WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX / 2011  the second mortgage on my home was cancelled but the loan company never filed a Deed of Reconveyance. I am trying to sell my home now, but the cancelled loan is still showing up on the title report.     I have contacted the loan company by phone multiple times, sent in a request via  XXXX   XXXX   XXXX , faxed in request letters, and even faxed a letter from an attorney - but the loan company refuses to give me something in writing that the loan was forgiven and does not exist any more.     I can not sell my home until I have something in writing from this loan company. The buyer I had has terminated the sale due to there not being clear title to this home and now I have an empty house that I can not sell.
Today on XX/XX/2018 Ive received a text saying my loan forgiveness is expired I was confused so I called the number in the text thinking its my loan lender. I was greeted and informed from a third party loan service debt reliving company that was supposely associated or named XXXX XXXX XXXX. They convinced me to sign ( e-sign ) documents stating they can relieve my debt for loans and forgive them after months of upcoming payments to them. I was spectical about the the information that was given after signing there documents and called fasfa and my loan lender Mohela. My loan lender then told me and a representative from fasfa that the company is stating false information and Im being taking advantage of, I was then suggested to change and update all my passwords for banking and fasfa due to me giving th

em my personal information already. Im contacting you'll because I am being scammed by this company that have all my personal information such as banking, and social security and Im very frightened about identity theft happening to me and loss of unauthorized money in my name . May you please help. Thank You,
I received 9 phone calls between XXXX and XXXX on Saturday XX/XX/2018. Not one voicemail was left. This happens everyday continuously.
they are calling asking for someone who does not live here..have asked them to stop calling but they continue to call
I wired {$10000.00} to Coinbase on XXXX/XXXX/XXXX. I have been told to have patience that the money will be in my account. Then on XXXX XXXX XXXX they emailed me to tell me they found my money but that I needed to verify my identity. I verified my identity no less then 10 times and every time I call to get resolution I am either hung up on or told to have patience that they will get to it soon.
PayPal Credit contacted an individual, XXXX XXXX, whom I know to resolve a debt. PayPal Credit contacted XXXX XXXX on XXXX XXXX and indentified themselves as PayPal Credit and claimed that the call was regarding a collection of debt. PayPal Credit also stated that the debt was mine, XXXX XXXX As a results of this third party collection call to XXXX XXXX, it had ruined my relationship with XXXX XXXX! This has ruined my public reputation!
Looking at my credit report I noticed a XXXX account in collection. I called the company to investigate the account that was reported XX/XX/XXXX. The informed me it was an account that was from XX/XX/XXXX for a address that I had never lived at. I am requesting the account be closed and removed from my credit report.
I mailed dispute letters to Experian for several items on my credit on the following dates. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and yet they, Experian continues to mail me the same response, verified, Reinvestigation information, This item remained unchanged from our processing of your dispute in XXXX XXXX??? Are you kidding me? This is a huge violation or many violations according to FCRA laws written to protect me! 

If you want copy 's of each letter, I can upload those also.
XXXX   XXXX    2017  faxed letter to Equifax requesting removal of bankruptcy and tax lien on credit file as  I  was not aware of the source of their information on the bankruptcy and judgement. I received a response dated   XXXX   XXXX ,2017  that  XXXX   XXXX  reported the information as discharged and that  Case  number  /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the Equifax  credit  file in which I do not have knowledge of what that case is.   On   XXXX   XXXX  2017    I sent a reinvestigation request with a letter from Michiga n Federal Court stating they do not supply information or validate information with the  credit bureau 's. Equifax replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.
XX/XX/2017 Transaction withdrawal was made from a non-chase ATM machine for {$200.00}. This transaction was not made by me nor was my debit card stolen. I still had possession of my debit card at the time and told my Chase Bank this. The card was never used by me or anyone I know as I had possession of it. However, they did not believe me and said because the transaction was made with a chip/pin that it must be me. I do not make non-Chase ATM withdrawal so I know for a fact that this was not me. I knew exactly where I was on the day the transaction was made and I was not anywhere near the claimed ATM nor did I withdraw any money. They must have skimmed my pin somehow. I just know for a fact I did not do this but Chase refuses to help and has denied my claim.
PNC still fails to resolve and release funds among other practices. See prior case CFPB XXXX that was closed, but it is not resolving any concern as PNC knows and understands that both executors are not able to sign the document together. So, we have requested the same document sent to each of us with a signature line and notary for each executor. I have asked XXXX XXXX numerous times in the month of XXXX 2017 to send one to XXXX XXXX the co-executor with only her signature & notary requirement, and I requested one for myself with only my signature line/notary. I have explained this problematic situation with the document to XXXX XXXX on multiple phone conversations and at least one email correspondence. XXXX XXXX understands that the authorization and indemnification document they are providing and requiring as written is impossible to have completed. XXXX ( co-executor ) has taken the document to several institutions multiple times, and no one will notarize the document for her with both names and notary requirements on the document. PNC should have consumers all over the country in this situation that can not both be present to sign documents, and PNC should be more than familiar with situations such as these. PNC should be able to comply with our need for individual forms. XXXX XXXX advised that she understands what we need, why we have requested individual forms, and she states that PNC 's position is that they will only provide us with the document as it is. She states PNC is not willing to send two documents ( one for each individual to sign and notarize ) even after several explanations. PNC understands we need separate forms, and they are refusing to comply and release the funds as requested. Plus, PNC has been provided the authorization forms that our estate attorney had prepared and have been executed for each of us in addition to official court documentation. PNC is intentionally giving us a hard time releasing funds due to their non compliance, numerous employee errors/ mistakes that were made. 
I encourage any current or potential PNC customer to be aware of bad practices and lack of financial protection to their elderly consumers. 
PNC allowed a removal of payable on XXXX beneficiary in an account conversion to a guardianship account when a new account should have been required. Also, the person making changes was only allowed temporary guardianship. They allowed all these changes to be made when grandma provided the bank with advance warning and had the account frozen as it was clearly not the account utilized for household expenses.
I rec 'd a letter from XXXX XXXX XXXX  dated XX/XX/2018. In return I submitted a letter via fax on XX/XX/2018 and XX/XX/2018 ( attached is my confirmation ) the letter was also sent via snail mail on XX/XX/2018. The letter stated that I needed validation that they were authorized to collect such debt and the name of the company claiming I owe this debt. There was never a response to this letter. The letter also states that if the office report invalidated information to any of the 3 major credit bureaus that this action will constitute fraud under both Federal and State Laws and if any negative mark is found on any of my credit reports by their company that I won't hesitate to bring in legal action. They had 30 days to respond and here it is almost 60 days later, I am notified of a credit alert on my credit report with XXXX that XXXX XXXX XXXX added a collection to my report. This is FRAUD. This alleged collection needs to be REMOVED immediately from my credit report before further action is taken. I have also submitted this request to The XXXX and my states attorney generals office. Please send me an updated credit report, thanks.
I called last week to discuss account XXXX. I asked for XXXX XXXX but he was not, as I was dealing with him over account. I was currently, speaking with a XXXX XXXX and I asked for clarification on information on account above for payment, as your system was down. He proceeded with stating that I was in a law suit with them that has been filed. I was confused and I asked for clarification I was not aware and for what over above account. He continued to state that this is for a account I believe he mentioned XXXX and that I had to pay over {$8000.00}. I told him I was not ware and for what this money is for. He continued to state that yes I did, and I had asked for dispute. I stressed to him that no, I did not and I only called about XXXX and nothing else. I told him I did not have any information or was mailed anything. He started to be pushy to force me to pay for something I was not aware of. I told him what the large amount of money was for ( details ) and he did not want to answer and stated " MCM only files lawsuits we do n't have any other information ''. I repeated what he had just told me and he hesitated with any other information. He only stated I am in a lawsuit and I would get into in the mail in 2 days. Two days have passed and I have not received anything about his threat. I did not appreciate the bullying and threating behavior by this employee.
We where offered {$45.00} statment credit if we set up three bill payments. Only received 1 {$15.00} credit for XXXX. Called customer service XXXX and was told to wait a business cycle. During that time filed a verbal complaint. On XXXX called and filed 2x complaint about missing reoccurring bill payments. Completed multiple XXXX cell reoccuing payments and set up XXXX car insurance in reoccurring biannual payments. Customer service XXXX refused to give me complaint numbers.
I have a deferred transfer balance which is due XXXX 2016, with no interest due until expiration of the deferral period. Howver, Chase is charfing me interest on new purchases, even though I pay those charges by the due date. They say that carrying a deferred transfer balance causes interest to be due on new purchases until the deferred balance is paid off, even though it is not due until XXXX.
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from XXXX and Transunion XXXX They are all dated for the year of XXXX and XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX
FIRST OFF I DID NOT REQUEST OR RECEIVE THIS LOAN. I LEARNED ABOUT IT FROM THIS COMPANY CONTACTING ME TO COLLECT USING A SCARE SCAM IDENTIFYING THEMSELV ES AS THE SHERIFF  'S DEPARTMENT NEEDING TO MEET UP WITH ME TO SERVE ME COURT PAPERS BUT WANTING {$1700.00}. AFTER REQUESTING DOCUMENTATION THEY HUNG UP ON ME REPEATEDLY. THE FOLLOWING MONTH THIS DEBT WAS REPORTED TO MY CREDIT REPORT. I HAVE DISPUTED THIS 3 TIMES AND ALL  XXXX  IT IS FOUND TO BE CORRECT. IT IS NOT. I HAVE CONTACTED THE COMPANY DIRECTLY AND THEY WILL NOT TALK TO ME BECAUSE IT HAS BEEN TURNED INTO COLLECTION, AND THE COLLECTION COMPANY SAYS THEY WILL SEND ME DOCUMENTATION BUT I NEVER RECEIVE ANY DOCUMENTATION ONLY SETTLEMENT PAPERWORK FOR {$130.00}. THATS A HUGE DIFFERENCE FROM {$1700.00}. PLEASE HELP ME SETTLE THIS ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT REPORTS.
I made a purchase of {$1000.00} on my Bank of America credit card. My receipt clearly shows the amount as {$1000.00}. The merchant inavertantly entered the amount into the credit card machine as {$10000.00}, {$9000.00} more than it should have been. I filed a claim with Bank of America. I saw no results so I called in to follow up. I was told it was because I had not submitted the receipt. I faxed in the receipt. I then got a message and uploaded the receipt. I then got a letter I signed and submitted the receipt a 3rd time. I then received a letter saying the claim was denied because I had not submitted the receipt. I went back to the merchant and had them refund {$9000.00}. The credit has not appeared on my account. I called back in and was told that my receipt did not have my account number on it, so my claim was denied. I called in again and learned they called the merchant one time but were not able to get hold of them. They supposedly called me one time, but did n't leave a message. I finally got a supervisor on the phone and had her call the merchant. I will be receiving the refund, but I will be paying the interest on the transaction. Bank of America did n't even try to resolve this until I was on the phone with them and forced their hand. At this point they promise me I will receive the refund on Monday, but I lack any confidence in BOA.
On XXXX XXXX, a man walked into a TD Bank branch in XXXX and withdrew {$900.00} from my checking account. He presented ID that somehow duped the teller into giving him my money, even though there were enough inconsistencies to warrant a closer look at the identification provided. Thus far the bank has refused to promptly return my money until they conclude their investigation. Since the transaction was not " electronic '' I informed the bank supervisor that TD Bank had no right to hold my money for the usual ten business days to resolved the matter. In response I was told they had to hold on to my money just in case I was the criminal who stole the {$900.00}.
XXXX has been non-compliant with removing the unverified account CONSUMER PORTFOLIO XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONSUMER PORTFOLIO XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I am being sued in a foreclosure by the loan servicer Ocwen XXXX. My loan was closed with XXXX XXXX and they are no longer in business, then XXXX assumed the loan and placed in a trust and the trust no longer exist now Ocwen sent me a letter stating they have a lien on my property.
In 2013, I arranged with Comenity Bank/XXXX XXXX XXXX XXXX a payment for my account via telephone. This phone conversation was recorded, and I was even advised by the individual our conversation was recorded. I was told that by paying the full balance immediately to CB/XXXX XXXX XXXX, that the information would be deleted off my credit reports. I was explicitly clear in my question, that once I pay this item, it would be removed from my credit report. The employee responded that yes, the item will be deleted. I have tried numerous times since making this payment to obtain copies of this recording, and every single employee says they are confidential and can not be accessed. CB/XXXX has access to these tapes, yet the continue to say the debt was in fact charged off. I have a right to access proof of the agreement. CB/XXXX XXXX XXXX continues to report erroneously on this account, with some credit bureaus reporting Late - Charge Off and others Paid - Charge Off. This debt was never charged off, as I paid the company directly. It was a requirement in my background investigation for my employer to clear negative items from my report. While I showed my employer proof of payment via my bank statement, I never received a receipt from CB/XXXX XXXX XXXX for the payment. I respectfully request that the CFPB intervene, as it is clear CB/XXXX XXXX XXXX does not care about company procedures, customer privacy, and compliance with the Fair Credit Reporting Act. Furthermore, CB/XXXX XXXX XXXX has numerous addresses that have made it nearly impossible to keep track of investigation statuses, I 've only received notifications via third party monitoring.
Hello! 
This was a cell phone debt for someone that was shared. I brought this up with XXXX back when I lost contact with the individual. Its been awhile, dating back to XXXX XXXX. I thought the matter was solved. I was offered to an amount to pay for my charges and that amount was paid at XXXX of their stores in the XXXX, New York. That amount was over {$300.00}. My credit report is reflecting an amount of {$1400.00}!! The company that purchased the account from XXXX is XXXX XXXX.
In 2014, I had a car loan through Hyundai Motor Finance. I had an accident in the vehicle which was a total loss. My insurance took car of the balanced owed, but upon reviewing my credit report HMF is claiming I still owe them.
Dear Representative, I was advised that I could open a checking account ov er the Internet w/ Wells Fargo Bank and for the la st  XXXX  seem to go no were with this simple task. Over this experience there was  XXXX  applications submitted with-out any success . Still four weeks have gone by with no account being opened.
Back in XX/XX/XXXX, when we were on an XXXX, we were offered a home by XXXX XXXX on XX/XX/XXXX, and we bought the house paying a {$6000.00} deposit ( House was valued at {$160000.00} ). The loan was then taken over by Countrywide Loans ( CL ) and finally Bank of America ( BOA ), bought out Countrywide Loans, which went under. 
XX/XX/XXXX, I suffered a XXXX, caused due to a rear ending of my car by an errant driver, who had no Insurance. The illness caused the company ( XXXX XXXX , XXXX ) that I worked for, for almost 12 years, to lay me off on XX/XX/XXXX. Although unemployed with no means of income from the government ( due to my XXXX status then ), either in the form of XXXX or Unemployment, I continued payments on the house and in XX/XX/XXXX, I requested Bank of America to help me with a Loan Modification. The trial period of three months was also fulfilled but without a job I could n't afford it further and requested Bank of America to reconsider lowering the rate further for me to afford it. In the meantime a company called XXXX from XXXX, California, offered to help and ripped me of for {$1800.00}. 
Since then I have sent in XXXX XXXX prepaid envelopes of documents that the bank requested. Finally when I got a job on XX/XX/XXXX with XXXX , XXXX, I reached out to Bank of America, who once again dragged their feet on the issue making false accusation of incompleteness of documents, These documents were completed and sent to them with the help of their branch in XXXX. To make good my Loan with them, I saved and put down {$11000.00}, against the loan 's principal in XX/XX/XXXX 
Both of the previously mentioned companies took advantage of my status and did not pay me the prescribed wages for which they had filed for my employment. I have reported the matter of XXXX, in XX/XX/XXXX to the Department of Labor ( DOL ) and am still to get my back dues. Now that we are Permanent Residents, I have directly referred the XXXX XXXX having short paid me directly to the Texas Labor Commission. 
Bank of America kept dilly dallying the issue by claiming to be working on my loan modification and then coming up with fictitious claims that my application was incomplete. Now that the price of my home has improved, they are wanting to possess it by foreclosing on my property. 
All of the above has had a big toll on my health I beg you to please help me get this issue resolved. 
XXXX Email : XXXX XXXX
I have asked Navient several times for an income driven repayment plan as I do not have a high income. I was told that they do n't have options for income driven and that my only option was to place my loan in forbearance. I felt pressured into forbearance and was told it was my only option for payment if I could n't afford my high payments. I was never told that I could pay portions during forbearance or that I could put certain loans into forbearance and not others. Forbearance has only made my debt worse and I had to take out a loan from a family member to cover the debt caused by forbearance.
I paid the escrow shortage according to escrow analysis received from mortgage servicing company and payment was not applied correctly. Mortgage payment did not adjust to reflect the correct amount once escrow shortage was paid. Mortgage servicing company re-analysed my escrow account, causing my payment to increase above the amount listed in my ORIGINAL ESCROW ANALYSIS STATEMENT.