WillisBack/dataset-financial-user-claim huggingface dataset:
I went online to start paying weekly payments to Portfolio Recovery here recently. I made one payment online at their website, and I disputed with the XXXX credit reporting companies to let them know that I was beginning to make payments to all my debt accounts listed on my credit reports. Well, apparently Portfolio Recovery is rhinking that I am disputing the debt. I am not. But, now, I can not log back in to their online payment website with my information, so therefore I am going to miss the next payment which THEY are now telling me is XX/XX/2017. Why ca n't I log in now and pay before this date? I do n't understand why they are giving me a certain date when I told them I will make weekly payments instead of monthly. I guess they did n't like my offer to pay the XXXX dollars back, which was my total XXXX credit limit. That 's fine their offer was a settle amount of {$440.00} or something like that. But, they have a total on the account of {$610.00}. I have made a {$10.00} weekly payment already and I have not received any positive reaction from Portfolio Recovery, and I since then have n't been able to log in their payment website with my information and make another payment since. Also, they have n't reported any payment from me to any of the XXXX credit bureaus. Maybe I should have reported a claim in that class action suit when I received that post card about them being sued.
I had to close my bank account due to fraud commited. I contacted the payday loan company to advise them of my situation and to offer a settlement to close my account. I have attached the supporting email. I have never been contacted back by this company. I received a phone call today from a collections agency, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, New York XXXX Tel : XXXX XXXXXXXXXXXX stating they are going to serve me papers on XXXX/XXXX/2015. I attempted to contact the XXXX company with no response.
I have information that states that Bank of America purchased my mortgage loan from XXXX XXXX XXXX XX/XX/2006. I have filed many complaints and send communications to Bank of America to get all the information regarding this transaction but I have never received any response with said information. All entities keep giving me the runaround which confirms my allegations that no one really knows who owns my mortgage and note and all my documents are fraudulent. I am attaching Debt Validation Letter, QWR, and documents showing Bank of America purchased this loan in hopes that I can finally get some answers. I WANT ANSWERS AND I WANT SOLID CERTIFICATED PROOF OF WHO OWNS MY LOAN.
I had obtained an installment loan with One Main Financial ( formerly known as XXXX ) approximately in XX/XX/2016. Upon default due to hardship, One Main had continuously and repeatedly contacted myself on numerous occasions after reporting my financial status to them. Fortunately, after speaking to a supervisor ( XXXX XXXX ) and informing her my status we were able to come to terms of making an reasonable solution : pay a portion of the balance. While speaking to XXXX XXXX I was able to provide all necessary banking information such as banking account number and routing number, and informing her the timeline of when the money can be debted from my checking account so that the account status can be satisfied. However, on today 's date, I had received once again an unexpected call from a representative from One Main requesting for myself to make a payment over the phone. I had even at XXXX point requested from One Main to cease and assist with phone calls due to stress and aggravation that representatives were afflicting upon me. 
Again, I plan to pay the amount owed on the given day the money becomes available, however, I am asking for assistance from the Federal Trade Commission to stop with unwanted calls as I am construing this as a form of harassment now. 

Thank you for your time into resolving this matter on my behalf.
I applied and received an American Express XXXX XXXX XXXX credit card which promised XXXX bonus points if I spent {$3000.00} within three months. I qualified according to American Express on XXXX XXXX. As of XXXX XXXX I had not received my bonus points. When I inquired they now insisted it takes up to three months to get the bonus points. The exact language of the offer and terms was this : XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6 - 8 weeks after the spend requirement has been reached. This appears to me to be false and misleading representation to entice me to get a credit card. I am also fearful I will never get the bonus points. I think American Express should be sanctioned. I appreciate any help you can give me.
On XX/XX/XXXX I had a conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX wanted to verify my loan with OCWEN and asked why they are no longer reporting to the credit bureaus. OCWEN said they were and it just had not updated. 

On XX/XX/XXXX I had another conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX again wanted to verify my loan and wanted to know why OCWEN had not updated it on my credit report. 

On XX/XX/XXXX I called OCWEN again and spoke with Escalation Manager, XXXX XXXXagent ID # XXXX. I explained to XXXX that I had telephoned XXXX, XXXX and XXXX and none of them have an account from OCWEN. XXXX said she would have her Research Department look into it and follow up with me the following day. 

On XX/XX/XXXX I called OCWEN Ombudsman office and spoke with XXXX XXXX who told me to give XXXX the opportunity to call me back by XX/XX/XXXX. 

On XX/XX/XXXX I called XXXX again several times with no return phone call. I spoke with another Escalation Manager who said the research department investigated and they are reporting to the credit bureaus. I again called the credit bureaus who still did not have an account from OCWEN. 

On XX/XX/XXXX I called OCWEN 's Ombudsman 's office back and spoke with XXXX. XXXX asked me to email him a copy of credit reports to XXXX. I emailed this information immediately at XXXX hours. 

On XX/XX/XXXX I called XXXX back and he said he had just received the information and uploaded the information into their system. I asked XXXX for a timeframe when someone would review and get back to me and he said it could take up to a week. He would call when he knew something. 

It is nearly two months since my initial phone call to OCWEN about why they are no longer reporting my mortgage loan on my credit report. There has been no resolution and no sense of urgency on OCWEN 's behalf to correct the issue.
Received telephone call from EOS CCA at my place of employment. 
Returned call and was advised I owe a debt to XXXX XXXX. I advised in writing to EOS on XXXX/XXXX/2015 that I dispute claim and requested verification of debt because I never received a final bill after my cancellation of service indicating amount owed and for what services they rendered to me to cause my owing the debt. On XXXX/XXXX/2015 I received an alert by email from my credit monitoring service that XXXX potentially negative item was placed on my credit report, which was XXXX XXXX. I am also disputing that negative item with my credit reporting agency. As of the date, I have no response from XXXX XXXX or EOS CCA.
I requested for Equifax to remove about XXXX Hard Credit Inquiries of my report, which were not made by me, i have not received a response from Equifax, nor were the inquiries removed. I also have XXXX different XXXX accounts showing on my credit report, i have never had XXXX different accounts with them and they impact my credit in a negative way
I notified Equifax, XXXX, and XXXX of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.
I recently disputed the accounts with both XXXX credit and XXXX billing due to the companies reporting on my credit XXXX. TransUnion, did not provide me with the dispute information that was returned by the creditors after the 30 days timeframe. After the allotted 30days to report info from these companies, TransUnion still allowed them to updated information to my credit. The beginning balances and account numbers are the same on each account, this is considered duplicate reporting. These companies have also, failed to provided my with documentation stating where the balance is coming from. This company has also, reported information multiple time within a month.
Received robotic phone call message regarding a civil lawsuit being issued and papers to be served at employment address or home if I did not respond within 12 hours of receiving the message. Did not leave a company name or creditor name only that I had some time to call them back and make payment arrangements. Mainly threats about litigation and jail time even though they say 'civil ' at the beginning of the message. I called the number, a woman said they were " XXXX XXXX ''. They buy OLD debt and this was supposedly a debt from 2009 from a XXXX XXXX loan paid to XXXX XXXX Bank. She tried to be very friendly and said wow this is a really old account. I asked her for confirmation of the debt and she said, this was the XXXX level of collection and I had been sent information many times regarding this debt. She said, I see you are on social security which is not true nor have I had a bank account at XXXX XXXX XXXX. She said I needed to make a statement and she needed to record it. I told her no, she needed to confirm her true identity as a collection agency with her license and send me written proof of what she was trying to collect. She said I had already received that so I said then you are not legitimate with the FTC and I am not sending you any money or making a statement. The phone numbers used are XXXX and XXXX.
Today, I received an alert from Trustedid ( free from Equifax ) that I had suspicious activity on my credit report and that I should log in to my acct to see what it is. 

After spending an HOUR tracking this down, I now know that the alert is for the closing of a credit card that was closed in XXXX!! On my Equifax Credit Report, all account names are not listed. Had the name of all the accts on my report been listed along with the beginning numbers, I would have had better insight into tracking this down. 

I got to the bottom of this by retrieving my XXXX credit report, matching up the account number with an account on my Equifax report for which the name was missing. Then, with account name matched to account number, I was able to match it up with the alert I received. So an account that was closed in XX/XX/XXXXwas just yesterday updated at Equifax. 

Given this extreme and unacceptable delay in processing information ( nearly a decade late ), I can see how this firm was hacked. Unless there is some reasonable explanation for this kind of delay. I just do n't know. 

Another issue with Equifax credit report : on mine, it lists all kinds of accounts, most of them closed, but the report does not state that they are closed. XXXX, in comparison, states that they are closed and gives the date. 

What I really want is to opt out of having any and ALL of my information stored or shared by anyone, forever! This should be my choice. This is my information, and I should not have to be put through all this mess. If I ever do decide I want credit, I will do the work to obtain information that is needed, in writing, the long way. This should be my choice. I have saved money and worked all my life, and I do not want to have to spend the rest of my days looking over my shoulder, and creating yet another login to keep track of, all because I am not given the option to NOT allow my information to be stored by these credit reporting agencies. I have a feeling this is not so simple, and genie can never be put back in the bottle. But this is so wrong.
I applied to switch from one income-based repayment plan to another ( IBR to REPAYE ). I applied to switch to REPAYE as soon as it was made available in XXXX XXXX. My application was not processed for months. It took 6 months for my application to be approved. FedLoan Servicing said there was a backlog because many other customers applied for the new REPAYE program. However, the representatives noted that my wait time for processing was excessive. I have been in Administrative Forbearance during this time, while my interest is accruing on my loans. I have had to make over 20 phone calls to FedLoan Servicing from XXXX XXXX to XXXX XXXX to get switched over to the new REPAYE repayment plan.
that I can get resolution to a misrepresentation of myself by my former company United Security Financial Corp. 

I do not know the complaint ID, nor was I privy to any of the dates that this complaint was submitted but I was informed that a CFPB complaint was issued against United Security Financial Corp by a borrower named XXXX XXXX. The complaint was in reference to a refinance that I was the loan officer on. I have since discontinued my employment with them. XXXX XXXX issued her complaint due to United Security Financials unwillingness to provide payment for an appraisal that was promised to her by a branch manager at that time. The branch manager also no longer works for United Security Financial. 

I was contacted by XXXX XXXX on Friday XXXX XXXX, 2016. She stated that " XXXX of my old borrowers submitted a complaint '' XXXX could not tell me the name of the borrower at that time. Through her explanation of the complaint issued I assumed it was XXXX XXXX. XXXX stated that XXXX was seeking money for the appraisal as promised. I told XXXX that I was not the individual who made that promise to XXXX XXXX but I would look through my emails and correspondence with her to see if I could help both parties come to a resolution. We agreed that we would get back in touch after the weekend and then I received the below email from XXXX. ( please note that XXXX wrote me this email using the Subject header of a previous email exchange ) From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2016 XXXX PM To : XXXX XXXX XXXXXXXXXXXX Subject : RE : VERIFICATION OF EMPLOYMENT REQUEST This is our response : Finally, XXXX XXXX XXXX alleges that she was promised she would get an appraisal fee back. USF had no knowledge of this promise. XXXX XXXX did not pay for the appraisal in advance, but did pay for the appraisal as part of the closing. No one, XXXX or XXXX XXXX, disputed the charge at closing. This allegation was not raised until well after the loan was closed, funded, and disbursed. 
USF has reached out to the loan officer, XXXX XXXX who is no longer employed by the company, to see if he had any knowledge of this promise. It is the opinion of USF, that this loan officer and customer have a long standing relationship. XXXX XXXX has agreed to pay them for the appraisal to resolve the issue. 



Best Regards, XXXX XXXX This response to the complaint provided by United Security Financial holds many fabrications and misleading information. The opinion of USF that XXXX XXXX and I had a long standing relationship is untrue. She was referred to me by another individual whom I was helping refinance their home as well. Furthermore, I never agreed to pay for the appraisal to resolve the issue. 

I would love to get in touch to find out what action I can take in order to clear my name on this complaint and dispute the facts represented by United Security Financial. Please reach out via email, telephone at any of the numbers listed below. 

Thank you very much, Sincerely, XXXX XXXX
On XX/XX/XXXX, this company named XXXX signed for an letter that I sent certified with a return receipt asking for proof that an amount they say I owed in the amount of {$650.00} that i found on my credit report. I do not owe this to this company and I'm asking for help in getting proof that XXXX has a contract bearing my signature, which I know it does not. I am still waiting for the contract with them as of XX/XX/XXXX. The only thing they sent was a letter saying my claim was frivolous. If they have a contract they can send it the same way they sent me a letter saying it was frivolous. This is an account from XXXX that I know nothing of.
XXXX continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my XXXX credit file and it was reinserted without my knowledge. The information still has not been validated or verified by XXXX, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company Portfolio Recovery Associates is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things XXXX, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
We closed on a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, 1999. It has been brought to our attention that we were given false Title Insurance Papers fromFidelity National Title Insurance . They did not do a title search on property .
XX/XX/18 Chase Called company to undo the over draft fees, stated they couldn't and wouldnt. 
I went under {$5.00} due to charges not being processed same day or same week. 
I was charged XXXX for over draft which put me at XXXX and charge again for over draft when I got drafted those XXXX, happened 3 times.
In XX/XX/XXXX I was approved for and received my American Express Platinum card. I began using it and eventually reached a spending threshold which awarded me XXXX of their Membership Rewards ( R ) Points, as promised. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I now have, as the time of this writing, XXXX points and my Membership Rewards ( R ) Program Number ends in XXXX. My credit card ends in XXXX. I have been a customer of American Express for decades and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 

These points can be used to transfer to airlines or other services for travel or commerce. Onoe is supposed to be able to simply link the American Express account online with other listed programs such as airline accounts, etc, and then make an online transfer after filling in their online forms. In XX/XX/XXXX I tried to do an online transfer of XXXX of my points and received the following error online : " Unable to process your request We are unable to complete your order. Please do not attempt to resubmit the order, as this will only delay the process. Please contact us at XXXX between XXXX and XXXX ET, Sunday through Saturday. '' I called American Express and spent no less than 45 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that some accounts are being reviewed at the corporate level, and the points would be available " soon. '' She could not tell me anything else. I waited. Today I tried to transfer XXXX MR points to one of my linked accounts online and got the same error. It also came with error code : code : XXXX. Online chat is unable to help, further phone calls will result in longer waiting and no real answers, and in the meantime, my points, which I properly earned, can not be used. Why are they in my account if they can not be used? I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. As well, a friend of mine from another state is also having it happen to him and his wife, so many people -- not just me -- are having their points held up by American Express and that is help money! 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?
contacted Experian by mail XX/XX/XXXX about disputing a Bankruptcy on my credit report. They sent me the results on XX/XX/XXXX. I also called Experian on XX/XX/XXXX and spoke with XXXX XXXX he informed me that there verification for public records is through a third party company which is XXXX that the courts use. At first he said I would have to contact the courts after further questions he finally gave me the company name that they use. I then informed him that i have contacted the company that they use and they could not verify the information, and also XXXX uses XXXX and they could not verify the information as you can see i have attached documentation to support.
We entered into an agreement with our servicer on new payment terms for our mortgage through email with our attorney and their attorney. The servicer agreed to adjust our interest rate, reduce the unpaid principal balance, adjust our monthly payment amount, correct our property address and offered us a settlement amount of {$18000.00} in exchange for us dropping our law suit against the servicer with prejudice. The servicer than produced a formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) that provided language that we did not agree to. There was also an issue on who " relevant parties '' are regarding the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ). We exchanged emails with the servicer 's attorney to change the language in these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), but the attorney did not agree to changing the language and told us if we did not sign these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we would not have an agreement. The CFPB has found that these agreements are not required for the servicer to grant homeowners a loan modification. The servicer is now attempting to foreclose on our home because they will not grant us a loan modification without signing these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) and never adjusted our interest rate, unpaid principal balance, monthly payment amount, corrected our property address and did not pay the settlement amount of {$18000.00}. As part of the agreement, we had to non-suit our lawsuit with the servicer with prejudice. Since the servicer 's attorney informed us that there is not an agreement if we did not sign the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we non-suited our lawsuit without prejudice. The servicer 's attorney filed a motion to get the judge to force us to honor the agreement and changed our non-suit to with prejudice. We did appeal the trial court 's decision and the appellate court ruled we did have a valid Rule XXXX agreement but that the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) exceeded the scope of the Rule XXXX agreement. The servicer has still not provided us a loan modification as agreed and plans to proceed with the foreclosure. The servicer had posted our home for foreclosure sale on XXXX/XXXX/2016, but we filed a temporary restraining order. That TRO expired on XXXX/XXXX/2016. Our home has now been listed for foreclosure sale for XXXX/XXXX/16.