WillisBack/dataset-financial-user-claim huggingface dataset:
Took a payday loan out with castle Payday in  XXXX   XXXX   2013  ... there were hidden fees I did n't know about until after . ... Well  now 4 years later I get a call about suing me ... They threatened to serve me
We signed on a mortgage with two other people. We never intended to live in the home. 
They could not qualify for the mortgage alone. agreed to sign with the and at first the mortgage was paid on time and everything was good. Then we learned that the mortgage was behind and facing foreclosure. We were able to modify the loan and take the two people off of the loan that lived in the home and we thought we would have been able to come off of the loan and the home would be in their name only. 
That they could and would be able to own the home with our names off of the mortgage. 
Well, that did not happen. they separated and finally divorced. After as i mentioned before we were able to modify the loan, we did not live in the home. We had an attorney and a real estate broker who came to us and convinced us to let them manage the property and collect the rent, they even selected the tenant and collected the rent. 
They were supposed to make the mortgage payments. They took all of the rent money {$48000.00}. that they claimed they did not collect. 
They would not give us possession of the property, we found got possession and now I am living in the home with my XXXX children. I am working and can afford to make the mortgage payments. All that I am asking is that the bank would work with me and give a chance to save the house. I am able to making a sizable good faith down payment if necessary.I ask that Chase would give me XXXX XXXX a chance to save the home and do what is right by making my payments for the home I now live in. Please help me and my children. At this point I never had a real chance to work with Chase. 
Thank You
Contacted XXXX XXXX concerned about a inquiry on XXXX/XXXX/XXXX, I was told to contact creditor. I contacted creditor who after a 1hr call stated to dispute it because they have no information that pertains to me or the inquiry. I contacted the cb and they told me to file a complaint because they ca n't remove an inquiry unless the creditor sends documents to remove. Which they can not because the creditor has no info for the inquiry
On XX/XX/18, XXXX XXXX XXXX reported alleged debt for alleged medical services, which adversely affected my credit. XXXX XXXX XXXX failed to ever provide notice of any debt, identify any debt, attempt to contact me to discuss alleged debt, and may have acted fraudulently in reporting the alleged collections efforts. XXXX XXXX XXXX is unresponsive to my efforts to correct their error. As the result of XXXX XXXX XXXX ' intentional misrepresentation and/or egregious negligence, my credit score has been negatively affected. I would like the error corrected immediately.
I am concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the account XXXX   XXXX has nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car.
XXXX 2016 XXXX XXXX XXXX/XXXX reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.
Loancare purchased my loan XX/XX/XXXX. Since they began servicing my loan they increased my escrow account by {$1700.00}, claim I am late on my XX/XX/XXXX payment and refuse to credit me for what is their mistake. Their telephone wait time was one hour and after waiting they said they could not help me. At this point Loancare can not tell me the status of my escrow dispute, the location of my payment and now are demanding well over {$2500.00} dollars to " catch up ''. I have never been late on my mortgage and have a perfect payment history for the last 3 1/2 years.
I filed a CFPB complaint with XXXX XXXX on XX/XX/XXXX regarding credit reporting issues related to Capital One Auto Finance under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX.
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. XXXX XXXX is now reporting an open auto loan with Capital One Auto Finance as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of Capital Ones recent letter and images of how XXXX XXXX was reporting in XX/XX/XXXX and XX/XX/XXXX It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged off.
Hello my name is XXXX XXXX DOB XX/XX/XXXX. Ability Recovery Services LLC ( XXXX ) contacted me on my cell phone. The first I heards of this debt was in XX/XX/XXXX/XX/XX/XXXX. I attempted to gather information regarding this debt ( {$1300.00}, account ID XXXX ) because I know very well what my family owes and this debt is not one of our debts. As I began to ask questions regarding the debt the representative told me this was a visit to XXXX XXXX XXXX XXXX XXXX on the first few months of the year XXXX. I informed her I XXXX XXXX have not visited a medical place in XX/XX/XXXX much less located in XXXX XXXX. The representative then asked me are you not XXXX XXXX DOB XX/XX/XXXX and this was a visit to this clinic in XX/XX/XXXX???? I responded absolutely NO! She then began to ask me what my date of birth was and I was very suspicious of these people trying to pin this debt on someone with the same name so i did not offer any personal information ( please do not share any of my personal information to them ). I did state to them this was not my debt and i was not paying for it, her response was then will see what you 'll do when it gets on your credit reports. I am outraged at his company and how they are trying to pin this debt on me and i did not even get sick in XX/XX/XXXX and i have not visited an urgent care center or nothing alike in XX/XX/XXXX.
Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in XXXX. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!
My Experian " XXXX XXXX XXXX '' shows that on XXXX/XXXX/15 XXXX XXXX reported a new account under my name, the balance being {$38000.00}. ( Please see attached screen shot ). I never opened an account with XXXX nor did I take out any financing that might be underwritten by XXXX. 
I assume this to be a case of identity theft / identity mismatch. I took it up with XXXX XXXX who could not find an account held by me, XXXX XXXX XXXX referred me to Experian. 
I further discussed the case with Experian, as the account does not appear on my credit report, but only in the " XXXX XXXX XXXX '', I can not file a formal dispute.
I do n't owe any outstanding balances. From what I looked up the number called usually calls about student loan debt from XXXX which is not yet due for me.
On  XXXX   XXXX ,  XXXX  I received a letter from  Chase Business Card Services indicating  the bank closed my Chase Business Ink credit card account. see attached letter.     I contacted the bank on  XXXX   XXXX ,  XXXX  to inquire about the closure and requested account reinstatement. After going over financial as well as credit review, the associate advised that he submitted request for reinstatement.     On  XXXX   XXXX ,  XXXX , I received a phone call from representative  XXXX  from  Cardmember Services f rom  XXXX  AZ advising that upon review of the request, she was unable to   reopen the account due to 2 reasons.
1. Accounts on Credit report have not been open long enough.
2. Number of accounts on credit bureau.
I have had this Chase Ink accou  nt since  XXXX   XXXX . I always maintained a good history with this card as well as other credit cards that I have, personal and business.     I would like this matter to be reviewed on  the executive level and reinstate my account. The reasons the bank is using are vague and does not apply to me what so ever.
I have contacted transunion to tell them I have been a victim of their inquiry problem and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Here is a list of inquiries desired to be deleted : XXXX  Inquiry : XX/XX/XXXX ( XXXX ) XXXX   XXXX XXXX XXXX  XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX
From XX/XX/2018 to XX/XX/2018 Chase Bank had charged me XXXX NSF transactions total of all transactions is XXXX. 
I had called Chase Bank center 3 or 4 times did not resolved anything Best regards XXXX XXXX XXXX
Last week I was contacted by a debt collection agency by the name of  Halsted Financial Services, LLC  and told that they had a debt of {$150.00} that I owed   XXXX   XXXX   XXXX  . I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I owed   XXXX   XXXX   XXXX   anything and they told me that the email was all they had. I have been called upwards of  20  times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If   XXXX   XXXX   contacts me with proof of the debt then I will pay the debt.
I incurred student loans while attending the University of XXXX. My student loans were serviced by Sallie Mae/Navient, who never advised me of student loan forgiveness through public service/law enforcement employment. Rather, they continuously provided deferments. Only in XXXX did I learn of the public service student loan forgiveness program from a co-worker. Subsequently, I contacted the Department of Education and asked all the criteria and details to qualify for public service student loan forgiveness. I was advised to consolidate my student loans with the Department of Education and was advised step-by-step which repayment plan to enter in order to qualify. I contacted the Department of Education several times over the next few years to make sure I was on track with the right repayment plan. The last time I called, I was told that the repayment plan I was making payments under did not qualify for the public service student loan forgiveness program. I have worked for the federal government in law enforcement for 26 years. I hold Navient responsible, but the Department of Education as well for misleading guidance and information. None of the payments I have made qualify for the student loan forgiveness program. I am XXXX years old and my student loan debt is higher than the original loan amount. In XXXX tax year, only {$4.00} went toward the principal, and even less in XXXX. This started with the O'Bama administration. I did find after researching the federal register that the O'Bama administration failed to make student loan forgiveness programs known to the public and that Congress directed that measures be taken to make the public aware of such programs. XXXX, even the Department of Education was/is remiss in its duties to make borrowers aware of the proper repayment plan. I was deceived, misled and misguided by Navient and the Department of Education about the requirements to qualify for Public Service Student Loan Forgiveness programs. My student loan debt is higher than the original amount now by about {$5000.00} to {$10000.00} dollars. Please help!
I filed a CFPB complaint against Equifax for adding a consumer statement my credit report without my consent. On XX/XX/18 Equifax acknowledged to CFPB that they deleted the consumer statement. I checked my credit report and Equifax did infact delete the consumer statement. Today XX/XX/18 I paid for my personal credit report and noticed that Equifax added the same consumer statement back to my credit report after they acknowledged that they had deleted it. I am fed up with Equifax lying to me and CFPB. I want the CFPB to know that Equifax has done anything but be truthful, they keep adding previous disputed information back to my consumer file. I will show proof for my credit report XXXX that the consumer statement was deleted and my credit report for XXXX that it was re-added.
On XXXX I received my first notice/bills from Carter Business Services , Inc ( the collection agency ) in XXXX, MA in the amount of {$1.00} for services provided on XX/XX/XXXX and {$59.00} for services provided on XX/XX/XXXX. These two notices informed me that XXXX XXXX, XXXX has released my personal and individually identifiable health information ( PHR ) to Garter Business Services in order to collect the outstanding balances. Prior to these two bills/notices I have paid all my medical bills to XXXX XXXX XXXX. I have never received any bills from XXXX XXXX, XXXX. The transfer of my personal information and PHR was done without my knowledge or my authorization and violated HIPAA regulations and Massachusetts Privacy Act. I mailed a letter to XXXX XXXX XXXX Privacy Officer on XX/XX/XXXX and requested a rescind of my all personal information and my PHR from Carter Business Services , Inc and deletion of any adverse information on my credit report. I also requested a written response within 10 days but have not received any response. 
I called Carter Business Services, Inc on XX/XX/XXXX and XX/XX/XXXX and provided them with copies of all my medical bills paid to XXXX XXXX XXXX. I also called my medical insurance, XXXX XXXX XXXX and it was confirmed that my annual deductible has been met. I disputed the claim from Carter Business Services, Inc in writing by sending them a letter dated XX/XX/XXXX and requesting a validation of the alleged debt to XXXX XXXX, XXXX. I also informed the Carter Business Services , Inc of " breach of security '' with respect to my personal information and unsecured PHR without my authorization. 
I received a written response from Carter Business Services , Inc dated XX/XX/XXXX referring to the attached paperwork as a copy of the " itemized bill ''. It had a balance of {$61.00}. The paperwork contained more sensitive individually identifiable health information ( PHR ) with names of procedures, referring doctors and medical tests conducted during the year XXXX. 
On XX/XX/XXXX I mailed my response stating that the copy of the itemized bill has no viable evidence, bearing my signature that I have any contractual obligation to pay the alleged debt. Also, Carter Business Services, Inc have not provided me with any agreement that grants them the authority to collect. 
I mailed another letter to XXXX XXXX XXXX Privacy Officer and XXXX XXXX, XXXX dated XX/XX/XXXX asking them to rescind all of my personal and PHR from Carter Business Services , Inc and requested that all adverse entries on my credit report by Carter Business Services , Inc be deleted immediately. 
Please feel free to contact me by phone at XXXX. 
Thank you. 
XXXX XXXX.
I had my mortgage through XXXX XXXX and they sold my loan to homepoint financial.they sent me notification on this and once it got switched over my mortgage payment raised from XXXX per month to XXXX.thought at first they put a second homeowners insurance policy due to the fact my homeowners didnt get faxed over or whatever the case may have been but after talking to my insurance agent that wasnt the case.iv been trying to contact them daily for the last month and a half.have NOT received a call back or even an email back what so ever.the only person Ive talked to was in the insurance department and they keep transferring me to a different department because apparently they cant tell me why my mortgage has raised that much while having a fixed interest rate.once transferred they wait time has been anywhere from 15m-30m wait.iv sat on the phone for HOURS waiting after a few hours the phone just hangs up.no one there will talk to me about it or even email me about it.in the month and a half of trying to get ahold of them i have yet to hear a word back on this topic.in the mean time iv had my insurance agent re-fax my homeowners policy to them and i know they have gotten it.so now idk what to do other then this which was suggested to me through my original mortgage lender.i have all emails and all phone call records on hand just am not able to attach them for some reason.
The data showing on my  XXXX  account states : " {$10000.00} from  XXXX  to  XXXX  and {$500.00} from  XXXX  to  XXXX  '' for the credit limit. This is incorrect for the {$500.00}, the account was closed with a {$10000.00} limit.     This was previously disputed with the credit bureau and a second attempt was unsuccessful online with an error message.
XXXX XXXX XXXX who is also Comenity Capital is reporting an account that was in dispute. XXXX XXXX XXXX is collecting for XXXX XXXX XXXX. XXXX XXXX XXXX did not complete the dental work correctly. I disputed the charges. They did not respond. I sued XXXX XXXX XXXX and it was stipulated that they refunded me {$1800.00} and attempted to correct the dental work. They were unable to complete the work so they referred me to another dentist. Essentially I won the lawsuit. XXXX XXXX XXXX is reporting the account under the original terms and that I was late when reality I won the lawsuit. There was a small amount still owed for other work. The terms are completely incorrect as well as the payment history as it went to court. The court case number is : XXXX and the court was XXXX XXXX XXXX. XXXX vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed X/XX/2017.
I have contacted Equifax multiple times and made them aware that I am not able to get my credit report and credit score and this is important to me because I have been a victim of identity theft and I have been suffering the consequences of it for many years. I have contacted Equifax a total of 43 times over the past year and trying to sign up for their credit monitoring service so I could see my credit report on a daily basis, and so that I could monitor the fraudulent activity on my credit file, but I have not been assisted. What happens is that you are transferred about 15 times during you call until you finally ask to speak to a supervisor, and then you are told that Equifax is blocking you from monitoring your credit score and credit report because your file is being handled in the Consumer Affairs Department. When you ask them why they are blocking you, they ca n't give you a valid reason. When you keep asking them they end up hanging up on you. I have called multiple times and asked why ca n't I monitor my own credit report and credit score, and I have not only never been helped but am always hung up on. <P/>It is tragic that a credit reporting agency would block a victim of identity theft from monitoring their credit reports and scores for fraud. It is like Equifax is a part of the fraud and do n't want you to see what is going on with our credit file. They have refused to provide me access to my report and score for over a year without a good reason.
My original note was owned by XXXX Bank and I was given a loan modification, at the same time I was offered the Loan Modification my loan was sold To Nation Star Bank and subsequently my loan modification offer was not honored and I was forced to resubmit for a new loan modification. All of the income and documentation was the same and I was turned down for a loan modification. I have resubmitted several times at the request of Nation Star and have been turned down each time.
I have been getting calls everyday twice a day ( both home and cell ) from both places I have student loans from. Sallie Mae and XXXX are constantly calling whether a payment is scheduled or not. Sallie Mae will not work with other payment arrangements either.
XX/XX/XXXX @ XXXX XXXX I was called by a debt consolidation company that claimed they would lower my credit cards interest. They called from XXXX. Our phone number has been on the XXXX no call list since XX/XX/XXXX, verified. They are using cells and burner cells to call me. We have no consumer debt. 
I asked for the companies : name and address and was told no and they hung up.
Cache, LLC filed a garnishment against me on behalf of XXXX XXXX XXXX XXXX. I do not even know who they are. They failed to send me any information regarding this supposedly {$50000.00} loan. They have garnished my personal account and I have no idea who they are. According to the Dept of Licensing, a current investigation is underway to determine and pinpoint their illegal practices.
CREDCO FAILED TO FURNISH MY XXXX CREDIT REPORTS AS REQUESTED ON XX/XX/2012.
Bank of America reported me to XXXX for fraud when I did not commit fraud. I told them I would pay fees I accumulated. But I told them I would n't pay for a bounce check wrote by client. that I deposited and recived no money from. And I asked them to remove the fraud from my name on XXXX. It is unfair to report me for fraud if I have not committed. I had been a long time client with them.