WillisBack/dataset-financial-user-claim huggingface dataset:
I originally had a credit card through XXXX. At the time of that opened account, I was experiencing difficulties with receiving income due to XXXX XXXX and not being able to work. I was homeless at the time and couldn't pay my bills. This account went into collections with XXXX XXXX. After XXXX XXXX placed derogatory marks on my credit report through XXXX and Trans Union, they sold this account to XXXX XXXX XXXX XXXX. 

In XX/XX/2015 I was awarded XXXX XXXX with backpay for the years I was unable to work. I then called the creditors that I had debt collections with and paid all of my debts in full. I also requested to have these accounts deleted, which was agreed upon. Neither the account through XXXX XXXX or XXXX XXXX  were ever removed. This year i've checked my credit reports, because my score has still been low, even after paying these debts. I've contacted XXXX XXXX and XXXX XXXX to ensure that they remove the derogatory accounts from my credit reports, because they have been having a negative impact on my credit score. XXXX XXXX has removed this account from all 3 credit reporting agencies while XXXX XXXX  has not. I have also written letters to both Trans Union and XXXX requesting that they be removed with no response to my disputes. I am taking it a step further by contacting the CFPB for assistance. 

In this correspondence, I will include the letters I have sent to XXXX and Trans Union ( both  notarized ), I will include the letter from XXXX XXXX stating they are not responsible for the account anymore, and I will include the letter from XXXX XXXX XXXX XXXX stating that the account has been paid and they have removed it from my credit reports. The account numbers for XXXX XXXX and XXXX XXXX are the same.
authenticity of documents, proof of chain of assignment, Rushmore Loan Management Services LLC SAID THEY OWN OUR LOAN NOW THEY SEND US SAME OLD DOC AND MAKING NEW ONES CFPD DO YOUR JOB XXXX XXXX C RESPA ( XXXX XXXX XXXX OLD XXXX Case number XXXX CFPB review Response disputed XXXX/XXXX/XXXX
On XX/XX/XXXX I checked my credit report to see a new account listed in collections from XXXX XXXX XXXX with account originating from " XXXX CHECK INTO CASH '' for the amount of {$280.00} that had been paid down recently by 12 % and is not {$250.00}. This was very suspicious because I've never even been to a check into cash XXXX nor have I made any kind of {$30.00} payment towards a XXXX loan. I checked online to see what the requirements were for application for a XXXX loan and it was paystub photo id etc. So someone must have all these types of verification documents about me enough for the XXXX loan company to approve the loan. Or this XXXX XXXX XXXX company is doing something very shady and unscrupulous with my identity. What boggles my mind then most is : who what and where is the {$30.00} coming from to pay down the account?
I received a summons regarding a debt oved from XXXX for {$7.00} and from XXXX/XXXX/XXXX for {$150.00}. I was never served with the original summons in XXXX so had no way to dispute it then. We I asked CBS for a copy of the original summons they provided XXXX & put a note with it that the original summons for XXXX was not 2 checks but 1 check and a debt. I have attached 10 pages from all of the correspondence with CBS & the court. I tried filing a few minutes ago but after I got all done there was an error.
These calls are coming in to my employment, cell phone and family and friends phones who this pathetic company should not even have..how did they get some guys number i used to be friends with? This guy contacted me on XXXX and said some XXXX are hounding him, looking for me. and stating that I have a debt that must be paid. They threaten by saying police will come and that i need to hire an attorney. sometimes they call at all hours of the day and say nothing, then call again and say nothing. These methods have to be illegal in some way?! Shouldnt they be forced to send state certified letters with seals stating that the debt is mine and then set up a payment arrangement of some kind? I get trying to collect debts but theres a better way than harrassing, IT NEEDS TO STOP
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge on XXXX/XXXX/2015. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
When I purchased the home at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX on XX/XX/XXXX, the house was overpriced and divided into XXXX mortgages. XXXX of them was an adjustable rate loan of {$290000.00} with an interest rate of XXXX. The other loan is a balloon note for the amount of {$73000.00} with an interest rate of XXXX. 
My present rate under the American Servicing Company ( Wells Fargo ) is presently 7.250 with the majority date of XX/XX/XXXX with a monthly payment of XXXX with an unpaid balance of {$270000.00}. On the balloon note, the present outstanding balance is {$66000.00} the current interest rate is 11.450. Monthly payments are {$720.00}. 
I have tried on various occasions to have this refinanced, and it has been impossible. 
In as much as I wanted to be the cosigner for my daughter and her husband at the time. My wife and I ended up being the buyers and they told us that in six months that would change. It never happened. 
I need help! 
Thank you. 
XXXX XXXX XXXX
There is an account, XXXX XXXX XXXX  XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX  Delaware that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX Delaware several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.
House was scheduled for Foreclosure on XX/XX/XXXX As of XX/XX/XXXX I was still in a possible loan modification. I have the paperwork to show this from the lender.

OnXX/XX/XXXX I spoke with lender who said they would not foreclose on me and would removed my home from the auction based on a cash for keys deal. This was on a recorded line verified by my lender.

In a letter dated XX/XX/XXXX my lender stated that they were reviewing my modification. 

Lender is XXXX XXXX
I am filing a complaint against XXXX XXXX XXXX. A credit card was opened with XXXX XXXX XXXX on XX/XX/XXXX. The credit limit was {$400.00}. The date of my last payment was XX/XX/XXXX. I encountered financial hardships shortly thereafter and was unable to continue payments. The actual charges I put on this account were below the {$400.00} limit ; however, when this account was closed, only 5 months later, XXXX XXXX XXXX  had almost doubled the original balance by adding on predatory fees and penalties inflating the balance such that on the date the account was closed ( XX/XX/XXXX ) the balance was {$700.00}. They then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX, the original creditor, has already been paid for this debt and as such, XXXX XXXX XXXX has no right to request this debt be paid for a second time. In addition, XXXX XXXX XXXX is now inflating the debt even more, requesting an additional {$280.00}. The current balance they are saying is owed is {$980.00}. This is pure exploitation. Now XXXX XXXX XXXX is attempting to garnish my wages to coerce me and entrap me into paying for these unscrupulous business practices. It has been nearly three years since the original debt. XXXX XXXX XXXX has recouped any loss they might have had through tax write offs and compensation from selling the debt. XXXX XXXX XXXX has no right to collect {$980.00}. I never ventured into any contractual agreements with them and therefore their actions are malicious, nefarious and full of corruption. This is a common tactic used by XXXX XXXX XXXX that has been used against friends of mine and various customers. They must be stopped from using these habitual, corrupt and unethical business practices. XXXX XXXX XXXX has two other related entities that they bounce these debts back and forth among to avoid justice and so they wo n't get caught and to keep the government regulation agencies off balance.
I have been repeatedly contacted at work by Merchants and Medial Credit Corporation XXXX XXXX XXXX, XXXX MI XXXX about unpaid tuition fees, after receiving a notice in the mail 1 week ago. I am unable to take personal calls at work. They have threatened that they will continue to call me at my place of work until I 'm able to come to terms. I live in a different time zone from them and have a hard time connecting to them outside of work and plan to communicate with them on a Saturday when I do not work. I think that this is harassment. I have asked that they not contact me and that I will call them on Saturday, as I said I just received the collection notice on Monday. Additionally the person that called me was very rude and aggressive. They would not listen to me when I was asking them to stop calling me at work and that I would call them back. He said if I did n't pay something right then that he would just keep calling. I explained that it is impossible for me to pay as I do not have any money and he still would n't stop.
URGENT REQUEST FOR IMMEDIATE RELIEF : I am a XXXX in financial distress, please help me today. Thank you. XX/XX/2016 Citi Bank agreed in writing to remove an escrow account of {$600.00} from my mortgage, and I signed the Citi Escrow Removal Agreement form and faxed it, which Citi received XX/XX/2016.The bank refuses to remove the escrow account -- claiming they need to pay my taxes of {$2700.00} XX/XX/XXXX, which was not a condition of their signed Escrow Removal Agreement. My escrow account has almost {$4000.00}., more than enough ; and Citi demands I continue paying into the escrow account in my payment due on XX/XX/XXXX. The Citi Agreement had no such conditions to the escrow removal -- is acting fraudulently, and abusively. Please help me today, I am available for a press conference immediately. Thank you so much. 
Please respond immediately to me, XXXX XXXX. Ph : XXXX, email : XXXXXXXXXXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Cit Loan XXXX. I have complained 3-times to the Citi Customer Service Dept ( after being cut off 6 times and was cut off after waiting on hold 45 minutes ) and am the victim of deceptive business practices, fraud, breach contract, and intentional infliction of XXXX.
On XX/XX/XXXX My bank account with PNC was frozen and -XXXX dollars to which i did n't even have XXXX in it. I inquire and find out they said it 's a Bank Lien from a company called XXXX XXXX apparently based in XXXX XXXX. There is a long story to it so to shorten this, I am a victim of Fraud in XXXX XXXX ( i just found this out today ) PNC here in XXXX should have never processed the lien as it was fraud docs as well as being expired. I lost 2 days of work over this and had to work with the Court in XXXX and PNC Garnishment department to get this resolved asap as I need to pay mortgage and my wedding on XX/XX/2016. I was successful with getting the funds released but am not concerned as to why my bank was not able to protect me in this and with the documents they received as I 'm told should have never been processed from the start and I want answers as well as anything i would be entitled to in this. I probably may need to go to XXXX for a court hearing at some point. None of this happened in my state of residence XXXX the lein was sent to my XXXX address when i was in the service to which i have not lived in XXXX since XX/XX/XXXX. Please contact me to review and/or help me through this ordeal I just went through b/c at this point i no longer trust Banks if they could n't protect me from a " supposed '' government entity ad well and not XXXX government.
i got involved into a car loan with 23 % apr with a promise to refinance, but coming to find out the lender does not refinance existing loans. leaves me stuck paying XXXX in interest.
My Mother passed away after battling several illnesses including XXXX. As her Executor I have been made aware of a lien from XXXX for a debt they purchased from Chase. Thus far I have been unable to get anyone from plessler and pressler or XXXX to provide first hand knowledge of this debt and to prove it is not part of the recent CFPB XXXX Consent Order with Chase. Every communication has been strictly an effort to get the Estate to pay it without regard to my duty as the Executor.
I checked my credit score and there are listings with companies claiming that I owe money for debts I do not recognize.
My mother had been banking with Wells Fargo for years, so naturally she encouraged me to get a bank account/savings with Wells Fargo, which I did. Shortly after I turned XXXX XXXX XXXX on XXXX XXXX, 2008 I went with my mom to the bank where they advised to get a credit card to build my credit. My mom, a first generation immigrant from XXXX with little to no knowledge in finances, was convinced by the banker that this was the right thing to do for my credit. Not long after I fell back on payments since I did not have a stable job at the time and I was making only the minimum payment. At a certain point the card maxed out due to fees and high rates. At that point, Wells Fargo instead of reaching out to me, the credit card department increased my card limit from {$500.00} to {$1100.00} as a solution when the card was maxed out due to fees not overspending. it created additional financial distress for me when the card should have been closed out or they just have tried to reach an agreement with me. I believe that my mother and I were unfairly targeted because of my youth and her financial inexperience. I tried to contact Wells Fargo numerous times to get a resolution to no avail.
I called Quicken Loans to ask a question about a mortgage- The customer sales person asked me for my name etc. before I received an answer to my question! Unbeknownst to me my credit score was impacted because of a " Hard Inquiry '' - It does not seem right to have your credit score come down, when your just want a question answered about the company in question services! 
Your question " Which part of the mortgage process is your issue related to? '' Does not apply so I put Applying for a loan - which I am not or did not!
An inaccurate Judgement is being reported on my Equifax credit report. The company made a mistake and requested that the entire trade line be removed from my credit report. It was requested on XXXX XXXX 2016. It is now XXXX XXXX and this judgement has not been removed from my credit report.
My goodness I have been through it with getting information on my Credit Report changed. XXXX, XXXX and Experian have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.
Advance America XXXX, Colorado continues to charge my account the wrong amount bi-weekly. I have not authorized the amount. I have called them multiple times regarding this and they choose to avoid it and continues to try and withdraw the money.
Lender : Professional Bureau of Collections of Maryland , Inc . XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX I was contacted by this collection agency, on XXXX/XXXX/XXXX to repay a student loan I had that went into default in the amount {$5300.00}. The lender aggressively advised me that they had completed an " asset investigation '' and how much available balance was left on a credit card and advised me to max out my credit cards to make the payment. I was also advised to take out a title loan on my car for {$2100.00} to settle the debt and to make the payment. One of the " bosses '' that I had a conversation with told me about how lucrative of a business they had collecting debts and that 's the only reason he was still in that trade. I received a call today XXXX/XXXX/XXXX and was advised that my payment did not go through for an amount that was completely out of my range. I told the representative that I could not max out my credit cards and the amount requested XXXX was completely out of my range. I told them I was susceptible to making arrangements to getting the account current and making monthly payments. The representative told me that they did an " assest investigation '' and knew that I was employed and would seek alternative resources to collect the debt. I still want to get the account current and work so that it eventually gets paid off.
THIS IS NOT A DUPLICATE COMPLAINT This is a follow up to complaint XXXX Wells Fargo responded to my initial complaint but it did not address my main concern. A balance transfer was completed without my permission, without me requesting it and they are claiming that when I requested a balance increase that I did and that is incorrect. 

I replied to the their response with this : Hi, Wells Fargo response has incorrect information. When I requested a credit limit increase to {$13000.00}, I never asked for the balance transfer to be automatically done. I never gave the representative information on my XXXX or XXXX account for Wells Fargo to one, know the balances ; two, know my account numbers ; three, know which companies I had credit cards with. I understand that balances and company names are available on my credit report but where did you get my account numbers? Why was there a balance transfer that I never requested? 

MY ISSUE IS NOT RESOLVED. THEY ARE DENYING XXXX  OUT MY BALANCE. I want them to be held responsible for continuing to do things for customer that their customer did not request. They continue to do this and have recently gotten out of a huge scandal but they are not stopping.
My credit score is suffering due to a deed-in-lieu of foreclosure created by XXXX Military Permanent Change of Station extreme hardship. I understand my credit may be affected for a period of 1-3 years, however on my credit report the delinquency is showing it will hurt me through 2022 ( over 7 years ). What help, assistance and/or protection is afforded to me under the FHFA, SCRA and HAP?
My husband passed away XXXX/XXXX/2014. The mortgage is in his name. We never had a reason to contact NationStar Mortgage Co. when they purchased our loan from our previous lender. Now that my husband has passed away, I have the deed placed in my name but can not assume the mortgage because I am not an authorized person to speak with the mortgage company. They have increase my mortgage and will not explain anything to me. I have been making payments since the death of my spouse. I received a letter from Nationstar stating my mortgage would increase if I did not pay the additional {$870.00} needed for escrow. I paid it, but they still increased my monthly payment. I went to probate court who explained the process to get the deed into my name, also explain there was no quick deed required for a death of ones spouse. I just need the mortgage company to explain the increase in the house payment and know what is needed to assume the mortgage and try to get a loan modification.
A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is XXXX XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. 
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : XXXX % discount payable in 2 payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, XXXX XXXX , XXXX *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC will not sue you for it, and LVNV Funding LLC will not report it to any credit reporting agency.
Dear CFBP : At the end of last year I was on XXXX and I was unable to pay my Avant bill on time. After I came off XXXX, I made payment arrangements with the company to cure the past due balance. During this time, I was making double payments each month, 1 payment to cure the past due balance and another to pay the arrears starting in XXXX. During this time I noticed that they were reporting wrong. 

I have made numerous calls and I 'm pretty frustrated with how my accounts are being reported to the credit bureaus. 

As of today, I should only be {$100.00} past due on XXXX account. ( Which I just paid today ) When I look at my account is says that but when I pulled my credit report is says that the last reporting date is XXXX 2016 and that I 'm {$10.00} past due and 90 days late. 

How could this be? I need a full payment breakdown that include past due status. For some reason Avant 's credit reporting is n't matching with my online account.