WillisBack/dataset-financial-user-claim huggingface dataset:
i have not paid a mortgage since 2016 and i have a buyer who is willing to do a discounted payoff with Ocwen Loan Servicing. Due to the condition of the property i am lucky to have an offer at this time. The home has significant amounts of mold inside and out. The deck has been sited by code enforcement on more than one occasion. I do not want to take the chance of losing my buyer simply because the lender and/or investor is refusing to be reasonable. I thought that the lender was supposed to assist me with foreclosure alternatives. At this time, i feels as if the investor and/or servicer is n't doing what the government says they should do to provide me with foreclosure alternatives, i feel as if they are being unreasonable, by not allowing a review of a discounted payoff. I am desperate for help, and with no other option I am reaching out to you for help.
Have received multiple telephone calls, and now a negative listing on my credit report, regarding a payday loan for {$2000.00} through XXXX allegedly taken out in XX/XX/2013. I did n't take out this payday loan.
I received a letter on XX/XX/XXXX from XXXX XXXX XXXX claiming I owed {$850.00} to XXXX XXXX. I have never used XXXX and have never had cable. I went online and it seems they are sending out letters to people saying they owe money for Cable services they never received.
I attempted to make a payment through PayPal as the public agency I was paying said they only took PayPal payments. I have a PayPal account I never use so I went to it and assumed my payment would either be directly from my checking account or from the credit card I have on file. Instead they established a credit account in my name that I DID NOT REQUEST and then proceeded to do an unauthorized hard inquiry on my credit report. I called them and they did quickly charge my credit card and cancel the line of credit they had established. My sense in talking to their agent was that PayPal clearly recognized that what they did was unauthorized, but said they could not erase the hard inquiry. They were doing exactly what the CFPB and PayPal reached an agreement that they cease doing and for which they paid an inadequate fine. They claimed I authorized the credit account as it was hidden somewhere in the agreement I made when I authorized the payment. It was completely unclear to me that that was what I was doing or that that was their intention. It is clear, however, that they set up their system so it automatically creates a credit line so when you think you are paying directly with PayPal you are in fact establishing credit with them. Your fine is obviously inadequate since it is clear that this business is profitable enough that paying the fine is just a cost of doing business and not a disincentive for dishonest activity. Thank you.
I have been working with clients for 8 months, trying to obtain a discharge of mortgage for a loan that was paid off in XXXX. The home equity loan was originally obtained in XXXX. We have followed HSBC 's procedure which requires we submit all information via email to the lien release department. This information has been submitted no less than 20 times. We are not able to get any response, we can not get a phone number to speak to someone directly in this lien release department. We have {$40000.00} being held in a title company 's escrow account awaiting the discharge. Without the discharge of mortgage, we are unable to obtain release of the {$40000.00} being held from the sale of this property. 
It is ridiculous and highly unprofessional of HSBC to blatantly ignore our requests.
I have n't used my M & T Bank checking account in over a year. They would n't let me close it, because they said I had walk into a branch to do it. I was n't able to go to a branch because I moved over 1000 miles away from the closest M & T Bank branch.

Over three months ago, there were fraudulent charges on that account. The account had a XXXX balance, so the credit card that was tied to the account was charged as a result of the overdraft protection.

I disputed the fraudulent charges on the checking account and M & T resolved that issue after about a dozen calls with customer service. I 'm still receiving notices that I owe money on the credit card, and I was notified that I 'm being sent to collections. I 've had an additional dozen calls regarding the credit card issue, and I 'm being told that they 'll " research it '' and get back to me. Meanwhile, the credit card issues has already been communicated to the credit bureaus.
In XXXX we had a small house fire which was covered by XXXX insurance. We were given several checks to cover loss of property as well as damages to our home. One of the checks ( the one in question ) for XXXX was a 3 party check needing signatures by my self, my wife and the mortgage holder. I took the check to My bank ( Wells Fargo ) and gave it to them for deposit. They told my it needed the 3rd signature and that I would have to wait 10 to 15 days for that signature before the funds would be deposited. After that period the funds became available in my checking account. I assumed that all was good and proceeded to use the funds for repair and replacement. I received no other correspondence. On XXXX I went to the bank ( Wells Fargo ) to get some cash for groceries at the ATM and found I was over drawn. I looked online and found the account was over drawn by over XXXX. I proceeded to the bank lobby and talked to a personal banker who said that since the draft was still pending that they could not see what it was. I came back the next day and they showed me a copy of the XXXX XXXX Check and said it was not endorsed by the 3rd party and that this is why my account was negative by over XXXX. They then said that XXXX XXXX had sent it back for this reason. I called my agent XXXX XXXX at XXXX in XXXX Idaho and told him this. He has checked all branches and all have said this was not true and that the check and claim to this effect was closed and that in all their exsperience they had never heard of this before and that it was unprecedented. Now Wells Fargo insists that the check be mailed to me and that then I am to mail it to the mortgage company for endorsement. Then will mail it back to me to bring to the Bank. I no longer live in the house in question. As of now my account is negative over XXXX, I have no cash or access to money untill this is resolved. I will have to open an account ( at another bank ) to even cash a pay check to live on. This looks to me like a oversight on their part from 1 1/2 years ago and now durring an audit they have discovered their mistake and are holding me accountable. Mean time my wife is XXXX over this I have had to take off work because of this and to chase down a resolution that is not in the near future. I need food, heat and bills money. XXXX out to the maximum, can hardly XXXX. Right now XXXX XXXX is doing their best for me in trying to resolve on their end.
Dear XXXX I am responding about a debt you are trying to collect in the amount of {$150.00} that appeared on my credit report which has grossly lowered my credit score. This debt is parking or re-aging, I have made a complaint about this debt already with ID # XXXX and debt was paid on XX/XX/2018 to the original creditor XXXX XXXX in the amount of {$150.00}. please removed this debt from my credit report immediately.
Altisource used its cozy relationship with pretender lender loan servicer  XXXX   XXXX   XXXX  as a weapon, using fraudulent trustee sale taking place in just days as a weapon to force me into only  XXXX  option to save my home from fraudulent trustee sale taking place in just days.  Altisource  illegally attempted to seize my home, using ocwen fraudulent records fraudulent documents fraudulent information fraudulent phony  XXXX  file fraudulent loan balances fraudulent past due payments. When my incompetent lawyer  TROs  was denied because my incompetent lawyer did n't serve all the defendants and follow the rules of the court, Ocwen then threatened me increasing the {$660000.00} loan modification to a none negotiable {$750000.00} modification using fraudulent documents fraudulent payment history fraudulent records fraudulent phony  XXXX  file fraudulent principal balances, threatening me that if I did n't sign the pretender lender loan servicers increased none negotiable loan modification settlement in  XXXX  hours  XXXX  and  Altisource  will proceed with the fraudulent trustee sale taking place in just days. I was forced to sign the pretender lender loan servicers increased none negotiable loan modification to avoid fraudulent Altisource trustee sale and I would I lost my home forever. I have filed multiple consumer complaints.  XXXX  robo-starr continues to cover up its fraudulent fronts and totally ignores all my complaints, and  XXXX   XXXX  continues to threaten me with foreclosure.
I had the worst banking experience at Citibank. I signed up for a {$300.00} promotion online on XXXX XXXX, XXXX. I was supposed to receive my account information packet within a week of opening the account, but I did not receive it for about a month. I repeatedly called Citi about it and at first, they told me to keep waiting, but after a month, I called to complain, and they finally sent it to me. 

I then called in multiple times ( at least once in XXXX, XXXX, XXXX, AND XXXX ) to speak with a representative about whether I would receive the promotional credit and was assured multiple times by different representatives that I would receive my promotional credit, but had to wait for some procedures to go through. In XXXX, they told me to call back in XXXX. In XXXX, they told me call back in XXXX. 6 months and more than 6 phone calls later, still no credit, and no accountability from Citibank. I called them a final time in XXXX and told them there was no excuse for them to keep delaying crediting my account with my credit, and they told me that I did not fulfill the original criteria of getting that credit because I did not make a direct deposit within 1 month of opening the account. I was extremely frustrated because I had called in multiple times along the way to ask about this because it was Citibank 's fault that I did not receive my account information until a month after opening my account, and now they were blaming me for not having the account information to make the direct deposit. I am so frustrated with how Citibank stringed me along all this time only to continue to deny me the promotional credit they had promised me. Not only did they continue to lie to me, they also consistently wasted my time and required more than the normal effort to get a response. This is the worst bank I 've ever worked with and I will recommend against it to all of my family and friends, and I hope CFPB will be able to right this wrong.
XXXX and Transunion has violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ) False or misleading representation ( 15USC 1962e ) On XX/XX/2017 I obtained a copy of my Transunion Credit Report as I have alerts on my reports because of fraud only to discover that XXXX XXXX XXXX had illegally inserted collection information on my report in the amount of {$43000.00}. First of all they are not allowed to collect in my state. They called me harassing me over the phone. The debt they listed is already listed by the original lender and therefore they have listed it twice with incorrect dates and incorrect amounts. I have no contract with them and have never given them my personal information i.e. social security number etc. Please see the below information from the FTC, clearly they are still in violation : A Memphis-based debt collector has agreed to stop deceiving and harassing consumers and otherwise violating federal debt collection laws, and will pay a {$1.00} XXXX civil penalty to settle Federal Trade Commission charges, while a debt collection operation headquartered outside XXXX XXXX will pay {$490000.00} as a penalty to settle a separate FTC complaint. " The FTC is committed to protecting consumers from all types of deceptive and harassing debt collection tactics, '' said XXXX Director of the XXXX. XXXX In its complaint against XXXX XXXX XXXX, the FTC charges that the XXXX-based company used unfair and deceptive collection tactics, such as repeatedly calling consumers and accusing them of owing debts that they did not owe, contacting consumers at work while knowing that their employers did not allow the calls, making unauthorized withdrawals from consumers ' bank accounts, and disclosing confidential information about debtors to third parties. The company collects on about a XXXX consumer accounts a year and is charged with violating the FTC Act and the Fair Debt Collection Practices Act ( FDCPA ). Under the proposed order settling the FTC 's charges XXXX is permanently prohibited from engaging in false, deceptive, unfair, and harassing debt collection practices. The order requires the company to address specific problematic conduct alleged in the XXXX complaint -- whenever a consumer disputes the validity or the amount of a debt, XXXX must either close the account and end its collection efforts, or suspend collection, until it has conducted a reasonable investigation and verified that the information about the debt is accurate and complete. The order also restricts situations in which the company can leave voicemails that disclose the alleged debtor 's name and the fact that he or she may owe a debt. The XXXX is grateful for the critical assistance provided by the Tennessee State Attorney General 's Office during the course of its investigation of this matter.
XX/XX/XXXX, my ex boyfriend, took a school loan for truck career driving and he needed a co-signer. I refused and he asked me to speak with the career trainer at the school. I spoke with him and again told him no. The following week, my ex, told me that he was approved for the loan and going to school. I asked him how did he manage to do this without a co-signer and he said that the school didnt need me to sign anything that they would use my name as a reference only. I did not know that my ex, the father of my XXXX children, had literally lied and forged my name. He knew my name, dob, address, place of employment and social security number. 
Well, the first year of this loan ( he used my address for his mailing correspondence ), he stated he only had to make XXXX payments per month. He would ask me to make the payment by mail for him and he paid me back. Well, the second year came around and now he was receiving mail constantly from Sallie Mae and then I started to receive phone calls at my residence and they were asking for me, I couldnt believe it. I picked up the phone to find out that I was the co-signer. I tried to explain and they wouldnt hear it. I found out he was seriously past due and that they were gon na take me to court for garnishment because of course they cant find him and no place of employment. Thats because he is XXXX and even the IRS is looking for him for fraudelant tax returns for XXXX XXXX. Georgia dept of revenue is looking for him as well. I have been making the payments of XXXX a month for last 5 years and still owe XXXX dollars. I have had my place of employment for 15 years and my home for 12 years and they come after me because he is gone. He has fled to XXXX XXXX and refuses to help me with this nightmare. It isnt on his credit report as bad debt it is on mine and will remain till XXXX. Are u serious??? Please help me with this. I have tried to talk to them about this being a fraud and they just blew me off. Because of him being late and not paying, the amount due today, which is 8 years later, is the amount of original loan. I will not be done till XXXX and I feel that Sallie Mae or XXXX, isnt gon na help me at all. I have asked them for loan documents and they state I can get online, but when I double click on the loan documents there isnt anything there. I have never seen the loan documents only the invoices. I was told I am screwed because of cosigning, but i didnt cosign this loan. Also, my ex has told me that the school is no longer open, went under. I dont know the name of the school.
I have a car loan, through Ally Financial, that was part of my bankruptcy. My bankruptcy was discharged on XXXX, but after XXXX unsuccessful disputes through XXXX the account is being reported open, and Collection/Charge Off. It also shows a balance of {$1600.00}. It is my understanding, since this account was part of my bankruptcy, it can not be reported as collections/charge off or open. I have had the title for the car since XX/XX/XXXX, which Ally Financial sent to me. Please assist me in rectifying the reporting of this item.
I continue to receive repeated calls from this number. They claim to be Capital One and they call XXXX to XXXX times a day, 7 days a week, and it is beginning to be disruptive and unacceptable.
When I tried to activate my XXXX XXXX XXXX XXXX MAster Card by calling the activation number ( XXXX ) listed in the acceptance letter, I was directed to a foreign ( XXXX ) organization. They asked for my credit card number to begin the activation procedure. Then rather than activate the card they attempted to sell me a lot of services. I said no to each one. After a few minutes, I recognized it was a scam and hung up. I ended up activating my card by calling the Customer Service number on the back. I informed them of the scam but they did n't seem interested. In the next few days, I received multiple confirmation letters that I had purchased a variety of services ( including credit card protection, travel club etc. ). I called XXXXXXXX XXXX  customer service to complain and was informed that it was aall my fault for giving out my credit card to a number that they had provided. They were of little help and suggested that I cancel the tel-marketing promotions or i would be charged. I then had them cancel my card and issue a new one. They were singularly unhelpful and attempted to obscure their marketing fraud. I expect such behavior from XXXX XXXX but not from a major international bank. This episode has already caused me a great deal of stress and effort and I expect to be compensated for this outrageous behavior
In the month of XX/XX/2018 I noticed a collection account on my XXXX credit record by the name of Americollect Inc XXXX XXXX  XXXX XXXX WI XXXX-XXXX  for an amount of {$100.00}. I disputed the collection with XXXX as I do not recall this being a valid debt. I was notified by XXXX in XX/XX/2018 that the debt had been verified by the collector and would remain on my report. 
On XX/XX/2018 I send a certified letter to Americollect Inc XXXX XXXX XXXX XXXX WI XXXX-XXXX  asking them to send me a legal verification of debt. As this is my right under the Fair Credit Reporting Act. Yesterday I received a letter from Americollect stating that my request has been " deemed frivolous or irrelevant '' and furthermore " there will be no additional investigation on this matter ''
XXXX , XXXX XXXX XXXX , XXXX . Of XXXX XXXX, Oklahoma sent a process server to my home without any previous contact stating they have sued me for a debt collection from the past. I was sure I had paid this debt in the past but apparently not. This took place on XX/XX/2018. Since then I had made payment arrangements with them to pay {$50.00} a month towards a debt totaling {$1100.00}. I have made 7 payments to them so far. I checked my credit and it showed I had been making payments and it was down to {$810.00}. The last payment I made was on XX/XX/2018. A week later I received another notice in the mail stating I had not been making any payments and my balance was {$1100.00} and I needed to make payments or I would be garnished or sued again. I emailed them and told them I had made 7 payments and that my debt was down to {$810.00}. They also hit my credit report for being in collections and not paying which hurt my credit score badly. I have documented proof of my payments and dates and the original debt amount etc. they havent responded to my email in a month.
XXXX XXXX from Applied Resolution called my office line stating I need to call him and discuss about my XXXX account. I actually got a call from some other person about two weeks ago. When I ask for more information, they ask for my social and birth date for verification. I do not have any loans with XXXX, so I pulled my credit report to see if someone stole my identity. I did not see any XXXX loan on my credit also. When I told them that I do n't have any account with XXXX they started harassing me that they already verify my social and birth date with my employer. They also started to raise their voice and became very confrontational. I told them to stop calling my work but they keep calling back.
This is an erroneous and fraudulent debt. This apartment complex made false charges of damage and never notified me. I am on XXXX housing in order for me t move into or out of an apartment an inspection is done if there were damages I would have had to repair them prior to leaving in order to be issued another housing voucher. Years later this shows on my credit report while I am trying to rent another apartment. I asked for proof of debt and was given an invoice that is not proof pictures would be proof not something that someone wrote down. Due to me being on housing I only have a small amount of time to secure another residence or I will lose my housing voucher. So after going back and forth the new apartment complex said well if you pay half of the debt we will rent to you. So I paid XXXX on a debt I do n't even owe and the company National Credit Services refuses to give me a receipt so that I can show my new apartment complex and secure the residence. As a result I know had until XXXX today XXXX/XXXX/2016 to turn in my new housing or I will be removed from the housing program. I begged, pleaded and cried explaining that I am elderly and XXXX and about to become homeless if they could please provide me a receipt for my payment they adamantly refuse and I am now going to be homeless all because they refuse to provide receipt of payment.