WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage loan is currently being serviced by XXXX XXXX XXXX XXXX ( XXXX ), operating as a financial arm of Baird Home Corporation. XXXX has refused to complete a loan modification, stating that it is a retail installment contract. However, the loan is tied to a single family residence, so general RESPA and HUD law apply. Any contractual agreement instituted outside of a HUD and RESPA complaint mortgage would be a clear violation of the law. Furthermore, when the loan was in default three years ago, XXXX issued a claim with the XXXX XXXX XXXX XXXX. XXXX received over {$41000.00} from the Hardest Hit Funds. The U.S. Department of the Treasury established the XXXX XXXX XXXX XXXX XXXX for the Hardest-Hit Markets ( Hardest Hit Fund ) in early XXXX to provide financial assistance to families in the states most impacted by the downturn of the housing market. In XX/XX/XXXX, U.S. Treasury announced that Indiana would receive {$83.00} XXXX to help *unemployed homeowners pay their mortgage. In XXXX, an additional {$130.00} XXXX was added to this funding making the total investment for XXXX over {$220.00} XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) who oversees the XXXX XXXX XXXX XXXX ( XXXX ) will administer the program as an additional tool offered to troubled borrowers through XXXX and will offer individuals who are unemployed and eligible for unemployment insurance benefits. This assistance consists of a monthly benefit to cover a portion of their first mortgage and related expenses while the individual seeks new employment. Assistance in bringing mortgage payments current is also available for those individuals who were unemployed and eligible for unemployment insurance benefits but are now re-employed and able to make monthly mortgage obligations moving forward. Additional underwriting criteria may apply. 
The distribution of these funds is designated for mortgage loans and not retail installment contracts. Since XXXX  collected funds directly from a government agency fraudulently, they have violated the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a  Federal Government Agency. 

I owned the land separately, prior to closing on this loan in XXXX. The loan was closed in a Home Owners Funding home show room, where proper 48 hour RESPA and TIL disclosure prior to closing was never performed. I was initially advised that the rate would be 7 %, but when the loan documents were issued the rate was switched to 13 %. The 13 % rate violates the High Cost Mortgage Law, TILA Act and RESPA ( Regulation X ). I was also advised that I had to borrow {$7000.00} from my father, in order for the loan to fund. This is a clear violation of RESPA law as well. 

Since XXXX is now pursuing foreclosure action and has set foreclosure sale dates, I am seeking your assistance on this matter.
This company called my work place. The gentlemen, XXXX XXXX, did not know he was speaking with me and gave out my personal information. Insisited on speaking with me and and would not hang up unless they spoke to the CEO of the company. I took down the information and called back. He was again threatened me with court and coming to my work and embarrassing me with a citation. Also, said that I was going to go to jail for stolen goods. I asked to speak to the supervisor to file a complaint and the supervisor, XXXX, said he would listen to the recording and reprimand and have him fired. Then the supervisor threatened me with attorneys and a citation at my work. I told them they are not to contact me at work or go to my work. I offered a payment arrangement as I have had in the past to the company and past collectors and they refused stating not enough money and they would pursue through legal system and come to my work. These gentlemen have threatened me and now I am unable to stop shaking and I am afraid I will lose my job & gt ;
Filed a dispute with the XXXX credit agencies ( XXXX, Equifax and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.
I received a call from a company stating that I had XXXX outstanding payday loans from 2011. I was told that I had taken out an online payday loan in the amount of {$400.00} on XXXX/XXXX/11 and another in the amount of {$450.00} on XXXX/XXXX/11. I disputed these charges. The company claimed that they could not provide me with any documentation supporting this claim and they refused to give me any contact information for the lenders in question. They had my bank account number, the last XXXX of my SSN, and my email address. I repeatedly stated that I did not take out any online payday loans, and after repeated requests for more information I was advised to do my own research.
I was contacted by XXXX back in XX/XX/XXXX and I paid them {$2000.00} with my US Bank credit card, apparently for their " Business Concierge '' package. It was my understanding that they were going to increase my online presence by managing my online reputation, therefore increase my SALES. Well it has now been a while, the reason why I am writing to your agency is because they promised me in writing my refund on XX/XX/XXXX and they are not complying with their word, I called them several times and no word from them. They are being dishonest and I need your help with that. I am attaching the refund and harmless form that I signed to this complaint.
XXXX XXXX bank, acct. # XXXX has been reporting inaccurately for over 5 years. 
For an Experian attorney, I 'm making a record here. With XXXX Experian was provided all account statements provided by XXXX XXXX records along with current law, ( FCRA, FDCPA,2009 Credit Card Act, Regulation Z TIL ) will with the following specific supported facts of my claim prove to Experian et al , that the account reporting can not be reported for one more day. 
The report is uncorrectable as the balance, status and all things reported are affected by illegal excessive fees and outright illegal fees period.I paid XXXX dollars to open a XXXX dollar credit line that could not exceed XXXX dollars.I was assessed late fees of XXXX dollars that legally could not exceed XXXX dollars.I paid an illegal internet access fee to pay the first fee payment, that is prohibited The late fees were assessed on XXXX/XXXX/11 and XXXX paid the illegal " pay-me '' internet fee on XXXX paid XXXX dollars in XXXX separate payments prior to XXXX/XXXX/11. 
Experian is reporting an account that is inaccurate for the fraudulent illegal charges of the creditor/furnisher, XXXX OF XXXX XXXX, SD. 
Now, as of this moment, Experian is KNOWINGLY and WILLFULLY reporting damaging information that is illegal for Experian to report for XXXX more day, regardless of any comment, e-oscar update, anything supplied by the furnisher.I suggest if Experian ca n't afford a lawyer they can call the CFPB AND FEDERAL RESERVE toll free at no expense and confirm what I have said.Any competent laymen employee could get this done. 
I will seek judicial redress at some point and this is a record of my attempt to mitigate my damages.
I ordered a DVD on XX/XX/XXXXonline. I tried to cancel the order but XXXX said I only have 1 hr after ordering to cancel. It was now 3 hrs  after. I wanted to get a DVD for my son for XXXX. Today is XX/XX/XXXX, I have never received the DVD nor have I been able to get my {$11.00} back. Chase bank says that they do n't have any recovery rights. I have called XXXX 44 times. They would not give me any information about the seller, then on later calls they wo n't file a claim for me. On XX/XX/XXXX a guy name XXXX supposedly fild a claim but he lied. I have called 10 times today, I was put on hold for an hour and 1/2. Only to have them hang up on me. How can I get my money back?
There is a judgment being reported by Equifax Credit Bureau from XXXX XXXX XXXX. The Credit Bureau insists that they have verified this information however the court asserts they have not. The case was dismissed without prejudice with no judgment and the bureau continues to report this information. It is Judgment with CIrcuit Clerk - Case ID XXXX
I have previously obtained my credit report through XXXX within the last year ( XXXX ), I have successfully disputed items on my report via Experian online ( experian.com ), yet I do not have access to my report online ( XXXX ). In other words I can not access my credit file online via the Experian website. I continue to be denied through this message " We are unable to honor your request for online access. " through experian.com. I have called Experian about this issue and the only assistance that the company can provide is to send me my credit report via mail. The gentleman that attended to my concerns only informed me that there was nothing that they could do about the matter being that they, the call center, had nothing to do with the website. Meaning they could not resolve any access issues, or any issues in general regarding the website. As of yet there is no link on the experian website in order to complain about this issue or any issue related about the website for that matter. I am looking to have convenient access to my credit file online, for review and disputes.
I purchased concert tickets via an online ticket service ( XXXX ). Almost 2 hours later my bank account was hit for {$700.00}. Upon discovering it I contacted the bank and asked how they could allow this without my knowledge. They stated that they would send it to their fraud department and it could take up to 10 days. This left me with {$0.00} money in the bank and nothing to live off of. The transaction came out as XXXX XXXX but upon calling XXXX and talking to numerous people we were told that they did n't have any transactions from our card. This was used as a Debit Transaction so someone got a hold of my expiration date, security code and number. The only online purchase that was made with this card was to buy the concert tickets. Now, we were told that even though the {$700.00} says pending on our account they in fact have our money but neither TD Bank, XXXX or XXXX XXXX is claiming any responsibility nor do I know if or when I will even get my money back.
On XXXX XXXX, 2015 I went to a Capitol One Bank in XXXX to withdraw cash on my credit card while waiting for my PIN number to be mailed to me. I withdrew {$50.00} in cash. The next day, I discovered that I was charged a {$10.00} Cash Advance Fee.. 
The card number is : XXXXThis was originally an ING Direct account. As you know ING Direct was forced to sell their American holdings to Capital One a couple of years ago.
Diversified consultant is still reporting negatively on my credit report. My Id theft reference # XXXX please assist me in getting this debt collector I do not owe to stop reporting and contacting me regarding this account. 
When I informed them included an ID theft affadavit but they are requesting again. They had 5 days to delete off my credit report and to stop all contact. 

Diversified Consultant account # XXXX
I tried to unfreeze my credit report. It could not be done online, and asked that I send in documents. I sent in all documents. They charged me the XXXX $ fee, but have not unfrozen my account.
I complained to XXXX when I closed my account with them that I was disappointed with their service. I was told that I would not owe any early termination fees as I was outside my early termination period. I have since then received a phone call and XXXX letters, all from different debt collection agencies, requesting I pay an early termination fee or they 'd report it on my credit report. I instructed all XXXX debt collectors that it is not a debt that I owe because I was told there would be no early termination fees because I was outside my contract term. XXXX of the debt collection agencies did place it on my credit report which I had to fight to get removed.
I lease a XXXX  XXXX XXXX through the Fair app. Initially paid deposit through app and after receiving my first mailed bill, I made my first payment by phone in XX/XX/XXXX to ensure it got in on time. At that time I set up a recurring monthly payment through Fairs billing entity XXXX XXXX XXXX for XXXX on the XXXX of each month. 

For background, Fair sends customers a billing notice telling them they can make payments the following way : 1. One time phone payment 2. Set up monthly recurring payment ( sends you to the XXXX XXXX XXXX   number ) 3 By mail Thinking I was set up I left for vacation in XX/XX/XXXX. Didnt notice at the time my account was charged that month TWICE. Once by XXXX XXXX XXXX as I expected, but another charge from the Fair app itself for the same amount!! 

Happened again. XX/XX/XXXX duplicate charges from these two entities on my statement. 

Talk to Fair customer service ( by text because they barely have customer service ) and they send you to their billing department - which ends up being XXXX XXXX XXXX. 

XXXX XXXX XXXX tells me they only handle their own charges not those from Fair app. I ask why on earth they exist if Fair is already handling their own payments by app and why do you not have visibility to other duplicate payments Ive made. Rep has no answer. 

Talk to Fair customer service, by text as usual, and rep tells me to call the billing department. Again. I inform him there are 2 entities billing me. He has no clue about this or what to do. 

1. No where does Fair inform consumers they DO NOT NEED to set up monthly recurring payments as they are already set up when they contract with Fair. 
2. And yet, Fair mails out an invoice monthly telling consumers you have the above mentioned 3 ways to pay ... as if you arent already set up in the app. One of the ways is to set up a monthly payment with a 3rd party Payment Servicing entity. Which results in duplicate billing. 
3. Fair reps are untrained and have no clue how customers get billed and do not assist. 
4. Fair has 2 billing entities that do not have visibility to one another, and apparently no way to track, manage or catch duplicate payments. If they even care to do so. 
5. Fair has been extremely and willfully negligent in its management of monthly payment processing, as well as careless and confusing with incorrect and misleading billing information that is sent to consumers. 


There is no efficient or effective way to get assistance with Fair as they dont even understand how their company billing is set up. They are a circus with no concern for customers. 

Their duplicate billing has put me over my credit limit two months in a row, affected my credit rating, interest, and most importantly negatively impacted my vacation when I could not pay for my last hotel, unknowing they had double dippled on my card. 

I expect the charges from Fair Financing for XX/XX/XXXX and XX/XX/XXXX to be reversed and the company to get itself together with regard to their financial systems and payments.
I have received phone calls from Regional Acceptance four to five times a day! Sometimes even more than that. Over the past few days they have called at least twenty times and from several different numbers. This includes calling and hanging up right after. They even called me 4 times within an hour! I ca n't answer the phone most of the time because I 'm at work. They will call all the time. I 'm behind on my bill but they did n't honor an agreement made. I made a payment recently online and saw that they are still charging me for XX/XX/2016. I have paperwork stating that it is pushed to the back of the loan. I have had harassing calls in they past from Representatives, supervisors, and managers alike. It got so ridiculous I had to speak to a branch manager. This company is very unprofessional and they do not honor their agreements. I 'm a single parent and had to deal with many hardships when I got my vehicle financed through this company. I have tried my hardest to play catch up but XX/XX/XXXX I took a pay cut. When trying to pay up my balance XX/XX/2016 that also became another issue with multiple problems. I kept getting quoted different amounts and no one could give me a straight answer. They tried taking a payment and it did n't go through. When I called to find out how I could resolve the issue they said oh just pay x amount and then I wo n't have to pay XX/XX/XXXX. Completely differen again from what I was told days before. And I did pay. Now they are n't keeping their word. I do n't trust this company or the workers there. I do n't know what to expect while I 'm on the phone with them. Majority of the time I 'm met with hostility and do n't feel comfortable speaking to anyone there.
As you can tell from the picture i have enclosed this is an old loan. I bought the vehicle in XX/XX/XXXX, and the loan has continually been on there ever since. The vehicle is long gone. every time i call to dispute this from experian they change the date on it. I have asked them to remove it in XX/XX/XXXX but now it say XX/XX/XXXX? what gives this company the right to keep the original loan from XX/XX/XXXX -XXXX on my report for that long? that is not in compliance with the FCRA is it? 
Date Opened : XX/XX/XXXX & lt ; -- -? 
Date of Status : XX/XX/XXXX & lt ; -- -? 
Reported Since : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Type : Auto Loan Terms : 60 Months thank you for your help in removing this from experian, none of the other credit reporting sites have this on there and have n't XXXX XXXX XXXX XXXXXXXXXXXX
On XX/XX/2018 I sent XXXX XXXX XXXX a letter requesting them to provide me with an originally signed consumer contract for an inaccurate account which does not belong to me from Fair Collections and Outsourcing # XXXX. On XX/XX/2018 XXXX XXXX XXXX signed the return receipt. A few days later they sent me a letter saying they investigated and the account is accurate which is incorrect. They have failed to provide me with a signed consumer contract.
On XX/XX/18 Provident Funding sent a letter stating 'how to request cancellation of your private mortgage insurance ... current loan to value ratio is 79.88 % ''. We followed the instuctions and paid {$100.00} fee for Provident Funding to then to perform a broker price opinion. Provident Funding then  sent a letter dated XX/XX/18 stating " based on the property value of the property ... the loan to value ratio is 90.2 % '' and stated totally different values than what was originally written. I feel like it was fradulent scam to get me to pay {$100.00}.
XX/XX/XXXX Home was purchased XX/XX/XXXX XX/XX/XXXX Included in Discharged Bankruptcy ( payments were voluntarily paid ) XX/XX/XXXX last month loan was serviced by XXXX XXXX XXXX XX/XX/XXXX first month serviced by XXXX XXXX XXXX XX/XX/XXXX servicing transferred to XXXX XX/XX/XXXX XXXX sent a letter that I could not receive monthly statements due to bankruptcy XX/XX/XXXX last payment I ever made XX/XX/XXXX servicing transferred to Caliber Home Loans  XX/XX/XXXX sheriff sale notice XXXX Judicial Foreclosure XXXX property sold to private buyer XXXX received a XXXX from Caliber Home Loans Marked ( # 5 that I was personally responsible for the repayment of debt )
i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with XXXX balances. thank you Sincerely, XXXX Veteran
XXXX insurance issued a debt for an auto accident that was dismissed in court. Case # XXXX. Attorney XXXX XXXX XXXX Ph/ # XXXX. The collection company is NCS at phone # XXXX. Name of representative is XXXX XXXX and he not only is calling numbers not associated with me but after providing him with attorney information and verbally explaining him to cease and desist he continues to make harassing calls.
We keep getting phone calls from someone who says they are from Bank of America and wanting to talk to us about our property. We are n't late on payments so there is no reason for her to keep calling! I have asked her 3 times to NOT CALL, that there is nothing I need to discuss about our property. She calls as early as XXXX, we have people sleeping here at that time. I asked for her manager and she claims she could n't find her phone number. I need this to stop. I have searched her number and found her home address, etc. Her name is XXXX XXXX ( she claims it 's XXXX ) from XXXX XXXX, Ca XXXX XXXX XXXX XXXX Phone number she calls from which is her own is ( XXXX ) XXXX. We do n't know why she is calling, she wo n't say unless we confirm information which I REFUSE to do because I know her call is not legit.
I am formally requesting that the CFPB investing this matter. I do not feel that Experian 's XXXX system is sufficient enough to handle this matter. Please note that I am a XXXX Veteran XXXX This item does not belong on my credit report.
I have a complicated issue with an old charge account. The original creditor was GE Capital, now Syncrony Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We both had GE capital cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made in XXXX and XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called Synchrony to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? 
Additionally, I sent a validation request to XXXX XXXX as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if XXXX XXXX is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.