WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. Equifax,  XXXX  and  XXXX   XXXX  has the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.
On XX/XX/XXXX I received a payoff letter from Ally Financial when my husband and I were buying a condo. We closed on XX/XX/XXXX and a check was made payable to Ally Financial for the amount stated in the payoff letter. I contacted Ally in XX/XX/XXXX as it was still showing open on my credit report. They assured me they would take care of this. Fast forward.. I contacted them several times since then to dispute the same problem. Same answers were given. It is still showing open on my credit report, it is s now XX/XX/XXXX and many months later and I need some help to get this to show closed and off my report. I am attaching the payoff letter and the cancelled check from the title company. Can you please help me?
I 'll try to make this brief : Beginning in XX/XX/XXXX, I began having problems with my XXXX phone and charges. I ordered a new phone through them and it was defective. I made several trips to the local XXXX store but problems continued and I was told the phone could not be repaired. They sent a new phone to the local store but then wanted {$20.00} shipping. I refused to pay that since the worthless, defective phone was not my fault, plus I DROVE to the store to pick it up. In the meantime, my XXXX charges went from the quoted {$85.00} per month to {$120.00} per month, with no explanation. Calls to customer service were useless and I finally got phone service with XXXX. I attempted to return the defective XXXX phone to XXXX different stores and they all REFUSED it. XXXX began contacting me, saying that I owed ridiculous amounts of money, then collection agencies began contacting me. DIVERSIFIED CONSULTANTS called me in XX/XX/XXXX and I told them what I am telling you -- that I did NOT owe this absurdly outrageous {$500.00}. The agent then asked me if I was disputing the charge and I said YES. He said that was fine and that he had made note of it and SOMEONE WOULD BE CONTACTING ME about the dispute. No one ever contacted me and I discovered today that DIVERSIFIED CONSULTANTS has reported this to XXXX XXXX as a collection/charge off!!! I called Diversified today and was told that this should NOT have gone against my credit since it was in dispute and that she would give the information to 'administration ' and for me to call back in two or three weeks. My credit score was XXXX out of XXXX, showing that I am a very honest and responsible person. XXXX has been wrong about these charges ( and their terrible customer service ) and Diversified has deliberately lied to me -- saying in XXXX that someone would be contacting me about my dispute -- when NO ONE contacted me and it was put against my credit.
Ocwen has increased my payment monthly and will not give me an answer why. I keep getting notices from them monthly that I am behind in my payments. I have all the bank statements that prove I was NEVER delinquent in ANY of my payments. I refinanced my home ( apparently through them ). I am not sure. I have NEVER had a problem with my mortgage ( paid on time ). I am on XXXX and collect only {$1200.00} per month. My mortgage payment went from {$760.00} to over ( what I believe to be XXXX almost {$900.00}. I keep getting letters from them every month in regards to possible foreclosure and when I call them, they tell me my equity is in arrears. I've had this mortgage for 11 years and it never increased. I can not afford to lose my house that my late husband bought for us. As I said, I am on XXXX and can NOT afford this increase. PLEASE let me know what I can do, I am scared. 

XXXX XXXX XXXX XXXX : XXXX XXXX
This company repeatedly made fraudulent calls stating they were debt attorneys and they would be filing suite against me for a debt I did not own. After submitting a complaint with CFPB they stopped calling, but proceeded to put a negative mark on my personal credit. I called them back twice to get ANY information / paperwork that would explain how they fraudulently acquired my social security number to put the derogatory mark on my credit, but they refused to provide me with any.
I called into transunion in XXXX and spoke with a supervisor about XXXX XXXX accounts that I had that where due to come off my report. I told him that the open date and the date of first delinquency was wrong and according to my records, it was time for them to come off my report. The supervisor told me that if I called back in XXXX of 2016 and requested a supervisor to look at the accounts, they would remove them immediately. I was ok with this because it was only a few months. I called back today and requested a supervisor. I told him what I was told in XXXX and that I wanted them removed. He looked at the accounts and told me that because of the dates they have reported, it would be XXXX of this year before they would be removed. That is not what I was told and the dates of the accounts being opened are not the same as what they where when I called in XXXX. I think that is the reason why this supervisor said they wouldnt be removed for another 10 months now. There is also a collection associated with XXXX of these accounts that should be removed as well because of the dates of first delinquency. The accounts are XXXX with account number XXXX, XXXX with account number XXXX, XXXX with account number XXXX, and XXXX XXXX with account number XXXX. All XXXX XXXX accounts where opened on the same date and the last payment was made at the same time. This was over 7 years ago which means they should be removed according to the FCRA. I just want the accounts removed like they said they would do since it is past the time they should be reported. I do not want them disputed as I did that already and I think that is what caused the dates to moved and now I am having problems getting them removed. Transunion needs to honor what they say and remove all XXXX accounts since again, they are past the time that they should be reporting.
Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters
I went to court seven years ago XXXX I did with a gentleman I paid him the XXXX dollars the judge ordered me to and now it is showing on my credit for the full XXXX rather than the XXXX $ the judge ordered me to pay and it is showing like it is a bill or judgement against me which is preventing me from getting a house.
I sought student loan rehabilitation and ECMC stated that I could rehab for 5 % of income/month. I filled out their application and in the fine print in the contract ECMC states that the outstanding balance and collection costs would be capitalized and monthly payments would be based on the recalculated principle and interest balance at time of rehabilitation up to 16 %. I wrote back to the representative and stated that I was going to have a third party look at the contract and would get back to them. While I was seeking third party help ECMC went to court and obtained a garnishment for 15 % of my paycheck. 
I was ready to rehab my SL and started the process to do so. What can I do to reverse this decision and rehab with the XXXX? 
These student loans were borrowed for matriculation thru the XXXX from XXXX. The school has since closed. 
Thank You for your consideration, XXXX XXXX XXXXXXXXXXXX
In XXXX, XXXX, I pulled my credit report and found an account I was not familiar with that was in collections with a company named XXXX XXXX XXXX. It stated that it was a closed credit card account and the original creditor was HSBC. On XXXX XXXX, XXXX, I sent a request for debt validation to both XXXX XXXX XXXX and HSBC regarding this account. XXXX responded on XXXX XXXX, XXXX, stating they could not validate the debt and would instruct the credit reporting agencies to remove the XXXX account from my credit report. HSBC never responded. In XXXX, XXXX, the credit entry by XXXX was not removed, the creditor name was changed to HSBC and noted as a Charge Off. In XXXX, XXXX, I filed a police report for identity theft with the XXXX County Florida Sheriff 's department regarding this account. I supplied this report to the credit reporting agencies XXXX, XXXX and XXXX in a formal dispute of this account. XXXX and XXXX removed HSBC from my credit report after fulfilling their own dispute validation processes. XXXX continues to report HSBC on my credit report and states it has validated the debt each time I have disputed it with them. On XXXX XXXX, XXXX, both HSBC and XXXX were sent letters from me. The HSBC letter was a second debt validation request and it included copies of the first request sent to them, XXXX XXXX XXXX response and the identity theft police report filed in XXXX, XXXX. XXXX included the same copies, with a letter requesting a full investigation of the debt. Nine days after XXXX opened the formal investigation, the closed it stating the debt was validated. Meanwhile, as of XXXX XXXX, XXXX, HSBC still has not provided the validation I requested. This account is not mine and I am struggling with the creditor and XXXX to properly validate the debt.
Suntrust Mortgage provides a horrible level of customer service. My mortgage loan was sold to Suntrust through no choice of my own. I have been trying to make an online account for almost two weeks, since THEY ( Suntrust ) changed their website, and my old login no longer works. When I try to create the new account, I receive an error message stating, This service is temporarily unavailable. Two weeks is more than temporarily. When I try to call, I am consistently on hold for OVER FORTY MINUTES!! The main reason for my call is that my autodraft amount has changed against my will. I have previously requested that an extra amount be drafted each month. This extra amount has not been drafted since Suntrust has changed their system/website. This change is going to cost me more over the life of my loan, through no fault of my own. In the past, Suntrust has also erroneously reported on my credit report. If anyone reading this has any choice in the matter, DO NOT ALLOW SUNTRUST TO SERVICE YOUR MORTGAGE LOAN. I wish my loan could be transferred to another servicer, and that these inadequate service levels would not be tolerated in the industry.
I have written more than one letter to XXXX XXXX most recently in XX/XX/XXXX, about many of my payments not being accepted towards the Public Service Loan Forgiveness ( PSLF ) program. I have been employed in a public service capacity since XXXX, and have made sure to remain in a payment plan that was qualifying since the inception of the program. I have even highlighted some of the payments I have made after receiving records of payment via the XXXX XXXX XXXX via a FOIA request, enclosing them proof of payment. 

Despite these repeated inquiries to XXXX XXXX, I have not received any response whatsoever.
On XX/XX/18 I received a unexpected transfer into my XXXX account. Unbeknownst to me a relative had meant to send money to a different recipient. I researched XXXX help page and learned that XXXX  would return a payment made by mistake at the request of the payee with the recipients permission. ( See attached ) The recipient requested a cancellation so I contacted XXXX customer service via chat within their app. I informed them of the situation and authorized the payment to be cancelled, as it was still in XXXX system - as is required according to the help page ( Reference attachment ). I was told this wasnt possible because my account was frozen and that theyd paid something on my behalf ( which I didnt authorize ). They informed me that in order to cancel the payment I would be required pay my balance. I was unable to pay it in full at the time and didnt know theyd even made a payment on my behalf. I could find no verbiage in any disclosure that contradicts what their help page states. The verbiage on their page is misleading in stating that after the recipient contacts XXXX to confirm cancellation that ( XXXX Customer Service ) would be happy to take care of the rest. The customer service agent ( s ) I spoke with were very unhelpful and unprofessional. 

XXXX chose to hold a payment that wasnt authorized for me in order to have me pay a balance on my account. Furthermore, XXXX wouldnt let me make a payment on my account from my current balance ( which at this point now had {$400.00} of someone elses money which they were holding hostage ) -forcing me to make a payment with an outside payment source in order to collect fees. Between misleading information regarding the process of cancelling a payment and the fact that they are holding or forcing me to hold money that was not intended for me and thus doesnt belong to me, I believe XXXX has violated CFPB regulation.
I require your assistance. On XX/XX/2016, I received a letter from Wells Fargo Home Mortgage along with a {$790.00} check # XXXX, dated XX/XX/2016. The letter stated that they returned my payment because it was less than the total amount for full contractual payment. In the past, they have accepted partial payments and also on more than one occasion, 2 payments within a month. 

Since I have been serviced by Wells Fargo Home Mortgage, I have been misled, intimidated, threatened, as well as lied to. I desire to keep my home, and Wells Fargo sent a notice regarding foreclosure. Wells Fargo employees have told me to " get rid of my car '', cable, cell phone, internet, etc. I 've lived in this home over 18 1/2 years, and I am now a XXXX. I do not appreciate this type of treatment. Home appraisers have appeared on my property unannounced. I have been served with a summons ; and received harassing phone calls at all hours. XXXX. 

About four years ago, I called Wells Fargo & repeatedly questioned the letter I received about sending payments to another mortgage company. I was finally told to continue sending my payments to Wells Fargo. 

In addition, I have been charged late payments, due to the timing of my income, which is two weeks after the due date. Time and time again, I have explained this, but without resolve, adding more stress. I also explained to Wells Fargo that I receive my income on the 4th Wednesday of each month. This is the reason I have sent late fees with my payments. My attempt to split the monthly payment was denied. The last payment I sent was returned after a month. 

Although I am applying for a loan modification, I am having difficulty. Several Wells Fargo employees told me information inconsistent with what the others have said. It was suggested that I call a representative with questions and/or problems and I would be contacted. There has been no response to my voice mails. The information that I was asked for, was supposedly being added to " the system ''. Later, another employee asked me for the exact same information, later apologizing for the error. It is both disgusting and humiliating to hear such lack of integrity by those who represent Wells Fargo. 

I wish to send the last payment again, but fear it will be returned. The {$4800.00} balance owed, ( I was told by phone ), would be added to the end of my mortgage. The half ( {$2400.00} ) I offered to pay was refused and I have not been assured in writing, that the final balance would include the past due amount. 

Speaking to a department head or just getting his or her phone number was hopeless. Either I was told they did n't know who it was or could not give a telephone number. This is a dilemma that I am unable to solve alone. Up to now, no one has answered my appeal. I am not in any way refusing to accept my responsibility and I 'll not give up or walk away. 

Thank-you in advance for helping me to resolve this matter.
I have contacted Experian several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Experian to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Experian. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Experian that XXXX accounts can not be disputed though Experian and is not Experian 's policy to investigate fraud on a report. 

I told the representative at Experian i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.
I made my last payment to Wilshire Consumer Credit on XXXX/XXXX/XXXX in the amount of {$120.00}. 
Web site reflects the payment as well as a XXXX balance. I contacted them today at about XXXX pdt and inquired as to the status of when the title is to be released back to me. Attendant stated that due to the payment not being made via certified funds that I did not follow instructions of which i was never notified of such. I stated that the payment cleared my account on XXXX/XXXX/XXXX however she did not care to listen. I just want the title back. These folks are the most UN-professional and certainly should not be allowed to be in business. 

Several months back i also brought up the following to them : XXXX XXXX, XXXX CONSUMER FINANCIAL PROTECTION BUREAU ORDERS INDIRECT AUTO FINANCE COMPANY TO PROVIDE CONSUMERS XXXX IN RELIEF FOR ILLEGAL DEBT COLLECTION TACTICS Westlake Services and Wilshire Consumer Credit Pressured Borrowers with Illegal Threats and Phony Caller IDs I mentioned to them that they were supposed to issue refunds or credits against accounts. However was told that i was not eligible. Which seems odd. 

Bottom line is i want my title back.
Due to the recent news of the Equifax hack, I have checked with Equifax to see if my information has been compromised and stated that it might be. I assume that this automated response from Equifax means that my SSN and all my personal information has been compromised. I have not been notified in any way from Equifax regarding this matter from any type of communication.
We had a XXXX XXXX. When my husband 's business went under, it was one of the monthly debts we stopped paying. That debt was purchased by XXXX & XXXX from NJ. The firm got a judgment against us in the amount of $ XXXX. We did owe the money and entered into a monthly payment plan with them. They do not send monthly statements or receipt of payments. We would like to know our balance and get a receipt when a payment is made -- if not monthly -- at least quarterly. 

We had been making payments faithfully for 2 years and we were late one month -- just outright forgot. Not hard to do since we do not get any statements from them. It's due the XXXX of the month. I went to pay it online on the XXXX of the next month only to find out they had cancelled the agreement. Also, you can not go onto their website and make a partial payment ( if you wanted to split it up over the month ). 

We were able to get the agreement reinstated but they asked for an even bigger monthly payment. We did not agree to it. My complaint is about their business practices -- no statements, no receipts, no updated balances but they have no problem rescinding an agreement immediately when a payment is not made. They should be obligated to send out statements and keep consumers informed. 

If I knew what I know now, I would definitely have negotiated the debt down. This law firm are bottom feeders and should be held to better standards. They prey on too many vulnerable people and should be sanctioned.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 




Transunion Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX Trans Union XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 's 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 




XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX