WillisBack/dataset-financial-user-claim huggingface dataset:
My home mortgage was originated by XXXX Bank with a second mortgage down payment assistance bond through the XXXX. The first payment on my loan was due on XXXX/XXXX/16. I have made my payments from XXXX/XXXX/16 through XXXX/XXXX/16 to XXXX as that is the company I believed owned my loan. I am now receiving statements and late notices from a company named XXXX who state they now service and own my loan on behalf of the XXXX. 
I have spoken with both XXXX and XXXX in regards to my problem and they both state that they still own the loan and the servicing rights. Both companies are also reporting my home loan on my credit report. XXXX is reporting me as current and XXXX is reporting me as delinquent. 
I would like to file a complaint to help resolve the true issue of who owns my loan at this time and who I should be making my payments too. I would also like for my credit reporting to be corrected to assure that my mortgage only shows XXXX time and that it reflects that I am current on all of my payments.
This debt was paid in FULL over seven years ago. I have been disputing this item for the past two years and they keep changing the reporting date to a current date so this item can remain on my credit file. Please assist me in removing this item in compliance to the Fair Credit Reporting Act.
Initiated a mortgage application on XXXX XXXX, 2016 With Bank of America. 
Learned there was a problem on XXXX XXXX. 
Was verbally denied on XXXX XXXX. 
Selling realtor complained and asked that my case be escalated on XXXX XXXX. I agreed. Told I would not be charged for the appraisal. 
XXXX XXXX was told by a manager that my case would be reviewed and I would have an answer by COB XXXX XXXX or morning of XXXX XXXX. No answer either day. On XX/XX/XXXX, I asked if my mortgage had been accepted or denied. Again, verbally denied, but nothing in writing. This has precluded me from pursuing a superior lender. Horrible experience that wasted my time. I should have been denied up front, not weeks into the process.
I checked my credit report this year to see there was an open claim from a debt collector XXXX XXXX on XX/XX/2015 for {$600.00}. I do not recall being at XXXX XXXX for treatment, nor did I receive notice of this outstanding debt.

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
I used Xoom.com to request a money transfer on XXXX XXXX, 2016. I received notification that the transaction was complete on XXXX XXXX, 2016. I use this service almost every month to transfer from my XXXX account to my XXXX account with no problem. This time I was travelling to the XXXX to be with family for XXXX and so, transferred a larger amount than usual {$1000.00}. XXXX I got to the XXXX, I was notified that my standing order to a XXXX company had been returned unpaid. This prompted me to check what had happened and I found that my {$1000.00} had not been transferred to may account. I have been in contact daily with Xoom, com since then and each time, they just say that they are waiting for an update from their partner ( I assume XXXX ). It is now 13 days since I requested the transfer and 9 days since they confirmed that the transfer was complete and I still have not seen the money. It left my XXXX account on the XXXX of XXXX. So Xoom.com has my money and is making interest off it, whilst I 'm unable to pay my standing orders!!
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing  reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Portfolio Recovery Associates of XXXX, VA are trying to collect a debt not owed with 1 of 3 accounts they have listed as my owing. The other two accounts are in dispute as of current. The account that is incorrect is Account Number : XXXX Account Balance : {$1400.00} Seller : XXXX XXXX XXXX Merchant : XXXX XXXX XXXX Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES , LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Open Date : XX/XX/XXXX ; This account should have been charged off and is not owed by me anymore since it is almost two decades old.The other two accounts are still in question and are referenced by the following : 1 ) Account Number : XXXX Account Balance : {$650.00} Seller : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX. 
Account Open Date : XX/XX/XXXX, and ; 2 ) Account Number : XXXX Account Balance : {$920.00} Seller : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX 
Account Open Date : XX/XX/XXXX XX/XX/XXXX
sent all identity theft documentation requested by XXXX, proving my residence for last 6 years also social security documentation proving I am XXXX I do not need or never bought cable at address I never lived at or know about.
On XXXX XXXX 2015 made a mobile deposit for {$3000.00} into my chase checking account. This deposit will also cover the outstanding overdraft on my account. On XXXX XXXX, i was told my deposit check will be on hold til XXXX XXXX but the overdraft fee will be settle. Chase also inform me to stop by a branch to validate my ID. i stop by the branch to clarify any issue and was promise funds will be available on XXXX XXXX. 
On XXXX XXXX 2015 try using my debit card and was decline call chase and was told my account is on pending closure and i can not have access on my funds. For the following weeks to present i was on phone with multiple chase representative asking to release my funds. i kindly ask chase what is the reason to freeze my account with out notice and my account has no outstanding balance. Why didnt chase inform me about this situation, now all the bills which is drafted on my checking were chargeback .. on the following week i stop by a Chase Branch begging to release my funds, this is the only source of money i have, and needed to buy prescription at XXXX. Branch manager at XXXX told me that we are sorry but we can not do anything even myself was not told reason why account is frozen. Since XXXX XXXX my account been frozen, my bill payment has been charge back, i have no money and chase has not told me any reason why or send any statement
I am sick and tired of your bureaucratic methods of deleting an item that is in VIOLATION of the FCRA. Your investigation is taking longer than 60 days. YOU MUST DELETE XXXX/XXXX XXXX XXXX from my credit FORTHWITH. THE VIOLATION IS CLEAR. I am preparing a defamation lawsuit against EQUIFAX. Your auto reply XXXX  is a disaster and a disgrace to the American people. You violate the law and get away with it. This is my last communication before my lawsuit. DELETE THE ITEM. You are preventing me from getting a job to support my family. The media is going to hear about this in the mainstream.
This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with XXXX  and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.
To start, I have repeatedly asked Wells Fargo reps to opt me out of overdraft protection ( as I had been repeatedly enrolled into it automatically ). This finally happened last year when I was told that occasionally charges would still go through ( due to " systemic '' issues ), and if that were to happen, I should come into the branch to get any overdraft charges reversed. This happened once on XXXX, three times on XXXX, and twice on XXXX. I went into the bank to get these overdraft charges reversed and was told something new, that overdraft protection only applies to charges that are made from my debit/credit card and not to charges routed through the bank account like checks. Since the charges were made from my XXXX card, which routes through my bank account, my account was overdrawn. Additionally, after Wells Fargo initially approved the charges ( against what I had been told would happen ), they then cancelled the payment the following day. When I asked why the bank first approved the payment and then cancelled it, I was told by a rep that Wells Fargo " tries to be helpful '' by " giving me until the end of the day to cover the cost of the charge. '' When I said that first approving the charge and then cancelling it was not helpful ( I would have no reason to put money into the account if it is not supposed to be overdrawn, and in this case I was not notified that an overdraft charge was approved until the next day ) I was told, " That is how banks work. '' When I pressed on this issue, and asked why does n't this bank just not approve charges if there is no money in the account, I was told " That is just not Wells Fargo 's policy. '' It got even worse from here - after Wells Fargo initially approved and then cancelled the payment, XXXX ran the same XXXX transactions, which were again approved, again incurred fees, and again cancelled at the end of the day. This racked up a total of {$350.00} in overdraft fees, only half of which the bank reversed.
XXXX has me in collections for an open balance of {$980.00}. which i never opened i actually have my phone line still open so i dont know why they have me in collections. 
same thing with capital one balance in collections of {$530.00}
To the best of my knowledge I did not authorize the following hard inquiries : - XXXX  XXXX Inquiry from XX/XX/2018 No institution information - XXXX XXXX Inquiry from XX/XX/2018 Institution Information XXXX   XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX - Cbcinnovis Inquiry from XX/XX/2018 Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX - Cbcinnovis Inquiry from XX/XX/2018 Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX
I found this article about Regions charging improperly on over drafts by shear chance, and luck. For years now Regions, since they " gobbled up '' smaller banks like my own " XXXX '', and I became a Regions customer, it has been quite obvious a " new '' set of rules for how the customers are treated was put into place. It is no wonder they have grown so large with the continual praying on middle class, and lower income folks like myself with outrageous, and unjustifiable fees. The worst thing I know of all is regularly manipulating the on line banking entries of debits, and credits. Debits will be held, purposely not showing them, not even showing them in the pending status for days, as they watch your balance dropping down, the bank knowing, and hoping you overdraft just before a payday. Then, at the over draft point, they will re-arrange the order of the entries to appear that you not only over drafted a few dollars on the '' real '' last charge '' debit ' you made. The new entry arrangement on this newest date of over draft now will show ( in the banks favor of course ) that you over drafted with one of the larger debit entries several days earlier. And now the day before your pay day auto deposit, they hit you with many tiny debit entries ( a few dollars each ) each with o.d. fee each of {$36.00} totaling {$100.00}, {$200.00}, or more. Now the facts after many years watching this closely are this : You have to watch the bank record on- line closely every single day to catch this. They make mistakes - dailey in the nightly work they do balncing your account. The adding subtracting errors they make can throw you own calculations you are trying to keep up with off, and in error. They continually fix errors they show on previous days balancing on next day or so - further throwing you off in error. Fact is, they have been scamming millions of dollars off people like me, and other people that do n't watch it as close as I do. I hope you bust them for all the rong doing. - to me, and manner others.
I am a victim of identity theft. My wallet was stolen with all my personal documents. I reported the incident to the police and received a police report. on XXXX 2016 I noticed that there is information on my report that do n't belong to me. I filed a police report for that too. I sent all the documents to the credit bureaus XXXX, Equifax, and XXXX XXXX. the credit bureaus removed almost all the fraud accounts. Equifax is still reporting XXXX fraud accounts even due XXXX and XXXX XXXX deleted them and I did proof that it 's not mine by providing them with my XXXX police reports. Equifax is ignoring after I sent them everything they need as I was told by the FTC. I really need your help to resolve this matter.
I wrote letters to XXXX XXXX and XXXX asking them to investigate and REMOVE the inquires form my credit reports from ALL XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.
I applied for a loan modification with CitiMortgage and I was denied two times. Finally as a last resort to save my home, In addition to requesting another modification, I filed a Chapter XXXX Bankruptcy to repay the arrearages. This is when they actually considered helping me. The entire process was long and deceitful after that. I originally owed XXXX to Citi but somehow after the modification and a Partial Claim payment of {$28000.00} through XXXX, CitiMortgage is telling me I owe {$170000.00} to them in addition to now owing XXXX back the {$28000.00} which was supposed to be applied to the arrearages on my account.. Long story short ... They have not and will not show me a detailed account of where the {$28000.00} was applied to my account. My questions are " If CitiMortgage was given {$28000.00} from HUD to help decrease my mortgage and pay arrearages, How and why was my mortgage modified and recalculated using an amount that did not reflect the arrearages being paid with the {$28000.00}. How was this calculated? Who can show me a detailed transaction history or re-look at the modification to make sure it was prepared and calculated correctly? Why do I now owe {$200000.00} ( XXXX to CitiMortgage + XXXX lien to XXXX ) on my house which I originally purchased for {$160000.00}? How is this possible when the program is called XXXX - HOME AFFORDABLE MODIFICATION PROGRAM? There is nothing affordable about this!!! I am in more debt than I started with. 
Please help me if you can.
My client submitted a request for short sale to Penny Mac in XXXX and we were told the file had been submitted to the investor for a decision in early XXXX. We had a ratified contract on the property in XXXX and were told to hold it until we received the Approval to Participate ( ATP ) which is the FHA letter allowing the seller to participate in the pre-foreclosure sale. Approximately 10 days later we were informed that the property has a foreclosure sale date of XX/XX/2017. When I confronted the contact at Penny Mac he said he is just informing us of the sale date and that the review was still pending. After several days I emailed him to get the status of the ATP and was told they will not issue the ATP since there is a sale date scheduled. I explained we had an offer on the property and asked him why he told us not to submit the contract. His response was the investor initiated the foreclosure faster that they thought it would be. I immediately sent in the offer and closing disclosure and requested he send it in for review. I asked for an update and he is no longer returning calls or emails. I have called his manager 3 times and not received any return calls. My client was depending on Penny Mac to handle his request in a timely manner and give him consideration on his offer and they have completely dropped the ball. This company has drug the process on and allowed the home to go into foreclosure when they had the ability to move the file in a timely manner and keep the foreclosure process from being initiated
Messages by an automated machine have been left 3 times today already. This is despite a previous call where I specified that I would call back in a few days to resolve the issue. 

Messages were left at XXXX, XXXX XXXX. It should be noted that more calls are possible.
URGENT - Mistake made on CFPB Complaint # XXXX, regarding NAME - - Please DISREGARD this part of the complaint for both TransUnion and XXXX. 

The rest of the complaint regarding " ACCOUNT CLOSED BY CUSTOMER '' remains a concern and may go forward.
They sent me an email stating that my credit score has dropped to XXXX so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.
I have an account negatively reporting on my credit report as EOS CCA dated XXXX which was from an original creditor XXXX XXXX XXXX from XXXX XXXX. I would like this to be taken care of. I 've disputed this and they did nothing
XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXXXXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$480.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's  XX/XX/XXXX response was insufficient to determine if PRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account. 

XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB
I had a judgment from XXXX that was settle for the amount of {$1200.00} and was paid by XXXX XXXX XXXX on X/X/2003. My employer was recently served a writ of garnishment from XXXX XXXX XXXX, on behalf of XXXX XXXX, who is supposedly collecting the debt for XXXX. The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.
XXXX XXXX XXXX account has sent to collections an amount of approx {$140.00} from approximately XXXX XXXX ... because in XXXX of XXXX I upgraded my 15+year account with att ( phone & internet ) & the company - for reasons unknown to me, created a new account number. I continued to pay $ $ on the old account # for several months, not realizing a new # had been created. After several months, i realized what was happening & contacted XXXX XXXX XXXX to resolve the issue & transfer all $ sums that had been applied to the prvious acct number to their newly created acct # ... subsequently, I had several telephone conversations with customer service as well as XXXX XXXX XXXX accounts Receivable departments because THEY did n't get it corrected ... finally I was assured by XXXX XXXX XXXX reps that the accounts were reconciled and all payments to the previous account were transferred and applied to the new account #. This activity transpired between XXXX XXXX & XXXX XXXX ( or XXXX XXXX ) ... 
From that point on, I continued making payments on time to the correct XXXX XXXX XXXX account and am currently up to date ... .however ... apparently the employees at XXXX XXXX XXXX do not correspond and or communicate account activity & that they had rectified the " past due '' pmt issue on the old acct. so in the XX/XX/XXXX I began receiving telephone calls from various numbers ( the collections agency people ) about this so-called past due account ... during the first several calls, I attempted to tell them that this account was in fact paid up and current, and that I had had MANY conversations with XXXX people to ensure this ... but the calls continued ... because they do n't listen to me. I am paid up on that account. The Collection was created, because of inept employees within XXXX XXXX XXXX not communicating and/or appropriatly documenting the events in the case. I therefore deny the validity of the Collections claim. 
XXXX XXXX
Consumer Financial Protection Bureau ( CFPB ) Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, on my credit report, which R.S. Clark Associates claim I owe them {$120.00}. I sent certified letters On XX/XX/2018 and XX/XX/2018 requesting that R.S. Clark Associates send " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They sent a printout of a bill where some of the information had been cut off and my signature nowhere on the printout. 
I sent them this information regarding the FTC opinion letter from Attorney XXXX XXXX XXXX, stating that a printout of a bill or itemized document does not constitute verification. They could not send any contract with my signature on it. 
I have attached the last letter that I sent to them and the printout statement that they sent to me. Please have them delete the information from my XXXX and XXXX  credit reports. Thank you. 
XXXX XXXX XXXX
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Blakely-Witt & Assoc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with Blakely-Witt & Assoc. This was a Apartment Lease and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a XXXX XXXX XXXX has 30 days to validate the debt. In my case my debt was never validated by Blakely-Witt & Assoc. In this case the debt should be removed from my credit report and out of the office of Blakely-Witt & Assoc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.