WillisBack/dataset-financial-user-claim huggingface dataset:
In my review of my credit report on XX/XX/2018 XXXX XXXX is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. XXXX XXXX is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
We had a pay off stated from the home office of this company California ) and then the XXXX office and we paid off truck By the time they stated. We waited for over a month for the title and instead today recived a bill for {$80.00} I contacted them and they have no clue what they are doing said its a late charge.They tried saying it was paid after XXXX on XXXX if you look at payoff print out from them it was XXXX the XXXX I am tired of this company and want my title. DO NOT USE LOBEL FINACIAL they are crimanals.
When my, then partner, and I decided to purchase a home, we were referred to Priority Home Mortgage by our builder. When I met with XXXX XXXX at Priority the very first time I was clear of my relationship status and wanted to make sure that was not going to be an issue with a joint VA loan/mortgage. I was assured that everything was fine. This was XX/XX/2015. 

We processed all of the paperwork, were pre-approved for the mortgage as a couple. 

XX/XX/XXXX, I was contacted by another individual from Priority, I believe her name was XXXX, who asked for marriage documents. I relayed the same information that I had shared with XXXX. All of the sudden we could not get the mortgage, or deed to our home in both names, I had to go through the pre-approval process again. Everything. 

Once the dust settled, I went to XXXX 's supervisor, XXXX XXXX. After several conversations, he agreed that Priority personnel had messed up, and that my, now husband, and I would need a quick/Quit Deed after I closed on the house in order to get the deed in both my name and my husbands. He also agreed that Priority Home Mortgage would incur the cost of processing the second deed. Conversations as late as XXXX XXXX, XXXX confirmed that all was in order and that the Quick/Quit Deed could be processed the day after my closing. 

At my closing on XXXX XXXX, XXXX ( a separate entity ) told me that I would have to wait until I received my actual deed before I could move forward. 

I have now had my deed in my possession for over 2 weeks. I have reached out to XXXX XXXX at Priority Home Mortgage three separate times, including today, to get the XXXX deed processed and signed. I am getting no return communication from Priority Home Mortgage.
My Bank of America credit card account was closed in XX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. Bank of America is still reporting the account as open through XX/XX/XXXX with XXXX and XXXX   ( XXXX is reporting closed status as of XX/XX/XXXX ). In addition, Bank of America is still reporting the aforementioned balance on all three credit bureaus. I have called Bank of America multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.
Just learned that XXXX XXXX has once again placed a debt that was removed from my credit for aging this account. I was not notified, verbally or in writing about this debt and it appears to come after filing a complaint with your company and the debt was removed from other reporting agencies. 

Spoke to XXXX XXXX and was told XXXX XXXX account is now with them and they are the debt collector. This debt has been disputed and disputed and removed at lease twice. When I paid portions of the bill and the company discontinued the process and then sent to collections. It has been removed at least 2 times and they continue to age this debt.
I am trying to modify my loan with Bank of America. However, they have filed a lawsuit for a " relief of Stay '' so that they an start the foreclosure process on my house. They filed this lawsuit without offering me a loan modification.
I sold an item thru XXXX that XXXX delivered to the wrong address. I tried to re-route the item to the buyer, but XXXX indicated my item was ineligible for that. I have maintained contact with the buyer the entire time. I explained to the buyer that once I received the item back, I would have it sent to them once again. They are fine with that. 

That said, the buyer ( for their protection and to document the issue ) filed a claim thru XXXX, which I understand. Since I am in contact with the buyer, and the buyer is in agreement with me, XXXX has not issued final resolution because they see that I am working with the buyer on it and have a perfect record with XXXX, but PayPal has decided to withdraw the funds from the account forcing a negative balance, as if the final resolution had been issued. 

Now, the issue this is causing, is I am now unable to use my PayPal account, because they are forcing me to pay the negative amount, as opposed to waiting for the final resolution from XXXX. I would have no issues paying the funds back if that were the case, but in this case, I have a serious issue with them playing judge, jury and executioner on an unresolved case.
I consolidated my students loans through the government, I selected the 30 year repayment for a fixed interest rate. Late last year, FedLoan Servicing, increased my payment by more than {$50.00} because they said they audited my account and determined I would n't pay it off in the 30 year time window. After multiple phone calls with FedLoan Servicing, they said I could n't do anything, I had to pay the new, increased amount. If I wanted it lowered, I would have to change my payment plan to a standard one ( with no guarantee of the interest rate not changing ) but there was no guarantee the payment would go down. They offered no other options, it was pay it or go in default. How can they raise the payment if it was a fixed payment amount for the entire life of the loan? I was sending extra money each month and they were n't applying it to the principal, as I requested, so the interest was only being altered and not by much. I worry that my payment will go up again in a year or two and already it is incredibly high at {$770.00} per month.
XXXX XXXX is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. XXXX has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting Experian and XXXX XXXX and hours of hold times with XXXX, I have not been able to resolve this on my own. XXXX XXXX has also hung up on me twice over the years trying to resolve this.
I received a bill for {$180.00} from Enhanced Recovery Company , LLC trying to collect for a debt from XXXX XXXX XXXX, XXXX. I have not used XXXX in probably XXXX years, and closed all accounts properly at the time and have not received any bills from XXXX ever since closing my account with them.
In XXXX of XXXX a citation was attempted to be served to XXXX XXXX XXXX, my mother, and again in XXXX XXXX - the citation is not signed but the officer showed it was served ( with only XXXX attempts instead of the required XXXX prior to leaving citation on the door - I am assuming because XXXX was unable to answer the door ). The law firm filing the lawsuit was XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, Texas XXXX. No further action was taken and in XXXX several attorneys working for the above law firm left that firm and set up an operation under Jenkins, Waggins and Young law firm also located in XXXX and a copy of their judgement is provided for address and contact information. Their phone number is XXXX XXXX XXXX and XXXX is " the '' person that talks to people there. There was no action taken on the original suite from XXXX XXXX up until around XXXX XXXX wherein the new law firm represented that they were authorized to file a judgement and that they were representing the law firm under the original citation ( XXXX, XXXX, XXXX and XXXX ) even though they were not according to that law firm and in addition, they filed without giving notice to the estate of XXXX XXXX XXXX whom had died almost 19 months prior to their action to file for judgement. I believe that the timeline for filing motions for any debts is within XXXX year of the time of death. There was no notification to the estate of the debt and there was no probate or administration for the estate as the value of the estate is none. The collection efforts are at best deceptive and unfair - there was - these folks were not the people who issued the suit originally and are attempting to collect on an old citation that the original debt collector says they no longer are working. The firm did not serve any additional citation or notification to the address or to the estate or even individual prior to the judgement action - so there was no opportunity to validate or defend the debt. And there are possible leches concern, statute of limitations on the suit. In addition, the address on the citation and judgement is incorrect, they filed that judgement action after the XXXX year timeline allowed for collection of the debt AND attempts to call and discuss the situation with them has not been received well. They refuse to discuss the situation with me but spend a great deal of time gathering data.
I am a XXXX who has been working with my clients for almost a year and a half. My clients are from XXXX and are retiring here in XXXX. I began this process with them inXX/XX/XXXXwhen we meet in XXXX XXXX XX/XX/XXXXto discuss their particular situation and when they were looking to move here. I knew that they would not be moving till spring/summerXX/XX/XXXX but would be coming to XXXX frequently to see homes that interested them. About 9 months into the process I received an email from my client that she had been working with Navy Federal Credit Union on their preapproval and wanted to know if I was affiliated with them. She states in her email ( attached here ) " We are considering pre-approval with Navy Federal Credit Union. We 've been told that we can get a reduced mortgage rate with a realtor associated with them '' I informed them that it is a RESPA violation and that is steering. Through the next 5 months my clients continued to work with me, making several trips to XXXX to look at homes. The last time they came back was the week ofXX/XX/XXXX at which point we were going to look at a bunch of homes and hopefully put an offer in on one. I advised that they bring their preapproval as we would need that to submit and offer. They viewed some rentals when in town because they were not sure they would find something and wanted to move back ASAP. Without me knowing they went to see a house and feel in love with it. After all the paperwork was done they emailed me to let me know they had found the one. I was a little taken back by this and emailed asking if I had done something wrong ( emailed attached ). I was advised that I had done nothing wrong and that they LOVED working with me ( email attached ). They wrote me a fantastic recommendation on XXXX and stated " Our final commitment to XXXX XXXX and the house that we 're buying was based on NFCU and their partner program, XXXX XXXX ''. ( Email attached ) So after a year and a half of working with my clients, they find a house and NFCU tells them to use one of their realtors affiliated with them to submit the offer and NFCU will give them a reduced mortgage rate. I do not believe this is legal and this is also steering.
This debt is not mine. I never had an account with XXXX ever. Someone may have used my information but this is not mine and needs to be immediately removed.
Due to international travel, had been unable to make payment to Macy 's Credit Card. On finding out on return that it was past due, had called customer service to clear payment. But due to aggressive behavior from customer service representative and my own reaction to it, ended up asking the representative to clear account and close it. It was my impression that after this I was done with the account and dont have to worry about it. But it was suprising that Macy 's continued to send me statements and a balance due was showing up on credit reports that just kept going up. From past experience, had did not expect reasonable reply from Macy 's and hence disputed the charge with experian. Now the result from experian shows a 120 day payment due and no information was provided as to how the fatcts were verified. Having asked Macys to clear the account and close it, donot see any reason why I should be penalized for a mistake made by Macy 's ( represented by XXXX Bank as per dispute result ) who keep charging me long after account had been paid in full and closed. Dispute was submitted to XXXX and Report ID is XXXX.
Notified Security Finance that I was dealing with their Corporate office due to them running my credit multiple times and I only authorized one transaction. Calling my phone 5+ times a day. Calling my references multiple times. Contacting people I did NOT even put on my reference sheet. Harassing and not Professional collection practice.
I have been conversing with SunTrust Bank regarding an unethical fee they charged my account. Now they are stating that they could incorrectly gave me a refund that they have to remove out of my account but I never received.
I am submitting this formal complaint to report the very, very, very abusive tactics of Hunter Warfield Inc. 

I was shocked when I called to inquirie about a debt of {$230.00}. 

I also clearly verified myself and stated clearly " I AM CALLING TO REQUEST SOME TYPE OF FAIR SETTLEMENT TO PAY THIS OFF AND CLOSE THIS OUT COMPLETELY ''. Apparently, I was billed for a little over {$120.00} that I was completely unaware of and this company has added exhorbent, unreasonable fees. 

I simply asked them to make a FAIR ADJUSTMENT so that I can pay this fair amount off. 

I am shocked that I was met with being BULLIED, LIED TO, HUMILIATED, PASSED TO ANOTHER AGENT WHEN I ASKED FOR A MANAGER. 

XXXX XXXX AND XXXX XXXX XXXX alias if not real names made every effort to Badger, Belittle, Provoke me, Disrespect me, Misrepresent the simple facts of payoff request discussion. Worse of all they continued to demand the address of the Safe house or Women 's shelter that had to assist my leaving a dangerous, life threatening situation. 
I offered my police report, crime victims address- but they kept badgering and so disrespect me. I was shaken over a simple matter and simple request for fair final payment request. I even asked over and over what amount might I pay to FULLY RESOLVE this and XXXX it. ( I only owed one other creditor. I called them-they faxed settlement letter, I paid full amount as agreed ) ; but, Hunter Warfield agents are dogmatic, ABUSIVE, demeaning and disrespectful while I WAS TRYING TO PAY A FULL FAIR SETTLEMENT TO XXXX THIS.
on XX/XX/2018, USAA put a hold on my account due to a fraudulent check being placed into my account. The check states " PAY TO THE ORDER OF XXXX XXXX '' .. To whom I do not know also on the fraudulent check has this persons ' address for XXXX XXXX. The amount of the check was in the amount of {$2300.00} which I would have never approved.. Also on the check states XXXX XXXX XXXX XXXX. As I continue to examine this copy of the fraudulent check that USAA provided to me, states on the back ENDORED BY XXXX XXXX. With a signature that is not mine. with an account number and stating it was thru mobile app. Now this complaint is to understand that the USAA BANK should have never allowed the mobile app banking to put a fraudulent check into my account without making sure it was okay. I should not be held responsible for this check amount. USAA FEDERAL SAVINGS BANK XXXX XXXX XXXX. XXXX XXXX TX, XXXX
I am currently in a suspended forclosure process with Wells Fargo Home Mortgage. They have approved me for the federal HAMP modifaction processing and have well over estimated my income by about {$10000.00}. After sending in an appeal they denied my first appeal to review my income information and a second appeal to review the HAMP regulations according to Section 3.2 : Servicer Escalated Case Management they have refused to further review the case and are preasuring me to agree to an incorrect modification that would put me right back into a forclosure with-in months of accepting their terms.
Opened account XX/XX/XXXX. At the time my credit was poor. Since then in an attempt to improve credit rating I opened a couple of credit cards to establish an improved credit rating. I consistently paid on time and never missed a payment. My credit rating improved over the year. In XX/XX/XXXX I paid account down by {$400.00} with a balance of {$400.00}. Within 3 weeks they decreased my limit to {$460.00}. I continued to pay on time. On XX/XX/XXXX I paid off account. On XX/XX/XXXX they closed my account. I called, they said it was based on my credit overall report. Only item that changed was an erroneous remark from XXXX  that a payment was missed. That was resolved and removed from my credit history. Even though my credit is in better standing than when I opened account they closed it, which negatively affected my credit rating. I asked them to please review it again since the recent missed payment from XXXX had been resolved. They refused, stating once an account is closed, it will remain closed forever. Im concerned about their blatant disregard for the consumer.
Equifax has indicated it believes my information was compromised in the XXXX XXXX 2017 data breach. Of course, Equifax was not intentionally trying to give my information away -- however, the circumstances surrounding how they handled the situation is frankly unethical and likely illegal. I work for the XXXX XXXX in XXXX XXXX, and when I read Equifax was saving sensitive user information in plain text I nearly burst a blood vessel. Handling sensitive user information in such a way is, at best, grossly negligent. I would probably get court martialed if I did something like that at my job. 
Secondly, Equifax executives knew about the breach for months, and not only did they not immediately inform the public, they cashed out their stock in the company. Last I checked, trading on insider information is illegal, and not informing compromised individuals as soon as possible is highly unethical.
Good afternoon, I have yet to receive a formal statement from Heartland ECSI since XX/XX/XXXX, which was the time in which they took over management of my loan from Campus Partners. I have made payments only because I have personally logged into the account to see the status. It is the obligation of the loan service provider to provide me monthly or quarterly statements and notify me within 30 days of my due date of payment. None of this has happened. I have received XXXX document stating that my loan was been transferred to Heartland XX/XX/2016 and one email dating XX/XX/XXXX that my statement was ready. No correspondence other than this, not one time. I have requested electronic and paper billing none of which I have received.I made this request XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX none of my requests for statements were met. 

In addition to the lack in response Heartland ECSI processed a payment XX/XX/2016 that was submitted to XX/XX/XXXX. Campus Partners now Heartland ECSI stated to the credit bureaus that no payment was received but clearly written on the check along with my USPS receipt for the payment with the date. That is clearly fraud and needs to be corrected immediately along with any interested that was occurred due to that misapplied payment. 

I am hopeful that the CFPB will support me in this effort to correct the wrong doings of these XXXX companies so that no other borrower will be taken advantage of.
In XX/XX/XXXX, I purchased a home at XXXX XXXX XXXX XXXX in XXXX, Maryland XXXX. This was my dream home and I had no intention of ever moving again. Unfortunately, my dreams were short lived and shattered. First the title company failed to inform me that that would be an additional XXXX County tax added to my regular property taxes after a period of one to two years into the mortgage. When this additional tax was added to my mortgage, I could no longer make the payments and fell behind in my payments. In XX/XX/XXXX CHASE proceeded to harass me with foreclosure notices, even calling me on Sundays threatening me. I pleaded with CHASE to help me remain in my home. Finally, CHASE said they would consider a modification to my loan but I would need to submit {$3000.00} in order for them to do the modification. I only had {$3000.00} because I had recently had to pay funeral expenses for both my mother and grandmother. Although this was all the money I had, I was happy to send it because I assumed CHASE was going to help me remain in my home. I was sadly mistaken. CHASE notified me that they were not doing the modification, kept my {$3000.00} and WENT UP ON MY MORTGAGE BY {$10.00}. CHASE NEW IN ADVANCE THAT THEY HAD NO INTENTION OF MODIFYING MY MORTGAGE AND YET TOOK ADVANTAGE OF ME BY REQUESTING AND KEEPING MY {$3000.00}. I FEEL CONFIDENT THAT CHASE HAS DONE THIS MANY TIMES TO VULNERABLE HOMEOWNERS. I SEE CHASE AS A CORRUPT, GIANT, FINANCIAL BULLY THAT NEEDS TO BE BROUGHT TO JUSTICE. I recently found out that banks do not lose money when homeowners default on their mortgage loans as banks have insurance on mortgage loans. This means the bank is paid twice for a home, once from the insurance company, and then again from situations like mine, where I was able to successfully complete a short sale. A realtor suggested that I attempt a short sale to prevent having a foreclosure status listed in my credit report going forward. Sadly, this is what I did, and was able to sell the home for an amount that Chase accepted. Losing my home defeated my spirit and broke me as a person. I still have not recovered from my loss and I know I never will. I became ill shortly after the short sale with XXXX XXXX XXXX and was forced to retire, live on a monthly benefit payment, move into rental housing that I absolutely hate. CHASE should not be allowed to get away with this crime. I literally was robbed of my home as CHASE could have helped me remain in my home. They knew before they took my money that they had no intention of granting a modification. How many others, like me have had to be treated this way. I just can not believe CHASE should be allowed to treat me and others this way. CHASE should be brought to justice. Please help me to remedy the disservice CHASE did to me.
Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.