WillisBack/dataset-financial-user-claim huggingface dataset:
for couple years equifax has been reporting to XXXX different reports from them with all my information in except of XXXX number from my social security the incorrect social security file has all my personal information and a lot of my accounts from present and past keeping me able to obtain the best rates and loans available in the market because a mistake they did and are not able to fix. I have contact them and talk to them for several days and hours on the phone and they do n't listen and keep telling me that is fix when is not because I keep getting those reports to my home with the incorrect information.
I have been receiving letters from Midland Credit Management for a XXXX XXXX Account that is not mine. I have sent XXXX different letters to them stating it 's not mine and they have not stop harassing me. I do n't know what to do anymore.
XXXX XXXX requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report
On XX/XX/XXXX I called to question late fees of {$38.00} from XXXX XXXX. I spoke with customer service. What was found is that since the due date on my account is the XX/XX/XXXX of the month and my payments came in at the end of the prior month the late fees are assessed because it is 2 different months. The bank refused to refund any of the late fees and told me they can't change the due date due to the account being closed. I want the account closed and am working to pay it off but am unable to because of all of the fees I am being charged because my due date just so happens to be at the beginning of the month. I have my payments scheduled for biweekly deductions and 2 to 3 payments are sent in a month. Her resolution was " is there any way you can get paid on the XX/XX/XXXX and just send the payment then ''. In the past year they have charged me {$500.00} or more in late fees due this. The customer service rep has verified that the way I make my payments does ensure that the payment is made and actually gives more payments then necessary however their system doesn't capture in the month it should because the due date is on the XX/XX/XXXX. If I send a payment on the XX/XX/XXXX it will go to that month and I will still be charged a late fee because the month is different.
I opene d a Business Build-to-Order Checking account at BBVA Compass i n   XX/XX/XXXX .  I have the original paperwork and it clearly states there are no service charges. I received a letter in   XX/XX/XXXX  th at also confirms there are no service charges.     In   XX/XX/XXXX  , I received a statement dated   XX/XX/XXXX , i ndicating that a $  XXXX  monthly service charge was removed from my account. This was the first letter regarding the account since   XX/XX/XXXX .  The statement describes the account as " CLEARCHOICE FOR BUSINESS ''.     After making a few phone calls, I learned  that BBVA Compass ha s been taking {$15.00} a month from my account for years, totalling at least {$450.00}.     I have been trying for  two weeks to get a statement showing the total amount that was taken from my account, and to get BBVA Compass to  return the money to me. The first week resulted in a branch manager,  XXXX   XXXX , returning 3 months in fees and telling me that was all he could do.     Last week I was directed to communicate with  XXXX   XXXX   at BBVA Compass re garding this issue. Wednesday ,  XX/XX/XXXX ,  I sent her an email requesting an itemized list of fees taken from my account and a refund for that amount. I have not received any communications from  XXXX   XXXX , as of   XX/XX/XXXX ,  other than answering my phone call to confirm she received my email request.     I also aske d BBVA Compass  who changed my account, when it was changed, why it was changed, and why I was not notified of the change. My address and phone number have not changed since opening both accounts. I have also received emails fro m BBVA Compass, b ut never a statement showing these fees.
I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

Equifax -XXXX  XXXX  XX/XX/XXXX,XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX   XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX -XXXX   XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX of XXXX  XXXX XX/XX/XXXX -XXXX   XXXX XX/XX/XXXX -XXXX  XXXX  Bank XX/XX/XXXX XXXX -XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX,XX/XX/XXXX XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX XX/XX/XXXX
I opened a joint auto account XX/XX/XXXX leased under Consumer Portfolio Services. I was not aware that payments were being missed or paid late. The car was then repossessed In XX/XX/XXXX. There is a balance of {$12000.00} on my account. The company has been repeatedly harassing and calling my father and threatening to sue me and take me to jail. Prior to this knowledge of my father being harassed I have enrolled into a debt management plan to clear up the balance. I am both disgusted and angry that they take advantage of people in this way
On XX/XX/2019, One Main Financial illegally obtained my credit file. I called One Main to explain I did not authorize them to pull my credit. One Main told me to dispute it with XXXX. I explained that XXXX would require a letter from them to remove it, yet One Main refused to remove the inquiry. Today, XX/XX/2019, I contacted XXXX, per One Main 's suggestion. Just as I told One Main, XXXX requires a letter from One Main. I did not authorize this inquiry into my credit file, and neither XXXX, nor One Main will remove it. This is ONE MAIN 'S obligation and duty to request removal through the credit bureau ... NOT MINE. They illegally obtained my credit file.
XXXX XXXX XXXX - Since the last complaint XXXX I filed against XXXX XXXX XXXX XXXX I have sent an appeal to Nationstar the servicing Company for XXXX XXXX Mortgage. I have had one call because my brother died - XXXX XXXX XXXX who was on the mortgage and I am to here back from her in 2 days. Her name was XXXX XXXX at Customer Relations, Nationstar. telephone number XXXX. That was 2 weeks ago. 
To : Federal Trade Commisssion, FTC asking for assistance to see if my Loan was the subject of Predatory Lending and why XXXX XXXX XXXX XXXX will not approve a modification Denial reasons : Property not Owner Occupied : 1. I was unable to remain in the home due to XXXX family members passed away tragically in the home XXXX. 
2. HAMP - assistance - the home can be rental property. 
3. I foresee imminent default due to going over my budget would have a deficit of over {$1500.00} a month making the home unaffordable and possible foreclosure in the future. 
4. When my brother passed the loss of income was {$4100.00} a month. I also had medical expenses from my father of {$15000.00} and before my mother past away I had {$3000.00} along with burial expenses. 
Summary : Hardship I am current on my mortgage, however I believe that I have an imminent default ( my loan is not yet in default but there is a high probability that it will soon be in default ). My mortgage payment is {$2200.00}. On XXXX XXXX, XXXX my brother ( co-borrower ) died. XXXX. Upon his death I lost {$4100.00} a month and he was the co-borrower on the loan. In XXXX my father also passed and I had to cover medical and burial expenses in the amount of {$15000.00}. At that time I became a XXXX to my mother and contributed {$3000.00} a month for XXXX, and she eventually passed. I had to pay XXXX for her burial expenses. My brother, father and my mother died tragically in my home and I had to relocate from my home due to XXXX family members passed away in the home tragically and residing there was too stressful. The police at one point said it look like a crime scene. I have inherited my grandchildren. 
In XXXX XXXX I received an e- letter from the lender Nationstar which stated that my payment will increase from {$2200.00} to {$4600.00} a month starting XXXX XXXX. I immediately took steps to improve the financial situation. I contacted the lender and applied for a modification. I was denied due to the home is not owner occupied and I am current on the mortgage payments. My financial hardship is due to the fact that I am unable to afford the increase in payment. Also my children are in the military and they will be XXXX very soon and I will have to move again to help with taking care of their children. They are single parents. I also am taking care of my XXXX grandchildren which make my monthly expenses increased. Currently my grand-daughter is pregnant and I will have a new addition to the family which will cause expenses to increase in the near future. My grandson has XXXX. 
I have enclosed supporting documents to support my statements. 


















































Desired resolution
we pay our taxes separate from our taxes my mortgage company paid them by mistake when i called them told them the mistake and said if they send a request the tax office will refund them they refuse they said my tax office sent a letter stating we were diligent which is not true the tax office said my mortgage company by law would need a tax code in order for them to pay my taxes this is fraud on there at first when we called they said they would request the refund now they say want us to send them a check we do not trust them someone made a terrible mistake and they want us to pay to cover it up
Construction Loan Company ( Greensky ) released {$1000.00} to XXXX XXXX XXXX ( contractor ) without costumer 's ( me ) authorization or any work done. As soon as I got the first loan statement, I called the loan company to complain about the unauthorized released funds and to put a stop payment to any other non-authorized sums. Greensky kept sending the statements showing the {$1000.00} balance for several months ; after contractor failed to do any work on my property I cancelled the project or contract. I called the loan company to file a complain ; they reviewed the complain and for several months I did n't hear from them, then three months ago they started sending the statement again. When I called them, they claimed the {$1000.00} was now a cancellation fee! I have spent hours in the phone with them trying to solve the situation, I agreed to make a payment by phone because they threaten to damage my credit report ; they also said that if I paid they would n't charge any interest on the loan ; but now they are also charging interests. So I called them and I said that I was disputing the bill and that I would file a complain with the CFPB. The loan company says I have to deal with the merchant ( contractor ) and try to get the money from them ; but in my cancelled contract it said that it was illegal for the contractor to collect funds for work no yet completed. Greensky released the funds without my authorization for work that was not done.
Wells Fargo has not provided us with all of the information we have repeatedly asked for. They claim to have on XX/XX/XXXX. This is a lie. We have not received any of the information we have requested. Wells Fargo needs to provide us in writing proof of met modifications, Proof of items that they are calling proprietary. If an item is proprietary we are requesting in writing proof that it is as such. If it is legally proprietary we are requesting in writing the items we have requested. ( copy of phone call on XX/XX/XXXX. copy of investor guidelines as to how many modifications, forebearances, and re payment plans are allowed to us. We to date have had 1 forebearance, 1 so called HAMP modification, ( it did not fit HAMP guidelines ) and 1 in house re payment plan. We would also like an investigation into Wells Fargo treatment and practice of customers with XXXX. We have been discriminated against and we do plan on filing an official complaint against Wells Fargo. We also would like an investigation into not only Wells Fargo but XXXX XXXX XXXX of Utah for not following Utah non judicial law. WE were not served with a notice of default. We found out about our foreclosure sale online. We also would like an investigation into the deceptive practice of Wells Fargo concerning Hamp Tier II guidelines. Wells Fargo continued to lie to us and put off our modification until the program  ended. Fully knowing and admitting to us that we were eligible for the program.
We were approved for a trial modification in XX/XX/XXXX with trial payments due for 3 months on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each payment was sent certified and on time. We were then told the modification paperwork would be sent to us within 3 weeks. Despite several calls following up as to where the paperwork was as we hadn't received it in XXXX or XXXX, we were told to make " good faith payments '' on the first of the month. We paid these on time for XX/XX/XXXX-XX/XX/XXXX. We finally received the modification documents on XX/XX/XXXXXXXX by mail, but they had major print font errors in the deed of trust. Upon calling SLS, their service person faxed a corrected copy and I signed, notarized and mail it back the same day-XX/XX/XXXX in the envelope provided ( copy enclosed ) to SLS ' subsidiary-XXXX XXXX XXXX in XXXX, TX. I expected to receive a counter signed copy by an SLS representative within a week or two. After not receiving anything for 2 weeks, I started calling. I have spent over 2 hours on the phone, usually getting transferred 4-5 times and finding almost no one who has any idea when I will receive my counter signed copy back, but they keep asking for payments. They finally said in late XXXX call that my documents had been posted on their system on XX/XX/XXXX, but had no idea where they were in the process. 
On one of my calls after being transferred 4-5 times, one rep said the bankruptcy court needed to approve the modification first, and when I told him that was incorrect, that my bankruptcy case was closed over 18 months ago and I had submitted the judges finally signed decree to SLS and XXXX XXXX   XXXX multiple times proving that, he only argued with me and said he still needed approval. ( see judges signed order attached ) As of last week when I checked the Federal Pacer document tracking system, absolutely nothing had been filed since the case was closed ( and shouldn't have needed to be. ) On my last call I told them my local attorney has recommended that I not send any more payments until the counter-signed copy is received and also filed with our County Chancery Clerk 's office-which it had not been as of last week. 
That didn't seem to phase them one bit and I've heard nothing at all in XXXX ( except a notice that they are required by law effective XX/XX/XXXX to send me a statement every month, which they have not done! 

Help!!
I had a baby at XXXX in XXXX, CO, in XX/XX/2015 and XXXX. The XXXX helped me arrange for XXXX to cover the labor and delivery, but the doctors requested that the baby stay in the hospital an extra day before leaving with the XXXX. XXXX did not agree to pay for that extra day. The XXXX and I tried to work with the hospital and XXXX, but the bill is still unpaid, and now a collection agency hired by XXXX ( Global Receivables Solutions Inc. ) is hounding me, ruining my credit and threatening to garnish my ( very low ) wages. The outstanding charge is {$2900.00} and there is no way I can pay that. The collection agency sent someone to my workplace threatening legal action against me.
I disputed a debt from Midland Funding in XXXX of last year and it was removed from all three credit bureaus around XXXX. It was re-reported and placed back on my bureaus approximately in XXXX or XXXX of XXXX, this time with XXXX late payments. I never agreed to make any payments. This debt is more than XXXX years old and I have a Experian credit report from XXXX/XXXX/XXXX showing the Midland funding collection to be removed on XXXX XXXX due to XXXX.
This is about my student loan and here is my Navient information   XXXX   XXXX   Account #  XXXX  I am a  XXXX   XXXX  student and have been for the past  3+  years Last summer I noticed that Navient had put me down as starting repayments within a few months and took the appropriate steps to rectify this, including the school sending confirmation regarding my student status Now Navient send me an email stating that I am overdue on a payment and another  one  is due now!   They seem to be unable to rectify the mistake, despite my best efforts.   I have also written to their ombudsman and the contents of that email are bellow.   ================================================ The email : Dear ombudsman office, My account states that   I have an overdue payment and more coming.
I am a full-time student!!!!
I saw this mistake coming last summer and did all the necessary steps ( school sent verification ) to correct it.
So why now am I being billed?
Please look into this and correct it.
I am also sending this letter to CFPB T  hank you  XXXX
I took out a Homeowners line of credit from BBVA Compass XX/XX/2016. The bank consistently marketd this product to me for over a year by saying the product was a " no brainer '' and had no closing costs. They required I immediately draw XXXX on the line which i did. In XX/XX/XXXX I paid XXXX instead of the min payment of {$75.00}. They then charged me XXXX in closing costs. 
When i called the bank, I was only given the options vis the automated dialer to buy new products, When i ACTUALLY reached a person, she just refered to me another department and the exact same auto dialier came up.
I sent a validation letter to XXXX XXXX, a Division of XXXX XXXX requesting validation for a debt that is listed as a chargeoff. The company has received this validation request on the XX/XX/2018 and has not been able to validate this debt. I have requested that they send me 1 ) Debt validation in the form of an original bill and detailed statement of procedures, 2 ) An agreement that authorizes them to collect this debt, 3 ) The agreement bearing my signature stating that I have agreed to assume the debt, 4 ) Valid copies of the debt and interest charges, if any, 5 ) Proof that the statute of limitations has not expired, 6 ) Complete payment history on this account along with an accounting of all additional charges being assessed, if any, 7 ) Proof that they are licensed to collect in my state and 8 ) The company 's license numbers and Registered Agent. The company has failed to provide me with any of the information that is listed but yet, they have responded to all three credit agencies that this debt is valid and they are continuing to report this chargeoff on my credit reports.
I sent a letter with payment for my account and I am waiting for them to adjust my credit report and increase my credit limit to what it was prior. In the letter and on the check it said if they chose to cash that particular check that they would restore my credit limit and remove negative information from all three credit reports. I would like them to correct the errors on they agreed to correct when cashing check # XXXX for {$580.00} dated X/XX/2018.
This account does not belong to me. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. HOWEVER they send bills that bluntly have the last XXXX digits of someone else 's social security number. This account is not mine. I have been disputing it with the credit bureaus and company since XX/XX/2016 and no one can show me proof that it belongs to me. I sent proof the account Is not mine to the XXXX bureaus and they still wo n't remove the account. Please help me remove this account especially now that it is reporting negative.
I have a student loan that is serviced through Navient that was in active repayment status paid via " auto-pay '' which I have set up through their website. In XX/XX/XXXX I began taking some classes part-time. In XX/XX/XXXX/XX/XX/XXXX, without any initiation on my part, Navient changed the status of my loan to " student deferment '' meaning that my auto-payments were stopped while the loan sits and accrues interest. There was absolutely no communication from Navient that this was happening. I only became aware when I noticed the payments were no longer being drawn from my bank account.
I have provided Equifax with proof that three accounts on my credit report are due to ID theft. Equifax employees have stated that my FTC affidavit is valid, but they are refusing to block even though I have never requested for those items to be blocked before. They also stated that they have received my documents on XX/XX/XXXX it is now XX/XX/XXXX. Per the FCRA the items were supposed to be blocked within 4 business days.
I was falling behind on my mortgage with Ocwen. So at about XXXX days behind, I contacted them to tell them I had lost my job and was now working for a lower wage, but I still wanted to save up money to make a payment. They told me I legally had XXXX days to make a payment. So I scrimped and saved, so as the XXXX day was approaching I found that I would get paid my last portion that I needed on the XXXX day. I called Ocwen on the XXXX day and asked them if I could submit my payment on the XXXX day. They told me that would be fine. So I wired my payment from my bank ( XXXX/XXXX/15 ). They subsequently sent it back to me on ( XXXX/XXXX/15 ) and told me that I was too late and that now I owed $ XXXX+ dollars which I did not have. Since then I have been trying to work out a modification which they denied and find myself possibly facing foreclosure. They said that never received the funds. I have proof of the wire activities via my bank. They have ignored this and are proceeding to try to take my home.
I am a California resident and hold a personal checking account and a business credit card account with Chase Bank. I tried to use my business credit card on XX/XX/XXXX at XXXX, but the card was declined. I logged in to online banking to check my card 's account status, and was shown a message that the account is closed. I asked customer service via secure message, and I received the following response from " XXXX '' : XXXX, you account was closed due to bank policy. I apologize for the denied charges. To discuss the rea son for closure, we must speak with you directly. Please contact Customer Service at the number listed on th e back of your card. 
I regret to inform you that the open to reopen your account ending in XXXX is unavailable. You can apply for the new card online. To submit a new credit application, please visit our website for the most current offers and terms available. You can find us on the web at : https : //creditcards.chase.com Several days later, I received a letter dated XX/XX/XXXX, stating : After careful consideration, we decided to close your credit card account on XX/XX/XXXX, because of unexpected activity you conducted on this or another Chase account. 

I also received a letter in the same envelope that says that my checking account will be closed on XX/XX/XXXX. 

I called in to customer service and spoke with the compliance department ( s ) on two calls, one for the checking account and one for the credit card account. The representatives " XXXX '' and " XXXX XXXX '', would not provide more information on what happened or why my accounts were closed. 

I am not aware of any violations of the contractual terms, nor am I aware of activity that would be considered unusual or unexpected on these accounts. 

On information and belief, this appears to be a violation of the California Song-Beverly Credit Card Act of XXXX. There may be other violations.