WillisBack/dataset-financial-user-claim huggingface dataset:
A short sale was initiated with Wells Fargo the beginning of 2015, over the course of this year Wells Fargo has continued to delay the process, requesting the same documents over and over and over again, these documents have been submitted via their fax line and emailed to womomever the current file owner is at the time. The documents are confirmed to have been received however a week or two passes and they ask for the same documents over again. This file has been escilated to the executive offices at Wells Fargo and they then reassign the file and the process of submitting the same documents over and over begins again.
I received a statement that I owe {$55.00}. I am not responsible for this debt. It does not belong to me. 

I can't find this company as being bonded to collect in the state of Texas.
I keep receiving credit card pre-approved offers from Capital One Credit Card. I have asked them to stop via phone and have returned mail to them over XXXX times. Still ... they keep mailing them to me. At least every 2 weeks. And, in a two week period I received about XXXX offers via us mail. I would think that their pre-approvals would affect my credit.
I contacted mortgage broker XXXX XXXX, XXXX with XXXX in XXXX of 2015 to get a mortgage pre-qualification to begin shopping for houses. When we found a house that we loved and made an offer in early XXXX we requested a closing date of XXXX XXXX in the offer based on what XXXX indicated would be a reasonable amount of time to secure the mortgage. On XXXX XXXX I went to XXXX 's office to sign all of the application paperwork and asked again if we would be on track for a XXXX XXXX closing and was told that we should be OK. I was asked for various documents along the way and always responded quickly, normally the same day. I followed up a few times about the date since I was planning to secure friends to assist with the move and we were selling the existing house that we were living in the following week. On XXXX XXXX I received a conditional commitment and was told that we still looked good for a XXXX XXXX closing but they just need to tie up a couple things. The issue came on XXXX XXXX, I sent an email asking for a status at XXXX XXXX and received the following response at XXXX : " We got all of the conditions related to you cleared ; however there is a condition related to the appraisal which should have been cleared by the appraiser earlier this week ( basically, an " explain why you did XXXX on comp # XXXX '' type question ), which the appraiser did not take care of before leaving on vacation for this week. We are requesting " backup '' to see if the appraisal management firm can fill in for him on it, but since it 's an explanation of a judgement call I ca n't say for certain whether than can be cleared before next Monday. So that makes it likely that your closing gets pushed to the middle or end of next week. " Basically I was told about one full business day prior to the date I was supposed to close that it could not happen. I had time scheduled off work, a rental truck reserved, friends planning to assist, had to make the sellers of our other house adjust their timing. The feeling I got was that these things happen in this industry and everyone pointed fingers at it being someone else 's fault, the underwriter needs something, but the appraiser is on vacation, the broker can do anything with United Wholesale Mortgage, and XXXX would not give any information to applicants, etc. I understand that things happen, but to be given such little notice was extremely stressful and resulted in additional costs of having to pay movers and adjust my schedule - let alone settle in to my new home.
I, along with my former spouse, originated a home loan in XX/XX/XXXX with a maturity date of XX/XX/XXXX. Upon our divorce in XX/XX/XXXX, I was advised that the loan had been refinanced to remove me from the loan and subsequently signed a quit claim deed to relinquish my ownership rights. In reviewing my credit reports, I have since determined that the mortgage obligation still remains under my name. In communicating with PHH Mortgage, it has been determined that the loan has been modified twice and the terms of the original agreement I signed in XX/XX/XXXX have been changed without my knowledge or consent. The loan maturity date is now slated for XX/XX/XXXX, 17 years beyond the terms I originally agreed to and signed for. PHH was fully aware of the fact that I no longer owned the home ( as they have the quit claim deed on file ) and that the marriage had dissolved as of XX/XX/XXXX, yet they knowingly processed changes to the loan terms without question or concern and did so without ever contacting me or obtaining my signature to agree to the changes. I have called PHH repeatedly to have this resolved and have my name removed from the loan, to no avail. I have even been advised by a PHH representative that they can not provide me with further details regarding the loan activity because I do n't own the home.
Per the agreement with Bank of America through a CFPB complaint XX/XX/2017 ), they have agreed to contact the appropriate consumer reporting agencies to report that the account was paid in full with a XXXX balance and that there was no prior history of delinquency. This was fulfilled with XXXX and XXXX, but still remains on the XXXX credit report.
XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. 

I want this removed off my credit report on all three agencies immediately and also a letter from montgomery ward saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.
On or about, XXXX 2015, I disputed a collection account XXXX to be inaccurately reporting, they sent me a response saying the account has been updated but nothing has been updated. I then requested that they remove the dispute statement which the creditor placed there because it Is no longer in dispute. This has not been corrected yet.
Portfolio Recovery has been reporting a collections account with the XXXX bureaus for quite come time without my attention. To my recollection, I have never been contacted about this debt - with validation or to pay. I recently sent them a letter on XXXX XXXX for verification of debt. PRA did not respond within 30 days, therefore, I sent a letter to all XXXX bureaus PLUS PRA on XXXX XXXX to delete the account due to no verification of debt/no response within 30 days. PRA is now re-reporting the collection on my account as of the most recent check on XXXX.
I have a used 6 year auto loan ( account no. XXXX XXXX with Santander Consumer USA that I have made 34 consecutive monthly payments of {$250.00} on through XXXX/XXXX/XXXX. I purchased the car, a XXXX XXXX XXXX XXXX with XXXX miles, from XXXX XXXX in XXXX, MA and Santander Consumer USA was the only lender XXXX said would give me a loan. I was told by XXXX XXXX that this was because I had a poor credit score at the time of my application. The interest rate Santander was willing to finance my loan at was 19.07 %. Although, I believed this rate of interest was exhorbitant, unfair and a higher finance rate than I could afford, I agreed to accept the loan offer from Santander because I desperately needed a car to get to and from work. Furthermore, I only wanted to finance the car over 4 years because the car already had XXXX miles on it as I mentioned earlier. However, because the financing rate offered to me by Santander was so high I was forced to finance the car over a 6 year term to make the payments somewhat affordable. 

The car is no longer drivable due to a blown engine when the car overheated on XXXX XXXX and the car had in excess of XXXX miles on it. My mechanic at XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, MA told me the cost to repair the car far exceeded the current value of the car. My insurance company XXXX XXXX told me that the damage to the car was not covered because it was a result of mechanical failure, not an accident. 

My original loan on the car was for {$10000.00} and I still owe about {$7400.00} as of XXXX XXXX. The car is still registered with minimum insurance on it with plates. I called Santander in late XXXX of last year and tried to negotiate a lower interest rate with them and they refused. I asked if they would accept a lump sum payment in the {$3000.00} range as payment in full on the loan and they refused. They kept saying I signed a contract and if I did n't continue to pay the loan according to the original loan terms they would send my loan to collections. I can not afford to continue to pay {$250.00} per month on my loan plus insurance and registration and excise tax fees for a car I can not drive. I have a permanent XXXX and I receive XXXX XXXX  XXXX XXXX ( XXXX ) as my primary source of income.
Reordering dates of transactions to cause smaller debits to be insufficient. 
I have been a customer with XXXX XXXX XXXX XXXX for 9 years and am aware of the banks order of processing payments. I did not join in the class action lawsuit filed against Synovus for the processing of transactions from larger to smaller. On XX/XX/2018 I had an available balance of {$200.00}. The definition that Synovus gives of an available balance is the amount of money available to me at that time including all cleared transactions, deposit hold items, ATM transactions and check card transactions. On XX/XX/2018 I placed 2 debit transactions for {$30.00} and {$22.00} leaving an available balance of {$150.00}. On XXXX, I placed a debit transaction of {$30.00} leaving an available balance of {$120.00}. On XX/XX/2018, I had a preauthorized payment of out for {$330.00}. I understand this payment would overdraw my acount and I would be charged {$36.00} for that payment but the 3 debits on earlier dates were processed after the preautherized payment causing me to have 4 charges at {$36.00} each. Why would I have made 3 transactions less than the {$36.00} fee if I didnt have the available funds at the time they were placed. I could have easily went to a local branch atm and withdrew the available {$200.00} and paid cash for the 3 smaller transactions and only had the preauthorized to be insufficient in which that is how it should have been processed. I filed a complaint with the XXXX on XX/XX/2018. The company did not respond. The XXXX sent a second notice to Synovus on XX/XX/2018. As of today XX/XX/2018 the company still has not responded.
I went to XXXX XXXX XXXX on XXXX/XXXX/XXXX, I paid my co-pay during the visit. XXXX XXXX XXXX XXXX tried to use incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted them stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas, which denied their claim stating the submission as 12 months past service date, and I was liable for {$0.00}. 

I will be submitting the explanation of benefits for the original service date, and the resubmitted XXXX from XXXX XXXX.
After 4 years of applying for home modification with Bank of America, I received XXXX earlier this year. There are several issues that I have been trying to resolve and BOA has given me a run around. Issues include a new loan principal that is more that the previous principal, this new principal is more that what I had purchased the house for initially and my home value is no where close to this loan amount. While seeking modification, I have continue to pay the bank my mortgage albeit not the entire amount. Upon modification, there is not a trace that I had payed BOA save for my own bank statements. The money simply vanished. The documents I signed also are very suspicious as there are too many inconsistencies. I was told by an agent from the bank I should be happy I got the modification and I am not eligible again if I do not accept this mod, and I constantly had foreclosure threats leveled at me for the past 4 years. BOA reset my loan back to 30 years, did not reduce my interest rate and has tagged on a {$50000.00} fee that is due at the end of the 30 years and have not been able to explain the origin of this back-end loan. The only evidence of the existence of this bogus loan and my responsibility to pay it as a lump sum in 30 years is no where else but the modification papers. 
XXXX spoken to a few mortgage law experts, it seems there are quite a few violations with the loan and the whole process surrounding it. I would like an answer to all these issues once and for all and and hope this gets resolved soon.
In  XXXX  of   XXXX   I missed a payment with  XXXX  and I continued to make on time payments for every month after that but each month they reported me as late. I have spoken to them numerous times and they refuse to correct this error. Also during the month of  XXXX    XXXX   when I was having financial trouble I applied for loan assistance, called  XXXX  to help,  a Loan modificat ion, and asked to pay more each month to catch up. All was denied. Please remove these late payments from my account as soon as possible.
I defaulted on my mortgage because the monthly payment and the interest rate increased from one day to another, making it impossible for me to stay afloat. 

I have tried to do loan modifications and many other alternatives for my house not to get foreclosed on but the bank is not willing to cooperate. 

I feel that I was done wrong by the bank and there might be some fraudulent activity on the bank 's part.
COLLECTOR FAILED TO ADHERE TO CEASE AND DESIST AND DO N'T CALL ORDER AND KEPT CALLING ALL OTHER PARRTIES. THIS IS A CORPORATE DEBT AND SHOULD REFLECT COMPANY INFO. THIS CO IN VIOLATION OF XXXX, FCRA. FDCPA AND DECEPTIVE COLLECTION PRACTICES.
It was on XX/XX/2017 a family member got my information without my knowledge apply for a personal loan from XXXX personal loans. XXXX didnt contact me first before giving the money away and giving the money 3 days after the family member sent my information. {$20.00} giving by XXXX in my name were a abused because I didnt make that money in a year working as a XXXX XXXX at that time make me frustrated, crying every day for a money I didnt used or got. It was on XX/XX/2017 I know this happened to me while I went to payed my bills, I can not believe my eyes and It was true. Called them next day explaining my situation they didnt believe at all and I filed a police report, nothing as ever changed put my name in shame for a thing I didnt do. I want XXXX to be prosecuted for this because it didnt care for their customers and I want justice. Those companies put an hard inquiries in my credit too I want them to clean my name on theirs.
Hello CFPB, I would like to bring to your attention an injustice matter that I have encountered concerning my home of 33 years with different mortgage companies. I 'd worked for XXXX in XXXX, XXXX for approximately 15 years. Due to an on the job injury, I began having problems with my legs and was placed on light duty for a number of years before I was forced to quit, in XXXX XXXX, due to unable to completely perform the job task, per new management. During the next couple of months I received unemployment, but really struggled to pay my bills and got extremely behind. Fortunately, I was approved for XXXX and Social Security and began to receive fixed monthly payments in the total of {$1000.00}. This has been my only source of income since XXXX XXXX. 
I was paying mortgage on my home with mortgage company, XXXX XXXX XXXX XXXX, loan # XXXX and my payments were {$250.00} per month. Then, a new mortgage company by the name of FCI Lenders Services Inc. took over my payments. They claimed that they could n't find any of my payments to the previous company and that I had n't made payments from XXXX to XXXX. I explained to them that were absurd and there 's no way I would still be in my home if that accusation was true. Finally, after several complaints from me and extensive research, they found my payments, but refused to give me credit for them and wanted me to now pay {$650.00} per month. I sent in a letter of request for them to lower my payments, but they denied the request. FCI Lenders Services Inc. gave me a forbearance agreement to pay {$650.00} per month from XXXX XXXX to XXXX XXXX. I was unable to keep the agreement due to being XXXX for XXXX, XXXX XXXX XXXX, and XXXX problems for about a week. I had to pay for my medication and see different specialist 3 times a week upon being discharged from the hospital. Since then, my loan has been turned over to a new company by the name XXXX XXXX XXXX, my file loan number is XXXX. On XXXX XXXX, XXXX, they are planning to foreclose on my home of 33 years. They told me in order to keep it I will have to pay {$120000.00} due to back pay. The home is only worth {$13000.00} and the homes in the area are valued from {$30000.00} to {$40000.00}. Please investigate this matter so I wo n't lose my home. Any help of this matter will be greatly appreciated. I 've listed the addresses and phone numbers of the mortgage companies listed above. Thanks! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fax
I called bank of America on XX/XX/2018 in regards to purchases made from XXXX that I never received in the mail. I order these purchases in XXXX and XXXX and now BANK OF AMERICA is mentioning that it will take 6 months to get my money bank and also I asked how to submit my evidence and they did not give me any information.
My information, and my wife 's information, was reported by Equifax as part of a massive data breach in XXXX-XXXX of 2017.
There are multiple inquiries that were the result of unauthorized use of my credit report. I have filed an identity theft report. I am unsure of what type of credit many or these companies issue.
the company involve system pull your credit when they state on there site it doesnt affect your credit to pull or check for a credit card or loan
I supposedly owe past dues fees ( {$4700.00} ) to XXXX XXXX XXXX here in XXXX, FL. I have been working with a collection agency located in XXXX, FL, for at least one year and making my payments every month as agreed. I recently received a letter dated XX/XX/2018, from Fountain Schultz & Associates located in XXXX, FL, trying to collect my supposedly past due fees as well. They are requesting {$5400.00}, from me by XX/XX/2018. I am reporting this complaint because both the collection agency and the law firm of Fountain Schultz & Associates can not collect on the same bill simultaneously.
PORTFOLIO RECOVERY ASSOCIATES INC I continue to dispute the accuracy of the two debts you have in your office. In every complaint I have asked over and over that you please provide me with a copy of the contract with my signature on it that shows the legal obligation that I have to pay you Portfolio Recovery Associates INC the amount you say that I owe. Since XXXX XXXX  2017 you have been reporting derogatory information to all three credit reporting agency and even though these two account were in direct dispute rather then halting collection activity during the dispute process you continued to collect and report this information to the credit agencies with the direct attempt to damage my reputation and finances. I would like to point out the follow under the FDCP 809. ( b ) and 812 section ( a ) Based on validated information from all credit reporting agencies and copies of my reports along with the certified letters that were sent to you disputing this information you clearly continued to collect during the disputed process time frame by reporting and continue to report the invalidated derogatory information even though it's still disputed to this day. The only thing that you have provided is photo copies from another company, that is not even your own in a pdf format that can easily be modified or changed.
I called on XXXX transaction on authorized transaction in my account and they disputed them but about three days later decide to close my account without notifying me although I know that credit card if you have to notify mebut what I do know is that a credit card company can not restrict or close your account for disputing transactionsI calledrestrict the account because I reported fraud and disputed transactions now they do n't even let me pay what 's left I tried to pay the bill and every time I try to come back saying that I 'm not eligible payments so the count is still staying the same interest fee they do not pay any fees and have XXXX credit cards and the same for the other ones the same
the company XXXX ( not trans union, XXXX.XXXX ) reported wrongful inquires on my bureaus. XXXX and XXXX of XXXX please these XXXX individuals misused my credit XXXX-inquireies
Delta Management Associates just contacted my employer to ask for an employment verification. I do not have any accounts with this company and have never received any written notice or phone calls to my personal phone number ( which I use to set up accounts ) regarding any debt owed. About a year and a half ago, Delta Management Associates called my office and connected to my desk number and asked me to give them my SSN so that they could access my account information. At that time I told them that I did not have an account with them and absolutely would not give them my SSN. I had not heard from them again until today my receptions said that they called asking to verify my employment and that she directed them to our online verification system. She said they sent her a fax that had my SSN on the paper, but she shredded it before telling me. I am concerned that they have somehow obtained my SSN are trying to find ways to get more of my personal information.