WillisBack/dataset-financial-user-claim huggingface dataset:
Reviewed by phone my equity line of credit with Wells Fargo Bank. The recorded information states that on XXXX XXXX, 2016 a " transaction '' for {$430.00} was made. This transaction was not made by me. Nothing was added to my balance. 
Talked with Equity Line division by phone. They did not see this transaction on their computer screens. Went into the bank. They also could not find this transaction. Used my cell phone to pull up my account, handed it to the manager so he could the recorded message. A " glitch '' is what he suggested. 
On XXXX XXXX, 2016 I paid the remaining balance but did not close the account. I did close other accounts but kept my checking and XXXX accounts. 
The is no paper work showing this transaction. I 'm wondering if I 'm the only account holder that has had this experience.
Mr. Cooper my mortgage company is saying that I have missed payments on my mortgage, however, I am up to date on my payments. I have spoken to 3 different representatives and each of them keeps telling me they are looking into it but no one gets back to me. At one point my mortgage showed due for the XXXX payment, and then once they appeared to start looking into this it is now showing due for the XXXX payment. Then, I received 2 letters telling me that my account is due for my XXXX payment and threatening foreclosure. I left 2 messages today for one of the representatives on the letter-XXXX XXXX and still did not receive a call back. I called again and spoke to another representative XXXX XXXX in the same department as the other representative who told me that the problem has been fixed and that I am now due for my XXXX payment. I have gone through all my statements all the way back to XX/XX/2018 and can prove that each payment has been made and I should be due for the XXXX payment. I spoke to a customer service rep a few weeks ago, who agreed with me that I should not send in my XXXX payment until this is resolved so that Mr. Cooper does not get confused in trying to resolve this issue. 

One of the reps told me the reason they are confused about my payments is because I have been making partial payments. I explained that I spoke to a representative several months ago who told me that I could go on their website and click on the " Make a Partial Payment '' button and make my payments that way. It says, " We understand that sometimes you are only able to make a partial payment. But keep in mind, you need to make your payment before the due date. '' This is what I have been doing since my paycheck is not enough to cover our entire mortgage payment. Our payment amount is {$1700.00} and I have been paying {$1800.00} a month. If their computer system can not handle customers making payments like this then they should not offer this option on their website. I have attached my bank statements all the way back to XXXX showing my payments. Below are the dates and amounts of each payment and which payment these amounts have paid. 

XXXX pmt- {$1800.00} debited from my account on XXXX XXXX pmt- {$600.00} debited XXXX, {$500.00} debited XXXX, {$700.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$700.00} debited XXXX, {$500.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$500.00} debited XXXX XXXX {$600.00} debited XXXX, {$700.00} debited XXXX {$1800.00} XXXX pmt- {$1800.00} debited XXXX
I attempted to consolidate my loans to be placed on a different payment plan in order to lower my monthly payment amount. After being told different information by 3 different customer service employees when I called, I finally got the ball rolling in XXXX. I was told that I would HAVE to be placed on forbearance for the month of XXXX to give them time to process the request and that my next payment wouldn't be due until XXXX. I asked the person on the phone MULTIPLE times to confirm that I would NOT have a payment due in XXXX. I received documentation from Navient stating that my forbearance was approved and my next payment wasn't until XXXX. On XX/XX/XXXX I log onto my account to find that it says I have 2 past due payments. When I called customer service I was told that I was never placed on forbearance. In order to make my account current, I had to be placed on forbearance for this month and my next payment will be due in XXXX ( hopefully ). I keep getting wrong information and Navient is not doing their job. Had I not checked my account, this could have severely impacted my credit. Not to mention it is extending how long I have to pay off my loans, which is adding more interest. Because of their mistake.
someone used my information to obtain a loan on a vehicle that I have never owned. and it is showing up on my credit after notifying the company that my stolen identity was used to obtain this loan no 0ne would ever respond this is after getting a police report and notarized id theft affidavit as well.
This debt was fully paid through garnishment and fully satisfied on XXXX XXXX but they continued to garnish my wages even after I contacted them to stop. They threatened to take me to court again and claimed I owed them an additional $ XXXXXXXX. The collection agency attorney even sent a signed court document dated the XXXX of XXXX showing my full satisfaction of the debt. I had to file for a hearing with the judge in order to get the cease garnishment letter filed and as an attempt to recover my over paid funds. Then on XXXX XXXX the attorney for the collection agency sent me another letter claiming I owed them {$2400.00} and that I needed to provide more proof that I did n't owe! This company and their attorney are violating the Fair Debt and Collection Act, exercising malicious prosecution, and abuse of process! I have paid my debt now they need to leave me alone!
Company contacted distant relative relating information about the debt owed. Told said relative who they were and why they wanted to locate me. Have requested no contact with 3rd parties previously.
Needed some extra XXXX money.I applied for a {$200.00} online to Castle payday.They wanted {$100.00} a month for 9 months.I refused to pay {$900.00} for a {$200.00} loan! 5min. later a lady calls me and said why did '' nt you want the loan? I told her I '' m not paying {$900.00} for a {$200.00} loan.She tells me she can cut my payments down 4 payments of $ XXXX.I said okay.What I later found out, she gave me the same deal I did '' nt want.I had to change my bank account so they could '' nt take out anymore money.Castle payday is nothing but a " rob you in plain sight '' company!! Nobody wants to deal with a company that lies to you and robs your bank account!!
XXXX inquiryon my Experian credit report was not authorized and does not belong to me. Pleas remove XXXX  inquiries off my Experian credit report immediately.
I submitted a loan modification with XXXX XXXX XXXX through a lawyer and a specialist in modifications. Multiple meetings and all paper work was submitted and a final meeting with XXXX XXXX XXXX was held to approve the loan modification, and which was attended by a lawyer where XXXX stated the modification would go through. A few weeks later, XXXX had " sold '' the loan to Nationstar. Nationstar subsequently informed us that they do not modifications and moved to foreclosure on our house. We filed Chapter XXXX to stop the sale as soon as possible given the fact Nationstar suddenly moved against us, and filed a judgement against us and 100,000s of dollars of fees - this is after XXXX had already agreed to loan modification. In Chap XXXX, we have paid and agreed amount to a trustee which Nationstar has cashed. Nationstar has stated on the record that they are not allowed to do modifications. That is completely false, as Nationstar is required according to the agreement as filed with the SEC to continue any pending modifications. They have stated again that the " investor does not allow modifications. '' In discovery, Nationstar submitted the MSA " proving '' their case, regardless of the case that the sale of mortgages from XXXX to Nationstar required modifications. The MSA they cite as evidence ONLY states that modifications are not allowed according to Remic rules. But Remic rules DO NOT prevent modifications. 

Nationstar has completely falsified and lied about the situation and they are lying that are not allowed to do modifications.
Convergent Outsourcing Inc. 
XX/XX/XXXX {$160.00} Company mailed a debt collection letter to an address I have n't lived at for over five years addressed to a name I have n't used in two years in an attempt to collect a " debt '' due for a phone bill from XXXX. I cancelled my XXXX account in XX/XX/XXXX,  paid the final balance due and received notification regarding the {$0.00} balance on my account. When I received the notice from Convergent Outsourcing Inc stating a had an outstanding balance I called XXXX who again checked my account and informed me I was current, my account was closed, and there was no outstanding balance. I have never been behind in my payments to XXXX and have never had an outstanding balance with them. This is a fraudulent request from a company and an inappropriate request. My information should at no time have been shared with this company and with no outstanding balance this company should never have contacted me.
I signed up for a CitiGold Checking Account with Citi Bank and was enrolled in a promotion to earn XXXX XXXX XXXX miles after a specific set of requirements was met. This was in XX/XX/XXXX I believe. I fulfilled the requirements for the bonus in XX/XX/XXXX and, after I contacted Citi, was informed that I had indeed earned the XXXX bonus miles and they would be credited to my account within 90 days. Now, it has been over XXXX days and I still have not received the miles. I have talked to several representatives at Citi and none were able to resolve my issue. It now appears from they way they are handling the situation that they are not going to issue me the miles at all.
Bank of American has force placed flood insurance on my home. I have provide to Bank of America 9 years ago the Flood cert pulled on my home with my primary lender to show them I am not in a flood zone. They did nothing and did keep force Flood insurance on my home. I had finally in  XXXX    saved the extra funds to have an engineer per Bank of America to complete the LOMAR map update. The engineer completed a letter directly to my address per the information Bank of America stated I needed to not have force placed insurance. I completed and sent everything over to Bank of America in turn to be told I can have reduce forced insurance. I have been calling and each time I get a different person. I called and spoke to FEMA they stated as of the FEMA ACT of  XXXX  that my free standing shed and garage are not to have force placed insurance. FEMA told me to call back Bank of America as what they are doing to me is wrong. I this passed week was told by Bank of America that I need a letter from my home owners insurance agent stating I have no running water in my garage, no bedroom in my garage no bathroom or kitchen in my garage. I asked if they wanted the orginal appraisal they did on the home over 7 years ago last time they were in my house to show no running water. They stated no that get them the letter and they would review per the  XXXX  FEMA ACT. I have a letter sent in last week to Bank of America to stop the force placed FLOOD insurance on my home. Again my 1st. MTG. company states I do not need flood insurance. Bank of America equity line of 30K states I need flood insurance. this letter was sent over and I am waiting on a reply. I called FEMA and they told me I should reach out to CFPB for help as they could not understand why I have been treated this way. They did not understand why I needed to provide a letter as they MAPS of FEMA state and show I am not in a flood zone. I have spent money to pay for engineer and to file the LOMAR and I have taken off work to deal with this and I am getting no place with Bank of America trust me if I can afford to pay them off or to get my 2nd refi. I would I need help please
I was on a forbearance plan due to Hurricane Irma from XX/XX/XXXX to XX/XX/XXXX, I had {$30000.00} worth of damage to my home. I was placed on the plan by XXXX and was told that they would not report me to the credit bureaus. XXXX   sold my account to Specialized Loan Services XX/XX/XXXX, at the end of my forbearance plan, XX/XX/XXXX, SLS reported me 6 mths delinquent. SLS put me on a 3 month payment plan, loan modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently ran my credit and they have reported that I have been delinquent for those 3 months even though they set up automatic payments to remove them directly from my bank accounts, which the payments were removed before the XXXX of each of those months per my bank statements. When I contacted SLS to ask if they received those payments during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they stated yes, but those were applied to the previous months that I was on the forbearance plan. I asked how that is possible when they told me those 6 mths I was on the plan were put on to the end of my account, they could not answer me and told me that is just how it works. I closed on this house on XX/XX/XXXX, which SLS said that they are aware of, but am unable to get approved by any other lender due to how SLS is reporting my information to the Credit Bureaus. Any assistance that you can provide would be greatly appreciated.
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. Midwest Recovery needs to remove this account off my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.
I was contacted by the debt collection company and informed that I was liable for an outstanding debt that after the accumulation of interest amounted to over {$5000.00}. I was informed that it stemmed from an outstanding unpaid bill with XXXX XXXX/JCPenney from 2008. While I made purchases from JCPenney in the past, I have no record or recollection of any such outstanding bill nor have any such bills been reported to any of the three credit reporting bureaus. I am of the opinion that this is a fraudulent debt collection attempt. 
The company identified itself as ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX
I have had a loan with TX EZ Money for several months now and as of XXXX XXXX, 2015 I was informed that they were going out of business and my account would no longer be accruing interest I would just be responsible for the principal. 
Today I called in to make a payment as scheduled and I was informed by XXXX, an employee, that she was going to refer me to another payday lender so I could apply for another loan to have my loan with TX EZ Money paid in full. 
I told her I was not interested in applying for another loan with another lender and that I would continue to pay my loan on my regularly scheduled day. 
After 45 minutes I received a call from XXXX XXXX payday loan asking me to go in and fill out paperwork and take all the required documents to apply for a new loan. I do not believe that this is a fair practice. I am no way obligated to try and get another payday loan from anyone and they shared my information with others without my permission.
I filed a previous complaint on the company four months ago. In their response they said they would send validation and they STILL HAVE NOT SENT ME ANYTHING REGARDING THIS ERRONEOUS ACCOUNT. This is absolutely ridiculous! This company has violated Finance Code Chapter 392 Section 392.201. The law says that they must send all files concerning that consumer no later than the 45th day. I originally disputed this account in XXXX and never received anything. Validation will not do at this point and time. THIER TIME TO INVESTIGATE AND REPORT TO THE CONSUMER IS UP!!! I will be filing a complaint with the FTCXXXX and the XXXX today!
In XX/XX/2016, I Re-Requested a Credit Bureau Membership and a Credit Report on ( XX/XX/2016 ). I found a Promotional Inquiry dated ( XX/XX/2016 ) for a PayDay Loan. I contacted the Lender ( whom ) Stated that, Either a Letter or Email was Submitted for an Online PayDay Loan. I was told that, they Could not. go as far Back enough to describe ( how ) the Application was Networked that is, by Email or US Mail and that, ( how ) the Promotional Inquiry was Acquired thatbis, from a Credit Service, Credit Management, Credit Corporation or a Collection.
I've been struggling to pay this loan back because of a change in mine and my wife 's income! I've made payments the last several months to avoid " Charge Off '' and called to the company again today because I received another letter that was delivered to my house on Saturday XX/XX/XXXX. The letter was dated the XX/XX/XXXX and was delivered the XX/XX/XXXX. It arrived XXXX XXXX. Normally these letters arrive in the mail and have a more timely window before demanding payment. I informed the company over the phone that I was not able to make the payment of {$95.00} this month. My wife and I are in a rent agreement with our landlord to pay {$500.00} a month and my wife does not get paid until Thursday. As of the end of the month I would not have the funds available to cover the loan payment because of needing to cover my rent! I informed the company of this important matter and was then forwarded to payment assistance. For the past few months they have been telling me that I could be forwarded to payment assistance to a get a lower payment plan but there is a never a solution to extend a period of grace for me to make this payment. I missed a few months of payments 4 to be exact due to leaving my job and starting my own business. I have told the company of this matter several times and that I've had a cut in my mine and my wife 's income by about half. The company has not tried to make a negotiation with me to help lower my monthly payments. Most companies are willing to help you out and allow you to make lower monthly payments and I know this because I'm working with other companies I have debt with and normally even if your several months past due and have missed payments they work with you. This company does not have any kind of assistance. I have tried working with them to make a plan but all that they demand is the amount due before the loan would charge off. I've expressed my desire to leave the company all together and do banking with other companies. A financial hardship is difficult to overcome and when you are in the midst of it and have fallen behind the least you expect is that these corporate companies can work with you. I have attached screen shots of my phone showing last months payment, my current bank account balance, my recent letter from Wells Fargo, my rent payment from last month that shows I pay rent the end of the month and the amount in which I pay. I have said to them on the phone that I could not make the payment because of having to pay the rent expense. They refused to work with me or allow me to post date a payment because of the duration that the account is passed due.
I applied and received a preapproval from HomeBridge Financial in XX/XX/XXXX. I found a townhome and went into escrow in XX/XX/XXXX, the loan officer ran my credit numerous times so he was aware of my credit score and finances, he requested documents as required and I complied with everything. In XX/XX/XXXX a offer was accepted and he informed me that my loan documents had passed underwriting and that I needed to pay the ( non-refundable ) appraisal fee to process the loan. I inquired on numerous occasions if we were good to proceed as I didnt want to spend money on something that was not going to work he said yes well the conventional loan failed underwriting, he then asked me to write a letter removing a dispute from my credit report stating it was a underwriting requirement for a conventional loan which it is not, he then stated it was my fault and my credit score as it had gone down from use when I provided him with documentation to the contrary and that my score was lowered due to his multiple running of my credit and removal of dispute he said we can get a fha loan after 60 plus days in escrow and his inability to secure a loan I am now left with a financial loss due his lack of knowledge or unethical conduct.
To : CFPB XXXX XXXX XXXX, OH XXXX XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a medical bill ( allegedly ) without any other information including the servicing/collecting party. I have no knowledge of any medical bill taking place in XXXX ( where I have never lived ). I have no knowledge of this alleged bill. I believe this is a mistake in reporting. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX
Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a 'permissible purpose ' I am writing this letter. 
I do n't recall applying for credit or several COMPANY'SYou state it yourself on my report. Unspecified I did include some definition of Unspecified. I did not authorize to run my creditFrom the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] '' ( : D Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''
In XXXX 2016, a new collection account had posted to my credit report from a company that I had never heard of. I called the company, because I never received any notification to dispute this debt prior to it been reported to my credit report. 

On XXXX XXXX, I sent a certified debt validation letter requesting this company provide me with proof of the debt that they are trying to collect. It 's been 30 days and they refuse to send me any information that proves to me that there is a legitimate delinquent debt that I owe to them. They are negatively impacting my credit report with inaccurate information and I was n't given the opportunity to dispute the information.