WillisBack/dataset-financial-user-claim huggingface dataset:
I have resided in this home since XXXX, I fell into some financial distress in XXXX after struggling I filed for Chapter XXXX Bankruptcy in XXXX. The Bankruptcy was discharged in XXXX, I continued to pay my mortgage after the discharge. I sought Counseling from an agency to try and obtain a modification of mortgage. I was successful in getting the XXXX of XXXX, to assist me in obtaining a favorable modification of mortgage in XXXX XXXX when the agreement was signed and submitted to Green Tree Servicing. I have Repeatedly submitted my Re-affirmation of the mortgage debt to Green Tree XXXX ( XXXX ) times to be exact and I can not get the servicer to update their records and report favorably to the credit bureaus. I started this quest at the beginning of XXXX we are at the end of XXXX and Green Tree continues to give me the run around. Claiming once they lost the paperwork, I have mailed the re-affirmation including by certified mail. I can not take Green Tree 's lack of acknowledge to continue to destroy my credit profile. I pay my mortgage on time every month and yet I have not been getting any type of compensation for the mishap Green Tree is causing me. I desperately need from CFPB or anyone on my behalf to intervene and enforce Green Tree to Update their systems with the Reaffirmation of the Debt.
Multiple inaccurate changes and updates to credit report going to all three bureaus is causing unnecessary lowering of my credit score by XXXX XXXX ( XXXX ). I am requesting that my credit report from all three credit bureaus be reviewed by XXXX XXXX and updated correctly to the score that I had before the issue mentioned. My score should be re-evaluated to show XXXX.
I recently applied for a debt consolidation loan through One Main Financial, of XXXX. I provided my social security number, income details, address and rental history details, and very throughout information as to the credit card amounts and monthly payments I was looking to consolidate. 

The company is NOT XXXX in underwriting standards. I applied for the debt consolidation loan through their website XXXX https : //www.onemainfinancial.com/ ), then spent XXXX minutes on the phone with a woman in a call center re-confirming all the information I had input online. 

A local underwriter ( XXXX ) asked for income proof. I sent him my most recent federal tax return, photo ID and most recent bank statement showing paychecks being deposited. His local branch phone number is XXXX. 

I 'm self employed and can write off many business related expenses. This results in my tax return showing I earn far less than the paychecks I receive ( which they had on file ). They claimed they were only allowed to use the federal tax return as income proof. Called back & supervisor said the same thing. 

Here 's my gripe : At NO PLACE on the website, nor verbally was I told they can only accept a tax return as income proof. If I had known this up front I would not have spent an hour of my time with them, nor sent sensitive documentation. I feel I was descriminated against due to my XXXX self employed status.
My debit card was lost and somehow someone was able to get my PIN and use the card to make bogus deposits and then shortly after withdraw the funds. I told the bank when I logged in to see my balance and saw this huge overdraft of over {$6000.00}. I explained that I did n't know the card was gone and that I had nothing to do with what happened. All of the withdrawals took place in Pennsylvania and I live in Virginia and work in XXXX. The bank claimed they did an investigation which I doubt and they expect me to pay back something I never got. I filed a police report with XXXX County 's financial crimes department but because the actual crime took place in Pennsylvania, they could n't do anything. I looked up the police department associated with the area the bank was in where all of this transpired and they claimed that the State police had jurisdiction. I called the State police and they claimed they did not. I got nowhere over the phone with that and because I was working could not get up there to file a police report. 
The bank in question is Santander Bank. I opened the account online. I filed the waiver they claimed I needed to and they still claim that because I could n't account for when or how my card and PIN were compromised, I was responsible. I do n't have that kind of money. What can I do? They call over and over. They leave messages at my work and that incident happened a little under a year ago. This bank is horrible. Why would any bank with no history of such deposits and withdrawals allow such to happen?
This auto loan was forced XX/XX/2015 under misleading statements and claims by the Dealership XXXX XXXX representative XXXX XXXX in conjunction with XXXX XXXX XXXX. I have been targeted as well as others in a scam that ultimately lead to the surrender of the vehicle.

There are multiple cases filed in Indiana against this dealership that targeted individuals in XXXX  Indiana under false pretenses to scam & collect funds from sales of vehicles. Some individuals did not even get titles on said vehicles.

I was told that I only had 12 payments to make to complete sale of vehicle. The previous manager at XXXX XXXX XXXX, XXXX  was fired due to this situation with me including others.

This long ongoing ordeal caused me to have to file bankruptcy then ultimately surrender vehicle under the discussion that there would be no repercussions due to the falsified documents forced in conjunction with XXXX XXXX XXXX & XXXX XXXX at XXXX XXXX. There are other cases that are public records that can be found to support that this is factual and I am not the only victim.
The Thomas Agency ( Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, ME XXXX & Phone : XXXX ) contacted me by phone in XX/XX/XXXX regarding a medical debt for a XXXX  XXXX in XX/XX/XXXX. I thought this debt was paid in full but it turned out I still owed a balance. Their representative claimed they had attempted to contact me by mail multiple times but I had never received a single letter. The representative I spoke with refused to put me on a payment plan, stating that since I had not responded to letters I had never received that I could not be trusted to make on time monthly payments. I asked if they would take a smaller amount for the time being until I could pay off more of the debt and the representative made fun of me stating, " That's it, that's all you can pay? '' At the time, I was only making $ XXXX/month. I told her that's all I could pay at the time and asked that if I made a good faith payment if they could not report it to my credit report. The representative laughed and stated that she could send the police to my house to have me arrested for what I owed. I hung up because I did not feel it was appropriate to be talked to this way. I called back and spoke with another woman who stated that The Thomas Agency had confused my address with someone else which explained why I did not receive any letters. I asked if I could be placed on a payment plan and she said that she didn't believe this would be a problem so she placed me on hold so she could speak to her manager. As it turned out, her manager was the woman I had hung up on. When I spoke with this woman again, she was even more cruel stating she would begin reporting my account to the credit bureaus.When I brought up what her employee had said, the woman said that she was stupid and didn't know anything. I later took out a student loan so I could cover the cost. I realize that I am reporting this late but whenever I check my credit report, I see this record and I remember what I went through. I was XXXX and XXXX after this incident and had a difficult time opening lines of credit after this incident. I felt like I had been punished unfairly and illegally.
I closed a XXXX account in 2010. There was a balance and I had signed up for automatic payments to be drafted from my account. I received a notice that my credit profile had changed and when I investigated, I found that the card changed XXXX XXXX to Synchony Bank and that they had stopped the autodraft on my account. I contacted the Synchrony Bank to complain and they claimed they would credit me the late fee and remove the credit reporting from my account and send me new paperwork to restart the autodraft. I returned the autodraft form and received a second notice today that my XXXX score dropped because they payment was late. my new statement states they will autodraft the amount overdue ... why did n't they just autodraft the appropriate amount to start? I tried to call the Bank and speak to customer service but received a recorded message that they were having technical difficulties and was disconnected. My XXXX score has dropped XXXX points now and the interest rate on this card jumped to $ 27 %. I would like my credit score restored and the late fees refunded and my previous rate of 12 % restored
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
On XX/XX/XXXX I attended a seminar that I was reach out to in reference to cancelling TIMESHARE that we no longer want. We attended and joined XXXX XXXX XXXX ( XXXX XXXX ) to cancel our memberships with my timeshares. This company stated that they have 365 days to complete this. As the year was passing by I sent them many e-mails because I was not seeing any results and was still getting e-mails and phone calls from the properties. I even contacted the Attorney General and they also were not able to contact this company. I Filed a disbute after the year was up, XX/XX/XXXX with XXXX ending # XXXX CASE # XXXX along with my attorney that was helping me with this case. His name is XXXX XXXX from XXXX XXXX XXXX and was on all the calls with me when we started to dispute. 
It took a while for them to get my paperwork and still had to resend all my info again. I filled the original disbute on XX/XX/XXXX and several phone calls later. XX/XX/XXXX they finally opened my case and said they would have it resolved within 45 days.They finally send me a decision on XX/XX/XXXX and state that Due to the length of time from which I filled and the original purchase date I was past there complaint time to file. So we had to fight it again, On XX/XX/XXXX I sent a letter that I don't agree and had to open the case again. XX/XX/XXXX and had to resent all my info again because they had to reopen my case as to they. This has been way over the time frame 45 days they gave me as to when this would be resolved, I get a phone call in XX/XX/XXXX and they tell me they can not refund me the {$4000.00} because I would need an attorney to handle this for me because I signed a CONTRACT with XXXX XXXX. My attorney clearly said that was not necessary and we called them again and we did and they still had no answers for us. ( I have been trying to reach my attorney and now he is not responding to me, Another Issue ) The cc company was suppose to get back to us with a response and never did.
There has been an inquiry every month from Capital One since XXXX 2015. Why is this? 
I only have XXXX credit cards. These inquiries on my XXXX account are affecting my credit score.
My personal information has a high potential of being stolen and I am now at risk of of identity theft due to the Equifax hack. Equifax did not do a proper job in securing my sensitive information. I have set a Fraud Alert on my account but that is only going to last 90 days.
I purchased a  XXXX   XXXX  and the loan company is American Finance LLC. I never received court papers to appear to court, nor have I never seen a bill of sales of the  XXXX  after they repossessed it and sold it.  XXXX   XXXX ,  XXXX  was the first check the garnishment started. On the  XXXX   XXXX ,  XXXX  check the last {$43.00} on the total due on the judgemen t ( {$6700.00} ) according to the court papers my employer gave me when they started the garnishment. Three checks later the garnishment started up again. I called American Finance LLC and the account manager told me I owed {$3000.00} for the post interest. On the court papers it included the post interest of {$940.00}. I had her send me my account ledger and on it my paid interest is {$6800.00}. Two months shy of 2 y ears that I have been paying on this garnishment they keep every cent on interest. The pre and post interest on the court papers add up to {$2000.00} which was add to the {$6700.00} on the total due on judgment stated in the court papers. They continue to garnish my checks so the amount keeps climbing.
I requested several times to speak to somebody about my federal loans, and I kept getting referred back to the private loan sector of Navient. I requested to speak to another individual the second individual was equally as uncooperative and rude and insisted that I had to pay my private student loans and that was the thing they were talking about and they were not concerned with the federal loans even though I was requesting to speak to somebody about federal student loans, and afterwards I then requested to speak to a supervisor she was very rude to me. She suggested that I get another job. That I had to pay those loans she threatened that my paycheck would be taken away for me. They have been nothing but rude to me about the private loans and have never offered to give me information about federal loans even though I have asked several times to be redirected to speak to somebody about federal student loans.
XXXX CLAIMED I OWE THEM MORTGAGE MONEY, I ASK THEM TO PROVIDE THE ORGINAL NOTE OR THE NOTE THAT CLAIM I OWE SUCH NOTE TO THEM, THEY COULD NOT. THEY TRY TO SELL MY PROPERTY IN FORCLOSE SALES ; I FOUND OUT THROUGH A SOLICITING ATTORNEY 'S LETTER. I FILE FOR BANKGRUPCY TO PROTECT MYSELF, I TOOK THEM TO COURT ; BUT THE JUDGE IS DENYING MY PETITION BECAUSE I AM PRO SE. I NEED YOUR HELP THIS PEOPLE ARE NOT LICENSE TO PRATICE IN MARYLAND. BUT THE COURT IS NOT PROTECTING US AGAINST THEM PLEASE HELP ME.
Opened an account with Capital One Credit Card 3 weeks ago. A day before my card arrived the card was listed as restricted. I received my card and was not able to activate it due to the restriction. On XX/XX/18, I called to enquire about the restriction and how to resolve it. They sent me a link to submit my personal documents to verify my identity. I was not able to send my SS card as the only proof of name change was my marriage license. I also sent my drivers license, passport, birth cert, XXXX license, bank statement. I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They still stated the documents I sent were not adequate enough. They should have stated that from the first call. No SS card, no approval. I just sent all of my personal documents and I feel that they are fraudulent for not stating that they will ONLY accept a SS number. They have also done a hard pull on my credit. I will cancel the unusable card since they will not accept my current documentation. I want the closing of the card to not affect my credit.
I recently received my credit report as a result of current data and identity breaches, I find the company diversified consultants in my files! I sent out a letter to validate the debt owed demanding an original contract and accounting for the alledged debt because I had no knowledge of ever having a contract nor account with them. I ca n't acted the three major credit bureaus XXXX XXXX XXXX and demanded that they make diversified consultants prove 100 percent that I owed this amount and provide required information as such! It remains on my files and nothing has been provided which lawfully should be provided under fdcpa and fcra to collect a debt!
my actual name on my name nys id is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX like equifax, XXXX and XXXX has it and i told them more than once to change it and they havent yet i even send them mail and fax with a copy of my XXXX id and my bills with no luck can you guys please help me thanks for your help and service.
Today spoke with XXXX in dispute department. I stated I have received an alert on dispute update. I disputed XXXX XXXX for late payment I was never late and for XXXX XXXX inquiry removal. XXXX told me that they stated that the information was certified and correct I told her that is impossible because I have my statement and what documents did they prove she stated none and they do not have to do that. Which means a creditor can just prove false information and they certify it to be true and affect consumers credit profile. I want them to be fined for ruining consumers credit profile without legal documentation to report negative information to tradelines. Also for false scoring calculations and not updating consumers profile when things are scheduled to fall off report profiles. Credit bureaus are the biggest schemes out here. Credit scores are not the same as lender when we purchase FICO score lenders are different. I want all negative information removed immediately.
In or around the month of XXXX someone had accessed my account using my debit card put in some checks and withdrew {$200.00} from these checks totaling {$460.00} when I realized that my account had been accessed and money had been taken out by someone other than me I filed a claim with the bank stating that I did not do this they sent it to their review and said that it was an authorized debit how could it be an authorized debit if I'm calling them and telling them I didn't do it and when they viewed there cameras on their ATM machine it was a man not me so I had them RI file a claim with a police report and it is it's been almost 6 months and still the problem has not been solved why does it have to take so long I don't understand how the number one they can come to the conclusion that I authorized it when I'm calling them and telling them I did not then when they reopen or redo the claim it's going to take a whole nother 60 days that's not right
In XXXX/XXXX/2015, Citibank customer manager decided to close my Citi Double Cash credit card due to a phone call argument over various bill pay payments that I 've made from outside banks. As a result I 've lost {$330.00} of cashback for this month that they did not honor upon my account closing. To make matters worse, this Citibank manager then made a personal call to close my Citi Premier card out of malice, resulting in XXXX of lost points worth {$530.00}. I believe that my accounts were unjustly closed by Citibank and I was not given the chance to redeem my cashback and point rewards worth well over {$860.00}.
XXXX XXXX XXXX ask us to update our information in their system on XX/XX/XXXX, because we are an owner of the timeshare and they told us that the company has a new system. So since we did not accept our tablet last XX/XX/XXXX and the welcome package they sent us, they will contact the main office if they can reinstate the expired offer. They asked our ID and SSN to verify our account and ask us to sign that they authorize us to look at our account in the system but they never informed us that they will run our credit. I just found out because I have XXXX  XXXX  who monitors our credit scores.
We want to sell our home through a credit qualifying assumption of our mortgage. We have called Nationstar Mortgage multiple times and they will not provide the fees associated with an assumption until we have a buyer. Their letter states that " Assumption fees, which will be disclosed on the Good Faith Estimate, will be assessed and are due at closing. '' How can I sell my home without knowing what the assumption fees are going to be? After an hour on the phone and talking with a supervisor they are only willing to provide with a guesstimate of {$2000.00} - stating that it will depend upon investor, servicer , county & state. They have all of this information now - why ca n't they provide me with a Loan Estimate or Good Faith Estimate? After being on the phone over an hour I was finally given 'some ' of the fees associated with an assumption. The only reason they gave me anything is I threated reporting them to the CFPB. If I were n't a Loan Officer and knew how to ask for the appropriate information I would never have received anything. I was verbally told that the fee is 1 % of the XXXX a {$20.00} credit report fee & {$100.00} doc prep fee along with applicable state & county charges. Why can they not prepare a LE to the seller?
Our previous mortgage holder transferred our mortgage to HomeBridge Financial in XX/XX/XXXX. We have always paid our mortgage payment and sent an extra check for {$1200.00} to go toward our principle. Since they have become our mortgage company, they have applied that extra check as another mortgage payment and then applied the extra as the principle. This happened in XX/XX/XXXX and in XX/XX/XXXX. They are now saying we do not owe a payment until XX/XX/XXXX. Instead, we want that applied as principle to help our interest payments. I e-mailed the company on XXXX XXXX, 2016 asking them to correct this and all I get is assurances that it has gone to their accounting department.
In prior many occasions when I tried to pull my free annual credit report and also when I tried to pull a free credit Report due to ( in this case : denied credit ), Equifax denied me that right for convenience to get my free credit report online. I included attachements that prove the Equifax denial of my right of free credit report intentionally. The attachements are of my most recent requests of my free credit report from Equifax. I called Equifax many times ( I have proofs of those many calls if I decided to go to court and show that to the judge ) and urged them to stop blocking me from accessing my free credit report ( described above ) online but Equifax did not address that issue. I havent taken this case and other against Equifax to court yet until I hear from them through this consumer portal of their response/s and action/s to solve the problems they caused to my person intentionally because there is no justification provided as shown on the attachements, they wanted to make it harder against me to get my free credit report and instead use paid service to Equifax for that purpose that can be accessed online for free as described above why it is ligitimately had to be free. 
I think Equifax is engaging in an ethical business behaviors by denying a basic right to a consumer ( myself ) for a free credit report. I think that federal regulators should investigate this credit bureau further for this unethical sales tactics. Equifax by denying my right of my free credit report is targeting my person to obstruct my continuous monitoring of my information and by harming my financials that way, Equifax is encouraging other parties, that I did not consent to access my credit report, to use my credit information and destroy my financial reputation. 
I demand from Equifax to give me detailed information of their reason/s to deny me to access my personal credit report. I will not accept scripted or general statement from Equifax I am expecting detailed information related to me and I think I am clear on this with Equifax and they know I am asking ligitimate answers not an answer that can be used to just show off it was a response to my formal complaint against Equifax. 
Signed today XX/XX/2017
XXXX XXXX XXXX did 4 hard inquires in 4 days. XXXX2017XXXX XXXX2017, XXXX2017, XXXX/2017. There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist
I sent a letter to Equifax in XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.