WillisBack/dataset-financial-user-claim huggingface dataset:
I CHECKED MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX. IT HAD AN UNKNOWN COLLECTION REPORTING FOR {$79.00} FROM A COMPANY CALLED XXXX XXXX XXXX. I CALLED THE COMPANY ASKING ABOUT THIS UNKNOWN COLLECTION ON MY ACCOUNT AND THE REPRESENTATIVE TOLD ME THEY DO NOT HAVE A COLLECTION UNDER MY NAME OR SSN. I ASKED THE REPRESENTATIVE TO SEND ME SOMETHING TO SEND TO THE CREDIT AGENCIES AND HE REFUSED. THIS ITEM DOES NOT BELONG TO ME AND IS HURTING MY CREDIT. PLEASE HELP ME IN REMOVING THE ITEM.
XXXX XXXX Amount account number XXXX {$610.00} XXXX XXXX XXXX account number # XXXX amount {$260.00} XXXX XXXX XXXX account number # XXXX amount {$0.00} XXXX XXXX ACCOUNT NUMBER # XXXX amount {$0.00} XXXX XXXX XXXX # XXXX AMOUNT {$0.00}
I have submitted numerous requests for verification of my accounts with Equifax, XXXX XXXX, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.
In XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt. 
In XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX, and XXXX. 
After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.
I have not received anything in writing. They just started telephoning me and my family over the last 2 days. 
they contacted my sister in Minnesota to try to track me downthey contacted my mother at home to try to track me downthe calls I rec 'd was a recorded message from a loud woman screaming that This is an attempt to locate the whearabouts of myself.
This company has reported on my credit an amount {$470.00} without notification again. This is the 4th time this company has attempted to report on my credit WITHOUT prior written notification. Even after several request no one has been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. The original dispute occurred XX/XX/2017 and seems to resurface every 6 months after being require to remove, this is illegal on the company behalf.
Unknown late payment XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XXXX/XXXX/XXXX Balance {$510.00} Balance Updated - Credit Limit {$2100.00} Past Due Amount - High Balance {$1200.00} Monthly Payment {$26.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments
Why the title insurance company charges exactly the same fees for a refinanced loan, with the same lender, the same borrower, and for the same property. It is a ripoff and is approximately XXXX of the total cost of refinancing a loan with the existing lender. The title company should prorate their charges for additional new loan amount. For example, from an existing XXXX loan to say a XXXX loan - on XXXX only. For example, if a {$1200.00} fee was charged for the original loan amount of XXXX to the same borrower, the new title fee should be charged on the balance amount of XXXX, and not on the full loan amount of XXXX. This new title policy should be an amendment to the original title policy, for a reduced fee of only {$250.00} instead of the full fee of {$1200.00} again. 
The CFPB should immediately order the new rule on all home refinancing if there is no change of lender, borrower or property, except the loan amount. I assure you my proposal will save XXXX dollars to the homeowners who are refinancing their existing loans. The title insurance companies are cheating millions of homeowners by issuing revised policies that are for the 30-year life of the loan. The new policy fee should be based on XXXX factors ; 1. say the original 30 year policy on the loan is currently valid only the remaining 25 years, so the new policy rate will be based by for 5 years and not the entire period of 30 years. 
2. XXXX, in case of cash out, the fee should be charged for only the amount of cash out, and not based on the full amount of the loan. 
Thanking you in advance for your kind consideration. 
My name is XXXX XXXX Telephone XXXX. I have lived in my house at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for the past 28 years. I had to refinance my loan several times during the past 28 years to take advantage of the interest rates, and pull out some equity. I am a XXXX years old senior citizen, and equity in my home is more than XXXX the loan amount.
I received a notice from Bank of America and gave me a XXXX. The account was settled less than the full balance. Bank of America ruined my credit. They have violated FCRA and robbed me of my rights to access/acquire credit by reporting incorrect information. They are continuing to report a balance and past due balance, They are continuing to report late payments as well.This has been damaging my credit and is a clear violation of the law. Attached herewith is a copy of letter I received and a screenshot of my credit report.
After numerous phone calls and letters to the Equifax credit reporting agency I have been given the run and around with no help or solution to my issue. I used a third party agency to view my credit report and noticed that there were a list of hard inquiries listed on my credit file. I 've repeatedly asked Equifax to have these inquiries removed as they were not authorized nor do I posses a current open account with either of these agencies. Equifax refuses to remove these inquiries although they are not tied to any open account on my credit report.
I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XX/XX/XXXX IXXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
On XX/XX/18, XX/XX/18, and XX/XX/18 I sent XXXX, Equifax, and XXXX certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.
XXXX has some companies like XXXX on contract to serve their beneficiaries with their medical supplies. Based on my inquiries, I was assured by XXXX that I would not be charged out of pocket for the supplies or their services. Every time a shipment was mailed out to me I received a called most of the time from a gentleman name XXXX. Every time I say to him if I have to pay a copay do not send the supplies. For almost a period of XXXX year I was never notified of any unpaid amount, nor was I sent any bills along with the supplies. Out of nowhere, I received a bill from XXXX stating an unpaid amount for the supplies. Upon inquiry, I was not given a straight answer which led to my complaint with XXXX in XX/XX/XXXX. By XX/XX/XXXX, XXXX stopped responding to XXXX. In XX/XX/XXXX, XXXX closed the case. There was no communication from XXXX. Then suddenly in XX/XX/XXXX, I received a call from a collection agency attempting to collect on behalf of XXXX XXXX XXXX. Upon explaining the whole situation to XXXX from the collection agency, I was advised to contact XXXX. Upon several attempts to make contact, once delivering my information and the issue, XXXX hung up on me, this happened back in XX/XX/XXXX. I left several messages and finally, an agent XXXX XXXX XXXX, called me back on XX/XX/XXXX. She was extremely apologetic, and assured me that someone would contact me very soon to resolve this issue, but they had been very busy, which was why they had n't been able to call me back. It 's already been XXXX months and I have n't heard anything from XXXX or the collection agency ( XXXX ). Back in XX/XX/XXXX while speaking to XXXX I mentioned I will be contacting XXXX to make them aware of the issue with XXXX ; she laughed saying XXXX is not going to do anything. In XX/XX/XXXX I say to XXXX I was going to contact XXXX and make a formal complaint about XXXX, once again she said XXXX can not do anything about it. She was right ; XXXX does not even have a section where one can file a complaint against companies like XXXX 
I am tired of the harassment XXXX has put me through for 4 years. They lie over and over because they know nothing is going to happen. 
As per our talk ; I understand when you say is a matter of time ; and in the meantime what should I do? Keep my hands cross and let XXXX do to me and so many others as they please? 
XXXX has to be held accountable for their wrongdoings. I can assure you if we use media to find out how many more people have been treated the same way as I have, you 'll be surprised. XXXX has a count of just a few of them and even like that there are already too many. 
I will not tolerate XXXXs harassment any longer, it has to stop now because I do not owe them anything.
The principal on this debt was paid directly to original creditor  XXXX   XXXX . Balance represents interest and i s three times th e amount of the loan.     It is illegal to report pay day loans to credit bureaus in Texas.       Ad Astra ignored by request to find out if they are licensed to collect in Texas.
Ad Astra s  aid they have new information on me that confirms the debt, but did not provide me with that information.
To Whom It May Concern, I am filing this formal complaint because I feel that XXXX and now SPS are not honoring their part of the agreement with the government. I have been trying to get a loan modification for a year now. During that time XXXX and now SPS has put me through a ridiculous ordeal. I have a legitimate reason for hardship. My wife lost her job a few years ago. I lost my job a year and a half ago and the job that replaced it pays much less. I also had to take care of my elderly parents and help them with their medical bills. I believe that these lenders illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had XXXX XXXX not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 54.29 % of my gross monthly income. If that is not considered a hardship by XXXX and SPS, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated prior to 2009 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that XXXX XXXX  is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. I have been trying for a year without any sort of progress. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. Im not asking for charity, I just want what is fair and right. From what I understand XXXX XXXX took millions from the government, but they are not helping the people that legitimately deserve it.. Please, please, please help me save my home.
Sincerely, XXXX XXXX  Phone XXXX XXXX XXXX XXXX , XXXX, CA XXXX
ONLINE COLLECTIONS/ INFORMATION SERVICES has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe ONLINE COLLECTIONS/ INFORMATION SERVICES any alleged debt and would like them to provide proof of claim with authenticated verification. ONLINE COLLECTIONS/ INFORMATION SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Kohl 's department store reported me to the credit bureau on XXXX or XX/XX/XXXX for non payment. I just realized this today when attempting to refinance my residential property. 

I recall this whole situation as it developed starting on XX/XX/XXXX. 
* Balance of {$600.00} was due XX/XX/XXXX with minimum {$25.00} * Made payment on XX/XX/XXXX ( Sat. ) on Kohl 's website ( online ). Paid balance in full {$600.00} * Kohl 's received payment processed/cleared on XX/XX/XXXX * My payment cleared my bank on XX/XX/XXXX * Received monthly Kohl 's monthly statement XXXX &XX/XX/XXXX * I never looked at statements for XXXX & XX/XX/XXXX. Believing there was a {$0.00} balance. 
*XX/XX/XXXX received statement/bill highlighted in a different color. Opened this time. 
* Statement indicated a finance charge of {$1.00} for XXXX plus a late charge of {$27.00}. Same for XXXX {$1.00} for finance charge and late charge of {$27.00}. 
**Talked with Kohl 's customer service Rep. on XX/XX/XXXX. I outlined everything mentioned in this letter.Kohl 's Rep. said this should not have happen. 
XXXXKohl 's Rep action ; a ) Late charge for XXXX refunded ( {$1.00} ) XX/XX/XXXX b ) Late charge for XXXX refunded ( {$1.00} ) XX/XX/XXXX c ) Merchandise finance charge refunded for XXXX ( {$27.00} ) XX/XX/XXXX d ) Merchandise finance charge refunded for XXXX ( {$27.00} ) XX/XX/XXXX Lastly, this same situation happened 10+ years ago with Kohl 's . It  stayed on my credit even when Rep. said it would not. Its finally cleared years later.
XXXX , Equifax and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   credit card. I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX   report for comparison. I have highlighted the information that is incorrect.
When the housing market took a dive my family and I was affected. We were told to contact the State 's Attorney 's office which in my state of Illinois is XXXX XXXX. We submitted documentation of what happen and to no avail which now is years passing nothing has happen. I kept all original documentation also, email them and no-one has responded. The problem is when things are on your credit you ca n't get any assistance. The lending company we were with was Option One a predatory lender of XXXX XXXX who to this date is still in business. Also, in the state of Illinois I thought a house could n't be sold if there were liens against it. Well that property was sold and now the XXXX mrtg or whatever was taken out against it has been transferred to someone else called XXXX XXXX and it is on the credit and is ruining everything. I have in my possession letters written to modify the mortgage also, there was an offer and it was denied which forced a foreclosure to the home. It 's very hard to move forward with your credit in a disarray. Any help or direction you can provide for my family will greatly be appreciated.
Nationstar mortgage refused to give me a loan modification because they want to take my house. I have been told to contact XXXX XXXX at XXXX and no ever answers or returns my call. A while back XXXX put some envelope with paper work underneath a mat on a door of my house that is never used so I did not get the papers. Now NationStar is ready top foreclose and has removed the ability to send email messages on their site and they do not provide any email for the loan rep I am suppose to contact.
In XXXX when my credit report was run by a mortgage lender on XXXX XXXX, XXXX I was advised that an entity " Jefferson Capital System LLC '' had an account with an open date of XXXX/XXXX/XXXX. This was a debt that was purchase from XXXX that was in dispute in XXXX XXXX. 

I did not receive a letter in the mail until XXXX XXXX, XXXX ; dated XXXX XXXX, XXXX. 

This company not only falsified an account open and closed dated, but also did not notify me by mail, and pushed the first reported delinquency date of the account to XXXX XXXX. 

Please could I get some help with this matter?
I received a statement from XXXX XXXX sent to my P.O Box over 6 months ago. It was for a order that was made for items that I did not order or recievc. I contacted the merchant and they informed me of this problem and I explained to them I had not ordered anything and that I have not received any merchandise. They stated I had to sign a statement indicating that it was not anything I had ordered or received.They sent me this affidavit which I filled out and returned. I just received a duplicate statement indicating that I still owe this money and they have now threatened me and reported falso information to the credit bureaus
Fraudulent Unauthorized Credit Inquiry credit information. I 've contacted these creditors over 60 days ago requesting verifiable documents and they all have fell to provide such proof, but I was told by the companies below to dispute directly with Equifax and again and again equifax has refuse to remove these Fraudulent Unauthorized Credit Inquiry, it has been over 60 days in my fight with Equifax, it 's so frustrating to receive over and over again XXXX ; We have reviewed the inquiry information for The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact :
We purchased a car and did not receive paperwork with terms of loan till later. No where did it state about 1000 % interest. For every XXXX Payment only XXXX goes to principal after 3 years of payments the loan is almost of what we borrowed from Nicholas Financial
i have multiple inquiries not unauthorized by myself XXXX XXXX on XXXX and experian i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically
On XXXX XXXX, 2016, I Cashed a personal Chase check at XXXX XXXX XXXX XXXX Chase Bank. I have been a Chase member for many years. I currently own a Mortgage, Checking, and Saving Account with Chase Bank. 

This specific branch treats XXXX customers differently then XXXX XXXX customers when seeking and receiving bank services. Customers of XXXX race are specifically targeted with indifference, suspicion, dislike, when seeking or receiving bank services. 

Regularly, XXXX are intentionally denied bank financial services, because of their race. This is a prioritized business practice, by this specific Chase branch. 

XXXX bank customers are treated with great respect and superiority in comparison to XXXX bank customers.
Equifax leaked my credit data despite the fact that I am not a customer of theirs- I would never use them if I had any say in the matter and now I am having to take special precautions to ensure my identity does not get stolen. And they knew about it for TWO MONTHS before they notified us.
A withdrawal of {$2.00} was made today XX/XX/2018 around XXXX est. I already requested my digits account to be closed and refunded all the money they took from me as I no longer wanted their services. They did refund that small balance months ago, but now they are still taking money out my account and have not closed my account and it's been over 90 days. I am worried they are just taking money out my account and I want them to stop.
I tried calling the lender 2 times and those representatives were rude. I tried to explain that my husband is sick and in the process of filling for XXXX with the help of his doctors. I am working XXXX jobs and am not able to make the current payments to the lender so I called to find out about forbearance or deferment or possibly reducing the payments until I can get more money to pay. The representatives refused to help and suggested other parties pay the loan, this is uncalled for because it is my loan to pay. The XXXX gentlemen I talked to was polite and able to help a little. If the company is unwilling to work with me to reduce payments or help with deferment or forbearance, I am going to need to look into loan forgiveness or possibly filling bankruptcy with my husband once his XXXX is approved. The company is in the practice of predatory lending and has been under investigation for such things, this is a perfect example of this conduct.