WillisBack/dataset-financial-user-claim huggingface dataset:
This is against Ditech ... 

Payment in the amount of {$28000.00} was received on XX/XX/2018 for APN : XXXX ; XXXX  ID : XXXX  ; XXXX XXXX ; XXXX, XXXX, CA XXXX. The payoff is considered incomplete because payment was received after the XX/XX/2018 valid though date shown on the previously issued payoff statement and the amount was less than what appears on the current payoff statement valid through XX/XX/2018. 

Enclosed is an updated prepayment calculation showing the remaining amount due of {$210.00} to complete the payoff by XX/XX/2018. If the HERO Assessment is not paid off, the remaining balance will be re-amortized and collected via the property tax bill. 

As the consumer I was not made aware that the Hero  Loan was not paid in full, I was under the impression as per the T & C of the refinance that the Hero Load was paid in full, which it was not. Ditech then sold my loan to a loan holder who I did not even make a payment to as they sold it to XXXX XXXX, when I contact XXXX XXXX they informed me that they had nothing to do with this re-fi, that I would have to contact Ditech, Ditech told me that there was nothing they could do about it. I have now requested a payoff amount from XXXX  XXXX to find out what my current balance is on this loan that should have been paid off per the T & C of my re-fi by Ditech.
My home is being foreclosed on by, and tried to get help with a loan modification, but Well Fargo will not work with me. I also mailed a QWR and Debt Validation letter, and they have not responded to either
Though I have flawless payment history, and have stayed under my credit limits at all times, the issuer has reduced my credit limits and negatively impacted my FICO scores due to credit usage. This is unfair, in that Ive stayed reasonably under the limits to avoid this problem, but when the company arbitrarily reduced my limits, the net impact on me was that my usage went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by virtue of the company reducing my limit. Ive complied with the companys policies, paid on time, never paid less than minimums, and not exceeed the limit, yet Ive been negatively impacted by the companys actions.
To whom it may concern, I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to Unsecured revolving credit history short. 
At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. 
I feel at this time they are not giving me this card due to the fact my last name is XXXX and I am a female. 

Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. 

Thank you, XXXX XXXX Application number is XXXX
I always pay at least {$100.00} more than my interest payment monthly and for the past year my balance has stayed the same. I think I 'm getting ripped off, please help!
List of Inquires listed on my Credit Report that I did NOT authorize are as follows : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XX/XX/XXXX 12 . XXXX XXXX XXXX XXXX  XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX  XX/XX/XXXX 15. XXXX XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XXXX  XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX
XXXX end up on judgment entered on XXXX XXXX ( for {$1800.00} ). ( Filing date XXXX - disposition date XXXX XXXX, court- index number XXXX ) .I was XXXXe U.S. for 9 years ( XXXX issue ) Now i live in XXXX since XXXX ( XXXX ). I notice The Law Firm of Stephen Einstein & Associates put hold on my savings account for that judgment -hold for XXXX for XXXX judgment. On XXXX XXXX I was discharged in bankruptcy XXXX -Final decree XXXX/XXXX/XXXX ( this judgment was not in my credit report XX/XX/XXXX,XX/XX/XXXX-I have copy-and I do n't know about to add when I file for bankruptcy ) Thank you
I repeatedly receive calls from this company. They leave voicemails with dead air. Every time I call back, I tell them I am disputing this debt. Today they have already called three times. Each time is a different phone number. Ive called them back twice notifying them I have disputed this debt with the original creditor. I then ask to be transferred to a manager. Said manager rushes through his name therefore I am able comprehend him. Once I tell him Ive disputed this multiple times with this company and the original creditor, he then says they will remove my number from their call list. I then receive another call from the same company, different number calling about the same debt.
I purchased a used vehicle on XXXX XXXX XXXX less than a week later on XXXX XXXX XXXX, I discovered the car developed an engine tick. 

I brought the car back to the dealership for them to repair the vehicle, they told me it needed a new timing belt, water pump, and tensioner, they charged me {$500.00} for the work which I later found out was NEVER done, the car was picked up on XXXX XXXX under the assumption it had been fixed. 

On XXXX XXXX, the engine overheated blowing the radiator on the car. After taking it to a dealership to determine what was TRULY going on with the car. I was informed that the radiator blowing was caused by a warped engine block and ignition coils were firing into the cooling system which caused the car to overheat and blow. They found no evidence of a repair to the timing belt or water pump, the only thing they found was an obscene amount of stopleak in the cooling system which was put in by XXXX to stop the engine tick but caused the radiator to ultimately explode in the end. 

The reason for my CFPB complaint. Was that I called Credit Concepts before getting any repairs done on the car, before I made a down payment, and before I was actually obligated to pay for this car they lied to me over the phone and told me I was, they said that if I did n't pay my payment because I could n't afford the over 10k in repairs on a XXXX car, they told me they would sue me, garnish my checks and damage my credit if I failed to make a payment. I told them over the phone that the dealership lied to them and I never gave a down payment and they still refused to work with me and just continued to keep threatening to sue me, garnish my wages, ruin my credit, and make my life miserable. I am now over 17k in debt for the repairs on this car and the loan itself. The car is only worth less than $ 2k USD with the blown engine it was sold with. I have attached a picture of my phone call history and hi lighted the 3 calls made where they continuously threaten me and refuse to work with me. This entire business is built and run off of ruining innocent people 's credit. I told them I had a less than XXXX XXXX XXXX  infant they put my life and my child 's life in danger. 

I was told by Credit Concepts that all calls are recorded and stored, if they are refusing and denying having access to the calls hi lighted in the attached documents they are purging and deleting evidence.
lease vehicle. at the end of lease i decided to buy the car. paid off the amount requested and the company have n't sent me my letter if completion and my updated title to show no liens attached
This debt comes from XXXX XXXX and list for {$1000.00}. Someone used my social security number with XXXX and set up an account and never paid for it. I need XXXX XXXX to clear and update this debt as positive and remove it from my XXXX report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.
Received an alert from my XXXX monitoring service XXXX that Equifax was reporting hard inquiries on my Equifax report. I tried every means I could find with Equifax to resolve the problem. Equifax refused to display my report online ( ordered mail ) and all phone numbers and web links were inoperative. Viewing my Equifax report through my XXXX monitoring service shows a large number of " hard inquiries '' on Equifax entered on XXXX -- more than a dozen. Because these represent the possibility of accounts being opened in my name, I am trying to dispute the inquiries which I did not make. But Equifax is totally unreachable by telephone or Internet. I am VERY concerned and turning to CFPB for help. How can Equifax continue to put out my information, but be totally unavailable to account for their action.
OCWEN : Need I say more? 
They have ruined our lives, our sanity, any quality of life. Upon reading many of the horror stories online, I almost feel fortunate that ours is not worse. Nonetheless, it 's a true downer having them in charge of your life. My husband lives on SS and has a son who is a XXXX who lives in a home that he bought for him in 1990 and spent a ton of money equipping it for him. Now due to their ineptitude, inaccurate accounting, and just plain GREED, the kid may soon be in the street in his XXXX. I have filed several complaints here but I am not able to scan and attach documents. I 'm no computer whiz. Just spent an entire week delving through a foot high stack of inconsistent and fabricated documents from Ocwen, printing, highlighting, pulling my hair out to compile a package to the NY AG ; do n't think I can do it again. Just will keep trying to get the truth out there and ask WHY are these people allowed to remain in business?!? I 'm just so sure you do n't get any more complaints about them after the big settlement. XXXX. Corruption at it 's highest level
on a previous complaint regarding the same account. After the bank brought this account positive by reversing a XXXX maintenance fee I find that it again was charged and again negative.
Requested verification of debt. Also requested other legal information for which the company did n't provide apart of this collection attempt. Also advised the collection company that the company they are collecting for is not a debt I owe. I am current with my   XXXX   XXXX    account.
Myself, my wife, my wife 's father, my brother all received a call on the same day and multiple times from XXXX XXXX regarding a debt owed by a distant family member. We do not have any relationship with XXXX XXXX and we did not give written consent for them to contact our numbers.
I was misled into applying for PayPay Credit. I did not knowingly or willingly request PayPal Credit. I submitted a {$28.00} payment request through PayPal. Possibly I clicked on some button to confirm payment that coincided with this PayPal Credit inquiry request ; however I believe this to be a misleading and deceptive marketing tactic that was not known to me. I have contacted the company to remove the credit inquiry request, but they are not able ( or willing ) to help. My credit score is negatively impacted by this credit inquiry request for credit. I am hoping that under Dodd-Frank or Consumer Financial Protection regulations that my credit score can be rectified and PayPal Credit punished for these deceptive " automatic '' enrollments.
This debt was related to dental services from my dentist, XXXX XXXX XXXX in XXXX XXXX/CA. Somehow she did not tell me about it and all of sudden I got a call from Trojan Services about it. 

I took a loan with XXXX to pay that debt as soon as I could and did it ; however it is still showing up in my report after a long time. I was only contacted once by Trojan and they told me that if I would settle that quick that would never happen but this is not the case. 

I want to really see what I can do to resolve this matter since this was paid properly.
Receivable Performance management ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, Washington Zip : XXXX Phone # : XXXX They reported a derogatory remarks to the credit bureau and damaged my 10 yrs clean credit records based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication and based on the failed communications. This debt collection agency did not try to reach out to me in enough means before damaging my credit history. 

I would like to pay off the balance ( {$60.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. 
I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. 

Thanks, XXXX XXXX
I discovered a check I wrote to pay a bill, never was received by the person it was sent to and that whoever stole it, wrote their name in above the payee and cashed or deposited it. My bank can see it was obviously altered and have sent it to the other bank as a fraudulent item, but they are not giving me " provisional credit '', even though their customer service has told me that their policy is to receive a credit within 7-10 business days. Today is the XXXX business day since I reported it. This is a business checking account with Umpqua Bank. I have called several times and no one can explain to me why I have n't received a credit. Only that it can take up to 90 days for them to get money back from XXXX XXXX XXXX who processed the fraudulent check. The check is # XXXX for {$1700.00} written to my XXXX, XXXX XXXX.
I had discovered from my credit report an unknown account from American Express. 
The account number starts with XXXXwhich is not mine
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I have made serveral attempts to resolve my issue with XXXX XXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( july 1, 2009 ), this notice includes. Basis of disputed : On Experian acct # XXXX shows no payment history, only charge-off history.Open date XX/XX/XXXX, last updated XX/XX/XXXX, charged-off XXXX with last payment dated XX/XX/XXXX. XXXX shows last payment dated XX/XX/XXXX and a close date of XX/XX/XXXX with no payment history. XXXX shows only the only a open date XX/XX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.
Please see below. I have huge issues with the handling of my current loan. How do I complain? 


XXXX XXXX, I am reviewing your file right now. It appears XXXX XXXX maintains its handling in this matter is correct and stands by its denial of your claim. You might need to consult with an attorney to discuss the option of legal action if you choose to pursue this matter further. 

With regards to the other concerns outlined in your complaint against XXXX, XXXX maintains its position and states that it has done everything it can with your claim. Further, XXXX advises that it can not compel the mortgage company to release the funds. The Texas Department of Insurance has no jurisdiction over your mortgage company and they are not obligated to respond to any of our correspondence. As such, this issue is now outside the Texas Department of Insurance 's authority. You may consider contacting the Texas Department of Savings and Mortgage Lending.
There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance
My AES is currently in default I 've tried talking to them but nothing. Ive been going through money issues last couple of years.
I am not certain how the debt collector has obtained my phone number for collection of a family member 's debt. They have called me XXXX times today alone after I explained that I was not the person they were looking for and provided a different phone number for them to call. They are rude to me when I tell them to stop. I am a XXXX, I ca n't have my phone ringing all day in classes, during study time, etc. It 's distracting and humiliating that my phone number is associated with this debt. They wo n't tell me any details about the company they are from. I know they ca n't give details of the debt due to confidentiality. I feel personally attacked and it has got to stop. This is not the first time this has happened from the same number. I usually do n't answer if it is a strange number, but due to my many contacts through school and networking for my future I do not like to ignore a number that calls with such frequency without understanding their intent. My intention is to stop the calls and return to my life. I am in no way responsible for the debt in question nor do I share a residence with this person. I do, however, acknowledge that this person is a family member.
On  XXXX   XXXX  Bank of  American p aid a check that deposited from my account which caused my account to overdrawn and charged a {$35.00} NSF ; which is perfectly fine. However on  XXXX   XXXX  BofA decided to charge me another {$35.00} fee for " extended overdrawn balance charge '' because I did not bring my balance current withi n 5  business days.     I get paid ever y two weeks and advised that this balance will be brought current on day 7 once my direct de posit hits my account ; however the bank did n't see fit to reverse the charge.     I think this is a very unethical charge and is a predatory charge to the consumer.
ALL CREDIT AGENCIES CONTINUE TO REPORT BANKRUPTCY XXXX TIMES ON FILE AND NOT MY ACCOUNTS, ALL INFORMATION OUTDATED SINCE 2005 AND ALL AGENCIES VIOLATES FCRA PROVISION XXXX, XXXX AND XXXX
I have told them this is not my account on several occasions. They have not offered to help. It needs to be taken off of my credit reports. It looks like it has been paid or transferred but for some reason it is still on my credit.
The entire debt was settled back in XXXX of 2018 over the phone. They will not stop calling me and sending mail to my home. THIS NEEDS TO STOP NOW.
I reported it in XXXX of XXXX, it is still affecting my family and we have lost everything since the incident occurred in XXXX.
I did not apply for credit card or anything from XXXX Bank but they made XXXX inquiries on my record. Actually besides XXXX, I have not applied for anything so all the inquiries on my reports should be removed.
Call from XXXX. They dont identify themselves and leave messages saying they have a postal delivery. These people call relatives who were n't references on this loan and harass them as well when I have asked them REPEATEDLY not to! They do n't answer their phones when I try to call back or the message says full voicemail.
Wells Fargo has very high interest rate for my mortgage. We just want our interest rate to go down so we are able to pay for our mortgage and lower the monthly payments. They keep raising the loan amount. Due to this it has impacted on my health.
This complaint is made on behalf of my neighbor,    XXXX   XXXX   XXXX    who is in her  XXXX  's sick in   XXXX   went on vacation last year.  XXXX  is currently and has been for the past months in a hospital. She has asked me to ask her bank  ( Chase Bank ) to print her checks ( she ran out of checks in    XXXX  and can not pay her bills ) and just mail these checks to the secure address currently on file with the bank. THE BANK REFUSES SAYING SHE NEEDS TO CALL ... SHE HAS DONE THIS ON SEVERAL OCCASIONS WHERE SHE WAS PUT ON HOLD, AND ON HOLD, DEALING WITH  ONE  PERSON AFTER ANOTHER .... ALL  XXXX  WANTS IS HAVE THE BANK MAIL HER CHECKBOOK SO SHE CAN PAY HER BILL.