WillisBack/dataset-financial-user-claim huggingface dataset:
Servicing rights to our account were transferred to Bayview Loan Servicing effective XXXX/XXXX/15. The first mortgage statement we received from them was dated XXXX/XXXX/15. The account balances quoted on Bayview 's statement did not agree with our own records. Our records are built on a document called " Simplified Transaction History '' sent to us by the president of a prior servicer. He assured us that this " Simplified Transaction History '' was an accurate representation of our account as of a given date. We based our records on this Simplified Transaction History and recorded all of the account activity since that specified date, thereby developing an up to date record of our account. Upon receipt of the mortgage statement from Bayview, we submitted a " Qualified Written Request '' disputing the balances shown on their statement dated XXXX/XXXX/15. Enclosed with our QWR we submitted ( a ) a copy of the Simplified Transaction History sent to us by the prior servicer ; ( b ) a copy of the letter from the president of the prior servicer stating that the Simplified Transaction History was an accurate representation of our account on a specific date ; ( c ) a copy of spreadsheets distributiing the entries in the Simplified Transaction History to each entries component parts ; and ( d ) a copy of a spreadsheet recording all of the activity on the account after the specified date. Bayview 's response to our QWR was dated XXXX/XXXX/15. Their response did address the Simplified Transaction History. Their response did not address the letter from the president of the prior servicer. Their response mentioned our spreadsheets only to say that the resulting balances did not agree with their own record. They did not identify any errors whatsoever in our records. With respect to their own records, they did not provide and documentation showing how the balances in their statement was developed. We have written them several QWR 's and letters but they refuse to address our disputes in a meaningful manner. 
Bayview 's correspondence states " Bayview Loan Servicing , LLC is a debt collector ''. Since Bayview has not ceased collection of the debt, we consider them to be in violation of the Fair Debt Collection Practices Act. Since Bayview has not corrected their records or provided an explanation of the discrerpancy between their records and our records which are built on documents sent to us by a prior servicer, we consider them in violation of RESPA. Such disregard of the statutes governing their activities can not be allowed.
My father passed away in XX/XX/XXXX. He was living in a condo with my brother as joint tenant. While my father was alive, I had power of attorney. When my father passed, he left no estate other than the condo, which passed to my brother without having to go to probate. I was named personal representative of my father 's estate, but since there were no other assets, there was nothing to probate. My father 's condo was financed with Quicken Loans. My brother is currently living in the condo and is making the mortgage payments. The problem is, he has fallen behind in his payments and now Quicken keeps calling me. I have explained to Quicken MANY MANY MANY times that they need to speak with my brother. I have provided them with my brother 's telephone number and he has confirmed that he has spoken with them on several occasions and is trying to work something out. Quicken called me again on Friday, XX/XX/XXXX, and told me that they would put me on their do not call list. Today, Monday, XX/XX/XXXX, they called me again. I do n't know how to stop them, other than changing my number. Can you stop them? Can I be compensated for harrassment?
To whom it may concern at Gateway One Lending and Financing I am looking at my payment history and what I am seeing caused a red flag to go up. Why is my payment to principle and payment to interest fluctuating month to month? Each month my payment is this same, {$580.00}, but what goes to principle and what goes to interest jumps around. If this continues to happen it would take longer for my loan amount to be paid off. I have filed a complaint with the Consumer Financial Protection Bureau as well as cced the agency in on this email. I am eagerly awaiting your response in writing. <P/>Date Transaction Type Amount Principal Interest Fees Balance XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$430.00} {$150.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX PHP_PAYMENTS {$590.00} {$390.00} {$180.00} {$9.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$450.00} {$120.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$400.00} {$170.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$390.00} {$190.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$340.00} {$230.00} {$0.00} {$35000.00}
Never opened a credit card with XXXX  XXXX XXXX on XX/XX/2018 as shown on my credit report with TransUnion
called my parents house and my cell phone saying that there is a claim in there office and i am going to jail if i dont make a payment- they tried to get a payment from my father also he is a senior citizen ... ... scared him
Sallie Mae/XXXX used unlawful and predatory practices to target my former school XXXX XXXX into taking out absurd amounts of money to enroll in their program. XXXX XXXX closed in 2016 and I believe Sallie Mae/XXXX needs to be looked into for all the students that were taken advantage of at XXXX. We are in enormous amounts of debt due to default on payments because our lender would n't let us pay what we could be requested insane amounts from us. XXXX promised us careers where we could pay these amounts and this was untrue. Please hear our stories!
1. I wrote and mailed a dispute letter to experian on XX/XX/XXXX 2. The responsed with a letter on XX/XX/XXXX stating that the account in question was verified by creditor but provided no documenation or  evidence 3. I called them on two occassions XX/XX/XXXX and XX/XX/XXXX to delete this account from my credit report and both times were denied My next step is to start ligitation against experian
Wells Fargo has called me at XXXX XXXX on XX/XX/18, XXXX XXXX  on XX/XX/18 and this morning at XXXX XXXX. They have my address in XXXX California correct, and I have repeatedly told them that I am on the West Coast ( as per the address on record ) and yet the calls are still outside permitted contact times. This is 3 times over the past month, and are not the only times they have called outside proper business hours. 
Each time I advise them I am in California.
Hi. I 'm not sure that this is the right direction to go, however I 'm out if options with this company. Nation star Mortgage is in process of ruining my credit. I can not get a rep or supervisor over there to help me remedy what should be a simple situation. Our mortgage was sold to them. We set up auto deduct and every month for about 5 months now, they have not been able to get my account set up correctly. 

When it was originally transferred from XXXX I was told I needed to do nothing and that auto deduct would occur. At this point I 've spoken to XXXX cust serv reps, and XXXX supervisorsWith no resolve. I 've been lied to, hung up on, and all I want them to do is debit my savings acct each month to pay my mtg. You can see through my bank statements that the money has been sitting there waiting to be deducted. Each time I 'm told that it 's taken care of it never is. I 'm not sure if I should get an attorney involved or what. I really want someone else to service this loan. I have no way to resolve this on my own. There must be a history in my account a mile long from all of the conversations. I feel like I should be paid as an employee of theirs because I 've spent so much time on this. 

I was told by my bank that it 's an internal coding error on their side, which apparently no one there knows how to fix. I have never been so frustrated or disappointed with a company 's performance in my life. At one point I had the bank and the mtg company on the line and they talked, figured out the issue and there is still no resolve. Funny thing is that when I 've called in after noticing the deductions have n't occurred they are able to pull the money internally ( from nationstars end ). So, you can see there is no issue with the account. My savings number never changed .. It 's always been the same. We use nexttier bank. I would simply set this up through another account if I thought it would help but I have zero trust in this company and quite frankly at this point even if they told me it was resolved I know it would n't be. My husband has direct deposit specifically for this mortgage and we set up auto deduct so we would never be late. Now look where I am. For us to change that over to another account just because nation start ca n't code a savings as a savings is absurd, also as an aside the rep I spoke to at the bank new immediately what the issue was be used it happened to her as well. I found that very ironic. 

Please help and let me know where the consumer protection from this sort of thing is? I 've set this account up numerous times and have even had them walk me though it. I pay plenty of bills online and automatically, and I 've never seen such incompetence in my life. I have also contacted the XXXX in XXXX Tx which is where I assume their headquarters is according to the billing address. 

I appreciate your help! 





Sent from my iPhone
Some used my personal information on XXXX. XXXX billed me for {$100.00} when I was not doing any business with them or using their services in any way. I provided them legal documents proving it was identity fraud. I filed bankruptcy and my attorney told me to list the debt to get it XXXX. I did, notifying both XXXX and CBE of the filing and then once the Chapter XXXX XXXX  was granted. I have made it clear to CBE at least three times after the discharge, mailing them copies of the judge 's order and how they were violating the law by continuing to bill me. I get another bill today, they are still billing and reporting on a debt owed which is not.
The name XXXX. Is not me. Also the last name XXXX is also not me.
I have contacted several companies about unauthorized use of my credit report. I also, contacted Equifax and I was told by the Supervisor that Equifax does not dispute Inquiries and that there is nothing that they can do. All of these inquiries are hard inquiries that will stay on my credit for next two years. Enclosed is a copy of my Equifax entries of inquiries from my credit report with the acronym showing the length of time it will remain on my credit. I am having enough problems as it is trying to get my credit straight. I need help trying to get these inquiries off of my credit.
My payment of {$430.00} was due on XXXX XXXX, which I paid on XXXX XXXX. {$180.00} was to be applied towards my federal loans, and the remaining {$240.00} was for my private loans ; however, my payment was misapplied and all {$430.00} was applied towards my private loans, making my federal loans appear late. I called Navient on XXXX XXXX to fix the situation. The representative I spoke with advised she was submitting a request to reapply my payments and the issue would be fixed by XXXX XXXX. 

It is XXXX XXXX and the problem still is not fixed. I have received letters stating my rewards benefits have been revoked because of my late payment, I am receiving phone calls because my account appears delinquent, and I am concerned this will negatively impact my credit report. 

I called twice on the evening of XXXX XXXX to further attempt to correct the issue. The first representative advised me I would need to speak to a supervisor to resolve the situation. After waiting on hold for nearly 20 minutes, the line went dead. When I called back, I spoke to a woman named XXXX who stated she was in the federal area and she could not assist me, but she would connect me with the area that handles private loans. She could not provide me with a direct number to contact the private loan area. After waiting on hold for another few minutes, I received a pre-recorded message that said my call could not be connected and I needed to call back during normal business hours. When I tried calling a third time, I received the same message advising to call back another time.
This would also relate to cfpb case numbers : XXXX & XXXX, filed against XXXX. 
On XXXX/XXXX/XXXX, I contacted " XXXXXXXXXXXX '' to notify them that my mortgage account being serviced by XXXX XXXX XXXX, XXXX was paid in full on XXXX/XXXX/XXXX by wire transfer, with such enclosed documentation so that my credit report could be updated and consequently improved. However, XXXX XXXX 's email response on XX/XX/XXXX was that I needed to initiate a dispute, which was effectively immediately done through their very restrictive website prohibiting ways to adequately formulate the nature of the complaint. Today, through EXPERIAN 'S report number XXXX, dated XX/XX/XXXX, it refutes my claim that the mortgage loan which XXXX had been servicing has indeed been paid. In fact my newest credit report dated XX/XX/XXXX, my order number : XXXX, shows the real estate accounts with Experian ; XXXX and XXXX remain at {$170000.00}. And to make matters even worse, the report also indicates that my credit scores with Experian and XXXX have been lowered to XXXX from a high of XXXX most recently, and probably XXXX will soon do the same. 
This is vexing and extremely humiliating since I have gone to extraodinary lenghts to pay off the mortgage loan to XXXX for an overall sum of {$170000.00} on XXXX/XXXX/XXXX, plus additional closing cost of {$16000.00} and an addtional remittance of {$2900.00} for taxes for which an escrow account already existed with XXXX. The closing could not be effectuated if I had not disbursed that sum of money for real estate taxes. In total, in order to safeguard a good credit report, I sold my house for {$180000.00} on XXXX/XXXX/XXXX and which I paid for on XX/XX/XXXX in the amount of {$230000.00}. But the damages to my credit report continues because, Experian will not amend the report to show full payment of the loan and on top of it, the newest report shows payment latenesses on XX/XX/XXXX and XX/XX/XXXX, when XXXX was informed that the loan was due to be paid in full in XX/XX/XXXX and for which it provided a PayOff Quote Valid Through XXXX/XXXX/XXXX for {$170000.00} but which it ultimately increased to {$170000.00}. EXPERIAN is acting in bad faith and does not show any concern for the right of the consumer who attempts, even through incredible financial losses, to maintain an honnest and credible financial status. When the financial mortgage sector had collapsed in XX/XX/XXXX, I could have foreclosed on that loan but decided against it, despite numerous legal advice, in order to preclude such a negative notation in my overall credit bureaus rating. But instead, the response is absolute contempts by the credit bureaus. I demand that these wrongdoings by Experian and the other credit bureaus be immediately corrected.
Stated that my mother is in some sort of legal trouble. Stated they know she is XXXX XXXX XXXX and they know her last XXXX digits of social security number. Stated I could make all this " go away ''. No details on what exactly is problem ... Feel like they are trying to extort money from me, although issue is n't even with me. I told them to quit making harassing calls and send any complaint to my mother via XXXX mail. They stated they do n't work that way.
THE INFORMATION SHOWED UP ON 3 OF MY CREDIT REPORT FROM XXXX XXXX   AND I WAS ABLE TO MOVE FROM XXXX like around XX/XX/XXXX AND AFTER SEVERAL MONTHS I TRIED TO WORK EXPERIAN IN XX/XX/XXXX AND I ASKED TO FILE A DISPUTE AND I WAS GIVEN A REPORT FROM experian and THEY SAID THEY IN COTRACT WITH XXXX XXXX AND THEY SAID IT WAS MINES. SO ON XX/XX/XXXX AT XXXX XXXX I CALLED THERE OFFICE AT XXXX AND THE ACCOUNT # XXXX AND I WAS TOLD IT WAS FROM XXXX XXXX OF XXXX IN FLORIDA AND I TOLD ITS NOT MY AMOUNT I HAVE NOT HAD DENTAL WORK IN FLORIDA AT ALL. IN XX/XX/XXXX MY DAUGHTER XXXX XXXX XXXX XXXX XXXX IN XXXX, N.Y. AND FROM XX/XX/XXXX UNTIL XX/XX/XXXX I WAS TRAVELING FROM XXXX, N.Y. TO FAMILY COURT IN XXXX, N.Y. SO I WAS HOME TRYING TO FIX THESE HARD TIMES. AND I SAID TO THEM THE ONLY FROM IN XXXX, FL. IS MY WHO IS XXXX YEARS OLD AND MY SISTER WHO WATCHING OVER. I KNOW AFTER THING BACK I REMEMBER MY WHO IS XXXX XXXX XXXX WHO LIVES IN THAT AREA WHO TOOK MY XXXX XXXX I.D . IN XX/XX/XXXX WHEN I WAS IN XXXX, N. Y. SO THE DEPT. OF SOCIAL SERVICE TOLD I WAS RECIVING XXXX XXXX IN FLORIDA AND I SAID NO AND I HAD TO THEM HIS NAME AND ADDRESS AND I WAS CLEARED OF ALL CHARGES! SO I TRIED TO EXPLAIN THIS XXXX XXXX THEY COULDN'T HELP ME CAUSE THEY ONLY COLLECT MONEY. SO I SAID I CAN'T PAID SOMETHING I DON'T OWE AND I DON'T KNOW ANYTHING ABOUT THOSE CHARGES AND WANTED TO PAY THEM FIRST AND THEN DO IDENTITY THEFT OR HE ME TO GO TO THE POLICE DEPARTMENT BUT, I LIVE IN XXXX AND NOT XXXX, FLA. AND THE INFORMATION ON MY CREDIT REPORT IS DIFFERENT FROM WHAT THEM TOLD ME THE AMOUNT IS {$420.00} DATE STARTED ON XX/XX/XXXX AND IN REPORT IT'S {$470.00} AND STARTED ON XX/XX/XXXX! PLEASE HELP ME I AM TRYING TO FIX THESE ITEMS IT'S HARD GET HELP.
In XXXX we got a personal loan from our credit union to pay off the loan at BBVA so we could have the title released to us for us to sale the car. On XXXX a check to pay off our auto loan was sent to BBVA so that we could close the loan and release the title to us. We were told the title would be mailed out XX/XX/XXXX, and it would be in our mailbox BEFORE XX/XX/XXXX. On XX/XX/XXXX, after not receiving the title, I called BBVA to confirm they had sent the title. I was told that the title had been delivered to our P.O. box but it had not. I called the post office to confirm that the title was not with them and they searched and did not have it. 
We called BBVA on Monday XX/XX/XXXX and they had told us that the title was actually showing in their system. XXXX and frustrated, I had a 45 minute conversation trying to get the person on the phone to allow me to speak to a manager, and overnight our title. With no luck my husband called back later that day and demanded to speak to a manager.  After being given the run around they finally allowed him to talk to a manager. She assured us that our title would be overnighted and gathered his information ( including the fedex account number at his place of employment and the name of the company and town ). On Tuesday XX/XX/XXXX, we got a phone call that they had NOT gotten the title in the mail because they neglected to gather the actual Address for the business. 
WE ARE STILL WITHOUT THE TITLE to our vehicle. It has been 2 months and they have neglected to keep their word or send our title in the mail.
My husband added me as an authorized user to his bank of america credit card account back in XXXX of XXXX. They asked for my personal information including my social security # to issue me the credit card. The whole idea behind adding me as an authorized user is to help build my credit. It is now XXXX and it still is n't being reported to my credit report. This is hurting my credit score because I am missing revolving credit history when in fact I should have history from XXXX XXXX and up showing I pay this credit card on time every month. I have repeatedly called them and submitted a complaint internally to bank of america and they sent back a form letter stating it is being reported which is clearly untrue. No one seems willing to help me there and I feel powerless. I am trying to buy a new car next year and this is really going to hinder me from doing so. I have included the letter they sent me which has the account information on it. Thank you.
XXXX XXXX is showing I have a late payment on my reports but I was n't late and I have a letter in hand showing that.
I have XXXX credit card accounts with USAA. XXXX is a mastercard, ends with XXXX. 
For some reason, USAA blocked me out of the online service for " identity '' reasons. This has been going on since XX/XX/XXXX. I called and gave them every form of identity info ( social security number ) and the works.Then they required to fax them my military XXXX paper ( XXXX ) and my military ID card but after all that, they are demanding a " copy '' of my social security card which I refuse to give them, because I am a victim of identity theft through a financial institution, but still demand my SS card and deny me access to my account online as well as refuse to send me paper statements after my request in XX/XX/XXXX. I attempted to close the account so I obtained a balance and paid it off within 48 hours. They acknowledge my payoff payment but refuse to allow me to close the account. There is something going on ( being charged ) after I cut up my card. I am not making any payments after the payoff but the credit report showed a {$10.00} balance in XX/XX/XXXX. I called in and disputed the charge and requested to close the account. Today, the balance is now {$53.00}. I made one last attempt on XXXX XXXX, spoke to XXXX XXXX. He said that his supervisor said " copy of my social security card is needed ''. I then informed him that I will file this complaint.
I have asked for validation and verification on several occasions and AFNI have not been able to validate and verify pursuant to XXXX, and XXXX. The original creditor is XXXX. I do not owe this debt.