WillisBack/dataset-financial-user-claim huggingface dataset:
When we first purchased our home we had a great lender, then of course our mortgage was sold like any other. Ever since XX/XX/XXXX we have had nothing but issues. This new lender paid too much for our property taxes and then it took forever to fix that and now it 's on I 'm going process of them trying to raise our mortgage when nothing has changed. I have verified with the county and also the home insurance and every source I needed to, to see why they changed our payment. They originally told us it was the interest that went up which is false because we have a fixed rate for 30 years. Then once I addressed that was n't the issue they stumbled upon finding a valid reason as to why it had gone up. I have been trying to contact a manager since XX/XX/XXXX and out of the 30 times in 6 months I 've called only one called me back. Then this whole situation was sent to the tax department and once again I havent heard anything. They keep giving me the run around and it has been fishy from the start. No valid reasons, no good answers, and definitely no solutions. The reviews for this company are horrible and I just ca n't believe this is happening. Loancare is the name of this horrid place and I am So exhausted from these people. There is no physical office I can visit to address this in person. I have all documents holding up the facts and they act as if I do not. There is plenty more detail but it is confidential.
On XX/XX/XXXX, Experian charged my card for {$4.00} for a free credit report. I did not authorize the {$4.00} charge since it was a free report. Then on XX/XX/XXXX, I was notified by my credit card that I had a pending charge of {$19.00} for a service I never authorized nor did I sign up for said service. I proceeded to call Experian and was on hold for 2 hours before a service representative, who could not speak clear English, answered my call. This is a complete XXXX scheme that Experian is running. They entice people through email to try a free service and then silently and through very deceptive tactic sign people up for a service they don't want. They will say you signed up. They manipulated the placement of such a deceptive tactic and many consumers are duped into signing up and not even realize it. In addition, I received an email from Experian on XX/XX/XXXX, that I click on and low an behold the next day I had a pending charge of {$19.00}. Very effective strategy for a company running a massive XX/XX/XXXXscheme. I guarantee if this happened to me there are millions of consumers having their money swept from their credit card accounts and bank account on a monthly basis. If 1 million consumers are deceived that is {>= $1,000,000} per month going to a company for a bogus service. This has the making of a class action law suite in line with the XXXX XXXX scam.
I owned a vehicle financed by Veros CrediXXXX XXXX at XXXX XXXX, Ca. The vehicle was XXXX to their possession but they recorded this erroneously as a XXXX as opposed to a voluntary XXXX. Furthermore, the vehicle was auctioned for an amount up to the value of the remaining loan balance and Veros Credit ceased reporting this to the credit bureaus as such. Instead, they are reporting that I owe the an approximate amount of {$4600.00}. They have done this for over 60 days. Additionally, when I spoke with a representative prior to the auction, I was advised that any monies obtained from the auctioning of the vehicle would be applied to the account and would therefore reduce my liability by that same dollar amount. Veros Credit has been made ware that they have been reporting incorrectly. I would also like to note that I am not interested in direct contact with the company. They may only reach me through the means of the CFPB. The mailing address, nor any other applicable personal information provided is not to be reported to any consumer reporting agency, nor to be used in any attempt to collect any debts, especially due to the fact that it is a disputed issue. Give our relationship in which they engendered mistrust, Veros Credit does not have my permission to utilize any personal information in any manner, not even for their purposes. The keys to the vehicle were provided willingly to an agent appointment by Veros Credit, which is therefore an implied surrender of the vehicle. In short, that is not the only aspect of the account/reporting that is being disputed as untrue/problematic, but also the collection amount.
i do not know whos debt it is, i have sent resurgence the police report and identity theft afidavit via fax and certified mail to the address given by the agent. and the address on my credit report. i have spoken with the commpany on many occasions about this and they have continued to run me around agents names are XXXX and XXXX, which im sure are fictional names
National Credit Adjusters has contacted my friends and contact me on my job requesting me to money towards a payday loan that I have already paid for 6 months ago. When I requested for him, XXXX XXXX, to stop calling and harrassing me me on my job, he stated that is not harrasment and then he began shouting that he will take me to court. I would like this harrassment to stop., Please help.
In response to : CFPB- XXXX EXPERIAN To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I received a loan estimate for Quicken Loans on a new construction home. The loan estimate is what I used to select the mortgage company I selected. Quicken 's loan estimate indicated a {$2200.00} Adjustment/Credit, which I inquired about. I was told by the loan originator that it was money collected from closing which would be forwarded to other parties, such as insurance and HOA dues. This seemed to make sense because I had explained I did not want to escrow my taxes or insurance. The " cash to close '' amount is specifically what I used to proceed with Quicken, rather than the builder 's mortgage company, who was providing {$2500.00} incentive to close with them ( XXXX ). 
A week before closing, my loan estimate went up by {$3000.00}, even though they removed the homeowners insurance amount, as I paid this up front with the insurance company. When I inquired about the jump with mortgage loan originator, he referred me to his supervisor, XXXX. XXXX explained the problem was a calculation error and that it had to do with pro-rated taxes which the builder was responsible for which was no longer available since the loan moved from XX/XX/XXXX to XX/XX/XXXX. 
After I researched on my own about what Adjustments/Credits should include, I found that what both the originator and supervisor explained is simply not true. My understanding is that the Adjustment/Credits would include items collected in the loan and other charges section, which would be paid by someone else and not the buyer 's responsibility. 
So now I 'm confused as to why the ever had a credit listed on my loan estimate, which was never a valid credit to begin with. It seems to me this may have been used to lure me with a lower cash to close, only to remove it once my loan was close to closing so I had no choice but to continue with the loan. I 'm providing a loan estimate received on XX/XX/XXXX which had the credit, and the recent loan estimate dated XX/XX/XXXX with it removed. No explanation ever provided.
Reading the report investigation regarding Navy Federal Credit Union and the issue of locking out members from accessing their account ( s ) & bank cards from XXXX. I would like to report that the practice has continued into XXXX as my online access was blocked for a few months now as my card to date but this has happened to us since XXXX. My son has had this same issue since XXXX to date as well.
I received a voicemail message ( on my private cell phone ) on XXXX XXXX, XXXX. A woman named " XXXX XXXX '' said to call back the number XXXX XXXX XXXX XXXX. On the voicemail she claimed to be looking for a relative of mine allegedly over a summons they wanted to serve. The message told me to call back an " XXXX XXXX '' and gave me a reference number. " XXXX '' was out for the day. However, the man I spoke to did not say their company name when answering. They could not provide their company name, nor a business address, nor could they tell me if they were a debt collector etc. 

Based on other Internet postings, this is a Scam alert. Other people have reported this number. If they were a debt collector they would say their company name. I blocked that number and have digital security protection, and I advise others to do the same. Again, ( XXXX ) XXXX should be looked into, flagged, and reported to authorities.
XX/XX/XXXX Disbursement {$16000.00} - Consolidation of loans to lower my payment amount ( previously under AES with the IBR plan ) XX/XX/XXXX Re-certify IBR documentation and put on forbearance for 3 months XX/XX/XXXX Receive bill for XXXX ( past due ) XX/XX/XXXX Spent several days trying to solve this issue with them over the phone. Then the next even happened and everything seemed to be in motion to lower my payment amount which was quoted to be around {$45.00}. XX/XX/XXXX Payment of {$85.00} ( original amount under XXXX ) to get current. XX/XX/XXXX Payment of {$5.00} forbearance fee which was explained to me over my phone call in XX/XX/XXXX. XX/XX/XXXX Current Payment Due : {$140.00} on XX/XX/XXXX when quoted over the phone of a payment around {$45.00} with IBR ( I believe it was the REPAY plan specially ) The entire reason I signed up for consolidation was to be able to afford my student loan payments. Under XXXX my payment amount has doubled from the previous servicer, my IBR seems to not have taken effect and now my current FedLoan bill is MORE than the original FedLoan bill.
I have been trying to get in touch with my mortgage company for at least 4 months. My call can never get to them. I'm always on hold for over and 1 hour. My access to the website has been blocked, in order to unlock my account I have to call them directly, but how if I'm always on hold for so long. I just want to ask a few simple questions, how can I add my wife as an authorized party or what happens if I default on my account at some point.
I was offered {$200.00} in sign on bonus if I spend {$1000.00} in the first 3 months. I did so, and yet did not get any rewards so I called them up and they informed me that the terms indicated that I actually had to spend {$1500.00}. I am 100 % sure TD has messed up here. They are saying that in their day the spend amount indicated is {$1500.00}. 

I distinctly remember when applying online it was {$1000.00}. It is a very click bait and also very bait and switch
I opened a XXXX checking account based on an offer indicating that I would get XXXX thank you points ( apx XXXX dollar value ) upon meeting requirements. I met the requirements and confirmed XXXX separate times that I had the offer attached to my account and that I had met the requirements. 

After waiting nearly 4 months ( and paying fees ), I was told that I would not get the points because I was not targeted. This is ridiculous as I entered the promo code when creating account and confirmed with representatives that it was attached to my account.
I last made a complaint in reference to consumer finance in  XXXX     2017  for complaint #  XXXX  which exeter finance said they would buy back the loan and report the loan paid and settled sine they never properly notified me of the sale of the vehicle and it is still reporting incorrectly as if i owe the full balance it has been well ov er 45days therefo re it sho I ld be removed for being incompliant and not reporting correctly. I have called them several times about this situation to resolve and they still have not reported correctly. In there last response to cfpb they stated it would be bought back reported correctly.
The XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XX/XX/2019 Capital One Spark Business XXXX. XXXX XXXX XXXX, VA XXXX CEASE AND DESIST If you are represented by legal counsel, please direct this letter to your attorney immediately and have your attorney notify us of such representation. 

We are writing to notify you that XXXX XXXX, the person to whom you addressed your letter, is not and has never been associated with XXXX XXXX XXXX. Accordingly, you are hereby directed to CEASE AND DESIST SENDING CORRESPONDENCE TO XXXX XXXX AT XXXX  XXXX XXXX XXXX XXXX, CEO of the XXXX XXXX, is the sole owner of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, TX  XXXX It has come to our attention that you have been sending letters to XXXX XXXX, who is not and has never been, associated with The XXXX XXXX. 

We demand that you immediately ( A ) cease and desist your unlawful use of someone else 's name associate with The XXXX XXXX and ( B ) provide us with prompt written assurance within ten ( 10 ) days that you will and desist from sending correspondence addressed to XXXX XXXX. 

If you do not comply with this and desist demand within this time period, XXXX XXXX is entitled to use your failure to comply as evidence of willful infringement and seek monetary damages and equitable relief. 

In the event you fail to meet this demand, please be advised that XXXX XXXX has asked us to communicate to you that it will contemplate pursuing all available legal remedies, including seeking monetary damages, injunctive relief, and an order that you pay court costs and attorneys fees. Your liability and exposure under such legal action could be considerable. 

Before taking these steps, however, XXXX XXXX, sole proprietor of XXXX XXXX XXXX, wished to give you one opportunity to discontinue your illegal conduct by complying with this demand within ten ( 10 ) days. If you or your attorney have any questions, please contact me directly. 

Sincerely, XXXX XXXX, CEO cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX
Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$570.00}. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
During college, I took out a loan from Nelnet for {$3500.00}. Unfortunately, I forgot about the loan because the company sent me repayment information to my old university email, which I no longer had access to after graduating XX/XX/XXXX. Then on XX/XX/XXXX, I was notified of a delinquency on my credit report. I looked into it, and discovered that my Nelnet loan was now delinquent, as I had not made a single payment. Realizing my mistake, I called Nelnet to try and fix the situation. The loan officer promised on the phone that if I paid off the loan in full right now, Nelnet would remove the delinquency and it would not affect my credit score in the future. Because of his promise, instead of making monthly payments on the loan, I paid off the loan in full using my savings. I called two more times after I paid the loan to make sure everything was paid off completely. Both times, the loan officers ensured that the loan was paid off, and that the delinquency would be removed. I assumed everything was done regarding my Nelnet loan. 
However, I checked my credit score earlier this month, and my credit score dropped again. I called XXXX, and the XXXX agent confirmed that my NelNet delinquency was still hurting my score. My delinquency was still on my credit report, unlike what Nelnet had promised. I called Nelnet today to clear up the issue, and the agent this time sang a completely different tune. The agent said that delinquencies can not be removed, and that the delinquency would stay on my report for 7-10 years. I explained that I had paid off my loan in full because I was promised that the delinquency would be removed from my credit report. The agent said she would " look '' into the recordings. But 5 minutes later, she came back saying the recordings could not be found because they were too old. I am very frustrated because I think Nelnet should still have access to the recordings as they are not even a year old ( XX/XX/XXXX ), and may be hiding the calls on purpose. I am also frustrated that Nelnet promised to remove my delinquency, and now claim that they are unable to do so under any circumstance. I researched online people getting delinquencies removed from their credit report, and I am certain that Nelnet can do so also. The Nelnet agent I talked to today said she would also submit a complaint to her supervisor, but I am very skeptical. All I want is for the delinquency to be removed from my credit report as promised.
PennyMac continues to knowingly engage in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower requesting a loan modification. 

PennyMac received within 37 days prior to the scheduled foreclosure sale of XX/XX/XXXX, a completed application with supporting documents. 

Penny acknowledged receipt and never provide any missing documents letter to date.

PennyMac is claiming that they stopped the foreclosures sale of XX/XX/XXXX, to review the mortgage assistance application. This is totally false. PennyMac played no role or part in stopping the sale of XX/XX/XXXX. 

I confirmed, the Sheriffs office received " NOTHING '' in writing from PennyMac or its legal representative to stop the foreclosures sale of XX/XX/XXXX. The Sheriffs office has no written records of PennyMac making any efforts to stop the foreclosure sale of of XX/XX/XXXX. 

I personally had to go to the Sheriffs Office on XX/XX/XXXX, in order to make the request to adjourn the foreclosure sale and have attached proof of my efforts. 

The attached letter from the Sheriff 's Office confirms, I stopped the sale of XX/XX/XXXX and not PennyMac or it's legal representatives Therefore, PennyMac is still engaging in the prohibited practice of dual tracking and never properly reviewed my mortgage assistance application, which was sent to them on two separate occasions and prior to the 37 days prior to the scheduled foreclosure sale of XX/XX/XXXX, and new foreclosure sale date of XX/XX/XXXX.
Stolen identity someone opened credit cards accounts using my identity Open accounts XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Total value XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
After previously disputing this erroneous account, Equifax still deemed the account verified. This account had incorrect account status and I have no idea how a " collection account '' can report " past due '' .. This should have been removed from my report. Please see attached document
I received two confirmation # 's from Equifax pertaining to disputes I filed with them about incorrect information on my credit report. They notified me my Equifax dispute has been completed. Confirmation # 's XXXX & XXXX. I have been unable to get the results because their online system continually gives an error message when requesting a copy of the results. I have made repeated calls to Equifax customer service and the call center workers also report that they too get error messages when entering in the confirmation # 's. I have called in to Equifax customer service asking for a member of management and I have been repeatedly placed on hold for long periods of time and eventually been disconnected.
I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my Trans Union report the following number need to be removed ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.