WillisBack/dataset-financial-user-claim huggingface dataset:
WELLS FARGO HM MORTGAG is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to WELLS FARGO HM MORTGAG along with anotarized affidavit claiming fraud. WELLS FARGO HM MORTGAG is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like WELLS FARGO HM MORTGAG to close their files which have any information with my name & social on it ...
OWE MONEY TO CAPITAL ONE ACCOUNTS ... HAD A RECENT XXXX AND I 'M OVERWHELMED BY MEDICAL BILLS ... .IN THE FINE PRINT, EVIDENTLY IN THEIR UNREADABLE SMALL FONT CONTRACTS, THEY ARE ABLE TO CHARGE ( LEGALLY? ) A {$10.00} OR {$20.00} SURCHARGE PER TRANSACTION ... .IT 'S ROBBERY ... .ANYWAY, I 'VE RECIEVED TWO LETTERS FROM XXXX, NY CITY COURT SAYING THEY ARE SUING ME FOR UNPAID BALANCE ... I LIVE ON SS/XXXX CHECK AND CAN NOT AFFORD GARNISHMENT ... ... .THE LETTERS SAY I SHOULD " FILE A LEGAL ANSWER '' ... I CAN NOT AFFORD AN ATTORNEY ... .IS WHAT THEY ARE DOING LEGAL ... CAN MY CHECK BE GARNISHED? ... .WHAT SHOULD I DO? ... VERY WORRIED ... THANKS
Today, XX/XX/2018, is the first time Im contacting the company with a dispute. This is the second background check that Ive done where someone elses name has come up on my report. I do not want my future to be affected by this person that is not me, nor has ever been me. I do not have an alias.
I refinanced with XXXX Mortgage. XXXX Mortgage then transferred my loan to Nationstar Mortgage. I was not notified of the transfer until after my XXXX 2016 payment was already electronically taken by XXXX Mortgage. XXXX Mortgage contacted me and advised me that my loan was being transferred to Nationstar Mortgage and that I should be receiving a " welcome package '' from Nationstar advising me of the transfer. XXXX Mortgage indicated that since my loan was in the process of being transferred they would be sending the XXXX 2016 payment to Nationstar Mortgage. This did not take place. I was contacted by Nationstar Mortgage advising me that I had not paid XXXX 2016 mortgage. I told them that I did in fact pay XXXX 2016 and it was paid ON TIME. This fiasco has been going on for over a month. Finally ( with the help of XXXX Mortgage representatives only -- nobody from Nationstar would even attempt to help ) the payment was " found '' but I continued to receive notices indicating that my mortgage was past due etc. I have never paid my mortgage late. To add insult to injury a {$12.00} " fee '' was added to my account. I had to argue this over and over again. This whole process has taken over a month, tons of phone calls, emails etc. Finally, today, I receive a return message indicating that Nationstar will " waive '' XXXX TIME a late fee. My payment was not late. Even when the payment was " found '' I was never notified by Nationstar that they had " found '' it ; I had to figure that out on my own by going online to my account. Nationstar Mortgage has been disrespectful, unprofessional, and dishonest throughout this nightmare. In addition, it is unsettling to me as a consumer when I wonder where my XXXX 2016 mortgage payment was while it was " missing '' The funds were gone from my bank account but yet they were not applied to my mortgage for a month? Something is not right. 
Thank you.
Called NFCU with Financial Counselor from XXXX XXXX XXXX XXXX, XXXX XXXX. NFCU was able to locate the debt and I was ready to make a payment settlement. However, NFCU would not allow me access to the collection debt without giving a telephone password. I am currently in basic training at XXXX and I did not know the secret password however I was able to give all identifiable information, but NFCU would not allow me to make a payment towards the debt without knowing the telephone password. NFCU stated that I would have to mail them a letter requesting the removal of the requirement of the telephone password. I am currently in basic training and unable to break away from training to fax a request or mail a request for NFCU. I was ready to make a debt settlement payment but NFCU refused to take any payment until the password requirement was removed. I do n't remember the password and I am unable to break away from basic training because of duty requirements. NFCU has the debt and has complete access to the debt but will not allow me to pay towards the debt even though I can give any and all personally identifiable information over the phone.
Fifth Third Bank is the servicer on my mortgage and responsible for paying all property taxes on the property pursuant to the escrow agreement. Since  XXXX  of 2014, they have failed to pay a portion of the property tax. That outstanding portion sat on my account unpaid and collecting interest. I only found out about this when I was in the processing of re-financing the loan and the outstanding amount was discovered. I have asked Fifth Third to reimburse me the amount of interest that unpaid portion of the property tax and they have yet to respond. I fully expect the interest charges on that amount to be reimbursed and feel a fine should be in order. If I had n't refinanced and caught this omission of duties on their part, I 'd be looking at a huge property tax bill some 26 years down the line when I finally manage to pay off my mortgage. This is completely unacceptable.
the company that reported me has illegally reported my account, to credit bureau, late 30 and 60 days in XXXX and XXXX 2014.
I attended XXXX XXXX for a XXXX degree program for XX/XX/XXXX-XXXX. I was never advised of a private loan being taken out until collection efforts began. I was able to defer the loan for no more than 12 months and after that I had no choice but to pay them for my credit to remain clear. All other loans were able to be entered into student loan and public service loan forgiveness, except this private loan. I am struggling to pay this loan every month, which I did n't know existed until about a year after graduating, and the loan company is advising that I have already used deferment and have no other options available to me for repayment.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
this is what keeps coming up on the cr rpt, their XXXX is this is not them ACCOUNTS MANAGEMENT SVCS {$0.00} {$120.00} XXXX accounts reported on Apr XXXX, XXXX XXXX account reported on Apr XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$120.00} Balance XXXX Original Creditor {$120.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 

Responsibility Consumer disputes this account information Medical Remarks Note See something wrong? 

You could
All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as XXXX inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..
XXXX of 2016 I contacted Sallie Mae Loans in order to follow through with a repayment option. I was only told and directed to forbearance option. No other options were " available '' While the forbearance is intact I was away on military XXXX limiting my interest rate to 6 %. But I returned and thus rejoined going to College at XXXX XXXX University. I contacted the loan provider that XX/XX/XXXX/XX/XX/XXXX time to let them know I would be attending school and would like to know who actually owned my student loan debt as I know they sell them off to other companies. But they did not provide that information and still have not provided that information to me. Also i was interested in getting the in school deferment plan but I was told no such program existed since they were a private loan institution. Now that I know that is false. Had this information been released to be I would have applied for this way earlier and saved money for myself in the long run. I know that Sallie Mae had problems with this earlier as they had legality issues pertaining this recently. This was unfair to me as a citizen, military member and loan holder as I should have been told about my options from the start and they should be easily and readily accessible to me.
I have been trying to pay off in full my 6 loans, one by one. They are applying it to the incorrect loan, when I call they tell me they will fix it. Its never fixed, I ask for things in writing before the call is completed. I never get anything in writing. This is negatively affecting my credit score, which is affecting my home buying process. I have perfect credit other than my student loans because Navient has played games with me for years now.
Nationstar/Mr Cooper has added forced insurance and escrow to my account when I have insurance and have presented it multiple times. I filed a complaint with you XXXX XXXX 2017 and now they have deducted for property taxes they did not pay and still deduction forced insurance. My account is a mess even though I have never missed a payment of principle and insurance. Now they are selling my account to XXXX XXXX.
Discover Card closed my account without my consent or notice. It is a credit card I kept active due to the higher credit limit on it, and it was one of my longer held accounts which has an overall affect on my credit score. I am extremely disappointed that credit companies are allowed to do this, knowing the way the credit scoring system is set up, and the detrimental damage it can cause to the consumer! This policy that these companies can use to close dormant accounts needs to be changed!
I received XXXX student loans from XXXX University in XXXX, Ohio. Student loans said I received XXXX loans from XXXX University and XXXX Loans from XXXX College in Georgia. I had never been to Georgia. We argued back and forth about loans. I got my congressman involved ( XXXX XXXX ). They say they were sorry they made a mistake I received all XXXX from XXXX University. I did n't receive XXXX loans. Even if I had received the XXXX loans they came to a little over XXXX. When I called student loans they claimed my initial loan amount was for a little over XXXX. It was double the amount. I have already paid over XXXX and they claim I still owe XXXX. I have tried everything they told me to do and it 's still not resolved. They were the ones that made the mistakes but I have to pay for them with interest and penalty charges every week. They get XXXX dollars a week from my payroll check. I would appreciate any help you can give.
This debt was paid by my insurance provider, XXXX XXXX XXXX and the XXXX XXXX XXXX. that I qualified for XXXX treatment.
NationStar has repeatedly made erroneous charges to our mortgage account, continue to bill us for tax and insurance escrow though we pay our taxes and insurance directly to providers/county and they have reported inaccurate information to the credit bureaus ( ie. stating our account was discharged with a bankruptcy when it was not, showed our account paid in full when it is not and then ultimately deleted the reported account entirely rather than correcting it when a dispute was filed ). NationStar 's practices seem predatory and their telephone staff spend an enormous amount of time transferring us with no resolution to issues.
I request a Home Depot credit card ( HDCC ) approximately two and a half year ago, but i never received a letter to granted or decline. In XX/XX/XXXX when i purchase my house, I found out about HDCC, after that I call several time to request the CC but I only received a Fraud Dept. Letter from HDCC to confirm my identity, after I call them and give the code they supposed to send my the CC but never received. 
On XX/XX/XXXX I call the Executive response Office from HDCC to verify the status of my complaint and the address was correct. Today XX/XX/XXXX I spoke to XXXX my case manager about my account number to make a payment, on Purchase that I did on store without the CC, and she told me that they received a letter on mail requesting change my address to a XXXX XXXX XXXX, XXXX. 
At that point I told then it was n't me and I fill a compliant with the XXXX Sheriff Department case # XXXX. 
This company was very neglect from the begging on this account they never sent a letter to confirm the account compromise my Credit report and at this point I never received the CC I do n't have Acct Number, Phone # ( XXXX ) ( XXXX ) they can find my acct using my cel #
Equifax continues to erroneously report an account ( XXXX XXXX ) with a negative payment status to my credit report even after I have disputed the account both directly with Equifax and with XXXX XXXX. XXXX and XXXX have correctly removed this account from their records, but Equifax has refused to do so. This account was my husband 's account and I was only an authorized user.
There are 6 inquiries listed on my XXXX and experian report that I DID NOT authorize. I called XXXX and Experian to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
I paid charter communications through Enhanced Recovery system and it is still reporting unpaid. I have proof letter from them. Account # XXXX
We applied for a 3.75 % fixed rate mortgage loan to refinance our current mortgage loan with TD Bank. We qualified with our income. The home appraisal showed we had 28 % equity in our home. The loan was for a {$550000.00} and the house appraised for {$XXXX}. The rate was locked until XXXX/XXXX/2015 but when we were going to close TD Bank changed the terms to increase the interest rate and lower the loan balance. This is a classic bait and switch scam to take our {$450.00} application fees and not honor the loan we applied and qualified for.
I HAVE INFORMED TRANSUNION OF INCORRECT ACCOUNTS REPORTING ONTO MY CREDIT FILE YET THEY STILL CONTINUE TO REPORT ACCOUNTS THAT MAY HAVE BEEN OPEN DUE TO IDENTITY THEFT. I HAVE INFORMED TRANSUNION THAT I AM A VICTIM OF IDENTITY THEFT AND ALSO HAVE SENT IN SUPPORTING DOCUMENTS YET ACCOUNTS SUCH AS XXXX WITH THE AMOUNT OF {$420.00}, A MEDICAL ACCOUNT WITH THE AMOUNT OF {$65.00}, 2 ACCOUNTS FROM XXXX XXXX IN THE AMOUNTS OF {$530.00} AND {$280.00} WITH THE SAME ACCOUNT NUMBERS, AND AD XXXX XXXX IN THE AMOUNT OF {$700.00} STILL APPEAR ON MY FILE THAT I DID NOT AUTHORIZE OR DO ANY BUSINESS WITH. THESE COMPANIES CANT EVEN PRODUCE A CONTRACT BEARING MY SIGNATURE SO HOW IN THE HECK ARE THEY VERIFYING IT WITH TRANSUNION. THESE ACCOUNTS ARE A RESULT IF IDENTITY THEFT.
I am currently unemployed since XXXX 2015, position was eliminated and have been aggressively seeking employment. I was able to stay afloat with income tax returns but now I am falling behind now 2 months mortgage payments and car notes along with monthly utility bills. Single parent of XXXX sons and I believe I 'll be getting a job real soon. I just need a little help to pay what I 've fallen behind on and I can get back on track. Thought moving from the city to the suburbs to give my children a safer place to live and better opportunity to succeed in this world without dealing with bullying and senseless crime. But I need a little help. So please if at all possible I need financial help until I get back on my feet financially.
I contacted Carrington mortgage, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, because they were charging me late fees. I have NEVER missed a payment. They changed the payment amount in XX/XX/XXXX but since I was overseas I did not get the message. Apparently escrow analysis was done and they changed the amount of the escrow payment - making my full payment to fall short of what they were charging. The fixed rate principal and interest did not change - their analysis of the escrow taxes or insurance did yet they felt inclined to hold my payment " in suspense '' until the next payment arrived then " applied '' the previous payment. <P/>They held my money, not applying it to principal nor to my regular payment justifying charging me late fees. This seems quite unfair. They are refusing to waive or reverse any late fees even though I have made my mortgage payment to them without fail and on time for more than 15 years. <P/>Apparently Carrington Mortgage holds peoples money in their bank without credit or interest. This seems illegal to me. Please investigate their practices and charter.
Transunion has sent my credit report to an address I have never lived and they made the mistake twice this month. Now one of my accounts have experienced fraud twice this week. This is something that just started happening and Im not sure how it happened but Transunion had no business sending my credit report to an address that I dont live. An occupant of the other address provided me my consumer report if they had not I wouldve known it happened.
I applied for a modification with Nationstar Mortgage. Nationstar has modified my mortgage but while on the modification has reported my mortgage being late to the credit company which has caused my credit score to drop to a XXXX. Nationstar has also called me at least XXXX times asking when I was going to make my XX/XX/XXXX payment when my mortgage statement and my poc said no mortgage payment was due until XX/XX/XXXX.
" MULTIPLE PROBLEMS WITH A CITIBANK , N.A . IN U.S.A. AND IN THE XXXX. ". I HAD BEEN TOURING AS A RETURN RESIDE T IN XXXX WHEN I LOST POSSESSION OF MY CITIBANK BEBIT MASTERCARD IN XX/XX/2018. ON XX/XX/2018 ;. I REPORTED TO THE CITIBANK RESOLUTION FOR ESCALTION TEAM TO TAKE INTO CONSIDERATION, MAILING MY LOST ITEM ( PERSONAL BANKING CARD ) REPLACEMENT FOR MY IMMEDIATE HELP. IT NEVER HAPPENED. MANY PROMISES WERE MADE AS I AWAITED IN ONE HOTEL FOR IT WAS MAILED ACCORDING TO CITIBANKING AGENT ;. THEN IT WAS RETURNED ACCORDING TO ANOTHER AGENTS BECAUSE  OF LACK OF ZIP CODING AND ISSUES FINDING THE HOTEL, 'A PLACE OF BUSINESS IN XXXX TRANSACTING EVEN OVERSEAS WITH XXXX MAIL SERVICES, ETC. ". 
" I KEPT IN CONSTANT CONTACT WITH CITIBANK BECAUSE I HAD THE INTENTION IF RESIDING IN XXXX, XXXX XXXX OF THE XXXX AND WAS UNABLE TO FIND A SUITABLE HOME FOR RENT OR PURCHASE ;. IF CONSIDERED WITHOUT ACCESS TO MY FINANCIAL INSTITUTION AND CITIBANK 'S PERDONAL ACCOUNT FUNDS. '' " I HAD NOT BEEN SUCESSFUL WITH USE OF ONLY A DEBIT CARD FROM ANOTHER DEPOSIT ACCOUNT ''. " ANOTHER OBDTACLE WAS THE FACT THAT I HAD NO ACCESS TO STORE MY " XXXX  '' AT ANY FAMILIES HOME THEY WERE ALWAYS KEPT AT THE XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX. '' " I HAVE NOW RETURNED TO YHE UNITED STATES WITH NEEDS OF ACCESSING MY FUNDS FROM CITIBANK LOCAL FINANCIAL INSTITUTION ''. 
". AT THIS TIME, ALL I HAVE BEEN ADVISED BY AN EXPORT MANAGER IS THAT MY HOUSEHOLD GOODS " HHG '' ARE IN THE U.S.A. IT IS UNDER THE CONTROL OF A BROKER COMPANY, XXXX XXXX XXXX And XXXX XXXXXXXX XXXX XXXXXXXX. ". I AM BEING REQUESTED TO MAKE PAYMENT BY BANK ACCOUNT ONLY BUT HAD NO ACCOUNT TO DRAWN ON. NONETHELESS, I OPENED AN ACCOUNT WITH ANOTHER FINANCIAL INSTITUTION CALLED XXXX XXXX. HOWEVER, THIS ACCOUNT IS NOT EXACTLY ACCESSIBLE TO ME AS MY DEBIT CARD WAS CLOSED. FUTHERMORE, IT IS UNDERGOING REVIEW AS A RESULT OF UNK. REASONS. '' 1 ) " CITIBANK HAS NO FINANCIAL INSTITUTIONS IN THE STATES OF MISSISSIPPI AND TEXAS, currently ONLY ATM outlets ''. 
2 ) " CITIBANK HAS ALSO REFUSED TO ALLOW THE REISSUANCE OF A NEW BANK CARD TO MY CURRENT ADDRESS IN THE U.S.A. '' 3 ). " I WAS TOLD THAT I MUST RETURN TO ANY UNITED STATES OF AMERICA FOR IDENTIFICATION PURPOSES. I ASKED IF ANY OF THE 50 U.S.A. STATES WOULD DO, AND YES I WAS TOLD. '' " THESE ARE THE REASONS THAT I NEED IMMEDIATE ACCESS TO MY PERSONAL CHECKINGS ACCOUNTS WITH CITIBANK TO OBTAIN MY FUNDS.
XXXX XXXX XXXX was paid for laboratory services and added an additional rider to the insurance claim sent to XXXX XXXX. The additional rider was denied and I submitted an appeal to my insurance ( XXXX XXXX ) and a secondary appeal to the XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I submitted the appeals based on the EOB 's received from my insurance denials. I never received a single bill from XXXX XXXX XXXX and I personally verified they had my correct contact information. I even have email correspondence with a XXXX XXXX with her providing an explanation of the insurance rider code to assist with my appeals on XX/XX/XXXX. The rider is a fee attached for professional review of laboratory results that the Dr claiming the fees never personally sees. All labs were taken at XXXX XXXX XXXX and ran on site and returned within minutes. XXXX XXXX XXXX is essentially extorting money from patients outside of what insurance already pays. While awaiting appeal results my " debt '' was sent to Account Management Resources as a collection with a date of XXXX XX/XX/XXXX under two accounts in which I only noticed due to a change in my credit score in XX/XX/XXXX. One totaling {$2800.00} and the other {$400.00}. I have never received a bill from either company for these amounts and I have proof that I've paid the only bill I received from XXXXXXXX XXXX XXXX in the amount of {$67.00} back in XX/XX/XXXX. These debts have never been validated and I was not given the chance to fully dispute the charges or make payment arrangements prior to the debt being sent to collects and to my credit score.
XX/XX/XXXX, {$810.00}, I checked my credit report and noticed a collection that was reported XX/XX/XXXX. I never received a letter or phone call from this company notifying me of a collection from almost XXXX years ago. I contacted the company and asked why I was not aware of the collection, they gave me a collection department phone number instead.
I am a consumer who has been a victim and I know my rights. on XXXX XXXX, 2017 their were XXXX inquires that was reported to my credit report without my consent. I have tried numerous of time to have them disputed from all XXXX credit bureau so far I had no luck. I also submitted the request from the actually company that I have never heard of. well after 15days went by no one seem to help. I 've called numerous time but no change has been made. As a consumer I have rights. the fact that I have a fraud alert on my credit report the company still manage to run my credit without my consent. the following companies that ran my credit on the XX/XX/XXXX was XXXX XXXX XXXX XXXX, prestige, XXXX XXXX of XXXX XXXX and others. It would a huge help to have these credit inquiries remove off my file that way I can have a better start in rebuilding my credit score.