WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.
XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit  reporting bureaus.
NETSPEND CLAIM # XXXX AND ACCOUNT NUMBER # XXXX THEIR LETTER DATED XX/XX/2015 C/0 THEIR FIRST LETTERXX/XX/2015
I have previously contacted the company Worldwide Asset Recovery about calling my place of employment and then speaking to my co-workers about my personal financial issues. The Rep. contacted me and then threatened me. he called my place of employment and told a co-worker that he was sending a sheriff to my home. Sometime after that I was contacted by a Rep. XXXX XXXX XXXX who initially refrained from calling my place of employment but then he began the same practice. I was verbally warned by my employer about incoming phone calls. The I received an automated Robotic styled phone call that said I was in a lot of trouble and XXXX help my soul. I researched the number XXXX and found out it was from XXXX XXXX Calling center. I also found out there 's other complaints about the same type phone call from that number. I also have in my person an email laying out threats.
On XX/XX/XXXX bank of americas fraud department notified me about some suspicious transactions on my edd debit card. I confirmed that it was indeed fraudulent. I was in the hospital from XXXX delivering my son. Theres no way i could have been at an atm making withdrawls. I also had possession of my card the entire time. 
So, i proceeded to file a claim. I was told to request a police report. When i contacted my police department, they informed me that a police report could not be filed until i received something in writing from the bank. It took 2 full weeks until i received the letter from BoA stating that they felt there was no fraud or error and therefore was not going to refund me the total amount which was XXXX. That same day XXXX, i filed a police report and then contacted BoA demanding to speak with a manager or submit a reconsideration. I was informed at that time that i could not file the reconsideration  until i received a copy of the police report. It is now XX/XX/XXXX, and the police report is still not ready for me to pick up. This delay is prohibiting me from continuing the reconsideration process with BoA. I also requested copies of documents used to determine the transactions were authorized and was told on XXXX they would be sent and still have not received anything.
A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.
Account  XXXX  of  XXXX  Profile COMPANY -  XXXX   XXXX   XXXX  - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Open - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$6900.00} - STATUS - Charged off as bad debt - This is not my acccount. Please provide details of your investigation of how you determined this was my account in which it is NOT.     Also the account shows as an open status but yet says charged off as a bad debt. This is false inaccurate information. It should be removed. This is a fraudulemt account and plus its reporting incorrectly. Remove it.           Regional Finance - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Closed - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$0.00} - STATUS - 60 days past due How is the account 60 days past due but has a  XXXX  balance? This is a paid in full account. Delete the tradeline. You can not report information that is incorrect. It is a paid in full account that was never late. Delete this false information.
I was instructed many times to put my student loans in forebearance when I was unable to pay the total amount due. I 've defaulted many times on my loans because the monthly payment expectation is not feasible and the interest rates, including those accumulated while the loans were in forebearance, or in default, is ridiculous. My loans are currently in forebearance now actually because I called to ask for help in lowering my payments and that was their solution.
The year of XXXX I thought I could go back to school and maybe get a XXXX degree ... ah no that did n't work because I have been out of school way to long. Within the 2 months I received a Federal Loan. I was ecstatic I was going to buy or upgrade my computer and get better XXXX service. But after all said and done I did not make it and stop trying. I do n't recall how much money at the time I received but the time months went and years I owed more money than I have received. The loan went to XXXX XXXX then to XXXX and then Navient. I tried to pay them In XXXX by letting them take money out of my check direct deposit. I lost my job XXXX XXXX and it stopped. Have n't been able to pay them after that because I had to go on XXXX.
I have just received a " Notice of Default '' from the servicer ( SPS ) on XXXX XXXX, XXXX. I believe my loan is NOT in default. 
Although my Ch.XXXX bankruptcy was discharged ( to my disbelief! ) recently on XXXX XXXX, XXXX, my case is XXXX pending the Bankruptcy Court 's decision on the Trial hearing next month, on XXXX XXXX, XXXX. The Court is supposed to Determine the Final Cure on XXXX XXXX, XXXX. 
In the " Notice of Default '', Select Portfolio Servicing ( SPS ) demanded that I paid an unreasonable, unsubstantiated cured amount in 30 days, or they will foreclose my house. The cured amount has been challenged in the bankruptcy court. The evidence of fraud, misrepresentation and other reasons will be submitted to the Court at the up-coming hearing in XXXX XXXX. 
I respectully request CFPB 's interferring to stop the abuse by the servicer ( SPS ) while waiting for the Court decision. The abuse has continued and carried on after XXXX XXXX XXXX had violated countless rules and regulations for almost 5 years. However, XXXX has MANAGED to try to cover-up by filing certain documents in the Bankruptcy Court and transferring the servicing and ( supposedly ) removed itself from liabilities. 
My loan originated a XX/XX/XXXX XXXX PASS-THROUGH CERTIFICATE SERIES XX/XX/XXXX-XXXX, modified under HAMP by XXXX in XX/XX/XXXX. 
Thank you for your time. 
Respectfully,
I received a letter from Seneca mortgage in XXXX 2016 that my mortgage was sold to XXXX to be effective XXXX 2016. Later that month I received a letter that it would be effective XXXX 2016. I set up automatic bill pay with XXXX. My mortgage payment of {$2000.00} was deducted from my account by XXXX on XXXX XXXX. Seneca, who no longer owns my loan, also deducted {$2000.00} from my amount. I attempted to contact Seneca customer service. The automatic system said they no longer own my loan and then transferred my call to XXXX.
On XXXX XXXX, XXXX, Wells Fargo Home Mortgage ( Wells ) sent me a letter advising that my HELOC would mature on XXXX XXXX, XXXX. Upon receipt of this letter I contacted Wells, in accordance with the provisions in their letter, to discuss options if I was unable to pay the full balance due at maturity. Through numerous discussions with Wells staff for 18 months I was advised that making monthly payments to them was not an option. I submitted a complaint to this agency in XXXX, XXXX advising of this situation for my attempt to somehow continue to make payments on my HELOC. NOTE : Despite my efforts to establish a payment plan for 4 months prior to my HELOC maturity date, Wells began to aversely report on my HELOC to the credit bureaus. I notified your agency of my dilemma and after your agency intervened Wells then agreed to establish a payment plan with me. I received a modification agreement in XXXX, from Wells after making XXXX trial payments with them. Upon my receipt and review of the modification documents I found the following clause, " Currently I have a past due amount on my Account. The Bank and I agree that if the terms of this Agreement are followed, my Account will not be considered past due from the date of this Agreement on a go forward basis. '' While technically, my loan matured some time ago, I exercised ongoing attempts to avoid an adverse situation on this account. Once the CFPB got involved Wells decided to establish a payment plan with me. I have requested that my credit bureau report ( s ) be corrected to not reflect this adverse information. Especially since I have an impeccable credit record aside from this account. It is my opinion the above described clause in the modification agreement is UNFAIR, particularly in light of the definition of UNFAIR in accordance with its definition in the Unfair, Deceptive, Abusive Acts or Practices Act ( UDAAP ).
THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX MORTGAGE XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX AUTO FINANCE XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX A PLUS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX LENDER XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX RENT GROW XXXX/XXXX/XXXX
I pay my mortgage via autopay every month on the XXXX. XXXX XXXX XXXX showed that it was paid on XXXX/XXXX/15. Caliber did not credit my account until XXXX/XXXX/15. Late charge is accessed in addition to continual harassment of calls and letters demanding payment they already got.
Im having issues about finding out about my 45 % of shared appreciation that I owe my bank even after 30 years paying off my mortgage. Back in 2013 when I couldnt get loan modification from my previous bank and I fall in foreclosure, XXXX XXXX XXXX offer to purchase my house at the market and sell it back to me for 20 % more, I assume that was that profit, I dont recall shared appreciation cost was discuss, its possible but dont remember as I was so desperate to stay in my home with my family. The interest rate is 6.375 %, it will never go down because they dont have refinance options and if u try to sale or refinance thats when u get charge shared appreciation fee and even after 30 years paying your mortgage off u still get charge shared appreciation on what your house it worth so which mean u paying a 30 years rent with no benefits. When I find out about it, they told me that I will get some credit for works that was done in the house then it was no credit, it just nonsense, taking advantage of people on their lowest is just wrong wrong. Hopefully u could help please because I really dont think is fair
36 months ago I leased a truck through US Bank. Last week I paid the balance in full.

When you call XXXX XXXX XXXX XXXX XXXX they claim the loan is closed and I should have the tile in 10-15 days.

When I log in online or call US bank customer service they are still trying to collect and additional {$260.00}. They claim this is just and error to ingnore it.

I dont think Banks should be asking for money the know is not due. A bank should not tell you its an error that they cant fix. The operator went on to tell me that I should be thankful that I dont have automatic payments set up as that takes 2 months to turn off and they will not refund the error for 8 weeks.
On XX/XX/2018, an online payment in the amount of {$100.00} was sent to my checking account at BB & T.

On XX/XX/2018 I received a letter from BB & T Adjustments Department that my account was debit in the amount of {$100.00} onXX/XX/2018. I call the local bank on XX/XX/2018 to express my concerns because I believed that it was an error. BB & T requested a copy of the letter I received. I sent a copy via email on XX/XX/2018. BB & T assured me they would call after researching the issue. On XX/XX/2018 I call an XXXX  number provided on the letter. They told me that the amount that hit my account in error was from a cashier 's check made to another company. I asked where was my online payment of {$100.00}. They said that they did not receive it. I called XXXX XXXX XXXX XXXX ( XXXX  ), the party who sent the online payment. XXXX said that it was sent and they said they would open a case and send it to BB & T. I was able to see the paper trail where XXXX did send out the payment. On XX/XX/2018, I made a visit to the local BB & T and they stated that they did not receive the payment and said that I needed to talk with XXXX. I gave them a copy of the online payment disbursed onXX/XX/18, a call was made but they only verified what I was just told that BB & T had not received the payment. I have received a call and a written notice that may BB & T account has a negative balance and threat to report me to XXXX.
A family member contacted me about a company called SW Credit Systems L.P calling them and Harassing them about an alleged debt owed by me. This family member told them to do not call and they continually call at all hours of the day. I have never personally received any notification of anything from this company to see what they are actually stating as to the alleged debt. Today I received a credit report alert as to a collection added by SW Credit Systems L.P. on my reports specifically  XXXX . Stating nothing but an amount of {$590.00} States   XXXX   XXXX   to which I have never had showing open account as of  XXXX  2017 which never happened. Never received anything from this company in the mail or in any other form whatsoever prior to adding to my reports false information.
Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment $ XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment $ XXXXOpenedXXXX XXXX XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XX/XX/XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XX/XX/XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days lateXX/XX/XXXXClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with Equifax. 
GO TO EQUIFAX Creditor Information XXXX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I applied for a mortgage refinance. I was approved. I went through all the disclosures, paid for an appraisal and submitted all my personal financial documentation. As the loan was getting near the end of the lock-in period the lender representative called me and told me that within the previous month the company put in place an internal policy whereby they no longer do loans of the type I was requesting.
Experian and XXXX  placed a collections XXXXXXXX XXXX   on my credit report without my knowledge or verifying that the debt was mines. I did not receive anything in the mail about this collections.
The original disputes for these accounts were sent out XXXX XXXX, XXXX. The first correspondence from your company stated you reviewed documentation and determined you were not able to use it to make a determination for changes or deletions XXXX XXXX, XXXX. See Attached. Documentation in all disputes contained credit report with account in question circled and letter detailing issue related to it. See Attached. All of these accounts were sent seperately by certified mail on the same day. See Attached. Your correspondence letter indicated all accounts disputed had projected completion dates of XX/XX/XXXX and XX/XX/XXXX, respectively. See Attached. Results from investigations were dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX included : XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Accounts, and XXXX XXXX XXXX. See Attached. 

On XXXX XXXX, XXXX you were sent a certified letter as a followup to the investigation results. See Attached. This letter requested a method of verification for each account verified and notice to delete all accounts not investigated within 30 days. See Attached. On XXXX XXXX, XXXX, I received documents dated XXXX XXXX, XXXX providing additional results for XXXX, XXXX XXXX XXXX and uncompleted XXXX projection date. See Attached. As a result these accounts were not investigated timely. Whether this late response attempts to circumvent the rule, nevertheless it is ineffective due to sufficient record keeping by customer. One further note, after contacting the US Bkpt Ct Ga XXXX concerning accounts # XXXX ; XXXX ; XXXX ; and XXXX, at ( XXXX ) XXXX XXXX no debt validation or otherwise took place as reported by your results. Customer seeks compliance to these enforceable rules.
I purchased a new home in XXXX. Everything as far as the escrow account goes was handled by the lender Imortgage. Well I noticed my payments had changed in XXXX so I called and asked to make sure everything was fine. I was assured that yes, everything was fine and that the payments dropped a little because the taxes went down. She informed me that this can happen with new homes since they often put more in escrow to cushion any tax increases. They then sent me a XXXX dollar check saying that I had paid too much into escrow. That was in XXXX XXXX. Fast forward to XXXX XXXX, I check my bill to pay online, and it says I own {$4000.00}!!! I call and XXXX in customer service told me that the taxes last year were not paid, and that I was paying back the advance they paid. I told her there was no way I could afford this and why did this happened in the first place! Is n't someones job to make sure the escrow is correct! I had called last year to confirm even! I am a new home owner so all of this tax and escrow stuff is pretty foreign to me, so I naively agreed with the rep last year that everything was okay. So now I am here with a XXXX dollar increase to my mortgage payment and that 's the best they can do as the " investigate '' and rerun the analysis.
Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX  I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made onXX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
I HAVE RECENTLY DISCOVERED THAT MY PERSONAL INFORMATION HAS BEEN STOLED AND OPENED FRAUDULENT ACCOUNT WITH WELLS FARGO BANK. I AM A VICTIM OF IDENTITY THEFT AND I DID NOT AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION FOR ANY PURPOSES. I'VE FILED IDENTITY THEFT REPORT WITH FEDERAL TRADE COMMISSION AND SUBMITTED THAT DOCUMENT TO CREDIT BUREAUS AND WELLS FARGO BANK. CREDIT REPORTING AGENCIES REMOVED FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. BUT XXXX  REINSERTED FRAUDULENT ACCOUNT BACK TO MY CREDIT.
I have Never applied for an auto loan with XXXX XXXX, XXXX XXXX XXXX, XXXX  OneMain, XXXX XXXX However, there are two inquiries on my credit report dated for these lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.
After filing online disputes, and calling the Trans Union customer service number to notify them that I was a victim of their agency 's inquiry issues, like many others that had been victimized due to the same issue. 
The rep would not offer to assist in correcting the long list of 40 erroneous inquiries on my credit report.
I have disputed many times in the past but it has not done any good. This company continues to provide inaccurate or outdated information to prospective employers which has limited my employment opportunities. 9 months ago i received a copy of the report that employers get and a couple of weeks ago I saw a report with the same outdated and incorrect information. I have asked for my report and received what i consider a fake copy that is dramatically different from the one employers get. This company has been successfully sued a few years ago for this same practice. Just recently they have settled a lawsuit for the same practice of providing XXXX different reports, XXXX to the employee and XXXX to the employer. The terms of the settlement as far as i understand it is we are to receive a maximum of {$200.00}. This is unacceptable. Last time i received over {$5000.00}, i deserve at least that and more. I can not send a copy of the report because it is too large.