WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my rental home and my loan was sold to XXXX XXXX on XX/XX/XXXX. I received a mortgage statement in XX/XX/XXXX for 2 months of mortgage payment. That was paid in full in the month of XX/XX/XXXX. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
My account with BBVA had 4 overdraft fees due to 4 payments return from the same company ( XXXX XXXX ). That was okay, because it was poor planning on my part. Once I saw the mistake, I quickly made deposits to cover the 4 payments and the overdraft fees, because I knew the XXXX XXXX would try to withdraw funds from my account again. 

I quickly made the deposit, and to my surprise, 2 days later I had 6 additional overdraft fees on my account. BBVA bank used deceptive practices to charge me multiple fees. I had sufficient funds on my account, since I made deposits on XX/XX/2019. BBVA charged me the 6 additional fees and return the payments once again to XXXX XXXX. I called the creditor and the creditor told me that they try to withdraw the amounts on XX/XX/2019. I tried to explain to the bank that on XX/XX/2019 I had the available funds on my account to no avail, they did not returned me any of the fees. 

I was upset that I closed my account with BBVA, and told them to my the remaining balance, but guess what? they do not have a option to mail you the balance of the account, so I had to " DONATE '' the remaining balance to the bank. My only option would be for them to mail the balance, since they do not have a physical branch in Massachusetts.
XXXX ER visit to XXXX XXXX ER XXXX. Insurance filed incorrectly, so processed out of network. XXXX XXXX XXXX  ER failed to send the additional medical records requested by my insurance company. XXXX XXXX turned over to AMCOL collection agency and XXXX XXXX XXXX filed bankruptcy. I never received notice of debit. I discovered it on my credit report when I applied for a home loan. The collection agency is offering to settle for XXXX, but no less. I have asked them to provide me this in writing, which I still believe is unfair and had XXXX XXXX ER submitted the necessary paperwork to my insurance this bill would have been paid. There have been law suits filed against XXXX XXXX ER by others regarding the above unfair practices and failure to inform patients. I have also filed a dispute with the 3 credit bureaus.
I found fraudulent activity on my credit report in XXXX, 2015. 
I disputed the information with the XXXX credit bureaus and filed a fraud alert. 
I also called the XXXX creditors to report the fraud. ( XXXX, Barclays, and XXXX XXXX. ) The companies said the accounts were being closed due to fraudulent activity. I have never heard anything else back from them. I have tried to call back and am unable to reach anyone with a record of my dispute. 
The fraudulent activity is still being reported to all XXXX credit bureaus and I have tried to dispute this information again. The companies ( XXXX, XXXX, and XXXX ) do not investigate the fraudulent activity. They call the creditors to verify it is my account and then close my dispute. They are not investigating the fraudulent charges on my account. I have not made any purchases on these accounts. ( XXXX, Barclays, XXXX XXXX ) nor any payments. My credit file shows payments being made on these accounts as well, and I have checked my banks statements for the last two years and have not made any payments on any of these accounts. 

I received XXXX transaction history report from XXXX which was about XXXX pages long and I did not make any of the purchases on the report. 

I have not heard anything else from any company.
I was a resident in a rent stabilized LIHTC complex and subject to the requirements of the Division of Housing and Community Renewal. There were numerous violations and because of my notifying the DHCR, the attorney general and the housing authority, the landlord refused to offer me a lease renewal and chose to file a Petition for Posession of Premises ( Holdover ) In the Petition, the Petitioner also asked the Court for " rent in arrears '' In my defense, I prsented evidence that I did not owe any rent as my rent was paid to date. In the Court 's Decision, the Petitioner was awarded a Warrant for my eviction. However, the Petitioner was not successful in obtaining a Judgment for " rent arrears. '' I suspect on the ill-gotten advice of his lawyer, the landlord decided to submit the alleged unpaid rent to a collection agency in Maryland. I received a notice from the agency along with a sheet of paper of the alleged debt which was insulting. A 5th grader could have done a better job. Nonetheless, I immediately sent a certified letter disputing such debt and asked for a " validation. '' The agency basically sent me a duplicate of the 1st version of the alleged debt. It did not have the address of the alleged creditor nor an explanation of the alleged debt. First of all, the landlord and his attorney are well aware that the Court already ruled on arrears. Next, that document is fraudulent. Lastly, landlord 's attorney either is inept or he is rolling the dice in hopes by using an agency in another state ... ... ... well just maybe he can sneak this by but even if the could possibly prevail, I am XXXX years old. NO assets, and my only income is social security! 
There are other reasons I was targeted but for one reason that was the lesser of the others was that once i no longer resided in that particular apartment, that unit then became, deregulated and THAT is the lanldord 's goal to deregulate any units that are rent stabilized! t The landlord has about XXXX of these complexes so he has quite a gig.
Navient is not applying over-payments to my principal despite being directed to do so. I have been making all my extra payments on the highest interest loan. According to their policy they will continue to advance the due date on this loan indefinitely unless I request otherwise. I have routinely indicated that payment should be made to the the principal and not advanced, but they have consistently done the opposite. I call every month to have them remedy this, and they note that I have indeed directed them to apply the payment to the principal. On my latest call after much pressure, the representative stated that this would be a recurring issue as I am in the IBR ( income based repayment ) program and that I would just have to call each month to fix. When pushed to clarify if this was just an issue with my account or a known issue with all accounts wishing to apply over-payment to principal, the representative did additional research and found that it was a known issue with other accounts as well. 

This causes additional interest to accrue on my student loans and benefits Navient. I find it hard to believe that a company responsible for handling billions in student loans is unable to fix this issue in a timely manner. I am wasting an hour every month on the phone trying to work this out. Now knowing that it is not a one time issue and that it is effecting other people trying to make repayments ( some of whom may not be catching the issue ) it seems like an issue that CFPB should look into.
I had no knowledge that my account was in collections or that your company have sold my account to another company for collections .. plus the damage is on my credit report already .. Name : XXXX XXXX Account Number : XXXX Your account was sold to Jefferson Capital. To make a payment or if you have account balance questions you will need to contact Jefferson Capital at XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber XXXX  XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from MODEL FINANCE COMPANY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against MODEL FINANCE COMPANY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
! st I did a transfer of funds from my penfed account to my XXXX account XXXX stated that the funds were not available. However the funds were taken from my penfed account and it created fees. I contacted Penfed explained what happen they reversed the fees and told me not to use XXXX to withdraw my money. I than used XXXX XXXX the same thing has happen it was returned for funds not available which is in error. Am unable to access my funds and I know from past history that am being target
Mr. Cooper is the primary mortgage lender for our house. My wife and I filed for chapter XXXX bankruptcy in XX/XX/XXXX and received our discharge for completing the plan in XX/XX/XXXX. In short while under protection of the bankruptcy court, Mr.Cooper has reported that we had late or missing payments from XX/XX/XXXX through XX/XX/XXXX on our XXXX credit report. At no time in the 15 years that they held our mortgage, were we ever late or had missing payments. 

We have made several phone calls and logged many hours trying to resolve this issue with no results.
ocwen loan servicing is attempting to foreclose on my home with assignments that are clearly robo signed by well known robo signers. The assignments are fraudulent that were used to transfer the mortgage. The have refused to modified or restructure my loan. I also sent a QWR, and a debt validation letter. I am yet to receive a response. I have asked that the sale for XX/XX/2018 be stop until my concerns were address
This account was my XXXX XXXX that was financed and I paid if off in full XXXX 2016 they will not take it off they keep telling me that the information is accurate. It was paid along with court cost. It was a judgment so they updated the judgement as satisfied but not the original account. Also, it was a joint account and it was taken off my wife 's account.I want this deleted.
Landlord ( XXXX XXXX XXXX . ) did not provide notice to tenant ( XXXX XXXX XXXX ) upon the XXXX day from move out day to the forwarding address she provided upon move-out on XXXX XXXX, 2014. Landlord then sent amount directly to a collection agency who only provided a bill as a method of validation. We have asked the collection agency to provide the certified letter attached with the return receipt with tenant 's signature that she received notice that landlord was seeking an amount in damages. Tenant who is XXXX years old and who lived in the apartment for 8 years, disputes the entire amount sought by landlord due to their failure to provide notice and the fact the items seeking reimbursement ( vinyl, resurfaced counter-tops, and a blind ) are all items with normal wear & tear.
I checked my credit report and noticed that XXXX XXXX reported an unpaid debt that was not owed by me. XXXX XXXX reported an unpaid debt that was not made by me. I sent a letter out to the collection agency that is holding the unpaid debt ( XXXX XXXX ) on XX/X/2017 asking them to verify and validate all info stating that the debt was mine within 30 days. I never recieved a response.
PHH Mortgage has made false entries on my account and PHH Mortgage needs to complete a forensic audit of my escrow account. In XXXX PHH began servicing my loan. I have a Customer Account Activity statement that shows {$350000.00} in escrow disbursements. The DC Office of Tax and Revenue has provided me documentation to show receipt of {$190000.00}. PHH transferred my loan to XXXX in XX/XX/XXXX. Prior to transferring the loan, PHH documentation shows 15 disbursements of {$320000.00} between XX/XX/XXXX to XX/XX/XXXX. The D.C. Office of Tax and Revenue only received {$160000.00} in payments during this period. On a single day, XX/XX/XXXX, PHH made 11 entries on my account totaling {$150000.00}. All of these payments are listed as Payment of City Tax with the exception of one disbursement which is titled Special Disbursement. The DC Office of Tax and Revenue has not received any of these payments. I am suspecting false entries and falsification of information. Eight of the XX/XX/XXXX are duplicate entries with duplicated dollar amounts and the Office of Tax and Revenue did not receive any of these payments. Further evidence of escrow fraud is demonstrated by lack of escrow disbursement activity in XXXX, XXXX, XXXX. For these years, my payments were escrowed for taxes ; however, no tax payments were made. InXX/XX/XXXX, PHH completed an escrow analysis and increased my payment to ~ {$18000.00} per month from a previous payment of XXXX {$2200.00}. I suspect this action was to force my property into foreclosure with the false payment entries. Finally, during the years that I was making escrow payments and my loan was current ( XXXX ), my account incurred {$61000.00} in interest and penalty charges. In addition to resolution of the false escrow account entries, PHH owes me a refund of this amount since they failed to make the tax payments ; however, they refuse to address this issue. All of this questionable activity occurred before I stopped making payments inXX/XX/XXXX. The loan was transferred to XXXX in XX/XX/XXXX.
XXXX XXXXXXXX XXXX XXXX promised to remove the account after being satisfied since the account had been open sinceXX/XX/XXXX. I contacted Experian and they continued telling me it was verified but they key it as Key Derogatory instead of removing it.
I purchased ( 4 ) {$500.00} Visa Gift cards from XXXX on XX/XX/XXXX. I have not received the cards as of today, XX/XX/XXXX. I opened an investigation with XXXX/Blackhawk Network and was informed that the cards were registered in someone else 's name and were completely used. 

I received letters in the mail stating that Blackhawk did not find the transactions to be fraudulent and are denying my claim. 

I 've neither received the gift cards I ordered nearly 2 months ago nor have I received a refund to my credit card.
I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX   XXXX, XXXX XXXX XXXX XXXX   XXXX
I have noticed a large number of Misapplication Reversal entries on my mortgage records resulting in my principal balance increasing {$1100.00}.

I contacted Roundpoint several times to provide a full accounting and written explanation of why the Misapplication Reversal entries were made, where did the funds go, and why did the principal balance increase after the adjustment.

To date I have received no response. I am concerned, due to researching similar complaints, that Roundpoint Mortgage is mishandeling Escrow funds and/or mortgage P & I funds.
Equifax , please look at the screen shots, the Activity Designator says " N/A '' and should not. 

The " Activity Designator '' should be- " CLOSED ''. 
There is a " CLOSED Date '', or XXXX 2016. 

Please correct the Activity Designation to be CLOSED. 

The HIGH Credit displayed in the screen shot, is inaccurate, as the Balance History reflects the true " HIGH CREDIT '' The comments then say, the HIGH CREDIT is my limit - and as a result, can not be true. 

Please delete those comments that were added.
XXXX, and XXXX is reporting an account that is not mines. I have files a police report, filed an identify theft report with cfpb and Equifax continued to report the fraudulent account.
I called the Target Card Services department XXXX approximately 30 days ago in regards to getting a credit reporting issue resolved over the phone. I was told that they would work to resolve my issue and contact me by mail. This past week on XX/XX/XXXX at approximately XXXX ET, I called to see what the status of my issue was ; after reviewing my  account the customer service agent told me to send a letter to them explaining my request. After explaining to the rep that I had this conversation 30 days prior with an other agent and was told something completely different ; I asked him if he could see the notes on my account with that prior discussion. He told me " that there was no record of that conversation on the account ".
The hospital had given my bill to the debt collectors who for 6 years have been sending it to the wrong address. I only found out recently about this debt when i saw it on my credit report, which it had affected very negatively. I have called the creditor collectors and told them that I never recieved a letter from them all these years if they can remove my debt from my credit report so they can give me a fair chance. They refused and demanded I paid in full in exchange for removal from credit report. This is not fair. Please help!
On XX/XX/2018 I wrote to TransUnion credit reporting bureau ( see attached letters and proof of certified delivery ) informing them of the incorrect reporting of an account that is unknown to me and that they were reporting both inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed TransUnion that I have attempted to contact this company but the contact information stated on my report is incorrect. I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This has been over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. I have received NO response from TransUnion regarding my dispute and the non compliance of the collection agent although I have sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. Both TransUnion and XXXX XXXX  XXXX XXXX XXXX have failed to comply within the 30-45 day time frame to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.
I want to file a SECOND COMPLAINT against Wells Fargo Home Mortgage for the deceitful, dishonest, and corrupt, method in which they have processed my loan modification, which resulted in another denial. I have faxed all requested and repetitive documents to the modification department for quite a lot of months, turning into several years. I was constantly transferred to different Wells Fargo representatives and agents, I believe this is clearly a violation of the HAMP Eligibility and the program codes XXXX & XXXX ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and codes XXXX & XXXX ( Single Point Of Contact ). 
In XXXX, I became very ill and was diagnosed with a medical condition making it impossible for me to work causing a horrendous hardship and I got behind my mortgage payments I implored for help I was distressed and anguished This entire process has become a nightmare. I truly believed that once I followed their directive I would be approved for a modification, I have continued to plead with them and explained my difficult situation no avail. 
I was never made aware that my loan was accrued by a private investor XXXX BANK, XXXX. as Trustee for WFMBS XXXX, I do not understand why they are involve with my loan and are refusing to help me I strongly believe they are in violation of the guidelines of the Emergency Economic Stabilization Act of XXXX and the Foreclosure Relief Act of California XXXX SB XXXX and XXXX XXXX XXXX & XXXX. 

In addition Wells Fargo has valued my home at a horrendous amount when in reality the properties around my home have sold for half, I presume Wells Fargo 's action is to make it unworkable, impossible to get a modification they are devious and corrupt .I have attached sale comparable of my area as proof of what I am complaining. 
I strongly believe Wells Fargo Home Mortgage is not in compliance with the government standards and codes, therefore I ask that you apply your regulatory authority and re-evaluate Wells Fargo Home Mortgage policies and their process of assisting home owners with the modification under the Making Home Affordable ( XXXX ) program, It is my believe their underlying guide lines contains misrepresentations, deception and violation of The Truth In Lending Act - TILA. this federal law was enacted in XXXX with the intention of protecting consumers in their dealings with lenders and creditors. 
Furthermore, I think Wells Fargo Home Mortgage is in violation of the guidelines of the Emergency Economic Stabilization Act of XXXX and the Foreclosure Relief Act of California XXXX SB XXXX and XXXX XXXX XXXX & XXXX and I fall within the aforementioned guidelines. 

Their lack of willingness to assist home owners, specifically those who have a medical condition and have a crisis and live in desperation should not be tolerated by your organization. Wells Fargo has demonstrated we are insignificant to them, they lack customer value and fail to respect home owners in crisis.
I setup automatic payment with XXXX XXXX. However my mortgage was sold to PNC Mortgage, and I did not received their welcoming letter and late notice letter due to change of address ( which I have a witness for this ), hence the payment was 60 days late. I felt PNC Mortgage did not try their best effort to contact me, they did not call on the phone, text or email me about this transition of mortgage and the late notice. 

I have never missed a payment in my life and have excellent credit before this. As a consumer, I felt PNC Mortgage is at fault for not informing me about the transition, and they just do n't care. 

To make matter worse, I had file a complaint with Better Business Bureau, they acknowledge that it happens because I did not receive their letters, can not prove that they call me, text me or email me, but offer nothing to help me. I escalated to PNC executive client relation, XXXX XXXX and she chose to ignore my email.