WillisBack/dataset-financial-user-claim huggingface dataset:
HARDSHIP LETTER On the month of XX/XX/XXXX I received a call from Roundpoint offering me a FORBEARANCE PLAN due to Hurricane Irma which happened on XX/XX/XXXX. Roundpoint said that due to my area was declared on disaster this federal plan allowed me to stop paying the months of XXXX, XXXX and XX/XX/XXXX so I can use that money for the expenses caused by the hurricane and those payments would be put to the end of the mortgage. Roundpoint asked me for many papers during the lapse of those three month which I sent. Every month I kept receiving letters of intent of accelerate the mortgage, and every time I received those I called to Roundpoint to remind them that they put me in Hurricane Irma forbearance plan, my calls were received by a different persons not aware of the plan and, after reviewing my file they every time told me that everything was OK and to disregard those letter that were generated by the system and that I would be receiving those letters up to the end of the process. Every time I called I kept asking for confirmation on the conclusion of the plan, in other words I asked for confirmation on the three months would be put to the end of the mortgage and if this situation would not affect my credit and they always said yes, on times even I got comments of not to be afraid. On the month of XXXX Roundpoint call me asking if I would start paying my regular payments, I told them that as it was our agreement and that I was prepared to start making my regular payment, which I have been doing on time every month. Approximately, the XX/XX/XXXXl I received a call from Roundpoint stating that my modification was not approved by the investor ( XXXX XXXX ) and that I have to pay all the amount of three mortgage payments which is almost {$6000.00}, which at the moment I dont have, and if I dont pay my house would be put on FORECLOSURE and I would lose my home. I asked if there are some kind of appeal and they responded that the denial happened many days ago and I only have 30 days to appeal and the time was expired. I did not received any notification of denial! Now I have been asked to make this application for a regular modification which was never my intention from the beginning. I have been pushed to this situation which will remain in my record and probably in my credit and I dont have any other way to fight for my home. This is unfair considering that I have been paying according to the agreement, so from my side I have honored the agreement, however it didnt happened from the other side of same.
Four years ago I co-signed for my grandson to get a student loan. I was told by XXXX that if my grandson made 12 consecutive payments without being late he would be able to release me from the loan. Well I made sure my grandson paid his bill on time so that I could be released. My grandson put in the release form after making the twelfth payment. He received a letter back from XXXX stating his request had been denied.If I had known this would happen, I never would have co-signed. Im sure they want to keep me as a co-signer due to having a credit score of XXXX but that wasnt the deal we made. Can anything be done about this? Theres has to be a law against these companies ripping seniors citizens off.
I purchased a {$1600.00} refrigerator in XXXX XXXX from XXXX 's XXXX, the day it was delivered the bends and trays were missing in which I had to go into the store and obtain these items from a floor model. A week later the week of XXXX the whole fron electric panel went out and the ice and water maker did not work. XXXX 's did not repair the refrigerator until the XXXX week in XXXX XXXX and refused to deliver a new refrigerator. During this time XXXX 's offered me extensions so I did not have a payments due during this 2 month period until the issues were rectified. When the refrigerator was finally repaired I called in to make XXXX payment. Now I received information from the XXXX credit bureaus that my account has been delinquent more than 60 days. This information is incorrect and has negatively effected my credit trying to receive a mortgage.
My credit monitoring services alerted me of a change to my score, upon checking the alerts I found Torres Credit Services claiming I have a {$24.00} balance that is charge off / collection status. I have absolutely no clue what this company is talking about because I tried multiple time contact this agency but no body respond. I does not have any debit of these amount. I had a debit of {$21.00} dollar with with a Real state who name its XXXX XXXX but I already paid ( I has proof from my check account ) From XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection {$24.00} XXXX XXXX
IQ Data International, INC     XXXX   XXXX     XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX  Reported to my credit negatively last on  XXXX / XXXX /  XXXX  . The alleged debt was originally for  XXXX  and now the debt is  XXXX . I do not own this debt. This debt belong to my ex spouse that was in the military and discharged and labeled unable to   XXXX   due to  XXXX . I had to sign the lease because I was over the age of  XXXX  and they needed to run a background check. I had NO income which was clearly marked on the application. I have requested the debt be removed from my credit report permanently and null and void. I do NOT own this debt. They have not removed this debt nor acknowledge the true ownership of this debt. I do not own a valid contract as a co-signer on this application or debt.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Equifax mishandled my identifying information which has led to a cyberattack that puts myself and millions of others at potential risk. I am infuriated with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I attempted to use the card for an online purchase. Vendor rejected the transaction because my address did not match the address provided by the gift card company. While the transaction was rejected, funds were deducted from my account and not available to me. I phoned Omnicard and they confirmed the funds were in a pending status, unavailable to me, and would not be available for 6 days despite the fact the Omnicard also acknowledged the transaction was rejected ( immediately ). This process is designed to impede transactions, making it more likely that Omnicard benefits from their time-based fee structure, harming their customer in the process. In addition to filing this complaint, I will share my experience with my large employer ( XXXX employees ) and encourage them to discontinue their relationship with Blackhawk/Omnicard.
I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
This company calls my cell phone and my work number asking to verify my information. They also call my  human resources manager a sking to verify information about me personally. I investigated the number that they were calling from and I found many complaints and reviews that they are a fraudulent collection company.
My name is XXXX and I have been doing transactions for many years now through XXXX ; XXXX and YESTERDAY TRIED RIA MONEY TRANSFER AND WAS CANCLED LAST NIGHT AT XXXX.. I did not have any problems up until last week. I am surprised I ca n't send money to a family friend that needs and I have been able to do transactions in the past and suddenly ca n't do any now and need your help to lift my name and clear it out of this mess. I have confidence in this person and know him very well so he is not a stranger. The main issue here is all these transfer companies have been cancelling my transaction .Please have these companies lift the ban of American 's sending money overseas because I have family and relatives including friends that need my support and it is not fair shutting down favors and besides I think it 's an infringement to your fundamental human right which they should n't allow. I might have to take legal action against your Consumer Financial Protection Bureau. This ban is not only affecting me but lots of Americans that do money transfers and are not able to help their families and friends to send for special occasions money overseas as well. It is not just me having the problem ... ...
This company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Is listed on my credit report as a debt I owe and have not paid. I do nnot owe this debt and want it removed immediately. They refuse to provide written proof of the debt which proved my point, that I do not owe this debt.
I paid a bill to XXXX XXXX XXXX and XXXX on XXXX/XXXX/2016. This payment was posted to my checking account on XXXX/XXXX/2016. As per XXXX at Patient Services, the payment processing service for XXXX XXXX XXXX and Imaging, their records confirm that my payment was received on XXXX/XXXX/2016 and the account was sent to collections on XXXX/XXXX/2016. As it is unlawful to attempt collection on an account that has been paid in full, I request an immediate investigation of this alleged violation of the FDCPA
This Company named Patients Accounts Bureau and the caller 's name is XXXX XXXX calls my number every hour starting at XXXX. I have repeatedly stated that I am currently unemployed and have not worked for 3 years. 

At first the calls were once or twice a week, now this company is calling every day.
Since XX/XX/2018, I have attempted to contact Experian in reference to erroneous items on my report. I began sending written request for verification of item in XXXX. Since that time I have not received any items used for verification and the erroneous items since have not been removed from my report. They have yet to verify the item and send proof of that verification. They simply say " the company '' reported it as " accurate ''. Without giving the request verifying information. I have also provided documents to Experian that I have sent to the suspected verifying companies and I have never received anything verifying from them.
I have XXXX private loans with Navient. They have continued to not work with me for years and at this point I can barely afford to pay for the interest. I have not even made a dent in the principle for years. They also put XXXX late payments on my credit report which was an accounting error on their end and I have been disputing it for a year now with no luck.
On   XXXX   XXXX  , LexisNexis supplied my background report to somebody without my authroization. This report contained my Social Security number and other vital and sensitive information that should not have been released without my authorization.     I  never authorized ANYBODY to receive this   information. Somebody than proceeded to post my background report on an  XXXX  and  XXXX  page for the world to see.     I had checked with a friend of mine in the FBI who had stated the report came from LexisNexis. I had contacted them to start an investigation and let me know who requested this report which would then let me try and find out who posted it, so I can take appropriate legal actions once I find out.     LexisNexis stated to me that cant furnish that information to me due to proprietary reasons. I stated to them that if they are bound by the FCRA, which i notice they are, they have to furnish me the information as to who requested my report from them. They told me they could only furnish me this information if I were to issue them a court ordered subpoena.     I do not think this is fair that for me to get a copy of a report of mine that was illegally obtained and posted on social media, that I have to pay a lawyer to receive the information that is my right to have due to the FCRA laws.
EQUIFAX since they seem to be in coots with this new fake company called XXXX XXXX XXXX. See complaint I filed with the Attorney General 's Office, XXXX XXXX. XXXX had a collections for XXXX on my EQUIFAX credit report. After disputing and proving that it is NOT a valid collections belonging to me it was removed. EQUIFAUX allowed it to be added back to a FAKE NON LICENSED collections company called XXXX XXXX XXXX.. I have reported both to the BBB and Equifax without relief.
I have student loans duplicated amounts on my credit report. Each of them was under  XXXX   XXXX .  Navient  has assumed all the responsibilities previously performed by  XXXX   XXXX  as a federal loan servicer to handle the billing and other services on federal student loans. Then, Navient switch to  Education De partme nt Navient th at causes the student loan duplication issue.  <P/> Understanding the problem, the credit report shows both :  XXXX   XXXX /Navient and  Education Department Navient duplicated with exactly the s ame balances.  XXXX   XXXX  never marked the transferred accounts as " closed '' an d Education Department Navient still " Open - Current ''.   XXXX   XXXX  /Navient does not mark the acco unt as closed after they switch.  <P/> I contact Navient hundreds of times and they never accept the error and never perform any investigation in relation of it. They only p rovide a   XXXX   XXXX   address to send any complaint letter to Navient Fraud Department. I sent a lot of letters and they never answer. I 'm trying to fix this more than 9 years.   <P/> They continue reporting late payments also under forbearance every months. I 'm desperate, because they destroyed my credit and continue calling me, but never accept the duplicated error. Again, I 'm sending a lot of disputes letters and they never answer.  <P/> I also verified my original Student Loans documentation  in the National Student Loan Data System  and shows double quantities ( error ) between  XXXX  University and  XXXX   XXXX /Navient.  <P/>   XXXX   XXXX  /Navient are thieves and abusers. They know exactly that they are doing.  <P/> They never provide me the original instrument of ended nest is his original form. Therefore and under the law, I am not liab le about any financial obligation issued by licensed financial institutions following the FDIC Law PART 1020.
This does not belong to me. It must be an error. I 've never used XXXX XXXX. XXXX XXXX XXXX Closed : XXXX XXXX, 2017
I have applied for a costco visa anywhere card and did not receive the card. I tried to contact the citi card credit card customer service but they could not find the card. Currently I would like to either receive the card or block it and close the account for good. 

Thanks,
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in attachments. 

I contacted the US Bankruptcy Courts of XXXX  Maryland and they stated that they do not send or communicate with any of the 3 CRA 's ever. XXXX So, you did not verify that account when you said you did. 

Despite my first written requests, the unverified items attached still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from Citi Bank ( South Dekota ) NA from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand XXXX XXXX XXXX XXXX. cease and desist any and all collections of {$510.00} from me Thank You XXXX XXXX XXXX.
I applied for a mortgage and Equifax sold my information to another mortgage company which called me to solicit my business. He told me my credit was good and he could help me get a better rate. I explained I was happy with my broker but he was persistent. I finally got him off the phone by having him email me his information. I never gave Equifax approval to sell my information to anyone. Is this legal?
I received a sizeable check from the XXXX XXXX XXXX as part of a negotiated settlement to repurchase our vehicle ( lemon law ) on XXXX XXXX, 2016. I went to my local BBVA Compass Bank at XXXX XXXX XXXX XXXX XXXX, FL at approximately XXXX on XXXX XXXX to deposit the check and was informed by the teller that the Bank was placing a 5 day hold on the amount. They were kind enough to make only {$200.00} immediately available.
My title report is showing a {$42000.00} XXXX lien under the name of Bank of America. This loan was paid off more than XXXX years ago. I am now trying to refinance and need this paid off lien reconveyed immediately. I also demand that I be paid the {$500.00} penalty due to me under CAL. CIV. CODE 2941 : California Code - Section 2941 : d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX hundred dollars ( {$500.00} ). -My damages will far exceed the {$500.00} you must pay me now, if my refinance is in any way delayed or does not take place as a result of Bank of America 's error in failing to reconvey title timely. 

Thank you.
In XX/XX/XXXX we received an escrow analysis which indicated that the low balance in our escrow was short. This was due to the mortgage servicer, Dovenmuehle Mortgage , Inc. paid our real estate tax for the entire year. For the past 11 years that we have had this mortgage, our real estate taxes have been paid on a simi annual bases. The change in the method by which the real estate taxes are paid caused a deficit in our escrow account and now the Dovenmuehle has increased our monthly mortgage payment from {$2000.00} to {$2300.00}, and increase of {$250.00} monthly. This is causing a financial hardship on us. In 11 years we have never been late on our mortgage payment. 

I have contacted the XXXX XXXX XXXX and they have told me that payments can be made simi annually. However, the mortgage servicer has chosen to pay annually although we have expressed to them the hardship this is going to cause. 

Why would a servicer choose to do something that would cause a hardship when they have a choice to do otherwise? This is causing a huge strain in our well being. That is a lot of money to have to come up with in a short time and only because the servicer choose to pay the annual amount of our real estate tax instead of how it has been paid for the past 11 years. 

Also in the escrow analysis the amount for hazard insurance is incorrect. They have corrected this but we are still required to pay the increased amount for XX/XX/XXXX.
On XXXX/XXXX/2015 Chase credit cards attempted to execute an automatic payment against my checking account. The automatic payment was rejected because I made a mistake. I noticed this after a periodic visit to the website. I did not receive an email, I did not receive a message in their " secure online message center ''. I was assessed a late charge and interest. My credit card was suspended. 

I immediately called Chase and they said they only send USPS for this type of matter. WHERE IS THIS DISCLOSED? I sign up for automatic payment, electronic billing, txt and email alerts but rather than using any of these means to communicate they send snail mail risking huge penalties and impact on my stellar credit score. And why in the heck did they not do a test transaction on the routing number/account number BEFORE the due date. 

There is clearly a gap in the regulations if they can claim to have all this paperless billing and electronic billing but use usps mail for this XXXX special case. Even if they were concern about security, they could have sent a email asking me to call to address a matter just as they do when there is an unusual charge that triggers a security concern. 

The CFPB needs to investigate whether this is a unique problem to me, whether they are taking advantage, or whether they are being deceptive regarding their use of electronic/paperless billing. 

Thanks you, PS : The agent refunded my late fee and interest as a courtesy but most likely because I charge a significant amount every year on their cards. That should not let them off the hook. I want nothing but a change a policy.
XXXX XXXX XXXX Court House and XXXX XXXX XXXX XXXX XXXX told me that my Tax Lien has been extinguished from public record. I have been sending in documentation that they gave me to give to the credit bureaus to have them delete it from my credit report. Experian keeps coming back saying that the Tax Lien has been released and that 's it. I have been back to the city to verify this a few times and they tell me that this Tax Lien needs to be deleted and that they do n't report to the credit bureaus, so there 's some outside source supplying the wrong information.
Someone identifying themselves as XXXX XXXX at CCB Credit Servuces call my employer on XXXX/XXXX/16 at XXXX XXXX. Number has never been listed as a contact on any account.