WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Hospital told me am underneath the Economic Hardship program and the debt its not owed in this amount Optimun Outcomes INC is asking.
I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, Santander Consumer on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and so on.
XXXX unauthorized changes made on XXXX XXXX XXXX XXXX. Received a statement form Credit Card Company in XXXX XXXX showing a {$0.00} balance. All XXXX XXXX XXXX cards and accounts closed XX/XX/XXXX. XXXX reference # XXXX ( XXXX ). Complaint # XXXX. Thank you for your time XXXX XXXX.
I have a XXXX XXXX XXXX that was in repo but I got it back and paid off my car. I 've been having my car since 2006. It 's still on my credit report and shows the repo still. When I paid off my car I was told I could get the repo removed once I paid off the title. It 's still there. I need someone to update all of my credit reports and remove this old loan as it is hard to get anything with this showing.
I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself  ). I d isputed it on Transunion Dispute and reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company,  XXXX , and told customer service that the charge on that account was fraudulen t (   XXXX  charge for  XXXX   ),  so she turned off the account and anyone authorized users, and marked the transactions as fraudulent.
M & T Bank attempted to foreclose on my family 's property. I believe that the fees, legal expenses, and interest were excessive and the accounting inaccurate. My family hired an attorney to fight these charges and avoid foreclosure. The bank made no effort to correct its fees. 
On XXXX, XXXX, XXXX, I paid off the entire amount of {$61000.00} to avoid the foreclosure. 
With the foreclosure stopped, I reached out to M & T Bank about the excessive fees. 
M & T Bank agreed that some of the fees were excessive and issued a refund check in the amount of {$1300.00} in the name of a deceased relative who has not owned the property since XXXX. The check can not be cashed, as the estate of the relative has been dissolved. 
I contacted M & T Bank to re-issue the check in my name, As I had paid off the mortgage. I also indicated that it would be acceptable to issue the check in the Name of XXXX XXXX, who was the current owner and who was also named in the Foreclosure lawsuit. 
M & T Bank refused to re-issue the check, nor would they consider refunding any additional fees. 
I want the CFPB to examine all of the fees charged and instruct M & T Bank to refund all of the fees in a check that is written to an actual, living person. The check can be made out to me, XXXX XXXX XXXX, as I paid off the mortgage and now own the property or it can be made out to XXXX XXXX, who was a party named in the foreclosure lawsuit, and who owned the property during the foreclosure process. 
I have attached copies of the original payoff letter with the breakdown of fees, and deeds showing the chain of ownership. 

The
In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.
We closed on our mortgage with XXXXXXXX XXXX  XXXX XXXX, and immediately we started receiving dozens of notices each week trying to trick us into completing a credit life product application. The notices come in red or pink to make it look as if we have missed something with our loan and are marked " Urgent! ", but this all began before the first payment was even to begin. We contacted the mortgage customer service department, even speaking with a supervisor who tried making excuses about the products being sent to us. We took ourselves opted out of prescreening long ago so we no longer receive these type of offers, and eventually the supervisor admitted it was Stifel who provided our information to third parties to solicit credit life products. She then assured us that we would no longer receive the offers as she would remove us from the list, but several weeks later we are still receiving dozens of offers every week. Our loan isn't even with Stifel anymore ( transferred before the first payment was even due ), and we are still receiving dozens of offers every week regarding our Stifel loan ( which we don't even have anymore ). This is absolutely not anything we ever signed up for ; just because we closed on a home does not mean we want the details of our mortgage shared with third parties. And the way the solicitations come is probably barely legal as it's difficult to identify the purpose of the " urgent notice ''.
XXXX   XXXX   XXXX   SENT ME AN EMAIL STATING THAT DUE TO THEIR INACCURACIES THEY WOULD BE REMOVING A NEGATI  E  ITEM FROM MY REPORT, THAT NEVER  SHOUL DHAVE  BEEN THERE. I HAD MOVED, CALLEDC THEM, AND THEY NEVER CHANGED THE ADDRESS. I THEN SPOKE  WIOTH  THEM THROUGH PHONE AND EMAIL AND THEY RECTIFIED THE PROBLEM, RMOVING IT FROM MY CRED IT REPORT. IT HAS NOW RE-APPEARED MULTIPLE TIMES, SAYING SOMETHING ABOUT ME DISPUTING, WHICH I NEVER DID, THE INFORMATION IS COMPLETELY INACCURATE AND I HVA EPROOF THEY LIED ABOUT REMOVING IT. THIS IS A CLOSED ACCOUNT THAT WAS NEVER NEGATIVE AND THEY PROMISED TO REMOVE AND DID, ONLY TO HAVE IT RE-AOPPOEAR AGAIN.
I have a loan modification loan for the past 2 or 3 years and i was told that it has taken care of the second on the loan also. i have not seen any negative statements on my credit file concerning this matter. Now i have been sent a letter o notice of default and intent to accelerate against me on my home. it says total payments due for 87 months XX/XX/2008. the principle is XXXX and interest is XXXXlate charges XXXX. I have no idea about any of this claim. all i know is that i had a loan modification and only XXXX bill to pay because it was taken care of by the loan modification.
I sent a dispute to Experian XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery.
I NEEDED HELP WITH MY MORTGAGE PAYMENT. I APPLIED FOR ASSISTANCE IN XXXX XXXX. NO WRITTEN DECISION HAS BEEN ISSUED BY MY SERVICER, NATIONSTAR. INSTEAD THEY HAVE SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/XXXX. AFTER SEVERAL MONTHS OF REVIEWING MY FILE THEY MAKE THE CLAIM THAT THEY ARE MISSING PAGES XXXX OF THE REQUEST FOR MORTGAGE ASSISTANCE APPLICATION. NATIONSTAR IS EITHER AN EXTREMELY SLOW READER OR THEY HAVE NO REAL INTENTION OF PROCESSING MORTGAGE ASSISTANCE REQUESTS.
Case Number # XXXX XXXX. Well back on XX/XX/XXXX I sent a letter to the Bankruptcy Courts telling them I recently disputed information that was on my credit report that is not reporting accurately. They stated that they have verified the information, and have informed me i need to contact the Furnisher of the information. So I requested that they send me their procedure for verifying information with the credit bureaus. Per the FCRA623 ( a ) ( 5 ) : '' If the Credit Bureau can not Validate the information with the Original Creditor, they must remove said information from the consumer credit file ''. On XX/XX/XXXX the Courts mailed me a letter which emphatically stated that they do Not provide any information to credit reporting agencies, nor do they validate and/or confirm public records. It is the Credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is Never validated by the Recorder of Deeds nor the U.S. Courts system due to the Fair Credit Reporting Act do to PRIVACY LAW. My inquiry to the U.S. Bankruptcy Courts confirmed the Equifax Credit Bureau has Never validated or verified these public records entries on my credit report, neither will they ever be by them. On XX/XX/XXXX I wrote a letter to XXXX with the same information from the courts. On XX/XX/XXXX XXXX wrote back that they deleted from my file case # XXXX, so I wrote Equifax, XXXX and XXXX that XXXX XXXX had deleted all and everything with the Bankruptcy on their file. So I disputed it with all XXXX Credit Bureau and they all come by saiding they verified that account with XXXX XXXX. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1. Defamation, 2. Negligent Enhancement of Identity frauds 3. Violation of the Fair Credit Reporting Act.
Penn Credit Corporation is a third party collection agency who collects for online Pay Day loans. 

XXXX is the phone number that belongs to the collection agency. They have been calling me at work non stop 3-4 time per day. Same as my cell phone. The do n't leave a message but my business phone is being tied up when they are calling me. 

The even try calling from an unknown phone number that shows no caller ID and even use their personal cell phones to get me to respond. I may be filing bankruptcy and this harassment has got to stop. I have them blocked on my cell phone but I can not block them from my work phone.
I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with Equifax placing an unauthorized fraud alert on my credit report and sending the same request to XXXX  and XXXX. After my last letter, my Equifax scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.
My XXXX XXXX XXXX XXXX was used by someone I do not know to purchase airline tickets. After sending in an affidavit stating that this was an unauthorized charge, the company rejected my fraud claim.
why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
I Do n't Know What They Talking About They Said I Have More Then One Account I Told Them I Have Only One Account They Lied And Somebody I Spoke With tonight Name Atas Got A Nasty Attitude Some I Am Filing Another Complaint Because They Said I Ca n't Use They Service No More But They Have My SSN Bank Account And Credit Card Information On File And Wo n't Take It Off And I Ca n't Use Their Services No More
XXXX XXXX I leased a XXXX Jeep Wrangler from XXXX XXXX in XXXX, XXXX. The lease was through Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I went to XXXX XXXX in XXXX and traded my Jeep for the Honda. Ally gave me a lease buyout figure of XXXX. I made the deal with XXXX and left with the Honda. The next morning I get a call from the XXXX dealer telling me Ally told them they have to pay XXXX to pay off the vehicle. They said the XXXX number was only for me if I bought the vehicle. Needless to say I had to give the Honda back and come back to XXXX with my Jeep. Ally also told the XXXX dealer that I had to take the XXXX back to the dealer I got it from, XXXX, for the payoff to be the same as what it would be for me. XXXX said they would give me a check to payoff the vehicle then when I got the title I could give it to them. Ally told them I could n't do that. 
So, I came back to XXXX, went to XXXX XXXX ( since they said the payoff would be the same for them ) picked out another vehicle, made the deal and AGAIN Ally says the XXXX payoff was only for me. XXXX would have to pay XXXX??? I came home and went to XXXX because we were told their payoff would be the same as mine. Now, again, I could n't get the vehicle because of Ally. I 've read my contract over and over and nowhere does it say they can do this. Is this even legal?
Attached to this complaint is a copy of a debt validation notice we received on  XXXX   XXXX ,   XXXX  , and dated  XXXX   XXXX ,   XXXX  , from the debt collection law firm of  XXXX   XXXX  in  XXXX  WA.     We dispute the validity of the debt identified in the notice and we will be sending a formal debt validation request and dispute letter directly to  XXXX   XXXX  within t he 30-day period of receiv ing this notice.  XXXX   XXXX  should cease and desist all collection activity and threats of judicial foreclosure until they have validated a debt, provide proof of creditor status and provide a complete accounting of all individual amounts, which would include any  3rd  party payments made towards this loan from obligors and other parties. Evidence of any electronic transfers of the note should be provided as well to establish who is entitled to receive payments.     The notice is a threat to deprive of our property with the statement, Even though the judicial foreclosure process is being commenced and may proceed during the 30-day period In this notice,  XXXX   XXXX  provides a false statement that BANK OF  AMERICA, N.A. ( BANA ) , is the current creditor to whom the debt/loan is owed.   BANA has never extended credit to us and has no economic interest in promissory note. BANA is only a servicer debt collector.
In a previous notice ( attached with this complaint ) sent to us by BANA, th  ey stated that  XXXX   XXXX   XXXX   XXXX   XXXX  was the creditor to whom the debt was owed.      XXXX   XXXX  and   BANA are violating the FDCPA that they must comply with.
BANA   is not a creditor per the FDCPA http : //www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm   803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
http : //www.ftc.gov/os/statutes/fdcpa/commentary.shtm Section 803 ( 4 ) defines " creditor '' as " any person who offers or extends credit creating a debt or to whom a debt is owed. '' However, the definition excludes a party who " receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 1. General. The definition includes the party that actually extended credit or became the obligee on an account in the normal course of business, and excludes [ 53 Fed. Reg. 50102 ] a party that was assigned a delinquent debt only for collection purposes.
I tried to get an copy through Equifax but everytime it tells me that the information is invalid. I sent in an copy of my driver license to Equifax and they still do not have my information correct nor am I able to even get online line to dispute anything. I have no problems with the XXXX or XXXX, just Equifax. Every year its a problem and it is not fixed yet and the information is outdated and not up to date and the reason I know is because of the low credit score that I have with them.
1. Loan service company has failed to adjust the loan at the time of debt reduction court ordered see doc 338.

2. loan service company failed to correct payment amount to match new agreement in XXXX see loan history statement. 
3. loan service company failed in XXXX to apply 2 payments that were in compliance with the new agreement. 
4. XXXX loan service company purchased forced placed insurance on the property while the property was under a federal stay. The service should of ask the court for the insurance it was on file in the federal bankruptcy court 5. Loan service company adds escrow account for insurance on the loan without a petition to the court and then added the debt to the balance to the loan. this is a violation of the law FDCPA and Bankruptcy code. 
6. Loan service company has now added the discharged debt of the loan to the payoff trying to collect a discharged debt. see Exhibit Shellpoint Notice
I had an account with them that i noticed was combined with another bill i called and asked for the bills to be no longer combined they did that but then turned around and charged me XXXX for service i was still using at the time. stating that they are charging me for two bills which i had paid while using the service. It is very confusing how they are explaining to me the charges and i want to report them
I contacted the the corporate office at XXXX XXXX XXXX XX/XX/XXXX, I asked them to send me statements to validate dates and amount of my credit card account which is reported to the CRAs incorrectly. They sent me a copy of a contract instead. The amount of the charge off on my credit report is incorrect. The payment history is also incorrect. It looks as if the account is still not 7 years old when in fact it is already over 7 years and should not be reported anymore. I would have taken care of this debt a long time ago but they will not give me the correct balance or statements to show how the balance went over 700 dollars. 

Here is what they done. I had a XXXX secured card, it was graduated to a unsecured card with a XXXX dollar limit. Instead of returning XXXX dollar deposit or crediting my account XXXX dollars they charged me XXXX dollars. I argued this back in XX/XX/XXXX but got no where with them. I stopped paying the bill. 

8 years later they are still reporting this.
Good Evening, I am reaching out to you this evening to file a complaint against Carrington Mortgage XXXX # XXXX. The reason for my complaint is due to clear TRID violations, on top of what I deemed as threats to either close my loan, or not be provided the credits owed to me through my rate lock agreement and good faith cures. I am currently going through a streamline refinance with them since they currently service my loan. The main issue I have is that throughout the process they never disclosed any title fees associated with the loan. They did provide me with a SSPL, but not once did the loan estimates that I received have those fees. Once they disclosed the closing disclosure to me there was over {$1000.00} worth of title fees disclosed. I pushed back asking what valid change they had all of sudden to charge those and without that this was a violation of the regulation. After some back and forth, they agreed it was an issue stating 'system ' problems and worked to provide me an update disclosure. When I received that updated disclosure I noticed that they cure they provided me was not accurate. The cure was almost {$300.00} less than what it should have been per the regulation. I again pushed back stating this was an issue. At one point I was even asked what I thought the cure should be. I was finally provided an updated closing disclosure, but it was followed up with a we need to close 'or else ' scenario. I informed them that less than 24 hours to review the documents was not enough time. The response I received was if we ca n't close this month we can not provide you with the credit for the rate or the lender cure for the fee violation. My rate is locked through XXXX/XXXX/16. To help provide a little background, I am compliance manager at a local mortgage company. I am working to get this resolved, but my concern is how this company is treating other customers. I am lucky enough to know what is right and wrong, but there are others out there that do not. I have copies of all my disclosures as well as email communications with the lender that document these issues. I would be more than happy to provide them if someone were to contact me.
After reviewing my credit report, XXXX XXXX XXXX pulled my credit report without me authorizing them to do so. I never signed anything giving them permission to run my credit. Can Westlake please provide me with proof and signature that i authorized them to pull my credit report.
On XX/XX/XXXX, my vehicle was repossessed by GM Financial, who is a third party debt collector, and not registered with Texas to collect debts in Texas. After filing a lawsuit in state court for theft and conversion of my property, I find out that XXXX XXXX XXXX is using the name of GM Financial to collect its own debts. GM Financial shows on my credit report, and so does XXXX XXXX XXXX. GM Financial paperwork states this is an attempt to collect a debt on its paperwork. On or about XX/XX/XXXX, I tendered two payments to GM Financial and one to pay the vehicle off. One payment was a money order from the XXXX XXXX and one payment was from private sources. On or about the last of XX/XX/XXXXI received a release of lien on my vehicle, and then a copy of the Title was sent later. Approximately two to three months later, my vehicle was repossessed by GM Financial. I received a couple of letters, stating that no payment had been made, and thought it was a mistake. After the vehicle was picked up, I questioned what GM Financial used to repo the vehicle since I had the original title and a lien release letter. I filed in state court a restraining order to stop the sale of my vehicle from the illegal repo. It was at this time I found out that the money orders had a problem. The XXXX XXXX money order was never credited to my account, and checking with the post office, the money order had been cashed. The private source money order had an incorrect number, and I was never made aware of this. By law, GM Financial should have notified me of any defects so that it could have been corrected. The XXXX XXXX money order was never returned, nor the private funds money order. There was no reason for me to know that my vehicle was going to be repossessed.