WillisBack/dataset-financial-user-claim huggingface dataset:
Freedom Mortgage is the lender. I have always paid ahead of time for my monthly payments. They changed the monthly amounts due without proper notification. I paid the mortgage but is was a few dollars short because they raised the payment amount. Instead of cashing the check and either passing it on to the next month or contacting me stating it was short, they did not cash the check and reported 30 days late. Not short of proper payment with notification. No one called. No one wrote. There was no way for me to know the amount changed and they refuse to remove the 30 day notice. I have been writing them letter after letter and they refuse to do anything.
The debt collector has been leaving voicemails with a person I know stating they are calling to collect a debt. This person called them back to let them know they had the wrong number and they continued to harass him, asking personal questions about him and myself.
I sent a letter to XXXX XXXX regarding account number XXXX asking to verify and validate the debt. I was notified that this account was verified without any proof of original contracts and documentation with my signature. I was not given a fair and thorough investigation per FCRA. and I also believe they may not have a license to collect in Texas
Someone by the name of XXXX XXXX calls and left a message for an XXXX XXXX on my cell phone saying she ca n't give anymore information and this is her last attempt. She needs to call her back by the end of the day.
i was issued a new SSN and done my best to update all credit agency so they are reporting my correct credit score. I currently have a XXXX - XXXX between XXXX and XXXX but not Equifax which is reporting XXXX. I have n't had much look changing my information so Equifax can properly report my score.
The bank which I have a mortgage with is charging me abusive insurance on top of my mortgage and I was only notified of the insurance policy charges once the amount was already applied to my account.
I just pulled up some info XXXX and noticed a company called, XXXX that has me with a balance Of {$1100.00}, from 2011, I have no idea of such a debt, and believe this is definitely an error.Thank You I really do n't use computers enough to do all the upload requiring, sorry.
Issue was resolved earlier and now company is reporting a past due balance again. 
has been disputed multiple times on XXXX XXXX 2014 was issued a debt cancellation letter and XXXX but gm financial still refuses to update credit file to reflect no balance owed and reporting a past due balance.
XXXX, XXXX and Transunion credit bureaus continues to list XXXX XXXX XXXX XXXX delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, XXXX, XXXX and Transunion credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.
I use paypal to sell XXXX online. For every sale I enforce customer ID confirmation for identification verification and fraud protection. I traded with a specific customer in the months of XXXX through XXXX, during this time I collected numerous selfies and ID pictures of the user along with IP information to prove their Identity. They were also been shipped XXXX to her verified paypal address prove their identity. 

This user later contacted paypal making a claim that their identity was stolen and the transactions were unauthorized. However after submitting ID information and IP information for review by paypal their specialists determined that the claim was in fact false and all of the transactions were authorized. At this point the money was returned to my account. A week later paypal then claimed that all of these transactions were reversed through ACH reversals made through her bank. The reversals were in total almost {$12000.00}. They then requested that I pay for the entire amount. They placed my account on hold, taking all of my funds and preventing me from continuing any of my business transactions. This effectively removed me from having a job and I was given no opportunity to respond to this new set of reversals. 

I requested the names of the banks that the reversals were made from but they refused to provide me with the bank information and refused any information I offered for the case. This left me with no way of combating the disputes with paypal and absolutely no evidence that the bank reversal claims were even true. Paypal said that I was not eligible for protection because XXXX are an intangible good. However XXXX are unique goods in that unlike other intangible items, such as music, videos or software, they are not a copy being sold but instead an actually item that was delivered to the buyer. This meant that I lost 100 % of the product I was selling along with the money from the sales. In addition to this, all of the sales were completed using the XXXX website which provides tracking and proof of delivery for all online sales. However paypal rejected this information. 

Paypal did not even attempt to fight this fraud or give me the opportunity to fight it myself despite the compounding evidence against this other user. I believe that at the very least I should be provided with the reversal documents as proof that they were even made. Hiding the personal information of the user who made the reversal would be acceptable but providing no proof at all is not. Paypal is allowing people to commit blatant fraud and theft while not only doing nothing about it but also actively preventing me from helping myself.
As per your XXXX XXXX, XXXX, correspondence CFPB Compliant XXXX XXXX. My XXXX mortgage originated from XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. Then it was transferred to from XXXX in XXXX XXXX, to Green Tree Servicing LLC. Only a XXXX mortgage was in the aforementioned. There is no Florida Statue that state that XXXX or Green Tree Servicing LLC can create an alleged XXXX mortgage out of thin air. Then hold my XXXX mortgage hostage from being refinanced by another entity. However, there is a Florida XXXX XXXX XXXX, Statue Of Frauds, Fraudulent transfer ch. XXXX. Thus, this is not only Florida XXXX it is a XXXX XXXX. Because, You are trying to extort {$93000.00} across State lines from me. Thus, I demand you release my XXXX mortgage to be refinanced immediately. XXXX days from this memorandum -- I will turn this case over to the Attorney General Of The State of Florida and the FBI.
I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please delete the following : ( 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 ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Calls from different XXXX numbera daily. Harassing me. Asked them to stop they continue. Refusing to tell me who they are. Making me identify myself without them tellikg me who they are. Asking for my social. Smart tone
On XXXX/XXXX/17, I received and alert that a new credit agency reported. I looked and it was Portfolio Recovery. Per FCRA guidelines they are to contact me prior to reporting this alleged debt. They have NOT. This has tainted my good credit history and my name.
Ocwen misdated a foreclosure letter causing me to miss out ona deal to repair my fire damaged house. They also demolished a freestanding garage after foreclosure that was in very good condition, my insurance man valued it at {$20000.00}. This eliminated any equity in the sale. They also listed and scheduled demolision of buildings on a separate lot that I owned free and clear. {$5000.00} worth of tools were taken from an outbuilding on this lot.
On XX/XX/XXXX at XXXX XXXX Western time, two unauthorized transactions were made on my Chase checking account. One was made in XXXX XXXX, California at XXXX of {$200.00} and the second in the same location, day and time of {$300.00}. Chase Fraud called me at approximately XXXX. I told them I did not make those purchases. They closed my debit card and issued me a new one. The Following day XX/XX/XXXX they issued the credit back to my account. XX/XX/XXXX, in the evening I received a notification of insufficient funds in my account. I immediately called Chase and they stated that they reversed my claim but wouldn't give me a reason as to why. The customer service rep asked me if I put my pin number on the back of my debit card. I denied and she stated she would put that information into the claim and resubmit it. I would get an answer in 3-5 business days. Chase left me with $ XXXX in my account and continued to charge me for having insufficient funds. 6 days later I receive no information on my claim so I call Customer Service once again. They continue to tell me that my claim has been denied because my pin number was used during the transaction. Later that day I headed to the Chase Branch in XXXX XXXX, WA on XX/XX/XXXX. I talked to Personal Banker, XXXX XXXX XXXX. He seemed really surprised and stated that THREE other customers came in the last few days about the same exact issue, with the same exact transactions. It surprised me because this town is extremely small.Their fraud transactions were also made at XXXX in California. 

He continued to call chase fraud department. They didn't seem convinced.He told me that he would try again tomorrow and give me an update then. Two days later I get an update and he states that he called five different departments, and they still denied my claim, and added that one of the people he talked to would add more details about my case to the system. He advises that I call Chase Claims and see if they will reopen my case with the new details that were added. I immediately called and they stated they will not reopen my case unless I have proof of my exact location the time of the transactions. I thought that me living in two completely different states would be enough but I guess not. I also used my debit card at XXXX that same day of the fraud transaction ( XX/XX/XXXX ) at a DMV in XXXX , Washington . It clearly shows on my bank account but they still refuse to give my money back. Also my last name was changed during this process due to the fact that I'm married and my maiden name was on my previous debit card. It changed from XXXX XXXX to XXXX XXXX.
Rush CardI have been a member of Rush Card since 2007, Prior to Rush Card upgrading there system on XXXX XXXX, there have always been different issues that have come up, and honestly I should have discontinued this service a long time ago. Now since there upgrade this weekend, my card is no longer active, I am being declined when I try using it. I can not take funds from the bank. I can not see my account online b/c the online account does n't come up, and when u call there number it will either keep ringing, disconnect or number invalid. 

I called to check my balance on Sunday, no answer. I kept calling got lucky a little, b/c the rush card automatic system came on, it took a minute but I was able to put my info in through the phone line and it said my balance was XXXX. I need to know where is my money, b/c I had/have money in that account. 

My direct deposit is also scheduled to hit today and when I tried canceling it with my company it was too late, so now all of my pay check is in this account, in which I do n't even know if this *** company is still in business. XXXX XXXX some of us need our money, unlike yourself. I also agree with the last persons review. Your call center reps all need to speak clear English. 

I called the company number and literally fell asleep. Woke up 2 hours later, and I was still on hold with the hold music. As of today XXXX XXXX. I have finally received my direct deposit, but not all my money that was originally in the account. It 's to much trying to get thru, it was n't a whole lot, so once my direct deposit kicked in I have now cancelled the card and service. This is the worst experience and I will never look back at this company. I do want compensation for the inconvenience and would love to be a part of a class action law suit, if one exists or start my own.
i submitted a letter to XXXX XXXX concerning this negative item on my credit on XX/XX/2018 and XX/XX/2018 with no response to neither one of them.i would like assistance with this matter, obviously they has disregard the 30 days time allowed by law.my balance is incorrect and it should be XXXX XXXX and i'm asking them to verified it bearing my signature as well. 

usps XXXX this is the certified letter from the postal service
On  XXXX  I applied for, and was offered a loan for {$1500.00}. The truth-in-lending disclosure that was presented online, and then was verified again when I was contacted by phone by an agent, offered payments of approximately {$150.00} on each of my paydays. ( I say approximately because it was {$150.00} and some change, but less than {$150.00 } ).      The first payment was debited on  XXXX  in the amount of {$330.00}. I accessed my account online to find that this amount was the standard payment amount which would be debited on each of my paydays, and not the {$150.00} that I was quoted.     On  XXXX  I sent an email to their customer service address listed on the website explaining my situation and asking them to provide proof of the truth-in-lending disclosure that purported the {$330.00} payment amounts and a transcript of the recorded phone call between myself and the agent. I feel that a review of that phone call will show that I was not quoted the {$330.00} payment amount, but instead the {$150.00} amount.     I received no communication from the company after the  XXXX  email and sent another email requesting the same information today (  XXXX  ).
Request a RESPA from XXXX XXXX XXXX XXXX However they redirected tequest to servicing company ( WELLS FARGO ). 

Requesting XXXX, TILA & RESPA from first date of origination XX/XX/XXXX. 

XXXX XXXX originators filed bankruptcy, sent to ASC and now Wells Fargo. 

Also, request a amorizatiin from XX/XX/XXXX-present.
I have been actively ATTEMPTING to have the incorrect information regarding my Student loans deleted from my credit report for entirely to long to no avail. I have contacted Transunion to get correct validated data several times and each time they only return saying they have verified the info. I know this is incorrect because the information they are reporting is not the same on every account. Although these student loans show up as four individual loans, they all should have the same payment information as I was making 1 payment and the company XXXX was dispursing the payments to each account equally. So for the loans to not all have the same information is false. To follow up once AGAIN, on XXXX XXXX, 2017, I mailed another letter stating that i expected Validated information showing my signatures on the deferment and forbearance paperwork showing the dates that the payments shouldve been included therefore NOT late. To this date I have not heard anything from Transunion regarding this matter. It is against FCRA law, to which they are legally bound, for them to knowingly report false unvalidated debts on a cosumers credit file. I also stated the penalty for such acts per section 617 of the Fair Credit Reporting Act for Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ).
For the last year I have been back and forth with the credit reporting agencies about a collection agency called The Bureaus,  whose account have been reporting on my credit report. This account does not below to me. The credit bureaus keep responding stating that I should contact The Bureaus because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with The Bureaus which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the accounts are reporting on my credit report
Trans Union reports that I lived at XXXX XXXX XXXX XXXX XXXX, Indiana XXXX ; I have never lived at that address! I also suspect that my brother XXXX ( XXXX ) XXXX lived at that address.
Wells Fargo fails to fix the erroneous charge off of my student loan and my credit history. Prior to this catastrophe my payment history comprised of seven years of automated payments, which I agreed to at the onset of the loan payment agreement. Wells Fargo erroneously charged off my account two years in a row in XX/XX/XXXX and again in XX/XX/XXXX. The first years charge off took half the year to correct as Wells Fargo repeatedly denied their error. The second charge off remains unresolved.
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 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 XXXX in case it is needed to locate the fraudulent inquiry in their system.
Foreclosure sale is Monday XXXX XXXX, XXXX. 
We have asked for short sale to non-profit and have been unable to get cooperation from the lender. We have provided them with contractor estimates, but they have been unwilling to review them and accept them. They are misrepresenting the condition of the house to the lenders for the foreclosure sale. We have sent them a qualified written request in XXXX, XXXX and again today, XXXX XXXX, XXXX. 
They do not seem to be willing to review the actual condition of the house.
Have disputed 3 accounts with Experian because 1of the accounts are not mine. ( XXXX XXXX XXXX {$400.00} ) They don't even have a record of this debt in their files. I've been XXXX  for several years and have not evrn had a home and certainly not in XX/XX/XXXX-XX/XX/XXXX. The account does not exist so how are they validating this? The other account with XXXX XXXX XXXX for {$650.00} was paid in full by XXXX XXXX Hospital because of my health and financial condition. I Sent a letter in from XXXX XXXX but they didnt validate it. XXXX XXXX doesnt work. I called each collection agency to see if in fact anyone from Experian had called and i was told no. I didnt even have any accounts with XXXX. The XXXX account was paid off by the hospital itself. The alleged late payment to XXXX XXXX  was a mix up due to a change in payment date. Never late. Letter was sent. No response. Asked for validation from Experian. Nothing! I thought that Experian was supposed to check this stuff out to see if it is correct or not?
False Credit Reporting -- -- Subject-Conflict of interest-banking Regulations. Short Sale of Home with Agreement from XXXX XXXX. 
I purchase a home in XXXX XXXX development in XX/XX/XXXX with the intent of selling my home in XXXX, SC. In XX/XX/XXXX, I had to stop the bleeding and made an agreement with the VP of XXXX XXXX to sell the house, pay off first mortgage, pay off XXXX of home equity loan to XXXX and sign a personal note for the remaining balance of {$100000.00}. Because of my income/debt ratio ( retire-income only IRA ), I could not get a jumbo loan with any banks in XX/XX/XXXX. The developer and seller of the home was a Board Member of XXXX XXXX and used his influence to obtain am appraisal and loan for me with XXXX. The mortgage was for {$750000.00}. The rate was 4.75 % and payments drafted from my Checking Account at the same XXXX XXXX. In XX/XX/XXXX, I was able to get a XXXX mortgage for XXXX and XXXX carried the home equity loan for {$290000.00} again at 4.75 % -- interest only. XXXX XXXX ( XXXX VP ) agreed to a short sale if I signed a personal note for the balance. I agreed to do this since he promised there would be no negative reporting to the credit unions. This is my problem. Each month, they report false information on my account such as 1. ) turned over to collections XXXX, 2. ) XXXX or late or missing payments, and 3. ) showing both the original loan and personal note for the balance is in default ; even though they auto drafting from my checking account at their bank each month since XX/XX/XXXX. Their reporting has prevented me from obtaining any refinancing on my home or financing for a new home. This has caused me substantial financial harm. The CEO verbally agreed to correct the reporting ; but did not do it or explain why ; and now he refuses to talk to me. I assume it may be because of a potential conflict of interest by a the Board member- a local developer that sold me the house and obtained the loan. Without a request from me, XXXX decided to write off {$10000.00} so the personal note would be just below {$100000.00}. Closing cost increased the amount to {$100000.00}. He did this instead of lowering the interest rate on the personal note that I had requested. I can not understand any other reason for their actions if not a conflict of interest-banking regulations, etc. I did not try to just walk away from the property in another state when that was the common thing people were doing then. I am trying to prevent filing for Chapter XXXX which is what their action may cause ; and they would be the last in line to pay -- maybe with all the interest earned maybe nothing. I do n't understand why they have taken this position. This is my reason for filing a complaint.
This is in regards to my previous complaint with Discover Card and the following transactions ... 
XXXX/XXXX/16 XXXX {$700.00} XXXX/XXXX/16 XXXX XXXX XXXX {$380.00} XXXX/XXXX/16 XXXX {$4900.00} XXXX/XXXX/16 XXXX XXXX XXXX {$2000.00} XXXX/XXXX/16 XXXX {$2600.00} XXXX/XXXX/16 XXXX XXXX XXXX {$1200.00} XXXX/XXXX/16 XXXX {$730.00} I am NOT paying for these. They are NOT MINE! I have received nothing of value from any of these companies. You need to take a closer look at these. I contacted XXXX and they are adamant that they refunded the {$2600.00} on XXXX/XXXX/2016. Do your job correctly and contact them. I suspect if you contact the others, they will tell you the same. Even if they have n't issued refunds. I 'm supposed to be covered by your XXXX liability policy because the transactions ARE NOT MINE! This has gone on long enough and I 'm not going to be bullied into paying for something that I did not purchase. There 's also the {$6500.00} balance transfer that I did not make. My identity was stolen and you need to look at this again!