WillisBack/dataset-financial-user-claim huggingface dataset:
We refinanced our home in XXXX. The mortgage was paid off by XXXX XXXX. Our previous mortgage holder was Nationstar Mortgage. Nationstar paid to XXXX XXXX insurance our premium for the year before it was due, and while we were in the process of refinancing, we also switched from XXXX XXXX to XXXX XXXX insurance. XXXX XXXX refunded to Nationstar our premium of {$490.00}, however Nationstar refuses to refund to us the {$490.00}. Instead, they sent us the attached letter stating " We can confirm that a refund in the amount of {$490.00} is available to XXXX XXXX XXXX for prepayment made. You may need to request XXXX XXXX XXXX to obtain any refund. '' We have not been able to find a company called XXXX XXXX XXXX. On the XXXX of XXXX, I spoke with XXXX at Nationstar. She gave me her supposed phone number XXXX, which I have repeatedly called and at which I have left voicemail with no return calls. When I spoke with XXXX on the XXXX of XXXX, she assured me that a check for {$490.00} was being " expedited, '' and that we would receive it in " 14 business days or less. '' The attached letter dated XXXX XXXX, XXXX RE : Research Reference # XXXX, contradicts XXXX 's promise. We do NOT have the disposable income to be able to afford losing nearly {$500.00} - we were assured, in the refinancing process, that our escrow would be refunded to us and that it would be available for making our first new mortgage payment, which was clearly untrue. We are distressed in the extreme, losing sleep and worried about making ends meet. Our lawyer has advised us to continue registering complaints with the Consumer Financial Protection Bureau ( you ).  Thank you for your assistance.
I was the victim of identity theft ( I have police report showing my credit cards, Driver 's license, bank cards, and checks were stolen to make fraudulent charges and a copy of the legal judgement proving the person who stole my identity plead guilty and was convicted of Identity Theft, XXXX XXXX, a Class C Felony ). I have found that Portfolio Recovery Associates is reporting an account to all 3 bureaus and each copy of my credit report lists different information. One report lists Portfolio Recovery as reporting as an open collection account while reporting to another credit reporting agency as a closed collection account. Portfolio Recovery Associates is reporting as and account with a term of 0 to one reporting agency and are reporting the same account to a different credit reporting agency as a term of 1 month. Portfolio Recover Associates is reporting to one credit reporting agency with no account number while a partial account number is reported to the other 2 credit reporting agencies. Portfolio Recover Associates is reporting to one credit reporting agency as an Other Account ( Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements. This same report lists zero collection accounts. Since Portfolio Recovery Associates is reporting differently to each of the credit bureaus ( XXXX, XXXX, and XXXX ) differently I am unable to identify this account or the claimed balance owed as mine threfore I disputed this account with all 3 credit bureaus ( XXXX, XXXX, and XXXX ) on XX/XX/2018. On XX/XX/2018 Portfolio Recovery Associates changed the remark on my XXXX credit report as " Consumer disputes - reinvestigation in progress Collection Account '' but have yes to change the remarks to the other two major credit bureau XXXX and XXXX. Today XX/XX/2018 I received a call from ( XXXX ) XXXX. When I called the number back it was Portfolio Recovery Associates. I was surprised to receive a call from them as they have received the dispute and have attempted to contact me anyways. According to the CFPB website " Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you ''. This debt is still being re-investigated and no verification has been provided to me or XXXX, XXXX, or XXXX. I have attached copies of my credit reports from XXXX, XXXX, and XXXX, a copy of the police report and judgement proving identity theft took place, a copy showing the updated remark to my XXXX report showing this account is disputed with today 's date, as well as a proof of the call I received today while this account is currently in dispute.
MY XXXX XXXX  credit card was expired. I don ' 't need to renew my credit card. However, the company continue to late charges. I never use the credit card and not owe any amount of money.
On XX/XX/2018. I filed a fraud claim with citibank for the amount of {$310.00}. I was told i would receive a provisional credit within 10 days. I never received it. On XX/XX/XXXX they told me that my claim was approved and i needed to wait an additional 10 days for my credit appear. Today is XX/XX/2018 and i still have not received my credit.
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and XXXX aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
My complaint is with Sallie Mae. Sallie Mae did an unauthorized credit search on myself and my co-signer on the XXXX XXXX and XXXX XXXX. Sallie Mae did not have are permission to run are credit. We were working to get a settlement with the company to pay back a personal school loan. And being that the payment was late because we were in dicussion with Sallie Mae. They reported it to the crediting reporting companies. Due to this happening. This has lowered my credit rating and my co-signers.
On XX/XX/2017 I received a voice message for an agent ofHaris & Harris about a debt they claimed I owed. I did not recognize the company or any debt I could owe to them. I checked my credit report and it listed negative information. I sent the company a letter requesting information and have not gotten any responsive
I originally had bought a condo here in XXXX in XX/XX/XXXX with an interest only 80/20 loan. The 80 % was a 5-yr ARM and the 20 % was a Heloc. I had used a loan officer in XX/XX/XXXX to deal with the bank at the time ( XXXX was first then XXXX then XXXX XXXX XXXX and now XXXX ) which was XXXX XXXX XXXX. They told us no as I did not qualify for any programs at the time even tho I was never late and had high credit score. At 5-yrs I contacted them myself to same end. Then with the rates so low it adjusted in half and continued to remain low with each adjustment at every 6 months. Then I retired in XXXX XXXX and in XXXX of this yr they sent letter saying they were charging me XXXX dollars each month towards principal along with the continuing XXXX plus dollars interest. I have paid at least XXXX dollars interest only on the loan. I called them after receiving the letter only to be told i had XXXX options. Lower rate which I was already at lowest or extend term of loan but that it would cause me to have higher rate which would wash out savings. So they told me to best stay at where I was. I paid the principal only for XXXX then just stopped paying both banks, XXXX and Chase. I know XXXX has several lawsuits against them thus far. No harrassment as of yet, but My loan is going into default then foreclosure soon. I am contemplating seriously Chapter XXXX Bankrupcy. My credit was at XXXX plus or minus til this month.
In XXXX of 2015 I took out a loan on a 18 month contract. They have been deducting {$110.00} every month for the past 16 months. There was a balance of XXXX payments. I got a letter that XXXX payments were due. I sent them a letter that are not permitted to debit my account any more. I have various letters from them stating that I owe them XXXX payments. I have ask them in several letters to show me where I owe XXXX payments. The last payment would have been deducted in XXXX of 2015. I have a contract that states the begin date and the end date. They never answer me they keep sending me a bill. The last letter I received, the stated that they have been trying to contact me at a phone number in XXXX. I have lived in XXXX for 20 years. My phone number is on the contract. I understand that I owe them XXXX payments, they will never answer my letters explaining why I owe them XXXX payments. I have letters they have sent me and my responses.
After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
I have tried to obtain a report from the agency to dispute this information. While I can obtain it on XXXX XXXX and XXXX, I can not get it from the agencies themselves to dispute the information. I have sent it in writing to the agencies, however I have not received a response nor have the issues been corrected.
I lost my job on XXXX XXXX. as a result I was 4 months behind on making my payment. I communicated every month with Capital One each step. I found employment and advised them I would make a payment on XXXX XXXX, due to I get paid once a month on the XXXX of each month. I later advised I would call the following Monday and verify my true pay date, because the XXXX fell on a weekend. I called and confirmed I would pay on the XXXX. It was also during this call that I was advised that I my next XXXX payments would be the amount XXXX plus XXXX half of XXXX payment to keep my account current. XXXX a total of XXXX. I believed everything was in order. However this is when the issues first started. After I made the arrangement to pay the double payment. I started getting excessive calls from the company. I would thank them and repeat to them to please look at the notes on the account. each time, the phone collectors would agree they see the notes. Yet this inconsistency started. XXXX agent told me that I would have to agree to allow them to set up a payment arrangement on the account. I said no problem. However, they also informed me at that time, I had to make the payment within a XXXX day window due to their system would n't allow me to make a payment arrangement. Again, no problem. I informed them I would call back on XXXX XXXX or XXXX to make the agreement. Yet. I still continued to get calls. asking if I was prepared to make the payment. No one seemed to be aware of the payment arrangement unless I brought it up. Finally, I received XXXX call from an agent who was very rude. He informed me that I had to secure the payment ( basically I had to give them my payment information over the phone and they would debit the account on the XXXX of XXXX XXXX. He stated that my account would be going into foreclosure. And if I went into foreclosure the department may request all the money due at XXXX time. I explained to him, I was doing as I was told and waiting for the XXXX of the month to call and make the arrangement. However, I did n't want my account to go into foreclosure so I agreed and allowed him to take the secure payment over the phone. 
Since that time, I have been told that my agreement to pay XXXX was not valid, I was not XXXX months behind. I was four months and would need to pay XXXX for the next four months to be current. I again, agreed to the XXXX. Only to continue with calls reminding me of the balance I owe on the account. And that no agreement is on the account unless I can secure a payment. So here we go again. Today, I spoke with an agent who told me I owe XXXX ( this is only two months behind. Confused, so why am I having to pay XXXX for the next four months if I 'm only two months behind? This is very stressful, the inconsistency is not ideal for any business practice. If the agents do not know the correct process, why should I the consumer have to be frustrated during the process! I have spoke to countless agents on the account, some seemed to be understanding while others are trying to pressure me into securing a payment.
ID THEFT HIPPA, CRA INACCURATE INFORMATION AFFIDAVIT OF FACT
We contacted PHH Mortgage, our loan company ( and several others ) to request a refinance of our loan on our primary residence. Our current loan is {$550000.00}, 30 year ARM at 3.5 %. We intend to pay down the loan with cash from a house we sold in XX/XX/XXXX. 
The new loan would be {$190000.00} for 15 years, and after completion of loan application we were informed that we were locked in at a rate of 2.875 % After several days we did not hear back from PHH, I called to inquire when we would need to provide various documents to complete the loan process. At that time I was informed that due an error on PHHs part the rate did not get locked in and now it would be 3 %. 
I thought this type of " bait and switch '' practice was illegal, but apparently the practice has not discontinued. 
Here is the contact info. 
PHH Mortgage XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Loan ID XXXX
I've been off from work with and work injury to my arm since XX/XX/2018. 
I've requested a mortgage modification because I'm unable to work. 
I don't want to loose my home. Also documents from my mortgage company show XXXX XXXX name. We are divorced and she signed a Quit claim deed to be removed from the deed. XXXX XXXX is still reflecting her on the deed. She was never on the note and the loan was acquired in my name. Also I received notice of service transfer from Regions stating the new servicer and the new servicer would not be recorded. Please record the deed and record all papers pertaining to my mortgage
hello, for security reasons when my phone was stolen coinbase closed my account - however afterwards - i have asked for it to re-enabled and their support says they are working on it and its been over a week. 

please i am concerned they are not going to give me access and i just wish to access my account asap/
I have had aXXXX XXXX XXXX card from Capital One for several years. Yesterday, I was unable to use it. I called them this morning and was told there had been a questionable charge so they put a hold on my account. They had written me about that questionable charge and I responded that it was all right. They made no attempt to let me know they were still keeping a hold on my account. When I spoke to a representative this morning, she said I had to send a copy of my social security card. ( I am XXXX years old ; I lost my social security card 50 years ago, as did most people. ) I asked for an alternative ; she said there was none. I have to send them a copy of my social security number. I asked to speak to a supervisor. She put me on hold and after about 10 minutes, I was cut off. I called again and got another representative who was no more helpful than the first and offered me no alternative to sending my social security card. 

This account gives points, and I have XXXX points. I don't want to lose them. Neither representative would answer my question about the points. They say my account will remain on hold until I send them my social security card. I live in XXXX Getting a duplicate send to me and then sent to Capital One would take a couple of months. 

I am stuck. There is nothing I can do. I have to pay them what I owe them now and I don't know what will happen to my points. And I can't use the card. Please help
I bought a new Toyota Tacoma from XXXX XXXX in XXXX. My bank approved me for a loan for 2.49 %. I went to the dealer to close the deal I was with the finance person. They said Bank of America matched the loan amount of 2.49 % and that I was already approved and could get my vehicle now instead of waiting for 2-3 for the bank loan to clear. Then I was hit with high pressure misleading warranties to add on. I said I was not interested the pressure and the assurance that total vehicle protection was offered and that it only raised my payment slightly, but I had to make a decision right then and there to take the warranties to add them to the financing, I was hesitant as the the pressure tactics were fast aggressive, and very vague. I was told if I did not take the warranties now I would have to pay higher cost later and would not be able to finance them. They finance agant at XXXX said that the BoA agent she was online with dropped my financing to 1.79 %, so I took the warrranties. A few weeks later, I took the vehicle in for service and was told the items I was claiming under the protection package was not covered after I was told it was before I accepted them. To make a long story short, they refunded my money but refuse to talk with me or address my items that they said they would not cover.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I have a mortgage with Select Portfolio Servicing which Is paid on time and current. I had a fire in my home on XXXX XXXX, 2016. The insurance company issued a check in the amount of {$24000.00} which was made out to myself and the above Bank. I signed the check and sent it to the Bank on XXXX XXXX, 2016. I had all the paperwork they required signed by the contractor expressed mailed back to them on XXXX XXXX, 2016 they told me they received it and I would receive a check for the full amount of $ XXXXand would be mailed out in 5 business days and the mail would then take 10 business days to get to me. I called after the 10 business days and they said they never cut the check and again I would have to wait this 15 business day period bringing me now into XXXX. They have been holding my insurance check since XXXX now to XXXX. This is a rental apartment so I am losing 3 months rent which does n't seem to matter to them. I am a XXXX yr old widow and If I was 3 months late on my mortgage I would be in pre-foreclosure. Is there something you can do to them to make them overnight my money which I stressed to them I wanted done and they said I still have to wait an additional 5 business days before they could even cut the check. 
My account number at Select Portfolio Servicing is XXXX. Property address is XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. 
My mailing address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, phone XXXX XXXX
Im contacting you based on a letter I received from  Convergent for a  bill they claimed I owed to  XXXX   XXXX . I spoke with Convergent after receiving their first letter. They told me I owed {$60.00} for an early disconnection fee and {$18.00} for the cost of shipping the equipment back. I gave Convergent my debit card and told them I would pay {$60.00} for the early termination fee as I did close my account with  XXXX   XXXX  early but I dont agree with the return shipping charges. Simply put if  XXXX   XXXX  wanted me to pay the shipping cost of returning equipment why would they send me a box that had shipping prepaid? When I opened my account with  XXXX  I also dont remember agreeing to this as well. I explained this to Convergent when I paid the early termination fee so I dont understand why they would send me a letter stating their investigation process will not begin until I provide more information. I dont understand why I have to prove I owe this! Doesnt Convergent need to prove I owe this debt if I believe it to be invalid? I do n't understand why my conversation over the phone was not sufficient to dispute the debt.     Thank you for your help in this matter,
Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors representatives. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX