WillisBack/dataset-financial-user-claim huggingface dataset:
Several banks and servicers have attempted to illegally take my home using fraudulent and bogus documents. XXXX started this in 2008 ; many banks used delaying tactics and phone mills/robosigning and refusing payments to put my home into jeopardy. I have been able to thwart XXXX seperate attempts to foreclose with the help of our local District Judge and Temporary Restraining Orders. I have reliable authoritative witnesses to the 'Transfer of Mortgage ' document XXXX ( recently they cancelled the sale of my home and transfer my case to Shellpoint Mortgage Servicing ) & Shellpoint Mortgage Servicing have used to say they have the right to foreclose, but they have no standing. Attempting to extort money from me using a fraudulent document is illegal. Their licenses to operate need to be revoked, and they need to cease and desist attempting to collect money from me, or any homeowner, unless they have a clear, legal chain of title. Which in my case they do n't or they wouldnt need to use one that is so simply proven to be fraudulent.
I have a {$9.00} toll charge with the XXXX. They have a contract with Linebarger Goggan Blair to collect debts. I live in the XXXX area, and my bank card on file had expired so when the money in my account was used, it kicked back the charge. I received an invoice for the tolls + administrative costs from XXXX. I contacted them to correct the issue. I was told to contact my local toll authority ( XXXX ) and have them send over verification of a good standing account. I did that. During their exchange of information which I have no control over, XXXX sent my account to collections, subsequently adding approximately {$120.00} on top of the {$30.00} administrative fees ( which XXXX agreed to remove ). My final bill is {$150.00}. I was instructed to contact Linebarger for any removal of their fees, which they told me they would not do under any circumstance, and the collection representative " XXXX '', informed me that I had committed a Class C Misdemeanor and had broken the law. All the toll authority had to do is run the charge again, but they send their accounts to collections because someone is getting their pockets lined at the consumers expense. It is unethical. I did not attempt to break any law and XXXX has since received money on behalf of my toll usage, but has maintained that they will not take my toll payment for this one day.
WESTERNUNION ALLOWED THEM TO COMMIT FRAUD AGAINST ME BY NOT MAKING AWARE OF THE SCAM THEY ALL KNEW IT AS THEY LAUGHED. THIS IS VIOLATING THE DODD-FRANK ACT.
I applied for credit with XXXX XXXX XXXX  and they ran my credit thru Experian. This is a copy of why I was declined. None of this is true Experian is reporting false information to creditors.
PNC Bank changed my checking account. I opened my checking account with National City Bank when I was in XXXX school it was a free checking account. When PNC aquired National City I was informed nothing had change with how my account operated and if something were to changed I would have a say in what product to choose from as they offered different checking account options. I never got anything notifying me of a change to my checking account. I had {$15.00} to {$20.00} dollars in my account they took it all with charges based on changes they implemented. When I called in the 1st guy said sorry and that he would do his best to issue me the funds. He would open a ticket with a manager to contact me - the manager said my money would not be refunded as i did not comply with the account rules. Again they changed the rules. In addition, I learned that they do offer free checking for online banking but did not change my bank account to that option or asked me what option i would want to take due to their change in policy. I mean they should have provided me the option as their customer to decide what checking account would work best for me based on them changing their products. Instead they caused me headaches and money and have lost me as a customer.
I have an account that was reported to my XXXX credit report by Midwest Recovery Systems in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to XXXX XXXX and was re assigned to Midwest Recovery Systems and reported to XXXX. I contacted Midwest Recovery Systems today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.
I signed up with services from XXXX and bundled my service with XXXX. During my set up the rep told me it was only a one year contract and that after my year contract I could cancel my services. During the year many issues arose from the billing and each month I had to call both companies to straighten out the bill. Each company was paid according to what they told me. After 15 months I canceled service and relocated to a new state. I have checked my credit report and I am being reported to XXXX different credit agencies from XXXX. Each CA has a different amount and contacting both CA 's and XXXX I have gotten no where. I would like some direction on what I can do to remove this from my report. AFNI has listed I owe {$290.00} and the second company XXXX XXXX listed that I owe {$260.00}.
It was very unfortunate that the person on the call from Collection Bureau of America was very rude to the point that he did not listen to the details. I am sending the details again for the benefit of all stakeholders. 
XXXX XXXX was supposed to provide a credit of {$50.00} as part of first time discount when we started the services. Numerous calls and emails ( see the attached email communication ) did not result in any resolution. On top of it, they stopped the water supply since last XXXX months which has caused great inconvenience to my family.
I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my XXXX CB, I received response from XXXX that this account was verified as accurate and updated.
Name : XXXX XXXX XXXX SSN : XXXX Date : XX/XX/19 Re : " National Credit Adjusters ( XXXX XXXX ) '' Phone : ( XXXX ) XXXX This account was recently reported to all 3 Credit Bureaus. The alleged balance is {$350.00}, however I have never had any business or association with " XXXX XXXX XXXX. '' I have yet to receive any debt validation letter either. This account is listed as a negative item and has impacted my credit score adversely. I am asking that this account be removed ASAP and that my credit be remedied accordingly. 

Thank you.
On XX/XX/XXXX I sent a certified letter to XXXX XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to Experian containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Experian. Experian # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX  # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that XXXX XXXX received the certified packet and on XX/XX/XXXX I received confirmation that Experian and XXXX  received the certified packet that I sent. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX  levels. 

On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to assist me in this urgent matter and clear this up as soon as possible.
I signed for a home loan with my mother ( XXXX XXXX XXXX ) and grandmother ( XXXX XXXX ( deceased ) ) in XXXX for a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX. My mother has always been responsible for mortgage payments for that home because that is where she resides. I purchased my own home in XXXX. My mother experienced financial hardship and, unbeknownst to me, stopped paying her mortgage for over 2 years. I was notified in XXXX by Wells Fargo Bank ( who currently services my home loan ) about this situation and was extremely upset. Wells Fargo employees instructed me that my mother was attempting to modify her home loan and needed my signature on the modification paperwork to do so. I informed Wells Fargo employees that I WOULD NOT consent to signing a modification and advised them that my mother needed to refinance her property in order to remove me from her home loan. Wells Fargo employees instructed me to sign a Quit Claim Deed and advised me that I would be removed from the deed of my mother 's home and the loan ( deed of trust ) for my mother 's residence ( above referenced property ). I signed a Quit Claim Deed in XXXX. I learned in XX/XX/XXXX that Wells Fargo actually modified my mother 's original loan without my knowledge, consent, or signature in XXXX. I was not aware of any of this until XX/XX/XXXX and have never received any documentation pertaining to the loan on my mother 's residence. I have been a homeowner since XXXX and have not lived at my mother 's residence since about XXXX. After repeatedly questioning them, I learned that Wells Fargo employees instructed me to sign a Quit Claim Deed in XXXX because that actually ONLY removed me from the deed and NOT the deed of trust. Since I adamantly REFUSED to sign a loan modification in reference to the property listed above in XXXX, Wells Fargo employees used deceitful tactics to have me removed from the deed of the property. Wells Fargo then processed a loan modification without my knowledge in XXXX. In XX/XX/XXXX, Wells Fargo employees acted as if they had a document with my signature on it from XXXX. I informed them several times that my signature was forged if they have any modification document from XXXX containing my signature. I later learned that they DID NOT have modification paperwork from XXXX containing my signature. I was informed in XX/XX/XXXX by Wells Fargo employees that " they were not required to have my signature on the loan modification in XXXX. '' I repeatedly advised that this was illegal. I was informed that this practice was " ok '' back in XXXX but advised that this practice " has since changed '' and that they require signatures from everyone listed on the loan. I have since obtained a copy of the paperwork and will be attaching it to this complaint.
Working with Sun West Mortgage through XXXX XXXX. I have been waiting weeks for a Closing Disclosure. I 've extended the financial contingency / contract agreement several times due to slow response and to avoid losing the opportunity to purchase the home. Due to the distressed status of the property, I was required to make repairs so that the home would fall under FHA guidelines - the repairs amount to over {$1000.00}. If the loan funds are not dispersed to the seller - I risk losing my appraisal fees, repair fees and time and money spent packing up my current home. XXXX XXXX is the representative on the Sun West Mortgage side. Also, XXXX XXXX is the representative of XXXX XXXX.
I received a promo in mail from Citibank to open a citi gold account make two bill-pays every month for 2 months and i will receive XXXX citi thank you points. 
after 3 months i received the points but before i had a chance to use them they closed my account and removed the points
I read your response XXXX XXXX .... you are essentially saying 2/3 cards that I said were stolen are written off and you can not find me responsible. I reported all these cards stolen the same day. You understand by saying what you're saying you are admitting I had credit cards that were fraudulently used on the same day/night and you're trying to worm your way out of the XXXX XXXX  charge. I assume you are attempting to hold me responsible for the XXXX  charge. In order to hold me responsible you need to prove I was present at the store. Please get a video from the XXXX  store of me purchasing the XXXX product and I will pay in full immediately. I like how you said you wouldn't respond guess what you're gon na respond again, every 15 days Im gunna be writing you a letter until you make this right. Eventually your company is gunna end up paying {$12000.00} + on just responding to me. Do the right thing give me my stolen money back. No jury of my peers is going to side with your company without concrete evidence. I however have ample evidence I was not there at the time I.E. Clock in records of me clocking in at XXXX ( PT ), employees saying I was at work, the fact that the charges took place 2 hours away from where I worked, the fact the person who used my phone ( you admit ) sounds different than me a failed my password and did not know my social security number, the fact you told me to drive to the XXXX store and not to worry because you spoke to the security team and let them know to give me my money back. Way to many facts are against you please do the right thing you will lose in court and I will make sure the case gets seen by all government agencies. {$12000.00} is not going to be worth a Multi-million dollar fine for attempting to rob your customers. Do the right thing give me my stolen money back.
I have only went by XXXX name my entire life. There are XXXX names that are not me, reported on my credit. One is associated with a misdemeanor. I have never been married. my birth name is the only name I have ever went by.
Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, i have not gotten a response
There is an account reporting on my credit file with Equifax for a college I have never attended, applied to or had anything to do with. I have disputed this several times and they still reporting this on my file. I have never heard of XXXX XXXX University until it showed on my credit file. This is not mine and Equifax is doing nothing to resolve this mistake.
My home loan was modified effective XXXX XXXX, XXXX while XXXX XXXX XXXX ( XXXX ) was servicing the loan. The new terms of the loan were : interest only payments at 5.25 % with a loan balance of {$280000.00}. There was no provision for escrow payments. The loan was transferred to Resurgent Mortgage on XXXX XXXX, XXXX and a few months later to Shellpoint Mortgage Servicing Company. When the loan was initially transferred to XXXX, the monthly payment amount was listed at {$2400.00}. I called and wrote to Resurgent to explain to them that their records from XXXX were incorrect. After nearly four months, Shellpoint replied and allegedly sent a loan history on XXXX XXXX, XXXX, but none was enclosed. My IRS form XXXX for year XXXX arrived in XXXX and the figures were obviously incorrect, showing approximately {$43000.00} paid in interest ( twelve payments of $ XXXX/month does not equate ). On XXXX XXXX, XXXX I wrote to Shellpoint -- via certified letter -- asking to correct XXXX and XXXX interest paid that was reported to IRS. XXXX did not reply. On XXXX XXXX, XXXX I sent another certified letter asking to correct the interest paid for XXXX and XXXX. During these times, I constantly called Shellpoint, only to leave messages that were not returned, by either letter or phone call. Finally, in XXXX, I actually was able to talk to XXXX at Shellpoint ; she said that I could not obtain any loan information because I was represented by an attorney and needed his permission. She advised that once I got " approval '' from my attorney, the loan documents would be dispatched. XXXX XXXX XXXX, XXXX. XXXX my attorney ) emailed XXXX on XXXX XXXX, XXXX stating that Shellpoint could provide any information I requested. I emailed/followed up on XXXX XXXX, XXXX with XXXX, again asking for this information. To date, I have not received a loan history. In the interim, Shellpoint shows my account with legal fees, late charges, miscellaneous fees, unapplied payments, etc. on their web site. There is no substantiation for such charges. I was told by XXXX that the official mailing address for payments was changing ; I requested this information via official letter, however, I have not received any notice as of this filing. Further, Shellpoint is not reporting my current loan status to the credit reporting. agencies. Recently, Shellpoint sent a revised IRS form XXXX for XXXX. Based on this revision, Shellpoint is clearly able to provide an accurate loan balance.
I'd like to file a complaint about the opening bonus of my Citi thank you premier card. Per condition and term ( *please see attached about condition and term ), I will receive XXXX TYP after spending XXXX   within the first 90 days after the account is opened. After I spent $ XXXX, I chated with Citi and got the confirmation that I'll be receiving my XXXX TYP within next 1-2 billing cycles ( *please see the screenshot named after p1 ). Till last week, I still haven't received the opening bonus, so I chated again with Citi and I was told that I no longer will be able to receive points since I didn't meet the spending requirement. For whatever reason, they said they appreciated my business and gave me XXXX   points as goodwill.

I'm SO SO SO confused about why I was told to get XXXX thank-you points a month ago but now I'm told I won't ( * please see the screenshot named after p2 ). This is SO SO SO frustrating and I'd like to request CFPB to help me out.
My student loans are serviced through Navient. I have a repayment plan with consolidated federal direct loans that is income driven. The only problem with that is that this plan does not take all of my other debt into account. They strictly ask for income and never ask for existing debt. I have a mortgage, two car payments, and multiple credit cards to pay as well. There is no way I can afford a {$400.00} a month repayment plan. I owed {$49000.00} in student loans when I graduated in 2012 but have had to forbear my loan repayment since then because even on income driven repayment I can not afford it. I WANT to pay my student loans back but now I owe almost {$80000.00} in student loans because of interest. My husband and I both have two jobs, how is this even fair? Even when I call them and complain repeatedly that I can not afford it they will not take my existing debt into consideration. How am I ever supposed to repay them? Now I am out of forbearance all together and I can not pay my monthly amount. Do I just wait for them to start garnishing my wages? If I can't afford it now, how am I going to be able to afford that? Then how do I pay my mortgage? Car payments? Credit card payments? How can they get away with only considering income and not considering debt? There is no way I can work any harder than I already am. IT is super stressful. Is anything being done to revise how they handle student loan repayment with Navient? I am sure that I am not alone in this struggle. Please help.
Early in XX/XX/2018, I filed for CH XXXX bankruptcy. During this time, I was 100 % payment history on my auto loan. During the bankruptcy, they took away my permissions to pay online, so I attempted to call in. They assured me that there is no issue, and I will be able to make payments online shortly. I called a few times during my bankruptcy to try to make a payment, but was unable to. When The bankruptcy finalized, they told me I'm over 3 months behind. I made MULTIPLE attempts to make payments on time, and they are now hurting my credit score because they were unwilling to take my payment during bankruptcy. They still refuse to assist me.
I filed bankruptcy in XXXX XXXX. I often check my bankruptcy summary to make sure all payments are being applied. I recently noticed that Citimortgage placed an arrearage in my bankruptcy for the amount of XXXX. I called to check the situation and was told that I owe for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for which I have bank statements where I paid for the months mentioned above. I also received a statement that states I am to receive a surplus check in the amount of XXXX, that I will not receive because all my payments have not been met. As mentioned above, I have bank receipts for the months mentioned above with the exception of XX/XX/XXXX. I have corresponded with XXXX XXXX XXXX who has only responded to one of my emails.
Our mortgage company has repeatedly called us to make a mortgage payment when our mortgage is not late. We were told they would not call us anymore, yet we received a threatening call last night from a very rude person. We feel at this point we are being harassed.
On the XXXX of XXXX I transferred the amount of {$500.00} through chase bank with XXXX to a friend and to date he havent received the money, bank notified me that I might not get back my refund.
I had XXXX and the doctor was not sure at first how long I 'd been out of work. So I thought that I should let the bank know the situation as far as IF I may get a month behind in my mortgage. Since 2003 I have never been late or missed a mortgage payment and at that time was current. The representative suggest that I consider a modification and that I should wait and be late a month to start this process. I said NO I do n't want to be late. So now we start the process which took from XXXX to XXXX. They took {$100.00} off my mortgage. Put me on trial to see if I could make the lower payments which I did. Of course the lower payment I was paying was not what my new mortgage was to be. In the process they got the {$100.00} dollars back ( because of higher taxes and escrow short ) and my mortgage is more than it was at first. But the mean thing is that they put my mortgage account it a delinquent status and put it on my credit report. I think this is mean and unfair. I have written letters to all three credit report companies and they say it can be removed but I 'd need a letter from the bank. I have written several letters XXXX one to the CEO ) and made several in-person attempts and was also told it could be taken off. None\of this has worked and I rec 'd a letter from the bank telling me to stop writing because my compliant was frivolous and a waste of time and they were not going to remove it. It has really put my credit report in a nasty spot. I 'm not able to do anything with the being the first thing you see on my credit report. I do hope you can help get me some help with this. I was only trying to do the right thing and this is what I got.