WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to submit a complaint against the XXXX XXXX XXXX  XXXX dba Shellpoint Mortgage Servicing regarding their insincerity in communication with a customer and the delayed internal process which caused an actual loss of customers money. 

In late XXXX ( around XX/XX/XXXX ), I have sent a request via the companys website ( XXXX XXXX XXXX XXXX XXXX ) to figure out my loan closing ( payoff ) process. As I was preparing on the sales of my coop apartment and I knew my mortgage with XXXX XXXX has been transferred to XXXX XXXX XXXX recently ( XXXX ), I have reached out to them in advance and wanted to check the status of my original loan documents transfer in order to set the closing date. Like other coops, my coop also requires bringing two original documents ( Original Stock Certificate and Proprietary Lease ) which the mortgage bank currently holds at the closing. 
Even though the company says they will reply back within two business days, I never received an email or a phone call from them. I sent few more requests later and also emailed to XXXX but never received their response. When I reached out to them via phone call, I was able to talk with their representatives but they kept saying that they do not have any update on my documents I gave them my contact info so that I can talk with their supervisor ( XXXX XXXX ) but she also never called me or emailed me back. 
So its been one and half month since I contacted them and until now I have no update on my original documents so I am not able to set the closing date of my coop apartment sales. I was supposed to close on XX/XX/XXXX but it has been delayed till now only because of their delayed process. Every day, I am losing my money about {$76.00} for the mortgage and the maintenance fees. And also, my purchaser has to extend his 1-year lease agreement if we fail to close within this month. 

My mortgage loan has been transferred to XXXX XXXX XXXX on XXXX and 67 days ( 45 business days ) have passed since then. If XXXX XXXX XXXX can not find my original documents by today, they have to admit a loss of the documents. And they have to pay {$400.00} to obtain new original copies from the coop management. I am already losing {$1800.00} due to the companys delayed process so the companys immediate action is required.
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by Equifax. XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... I don't ever recall paying any of these accounts late/after the due date. On XX/XX/XXXX, I complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of Equifax with regards to these accounts. I provided them proof of the inaccurate credit reporting. Equifax did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. On XX/XX/XXXX, I once again wrote Equifax directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX XXXX listings. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that Equifax received the dispute. A copy of this complaint as well as past CFPB complaints on Equifax is going to the FTC, Georgia Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.
I applied and was approved for a venture one / capital one visa XX/XX/XXXX. Prior to making application by phone, I call, spoke to a rep and confirmed that I was applying for and eligible for the offer that was mailed to me ( 0 % Intro APR on purchases and transfers until XX/XX/XXXX ). Again when the card was received in the mail, I called and spoke to a rep and confirmed that I was eligible for the 0 % Intro APR on purchases and transfers until XX/XX/XXXX offer. The rep also provided me with details on how I could complete a transfer by phone on XX/XX/XXXX. I called on XX/XX/XXXX to complete the transfer and was placed on hold approx 20 minutes before being able to speak to a supervisor ( XXXX, VA call center ) who told me that I was enrolled into a card with a 17.99 % apr and that I was not enrolled in nor eligible for the 0 % apr offer for which I originally applied. He then went on to describe a lengthy process by which I was required to submit documentation in order to have my concern reviewed. Business Info : XXXX XXXX XXXX XXXX . XXXX, VA XXXX
On XX/XX/XXXX Experian placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency,  XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from Experian that there was a change in my credit score. Experian dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my Experian credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun Experian penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by Experian, XXXX and XXXX  are cause for investigation into the companies themselves.
Transunion has not conducted a thorough investigation my inaccurate accounts on my credit file with them. The accounts has very inaccurate items reporting that are not and could not have been verified. They need send me proof or I will be forced to file a small claims suit and FTC complaint. I am writing through my own due diligence and telling me that the verbiage of my complaint sounds like something I would n't write is an insult and will be noted as a stall tactic to not conduct a proper investigation. Attached is my identification to show that it is me. This is for file number XXXX Dated XXXX XXXX, 2016
On XXXX/XXXX/XXXX I was XXXX at XXXX and the suspect took my wallet, watch and cell phone. My wallet contained ID, personal document and credit cards. In the cell phone there were stored all my personal information, SSN, internet banking passwords, copies of the checks and checking and savings account numbers. I immediately informed police regarding this matter and they told me to change the cards and accounts which were affected and inform credit bureaus to place a fraud alert on my credit report. I placed the fraud alert on my credit bureaus and started updating banking information for all affected banks. 
On XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> I visited XXXX BOA branch and asked them to change my checking account number because of the facts mentioned above. The banker suggested me to close the old account and open a new one, as they could not change the old account numbers. I did whatever they instructed to me. I withdrawn all my money from old account and deposited to the new one. The banker was very helpful and persuaded me to reopen my closed business account ( which I closed this year because of changes in their fee policy for business account and saving accounts ) which I agreed to do. They asked me to verify my SSN because of the fraud alert from XXXX and i have shown them my SSN and I passed the verification. On XX/XX/XXXX I received a strange mail that my accounts were closed after ''careful review '' and no reasons were provided. 
I was banking with BOA for XXXX years never had any negative experience and buddies from my part and they closed my account after they instructed me to open a new account instead of changing the old one. I was victim of XXXX XXXX and my valuables and personal information were stolen. Now I am getting such a support from BOA. Nobody from branch contacted me and informed about decision. They told me to close the old account and open a new one as it was much safer. Bad service zero communication and support. 
I am attaching police report from XXXX XXXX police department to my complain. I am ready to provide any additional document as needed and contact of detective who is investigating this case.
RE : NAVIENT STUDENT LOAN SOCIAL SECURITY NO XXXX ; Account # XXXX Hello : Navient Student Loan Company has mistakenly listed my student loan amounts due, twice, thus doubling my balance from approximately {$150000.00} to approximately {$300000.00}. 

See the attached. 

They also have not sent my invoice for the next student loan payment amount, purposefully so that I default and have to pay additional " collections fees. '' Please investigate and advise. 

cc : Pennsylvania, New York & Delaware Attorney Generals, US Department of Justice, Delaware XXXX XXXX XXXX Kind regards, XXXX
I overpaid them in the amount of {$71.00} and they acknowledged that. But each time I called they gave me the same answer that they are waiting from who ever handled the investigation and I will be notified this was going since XX/XX/2018. Thanks
My truck I worked very hard for was taken XXXX XXXX. It had a title loan on it. They took it and sold it. They claim I last paid XXXX XXXX. I did not even have the truck and filed a release of liability with the XXXX when it was illegally taken. They put the wrong date on my credit report to cause me problems. I did not pay on the truck as it was taken illegally. Please get them to put the correct date. When it was taken it was paid in full. XXXX XXXX did this and filed false criminal charges against me with XXXX.
XXXX Colleges, operating under the name XXXX XXXX, in XXXX XXXX, WV promised to enroll me into an XXXX program that did not exist. Their pitch was " complete the XXXX program and you will then move to the XXXX program. '' Midway through the XXXX program, I learned that no XXXX program existed for XXXX XXXX in West Virginia. I completed the program because I was too far in to turn back. I received a " Genesis '' loan that is now owned by University XXXX XXXX.
I called to sign up for the rate reduction plan again. I was made to believe that it was complete and would be reflected in my next statement ( {$420.00} ). I was then charged without being notified, twice for my loans ( {$820.00} ). When I called to get the problem resolved, they said it would take 10-20 days for a refund and needed a bank statement to show that they bounced my checking account. I called 3 separate times with all completely different answers about how to result the issue. My loans are still not refunded. Then when checking my account today XX/XX/17, I saw that only three of my loans were qualified under the new rate reduction plan ( {$420.00} ), which have always covered all four of mine, and a new charge had been added for the forth ( {$180.00} ). All the interest rate tripled since this month ( 8 %, 10 % ), and I have no been able to get anyone on the phone to remedy this serious issue.
I personally contacted all three credit bureaus ( EQUIFAX, XXXX AND XXXX ) starting in XX/XX/2018 regarding lots of excesive inquiries by auto dealerships and other collection accounts. I demanded by phone and in writing that all inquireries not associated with an active account be deleted/removed immediately from my report. I was told by each bureau that that would conduct their investigation and I would receive an updated report afterwards within 30 days. 

I received the reports in XX/XX/XXXX and XX/XX/2018, however no inquireries were deleted/removed from my report by all three bureaus. Their findings were for " permissible purposes by the creditors :. 

I called each month for four months and only XXXX has deleted inquireries and inaccuate account information from my file. While XXXX  and Equifax insist that their reports are accurate and constantly direct me to call the creditors or provide them with " WRITTEN AUTHORIZATION '' in order to remove/delete inquireries. I mailed written demands to all three credit bureaus. ( see attached ) Please find my fair warning notice and request for deletinon/removal of all negative information from my accounts. 

XXXX XXXX XX/XX/2018 XXXX Certified Mail Return Receipt # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX Transfer of carrier. Debt Collector # XXXX for {$140.00}. was paid but not taken from account reason, the XXXX obligation to pay remaining contract balance. Then brought to a Collector - XXXX XXXX, XXXX XXXX notice received on XXXX/XXXX/15 to stop this collection, {$81.00} was paid as settlement amount for the {$140.00}. Confirmation # XXXX was given and collection settled. Today, Received another Collection Notice in the amount of {$71.00} with a settlement amount of {$32.00}. Under a different collection agency named : ERC.
I paid off my capital one card and closed this account in XX/XX/2018. all the other credit card companies have been wonderful to work with except for capital One. I was approved for a debt consolidation loan from my bank in XX/XX/XXXX which collected all my statements and mailed out checks paying off my credit cards to a XXXX balance. I DID call all of my credit card vendors informing them they would be receiving a check in the mail to pay off my cards. all my credit cards were paid off in full except for capital One who is being very difficult and not working with me about interest charges or late fees. I did pay my bill on time every month. There was a holiday in between the checks being mailed out and I wish they would have put it in my account so I could have paid these bills off online but that is not how it worked. I called capital One to explain the situation they told me once I close my account all the interest and late fees would betaking off and I would have a XXXX balance which I do have a letter in the mail from capital One saying that I did have a XXXX balance. They now have it on my credit report that I owe them {$71.00} and then charging me late fees and interest charges still to this day over this credit card that was paid off and closed in XX/XX/2018. I do not owe them any money. I called and close this card in XX/XX/XXXX and I am still getting interest charges in XX/XX/XXXX and XX/XX/XXXX and late fees of XX/XX/2018. I have tried to call them 3 or 4 times and they are very argumentative and not wanting to do away with these charges that I do not owe. please can you do something about this credit card company that does not work with anyone trying to get out of debt. I'm sure the calls are recorded and I know there is one that is recorded saying that the representative told me there would be a XXXX balance after this amount in XX/XX/XXXX was paid off and when I close my account in XX/XX/XXXX that I would have a XXXX balance.
XXXX XXXX went through a tumultuous divorce and then became very ill. As a result, she fell behind on her mortgage and now is facing a sale date on XX/XX/2018. She has since got back on her feet and works as a caregiver and also collect rental income. She can maintain the mortgage payment and need only a loan modification to bring her current, giving her a fresh start. She will be submitting a full assistance request to Select Portfolio Servicing attached to this complaint with the CFPB. XXXX XXXX will also be enlisting the aid of her Congressman in regard to the postponement of her sale date. 

XXXX XXXX requests that the sale date be put on hold while her new assistance request is under review, per the California Homeowners Bill of Rights and Dual Tracking : 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. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. 
Verification of documents : Lenders that record and file multiple unverified documents will be subject to a civil penalty of up to {$7500.00} per loan in an action brought by a civil prosecutor. Lenders who are in violation are also subject to enforcement by licensing agencies, including the Department of Business Oversight, the Bureau of Real Estate.
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

Also in accordance with the Fair Debt Collection Practices Act 2009, I am asking you to immediately stop all collection activities about this debt, including reporting to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of Identity theft, and can not be collected, sold or transferred. 

I have already notified American Express and have sent over all the necessary paperwork, I am also asking XXXX XXXX XXXX XXXX XXXX to do the same as stated on the Fair Debt Collection Practices Act.
My name is XXXX XXXX, I am filling a complaint against Chase Home Mortgage for their miss treatment, and carelessness toward the homeowners. On Monday afternoon XXXX XXXX, 2015 I received a letter from Chase Home Mortgage stating my loan was being transferred to an entity XXXX starting XXXX XXXX I was in shock, stun overwhelmed, they do not give you any information of this entity, how can they expect the homeowner to make a mortgage payments when they notify you within days from your next mortgage payment. It is my belief they are doing this malice, deceitful practices against the homeowners in order for you to fall behind your mortgage payment as a result you lose your home. 

I have been with chase for several years, I did not request my loan to be transfer to this entity, I have the convenience of taking my mortgage payments directly to the branch assuring my payment gets posted and received. I call Chase Home Mortgage on Tuesday XXXX XXXX, 2015 advising them I was refusing to have my loan transferred to this XXXX entity and their respond was You Do Not Have Any Say So In Ths Matter " can you believe this ''. How is it possible for these banks who are serving our loan to transfer the loans without the home owner 's permission or acknowledgement this is clearly a violation and unfair practice against the home owners, if a homeowner request to stay with the servicer who is serving the loan it should be granted not denied. I am requesting investigation for the malice, scamming and deceitful ways. I request you put a stop to these transfer without the homeowners approval. 
Thank you XXXX XXXX
I have tried numerous times to get this non-compliant reporting situation fixed. Trans Union credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance XXXX reporting under the Fair Credit Reporting Act. 

The Metro 2 Five points of compliance clearly states the following ... 

**1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , XXXX , XXXX and TransUnion , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Trans Union continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Trans Union refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.
I lost my whole wallet with all my I 'd social security card in there and that how someone got hold to my account information
I attempted to make my rwgular payment of {$100.00} per month. The customer service told me I needed to pay {$170.00} because I was over my limit of ( {$5500.00} ). When I opened my account I never agreed to be allowed to charge more then the limit given. 

I was allowed to charge {$800.00} over my limit. I was advised in 2009 companies were not allowed to allow the consumer to use more then their credit limit. 

I was told today I must bring my account current to avoid incurring over limit & late fees. 

I do not feel this is right.I feel they took advantage.
I got a notice from fcc collections It was an amount that was Outrageous, I first called my lawyer XXXX XXXX & XXXX XXXX they wrote a tetter that I am attaching. They then called the collection agency to ask for an accounting to date they have not sent it. I called both transunion and XXXX numerous times to complian. The last response was from Transunion was that the credit agancy said nothing was wrong with the account and they do not have an accounting available. Nothing is being done but atleast Transunion requested it. I am requesting it for a few reasons by law first consumer law 611 5 a says that the credit agancy has 30 days to reply with information oin the inquiry, Second by law the rental company who is claiming I own the money is not abiding by the rental laws, I have requested the acconting to prove that I owe the money, My lawyer asked for it the County asked for it. The collection agancy has still not come up with it. It has been 180 days and counting far past the 30 days that is required to come up with proof of the debt according to the law. Again accouding to the collection agancy " we do not have one available '', If I have submitted XXXX complaints the credit agancy has not done so yet.
Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX ( XXXX ) credit cards from XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to Transunion and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX 's credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX 'S credit file.