WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I refinanced our mortgage in XX/XX/XXXX with a broker named XXXX XXXX XXXX of XXXX, FL. The Mortgage ( attached ) was dated XXXX XXXX, XXXX, was assigned by Assignment of Mortgage on the same date to Option One Mortgage Corporation. Both of these instruments are recorded in the Public Records of XXXX County, FL. We built this home in XXXX on land we owned free and clear, and moved in XXXX of XXXX. We learned through a succession of loan services for our mortgage ( Option One, American Home Mortgage, Homeward Residential, and now currently Ocwen Home Mortgage ) that our mortgage refinance from XX/XX/XXXX was placed in a mortgaged-back trust. We have a HAMP modification and are not in default, nor have we ever been in default or had foreclosure proceedings brought against us. My husband and I are planning to pass our home to our daughter when we pass away, and based on information we have learned from the mortgage crisis, our title is probably clouded. We want to know who owns our mortgage ; what entity will issue the Satisfaction of Mortgage when we pay it off? Clearly, many homeowners had to deal with fraudulent assignments " after the fact '' because the trusts had to show ownership for them to foreclose. Since Option One went out of business shortly after our mortgage was executed ( and the successor company no longer dealt in mortgages ) ... but our mortgage trail has no assignment ( s ) to the real estate security trust ... and creating assignments at this point to recreate that train of title would be fraudulent ( because the pooling and service agreement for the trust stated that the assignment to the trust had to be accomplished years ago before the trust closed ) ... how in the world is legal title going to be accomplished when the mortgage is satisfied and we own the house? We need to know what to do to establish clear title and guard ourselves against Ocwen Home Mortgage ( a known violator of fraudulent assignments and " robosigning '' ) from creating any fake documents.
I received a letter in XX/XX/2018 from a Linebarger Goggan Blair & Sampson, LLP claiming I owed {$52.00} to " XXXX XXXX '' in unpaid tolls and charges. I do not habitually take toll roads so this struck me as odd. Further, I had never been contacted by " XXXX XXXX '' about any amount due so I was skeptical as to how I could be in collections with them. Also, the license plate listed as mine on the letter sent by Linebarger Goggan Blair & Sampson, LLP isn't anywhere close to what my actual license plate is. In fact, the plate number they listed doesn't even follow the naming convention used for personal vehicle license plates in my state. Another red flag! When I researched this " lawfirm '' online I found many accounts from other people of this being a scam and anyone who tried calling the number for the firm 's call center was met with extremely rude, unhelpful people who just wanted to weasel your personal information from you, as well as the money. Consequently, I am not comfortable contacting this " lawfirm '' myself and instead choose to submit this complaint with the CFPB.
The complaint is about unfair charged fees at TD Bank. 
I have a checking account at TD Bank. I opted for paperless statement and had maintained my balance above the minimum requirement ( {$100.00} ) to avoid any fees. 

Without my knowledge nor consent, TD Bank changed my preference to 'Paper Statement ' on XX/XX/2014 and charged me a {$1.00} service fee. This charge brought my balance under the {$100.00} minimum requirement and TD Bank has been charging me a monthly fee of $ XXXX/month ever since. 

Right now, TD Bank has wiped out all my balances on the checking account and claims that I owe them {$48.00} in unpaid fees. 

I request that TD Bank cancel the {$48.00} they claim I owe them and return the {$100.00} original balance I had in the account.
Bought XXXX worth of appliances and delivery guy was abusive when he showed up. We declined the order and requested a full refund.. We even had to call the police on the driver. Sears offered us a XXXX delivery rebate for the abuse. We refused. Get credit card statement and they say I owe XXXX plus fees becuase purchase xcame with a gift card of XXXX. I dispute charge and they say they have no way to cancel gift card. I tell them the number is right on the reciept. They continue to say we must argue with sears and not citibank. This is a # metoomoment. I am being forced to spend a gift card at the very place that was abusive to me. It is like asking a women to go back and live with the husband that XXXX and XXXX her. It is ludacrous to say that a gift card is non refundable. I never purchased the card it was free when the transaction was canceled so was the gift card i thought but they want me to go spend money that I do not want to spend there. I explained thier logic is just crazy but they kept saying call the abuser sears to work it out. No I disputed the charge and they never asked for documentation or proof because they just kept saying you must spend the gift card. Of course they want late fees from the non payment
I have explained numerous times that Equifax continues to maintain a debt from a collection agency that I have never had any dealings with and should not be able to maintain my social security number. Equifax stated that the collection agency has proof my identity. However, they should not have proof of my identity because I have never had any dealings witht the collection agency and have never authorize my social security number nor name or any other information to them. I have never signed anything to authorize this. The original creditor will not speak to me because they stated that they no longer have the information because they sold it to the collection agency. But Equifax claims that they collected information from the original creditor. Not sure how, if they wouldn't even speak to me. Nonetheless, the original creditor is not the one collecting the debt of {$170.00}, but it's the collection agency that is doing so and I have not had any business or relation with the credit agency and therefore, they should not be collecting a debt that I do not owe. I have reported to Equifax in the past that debt is fraudulent and that someone must have used my identity to accrue the debt. The debt was not accrued by me. I have had a history of identity theft and that is why over a year ago, I asked Equifax to put a freeze on my account. Therefore, Equifax should not be maintaining the {$170.00} on my account for the sake of being paid to do so. This is a fraudelent debt, my identity stolen to accrue this debt and I would like for it to be removed immediately. Thank you.
Dear Consumer Financial Protection Bureau, I am respectfully requesting some assistance with a very frustrating consumer issue. Within the last two years I had my credit card with my local credit union, XXXX XXXX XXXX XXXX in XXXX, purchased by another financial institution, ELAN Financial Services. The communication by my credit union, as well as the new institution was poor, and the transfer took place quickly with the XXXX XXXX Credit Card bill immediately changing to an ELAN Bill, XXXX that looked much like junk mail, not a credit card bill at all. As a result, I missed several payments ( up to 120 days ) to ELAN. During this period, payments were made to XXXX XXXX, but the payments were not registered or acknowledged by XXXX XXXX or by ELAN. 

The result of all of this is that I experienced several months of late payment fees, which ELAN declined to refund. In addition, and more severly, ELAN negatively affected my credit report by issuing several late payment reports. Since this time, and after I realized that this transfer was made and that I needed to send my payments to a different address/company, I have been paying this bill consistently each month. Since the incident ELAN posted a few months of on time payments, and for the last XXXX or seven months have been posting the account closed on my credit report, even though I continue to make monthly payments to this account and according to ELAN the account is active. 

For a consumer who has never had any major credit issues on my report, this is a glaring and alarming rating, which is negatively affecting my ability to obtain a credit, a mortgage or to refinance my house. I do not believe that this is fair, nor do I feel that XXXX XXXX or ELAN handled this situation well. Especially ELAN, who, even after realizing that I was not aware of the transfer, and that I had made payments to XXXX XXXX post transfer, they refused to work with me to correct their negative reporting and acknowledge my payments. It even took several MONTHS for XXXX XXXX to acknowledge the money came in and have it transferred over to ELAN. 

In the future I would never use ELAN Financial Services again, nor would I recommend them to any of my family or friends. Doing a simple google search on them, there is a long history of other consumers complaining about their practices so I know that I am not a unique case. 

Any help here that you can provide would be most appreciated. I believe that ELAN owes it to me to review and rebuke they negative reporting that they have been sending the credit reporting bureaus. 

Thank you for your cooperation and your support. 

Regards, XXXX XXXX XXXX
Follow up to CFPB No.XXXX Corporate called to state that the investigation was complete and that a corrected bill would be submitted. Consumer never received that bill. Consumer called XXXX around or about XXXX XXXX, XXXX to inquire about the bill and was told that it would be issued XX/XX/XXXX. XXXX received a notice on XXXX XXXX, XXXX that there was a {$0.00} balance and that no payment was due. However, today, XXXX XXXX, XXXX, consumer received a collection notice from Credit Protection Association L.P. dated XXXX XXXX, XXXX that the bill was in collection. XXXX created the problem by continuing to bill consumer even though service should have been disconnected on XXXX XXXX, XXXX, when consumer returned the cable equipment. XXXX did not give consumer enough time to respond to the corrected bill.
Hello, I am XXXX XXXX I have a XXXX bank XXXX XXXX credit card account # Account # XXXX XXXX XXXX XXXX, in XX/XX/2018 I placed a fraud freeze on my credit at the credit bureaus, XXXX XXXX  closed my account and sent me a letter stating that the account was fraudulent, I called them and told them that it was not and never wanted the account closed, they told me nothing could be done, I made several calls to all there departments including the fraud team, I talked to customer service and set up payment at {$100.00} a month and my minimum payment is {$35.00} conf # XXXX everything has been fine until XXXX I called to increase my payments and the agent told me the account was closed and I could no longer make payments at all I told her that payment arrangements are already been made the agent said no payments will be made and she told me that she closed my account and draft for payments to the account, XXXX XXXX  then reported me to the credit bureaus for a late fee and that the account was a CHARGE OFF/ BAD DEBT and THAT I WAS LATE ON A PAYMENT, I HAVE NEVER BEEN LATE AND ALLWAYS PAID MORE THAN TWICE THE AMOUNT DUE, now my credit dropped 60 points on all 3 bureaus, I called them back and I was told to fax a letter to the XXXX  dispute dept. at fax XXXX and that was the only way that I could reach them at all, I could not call them, I have sent many letters including the latest letter that I have uploaded to this claim, every time I call they do not care to talk to me or help me at all, I never wanted the account to be closed at all I have been making payments at {$100.00} every month even though this is on my credit as a charge off for bad debt and a late payment, would you help me please, thank you for what ever can be done to fix my credit back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX
In XX/XX/XXXXand XX/XX/XXXX I sent certified Hipaa letters to Nationwide Recovery Service asking for the verification of the accounts by asking them to send me a run down of all of the accounts that they have in my name and also the documents with my signatures from the medical provider that would prove or disprove that I am the actual owner of the acquired debt and they did not send me the documents I asked for. What they did send me both times in response to the Hipaa letters was a " debt validation '' letter with only a few of the debts they have under my name. In XX/XX/XXXX/ XX/XX/XXXX I sent a pay for delete letter for a partial amount to settle the debt and stressed in the letter that I was NOT validating the debt, but willing to pay a partial amount to settle the debt in exchange for removing the accounts from my credit report. I received no response within 30 days. On XXXX XXXX, 2017, I called to get more info as to how we could settle the UNVERIFIED debts and I was informed by XXXX the following : * I had 36 accounts totaling over {$2000.00} ( ( which was not in the debt validation letters they sent to me, including the most recent one which only totaled a little over {$600.00} ( not depicted in the file below ) so I was unaware of the additional accounts that were listed as well as the total amount of debt they attempted to collect ) ) *All 36 of the accounts were in dispute ( ( which I DID NOT ask for any of the accounts to be disputed only verified but they took the Hipaa letters as a dispute AND it is impossible for me to ask to dispute accounts that I did not know about until today ) ) * They do not take payments for accounts that are being disputed so that is why I received NO response to my pay for delete letter ( ( once again I NEVER asked for the accounts to be disputed and had tried to offer a settlement of the debt even though it remains unverified. ) ) This company is unfairly reporting debt on consumers that they do not even validate actually owes the debt. XXXX and XXXX, who I spoke with on the phone told me that they do NOT receive signature documents ( that would verify that I willfully assumed the debts they are trying to collect ) Not only that but they do not correspond properly to consumers who wish to validate and verify these debts or those who wish to settle them. I believe their practices are against FCRA laws and I would like them further investigated.
*File uploaded is not their response to the hipaa letters but to a debt validation request sent by a credit repair company I use. However, this is exactly what I recieved when I sent the hipaa letters as well.
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX XXXX late reporting XX/XX/XXXX & XX/XX/XXXX 60 days late XX/XX/XXXX & XX/XX/XXXX90 days late XX/XX/XXXX 30 days late transunion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late
XXXX continues to report two items on my credit reports from Receivable Recovery. I disputed both accounts numerous times but XXXX  keeps reporting as verified. I called the Collection Agency at XXXX on XX/XX/2018 and the representative told me that their company does not have any documentation for the accounts they are reporting. This means that XXXX is not performing a thorough investigation and is being negligent and lazy. If Receivable Recovery has no files or documentation of the account number on file, then how are they validating and verifying the account? How is XXXX verifying and validating the account? This account should be deleted immediately from my file.
In 2008 I contacted Bank of America for a refinance on my primary residenc. After some lengthy discussion I was advised of a HAMP program that would allow me to lower payments. After further explanation by BofA I was told that in order to qualify for this modification I would have to make payments less than required to be included in this plan. I initially refused as my credit was great and would n't want to damage it. The representative then assured me that they would block my credit reporting so that I could qualify ( received this in writing ). After retiring this in writing I accepted, signed paperwork, made the lowered payments as required for 3 months, and was told my the same representative that I was approved for permanent plan. Around 6 months later my credit began taking negative hits for late/missing payments. I reached out to the represent ice who assured me it would be fixed, 4 months later, still getting dinged on credit report. Now almost 8 years later they continue to report my mortgage delinquent and have ignored my emails, calls trying to hold someone accountable for their deceptive and unfair trickery. I have several emails/ documents showing their explicit deception and how I was let to believe I was approved and credit blocked only to be lied to and now they want to for lose on my home and hold me accountable for almost XXXX in law fees when they LIED to me and tricked me. Please help me hold someone accountable there.
In XXXX XXXX I called Kohl 's to make my monthly payment, decided to pay 2 seperate pymnt in order to pay 1 month in advance.I had no idea when fraud occurred & credit union cancelled my card that Kohls pymnts were not paid. No NSF fees, trying to recover cash, contact all auto-debitors, finding unknown SS #, addresses, employment, credit inquiries, attempts to finance a vehicle and more connected to my credit report ... what i later found to be Kohls recorded messages in my vmail sound like telemarketing, incomplete, started with 2 min white noise, cut off with incomplete info & was unsure who called. They reported me dropping my credit score 42 pts overnight.I was in 1st stages of home equity loan to upgrade my home, this ruined all arrangements for that.I spent hours, days, made over 40 calls to Kohls/XXXX, Corporate promised me a callback in 10 min, after visiting a store manager asking him to please call in order to attempt getting someone to help me, they never called.He was embarrassed for corporate. I tried everything, I explained the fraud, offered credit union statements, proof no NFS fees, you name it and they referred me time and time again to XXXX who referred me back to Kohls. Started on XXXX XXXX and it is XXXX XXXX, no one has ever responded to my calls, emails, requests for help, complaints, nothing but a runaround from a huge chain that never sent a letter about my missed payment, never responded to my many emails or phone calls, but manages to blow up my email daily with duplicate " offers '' in an attempt to entice me to spending more money. They make sure they have the resources for marketing while leaving long time customers hanging in the wind with no answers or assistance of any type. Paying them off income tax time and destroying the card which I have not used in months.Bottom line, Kohls did not make a effort to contact me about the payment via email, phone or mail other than a poor recorded call that lacks required contact information. In the end, I was promised help the never came, a phone call from the gentleman at Corporate that oversees accounts who I was told is unable to accept phone calls in his office.
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.
On XX/XX/XXXX16, I went online to initiate a monthly payment of {$41.00} to my Bank of America credit card. On XX/XX/XXXX16, BOA debited {$1400.00} out of my checking account and I received an alert that my account now had a negative balance. I contacted BOA customer service immediately and was told they would keep the intended {$41.00} payment, refund my checking account the difference of {$1300.00}, and that this would take 48 hours to get this completed. It has now been 9 days and the funds have not been transferred back to my bank account. The balance of {$1300.00} was placed back on my credit card XX/XX/XXXX16, but as of today, XX/XX/XXXX16, it has not been refunded to my checking account.
I had the following hard inquires deleted from my transunion credit report and now they have been reinstated on my report, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, I am requesting that they be permanent removed.
Navient is the servicer of my student loan. I applied for teacher loan forgiveness on XXXX XXXX XXXX. XXXX of my loans were discharged in XXXX of XXXX. XXXX of my Stafford Loans have not yet been discharged and I inquired with my consumer advocate at Navient as to why not, I asked for the name of the Gurantor again so I could follow up on XXXX XXXX. Instead of providing that information, she referred me to an earlier email date. Then I decided to research and called the XXXX myself on XXXX XXXX, since this had been a long amount of time. I spoke with XXXX from XXXX XXXX XXXX on XXXX XXXX and inquired about my application. She informed me it was denied on XXXX XXXX, and Navient had been informed in writing on XXXX XXXX. She told me I could called her on XXXX XXXX to make sure I was a teacher of record still in my current position, and she would confirm it with my district, and they would cut a check to Navient.I did take up a separate case with my district, since I disagree with the date they told them I was highly qualified. That day I asked XXXX via email why I had not been informed as it was XXXX XXXX, well over XXXX business days since she had been notified. XXXX at first sent me the old email stating that my application had been forwarded, and I clarified that I wanted to know why it had been denied and no one had informed me in a timely manner. This day, XXXX XXXX, I also asked her to expedite and extend my teacher loan forgiveness forbearance application, as I would have to wait until XXXX for my XXXX loans to be forgiven, as well as to change my name to my new married name. XXXX did fullfill the name change request, however she never responded or answered my forbearance request or addresses it at all. I then received in writing from Naivent on XXXX XXXX, XXXX that they " have not heard from them whether or not it was denied or approved. '' I then called my guarantor and spoke with XXXX and she provided documentation that Navient was informed in writing as early as XXXX XXXX. On XXXX XXXX I received and email that it was denied and Navient was just made aware, even though I asked them to look into it. ( more than a month after Naivent was informed ) I then was informed as a result of this, my loans would be put back into current payment status. I tried to called XXXX that day her phone went straight to voicemail and I also emailed her. I am still eligible for forbearance during this time period, as I am still a teacher of record, and owe less than the amoutn forgiven. There is no reason my application for forbearance should have been denied, and the deliberate delay in giving my timely information regarding the status of my loan is a threat to my credit score, financial well being, and allowing me to have my loan remain in good standing while I take up a case with the district. It also violates the guidelines set out by the federal government that allows a teacher to stay in forbearance during their teaching service.
Called Allied with original bill As they changed date to date of purchased collection bill. They put in my credit which goes against credit fair act more then 7 years and 180 days. Sent proof of this and they refuse to take off. They are trying to reage a old bill which is illegal.