WillisBack/dataset-financial-user-claim huggingface dataset:
About 6 years ago ... due to the fact that I am at poverty level ... I shopped around, carefully, for a reverse mortgage company so that I could continue to live in my home. I found XXXX XXXX out of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 

I went through the process of getting a reverse mortgate on my home with XXXX. Everything was fine up until about a year ago when I was informed by mail that my account was being " handed over '' to another company ... XXXX XXXX, which also happens to be a debt collector, with an " F '' rating with the XXXX XXXX XXXX. 

Now, every time I have to conduct business over the phone with them, I have to hear the intimidating phrase " We have to inform you that we are a debt collector ''. Why do I have to hear that every time I conduct business regarding my reverse mortgage? 

My complaint : At no time during the reverse mortgage process was I informed by XXXX that they either could or would turn my account over to another company that was not only also a debt collector, but that has an " F '' rating with the XXXX XXXX XXXX. It's infuriating to have to deal with that " we're a debt collector '' stuff ... and since I had no choice in the matter, I want to know what are my options. Can XXXX XXXX be forced to handle my account again? 

How is it legal for an originating mortgage company to just hand over your account to another entity against your wishes or without your approval ... and without having informed you of that possibility beforehand? Had I been informed that this would or could happen, I would never have taken out the reverse mortgage with XXXX. Not telling people that they might do this is, in my opinion, deceptive. 

Thanks,
I have been going back and forth we Equifax since XX/XX/XXXX XXXX we are now in XXXX which there is an awkward stuff on my credit report not to mention I did not make my profile my profile was made through the person who made which I left me and a very bad position I am now trying to correct
To Whom It May Concern, please note this is my XXXX complaint in 2 months against Midland Credit for the same issue. My first complaint was disregarded as was my request to cease collection activities and further communications regarding debts alleged to be owed by me. Midland did not conduct an investigation of my complaint, but quickly responded and closed my complaint just to check off the box. Then to retaliate for filing a complaint in the first place, they had their law firm send me a robo-signed affidavit threatening a lawsuit on XXXX of the XXXX accounts they claim to be mine. They took some extra time to respond to my XXXX complaint, and acknowledged me and closed XXXX of the XXXX accounts ( the one that they had threatened suit after the first complaint ). Clearly, they recognized the wrongdoing of their actions. They also " recalled '' from their law firms, the other XXXX accounts that they claim are judgments against me and refused to close them. They claimed it was " out of their control '' and a " matter of public record '' and that they ( Midland ) would now collect on those accounts directly. I would like it known that I was never served with legal papers or given the chance to defend my position in court by Midland or Asset Acceptance. These are junk default judgments that Asset/Midland used to illegally confuse, intimidate and coheres me into paying. This seems to be standard operating procedure for this company. They even went as far as to suggest I call the police to report fraud, however I do not trust this debt collector and I refuse to subject myself to further mental anguish at their dirty hand. They took my meager homestead tax refund this year and as a result I was unable to pay my property taxes, which puts me at risk of losing my home and independence. My son and I have done our research on this company and see many lawsuits and sanctions against Midland for this type of unconscionable debt collection practices. I am confident that this is not out of their control, and demand that they close and vacate the XXXX judgments alleged to be against me, and cease all further collection attempts against me. I will continue to file complaints and dispute Midlands responses until all debts alleged against me are closed and removed/deleted/vacated from any association with my name/ss #. I pray that this gets resolved immediately, however if this continues to go unresolved, I ( with my son 's help ), intend to initiate a lawsuit against Midland, and take any other actions necessary to resolve this, including involving the XXXX Federal Trade Commission and the news media. Again, I am XXXX years old and in poor health with no income beyond my small monthly social security check. I have no recollection of these debts and do not have any money to pay them. I 'm a frail old woman and no match for this conglomerate. I would like very much like to put an end to this once and for all and pray that Midland does the right thing so I do n't have to burden my family to assist with legal expenses for a lawyer. Thank you again for your time.
I am being wrongfully charged {$200.00} from this collection agency on behalf of XXXX. I have spoken to XXXX and they have no recollection of this account. It appears someone is opening accounts without my knowledge. This account is on my credit report and affecting my credit score, I am requesting it be removed as this is NOT my account. I have never opened an account with this company and do not owe them money. I am being charged {$200.00} through the collection agency ENHANCED RECOVERY COMPANYXXXX XXXX XXXX, XXXX ( XXXX ) XXXX have tried contacting this agency to no avail.. I did not receive any notices until I checked my credit and saw this charge on it.
I am not sure how to go about requesting this type of change to my credit reports. Currently they all show that I have a credit history of 14 years when in fact it should be around 24. My credit score is listed as being adversely affected due to the shortened reporting and it leaves out payment in full of 2 mortgages, 2 car loans, and a student loan. Is there any way to have these items restored to my report?
The original creditor was XXXX and they were paid directly a long months ago. XXXX said they notified the collection agency about the payment once it was received and they should have never put this on my credit report in the first place.
I have a joint checking account with my step daughter at People 's United Bank. She lost her debit card and called me. I tried to get a replacement ordered at the local branch. She goes to school in a state with no branches. I was told that she would have to appear at a branch to sign an application. She found a branch while on a trip, and ordered her replacement card on XXXX XXXX, 2015. To date, XXXX XXXX, 2015, she has not received it despite my XXXX additional trips to the local branch. During XXXX trip to the branch, I was told that three weeks was not unusual for a wait to get a new card by mail. On the last visit, I was told that she would have to call the customer service line and that given the circumstances, they would allow her to reapply for the debit card by phone. The bank normally charges a {$25.00} fee for " expedited '' delivery of debit cards. I asked if they could tell me when the card was originally mailed, and they could not. No record is kept. They claim the card is mailed the day after it is ordered but I was originally told it would take two to three weeks unless the expedited fee was paid. On my last visit, I was told that the bank " should be able to '' waive the {$25.00} fee to replace the card. My step daughter is on the phone with them now, and waiting for an answer regarding the fee. She just reported that they would not waive the fee, and they refused to send it to her school address. They are sending it to me and I will have to overnight it to her. We are in the sixth week since she ordered the replacement card and it may be another week before I get it.
Hi, My Federal student loans were transferred from XXXX to Fedloan Servicing in XXXX 2016 due to my application for the Public Service Loan Forgiveness program. 
To start off, my income-based repayment plan was never transferred over to Fedloan Servicing. I was told to apply for the repayment plan again. 
This morning ( XXXX/XXXX/16 at XXXX ) I received an email saying : " Welcome to FedLoan Servicing Based on your interest in the Public Service Loan Forgiveness ( PSLF ) program, we are in the process of transferring all of your U.S. Department of Education owned student loans to us for servicing. Having all of your loans with FedLoan Servicing will make it easier for you to manage your loans and track your progression in the PSLF program. '' On XXXX XXXX, 2016, I received the first email saying : " Your student loan payment is over 30 days past due. 
Contact us today to discuss your options. 
Hello XXXX : Your student loan account is a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. '' On XXXX XXXX, I made a payment which was due on XXXX XXXX : Payment Amount : {$770.00} Payment Date : XXXX/XXXX/2016 Checking/Savings Account : **** Confirmation Number : XXXX I confirmed to make sure this was taken out of my account. 
I have another payment due XXXX XXXX of about {$300.00} ( I resubmitted my income-based repayment plan a couple months ago ). 
My mother as well as my in-laws both received a call today stating that my loan from Fedloan Servicing is past due. The caller left the actual Fedloan Servicing phone number ( XXXX ). I did call this number just now and kept pressing '0 ' to be transferred to someone in customer service as I did not want to provide my account number or social security number ( I was being cautious ). 
The statements that I am receiving in the mail I believe are the correct statements. 
I have heard the Fedloan Servicing is terrible with a bad reputation and when my loans were first transferred to them, I had an awful customer service experience on the phone. I just want to make sure that this is n't going to effect my credit. I do n't know what is and what is n't a scam at this point. I do n't know if this is just them being " terrible '' or if it is an actual scam.. 
Thank you for your help
10 Late payments on XXXX loans was never given the option at the time for an income based repayment program. Thought about was only eligiable for forbearance and not informed on all options available to me. Overcharged late fee and was told forbearance would cover late payments. This error has impacted my credit report even though I am current on payments for the last several year.
i checked in my credit report ( XXXX XXXX ) and once again .in my inquiry type : FINANCE, PERSONAL LOAN, DISCOVER INQUIRY DATE XX/XX/XXXX.. (  XXXX ) XXXX address :XXXX XXXX XXXX XXXX XXXX, DE ,XXXX XX/XX/XXXX. 
another Discover bank card was tried to be used in my name, or a personal loan, Discover Credit Operation team. 
XXXX aplication numb. # XXXX XXXX thes discover bank cards and personal loans is not by me ... ( FRAUD ) ... I understand some did receive a personnal loan threw discover..i put in 4 disputes to get this removed ... im on XXXX.. ssi ... like to give ( CFPB ) authority to request information in that file that was in my name.. ID.THEFT.
My mom owns timeshares XXXX at a place called XXXX. She had been paying a monthly maintenance fee and had been researching ways to get out of the contract or sell them. 
Then one day she receives a phone call from a company called XXXX XXXX XXXX and they offer her {$56000.00} to purchase the timeshare. All they asked she do was send {$5600.00} in fee 's to the closing company XXXX XXXX XXXX and they would send her the funds from the sale. They communicate through email and they fax her official looking paperwork and my mom wires the money to XXXX thinking they will send her the $ XXXX. This whole thing is a Scam. 
Now I am trying to get her the money back and have these criminals arrested. She took a cash advances on her credit cards and can not afford to lose this money. I am just so angry with the criminals for ripping off my Mom and want them brought to justice. 
The XXXX who sent the wire asked no questions and just sent the funds to XXXX. I work in banking and we are trained conduct conversations with clients prior to sending funds to spot red flags. Had this banker done his job he would have realized this was a scam. I am meeting with the branch manager tomorrow. I also contacted the wire room at the bank and their investigations department but I know the chances are slim of getting the funds back or having an arrest made. 
My mom is filing a police report and a report with the FBI. I also called XXXX Bank where the funds where sent and they said the XXXX Bank where the funds where received is in XXXX and is separate from the XXXX Bank. I have been unable to get in touch with XXXX Bank in XXXX but am still trying.
XXXX XXXX Fraud & ScamSince, XXXX 2013 I have XXXX XXXX Services. I just Recently, Signed another 2 Years Contract with XXXX. I order XXXX Phone with Color of my Family. XXXX Phone Came in with right Colors and XXXX Phone wrong Color I called XXXX and ask them to Change the Color and Tell told me to Return the Phone to any XXXX XXXX we 'll send you the Right Color? Since then I Never received any Phone and My Service from XXXX Disconnected and They send me the {$660.00} Bill me to Pay. I called them Many time and Whenever, I come to the Point to ask Money Phone Automatically Disconnect. Scam already set to Collect Money with in1-2 Mins and When Customer Service? Or any other Services will take 1-2 Hours waiting time. 
Scam Set for Asking Your Phone ... Zipcode .... PIN # etc etc. When Representatives Pick up the Phone Ask you Exact same Question You Feed on the Call on Automatic Call. It 's take another 5-10 Mins. Then They Start Conversation? CAN YOU PLEASE GIVE US 5-10 MINS TO REVIEW YOUR ACCOUNT? 
AFTER SCAMMING ALL THESE NONSENSE QUESTIONS? LET ME CONNECT YOU TO OUR SUPERVISOR? Them it will take from XXXX waiting time. 
When you ask from Supervisor all these question? Why My account due for {$660.00} Dollars? And Why My Services Disconnected? OH SIR OUR SYSTEM IS DOWN? WE WILL CALL YOU AS SOON AS WE GET OUR SYSTEM BACK. When You call them Back and ask Them Why I did Not Received the Call from your Supervisor? They Hang-up the Phone. 
They Take Your Number and Never Call you Back. I have tried XXXX times and Finally Gave up! 
I Need to File the Compliant Against XXXX XXXX and Get my Full Refund from XXXX and Disconnect the Services and Keep my Phone Numbers and Join other Mobile Services.
I sent my detailed dispute to this company on XX/XX/XXXX with clear instruction on whats derogatory and needed deletion from my credit report. But to my surprise, this company neither investigated nor did they delete anything from what was erroneous from my report. This letter is a direct notification that I need this frivolous account removed from my reports. 
Attached here with is the dispute letter I sent to this company earlier. For yet another time, these accounts are frivolous and I need to be removed from my report asap : XXXX XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$10000.00} XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$13000.00} XXXX   Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$9000.00} XXXX XXXX/XXXXI Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$11000.00}. 
XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance XXXX XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX  ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX XXXX Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened  XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date XXXX XX/XX/XXXX XXXX Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date XXXX XX/XX/XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX am looking at filing a lawsuit against this company if it doesnt address the issues at hand.
Back in 2016 my Bank of America account had fraud activities on the account in which the bank closed the account out. My debit card was stolen and an individual took it upon themselves to tamper with the account after the card was found. I did not file a police report but I did notify the bank of the activities that took place on the account and made sure it was closed out and nothing was held against me for the account. I was able to verify the last time I used the account and how much my last transaction on the account before this took place.
Telerecovery is reporting an unknown medical account ( s ) ( XXXX ) ( amount {$580.00} ) reporting on my credit report ( s ). I mailed Telerecovery a tracked letter via the United States Postal Services on XX/XX/2018, requesting validation of the debt/account ( s ) Telerecovery is reporting on my credit report ( s ). More than thirty days have passed since I mailed Telerecovery the letter requesting debt validation for the account ( s ) their company is reporting on my credit report ( s ) ; Telerecovery has not responded to my letter requesting debt validation. When Telerecovery did not respond, I contacted the original creditor ( s ) listed on my credit report ( s ) for whom Telerecovery claimed to be collecting the account ( s ) /debt on the behalf of. The original creditor ( s ) stated I did not have any outstanding debt/account ( s ) and that my medical insurance had paid the account ( s ). Moreover, Telerecovery placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Telerecovery never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ).
I contacted Equifax to inform them that I do not have a middle initial in may name. I was given his fax number XXXX to forward my complaint, which I did on XXXX XXXX, 2016. What followed was a real nightmare, and to this date, the change has not been made., even the credit reports they mailed me dated XXXX XXXX 2016 and XXXX XXXX under dispute confirmation number XXXX still had the same error. 
All in all, there were XXXX case numbers that the next employee will issue without listening to what I had to say, they are : XXXX XXXX XXXX XXXX To this date, no resolution to the case. I grew tired of calling the dispute department because the numbers kept changing, following is the list XXXX XXXX XXXX I have the distinct impression that their goal was to confuse me, not to address my concerns. They have the wrong name, but they insist in keeping it in the meantime I have received XXXX denial for credit based on Equifax 's data. 
Other institutions have granted me credit using XXXX and XXXX who rate my score over XXXX. Equifax has me around XXXX? 
In addition they have listed an office building XXXX XXXX XXXX XXXX, with a suite number as my previous address. This is data mining gone wild!
Selene Financial bought my home loan and are now the servicer for the loan. They have promised me a loan modification without any resolution. They have send a anonymous person posing as a real estate agent taking pictures of my property and providing me no proof of anything or paperwork. The so called agent or spy as I would want to call them took pictures inside my house and of not just the property but also of our personal pictures on the wall. They do n't tell you why they are there just to evaluate the property and Selene does not even give you a notice.
On or aboutXX/XX/XXXX XXXX XXXX  ( XXXX  ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX XXXX   County bbl : XXXX XXXX XXXX ). At no time was XXXX  the owner or assignee of the Note. XXXX assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX National Association ( XXXX XXXX  ).

On or aboutXX/XX/XXXX XXXX XXXX filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX.

Since XX/XX/XXXX XXXX has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with XXXX.

The lender, XXXX was closed by the Office the Comptroller of the Currency onXX/XX/XXXX.

On or about XX/XX/XXXX a TILA Notice of Rescission was sent toXX/XX/XXXX and also registered with the XXXX   XXXX. There were no timely action or any action taken by XX/XX/XXXX to set aside the Rescission. XX/XX/XXXX has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received.

I am seeking your help to have XX/XX/XXXX cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession.

A cease and desist letter was sent toXX/XX/XXXX to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to XX/XX/XXXX demanding that they cease making credit reporting to the bureaus.
I opened an account with XXXX that allowed me to lock and unlock my reports from XXXX and Equifax. I did this because there was an unauthorized inquiry and i wanted to protect myself from this happening again. Fast Forward we were set to close on our home XX/XX/XXXX the bank attempts to pull my report on XX/XX/XXXX and of course only gain access to XXXX. Being that we are due to move out of our apartment by XX/XX/XXXX and we have XXXX young kids I instantly unlocked both via the online account which is said to be instantly. I called both Equifax and XXXX and Confirmed that they have no lock no freeze or fraud alert keeping my lender from gaining access and they assured me it hadn't been locked since i unlocked it on XX/XX/XXXX. Well surely they lender attempts and only gaines access to XXXX yet i can access all from each account that i have and its dated for XX/XX/XXXX. I need help today we need to close on our home we have nowhere to go and kids are disenrolled from school as of today because the new place is located in another city well without the address by getting the final XXXX we are seriously stuck. I NEED help we have merely 6 hours before we were going to go to close in XXXX by XXXX! 
I dont know what else to do if both agencies keep saying its unlocked and the lender is saying they can't pull it!!
This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.