WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX XXXX and was billed for an amount of {$300.00} after my insurance deduction. I was unable to pay this amount to the original creditor ( XXXX XXXX XXXX ) and therefore was sent to collection. In XXXX XXXX, I paid off this amount to the collection Agency ( Horizon Financial ) through my bank, XXXX XXXX XXXX XXXX, and I requested my husband to follow up with the collection Agency to make sure they take away the derogatory remarks on my credit report and close the account. He spoke with a lady called XXXX at Horizon Financial who assured us that this will be done. 
However, 8months down the line, the negative reporting is still on my credit report and when my husband called on XXXX XXXX, XXXX at XXXX ET, he spoke with the same XXXX who says that, although the account has been paid, the derogatory remarks will still be there. Also, the account remained opened on my XXXX credit report.
In CFPB Filing # XXXX XXXX XXXX XXXX XXXX stated that they CAN summarily make changes to a Mortgage without the PRIMARY signatories signature, by virtue of a Divorce Decree. In the Divorce Decree between myself and XXXX XXXX XXXX is a SPECIAL WARRANTY DEED, which is NOT THE same as a Quit Claim Deed. I have checked this with several Lawyers and even with the FBI. So, instead of fixing the problem, XXXX decides to CLOSE the offending case file, then open a NEW ONE, again without my signature. So, since XXXX XXXX XXXX can not pay on time, it shows up on my credit report. This is getting very tiresome, and this is exactly what XXXX XXXX was fined millions of dollars for, opening accounts without permission from those people. I want this stopped immediately. 

This is their response for Complaint # XXXX : We 've been unable to establish contact with you regarding you concerns about the credit reporting of your account. A Divorce Decree and/or Special Warranty Deed may transfer title to the property, but it does n't affect the original terms of the Note. Since you 're a customer under the Note, we 'll continue to report this account under your name to the consumer reporting agencies. On XX/XX/XXXX, we mailed you a notice that we were making a change to our servicing system. We did not open a new account for your loan, we simply moved your existing account to another servicing system within XXXX XXXX. Effective XX/XX/XXXX, your loan number changed from XXXX to XXXX. The account is currently due for the XX/XX/XXXX payment. 

I have never been contacted with any of this information. Ever. I am willing to submit my home phone number logs ( XXXX ) XXXX or my cell phone logs ( XXXX ) XXXX as evidence in Federal Court to prove that they never bothered to attempt contact. As I am a Federal Law Enforcement Officer, they have committed a Felony under 18 USC 1001. XXXX XXXX continually commits the exact same type of Fraud that they were convicted of in Federal Court. Also, they FAIL TO MENTION that they CHANGED the note WITHOUT my signature or consent, their OWN paperwork shows where my SIGNATURE is REQUIRED, yet they changed the NOTE at that point. 

The CFPB seriously needs to investigate this. I have contacted the FBI and HSI concerning this matter. They have BOTH said what XXXX is doing is ILLEGAL yet it does not meet their threshold for prosecutions. The CFPB needs to investigate and prosecute XXXX. XXXX can not have it both ways they can not deem my rights as primary signor null and void, materially modify the terms of the mortgage, and then set up a new mortgage account all the while telling me that I am still responsible for the note that is not the original note that I signed.
I signed up for credit monitoring through Experian Credit Tracker sometime in XX/XX/XXXX. I was later able to call in and cancel the service around that time. In XX/XX/XXXX ( XXXX ) I was charged {$49.00} on my debit card ending ( XXXX ). I called in to inquire about why I was being charged and was told I did n't respond to emails and was charged {$24.00} for two months. One charge of {$24.00} was later agreed to be returned, but the remaining {$24.00} was not going to be returned.

I have not used or logged into this service during the time period, as confirmed by a representative named XXXX ( # XXXX ) during a phone call on XX/XX/XXXX. The emails seemed like solicitations and I did not want to open them. They did not say anything in the subject about late payments or delinquent payments due.
I get calls from this number threating me. The FbI and State of Wisconsin said this is a scam call. I want them to stop. The phone number is XXXX
My deceased husband 's son and now even a grandson gets calls at my home number for non-payment of loan. I am in no way connected to their loans. How on earth do these agencies get my number at home? I tell them I am not involved and my husband died in 2008. But several keep calling.
I applied for a Credit Card at XXXX XXXX which was approved I made one time purchase at the time of opening. Apparently US Bank was the credit issuing bank but the envelopes they have been sending had no labels on the outside that would hint at that these are for XXXX XXXX. I assumed these envelopes were marketing materials from US Bank which I often get and did not open them until yesterday. That's when I realized that it's for XXXX XXXX. I called them today and they are saying they can't waive the fees and finance charges. My initial balance was only $ XXXX but with fines and finance charges they are now $ XXXX. I only used the card that one time at the time of opening this is basically the first statement on which interest and finance charges have accumulated. They were talking about it's past 120 days ( 158 days ) and I asked them to waive the finance charges and interests within the last 120 days and they are not willing to do that. All this happened because the envelopes from outside had no indication that they are from XXXX hence I never opened them. This is clear ripoff of customer.
I have a XXXX Debt that is not mine i had to file an identity Theft claim with all Credit Bureaus and the IRS. I do n't understand especially when i have a XXXX account in good standing right now. Before this i had XXXX XXXX XXXX and i had paid that off already. I would like to dispute this Debt and have it removed from my credit report.
on XX/XX/2017 we sent {$1200.00} to XXXX with the company " XXXX XXXX XXXX ''. the company charges us {$12.00} as a transfer fee so total for transaction was {$1300.00} usd. When we send money usually the person that picks up the money in XXXX has to sign for the money and show their ID. when my niece went to pick up and claim for the money the company told her that the money had already been picked up at a different city. ( same company but different city/branch ) how is this possible? my niece did not pick up the money from this company. complete scam fraud. this is not money that had been given to me as a gift, we have worked hard to save this money. how is it so easy for this company to just say, " it was delivered and signed for ''. we then opened a claim with XXXX and after waiting over a month they come back and said., it was picked up and they can't do anything about it.
I have a cc with Capital One with a credit limit of {$3000.00}. On XX/XX/XXXX a minimum Capital One cc payment was due. I made a payment of {$1900.00} which they withdrew from my checking account on XX/XX/XXXX. On XX/XX/XXXX my cc was declined for a {$21.00} purchase. I looked up my account on the Capital One website and saw I was being charged a late fee and my cc wasn't credited the {$1900.00}. My cc balance was still {$280000.00} with only {$11.00} of credit remaining. 
I called Capital One customer service and got to speak with a manager, XXXX XXXX. He couldn't find any money that was sent to them, no record of any payments at all. He assured me that all account payments are electronically handled, there is no error. There is a problem. This has happened to me before in the past with Capital One. 
Isn't this called floating? 
XXXX XXXX assured me that all payments are posted and credited the next day, including Saturday. After stating this I asked XXXX XXXX, so where's my credit? Capital One took the money from my account on XX/XX/XXXX, why wasn't it posted on XX/XX/XXXX? He assured me it would post on XX/XX/XXXX. 
Isn't this floating? It's cheating. How many other peoples payments are being floated along with mine? Please stop Capital One from doing this again.
I am on an XXXX Account as primary user with my spouse. I no longer am together with her and want my name removed from the account. She wants to keep the account for herself. USAA is telling me that we have to close the account and she needs to open a new one. She has several bills debit from the account and a direct deposit paycheck that goes to account also.
A woman in XXXX XXXX advertised a house for rent in XXXX XXXX. 
I responded, wanting to rent for the month of XXXX 2016. Her " husband '' handled the initial exchanges, including a contract, certificate of ownership, etc. I filled out an online application. It was all done online. 
After I sent the {$1000.00} security deposit he requested, his wife texted me saying he had died XXXX. She wanted the rest of the payment - {$1500.00}. 
At this point I realized I was in deep trouble, so I refused. I got to MoneyGram Inc only 1 hour before she picked up the {$1000.00} and blocked it. I now have my money back but do not want this woman to scam another person. Thank you.
{$1400.00}. XXXX XXXX. I have sent XXXX XXXX a debt validation they have not responded to my letter and also reported to my credit report. Once again this item does not belong to me.
I wrote Experian because after talking with a mortgage person he said there were problems with my credit report so he had me go to a web site and get my reports. He told me where to find a simple form letter on line and to write the credit bureaus with my questions. Experian sent me a letter saying my letter was suspicions and they refuse to help me. 
I believe since I am a XXXX they are discriminating against me. I am educated and know my rights. I have read what they are.
My mortgage got sold over and over again in XXXX parts. The last XXXX to buy my XXXX mtg is Chase. They are threatening to foreclose now in spite of me making payments. The payments were rejected, attached if system lets me. 

I had told them I needed a reconciliation. I had told them that I just got my property back from XXXX mortgagor. I had told them I was sending my estimated payments in XXXX chunks. 

They ignored all my communiques and are proceeding. I need help to reach someone with reasoning capabilities at Chase.
Re assistance application for WellsFargo Equity Line XXXX My husband I have been applying for mortgage assistance on the above equity line from XX/XX/2015 when we applied for modification on the XXXX mortgage. We have submitted paperwork so many times and talked with so many Wellsfargo representative that we have lost count. 
We were initially lied to by a Welsfargo phone representative last year that the bank was going to evict us and had us spend all our emergency funds of over {$70000.00}. To-date we are still struggling with getting assistance or a solid answer from the bank. 
Today XXXX XXXX called us to say the bank was not going to offer any assistance because we are facing a hardship but he could help with liquidation. This is after month of interaction and paperwork. We can never get a straight answer nor does the banks representatives answer emails. Please advise.
CheckXXXX N go XXXX XXXX XXXX XXXX is under suspicion of breaching my waiting list position on the section XXXX list, application date : XXXX, conclusion, does not exist on section XXXX waiting list, as of XXXX/XXXX/XXXX, XXXX years later. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX/XXXX. 

Thus, after reviewing some of the past fraud XXXX is involved in, like in XXXX, for example, I am now complaining about HOUSING fraud, check no ONLINE and my position on the section XXXX wsitknbg LIST that never XXXX. 

Thank you XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX and XXXX hospital secretaries unions and even use fedral credit union employee are employees at the lake XXXX check no. 
And also as cashiers at XXXX XXXX Shopping Mall businesses, such as XXXX and XXXX, ETC. with intent to causes screaming and yelling and malfunction double swipe cyber ATM problems There was also truancy issues and juvenile detention arrest recently at LOCAL elementary charter school schools, XXXX and XXXX.
There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.
I requested that a Discover Credit Account be removed from my XXXX credit file. The account lists me as an authorized user. I am not an authorized user on this account. I never gave my permission to be listed on this account. XXXX and XXXX removed this account from my file, but XXXX has not after multiple requests.
I filled Bankruptcy on XX/XX/XXXX, because I had no other option. I was XXXX XXXX from the XXXX XX/XX/XXXX. I am XXXX XXXX XXXXXXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also XXXX is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. XXXX is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX  was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXX XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession, Pay Payment StatusRepossession
Phoenix Financial Services has an old debt that was incurred back in XXXX. I was XXXX years old at  the time and had my XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX XXXX KY. I was under my parents ' medical insurance at the time. We believe the bill was paid by my parent 's insurance. I have sent 2 letters to Phoenix Financial, one in XX/XX/XXXX & one in XX/XX/XXXX to try to get verification of the debt. I also requested that the negative information be removed from my credit report. To date, that has not happened. If they can not verify that I owe this money, I want the negative information removed from my credit report.
I do n't believe I had this account with bank of america in 2014 as recorded on my record for account abuse with a charge off of XXXX dollars. Would like to see prove of this account. I have never been to Missouri to any bank
I noticed a collection account listed on my credit report. 
The debt collector is LVNV Funding. 
The debt amount is $ XXXXI sent them a letter requesting that they verify the debt by providing the original creditors name, and original debt amount etc etc. 
The letter stated that if they ca n't verify the information, they should remove the collection account from my account. 

They have not responded to the letter, nor have they deleted the account. 

The letter was sent with certified mail + signature confirmation required. 

I have a copy of all the documents that were sent to them. 

I also have a copy of the signature provided by the USPS - thereby proving that have indeed received the letter. 

I 'd like this account to be removed from my credit report in its entirety, since there no proof that it belongs to me. 

Thank youXXXX XXXX
Citi closed my credit card and asked me to pay the remaining balance on the card. I did not receive any of the statements after the card was closed, and my access to online statements and online bill pay was blocked by Citi. When I called in, I was given no information on my account, and was told that I would receive a call back from a supervisor to discuss the issue within 1-2 days. I never got that call back. I was charged late fees and interest totalling {$50.00}, which I refuse to pay. I was told that I have to pay these fees because the statement was sent. Bottom line is, I did not receive any letters, statements, emails, notifications, texts, or communications of any kind after my account was closed. I was told by Citi that in order to get the fees removed, I would have to write a letter to the President. This is ridiculous and extremely disrespectful of my time.
I am seeking relief from the Navient Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.
Hi Im having trouble with CITIBANK.   I purchased a bed on  XXXX   XXXX   2017  on  XXXX  and paid to the seller *  XXXX    in the amount of {$280.00}. The seller never shipped the bed and I was refunded the total amount on  XXXX   XXXX , going back on my  MasterCard  ending in  XXXX .   It 's taking already 10 days and CITIBANK STILL NEVER PROCESSED MY REFUND.
This to add to my Case number : XXXX When I applied for the all XXXX loans with XXXX/ Navient at the time. The Loans were called student signature loans. When signing these documents electronically the interest rate was not given nor did I know if it was variable or fixed rate. If you look at the application I gave plenty of time for the lender before I was to start college. The lender did not give the truth in lending or disclosures until two weeks after I was in college so that I could not withdraw from college because of a high interest rate. I would have not gone to college if I knew it was a 14.375 % the last year of college. 
Then Navient gave federal XXXX discharge paper work. When I was not eligible for this. Then put my on interest only payments knowing this would hurt me in the long run using my only option. Then when the interest only term was done. Navient made my term from a 15 year term to 5 year term. Which double my payment. Then they tried telling me that I could use forbearance if i could not make the payment making things much worse. There is also a {$50.00} fee for this as well. These were many different ways that this lender tried making me default on all three loans that I had with them. These are all forms of UDAAP violation. Then on XX/XX/2017 I requested all documents on my file with Navient which I have not received yet.
US Bank has frozen my accounts ( XXXX ), beginning from on or about XXXX XXXX, 2016 to present without providing any cause of their action. I have received no written documents or phone calls from US Bank representatives giving reasons for freezing my accounts. I have visited branches I do business with on several occasions in the XXXX area and they are not able to give me any justification or even the responsible party that locked me out of my accounts. To date there has been no attempt on the part of US Bank to contact me regarding why these accounts have been frozen. I am a single XXXX XXXX veteran with XXXX who face extreme financial problems if this matter continues further with US Bank.
Capital One Card : I have not used this card in years. I was not even aware that I still had the card. 
Capital One charged me a member fee w/out my knowledge in XXXX of XXXX. 
They reported credit card late payments in XXXX for this fee. I do not have this card nor have I used this card in years. 

This has been the 2nd time this occurred with them. This happened in XXXX as well. They charged me a member fee for a card that I don't have. I thought I'd closed it. I paid it when they called me but had no real idea what it was pertaining to. 

This is destroying my credit. I do not get paper statements from them nor have I received emails ( or any notice. ) This needs to be corrected ASAP.
Why would there be a need for a mortgage servicer to obtain another Abstract Title? As I understand it, the original Title should prevail throughout the life of the loan. According to my settlement sheet, I paid well over {$3500.00} for Title from XXXX XXXX, located in XXXX, NY in XXXX. Now, I 've found, according the County Clerk 's records, that yet another Title has surfaced from XXXX XXXX, located in XXXX, PA, obtained by LoanCare Servicing, who in turn supposedly sold the loan to XXXX, even though LoanCare was not the owner of the Note. How could they sell something they do n't own and paid absolutely nothing for? Did I mention the original Lender was the infamous " XXXX '' I thought when XXXX went defunct, all loans were to be delivered to XXXX. Mine was n't delivered until XXXX, three years later. During that time, there was NO ASSIGNMENT until XXXX to none other than who else, the servicer, LoanCare. Also, this was an FHA loan. If in default, should n't FHA have obtained it and sold it themselves? Where are they? Why was there a need to change Title Trustee from XXXX XXXX to XXXX XXXX? Does n't this place a cloud on the tile? I may be a novice concerning Real Estate but something just ai n't right. The way LoanCare and XXXX conduct their business, I 'm sure we 're headed for a repeat meltdown of the housing industry, as was the case in XXXX. I 'm hoping the Courts have gained more knowledge of these dirty dealings and will not let them seize consumers homes fraudulently.
I 've tried to navigate equifaxes dispute form to no avail it does not show the items I want to dispute. I have paid XXXX out of XXXX of those depts and the other I have no idea where it 's from.
XX/XX/2014 I had fraud and identity theft on my XXXX accounts XXXX with XXXX and XXXX with Bank of America. Police reports were filed people were convicted and restitution had been ordered. However XXXX cleared it up for me and sent me a letter stating they have cleared it up. Bank of America has refused to clear it up and it is still negative when I went to open a checking account a week ago. XXXX removed it but XXXX still has it in my profile.
I had a fraudulent balance transfer on my credit card. US Bank refuses to give me the info about the transaction that I am entitled to according to Public law 108-159. I was told I would have to get a lawyer to get a sepeena.
The List of items below are being reported incorrectly by Transunion and some are not even my accounts. I have provided them with information just as police reports, and ID Theft Affidavit and they continue to report the information. I have also provided the same information to all the creditors too. Please help me restore my credit report to the correct information.