WillisBack/dataset-financial-user-claim huggingface dataset:
I have received continuous collections calls from my mortgage company, Freedom Mortgage. on Wednesday, XXXX at XXXX MST, Thursday XX/XX/XXXX at XXXX MST and today, Friday XX/XX/XXXX at XXXX and spoke with XXXX who identified her " teller ID '' as XXXX. I also continue to receive several offers for FHA Streamline refinancing, which is ironic, because Freedom Mortgage nearly foreclosed on my house just a few months ago. I 've contacted the numbers provided on the offers and have been informed by several employees that I should not be receiving these offers and should not be receiving collections calls because the payments are being made by a third party due to the HHF program I am currently on. Freedom Mortgage continues to exhibit the bondage of the predatory loan they originated, as my home in just 16 months is nearly $ XXXX under the value, although it was a new build. They begin foreclosure processes, offer FHA Streamline and call for collections, all without knowing what one department is doing versus the next. I would like for some remedy to occur for the constant harassment I experience through and from this lender.
Every time I send a package to family member that address shows up on my credit report. I have been on XXXX XXXX for over fifteen years. Before that I was living on XXXX for almost ten. The other addresses are family members but NOT and should not keep needing to be corrected.
Select Portfolio Servicing, Inc. ( SPS ) has falsely responded to our request to provide an ORIGINAL Power of Attorney ( as required in our state of XXXX ), to accompany SPS 's invalid discharge and assignment recorded in our County in XXXX XXXX. We have requested this information, and document, through prior Qualified Written Requests sent to the CFPB and to SPS. Attached is email received from SPS and Power of Attorney ( POA ) sent to us. First, the POA is not original ( is from a filing in XXXX ). Second, the POA is granted to XXXX XXXX XXXX - which no longer exists ( date of the invalid POA is XX/XX/XXXX ). Moreover, we have repeatedly asked SPS, through Qualified Written Requests, to identify the name of the OWNER of the loan at the time SPS received our payoff check on XXXX XXXX, XXXX. SPS has not responded to our Qualified Written Requests, and continues to instead provide responses as to a " note holder ''. As the CFPB is aware, a note holder and owner of the loan are not the same thing. In fact, SPS account number does not match our original loan number. We request that SPS provide a valid original power of attorney, provide the owner of the original loan number, and provide the owner of the SPS account number. These loan/account numbers must match any original provided Power of Attorney to be filed in our County. The original loan number is XXXX ( see attached ), and the SPS account number is XXXX. Thank you.
I had a natural disaster in my area and my insurance company provided payments to make repairs. The payments were made to myself and the mortgage company, SunTrust Bank, since there was a loan on the property. The mortgage company has only released a portion of those funds are preventing me for completing the repairs. I have called multiple times and sent in receipts substantiating repairs to no avail. They want to repairs to be complete and inspection prior to releasing funds. I have completed as many of the repairs as I can using my own funds but am quite frankly out of liquid cash and need them to release the funds.
LOUISIANA RECOVERY SERVIce,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , LA XXXX says that I owe them {$56.00}. I believe I do not owe such debt because at the time of my service I had insurance in which they did collect some of the money from the dental claim. However my insurance covered everything. I do not understand. I want some details on such claim. 
Thanks in advance
I have disputed this item listed on my personal credit file. I do NOT owe on any judgment and took it upon my self to search and this case file there are no charges. I have disputed and requested the agency to remove. Why are they not removing this item? It is inaccurate informationXX/XX/2010 / XXXX
2018 XXXX and Bank of America are attempting to set a dangerous and unfounded precedent of discrimination aimed at law abiding consumers. Bowing down to pressure from political anti XXXX interests is discrimination against millions of americans based on nothing more than political pandering by anti XXXX groups who wish to harm efforts of law abiding consumers to exercise their Second Amendment rights GUARANTEED in out Bill of Rights. Since when does attempting to manipulate major banks come into play where national policies are concerned in the realm of political law making? These two banks are acting out of bounds for their purposes. Being used by one political group to damage another political group is illegal discrimination period. There is no place in the House or Senate for this type of activity which is heading down a path of precedence that, if not curtailed, has the potential to cause irreparable damage to our nation and allow any political agenda access to banking manipulation for every pet peeve some group may have against another.
This company has over charged me for a car that isnt worth XXXX i paid a good amount down but they continued to over charge me in financing and everything ... I deserve to have this car reduced by alteast XXXX. I am very XXXX and tired of this company and i will be filling a report with the national attorney general office about this company they take advantage of people who dont have very good credit and just stick us into stuff
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX Card ending XXXX XXXX XXXX, XXXX Chase XXXX Offices Fax # XXXX XXXX XXXX, XXXX Greetings : In early XXXX, I signed a contract with a company called XXXX XXXX XXXX for future employment if I completed a class. As I did well in the class, I was offered a chance to purchase some products I was told for future company expansion. They would add money to my Chase visa account, and I could use that money to make purchases and send them away. After I added {$7500.00} on XXXX XXXX, I called Chase and asked if there was any way the {$7500.00} I put into my account to pay my credit card could be reversed. I was told that it could not be reversed once it showed in my account without going to court. Please listen to the tape of the conversation I had on XXXX XXXX. On that basis, I agreed to make the purchases for XXXX XXXX XXXX and send them off. Money was then added in the amount of {$7400.00} on XXXX XXXX and I made more purchases and sent them off. Money in the amount of {$7600.00} was added on XXXX XXXX and again I made purchases and sent them off. On XXXX XXXX, the first two of these payments were reversed, leaving me stuck. I told Chase not to allow the third to be reversed as well as it was clearly fraud, but Chase allowed it to be reversed in early XXXX. The class was real and cleverly used XXXX XXXX XXXX in story problems, but XXXX XXXX XXXX company seems to be a big scam. 
I believe that Chase has responsibility here. I know that checks that are cashed then bounce later, so I thought I was being careful to ask Chase when I could actually count on this electronically transferred money being there to stay. I have called the Chase Fraud division who said this is not something they normally handle, so I was told to write to you here. 
It should not be possible for someone to reverse a payment after 20 days (! ) simply by pushing a button. Commerce in the US would stop! As I was told on the phone, they should need to get a court order to stop a payment. They claim I was not authorized, but I had proof of authorization I was not allowed to put before a judge. By allowing this kind of reversal without a court action, Chase is complicit in allowing this kind of fraud to happen.
I called Chase again on XXXX XXXX and was told that their system shows all three deposits bouncing on the day they were made. In other words, the XXXX XXXX deposit now shows on the Chase system as bouncing for insufficient funds on XXXX XXXX. The only way I can now prove this did not happen is to point to the call Chase made to me on XXXX XXXX where someone from the Chase fraud unit called to tell me that the XXXX XXXX payment had just bounced and asked me was I aware of it. The call was early in the morning and woke me up if you listen to it, so I may have sounded confused. 
Chase should not be allowed to have the history of my account changed to " hide '' this fraud by showing that the deposit bounced the day it was made which was not the case. Chase has all documentation needed in their systems as discussed above. 
XXXX XXXX
I was in a chapter XXXX. The mortgage company did not report my payments which I understand. My chapter XXXX was discharged in XXXX so I disputed the fact that it was not being reported because I had never been 30 days late. The mortgage company reported my payments and there were XXXX past 30 day payments on my report which dropped my credit rating that I have been working so hard to repair.
I applied for a specialized mortgage product with SunTrust bank, with specified costs for borrowing, including discount points and a 30 year fixed interest rate. Days before closing, I was informed that my loan product was changed, but that the costs were the same, with no additional fees or change in interest rate, and that the original disclosure included all associated costs. I agreed to the change under the explicit terms of the original loan costs. The change in loan product turned out to be secondary to the processing and underwriting departments making an error in interpreting my qualifications for the original loan product. The night before closing, I discovered that an additional 0.5 % discount points had been added to the loan, and that {$500.00} in lender credits had been removed from the closing costs, without any additional disclosure to me, either written or verbal. When I questioned the changes, I was given by the loan officer a choice of either accepting the additional costs, which amounted to {$5000.00}, or they could resubmit my loan, from scratch, as the original product, the processing of which may or may not have been completed by the expiration of my rate lock, which was 3 business days later, and that the current rate was approximately 1 % higher than my locked rate. I feel that the loan officer and the processing/underwriting departments, whether intentionally or unintentionally, defrauded me for over {$5000.00}, and put me in a position of either accepting the additional undisclosed fees, or risk a substantially higher interest cost over the lifetime of the loan.
XXXX , Equifax, and   XXXX   are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more  than two ye ars and they have not removed them from my credit file.   They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from   XXXX    and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the  XXXX  from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up  in  XX/XX/XXXX  and I need them to fix my credit report asap, please.    CTPB please help.
i had flex payments with XXXX credit card. i made a payment of $ XXXX {$160.00} in XX/XX/16 and due to the way flex pay is reported i thought i was paying my card in full.so when i was contacted two months later about being behind on payments i explained to them that i paid my account in full. and i dont owe a balance on this account, and that's when i was told i cant just pay off the complete charges unless i called the bank that's providing the credit on their behalf and ask them for a payoff amount. After the explanation i made my past due and current payment. then the next month i get a call that im past due again. i responded that i just paid my past due and the present due payments. They told me how the payments were allocated. then told me im past due and my next payment is due in 2 days so i asked how much the both payments so i can once more be current. i paid the amount that i was instructed that would bring me current. Next thing i know the following month my credit score dropped 30-40 points for the second time because they reported that i was 30 days past due again.so when i reached out to the creditor i was told if i didnt make sure that pay payments were not current its my fault not the customer associate that im getting the information from i disputed to them directly and they refused to help me on this matter. i explained to them that i have a perfect payment history with them and with other creditors. that im working on purchasing a home and my score has dropped over 70pts because of the two confusing times when to my knowledge i didn't owe a payment. i just need to get this off my report 18 months later and its still holding me back. The sad part is that they admitted to me that others have had the same problem with flex pay thinking that they were paid off and because of the way its billed thery were confused. and really still owed money.that alone should of giving me the benefit of the doubt. before that all my payments were on time if not ahead of time. please help or advise me on how to get my record cleared up. thank you
I have already filed a complaint with CFPB but i need to notify you about this. 
My home was sold in foreclosure on XXXX/XXXX/15 while being in a loan modification. 
The bank ( Bank of America ) legally foreclosed on my property and violated the Homeowner Bill of Rights. 

" Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. '' XXXX Please help in getting my home reversed from the bank due to negligence of the bank.
I rec. a phone call from a assest recovery associates ARA 2days ago. I was at work and trying to hear what ara was saying. they stated i owe about XXXX dollars for a dept. to XXXX XX/XX/XXXX thru XX/XX/XXXX. I could not recalling any money owed to this company 20 years ago. I was threatended with being served by the sheriff, court proceedings, garnishments, leins, fees etc. ARA also had my SS and personal information. I told them i did not recall this dept and if i had this dept i would of taken care of it 18 years ago. It was extremely frustrating converstation i was put on hold transfered to different people with different titles. At first i was terrified and told them i didnt have that kind of money. they said they could settle for less around XXXX. Which i still couldnt pay i said i need to talk to my bank. well the figured changed to about XXXX now. They said if i could pay anything now I had XXXX dollars on my debit card i gave them my card number and they took the funds. they said i have to XX/XX/XXXX or court proceedings will start. I told them again i never rec. any letter from them to date i gave to date. the stated they sent to my p.o. box of course they had all my information. Till this day i have not got a legal letter from them. I should not of payed anything. Something is not right. So I came home from work got on the computer and researched everything. I contacted the company XXXX they contacted me back and said it would not be possible to owe them anything from XX/XX/XXXX and is not affiliated with any company like ARA. STatue of limitations is 6-7 years in my state for dept owed. I have contacted my bank and none of this is every showed up on my credit report.. ARA is terrifing company. there practices are crazy and have to be illegal. I live paycheck to paycheck i cant afford a lawyer either.. What to do. Help me stop this company from doing this to other folks. They way ARA uses terms statements can be very overwhelming especial if you are not a legal advisor. Just a average person trying to get by.
Received a collections letter on XX/XX/XXXX from debt supposedly owed from XX/XX/XXXX. Never once have I received any outstanding charges notification prior to this letter. On top of that never once have I stepped into any one of the buildings of this company.
As I told Chase Bank, this is not about my record of payment. This is about what I have paid over a period of XXXX years. This was my complaint to the State of Ky. State Attorney General for unfair loan practices. 
As of this date, I have paid {$45000.00}. There remains a balance of $ XXXX which will take about XXXX more years to pay off. When this balance is paid off I will have paid {$54000.00}. Your charge to me is {$29000.00} for the use of {$25000.00}. This is well over 100 % finance charges. I just want to the CFPB what myself and many other people are going through. This is a Home Equity Line of credit.
I purchase on credit from Conn 's Credit Corp living room furniture with the original loan amount being {$3000.00}. Conn 's is reporting high credit limit of {$3900.00} with payments of {$120.00} a month when I am actually paying {$170.00} a month. The contract that we originally agreed to was for XXXX years ( 24 months XXXX not 31 months that Conn 's is reporting
I 've been paying on debt with ASSET ACCEPTANCE , LLC and after several attempts i was unable to contact them and left several messages, i was also with a credit counciling : FAMILY Credit Management and they were unable to get in touch with them after several attempts, anyways we did finally contact them but them amount owed had changed several times and during payments i had them down to {$1400.00} and change when they informed family credit management that i was being charged with a 4 % interest and had no prior written agreement or acknowledgement, i finally paid them off this last week XXXX XXXX, 2015 or so through family credit management, when i asked family credit management for a detailed payment history to them the original balance was {$2500.00} and they told me it was {$2700.00} when i added up the payment history i received through family credit management it totaled more than {$3600.00} and i mentioned this to them and they blew me off. i would like to get some of money back and an explanation why i was told about the interest rate of 4 % on an old cell phone bill, too which I 'm still with the company.
Hello Approximately 2 weeks ago I had noticed a change on my credit report Springleaf Financial ( Now OneMain ) had deleted the current loan I am paying on from both my XXXX and XXXX Reports. So I called Springleaf ( Onemain ) AND Spoke To XXXX in their Credit Reporting Department ( XXXX ) I asked her the reason for the deletion her response was since I am paying my loan back via a Attorney That OneMain is not required to report on the individuals Credit Reports it 's according to OneMain Polices. I did n't know this was aloud do to the Fair Credit Reporting Act. I was never informed of this policy. Late last year Springleaf Financial Changed names to OneMain again without informing myself. I had previous loans that are paid and over 7 years old that can be removed from my reports. XXXX informed me that if I want to remove or dispute items on my reports that I need to call her directly instead of thru the dispute process on XXXX or XXXX can she make that kind of statement?
Citibank ( XXXX Loan Acct # XXXX ) in the amount of {$3100.00} Citibank ( XXXX Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XX/XX/XXXX-XX/XX/XXXX. A detailed debt validation letter was sent on XX/XX/XXXX ( USPS Certified Mail, reference # XXXX ). As of today, more than 30 days have passed without a reply from Citibank.

Please investigate this matter as I believe Citibank is in violation ( again ) in accordance to the Fair Debt Collection Practices Act.
The credit card company offers bonuses call to know the status of the application and they say that I must apply again
The statement that I received for making my payments has a different names on it. It was XXXX and now its Lakeview. It's my understanding that I should have received a notification from XXXX that the servicer was changing. 

When I inquired I was told that the original documentation that I received over two years ago had this information on it. That's not acceptable. New notification should have been sent as I understand the regulations.
This complaint is against Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I have attempted twice sending out dispute letters via certified mail to Portfolio Recovery Associates LLC. on XX/XX/2018 andXX/XX/2018 to get verification of a contract with my signature saying I owe them money from a collection debt of {$800.00} account # XXXX. At this time Portfolio Recovery Assoc. has been reporting a negative collection account on my credit report to all of the 3 major credit bureaus XXXX, XXXX and XXXX. I have not gotten a response from them with proper verification.
My name is XXXX XXXX and i bought a {$50.00} XXXX gift card from an XXXX XXXX near my house ( Address : XXXX XXXX XXXX  XXXX XXXX, AR XXXX ) and since i bought it it has not allowed me to use it or activate it at all. When i call customer service they tell me my card is expired and empty ( i never used it and it should never expire ). I need help because i need to pay my bills with that money and im really stressed out.
I refinanced my home, paid points and fees and it dropped approximately XXXX monthly, only XXXX months later it went back up to its original amount. it was before and is now a fixed mortgage with nationstar mortgage. They gave me the most complicated reasoning for this increase.I just have to pay it the way it is for now though to keep my home.
On XX/XX/XXXX I purchased an item from XXXX XXXX for {$32.00} on my 1240 mysynchrony card. Unfortunately the sales person put this on a " DEFERRED-NO INT IF PD IN FULL '' which meant that the payments would not be made automatically like my " EQUAL PAYMENT NO INTEREST '' purchases. 
I contacted mysynchrony that I wanted to pay off the {$32.00} amount. They responded on XX/XX/XXXX " Once your payment has posted to your account you may contact us at XXXX or via the Online Messaging CenteXXXX and we will be happy to apply your payment as requested. '' On XX/XX/XXXX I wrote to the bank that my payment had posted and again repeated the specific payment to the {$32.00} purchase on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX  responded " Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. '' However XXXX XXXX did NOT pay off the {$32.00} payment but rather applied my {$32.00} payment to my entire balance reducing my next payment of {$730.00} to {$700.00}. That payment should not have been changed since the {$32.00} was to have been applied ONLY to the {$32.00} purchase from XX/XX/XXXX. 
The result is that I may now incur interest payments on the {$32.00} as this amount was not paid off as I specifically requested in writing.