WillisBack/dataset-financial-user-claim huggingface dataset:
My wife & I held a primary mortgage with XXXX and a HELOC with Nationstar Mortgage. We Refinanced ( which went very well ) maintaining XXXX as our primary lien holder and drawing additional funds to payoff the HELOC with Nationstar as well as draw some additional money for home improvements. We closed XXXX XXXX, 2015 and received our check very early XXXX. Upon closing, I cancelled recurring payments to our original obligation with XXXX and with Nationstar. 

On XXXX XXXX, I received an e-statement from Nationstar that reflected my balance, plus XXXX past due payment and XXXX upcoming. Given we closed over a month ago, I called and was told that they never received a payment, let alone a full payoff. My wife & I were shocked! We double-checked all the closing papers from the Refi, and the payoff amount was included. I called XXXX, who spent a great deal of time researching what happened, and they were able to provide me with the XXXX tracking number for the check cut to Nationstar. They were even able to confirm that the package was signed for at the Nationstar facility on XXXX XXXX and the check was later cashed on XXXX XXXX. 

I filed an online inquiry with Nationstar for tracking purposes after their call center proved incompetent at assisting me. In the online inquiry I provided them : 1 ) a snapshot of the closing papers that referenced the payoff amount, 2 ) the XXXX tracking number, and 3 ) the image of the payoff check ( which I had to obtain from the title company ). 

On XXXX XXXX when I recognized the payment had not been processed and my initial phone call to Nationstar my online statement read that I owed {$140.00} as " past due, '' and the following day, after making them aware of their oversight, they raised my amount past due to {$290.00}. 

Today is XXXX XXXX, 2015. I sent Nationstar the image of the payoff check XXXX XXXX, and my account has still not been credited. Keep in mind, they signed for & cashed this check over a month ago. And now the are piling on late fees & charges for an account that should be paid off completely. 

My attempts to work with them to properly credit my account are leading me nowhere and I feel my wife & I may end up either owing more as part of our attempt to better our financial situation through our Refi, or needing to spend a huge sum of money for legal help on a simple matter of taking and applying a payment. Can you please help us!!! 

XXXX XXXX
I disputed inaccurate account information with Experian that was on my credit report. They responded at the end of their " investigation '' saying that they verified that the information was indeed accurate and up to date. Upon further examination, I notice many contradictory errors in regards to the derogatory accounts. I pulled my report directly from Experian, not a reseller. I've attached and notated all the errors and inconsistencies on my report. I reached out to the furnishers of this information to gain more clarity, with no success. So I requested that Experian share with me the documents that they should have in my file regarding these accounts, with no success. These accounts are inconsistent, inaccurate, and unverified and are causing me undue XXXX  and XXXX  XXXX. I'm trying to resolve this issue. But I know my rights and the law. I just want Experian to abide by the law as well. I also sent them a letter that the addresses that had on file weren't mine and also inaccurate. But again they refused to correct my report.
On XX/XX/XXXX I had disputed a bankruptcy that has appeared on my credit report. Today XX/XX/XXXX I called eqiifax regarding the outcome of the investigation since its been over a year. There response was it was still under investigation, So I questioned the CSR do you abide by the the laws set-forth under the fair credit reporting act. The CSR response was yes. So my answer was to him under the fair credit reporting act its been over a year it need to be removed because it was not verified. Again his response was its under investigation. This is the issue at hand and needs to be resolved its like they are above the laws set forth under the fair credit reporting act.
IN XX/XX/2018 I DISPUTE SOME INCORRECT ADDRESS ON MY CREDIT REPORT WITH EQUIFAX AND THEY DELETE THE INCORRECT ADDRESS AND SEND ME A EMAILS THAT THE INCORRECT ADDRESS HAS BEEN REMOVE FROM MY CREDIT FILE AND NOW XX/XX/2018 AND THE INCORRECT ADDRESS REAPPEAR ON MY CREDIT FILE, I ASK THEM TO REMOVE THEM AND THEY REFUSE TO WITHOUT AND EXPLANATION. CAN YOU INVESTIGATE THE MATTER FOR ME AND HAVE THEM REREMOVE THEY INACCURATE ADDRESS FROM MY FILE.
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : i contacted them 2 times XXXX/XXXX/2016 & XXXX/XXXX/2016 they never responded to me. 

1. The information is incorrect for the following account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The information is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX 5. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

8. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. The information is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report.
I have this debt on my credit report from an apartment complex. I believe the apartment management team wrongfully inflated the closing costs when I had an emergency and had to move. They have not sent me proper documentation to dispute the debt. They also kept my security deposit and pet fees.
Capital One close my account with absolutely no notice to me. They have over {$700.00} of my money in the checking account. When I called them to inquire as to how I could access my available funds they told me I would not be able to access my funds until the account is fully closed and that could take up to 90 days. I asked him if I could go into a branch and withdraw my funds and they told me that I could not that I would have to wait until the account is fully closed and then they would send me my money
Transunion has repeatedly not updated my score and continue to drop my score regarding XXXX student loans by the US Department of Education that are totaled at {$33000.00}, that are in deferment and have been since the end of last year. They consistently drop my rate with no changes in my credit report, besides only reporting NON UPDATED information. Transunion seems to consistently drop the ball out of all XXXX report agencies, as the others are more updated then them and exceed the score they currently report by over XXXX points. This is becoming a hassle and I am looking into a class action suit, as Transunion has been a consistent issue in regards to reporting my correct score.
XXXX XXXX I fell victum to ID theft and more than {$2600.00} was taken from my XXXX account. This account made monthly payments to Ally and had been fine since before the theft.. XXXX took almost 60 days to investigate and find in my favor but in the mean time even after notifying Ally they continue to report negative info to my account and my loan amount increased by a whole payment between XXXX and XXXX of this year with no relief. I wrote them in XXXX with the findings and still they continue to violate federal law by reporting and ruining my credit When I called in XXXX the teller did not like me and all ofa sudden I owed XXXX payments instead of XXXX.
This company ( or people involved ) have been calling me for months with no caller ID so it can not be blocked. They leave a automated voicemail every single time with a number to call back, the number is XXXX and they do not mention any specific name as to who they are looking for. 
I called back the number once, The line was tossed around it sounded like and it went again to another automated machine and I ultimately had to hang up. 
I do not owe any debts and my credit report states that. 
Upon searching XXXX for the number I came across a swarm of people reporting the same exact thing but some have actually got in contact with a human being on the other end and they reported saying they were demanding money from an outstanding debt from many years prior and the person had never had a debt from that company. I want these calls to stop, I thought maybe theyd call a few times and then stop but they have been calling every other day at random times for months.
There is a collection account in the amount of {$9700.00} showing on my XXXX credit report from XXXX XXXX  XXXX. I have submitted an Identity Theft Affidavit to them and followed up with a phone call to them. I was assured it would be removed by XXXX XXXX, 2017. It still has not been removed. It has been 2 months I have been disputing this account as a result of Identity Theft. XXXX XXXX XXXX does not care to remove this harmful account from my credit report.
Ocwen claimed it foreclosed on the purported debt and received payment for delinquent months from XX/XX/XXXX-XX/XX/XXXXfrom the trustee. Question # 1 : Who is the holder in due course that Ocwen remitted the proceeds of the foreclosure to? Question # 2 How much was paid to the holder in due course?

ALSO : State the date the title policy expired.

Provide the satisfaction of mortgage certificate involving XXXX XXXX XXXX, XXXX  and XXXX XXXX XXXX XXXX.
I canceled my cell phone service with XXXX because they misrepresented a feature they offer they said for a additional {$10.00} a month I can have service without borders in XXXX and XXXX I accepted and paid {$10.00} every month a year later they said I violated a term then they said the phone that was using this feature was costing them to much money so they were going to turn it off so when they turned it off I changed providers I was under no contract with them so when I received their final bill I established a payment arrangement they agreed I made a payment and they still sent my balance to a collection agency there was a payment arrangement in place??? hope you can help thank you
XXXX XXXX is reporting on my credit report and continuing to re age the account. I opened an account with them in XXXX and closed it either late XXXX or early XXXX. I don't recall having a balance after closing it. Now its reporting on my credit report as being opened in XXXX. This would be impossible since they went out of business in XXXX. They were took over in XXXX by XXXX XXXX which is the name they are reporting under on TransUnion. Then they were completely transformed into what is now XXXX XXXX XXXX XXXX in XXXX.
I took out a personal loan with Avant, first of all they are loan sharks charging me 30 % interest. I am a single mother and XXXX veteran who had several XXXX resulting from my military service. This resulted in medical bills and me having to take unpaid leave from work.I had made payment arrangements with avant to lower my payment for 6 monthsI had changed my bank account however, avant continued to charge the old account and not the new XXXX. One day I get an email stating my account is {$2000.00} past due and another day its {$3000.00}. I am trying to pay this off but Avant wont work with me and they are destroying my credit ;. I am moving for a better paying job shortly but because of this I am unsure if I will be able to secure housing for my XXXX XXXX XXXX son and myself.
This company continues to violate the XXXX Finance Code by not  providing a surety bond for XXXX or themselves. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. 

This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the XXXX Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. XXXX Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. XXXX hasn't produced info. 

I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. 

I have failed a complaint with the XXXX Attorney General 's office. Attached is the complaint for both companies.
I received a solicitation for a credit card from Elan Financial for a Fidelity branded credit card. The application was rejected and XXXX claimed I clicked decline on the online application. I asked to rectify and they said they would not honor the offer and they offered another card with less favorable cash back terms. The original offer had not expired and their behavior was typical of bait and switch schemes. 

I have sustatial deposits with Fidelity and a XXXX XXXX XXXX
I refinanced my home XX/XX/XXXX and paid off my mortgage with Ocwen. The financing company paid an additional fee so that Ocwen would record the discharge of Ocwen 's mortgage against my deed. I discovered on XX/XX/XXXX, while trying to obtain a home equity note for my home, that this discharge was never filed. All Ocwen would tell me is that it still shows pending and that they would have to research it. I submitted a research request on XX/XX/XXXX but have heard nothing from their company.
XXXX XXXX can not produce my loan information they refer me to XXXX who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.
While cashing a PNC BANK CHECK at PNC Bank for a medical insurance reembersement I was charged a check cashing fee. This is essentially a fee with no service provided to the bank customer who issued the check and a fee extorted from me to get the check cashed or black mailing me into getting an account for the privilege of not paying a fee to get my own money. It is a pure money making scam with no service provide to the bank customer who issued the check.
I am behind on my mortgage and have been since XX/XX/XXXX. This was as a result of a reduction in income. I got back on my feet and contacted CitiMortgage in XXXX attempting to set up a payment and was advised they could not accept my payments as I was in pre-foreclosure. I stayed in communication with XXXX, which is the 1st time homeowners program which I purchased my home through in an effort to obtain modification assistance. I contacted the Citi mortgage attorney in XXXX to find out the payoff amount to bring me current and status of the foreclosure and was advised no sale date was on the property at the time as it was early in the process. I submitted requested paperwork to XXXX in XXXX. This information was being sent over to Citi, but no responses were being received. In the meantime, the foreclosure clock remained ticking despite Citi Mortgage 's lack of responsiveness. My Homeowners specialist has changed at least 3 times. I 'm attaching letters which show proof of this. In the meantime, no one was working my case, making it appear that I was not interested in alternatives to resolve my outstanding loan balance. I believe it changed more ; however I only have proof of 3 changes available from my inbox. I finally decided to deal with CitiMortgage direct, since XXXX seemed to be unable to reach anyone and spoke to XXXX, my most recently assigned Homeowners specialist, back around XXXX. He confirmed my suspicions that NO ONE had been working my case. XXXX committed to staying in contact with me concerning my loan and has done such. Though I am working directly with Citi Mortgage, XXXX still checks in on the progress of my loan as they are Homeowners Advocates. I was contacted on XX/XX/XXXX and advised that there was a Sale date on my home for XX/XX/XXXX. This was concerning because I talked to XXXX earlier that day and never received notice. It is even more disturbing because per the email, text, and written letter I received from Citi " Foreclosure activity will cease while your complete application is being evaluated for hardship assistance ''. I contacted Citi on XXXX and spoke to XXXX and he advised because the foreclosure date is so far out, foreclosure activity will resume. This is a very deceptive practice and completely contradicts what CitiMortgage themselves sent to me in writing. Also, I believe XXXX had to payout a lawsuit concerning the same Dual tracking practices
On XXXX/XXXX/XXXX, i sent a letter to Transunion for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.
On XX/XX/XXXX I purchase an item from XXXX XXXX XXXX, they sent me the wrong item, i sent it back. when XXXX XXXX received the return i called them and told them not to send my refund back to my card, they sent the refund back to the card anyway. I inform the company that i closed my account with my bank. The company inform me that the deposit of XXXX was put back on my card. I call the bank and inform them that XXXX XXXX put the deposit back on my card. The bank told me that once an account is closed the deposit get automatically get sent right back. I called XXXX XXXX and informed them what the bank told me, they told me to give the XXXX thirty days to get to them. I called XXXX XXXX after the 30 days was up. XXXX XXXX informed me that the deposit did not come back. they told me that the deposit of XXXX was put back on my card on XX/XX/XXXX. I called the bank and ask them to give me the date they sent the refund back so i could give it to XXXX XXXX, they told me that they do not give that type of information. I told the bank to call XXXX XXXX with me on the phone and tell them what they told me, so they did. I informed the bank that i want to speak to the supervisor. I explained to the supervisor what happened, she told me that she can see when the deposit came in and mailed out, i ask her could i have a copy of that, she told me that she could not do that.I explain to the supervisor that the deposit was sent while my account was closed.
I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to the none of the aforementioned permissible. Please remove them. 

-XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX Inquiry : XX/XX/XXXX -XXXX  XXXX Inquiry : XX/XX/XXXX -XXXX XXXX, XXXX Inquiry :XX/XX/XXXX -XXXX  XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Experian, XXXX  and XXXX have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX/XXXX # XXXX This is a loan that is not mine and never has been.
In 2009 when I graduated Navient encouraged forbearance and deferment of payment for the loans I have rather than income based repayment plans
I had made my payments on time but yet I still get late fees to my account and there is this interest purchase charges on my account every month and I haven't made any purchases in the last 5-7 months. I sent numerous letter and no one has responded. I tried calling and they tell me that there is nothing they can do. They are ripping everyone off by doing this. Please resolve this!!! If no purchases are made in that month then they should not be charging any interest purchase charges.
XXXX party debt collector, calling for Calvary Portfolio which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that Calvary purchased has been added as a derogatory debt on my credit report.
Equifax Inc. has publicly stated that its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Some XXXX and XXXX residents were also affected. Checking with Equifax directly, all of my personal information is likely to be compromised, including : Name Social Security number Birth date Addresses Driver 's License number Credit card information Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX  through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 other consumers. 

So far I have set up a 90-day fraud alert with credit bureaus to notify me in the event and fradulent applications are made based on my compromised information. Ultimately, without major credit reform, I will be at a higher risk of identity fraud for the rest of my life. 

Equifax did not utilize appropriate security measures to keep my personal information and identity safe. Furthermore, they were aware of the security vulnerability prior to the date of the actual cyberattacks. It was a gross negligence of personal information management and must be addressed.