WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX advanced me property tax funds several years ago. I assumed it came from the appx {$55000.00} equity I thought I still had in this property. I was told many times just to pay it back as I could. No loan person told me a reverse mortgage causes you to lose access to the remaining equity after the pay out. I paid {$120000.00} cash ( all of my retirement ) got about {$67000.00} and the rest went where? XXXX XXXX has admitted to poor ethical behavior and I am sure it far exceeded what we know. It was their culture at the time. I was told several times that if I said I was going to call a lawyer or was unhappy with the situation, I would be " sent to the office of the president '' and they were done working with me and would retract my ability to pay back the taxes.

When confronted, XXXX just denied it. I gave up the fight, entered a repayment plan and began exceeding the required amount and continue to do so. I am now within about 6 months and {$3000.00} of once again owning the house I paid cash for. I was notified in XX/XX/XXXX that my HECM loan had been sold to XXXX XXXX ( XXXX ) and the same repayment began to be made to them. Last night ( XX/XX/XXXX ) an appraiser called me to say XXXX  had ordered an REO Appraisal on my town home. I was an appraiser and a professional practice instructor for 30+ yrs. I know the other appraisers. Without reason and without any warning to me, XXXX puts an REO Appraisal request for my property out on the appraisal network. I am in my XXXX  's and not in great health and with one asset -- this town home. Imagine the shock out of nowhere getting a call at XXXX XXXX XXXX and having someone say they have been hired to do an REO ( accepted as synonymous with foreclosure ) on your home. I am meeting all the terms of my repayment and now this. I have worked ( literally back to work ) to clear this up and now XXXX  adds embarrassment to the situation. I assume they are going to deduct the costs from me. I want other borrowers to beware this company.
XX/XX/XXXX, we submitted proof of insurance on a property on which Nationstar Mortgage holds a mortgage ; the policy covered from XX/XX/XXXX to XX/XX/XXXX. Despite this, the insurance department of Nationstar then purchased a policy on this property and billed us for the cost. When I received a call informing me that our account was in arrears, I then faxed another copy of the proof of insurance in XXXX XXXX. They sent me a letter claiming that the policy only covered until XX/XX/XXXX. I called and spoke to a customer service representative in the insurance department. I had the XXXX pull up the proof of insurance and read me the dates of coverage. This individual read that the dates of coverage were from XX/XX/XXXX to XX/XX/XXXX. He then assured me that he would correct their error and make certain that the account would show that we were not in arrears. This was not done. The next letter I received informed me that the proof of insurance I had provided was unsatisfactory because it stated that the policy covered XXXX structures. I called and spoke to a supervisor in the insurance department and explained that the policy covered XXXX structures because there were XXXX structures on the five-acre property, a fact which they could easily verify if the merely consulted the legal description of the property. The supervisor then told me that he would " research '' the issue and call me back. He never did so. I have received daily phone calls since that date, which was some two weeks ago. Each time I answer, the caller informs me that we are behind in our mortgage payments because we have n't paid for the insurance policy Nationstar purchased for us. I then tell ask to be connected to the insurance department. When I speak to the person in the insurance department, they tell me that they are still " researching '' our insurance policy and promise to call me back when they have resolved the issue. They never do. 
The kicker is that Nationstar did this same thing to us last year. They, of course, are reporting us to the credit reporting agencies, and our credit rating has been destroyed. I had to put in a great deal of effort last year to try to repair our credit rating. Now, I 'm going through the same experience again. 
I am at my wit 's end. We own XXXX real properties and have always paid all of our mortgages on time, and we have always submitted proof of insurance. No other mortgage holder has ever done anything like this. This company has made it nearly impossible for us to obtain credit now, and we have never done anything wrong. What recourse do I have?
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX. XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX, XXXX. 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed all of these items by letter with all three credit bureaus.
I have request for this company to validate the debt that they claim I owe and they have failed to provide me with any supporting documents. Again, this violates my rights as a consumer.The FCRA, is very clear with that any consumer upon request is entitled to full validation of debts they are accused of owing. I will be contacting the XXXX Office as well as the FTC at this point. This is a violation!
After a request to increase my company 's credit limit at the local disposal site, a credit report showed that someone, somewhere has opened a XXXX dollar line of credit to my business. This was not me, it was done without my knowledge, or permission. I have not even been able to get the name or contact information of the person or company that says the line of credit is/was opened. This is not possible, given I have no idea who they may be, nor any way to contact them. Please see attached copy of Experian 's credit report ( note COMMUNICTN o pg. 4 ) that was forwarded to me by the XXXX ( XXXX ), who manages the local waste refuse sites.
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Hello. I am filling a complaint because I have submitted a dispute to Experian for a bankruptcy on my credit file. I asked them to investigate the information and if it was valid. They responded and told me that the courts verify the bankruptcy information. I wrote them a letter asking them to inform me of their method of verification they use to verify that this is correct on my credit file. They did not respond and simply said that the information was verified. I called the courts and a woman named XXXX informed me that the CRA do not verify with them ( XXXX Bankruptcy Court ). I am filing this complaint because i have a right to know their method of verification based on the FCRA and they will not provide it to me. I have attacthed a copy of the letter i sent them and pictures of the responses. I find it very hard to believe that Experian verifed this info in 3 days and over a holiday weekend ( XXXX XXXX ) at that. I do not believe they are treating me fairly in how they are verifying this supposed information and they are violating the FCRA by not providing their method of verification which I am entitled to.
I recently received a letter from Volkswagen stating that my XXXX VW Passat has been recalled because of the XXXX airbag danger. I contacted them to set up an appointment to fix the dangerous airbag and they do not have the necessary parts. Apparently it might take from 3 months to up to a year or more to fix my car. In the interim, I can not drive it due to the possibility of scrapnel entering my brain, or injuring my children if the airbag deploys. 

I have 11 months left on my lease and VW will not release me from it. So I am left paying for a car that I can not drive. I tried to trade it in for a safe car, but the dealership wanted me to pay even more than what I owe. So I ca n't drive it, I ca n't trade it in and if I give it back, I still have to pay for something i ca n't use. 

XXXX and XXXX are at least being classy and giving people loaner cars. VW wo n't supply drivers with loaner cars. VW corporate claims that even though their airbags have been recalled, their cars are safe to drive. I asked them to send me that in writing and they refused. 

Can your agency help people in my position. I am one of many in this situation.
***CRIMINAL FRAUD BY XXXX XXXX , XXXX XXXX , XXXX XXXX FAILURE TO MAIL MONTHLY STATEMENTS IN XXXX LYING TO CFPB ABOUT RESOLUTION*** LOAN SERVICING FRAUD**** CRIMINAL THEFT****FAKE CUSTOMER SERVICE**** ILLEGAL ATTORNEY FEES*** ILLEGAL INSPECTION FEES *** ILLEGAL LATE FEES *** CRIMINAL FRAUD *** NATIONSTAR TOLD THE CFPB IN XXXX THAT WE AGREED TO A RESOLUTION. WE PAID AS AGREED BUT NATIONSTAR KEPT A BALANCE ON THE ACCOUNT AND THEY HAVE COMTINUED TO ADD LATE FEES, ATTORNEY FEES AND ILLEGAL FEES OF OTHER KINDS TO A LOAN THAT IS CURRENT WE HAVE ASKED COUNTLESS TIMES TO HAVE IT CORRECTED BUT THE AMOUNT CONTINUES TO GROW AND THEIR ARROGANCE GETS BOLDER EACH MONTH AS THE ILLEGAL FEES CLIMB THIS IS NO ACCIDENT OR OVERSIGHT. THE ENTIRE COMPANY IS A FRAUDULENT CRIMINAL SCAM PROVIDING NO VALUE WHATSOEVER TO ANYONE THEIR CUSTOMER SERVICE IS NOT ONLY THE WORST IN THE INDUSTRY IT IS INTENTIONALLY MISLEADNG XXXX XXXX, XXXX XXXX, AND XXXX XXXX HAVE ALL LIED TO THE CFPB IN THEIR RESPONSES. FRAUD HAS BEEN PROVEN AND CONFIRMED BUT THESE EXPERTS IN CRIMINAL CONVERSION HAVE PENCIL WHIPPED NUMEROUS CRIMES INTO A FALSE STATE OF LEGALITY. 


LOAN ORIGINATION FRAUD IS ILLEGAL. PREYING ON MINORITIES, LESS EDUCATED AND ELDERLY USING FRAUD IS ILLEGAL. LOAN SERVICING FRAUD IS ILLEGAL. ... XXXX, XXXX AND XXXX ALL HAVE STATED IN WRITING, HOWEVER, THAT CRIME IS LEGAL WHEN THEY SUPERVISE IT.
I called so many times ( since they refused to identify themselves when answering the phone nor wanted to spell their name for me ) employees are highly unprofessional, using extremely offensive language. 
I was given the number by hospital billing after I discovered on my credit report that some medical bill was still in hospital system. This is a scamming company. They report information to the credit bureau without contacting the person. After many attempts and MILLION of phone calls with scary techniques, i got scared and i provided my debit card information, they took around {$500.00} from my bank account with the promise to sent by mail a report to which i never received and when i tried to contact them NO ONE GIVES AN EXPLANATION or legitimate answer. 

The kind of unprofessional behavior is highly suspicious and i was a victim of their techniques to scare people over the phone.
Dear Sir / Madam, I had taken Auto finance from Capital one auto Finance for my XXXX XXXX XXXX car in XXXX, XXXX for 4 year lease Account # XXXX I have paid early and my last payment of {$1800.00} paid through XXXX XXXX XXXX Check not through my personal check on XX/XX/XXXX. 
I called Capital one auto Finance department and asked them when can I have my lean released from your side. The reply from them was it will take 15 business days and after 7 more days they will post me release of lean after that I can take it to XXXX. I asked the lady why is this like you have to wait to have clear a XXXX XXXX XXXX XXXX so long? she said this is policy of Capital one auto Finance, I asked her can you please E-mail me the policy she refused, than I asked her that I want to talk to manger, When I asked manger she replied the same, I asked her I am on you website please let me know where I can find you policy, she said we do not have. 
I thought I am living in XXXX period of XXXX ; ; ; ; ; I told her that I am going to make a complain about it, she said we are not bother about it this is our policy. I told her that we are in XXXX so please do not push XXXX to XXXX XXXX XXXX. 
They should have develop a system online with XXXX to clear lean, I think they have link with XXXX for loan and insurance with all XXXX in all states that benefits them but not for people benefits. 
When some one has paid full amount why he or she have to wait so long?? 
I will highly appreciate it if you please look in to this. 
Thanks and Best Regards XXXX XXXX
On XX/XX/XXXX I accessed my credit report and noticed several errors. On XX/XX/XXXX I wrote a detailed letter to the credit reporting agency Experian and each of the companies listed on the report reflecting accounts which were not mine. I provided sufficient information to both Experian and the various companies to identify the inaccuracies and make necessary corrections. Examples of information provided included copies of my birth certificate, bills, bank statements, pay stubs and letters to the companies listing the incorrect tradeline. I received one form letter asking for information which had been previously provided. On XX/XX/XXXX o replied and out of professional courtesy I again provided all of the information previously provided in my first letter along with outlining each of the items requested in Experians letters for avoidance of doubt. To date XX/XX/XXXX I have received no information from Experian regarding this matter, to the best of my knowledge the tradeline and personal information errors have not been corrected and I have received no written rationale for verifying any of the information either. For avoidance of doubt, Experian as of today XX/XX/XXXX is 18-days ( from receipt of my first letter XX/XX/XXXX ) and 26-days ( from the date of my first notice ) over ( pass due ) the 30-days granted by law to investigate and correct or provide written rationale for verification.
I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
My spouse ordered an item via the internet ( magazine ) but item was returned immediately. We have written and called the company every month since and never have received any type of correspondence from them. They are now referring to Bonded Collection Corporation. ( see attached letter ) and statement from XXXX,
On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX   XXXX- XXXX 3. XXXX XXXX XXXX- XXXX 4. XXXX XXXX XXXX- XXXX 5.  XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.
I gotten 3 calls from XXXX XXXX 3 times I given my attorney and told them I was on the do not call list
I HAVE A CREDIT CARD WITH PNC BANK, THE PNC POINTS CARD. IT HAS A LOWER INTEREST RATE FOR PURCHASES, AND A HIGHER INTEREST RATE FOR CASH ADVANCES. I CALLED THE BANK TO FIND OUT HOW TO PAY OFF THE CASH ADVANCE BY MAKING A PAYMENT ABOVE AND BEYOND THE MINIMUM PAYMENT. HOWEVER, I WAS INFORMED BY PNC THAT THIS IS NOT POSSIBLE, THAT THE EXTRA PAYMENT WOULD GO TOWARDS THE BALANCE WITH THE LOWER INTEREST RATE. I INDICATED THAT THIS SEEMS TO VIOLATE THE CREDIT CARD ACT OF 2009, BUT THE PNC EMPLOYEE SAID THAT IS THEIR POLICY IN HOW THEY ALLOCATE PAYMENTS.
Portfolio Recovery has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My mortgage was purchased in XXXX by Ditech. Since the purchase, I am having a very difficult time getting my mortgage payments allocated properly. Because I am " ahead '' one payment, they are allocating all of my payments to Principal only. The only way my payments are allocated correctly is if the payment is " late '' ( meaning it is showing up late on their end because they have allocated all my payments prior incorrectly ). I am beyond frustrated. I have called numerous times, I have written to them and still, things are not allocating properly. I have never had an issue with any other previous lender ( and I have had 2 ) and I make my payments via the coupon they send me in the mail ( I tried e-payments but that did not resolve the issue either ). I just want all of my payments to be processed as regular payments with a portion going to Principal, a portion going to Interest and a portion going to Escrow and I would like to keep 1 payment ahead ( I like that buffer ). Thank you for your assistance.
I am a victim of identity theft. I have faxed and mailed my identity theft affidavit and police report to Equifax Credit Bureau as well as letters from companies stating that they will remove my information from their data base ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX that are reporting fraudulent accounts on my credit report. Someone has obtained a personal loan from XXXX XXXX XXXX XXXX and a auto loan from XXXX XXXX XXXX. I am not sure if Equifax Credit Bureau is even submitting my disputes with my documentations to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX to support my claim. I also reached out to XXXX XXXX XXXX regarding fraudulent activity on my XXXX XXXX credit card. Someone made a duplicate credit card with my information and made over {$3000.00} of transactions. I sent XXXX XXXX all of my supporting documentation ( identity theft affidavit & police report ) but my credit card is still maxed out when my balance should be nearly {$1700.00}. " PLEASE HELP ME '' ... ....
son took out home equity loan, I signed as a grantor to use my house as collateral. I have NO mortgage. Son died. Loan is ONLY in his name, I was turned down for food stamps because they do n't see that I 'm still having to pay on dead sons loan. I live on SS and loan comes only in his name at XXXX a month. Indiana offered hardship loan of {$30000.00} to Chase bank but needed assumption letter with my name on it. Chase refused stating they only do that for mortgages. I applied for my own loan just so I could lower payments, even with a credit score of XXXX they turned me down. I 'm XXXX yrs old. I do n't see how this is legal banking practices. I need help.
Midland is inaccurately reporting to the credit bureaus that I have two open accounts with them. The alleged accounts are being reported as " open '' and state that I allegedly owe them {$1400.00} total. They have parked the accounts on my credit report and update the account information monthly. That information is not true and a way for them to extort money for an unsubstantiated account. 

Midland has been sued for the exact practices to which I am a victim of and I would like them to cease reporting to the credit bureaus and stop collecting. The CFPB has reprimanded Midland for such tactics as shown here : https : //www.consumerfinance.gov/XXXX As well as in the consent order here : https : //files.consumerfinance.govXXXX
I started a modification last XX/XX/XXXX. I did n't have pay for XX/XX/XXXX..XX/XX/XXXX.. I paid XX/XX/XXXX XXXX I went to the notary to finish paperwork. She mailed it for me. I did n't think to make copies. Two months later the claim they did n't get it.. That XX/XX/XXXX. They told me to start over. They would not let me make any kind of payment in the mean time. I did not pay XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>I filled out the paperwork again and faxed it this time. Again two months later they stated they never received it. Now I ca n't refinance because of the payment gaps. And they are going to foreclose on me. I have lived here for 21 yrs, I do n't know what I can do, if anything.
I originally sought a modification of my mortgage due to a drastic reduction of income XX/XX/XXXX. I fell behind in my mortgage XX/XX/XXXX and immediately began the modification process. The process has been comlicated by repeated errors of IndyMac and repeated requests for documentation which has previously been submitted. Moreover, once the Federal Government required the assignment of a single point of contact. IndyMacXXXX/ repeatedly changed the contact person. I have submitted in excess of fifteen modification applications with all supporting documentation.  Each time the servicer of the loan makes a generic determination that a document is stale or incomplete without providing specific information on the alleged error or missing information.  Later I found that your agency, CFPB closed my complaint despite repeated requests that it remain open when the servicer provided another boilerplate and non-responsive reply.
Sent Experian a letter certified mail regarding several accounts. XXXX account in particular, which is XXXX XXXX. Per my credit report this account was opened back in XX/XX/XXXX. I had advised them to removed the account for several reasons. It 's past 7 yrs status of limitation for Arkansas, terms states 1 month, the amount is incorrect, the last update was XX/XX/XXXX, I was not at that resident and the credit bureau did not provide proof. Experian sent me a letter advising it will remain until XX/XX/XXXX of this year, which I disagree with and is hoping to get this account removed as soon as possible due too all of the inaccuracies.