company MANY letters showing my case results and they continue to send me settlement offers monthly that even acknowledge that it 's my ex wife s debt!
As an initial matter, this IS NOT a duplicate complaint, nor should it be treated as a duplicate complaint. If it is treated as a duplicate complaint, it will be submitted over and over and over again, until Citibank decides to address it, and if it can not be addressed by Citibank on this forum, then it will be FORCED to address this matter in COURT ...

In any event, pursuant to page 28 of the Citibank Client Manual, I notified Citibank, in writing, that I do not agree that Citibank may pay or reject any check which is presented to Citibank for payment more than six months after its date ( a stale-dated check ), on any of my checking accounts, even if the presentment occurs after the expiration of a stop payment order. Further, I also notified Citibank, in writing, that I do not agree that Citibank is not required to identify stale dated checks or to seek my permission to pay them. To the contrary, I notified Citibank, in writing, that it may not pay but shall reject any check which is presented to Citibank for payment more six months after its date ( a stale-dated check ), on any of my checking accounts, including, but more specifically, the checking account ending in XXXX. 

Citibank was specifically instructed to identify any stale dated check or seek my written permission to pay any stale dated check. Citibank was advised that if it failed to follow the above specific directive or instructions, that it shall be liable for the face value of the stale dated check including, but not limited to, any damages and attorney fees incurred. Citibank was on notice that this shall supersede any and all terms purportedly agreed to or contained on page 28 of the Citibank Client Manual.
Student loans are showing up as Delinquent. I am a 100 % combat related XXXX veteran and my student loans were discharged in accordance with the law. The credit reporting agencies are still reporting negative and open loans.
I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my wells fargo checking account to an account at XXXX XXXX. I requested this transfer be stopped on XXXX XXXX. Wells fargo denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police Wells fargo did request a return of my money from XXXX XXXX on XXXX XXXX. Since wells fargo could not guarantee the safety of my money I transferred most of my accounts to another bank. I did leave in enough money to cover my monthly automatic withdrawals as it would take time to notify all my accounts. Wells Fargo placed a hold on my newly formed account and would not allow bill payment until I spoke with a supervisor, XXXX, in fraud protection. Wells Fargo also sent my new checks and ATM card via postal service and I still do n't have then as of XXXX XXXX. Also every single day since the XXXX XXXX the Wells Fargo online system locks my account access so I ca n't verify any activity without contacting customer service and the fraud department to unlock and reset my password. If Only Wells Fargo would have been as diligent in stopping transactions before the fraud, none of this may have occurred.
On XX/XX/XXXX I filed a complaint about XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX. This complaint was forwarded to Equifax ( Case # XXXX ). On XX/XX/XXXX Equifax finally responded to this complaint and claims that all of the XXXX XXXX XXXX XXXX accounts have a balance of XXXX on my credit file, they also stated that they were sending a copy of my credit report that reflects all of the accounts are reporting a XXXX balance. I have since received this credit report dated XX/XX/XXXX and the one account question that I am disputing is still showing a balance of {$2500.00} which is opposed to what Equifax claimed in their response to my complaint. I will be attaching the page from my credit report that shows the account in question with a balance of {$2500.00}. 

On XX/XX/XXXX I contacted Equifax by telephone at approximately XXXX Pacific Standard Time to inquire about this item/account that still remains on my credit file and spoke to a representative named XXXX. XXXX was rude, not helpful and didn't sound like a native english speaker, so I requested a supervisor or manager at approximately XXXX Pacific Standard Time . XXXX put me on hold, every few minutes I could hear someone pick the phone up and then put me back on hold without updating me or saying anything as if they were hoping I hung up. At approximately XXXX Pacific Standard Time and 54 minutes on hold, a supervisor named XXXX ( employee id XXXX as provided by XXXX ) answered the phone. I attempted to address this issue with XXXX but he was just as rude and unhelpful as XXXX. At approximately XXXX Pacific Standard Time it was established between myself and XXXX that he will file another dispute on this item/account. I suppose he was about to begin the process of filing another dispute, when I asked if he will provide me with a confirmation number, he replied yes and then the line disconnected. I'm not sure if XXXX hung up the line on purpose, but I did not receive a return call from anyone from Equifax and I was unable to call back because Equifax was already closed. My initial was made before they had closed at XXXX Pacific Standard Time . So I never got the confirmation number from XXXX due this unfortunate event and possibly deliberate action on the part of XXXX. 

From my experience in the present, past and recent past Equifax or more accurately employees of Equifax are rude and unhelpful and seemed to be trained to violate the law i.e FCRA ( Fair Credit Reporting Act ). I am looking to have this issue resolved in regards the item/account in question as soon as possible or I will have to pursue further legal action and ultimately litigation against Equifax. 

I am disputing one item/account. According to Equifax 's response in the previous complaint they appear to be confused and think I'm disputing several items/accounts for XXXX XXXX XXXX, which is incorrect. I am disputing one item/account. The page from my credit file with this account listed and balance highlighted is attached to this complaint, so there should be no confusion on the part of Equifax or whomever handles this complaint from Equifax.
I made application on line for my report, they will not let me see the report, telling me to call them. After 1/2 hour on the phone to them, no one answered. It is sad that personal information lies with those we do not know. Sadder that we can not even find out what is being reported on us, without our permission.
They keep calling me at work, my cell phone, my family, and friend. 
They call many times of day. 
I do n't want to lose my job over this. 
They threatened my son.
On XX/XX/2018 at around XXXX eastern us time. I made a deal with a online friend to buy some goods from him. The deal was I give him XXXX USD and he would give me a total of 27 items for a game called XXXX XXXX. After the money was sent, he blocked my profile and the console and block my profile on XXXX where the deal was initially made. I have the conversation saved still. I emailed him and asked him to return my money but he has not responded.
I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is.
Took a loan out with Santander Bank on XX/XX/2016. They escrowed money from my loan proceeds to pay all of XX/XX/2016 taxes. Just found out they never paid them and now I 'm delinquent on my borough and county taxes. When I called them they told me they never took out the money which I can see on my settlement statement they did. XXXX XXXX in Mortgage Servicing told me they never with held any loan proceeds. I want a full accounting of my entire settlement, since they also paid off homeowners, title insurance, etc. Every time I call them I get a run around.
They are not investing my dispute. They claim I owe money to an apartment that actually owes me a refund. I have the invoice from the apartment and they are still not investigating. I spoke to someone at NCS on XX/XX/2018 and again on XX/XX/2018. I have sent them multiple emails with documentation and they have still not completed a proper investigation.
On XXXX XXXX, 2016, I checked my credit report through XXXX and there were a total of XXXX hard inquiries removed from my credit report. On XXXX XXXX, 2016, I checked my credit report again and discovered the XXXX hard inquiries that had been removed earlier were now re-inserted on my credit report without sending me a re-insertion letter in accordance with the FCRA - section 611. I have called Transunion and XXXX on multiple occasions and sent a certified letter ( return receipt received XXXX XXXX ) to each reporting agency. My calls to Transunion have been answered by foreign representatives who have refused to transfer me to U.S. reps to discuss my issues. They have told me it can not be fixed and I should go to the police if I want them removed. The police have told me they can not make the credit bureau be complicit with the FCRA. I want these hard inquiries removed as required. My calls and letters to XXXX have not been responded to and it is now 31 days past their awareness of the issue.
The debt collection company repeatedly said via voicemail I would be served a summons. When I contacted them, they informed me that the company they represented intended to file charges against me for fraud. They said that if i did n't make a payment that day that the company they represent would have someone come to my home or work to send me a criminal summons.
Below is the letter they finally sent me after via email after asking for them to send it by mail which they wo n't do initially. It took the weeks of calling me to finally even send the email. Warner Asset Location Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Phone : XXXX Fax : XXXX XXXXXXXXXXXX Payment Arrangement XX/XX/XXXX Account Information This notice is to inform you that the above referenced debt with XXXX XXXX and all rights and obligations regarding this debt have been assigned Warner Asset Location Services for immediate collection. Warner Asset Location Services has agreed to the payment arrangement below to satisfy your delinquent account with XXXX XXXX. Number of Payments : 1 Payment Date Payment Amount Status Type XX/XX/XXXX $ XXXX PENDING BALANCE IN FULL Once the final payment has cleared, your account will be considered paid in full and reported to the proper credit reporting agencies, where applicable. Furthermore, you will be released of any financial and/or legal obligations pertaining to the above referenced account as well as any remaining balance. If you do not adhere to the terms of this payment plan, your agreement will become null and void and we will continue to exercise all pursuant legal rights and remedies under applicable laws to obtain repayment accordingly. If you have any questions related to the above referenced payment plan, please do not hesitate to us toll free at XXXX XXXX Monday through Friday from XXXX XXXX EST. Please refer to your Account ID as indicated above on all questions and payments. Federal law requires that we notify you that this is an attempt to collect a debt and any information obtained will be used solely for that purpose. Sincerely, Warner Asset Location Services Original Creditor : XXXX XXXX Original Account Number : XXXX Account ID : XXXX Current Balance : $ XXXX
i start to make a payment to the company name national enterprice system, because this company make a setlement with the company who represent me name XXXX, but i cancell this company because they charge to much money for the srevices, know i keep make a payment, but national tried to make another offer because i told them, if they have any other offer, so they try for me to take other 0ffer, but this is the complete amounth that i owed, from the beggining, so they dont told me that, when i check the numbers, i call them back and they dont reply to me, and also they dont send me any receipt or any letter to comfirm my payment to Imake every month.
I was recently assessed a fee by Wells Fargo that was invalid. I was assessed a fee on XX/XX/XXXX for transferring money to my savings account out of my checking on XX/XX/XXXX. The fee is invalid for 2 reasons 1. if my account were to have gone negative on this day Wells Fargo would not have let me transfer the funds because my account has always been set to pull from my savings If my checking does not have the funds.

2. On the day I made the transfer I still have money to left in the checking account. 

What really happened was I had a an authorization for a charge that I thought was XXXX so I had that amount in my account the same day that it posted which was XX/XX/XXXX I saw it was for XXXX more so I went to the atm before XXXX and deposited XXXX to cover the transaction so I would not get an overdraft fee, but somehow Wells fargo managed to charge me a fee anyway. 


I contacted the call center to inquire about the fee and I was given a bogus answer, I requested to speak to a supervisor and was told the same thing so I requested to speak to that supervisor 's supervisor and she transferred me not to her supervisor but to wells fargo customer service department. I spoke with the customer service rep and after conversation with her she did over me partial refund of the fee, thats not acceptable because I was not in overdraft period to have a fee, so I requested to speak to her supervisor after holding for more thna 30 minutes she tells me her supervisor says he is too busy with other customers to talk to me and that I needed to be transferred to his voiccemail to leave him a message, i declined the transfer and preferred to wait a little longer, I had already been on the phone over an hour anyway, the rep came back to the line again stating her supervisor says he was not going to speak to me regardless of how long i wait so i told her to let me leave him a message, instead of her transerring me to his voicemail she transfers me to an outside phone of a truck driver that has no affiliation with wells fargo at all.
I need some help please, we settled out an account with an attorney XXXX XXXX collecting on a Capital One account, all payments cleared the last payment was returned with a notice mail last payment directly to Capital One which was done so. Now Capital One has sent it to another law office XXXX XXXX to collect the difference which was NOT what was agreed upon. We have been fighting this for several months now. Please help
This issue is regarding Midland Funding. This experience on account # XXXX has been a great when dealing with XXXX XXXX. She accepted my settlement on the amount of {$520.00} for {$230.00}. Our communication at that time was respectful and rewarding.
However, with dealing with all the other representative after the payment has been made has been less that satisfactory. They are demeaning and refuse to send me the requested satisfaction letter.
I need the CFPB assistance with getting my satisfaction letter and to have Midland Funding update my credit report to reflect a XXXX balance.
As a customer I expect the same respect that was given to them.
I have distute fro XXXX of 2017 that XXXX  refuses to process.