WillisBack/dataset-financial-user-claim huggingface dataset:
Back around XXXX of 2015, I checked my credit karma score and to my disbelief. MEDICAL BILLS OVER {$4000.00} dollars we in collections! My identity had been stolen a few months earlier as I 'm from Oklahoma. My ID, SS Card, Debit cards, everything had been stolen. I even have contacted the IRS on this matter and have gone as far as contacting the IRS because someone had also been claiming me as a dependent. I have tried to dispute this and they repeatedly keep shutting me down as this is accurate. I need this taken off of my credit report. It 's killing me!
XXXX   XXXX   XXXX  which I paid monthly since   XXXX   XXXX   with assistance for this issue in the amount of {$250.00}. As of   XXXX   XXXX   XXXX   I completed the modification which began on   XXXX   XXXX   XXXX   through   XXXX   XXXX   with making monthly mortgage payments in the amount of {$770.00} ( to  Rushmore Loan Management Services )  signing off on the papers on   XXXX   XXXX   XXXX  , with  XXXX   XXXX   XXXX  and sent to  Rushmore 's  Counsel ( unsure of the name of the counsel located in  XXXX   XXXX .  XXXX  ) I have n't received the final copy of the executed modification documents, nor their dismissal of the foreclosure. In addition, and just as concerning is the fact that the payments were made on time and they keep reporting late payments to the Credit Bureaus. Most recently and just as alarming is the bill I received in the mail from  Rushmore Loan Management Services  is for a monthly payment of {$2500.00} due   XXXX   XXXX   XXXX  . When I signed off on the modification documents the payments went from {$770.00} in the modification trial period to {$750.00}. Even with the payment of {$750.00}, I have continued to pay {$770.00} per month to help lower the principal balance due on the mortgage. I have read numerous reviews how  Rushmore  continues to place further hardship on their customers under the foreclosure process. I felt by seeking legal counsel I could possibly be devoid of their stressful hindering tactics. It has been a total nightmare from the mediation with both counsel 's ( mine and  Rushmore  's ) to the insurance incident when I had to call the police and file a report on their insurance person who came out to assess the leaking roo f )  horrible informed my neighbors and called them constantly informing them of my mortgage status which was extremely embarrassing. I was told by a representative of Rushmore, they do n't take it lightly when you get attorney 's involved and tried to get me to get rid of my legal representation. In the final documents Rushmore 's Counsel had placed a clause stating I would not be able to seek counsel after finalizing the documents. I desperately need your help. This process has been extremely costly and painful to say the least. I was referred to your office through Senator  XXXX    XXXX   XXXX   office.
I have attempted multiple times to communicate with Navient and receive some help in discussing my repayment options since  XXXX     2015  when I graduated. They forced me into a 10 year repayment without consulting or helping me through it. I have felt really confused and sort of pushed since I graduated with them and now that I saw they were in a lawsuit I realized maybe they could have actually been helpful had they approached my situation the correct way. I would have liked to have my repayment plan discussed with me and I am now a little worried that I am going to be end up paying more than I need on my loans.
Debt collector placed account on my credit report due to same name. When I contacted the creditor, I was told application was filled out online and sent to another address which is not mine. Informed original creditor of an identity theft block on my credit report which requires that I be called before any service is issued. Creditor response was a credit check is n't ran upon opening an account so they 're not able to remove account because someone opened it in my name.
after repeated attempts to explain to B of A that my income dropped because of retirement or was about to, asking for credit card interest rate modification, I was told they would review it the next month, also the rate went from about XXXX to over 21 % once they " re-evaluated '' my income situation because I missed work due to medical issue which reduced my income temporarily. I would like to get copes of the phone calls to my cell phone from the period of XXXX XXXX to XXXX XXXX as now they are sueing me for non payment, In turn I will counter sue for harassing phone calls. Repeated attempts to B of A even though I spoke to supervisior was the same rehearsed reply, " we will review this next month '' Many times I answer and asked for relief to hear the same story. Many of there harassing phone calls were from many variations of phone numbers and multiple calls having to say the same thing over sometimes an hour apart. This happened repeately
I have contacted XXXX to dispute that they are inaccurately reporting that I was late in XXXX and XXXX  2011. Please help me to get these late payments removed from my credit report. I was never late to XXXX.
In XXXX 2017 I received a loan offer in the mail from Big Picture Loans. I was in a bit of a financial rut so I decided to contact them to get a {$900.00} loan. While speaking with their Representative, it was pretty easy to get the loan and all I had to do was give them my bank account info and I was quickly approved. I was given very little information as to how many payments I would be making or how much my interest rate would be. Once I received the loan, I created an online account to view my payment history, payoff amount, etc. It was there that I found out that I would be paying {$190.00} bi-weekly ( {$400.00} a month ) with an APR rate of 545.69 %! So in the end, I would wind up paying {$5000.00} on a {$900.00} loan!! To date, I have paid roughly {$1600.00} and the majority of it is just interest. I contacted them about the payoff amount and the amount was always just about {$1000.00}, so I would never even get close to paying it off. Every time I did speak to someone I would get the run-around. I decided to XXXX this company, which I should 've done so from the very beginning, and it seems I was n't the only one getting charged these astronomical rates for such a small loan.
XXXX aka Navient aka XXXX XXXX ( predatory actions - collecting on charge off student loans ) XX/XX/XXXX it discovered {$450.00} was garnished from my pay and again XX/XX/XXXX. My company was not able to provide any details. 

After much research the company garnishing my pay was identified as XXXX. I immediately contacted XXXX ; XXXX would not provide any information regarding the loans and insisted that it was a court judgement. 
After several request, XXXX have not provided court records to substantiate the court judgement or loan origination information. 

XXXX informed me they are collecting {$90000.00} for a loan. I had co-signed student loans in the sum of {$20000.00}. for my son to attend the XXXX XXXX of XXXX XXXX, Florida. 

I needed to gather whatever information I could regarding the loans while diligently making payments. 
So, I reluctantly entered a payment schedule under due rest to avoid negative reporting to the credit bureau and potential termination of my employment ( I was an XXXX XXXX XXXX XXXX XXXX XXXX ). 

I completed the trial payment was turned over to Navient to complete the payment of $ 90,000.00+. 

Research showed my son defaulted on the loans while he was unemployed and began repayments arrangements with XXXX XXXX. The loans were charged off by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.

How do I resolve this matter. Please help.
I am a victim of identity theft. Someone stole and used my personal information to apply and opened up the following unauthorized and fraudulent accounts : XXXX and XXXX. I been receiving harassing and threatening telephone calls, including death threats from representatives from XXXX and XXXX in regards to unauthorized and fraudulent accounts and debts that do n't belong to me.
I was amazed when I viewed my XXXX, XXXX and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Frequent messages from Vital Recovery Debt Services ( XXXX ) made to my cell phone asking me to get in touch with them. I have no outstanding debts of concern. We are financially solvent. I suspect this was a phishing call.
Hello- XXXX XXXX has been servicing my loans for three years now. I continue to make monthly payments way above the monthly payment. XXXX has made it very, very difficult to take the additional payment amount and allocate it to a specific loan series. Origiannaly I was told to submit a standing order with instructions on how additional payments should be allocated. I did this and the letter was ignored. I called in to customer service to ask for this to be done over the phone. They told me to submit a form. After explaining I already had and asking to speak with a supervisor A request was submitted to reallocate. These calls typically take an hour during workday. I spend a lot of time educating the agent in the process and my rights. It then takes weeks or months for the really payment to be correctly credited. And I have to continue to follow-up via phone. Last month I called to do this for several payments. The processing agent asked me to check online in10-14 business days for the adjusted payment break downs. It was not done then so I called back. Another agent told me to wait a month which I have done. The adjustment should haves been made. I asked the agent when I can expect to see the adjustment and he told me that was backed up, he would ask his supervisor and then told me he could not provide a timeline. He asked me to check back later, already a month after. He explained the department was backed up. In the meantime, I have continued to make payments monthly. These payments also need to be targeted to certain loan sequences. I am left waiting for prior adjustments to be completed before I can even request these new payments be allocated. This an unacceptable processing delay and unresponsive customer serivce. I should not have to battle with service provider to have have additional payments correctly applied. XXXX continues to process payments in manner that is financially beneficial to them and ignores my request.
IVE ATTACHED THE COPY OF THE DIRECT ONLINE UPLOADED DISPUTE THAT EXPERIAN 'S SYSTEM WOULD N'T ACCEPT TODAY.THEY HAVE A COMPUTER PROBLEM THAT WO N'T ALLOW ME TO SEND INFORMATION TO SUPPLEMENT MY ONGOING DISPUTE SO I 'M SENDING IT HERE BECAUSE THE CFPB 'S COMPUTERS ARE N'T USUALLY BROKEN AND EXPERIAN 'S USUALLY ARE BROKEN
The XXXX ( XXXX ) is currently assisting the above referenced clients to review a legal matter. Please accept this letter of representation regarding our mutual clients XXXX and XXXX XXXX. 

We are writing this letter in an attempt to resolve a Lender Placed insurance issue that caused my client to become delinquent through no fault of their own. My clients continuously maintained adequate insurance coverage on the above referenced loan, and provided proof of insurance as required on multiple occasions. Despite having had continuous coverage, and providing that proof of insurance, the lender purchased lender placed insurance for my client property. 

Both loan payments were increased to collect for the lender placed premium. This error caused later fee, negative credit reporting, and a mortgage delinquency. 

In order for a thorough review to be completed we request that your office intervene and have the lender provide these documents. We have requested a copy of all lender placed notices, payment history, and escrow analysis for my client loan. The following documents are requested : A copy of all Lender Placed Insurance Policies and Lender Notices issued on both loans. 
A complete payment history for both loans. 
A copy of all system notes related to both loans. 
A copy of each and all escrow analysis completed on both loans.
On XX/XX/XXXX I filed dispute with XXXX  and Equifax that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX deleted the account.
XXXX XXXX 's executive specialist team, As you investigate my complaint as well as Florida 's attorney general request for a written response regarding this subject matter, please take into consideration the following facts : The Equity loan that your company is compelled to hold me responsible for originated as an instrument of the now outlawed Pick-A-Payment loan, which was then a requirement in securing the primary loan note ( one could not exist without the other ). <P/>After a six year lawsuit that I initiated back in XX/XX/XXXX, due to XXXX XXXX reneging on their originating loan options and the predatory nature of the loan, I finally settled with XXXX XXXX at the direction of my attorney with the stipulation that XXXX XXXX would finally work to approve me for a loan modification unlike the the offer seven years ago that just offered the amount owed to be placed on the back of the loan in exchange for waiving my rights to bring suit against XXXX, of course I declined. <P/>My Attorney suggested I settle based on two key factors : > As flawed as the terms were I was previously approved for a modification back around XX/XX/XXXX, at the same time XXXX was found guilty of not modifying qualifying members like myself, a fact that was to be considered. <P/>> the equity loan that originated along with the primary note held the home as collateral and therefore as long as the equity loan was open and in place ; a foreclosure & sale was not imminent. <P/>What was not known at the time of the settlement by me or my attorney was that XXXX transferred my home equity loan back in XX/XX/XXXX without my knowledge or my attorney 's knowledge releasing the home as collateral and allowing XXXX to decline the Modification and foreclose on my home without obstruction, which they did. <P/>Although I asked XXXX representatives multiple times to update my mailing address while I was working out of town they kept sending mail to where I was not so I never received any notification of any changes to my loan account and neither did my attorney who was to receive all notification related to my open suit, especially given the fact that the settlement agreement in which I signed included reference to the equity loan.
I received a letter from XXXX XXXX XXXX XXXX , XXXX dated XXXX/XXXX/16 attempting to collect a debt that is too old to be collected or be sued on.
I am writing to dispute the following information in my file. I recently received a copy of my XXXX 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 : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXXXXXX XXXX, IN Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
I tried to use my Chase Sapphire Visa card I've had for several years to buy some concert tickets multiple times without success. I spoke with the company at least four times about the problem, but it still didn't work. I spoke with managers and their fraud department. Initially, it seems like they had a charge level set below the purchase cost, but even after I identified the seller name & exact dollar amount, the charge was again declined. This was after I was specifically told by a manager in their fraud department the charge would now go through. They refuse to admit fault, claiming the billing address or security code entered was incorrect. I refuse to believe their claim as : 1 ) they later admitted they had set a low fraud limit, below the amount I tried to charge ( and well within my credit limits ) ; 2 ) : the charge was attempted at least 4 times by at least 2 different sales clerks ; 3 ) : I gave the sales clerk my billing address & security code ; ( 4 ) : in the last two charge attempts, the sales clerk had the card in his hand ; ( 5 ) I was well below my limit, have never missed any payments with years of credit history & have a pretty high credit score. 
I ended up using a different credit card with no problem at all. 
I believe they refused the charge because they didn't want me to get the reward points.
I have tried to fix all hard inquiry it shows i have XXXX i dont know what they are it is hurting my credit. 
XXXX morgage XXXX XXXX XXXX Classic XXXX XXXX XXXX XXXX Consumer portfolio XXXX XXXX XXXX XXXX Central XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional acceptance XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is XXXX of the hard i quires i have on credit and have tried to talk to them they all say they cant help i would like them taken of my credit llease ... 
XXXX XXXX XXXXXXXXXXXX
This is a formal consumer to business ( s )  complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,
There is an account with a company called Stellar Recovery which is unknown. I have requested validation of this unknown account and nothing has been received. False and inaccurate data listed on my credit file
TransUnion denied a copy of my free annual free report, despite my last free one being dated XXXX XXXX, 2015. Instead TransUnion sent a latter requesting payment of {$8.00}, or alternatvely sending a request to Annual Credit Report Request Service. The latter is what I did already, along with copies of my driver 's license and social security card.
On XXXX/XXXX/2015 at XXXX CST I received a voice mail from RMR. In regards to my Husbands ex wife. I informed them I have nothing to do with her. They stated that she provided my number. told them she does not have my number and this is a cell phone to never call it again. I instructed this is a cell phone and not to call it again. On XXXX/XXXX/2015 at XXXX CST I received a call and voice mail form another number regarding the same company and same matter. I called the number back spoke to a very rude rep who stated that i had to wait XXXX hours for my number to be removed. Was told the computer called me advised them since they were informed this was a cell phone with no authority to leave message or call they have violated the TCPA. i spoke with a XXXX XXXX who was very rude. I am being harassed over a debt that is not mine and i have nothing to do with.
I have had garnishments for my medical debt for approximately 3 years now. I did not know that collection center inc. was doing this until I went to try for a home loan. Apparently when my garnished amount gets to collection center inc., they apply {$1.00} to every bill we have with them. This seems very unethical because the amount I owe them never seems to decrease. I am not understanding why they do not apply the money to the lowest bill owed and move up from there so that some of the individual bills are paid off in full. The way that it is being paid now causes it to look like I pay nothing because the interest adds up more than what I have paid on each individual bill. This seems to make it look like I do not pay them at all. This issue is the only reason I was denied my home loan.
Dear XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 
XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX # XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XXXX Automobile Dealers, New XXXX XX/XX/XXXX XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These date I tried to get the original contract, but they ca n't provide anything.