WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, after finding myself in financial difficulty, I retained XXXX XXXX XXXX XXXX XXXX XXXX, CA to negotiate and settle my debts ... which has gone well, except for the Chase Bank credit card account. 
In XXXX XXXX, after 2 years of trying to negotiate this Chase account, I received a XXXX IRS Form XXXX ( cancellation of debt ) with an event code : XXXX ( decision or policy to discontinue collection ). I filed this cancelled debt as income on my XXXX Income Tax returns. 
After waiting a few months for my credit reports to update and reflect the {$0.00}. balance, they did not change. I, then, filed disputes with the credit reporting agencies and I called Chase Bank and talked to a representative named, XXXX # XXXX. The representative told me that I still owed the full amount of this debt, even though Chase had filed the " Cancellation of Debt ''. 
I do not feel I owe this debt because, Chase chose not to settle this debt with my representative, but chose to file the " Cancellation of Debt '' instead. 
I am submitting pertinent info from a previous complaint on this issue against XXXX, dated XXXX/XXXX/XXXX. CFPB case # XXXX or Original dispute case # XXXX. 
I am asking for any assistance you can give to help me resolve this situation.
On   XX/XX/XXXX     I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX  .  All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.
The company XXXX XXXX is collecting on behalf of XXXX 's, and has been calling my phone repeatedly back to back. On XX/XX/XXXXthe company called my phone three times back to back at XXXX, XXXX, and again at XXXX. I contacted them after the third back to back calls, and advised them that these calls are considered harassment and is violating the FDCPA Act.
0n X/2017 I received a debt collect notice from Flanklin Collection Services in XXXX, MS XXXX case # XXXX for {$300.00}. This collection notice is for services of Data to me by XXXX XXXX XXXX account # XXXX. This collection is for overcharges of used Data for a Tablet that I got when I installed XXXX XXXX services at my home. I did not request the Tablet. I was disputing these charges. They kept charging me when I was requesting for them to take the Tablet. When I saw the charges I called XXXX XXXX XXXX, they did not want to take the Tablet back. They said that it passed the 15 days of grace period that I have keep it and pay the charges. I called them within a month. I disputing the case XXXX XXXX XXXX XXXX when they cancelled Tablet services, the XXXX XXXX service and charged me.
Company is incorrectly reporting balance, after payment made company said account would no longer report negative and it still is reporting causing negative impact on my credit score
I had a short sale approved by the lender, Wells Fargo Home Mortgage. During the sale process the loan was sold to XXXX. The sale was successfully closed on XX/XX/XXXX, as reported correctly by XXXX. I have just ( XX/XX/XXXX ) discovered that my credit report shows a Wells Fargo Home Mortgage FORECLOSURE with a XXXX balance outstanding. The most recent reporting by WFHM was XX/XX/XXXX. I called XXXX to begin the process of clearing the error and was told to contact the credit bureau instead.
I finally spoke to a very rude, unprofessional person from what she says to be XXXX XXXX, collecting for XXXX XXXX. This company has called my cell phone, my mothers cell phone and my husbands cell phone, all of which messages were left. Today she also threatened to sue my son and two other people who she claims are related to me that I have never heard of and told me to 'drop my attitude '. They claim a debt from XX/XX/XXXXunder my previous married name that I have not had used since XX/XX/XXXX, so it 's actually impossible to have incurred a debt under that name in XX/XX/XXXX. They call continuously, and as of today, I will be recording these calls. They have also repeatedly threatened to contact my employer and to serve them as well. The return number that they leave is XXXX. When I call that number I also get a rude female who said 'are you XXXX me ' then 'goodbye ' and hung up. Today the call came from XXXX which does not accept calls. Two days ago it came from XXXX which is not in service, I continue to block, and the calls keep coming from different local exchanges. I 'm sure I have them all in my phone, but would have to search every incoming call to figure out which ones are them. As of now, I will start keeping a log of each call and number.
I have repeatedly asked for the full, un-broken chain of title with all Assignments and Substitution of Trustee recorded documents yet only receive rob-signed Assignment with the undocumented papers from closing. I was told I could call XXXX XXXX XXXX/SPS in XXXX XXXX XXXX UT to set up a viewing of the original wet-ink Deed and Note together along with the full Chain of Title that they had in their possession in order to qualify them to collect/foreclose and/or modify my loan. When I called I was told that they would first mail me the documents then when asked when I could set up an appointment to view in person I was told that he would get back with me once he found them ... Haven't heard back yet they still have a XX/XX/2019 sale date pending while they " look for my documents ''. I have requested that while they do their researching if they would cancel this sale date immediately, but they have not to date. 
I am very concerned that this company has no idea who the owner of my loan is as they said it was XXXX but no ID number was attached to my loan to verify, then it was XXXX XXXX, who is currently being shut down/sued as all the others who has said they owned this loan, and since no one can produce any facts and just bully me with sale dates I am very concerned that they will illegally foreclose without any rights to my loan at all!
After Hurricane XXXX, I contacted Ocwen to inquire about disaster assistance. I was given four months and told the payments would be put on the back end of my loan. Today, I received a call form Ocwen asking if I had been affected by the Hurricane. I feel that Ocwen should have known this already, because you have a file on me. The conversation went on, and I was told I never sent the forbearance agreement back. I never received anything in the mail requiring my signature and stated this. According to Ocwen as of today, I need to make payment arrangements for the months granted the forbearance. Its shows I am behind on my payments to Ocwen. This is a scam, they never sent paperwork and now state it too late to resend it. Why did you wait so long to notify me or ask if they were ever delivered, was my question. I have not gotten a response, however they begged me not to contact you. This company is not forthright with important information and has a history of deceptive practices. This should not have an adverse affect on my credit, due to their deceptive practices and ineffective record keeping. 

I would like to have these added to the ended of my loan as agreed upon in the beginning and the opportunity to sign the paperwork reportedly sent months ago.
I joined Regions Bank with the promise of {$300.00} after setting up a monthly deposit of {$500.00} and making XXXX purchases with my check card. I met the criteria on XXXX/XXXX/15 and the bank had 120 days to to honor the promotion. I asked a manager to look into it, and she said she would call me on the XXXX or XXXX of XXXX as to when I would receive the funds ... no response yet. I have a friend who joined also at the same time and has not received her money.
The XXXX XXXX XXXXt account ending in XXXX was on my credit report for years and the credit bureau 's ( Equifax , XXXX , XXXX ) never validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.
This complaint is against Experian credit reporting agency. I disputed a 20 year old item listed on my report as " XXXX XXXX XXXX '' in Michigan. It list an opened year on XX/XX/1997 but no last date of activity. This is a direct violation of my rights according to the Fair Credit Reporting ACT. This information must be removed and Experian refuses to dispute it on this basis. Instead they continue to inaccurately report it costing me employment and credit opportunities.
My wife and I sold our house. At close, we received a check from the title agency, of the equity from our property. We endorsed the check, using my wife 's signature, and deposited it via ATM at a local Bank of America branch. On the next business day, my wife called the branch to confirm that there will be no issue with the deposit. The branch agent confirmed emphatically that there will be no issue. However, Bank of America ultimately rejected the deposit, claiming that a check of such great amount required XXXX of our signatures and that XXXX parties stated on the check as members on the bank account. The bank then lost control of the check as it circulated it through its internal return process. The bank could not tell us what happened to the check once it was rejected for deposit. The bank passed us through a labrynth of unhelpful customer service agents. We have gotten nowhere with the bank. All of this trouble is due to the bank branch simply not contacting us to request additional information and instead losing the check through its inadequate procedures. We remain without the equity from the sale of our home. This is money that we needed to buy a new home, and so our lives have been adversely affected by the bank 's negligence. Until this money is uncovered, we will not be able to honor our contractual obligations to purchase another property. There was no contingency for this problem in the contract, and so the seller may hold us in breach of contract.
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 

Thank you
I am a victim of Identity Theft. I was out with a few friends at the casino, and misplaced my purse. My card was not on the table where I was playing the slot machines, and when I went to go look in the reception, no one had claimed to return it. I have noticed a lot of items on my credit report are not mine and believe someone has access to my personal information and has been pretending to be me. Please investigate this matter right away. Thank you
RE  : modification and  RICO Enterprise  Bank of America must face claims that it and another company violated federal anti-racketeering laws by denying loan modifications to eligible borrowers, a federal appeals court The ruling by the  U.S. Court of Appeals for the Tenth Circuit  reinstates purported class claims by  XXXX   XXXX  and other borrowers that Bank of America and  XXXX   XXXX   XXXX   (   XXXX   ), a  settlement company, feigned compliance with guidelines under the Home Affordable Modification program  ( HAMP )  while modifying as few loans as possible.     Massive consumer victory upholds claims that  BOAs HAMP  mortgage-modification program was a   RICO enterprise The nations seconds largest banking institution, Bank of America must face a class action lawsuit over RICO and promissory estoppel claims for conspiring to obstruct, delay and deny their Home Affordable Modification Program ( HAMP ) applications.
Bank of America must face claims that it violated federal anti-racketeering laws by denying loan modifications to eligible borrowers, a federal appeals court The ruling by the U.S. Court of Appeals for the Tenth Circuit reinstates purported class c  laims by  XXXX   XXXX  and other borrowers that Bank of America and  XXXX   XXXX   XXXX   (   XXXX   ),  a settlement company, feigned compliance with guidelines under the Home Affordable Modification progra  m ( HAMP ) while modifying as few loans as possible.
I feel the BOA has on so many levels absolutely is a RICO ENterprise and has put me in the in the the group of modifying as few loans as possible in the correct modification best see fit to assist me.
I did file an appeal in my last modification because of the status that my husband was unemployed. My service lender at the time said nothing else could be done! SO once again your facts are completely inaccurate and again unwillingness to have a mortgage loan forgiveness principal reduction or rate adjustment I am completely confused on how you can state a interest rate does not factor in until after a trail period?? I will not agree to a trail period without knowing what interest rate I am at?
I open an account with XXXX XXXX ( furniture ) they changed my payment to sychoney Bank ( speliing may noy be correct ) .This account was open in 2010. Begining balance {$2800.00} 6 month later added {$1800.00} I started paying for the first 2 years {$240.00} a month and some month {$270.00} later dropping to {$180.00} for about 2 years now {$140.00} for the last 8 to 10 months and I have a balance of XXXX. I am being charged double in interest of the amount of the cost of the furniture. I do underI have to pay intrest but to pay double what my purchase was is robbery. Please help me with this in any way you can.
This is the 2nd consumer protection request! I received an alert from Experian that I had a new account reported from University XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX XXXX XXXX XXXX and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. I then contacted Experian and filed a dispute. An agent at Experian in the special services department tried to call the University XXXX XXXX and they were not able to find any information that matched me on their system. I asked if this was sufficient verbal confirmation to remove this account from my credit file and I was told it was not. I am buying a house and I need this resolved as soon as possible. I have disputed this account two times with Experian and they have not handled my request. They received a response back from University XXXX XXXX stating that I need to contact them yet I already have. Please resolve ASAP.
I borrowed {$800.00} dollars from XXXX XXXX XXXX XXXX. I have paid {$1400.00} dollars in interest since XXXX XXXX 2016. None of this went to the loan principal. They are deducting {$280.00} from my checking account every 2 weeks. They have now switched their name to Big Picture Loans.
I received a presentment from the US Dept of Education stating that the debt was not paid. I have never paid US Dept of Education directly except for the last 2 years of income that they took without notice. The previous load servicer had garnished my wages for 5+ years until I asked them to verify the debt. They were not able to verify the debt and they sold the debt to the US Dept of Education. These tactics are in violation of the FDCPA.
I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked  XXXX , Experian and   XXXX   to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected my  credit score and ability  to obtain a home mortgage.
This has been an ongoing battle with Equifax and XXXX I have disputed information, submitted ID Theft Affvaidts and police reports ; they fail to delete items however the remarks say : '' re-investigation in process '' The accounts that are not mine in it related to Identity Theft are : XXXX XXXX, XXXX XXXX ( two accounts ), XXXX XXXX XXXX ( I do not have any children ), XXXX, and XXXX XXXX XXXX XXXX.
My husband and I were relocated for his work. I had tried to sell our home several times but the town it is located in has become very rundown and values have plunged. We decided to rent it out, which worked for a few years but we were still having to pay in to make the mortgage payments. Finally we decided we could no longer try to keep this house, and we live across the country so I submitted the paperwork for a DIL. After 3 months, we were denied, at first Ocwen said it was because we had not missed any payments - which we had, then the story changed when I contacted Ocwen 's XXXX. I was told they reviewed the file and that it was concluded we made enough to pay the mortgage. They based this on a XXXX monthly gross income and a XXXX monthly debt..I requested they send me the guidelines that stated this was a sufficient DTI to live on. After reviewing the numbers we sent in, I noticed my husband actually forgot to include some of our debt.. so now I have to resubmit again, which I have no problem with, but I do not feel that was a legitimate reason for denial, as a family of XXXX can not make it on the numbers we were denied on. Ocwen did this before when I applied for modification of the loan back in 2010, every 3 months they were telling us we needed to resubmit information- that went on for a year before I was able to get the ombudsman to intervene. This time around though, I do not feel the ombudsman is working to help me, the consumer, at all. This is a cat and mouse game to see if they can wear you down. I would rather have a DIL than a foreclosure.
XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX-XXXX XXXX  ( XXXX  ) XXXX-XXXX They called me from this number and said they had a debt to collect. They had my social security # and information. I immediately checked my XXXX   credit report and saw that they pulled my credit without my permission. I also saw that I do not owe anything to anyone except my mortgage company and XXXX for my student loans. I do not use credit cards, they have been paid off for about 10 years for me. Do not give in to these people, check your own credit and stay on top of things.
I NOTICE ON MY CREDIT REPORT XXXX XXXX NEVADA ADDRESS AND I NEVER LIVED IN XXXX XXXX NEVADA.  I DO HAVE FAMILY IN XXXX XXXX NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA STATE ISSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL 3 XXXX  XXXX, TRANSUNION. THERE WAS A CHAPTER XXXX, VEHICLE, LOAN, REALTY COMPANY CHAPTER XXXX BANKPRUTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MY DEBT. NEVER LIVED IN XXXX XXXX NEVADA. PLEASE ASSIST
In  XXXX    XXXX  ,  Veterans United Home Loan told us th at my mother had {$150000.00} to buy a house on an already approved loan. We found the perfect house up in  XXXX , then afte r eight months of telling us to pack up and that the house was going to close soon, it never did. They said that my mother did n't  make enough money. In reality, when talking to a local lender, she would only be approved for {$50000.00}. They said they made a mistake and would send back my earnest money, the amount of {$500.00}, and they were going to put a new team on it and get back to me. It 's now been  five mon ths and they wo n't return any of my calls or emails. They should 've made further inquiry and informed us that I could n't cosign a VA loan with her, and lead us on for a year while taking my money. If the information regarding how large her loan would actually have been and the stipulations of the VA loans made clear in the beginning, I would n't have wasted my time, money, and efforts from the start.
I sent the company a letter for verification of debt an as well I disputed it with my credit bureau as well an they stated its been verified however I have never received any documentation. I would like the debt deleted from my credit reports due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act
I paid this with a check sent multiple checks already to pay this and they still reported to my credit and sent me to collections
I purchased a vehicle in 2010 for {$12000.00} and financed the loan through Santander Consumer USA https : //www.santanderconsumerusa.com/ after 5 years of making payments of {$310.00} a month they tell I still owe them {$9100.00}. I want to pay off my loan but it seems never ending.
XXXX sold my mortgage 's servicing rights ( MSRs ) to Specialized Loan Servicing ( SLS ) on XXXX/XXXX/2017. None of my insurance information transfered over and SLS sent a letter stating I did not have insurance and stated it was a condition of my loan to have insurance. I provided the Condo Master policy and my Condo unit policy. The Condo unit policy had just been renewed and the new policy information had been sent. On XXXX XXXX, 2017 SLS sent me a letter indicating they were charging me {$200.00} for the lapse of insurance from the date of their loan acquisition, XXXX/XXXX/17 to the beginning of my new policy XXXX/XXXX/2017. This administrative error as part of their MSRs purchase should have been handled in another manner and no mortgage customer should have been charged due to their inability to maintain the documentation from the previous servicer.
This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. When disputing this claim with the credit agencies, I would receive no answer from one and another would say it was legitimate. Neither Equifax, XXXX or XXXX XXXX XXXX would provide me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid. I believe the credit reporting agencies, XXXX and Equifax, went no further than the collection agency, XXXX XXXX XXXX, to verify the validity of the claim, when XXXX XXXX XXXX, the alleged source, should have been contacted to verify the validity of the claim.