WillisBack/dataset-financial-user-claim huggingface dataset:
I received from XXXX XXXX a promotional email soliciting a XXXX XXXX XXXX credit card through AMEX. I filled out AMEX 's online app with ALL information EXCEPT my social security number. I entered " random '' numbers for a social and called the AMEX new accounts number telling the agent what I had done. I offered to provide my number over the telephone, but informed them I wo n't put it online. The agent said, " No problem, if we have your name, address, telephone number, and birth date we can get your social. '' Several weeks passed with no correspondence, so I again called AMEX. This time I was told there were verification problems with address, phone number, and social security number and a letter was being sent seeking XXXX and address and phone number verification. As I believed I was lied to by the agent I contacted XXXX XXXX VP Global New Accounts. Her representative XXXX contacted me as to my concern ( logic would answer do n't have your phone number ). I received the XXXX and I complied with that request plus I returned a voided check from my bank with PRINTED address and phone number plus a photo copy of my driver 's license. Now I have received a request for a bank letter head stating my address verified by an official ( logic again : this is the SECOND letter AMEX has mailed to me ) plus a notarized copy of my social security card ( logic again : I have PROOF AMEX ran a credit check on me, how did they do that without a social security number and what did AMEX do with the XXXX I signed? I KNOW what my credit score and rating is and AMEX IS  HARASSING ME! I have not received a rejection letter because of " risk '' as my record shows there is none. For whatever reason, I am being HARASSED for information of which AMEX logically has possession! DISCRIMINATION FOR REASONS UNKNOWN
I AM A VICTIM OF IDENTITY FRAUD. I RECENTLY FILED A DISPUTE WITH TRANS UNION A CREDIT REPORT AGENCY. THE REPORT HAS SOME INACCURATE INFO. THE PERSON WHOM THESE ACCTS. BELONG TO LIVES IN XXXX, KANSAS. UNFORTUNATELY THEY ARE USING MY INFO. TO OPEN ACCTS AND OTHER SERVICES. 

THE ACCTS. IN QUESTION APPEAR AS CHARGED OFF. THEY DO NOT BELONG TO ME. 
HOPE YOU CAN HELP ME AND OR GIVE ME DIRECTION ON HOW TO GO ABOUT BLOCKING THE USE OF MY SSN. AND OTHER PERSONAL INFO.
My name is XXXX XXXX. Along with my ex-husband XXXX XXXX, we purchased our home in XXXX NJ in XXXX. Unbeknownst to me, my husband took out a second mortgage line of credit for {$75000.00} in XXXX. When we got divorced, the property was awarded to me through the divorce court. As part of the agreement, XXXX XXXX was to continue making the mortgage payments on the property. Since all mortgage bills were sent to his apartment after he moved out, I was not aware of the existence of this second mortgage. I was recently served with legal papers by the holder of this mortgage, Specialized Loan Servicing,  stating that the loan was 15 months delinquent and that the amount past due was {$9800.00}. I immediately began trying to contact Specialized Loan Servicing to discuss the matter, but their agents refused to discuss with me, claiming that I was not the borrower on the loan. I tried again and again, I asked for a supervisor, but could make no progress. I dont see how it is possible that SLS can try and initiate foreclosure proceedings against me, the rightful owner of the home, without even giving me the opportunity to work to resolve the matter. I am not able to repay the full past due amount in one large sum, but would like to work something out. I am the legal owner of the home, and this is a second mortgage. The first mortgage is current and we have no issues and I feel it would be much easier for Specialized Loan Servicing to attempt to work this out with me or to transfer the loan into my name. As it stands now they will receive nothingthey are in 2nd position and my ex-husband is not the rightful owner of the home so I dont see how they would have any legal grounds to foreclose, especially since I am trying to resolve the matter with them. I am contacting your agency to see if you can investigate the actions of SLS and assist in getting this logjam broken and getting the lender to recognize that even though my name is not on this loan, I was the rightful owner at the time of origination, I occupy the home and I am the rightful owner now and I have a court order that proves it. If I was not part of the equation for SLS, why would they serve legal paperwork to me?
I receive up to XXXX calls a day, some past XXXX from synchrony bank ... It is nerve wrecking
Trying to buy a home. Ran my credit on XX/XX/XXXX and the XXXX  account came up. I called right away and paid. I need a letter of deletion and this removed from my account to buy my home they said to file through this website and XXXX   would allow it to be deleted
showing XXXX on Experian acct. XXXX Not my account. Please take off as I am trying to close on a house and This is holding up the closing
Hello I am writing this today because I am aware of transunion had 2 glitches. There glitch made people 's inquires get deleted. Then they added them back on. This is clear violation of the law. I am suppose to get a 5 day notice to inform me. I have asked transunion multiple times to delete my inquires of my report. They are in clear violation.
Pro collect is trying to collect {$330.00} for XXXX XXXX apartments when I have never lived or applied there. They claimed that I may have co-signed for someone and I did not. This is not my debt and they refuse to delete it from my report. I was never sent a dunning letter about this debt prior to it hitting my report and they have not be able to provide a copy of the lease contract that they allege that I had with The XXXX. I spoke to a representative today ( XX/XX/2018 ) and he says he was looking at my lease contract but he refused to email it to me. I want this erroneous debt removed from my report ASAP!
My house appraisal is at 250k+.i owe XXXX on my house, Still PennyMac insists on charging me for mortgage insurance.I want mortgage insurance canceled since i have 120k+ equity in my house.
Reference Complaint ID : XXXX-XXXX Thank you for your assistance in my attempt to close out five savings accounts with Capital One. You have all this information in my complaint file. I attempted to call Capital One as per their suggestion after CFPB got involved. This was unsuccessful as I could not get through their phone maze. Thus their solution was no solution at all. Capital One has the written/signed letter from me requesting the close out of these accounts ( 5 ) and wire the funds ( c. {$64000.00} ) to my checking account. All this information is one their system. This has been going on for a month. This is unethical and illegal. Please intercede again in the expectation of finally getting this done.
I have been sending complete loan modification packages to my lender. He tells me to wait 30 days and after that he sends me a new package to apply again, without giving me any answer. We have repeated this process over and over again without any help. I attach the last letter they send me, equal to many they sent before.
On today 's date XX/XX/2018, I called Pro Comm Services in XXXX, Illinois to verify my debt. My request was repeatedly denied, stated " we are not a billing agency, we only go by phone not paper ". They also refuse to accept any payment of it not in full. I would not agree to any kind of arrangement unless it is in writing which they also refused to send.
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.
Select Portfolio Servicing Inc. has made repeated errors reconciling my escrow and as a consequence they are calculating a 2017 payment that is more than it should be. I have requested that it be corrected multiple times. XX/XX/XXXX, they misapplied my payment to insurance and this created an arrearage. I have called multiple times since XX/XX/XXXX and this issue has not been corrected.
In the year XXXX got a financed car and to have a new credit I approved a financial in New York by " Condor Capital " always pay my payments a day, but already for XX/XX/XXXX that vehicle sold and when approached the payment date call the financial to notify you the cause of the late pay of my payment for that month they told me that I would put a note in the system, next month still Bank that would finance you vehicle to whom I sold it had not approved the loans but had asked the news who had my loans, that gave them to understand I knew that there was a process of actual sales. The process of closing hard 3 months because it was a personal loan was paid entirely to my Bank and my complaint is that they I reported on my credit late pay for the 3 monts XXXX and think not just because knew the situation and was to pay them.
Carrington Mortgage assumed my loan from XXXX in XX/XX/XXXX this is the third company this year to have my mortgage. I was in the middle of a modification with XXXX XXXX XXXX when the mortgage was sold to XXXX. Then again began a modification with XXXX and the mortgage was sold to Carrington. I received a request to pay stubs for the previous thirty days from Carrington due by XX/XX/XXXX I had just started a permanent job also sending Carrington the offer letter received from my current employer. I began the job XX/XX/XXXX. I did send my previous pay stubs from a XXXX position which ended XX/XX/XXXX. I have received two checks from my current employer emailed everything to Carrington. I had only received on check by the time frame given and emailed directly. They have now cancelled the request because they did not receive the information when requested! How ridiculous. I was injured at work in XX/XX/XXXX had XXXX XXXX XX/XX/XXXX and was unable to work for several months and had not received work comp benefits for several months. There is a letter from my attorney stating this!
On or around  XXXX   XXXX  I purchased a new  XXXX   XXXX   XXXX  and financed through   XXXX   XXXX   XXXX   XXXX   XXXX     now known as On the  XXXX   XXXX   XXXX . Due to medical issues and multiple  XXXX  I fail behind on my car loan and the vehicle was repoed in  XXXX  of  XXXX . I immediately filed Bankruptcy that same month and was able to retain my vehicle. Since that time    XXXX   XXXX   XXXX   XXXX   XXXX    aka   XXXX   XXXX   XXXX   XXXX     has continued to report to all  XXXX  credit bureaus that my loan is currently  XXXX  days late every single month, have changed my orginal payment from {$420.00} to {$200.00} a month and reports I 'm past due about {$1400.00}. Once my Bankruptcy was filed they were ordered to cease with all collection activity and to not report on an account that 's covered under the Bankruptcy. I have disputed with both   XXXX   and Transuion for the pass  XXXX  months and the each respond that the creditor verified the account is valid and to take it up with the orginal creditor. I have sent request for each bureau to send my proof to validate the said debt and neither company has followed through with providing me with that I information. Furtvermore, I have provided proof of BK documents and filings proving this loan was covered and that they should have not been reporting anything on this account for the past  XXXX  and  XXXX  months to be exact.
Was served court papers from " Jefferson Capital Systems , LLC saying I owed them money. I wrote to the company  XXXX   XXXX ,    2017  and asked for verification, the name of original debtor, and amount of original debt. Then on  XXXX   XXXX ,  2017  they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On  XXXX   XXXX ,  2017  they sent me another letter saying I owed "  Jefferson Capital System LLC, again  without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by  XXXX   XXXX  that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).
My daughter was attending the XXXX XXXX XXXX but they were closing there doors and only offering online classes to students for them to finish off in order to receive their degrees. We were not informed about the situation when she first started there. They then told us that she could transfer to the XXXX campus seeing as she would have difficulty with the online courses with her XXXX which are documented and were turned in. I informed them that she had doctors appointments and testing that needed to be done for her medications and asked if the following semester would be better. They told me no that it would be fine for her to start that semester it would be no problem at all. As it turns out, they said she missed to much time and kicked her out. they advised us that she could n't come back until she paid for that semester in which was already paid by fasfa and direct plus. We have talked the companies that hold the but nothing has been done so far and they keep wanting us to make payments. She has had to enroll at another college in order to continue her education that works with her XXXX, but her pell and other grants have been reduced due to all of this and XXXX was giving her classes that she was n't prepared for due to requisites not being followed or classes she did n't need. I feel that we should n't be penalized for the time she spent at XXXX.
My loan was purchased by Lakeview Loan Servicing LLC from XXXX mortgage. I was notified XXXX days later that my payment was late ( I had not clue my loan had been purchase ), then XXXX week after that I received notice that I did not have hazard insurance. 

Bottom line - nothing transferred between lenders as I had auto-payments established with XXXX. My insurance is current on the property XXXX XXXX XXXX. Very concerned my escrow didnt transfer or will be applied appropriately. 

Lakeview has XXXX ability for online access and their process for validating insurance is broke ( mail instructions with code do not work ).
On XXXX/XXXX/XXXXwas the closing of the home I sold XXXX - the XXXX held funds because of the buyer on XXXX funds were release and the bank was paid on XXXX I got a letter from the bank stating I was 30 days late in my mtg payment the letter was dated XXXX and I figured that the funds crossed with the letter. 
on XXXX - I was notified via e mail from my credit bureau that I was late in my payment. I called the bank and was informed that the letter was a mistake. I was not in default. The payoff was short and that they were going to notify the title company that day. I asked to have my credit corrected and they were to do so. I asked what else I should do and was informed to call my closing attorney and give him a heads up. This was the first time he got this information. He tried to call the bank but they would not speak to a third party and he told me I had to call them and to speak to a supervisor. Which I did. I spoke with Crystal the supervisor I asked why I was no one informed until now. She said they tried to call me at two phone numbers that have been out of service for 5 years. Now They have been mailing all the information to the Florida address but they never called the Florida number. She informed me that they sent a fax to the sellers attorney informing them of the shortage. They never got the fax, I asked if they would wave the fee and she told me that the best she can do is remove the {$72.00} and the payoff would be {$930.00} She also told me that no further late fees would be applied. She asked me when this would be settled and I told her I wanted it done that dayFriday XXXX. I informed my attorney and was asked to call XXXX back and have her fax the payoff total to them with proof that they faxed the information to the sellers attorney. This was not done. I called XXXX back 4 times on Monday XXXX no response. Tuesday XXXX I got a call from the default department about my late mtg payment. Spoke to XXXX who told me that XXXX is very busy and could not speak to me now but she would send an XXXX mail to her. On XXXX I got another call from the default department. Spoke to a XXXX who said there were so many names on this issues she would put an urgent e mail to XXXX to get in touch with me that day. I also called XXXX back and asked her to call me and she did not. I was reported to the credit bureau twice more on XXXX & XXXX for a late mtg payment and the total was now up to {$2800.00}. I do n't know what to do. I do n't want to ignore this situation I want this settled. I also e mail two ceos of the bank and my attorney did the same. I also got in the mail information how to avoid foreclosure and to call the default department for help. I am not sure they are all aware of what is going on. 
I feel so helpless and hope that you can assist me with this matter. 
I have NEVER been late in a mtg payment so I do n't even know if there was a grace period. If there was a grace period maybe the payoff was correct. 
ALSO I do n't feel I should be the one to pay this fee but I am willing to do so just to end this matter. Please help me Thank you in advance
XXXX XXXX failed to follow the provisions of Regulation X of RESPA. They never provided XXXX XXXX with the Post Foreclosure Referral Notice required by 12 CFR 1024.39 ( b ), they never made the live contact with XXXX XXXX required by 12 CFR 1024.39 ( a ), and they " dual tracked  '' XXXX XXXX ' loan by simultaneously advancing foreclosure while he was in review for loss mitigation.
My information was thought to have been stolen during the equifax security breach in XX/XX/XXXX. I have initiated a 90 day fraud alert but am worried about what else could come of this
I have reviewed my Credit report and found several account unrecognized items from your office ASSET CARE LLC # XXXX, # XXXX, # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
I have a XXXX/XXXX XXXX credit card. XX/XX/XXXX, I was informed that due to the disolution of their business relationship my card would no longer be valid starting XXXX XXXX. I proceeded to replace it with another XXXX XXXX card in XXXX XXXX and kept the previous one so I would not affect my credit score by canceling it. 
XX/XX/XXXX I received a letter in the mail from Citibank, stating that the XXXX/XXXX card is being replaced by a Citibank/XXXX card and that I would be receiving mine before XXXX. Since I had already replaced the credit card with another XXXX XXXX and have the number of cards I need and want, I called the XXXX-Citibank office immediately to let them know that I did not want to have the credit card sent. To my surprise, I was told that I could n't stop the process and that I will be receiving said card soon. Ever since then, I have contacted XXXX and Citibank both written and by phone, to no avail. I keep getting the same response, that regardless if I want it or not, I will still receive it because they have my information in their database already. Two weeks ago, I received another letter in the mail saying that my card will be on its way soon. 
I am frustrated and disgusted, to say the least, by the unethical way that these companies are conducting business. It can not be legal to force a customer to accept a credit card that has been expressly declined and I absolutely refuse to keep it. A credit card is a serious issue and canceling it, will affect my credit score. Citibank has failed to respond to my complaints and I need help stopping this process before I receive their credit card. Please let me know what I can do. This is a violation of my rights as a customer.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Trans Union several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report, I've called Trans Union and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX 's acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX XXXX acct XXXX & XXXX 's acct XXXX.
it was a company, XXXX that said i owed them for a product that was returned over 7 to 8 years ago. now they put my account im collections for XXXX for what they said i bought again. was not notified & XXXX wont remove from my account. never gave them my social or any info. dont owe this company not mine
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying  this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.