WillisBack/dataset-financial-user-claim huggingface dataset:
THIS ACCOUNT IS NOT MINE THE ORIGIONAL SCCOUNT OWNER FILED BANKRUPTCY AND MAKING PAYMENTS ON ACCOUNT XXXX IS SHOWING WRITTEN OFF CHARGE OFF WHICH IMPOSIBLE BECAUSE PAYMENTS SRE STILL BEING MADE THEY CAN NOT SHOW DEROGATORY INFORMATION IF THE ORIGIONAL DEBTOR IS MAKING PAYMENTS HENCE NOT SHOW AS WRITTEN OF SINCE XX/XX/2017 THIS IS RETALITORY SO THE CREDITOR MUST REMOVE ACCOUNT OR UPDATE SS CURRENT IVE FILED 609 ( 1 ) A ( 1 ) WHICH EXPERIAN HAS IGNORED
Unlike XXXX and XXXX, Equifax has merged my credit report with that of my sister. I disputed all of the inaccuracies with Equifax almost a month ago. For the disputes to be processed, I faxed them a copy of my driver 's license and social security card, uploaded a colored photo of my driver 's license and social security card on the dispute page on their website and e-mailed them a colored photo of my driver 's license and social security card at XXXXXXXXXXXX. YET they still refuse to process my disputes and keep sending me emails ( where they address me with my sister 's name instead of my name ), asking me to fax them a copy of my driver 's license and social security number. I sent them numerous e-mails on different dates ( please see attached ) yet they still keep asking for the very information that I already provided them!
Please look my previous cases I filled with the CFPB XXXX XXXX Chase Credit Card instead to assist me or look for fair viable solution has choose to fight it in sending me some documentations These documentations has opened another 's possible Violations to the Consumer Credit Protection Act due to the fact I 'm not aware of signed Agreement between Chase and myself, as a consequence of it, at this time I would Like to dispute the whole amount owed on this account due to Chase 's Representative response letter to the previous case I 'm Attaching it hereto. In the letter she mentions " AS PER ENCLOSED COPY OF YOU CARD MEMBER AGREEMENT '' Since she mentions an card member agreement, my understanding in an agreement it must be a signature of the 2 parties. At this time I 'd like to ask CHASE thru the CFPB to produce any agreement that I signed with Chase on this Credit Card.Because I was not aware of this agreement until now when Chase responded to my last complaint.
My mortgage was recently transferred to a new servicer XXXX XXXX XXXX and bought by a new lender. My mortgage was modified in XX/XX/2015 with XXXX XXXX XXXX and the terms of my payment changed to 480 months. Shortly after it was transferred to XXXX XXXX XXXX XXXX and terms were reported correctly.The new servicer XXXX XXXX XXXX  is reporting the terms at 648 months. I called to inform them that it should be 480 months not 648 months. I was told that it is being reported correctly at 648 months. I will include my modification agreement.
The credit bureau received information through XXXX that the accounts that were fraudulently placed in my name were verified. I requested that the credit bureau 's manually investigate these fraudulent account because the were put in my name fraudulently
Back in XXXX or so not long after opening an account with wells fargo I noticed another account that I had never opened. Brought it to their attention they apologized and closed it. Not long ago I heard wells fargo was in trouble for opening accounts without customers consent, so I was telling them about it hapened to me some time ago, after looking into it further they noticed XXXX accounts that had been opened. After leaning all this, I have done some research and found out wells fargo employees were telling people that opened accounts that they had to open a saving account too in order not to be charged fees, well that happened too. So technically there were possible XXXX opened without my consent, and a savings account opened cause I was led to believe it had to be.
My company has not given raises in 4 years. My overtime was taken away completely over 2 years ago. Cost of living constantly going up. Couldn't pay bills. Signed up with a Debt Relief company over 7 months ago. Have legal protection with them. The attorney made frequent calls to First Heritage and their attorney ( I signed a power of attorney ) and they would never even speak to them about a payment plan with the Debt company. First Heritage called me at WORK trying to collect this debt even after the power of attorney was sent to them. If I answered the phone, I informed them that they needed to contact my attorney, that they were taking care of this matter, but they still called me at work and my cell phone. 
Instead of working with getting paid, they took it to court and want to garnish my wages ( which money is already going to the debt company to pay them ) They have a horrible attorney and ruthless people working for this company. Why would you not work with someone to obtain your payment, knowing that the customer can't afford to pay you directly. So now at this point, it appears there will be no other option but to file bankruptcy and they get NOTHING!
I took out an installment loan of XXXX from XXXX. After speaking with XXXX XXXX XXXX indicates XXXX explained the loan process and fees correctly to me. That is a lie and they said they have recorded information they refuse to let me hear the recording. 

They scammed me into a loan that XXXX stated was only 35 % interest but it is 101 % interest. So I made my first payment of {$480.00}. Only to find out {$0.00} went to the principle so they can pull {$41000.00} out of my pocket in 7 years is illegal. They state they are a licensed lender and exempt from the Usery Law but can take {$47000.00}?? 

They will not get {$47000.00} from me. 

I have received two letters from XXXX stating a pay off plan. To pay 13 Months of {$580.00} per month which will cause serious financial hardship. They are refusing to work with me but reporting non-payments to the credit bureaus damaging my credit rating. They are loan sharks trying to steal money from people in a get rich scheme. 

They have illegally called my work and also risking me losing my job by contacting me via XXXX from a ( XXXX ) XXXX number. They contacted me illegally on my XXXX XXXX # XXXX, and a grand total of 16 times. I have tried to report this to the FTC Sentinel Network but they have indicated it has to go through the CFPB.
My company closed last year with the last day of health coverage XXXX/XXXX/XXXX. I had received a letter from XXXX XXXX/XXXX/XXXX after calling them about terminating my insurance, stating that the insurance would be terminated for non-payment on XXXX/XXXX/XXXX., Since I was starting my new job XXXX/XXXX/XXXX I continued to have health insurance. I then received a call from collection agency in XXXX XXXX for money for XXXX and XXXX XXXX installments. They also stated they needed proof of coverage. I immediately sent them proof of coverage and the information regarding the termination of coverage. I continued to receive phone calls stating they either had n't received the proof of coverage or they could n't read it. I continued to re-send it. After 5 months of calls I was told by XXXX from RMS that if I paid {$100.00}, sent another copy of the confirmation of coverage to the address she provided this would close the account. I did this XXXX/XXXX/XXXX. I was then called in XXXX XXXX stating they never received my check. I then sent a copy of the cashed check. I requested confirmation that the matter had been closed. Instead I was told they were going to send the check back to me, which I have never received. In XXXX I received a letter stating that they had not received my proof of coverage or payment. This has now been ongoing for almost a year. I have done everything asked of me, but yet I get continued requests for the same information over and over. They now want more money, and I have never received " the check they sent back to me ''. I would like to have this matter closed. The insurance was already cancelled XXXX XXXX, XXXX. I was told be an XXXX representative that to terminate the insurance all I had to do was not pay it. this is also confirmed by the policy book. I had coverage starting XXXX XXXX, XXXX from my new employer. I would welcome any assistance you can provide.
I am good on my payment history with Wellsfargo, I have not been late for past 24 months. The FHA loan and HUD discriminates against the lender, and Wells Fargo according to HUD can at their own discression remove the Morgage insurance after 5 years without waiting for 78 % threshold. At the time of requesting a FHA Morgatge insurance removal, the HUD act discriminates because it allows for " the Bank '' to request an apprasial to insure the house has not devalued, but HUD does not allow for the Lender to demonstate the house value is increased. This is percieved one sided. In my case a near 100 % increase in the house value has occured due to renovations and investment into the house. This is something for our local government legislation member to be aware of too. I have paid the mortgage timley, and FHA allows for lenders at their own discression to remove the FHA Morgage insurance premium too after 5 years. That time has passed for me. The bank Wells Fargo is not customer-centric and not servicing the customer, by deliberatly ignoring the value of the house and facts, hiding behind the HUD guidelines of a fraudulant market value of {$510000.00}, compared with bak apprased value of {$930000.00} we hold, from third party government certified appraiser. Upon communication to the bank, their own licenced apprasiers have valued the house at over {>= $1,000,000} the banks response is " we dont have to fator the value in '', only the under valued value at the time of purchase. This is disregard for truth of real value and facts of values of the house. When truth is absent so is justice. Grossley undervaluing the house, a value non representive of their own independent government licenced appraises, in other words, the bank dont care for customers. This goes against marketing slogans of the bank " How Can we Help You Achieve your goals '' on their web site. " How can we help pay student debt ''. A bank giving marketing statement misrepresentations of what they actually do for their customers. Hiding behind legislation, the HUD site says the bank can remove the mortgage insurance " at lending instutions discression ''. When asked about that, The bank offers no comment on that part or refrence of the HUD web site. One sided again. Ethics of the bank need to be brought into spotlight in XXXX, thanks to Trump, its whistelblowing season. My loan additionally is a XXXX FHA too. Granting more flexibility in rules than later years FHA loans.
Beginning on XXXX XXXX XXXX and through XXXX XXXX XXXX, I have been trying to lift the security freeze from my credit file with Equifax via calling them around the clock, literally every 20 minutes during their business hours. Everytime I speak with an agent over the phone, they are unsuccessful in lifting the freeze and would tell me to call back in 30 minutes due to the fact that they are unable to access my file and that their system is going through an upgrade. I have also tried their online website to unfreeze my credit file, but that was also unsuccessful and again I tried logging on and submitting the request every 20 minutes but to no avail. 
I have asked if there is a supervisor or manager that I could escalate my case to because it is a very urgent and serious matter. I have applied for a loan on a home purchase and my lender is requiring to see my credit scores from all 3 credit unions. I was able to lift my security freeze with XXXX and XXXX successfully. However, Equifax has been giving me a lot of trouble with it and my loan can not be processed unless my lender sees my credit score from Equifax. If Equifax does not lift the security freeze by Wednesday XXXX XXXX, XXXX, I will be losing my deposit on the house, which amounts to {$38000.00}, a big sum of money I can not afford to lose. At this point, I have sent two written requests to Equifax at the office in XXXX Georgia via USPS Overnight Service on both XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have tracking numbers to confirm when they would have received my request. I believe by law, the credit reporting agency Equifax has only 3 business days after receiving my written request to lift the security freeze on my credit file. I do understand that at this time of filing the complaint with CFPB, it has not been exactly 3 business days yet since Equifax will have received my request, but I am informing CFPB right now in the anticipation that Equifax will not be able to resolve my issue in time. They have been extremely unhelpful on the phone and their website is n't very useful at all. I actually do not even feel confident, at this point, that they would be able to lift my freeze in time. I am filing this complaint in the hopes that CFPB can help me investigate and escalate this issue further with Equifax since this is a very urgent and serious matter and a lot of money is at stake here. Thank you!
i order online course for XXXX class, but this was not what i was looking for, so i send all of there stuff that they had send me, after i had paid them a {$10.00} dollar fee, to start, so i do n't know why they are trying to charge almost {$600.00} dollars now, please help!
TransUnion for the second time allowed my apartment complex to open up a New account under my frozen account. First occurrence, I disputed and has been fixed and now for the second time on XX/XX/2018. 
Apartment Rental agreement is with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I did not authorize them or any other company for that matter to open up a new account. This company is a residential, apartment rental company. I did not authorize any one to open up a new account. It's ridiculous to allow a residential company to open up a new account, as if they are a credit card company of some sort. I'll take a legal action against TransUnion and XXXX XXXX if this problem is not permanently fixed. New accounts impact credit score. I don't want my credit report to be ruined for something ridiculous as renting an apartment. I will utilize full force of our justice system to fight back. I will not allow this to stay in my credit report for 7 years. I look forward to your assistance in this matter. Thanks.
The company CCS XXXX ( as appears on my caller I.D . ) calls my number repeatedly. Their number is XXXX. I looked on line as to who they may be and they are a debt collection agency. I have no debt I owe to anyone or any debts released in bankruptcy. I personally have great credit. In short, why are they calling me? My guess is they have a collection with someone with the same surname or close to the same spelling in North Dakota and continue to call my number to pry for information. Here is a list of the dates and times they have called from XX/XX/XXXX to XXXX XXXX, 2017. They have called numerous times before as well but this list is only after I started keeping track : XX/XX/XXXX, XXXX XXXX, and XXXX XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX
I filed bankruptcy on XX/XX/XXXX. My daughter calls me today, XX/XX/XXXX and informs me that she is receiving calls from Capitol One about me. They told her that I had a civil summons and owed over 11,000.00 to them and they want the money. First, I didn't owe that amount that is several thousands more than what my credit limit was and my credit card with them was not even maxed out. This account was discharged in bankruptcy almost 3 years ago. Capitol one has my phone number. Its the same number that I have had for years. They could have called me and discussed this with me and not with my family members. This is not the first time a family member called me and told me that Capitol one was calling them trying to get the money. If Capitol One continues with contacting the family and others, then I will have to sue them for harassment, threats, lies. This needs to stop and stop now!
I just spent two hours on the phone trying to get access to my online account with TransUnion. I kept getting transferred in circles with people in XXXX. I could not get an answer. They just kept sending me back and forth between the dispute dept. and the online support dept. I never got to speak to anyone who was in the U.S. I still do n't know my credit score with them because they could not help me get to my account. I questioned XXXX item from another source that showed an outstanding negative report with something called XXXX. All of my outstanding bills were taken care of more than 7 yrs. ago. It even shows a XXXX balance. I have not been late with my bills and very careful that everything has been taken care of. How do get to my TransUnion account and find someone who can help me get answers as to why my credit has not improved with several years of positive reporting.
About 6 months ago now I try accessing my credit report online through Experian services. My credit report was blank, I could not see any of my accounts or credit score. So contacted Experian office out in XXXX XXXX California When on the phone with them I explain the problem and told them neither my self or anyone else was able to pull my credit report. I've gone through different website to pull my own report but had no luck, I've called them numerous times and every time i speak to someone they tell me they have to open a ticket for a different group in there department are able to resolve his matter. Yet in the end I don't get any results from them.
In the process of my divorce in XX/XX/XXXX my ex insisted that as I was to be awarded the home the mortgage was to be in my name. 
The home was refinanced through XXXX under the guise that it would be in my name only. My ex told me years later he knew before signing the documents it would not be in my name as I had no credit or employment history at the time. I wasnt aware of this until after the final papers were signed. 
The mortgage was taken out after we were legally separated but before the final divorce documents were signed. 
His name is the only one that shows on the paperwork, ( loan documents ) but I show on the Deed of Trust and he quit claimed the property to me. Our divorce decree awards me the home but is silent about the loan, there is a remedy for breach for undisclosed liabilities in the divorce. 
I attempted to apply for a loan modification in XX/XX/XXXX and XXXX refused to talk to me as they said the loan was not in my name. 
My ex said they would not modify it because he did not live in the home. 
When it was taken over by XXXX I obtained permission to speak to them from my ex and we both participated in the initial modification process. This drug out and he eventually refused to continue to be involved and they told me I needed to apply for an assumption, so I did and this drug out until it was transferred to XXXX and sale dates came and were postponed, paperwork lost ... same story everyone has. 
The loan was transferred to Shellpoint late XX/XX/XXXX and I submitted a new package as they requested, resubmitting the quit claim 3 times. When I called to make sure all the paperwork was acceptable they refused to talk to me. They said my ex told them I was not to be allowed to submit a modification package and they were not to speak to me and the home was to be sold. 
I was told that I was not on the physical loan. 
I sent Loss mitigation an email stating that I was on the Deed of Trust and held the quit claim that there must be an issue with the documents and I want to see the note. 
I am the owner of this property and should have the modification package accepted. 
In response, I received a letter addressed to my ex saying I contacted them and they are refusing to communicate with me. 
The house was to be sold XX/XX/XXXX I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the sale date has been postponed until XX/XX/XXXX.
On my previous mortgage with SunTrust which I refinanced to a new mortgage with SunTrust I had my sanitation taxes paid through my escrow. In my initial estimates of payments it was included to be escrowed but when it was time to close the loan it was left off. I made the inquire about why and I was instructed to just call in when I received the next bill and they would add it to the escrow payments. When the bill came in I call Suntrust Mortgage multiple time and spent hours on the phone attempting to get the bill paid. I was told multiple times that I would receive a call back from a supervisor and all the agent was able to do was put in a research request which takes around 3 weeks to complete. Finally I called and they paid the bill but it was late, I was assured that I would not be responsible for any late fees and it would be added to the escrow so I wouldnt have to go through the same battle in future years. I called today ( XXXX/XXXX/15 ) after receiving an escrow analysis, my sanitation tax was not added and they had me pay the late fee. I was told by agent ( XXXX, XXXX ) that there was nothing she could do, they paid the bill as a courtesy, I was responsible for the late fees and it would not be added for future payments. SunTrust mortgage customer service constantly says they will have a supervisor call you and they do not. I feel like I was lied to and deceived through the entire process. I would not recommend SunTrust to anyone as they do not appreciate loyal customers.
I requested very specific information regarding these alleged debts-proof that Simon Agency owns and is authorized to collect, proof they are authorized to collect in my state-etc. 
There response was false and inaccurate- The original placement dates vary according to what they provided. On XXXX they claim they sent me notice to my current address-they are lying, I did not live there at the time. I have been disputing these false debts since XXXX. They refuse to provide the requested documwntation
I had a credit card with chase bank for around six months, just recently I opened another card with the bank. on XXXX XXXX 2017 I received a letter stating my accounts have been closed for 1. " not enough credit information on file '' 2. " the accounts on your credit report have not been open long enough '' 3. "  account not used as intended '' this causing me to lose points earned and create a horrible dent in my credit report to show a card closed by issuer.
Discover is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more