WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
I recently reviewed my annual credit report and found that there are adverse remarks on my record. I have a charge off remark from the credit card XXXX XXXX. However, I profoundly disagree with such remarks. This reporting done on the behalf of XXXX is inaccurate and although I have reached out to them they have failed to resolve the issue. 
On or around XX/XX/XXXX I decided to end my business with XXXX as a result of the negative experiences I had with the bank. I switched over to my local credit union and when I ended my affiliation with them I could no longer access the  online accounts which included my XXXX XXXX. As time progressed I expected to receive statements from the XXXX credit card, but they never arrived. I never received any phone calls to attempt to collect my payment as many other cards do. It is important to note that my phone number has not changed in the past 15 years. Six months later on XXXX of XXXX, I received a phone call in which I was notified that I was past due on the account and they were attempting to collect what I owed. The amount the person told me to pay was {$880.00} which I diligently paid as instructed. The person failed to inform me that I still owed {$370.00}. It is also important to note that I never received documentation that confirmed my payment to the debt. As a result of their failure to fully disclose any further information, the {$370.00} became the amount that has been charged off since XX/XX/XXXX without my knowledge or consent. 
Had XXXX been transparent with me and solely wanted to retrieve their money I would have paid the full amount as I did when I was instructed to pay the {$880.00} amount. I feel that the failure to inform me of my own account has resulted in a black mark on my record and has haunted my credit score for years. I reached out to XXXX again in XX/XX/XXXXand threatened to seek legal action and it was until then that they agreed to remove the charge off and settle the debt. I again reached out to XXXX a few days ago and was informed that it appeared that my debt had been sold to a debt collecting company, come to find out this was another LIE. After reviewing my bank statement for the month the debt was PAID, it shows the payment went to XXXX XXXX E-pay to be exact is what it says on my statement. I am infuriated by the lack of professionalism XXXX has demonstrated when trying to solve this problem, lies after lies. I am infuriated because this is absolutely not an accurate portrayal of my reliability and dependability to pay my debts in a timely manner. I feel I have been underhandedly placed in this situation due to my discontent with the problematic and fraudulent company that XXXX is.
Security Credit Services llc are helping the original creditor XXXX XXXX COLLECT A disputed fraudulent debt by putting two collection accounts acct no.XXXX and acct no. XXXX ON XXXX  XXXX   AND XXXX  credit reports. 
Each account reflects a purchase of a sofa.Both sofas were defective in their construction and began to come apart after delivery.In less than several months both sofas had become rubbish for the trash heap due to poor workmanship, the screws or nails that the frames were held together with did not hold the frames together.When I approached the salesman at XXXX XXXX, HE OFFERED ME A XXXX DOLLAR condolence refund each on the sofas which I refused.Security CS works as the strong arm for XXXX XXXX who buys and sells junk products to the unsuspecting public for the typical price of what a sofa costs anywhere else.
I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX/XXXX account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.
I was supposed to begin paying my loan serviced by XXXX in XX/XX/XXXX as I graduated in XX/XX/XXXX. XXXX claimed that I was in school until XXXX. I advised that this was wrong and I asked to begin paying my student loan and asked how much the payments were. They refused to give me a payment amount blamed the wrong date on XXXX ( the school ). I know this is not correct as I have another servicer and they provided me with payment information. They offered my a forbearance, which they said I could only have one. I declined as I want to have it available for a future time in case I need it. I began paying the loan and have made two payments of {$500.00} each, only guessing as to the amount because XXXX refused to give me my repayment figure or any due date. 
Yesterday, I received a letter noting a forbearance of XX/XX/XXXX-XX/XX/XXXX, stating late notice of separation. I am confident that this was not a late notice by the school or by me ( if fact I did notify them-at least three times. ) Instead this is an error made by XXXX. XXXX still has not provided me with either a due date or a payment amount. I don not want the forbearance. I do not want to pay any extra fees based on their errors. If possible, I would like my loans transferred to a servicer with a better servicing record.
i got title loan on my XXXX XXXX XXXX, valued at XXXX for XXXX/XXXX! from the jump i had problems with the almost XXXX XXXX payment but i tried! the first time i had a check for XXXX mailed, thats when i learned they dont take checks! then i tried to bring in XXXX cash and expained i had to wait for the rest of the cash from the check! thats when they stated they did not take partial payments! at this point im behind and can never catch up cause they dont take partial payments. so the van got repo and im not fighting it! my problem is i owe more with them having my car then where i started! my van was valued at XXXX and they only sold it for XXXX XXXX leaving me a balance of XXXX.. which mean i just gave them my car and owe more for the car!!! thats some bull ... and doesnt even make sense or like they was really trying 2 recover this money cause they knew they would continue to collect from me! they could have let me keep my van if selling it was going to keep me in debt!
Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the person was still open things in my name and I did n't find out until later . At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
I was referred to use this company in the process of obtaining a home loan. They have been extremely careless with my file, requesting extension after extension of the closing date. We have had over XXXX extensions and now the seller has cancelled the file and our deposit money is in jeopardy of not being refunded. On top of the deposit money, we are out of pocket over {$2500.00} on various inspections that were required by Van Dyk Mortgage. In addition to causing the seller to cancel the contract after four months of trying to get it closed they were attempting to charge me nearly {$5000.00} in rate lock extension fees at closing to which I believe is their modus operandi to force extensions so they can pocket thousands of dollars in rate lock fees. They also refused to provide documents for legal review, stating " we do n't like lawyers reviewing our paperwork ''. I am currently out of pocket over {$12000.00} and the company is threatening me with legal action for posting negative reviews of their services. I have documentation to back up my claims and to prove these extensions were through no fault of ours yet they still refuse to even apologize for the 4 month runaround and losing me a significant portion of my life savings.
Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on   XXXX   XXXX  n regards to an account, Timepayment, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on   XXXX   requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.   
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and reta  ined in their file at the time of my request concerning the accounts that they are reporting in my credit report.   According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if they do not investigate AND respond, Experian must delete the disputed information from its files.
I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing them to 3rd parties, Experian is damaging my reputation and credit worthiness.
I reached out to the company after the unexpected and XXXX XXXX of my daughter. I initially reached out to Bayview Loan Servicing to discuss my mortgage options. My home was was free and clear until I entered this relationship with Bayview. This was a cashout refinance but I did n't receive any proceeds. No money was ever disburse to me and according to my Settlement Statement I should have received monies. The loan type initially was suppose to be a fixed rate and $ XXXX. After, later discovering that the actually term was a ARM with an initial rate of 14 % and now the balance as of today is $ XXXX. I strongly believe I have been a victim of equity scheme and taken advantage of due to my age. When I questioned this and explain my inability to maintain this arrangement and to provide documentation on why the interest was high as it is. I feel like they are trying to force me out of my home without trying to assist me in understanding the terms of an agreement that I did n't authorize. They have refused to provide copies of the paperwork. I am in an active bankruptcy and they have ignore the letters as well as calls from my attorney. He has provided evidence that the sale of my property is in fact illegal according to him the proper publication duration has n't accord. But the representative from Bayview stated that the publication did occur for the duration as applicable by law. Despite several request for this documentation it has n't been supplied. I am an elderly lady with health issues this is the last thing I want to be going through at my age in my small community. I have ask desperately for help in saving my home. Calls have been unreturned, representatives have been far less than helpful this is the text book case of stealing, the companies practices is barbaric and sociopathic and no one seems to be concerned.
I have received repetitive telephone calls to my home phone from XXXX. The caller states their name followed by " this line is recorded. '' I immediately interrupt the caller and tell them they do not have my permission to record the phone call, nor will they ever have my permission.. The callers continue talking anyway. I advise the callers they are in violation of XXXX wiretap laws by continuing to talk. The callers still continue to talk. I hang up. 

I have received calls from this number 5 times in the last 10 days. XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX at XXXX. 

I am not the person the caller 's are asking for. I live alone. 

A google search reveals the following for the above listed telephone number.Law offices of Frederick J Hanna and Associates.XXXX, XXXX , XXXX.XXXX.XXXX. I do not know if business information is accurate. Please verify. 

I hearby authorize the Bureau of Consumer Financial Protection to file criminal and or civil charges against both the individual callers as well as the business ( whoever the business is ) for harassment and violation of XXXX wiretap laws.
History : I have a Credit Report between XXXX - XXXX over the course of more than 10 years. I have a Citibank, XXXX card which I have paid in full month-to-month. In XXXX I mistakenly sent about {$120.00} less payment than required to pay the balance in full. I was charged a fee of {$20.00}. I called Citi, understood my error and accepted the fee. 
The following month of XXXX, I received a statement for payment, with the balance due on XXXX XXXX of {$930.00}... presumably to pay the account in full without interest fee. On XXXX XXXX I paid {$950.00}, an excess payment of {$14.00}. One would presume I would then have a positive balance in my account of {$14.00}, but that is not the case. Rather I was charged interest of {$16.00} as CitiCard charges two full months of interest fees against a overage balance. BUT IT DOES NOT PUT THIS IN A STATEMENT. 
I accept this is in the credit card terms, but IT MUST BE REFLECTED IN THE STATEMENT. 
This is an incredibly deceptive practice that the credit card holder does not and can not visibly know the FULL amount owed. In addition, the direct line staff could not explain the reason for the additional interest, but rather blamed the miscommunication on me as somehow I could not " understand her XXXX accent. '' ( This is a bit of a non-sequitur -- sorry. ) The statement does not reflect the true fees and interest required to be paid to bring the account to full payment, line staff could not capably explain. 

Resolution : 1. Citi did agree to remove charges for both months as I do pay regularly. 
2. I have closed the account. 

But, the real issues remains... hiding of the fees in the statement that should reflect " FULL '' payment required to bring the account into balance. Less aggressive consumers could be charged another two month of fees for not paying the previous fees.
Bank of America is still not crediting my principal only payments to the principal remaining on the loan balance. Instead they are applying it to future payments ( and interest ) despite my insistence not to, and their policy not allowing this. I have previously submitted a complaint to CFPB regarding this matter ( case number XXXX ). Despite my efforts BoA continues to violate their written policy regarding application payments, and is in violation of the XXXX XXXX XXXX ( c ), failure to credit a consumer 's periodic payment as of the date received. These payments are instead being used to satisfy future payments - as of my XX/XX/XXXX statement, I am now paid ahead until XX/XX/XXXX - ( approximately {$1600.00} in advance interest payments ). 

I pay my mortgage twice per month. The second payment on the XX/XX/XXXX of the month is supposed to be a principal only payment. I have contacted Bank of America regarding this issue on numerous occasions. Resolution specialist XXXX, replied to the last complaint submitted and corrected payments. Furthermore, in his letter he assured me that if I wanted to pay in advance I would have to submit a letter in writing specifying this desire. 

All mid month payments ( extra payments ) are to be applied to the PRINCIPAL balance of the loan.
XXXX XXXX XXXX XXXX,2007 Closed of Home /Predatory Lending I was and still am XXXX XXXX. I was collecting XXXX and still am. i closed on a property for XXXX with XXXX down. No job, No chance of getting better. Everywhere i contact say there nothing you can do?
OnXX/XX/XXXX I did an early buyout on my XX/XX/XXXX F-150. On XXXX XXXX, Ford still took the payment out of my account but this was normal since I was so close to the billing date. I contacted Ford Credit on or around XX/XX/XXXX and was told that they would send me a check for the XXXX dollars. On or aroundXX/XX/XXXX, I still had not received payment so I contacted Ford Credit again. They claimed that the dealership had not made the last two payments so I still had one more payment owing. I contacted the dealership and they were able to show that they had indeed paid the last two payments. The dealership contacted Ford Credit and then called me back and said I should expect a check. OnXX/XX/XXXX I called and was told that I would be receiving a check for XXXX dollars due to excess wear and tear ... .I bought the vehicle outright and the dealership had sent the excess wear and tear waiver at the time I bought it but Ford Credit wo n't actually talk to the dealership and wants me to do all the work even though it is their mistake.
I applied for a loan secured with my car on XXXX. I borrowed {$5000.00}. I asked if there was a penalty for early payoff & I was told no. I asked the man before signing ... if I cashed the loan check then immediately paid it back would I only owe the {$5000.00} & he said yes. 

Then my first statement cam in the mail & said I owed over {$10000.00}. I was terrified & called One Main Financial. They assured me I did n't owe that. I only owed the $ XXXX I had borrowed. The lady said she never understood why their statements always put all the interest in like that as the balance. She assured me I only owed the {$5000.00} I borrowed. 

One Main 's online information is shady & vague. My account never shows what part of my payment applies to principal vs what applies to interest. My mailed statements are also shady & vague offering no information. It is like they took all the interest that would accrue over the life of the loan ( 5 years ) & they lumped it together in some false balance due. They act like I owe all the interest that would accrue over 5 years but I owe all that interest starting day XXXX. 

I can not follow what is going on. I have asked the One Main corporate office for an amortization schedule to be told only the local branch can provide that. The local branch says they can not provide this info. I have made timely payments for 1 year & I was told on XXXX that my principal balance was {$5100.00}. When I asked the man on the phone ( XXXX XXXX ), how was it possible for a loan principal to ever be more than the amount that was borrowed especially after a year of making payments. XXXX said he was not sure but he thought One Main front loaded all their interest so I was n't actually ever making payments to my principal over the last year. I was dumbfounded. 

Mt principal balance was amended today by One Mail to approx {$4900.00}. Somehow in XXXX payments I have only paid {$19.00} of principal? My loan is only for 5 years & in one year I have paid nothing to principal?? 

An online generated amortization schedule show my principal should be somewhere between $ XXXX {$4600.00}. I feel like my money is being misapplied & One Main Financial thinks their average customer is too XXXX to figure this out on their own so they improperly apply payments & they hide how they apply payments by refusing to provide amortization schedules & by not making standard lender loan information available to their customers.
There were multiple issues performed by this debt collector. To begin with I got a phone call from this debt collector in which I did not answer. They called from a phone number in XXXX and claimed to be an investigator calling on behalf of XXXX XXXX XXXX ( my county of residence ). She stated that because I have failed to call her back after multiple attempts ( though I have never once received any voicemail or call from this number and can provide phone records to support that ) that she had no choice but to proceed with a detainment order with a court appearance. My voicemail is clearly set up where I state my name therefore there is no confusion as to whether they have the right number. I then received a phone call almost immediately from my mother stating that she received a phone call from the same woman with the same threat left on her voicemail. It is my understanding that a debt collector is only allowed to call a family member if they are unsure as to how to reach the person who has the debt. On top of that I also was under the understanding they are to share no information whatsoever especially the same threats of me getting detained. When I called the number back the same woman answered and never once identified herself as a debt collector but instead stated I owed money. I was frustrated because I believed this to be a debt I had paid to a law firm already and the woman then stated I can contact the company it originated with to verify the debt. When I told her that I was not going to pay something twice she then said she is going to proceed with the detainment and will notify the original debtor and then hung up on me. When I called back the same woman again answer and was very belligerent with me. I asked multiple time for a supervisor while she talked over me before finally sending me to a supervisor. The supervisor was a little more helpful but again never once did either of them identify themselves as a debt collector and it was not until I asked if they were one that they told me so. When I contacted the original company the debt was with they in fact told me it was still outstanding but stated that the company that the woman who called me claimed to be from was no longer in business and that that debt was sold to another company that they are unsure of.
Hello, I graduated from XXXX University several years ago. I received a private loan from Chase. In XXXX of 2015 I lost my job due to election. I requested assistance. I received 2 months of deferred payment. When I requested additional help I was told inaccurate information. I made several phone calls requesting assistance and was informed I should call back in a month to see if I qualify for other programs. When I called, I was informed I defaulted. When I explained that I was following the instructions of their representatives they explained that I should write a letter to the lender requesting assistance, send the letter to them, and they would forward it the lender. Again, I did as instructed. The response from the lender was a an accelerated bill stating I owed the full amount of the loan.
I was reviewing my credit records and I wanted to get some copies of documents on my account. 

-The account closing date -Balance when account closed -Current reporting status with XXXX- XXXX- XXXX XXXX
Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..
I saw a credit inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX. I called and the person I spoke to said there was nothing they could do about it. I aksed about placing a fraud alert and the person I spoke to said they could not do so. 

I asked for a phone number or contact information for XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the person refused to provide it.