WillisBack/dataset-financial-user-claim huggingface dataset:
I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since XXXX ). As advised by many experts, on Sunday XXXX XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.
In XXXX, a foreclosure proceeding was brought against me by XXXX XXXX XXXX under Index # XXXX in XXXX XXXX, New York State Supreme Court. On XXXX/XXXX/XXXX, I received a letter from the attorneys for XXXX XXXX XXXX f/k/a XXXX. informing me that I may be entitled to {$20000.00} if I agreed to a " deed in lieu ''. On XXXX XXXX, XXXX, I asked my free union legal services attorney to let XXXX XXXX XXXX know that I was interested in accepting that offer. I never received a reply to the XXXX XXXX, XXXX letter. During the litigation, I received a letter from XXXX and I sent a fax notifying XXXX that there was a title problem with my mortgage. All the foreclosure papers and mortgage documents mention house # XXXX but XXXX has no such house number and all the letters that I receive from XXXX indicate that I am the owner of house # XXXX. The building consists of XXXX ( XXXX ) attached XXXX ( XXXX ) family homes that are " connected ''. I own only XXXX ( XXXX ) of the connected homes. My neighbor who owns # XXXX discovered he really owns # XXXX not # XXXX. The foreclosure action brought by XXXX XXXX XXXX was discontinued on in XXXX XXXX. On XXXX/XXXX/XXXX, a new foreclosure action was commenced by Green Tree Servicing, LLC. I have been denied multiply loan modifications. One of the issues is that the appraisal being used for my home value, appears to be an appraisal of both house # XXXX and # XXXX making the house appear to be worth more than it really is. Even more confusing is that Green Tree has sent to me two ( 2 ) letters denying my loan modification. One letter dated XXXX/XXXX/XXXX and the second dated XXXX/XXXX/XXXX. The house value on both letters is different. I am not qualifying for the loan modification because the loan to value is not a true reflection of reality. I am a XXXX ( XXXX ) year old, single, XXXX woman who works for the XXXX. I borrowed {$460000.00} in XXXX XXXX to buy this home. I XXXX at work in XXXX, I was out of work on Workers ' Compensation and in XXXX I had surgery. The first foreclosure action was pending against me for four ( 4 ) years with no activity whatsoever by the lender. The interest ballooned to an amount that has brought the loan balance to over {$710000.00}. No matter how much income I earn through work and rental, it is not enough to qualify me for a {$710000.00} mortgage. Green Tree has put an artificially high value on the home or they are valuing the home connected to my own in reaching the various market values. 
On the denial letter dated XXXX/XXXX/XXXX, Green Tree values my home at {$720000.00} and indicates that the Principal and Interest on a Proposed Modification would be {$1200.00}. Then in a letter dated XXXX/XXXX/XXXX ( one day later ) Green Tree values my home at {$700000.00} and indicates that the Principal and Interest on a Proposed Modification would be {$1.00}, XXXX. Both proposed modification amounts I can afford with my current income. Yet, I have been denied a modification.
Ask for 70 % reduction did not wo n't to negotiate.I am on a fix income trying to improve my credit it ab out six years old .So I have it removed my credit file.If paid they said they would not removed my credit report.
Apon checking my credit report I found Capital One is reporting XXXX credit cards against me. I wrote and asked them to remove these accounts as well as the inquiries from this company because acccording to the Fair Credit Reporting Act they have exceeded their alloted time to report against me. Capital One is ignoring me and the law states they have to remove these accounts. Capital One keeps sending me these letters asking me to submit things they know I do not have because I have already sent it to them.
They are still showing that we were late on payments and owe back pay. I have letters and payment history showing where XXXX XXXX XXXX held our payments for months, and then applied them all at once which made it look like we were late. See attached documents proving.
I have visual voicemail and this is the message I was left, " This is a very urgent message for XXXX XXXX my name is XXXX XXXX (? ) and I 'm calling you in regards to XXXX (? ) enablement. I 'm now serving your final legal notification. This is in regards to your case number baby XXXX. Very to respond will result in you forfeiting any in all rights for voluntary restitution the case will be forwarded out to the County clerks office in XXXX County to be prosecuted to the fullest extent of Ohio 's State law and suspension of your drivers license. It is very urgent you need to contact XXXX XXXX immediately at XXXX .... ''
Called regarding a cable bill for a location I have never lived with a company I have never had an account with and wo n't stop calling. They are robo-dial calls, so generally there is no one on the other end. I have disputed the claim and left XXXX messages for their dispute department.
We refinance our home with XXXX XXXX XXXX on XXXX 2017 and our old mortgage with Chase was paid off on XXXX XXXX 2017. On XXXX XXXX we called Chase Mortgage to see when would theyll be sending the money from our escrow account back to us for the amount of {$1800.00} dollars, they said we were only getting {$690.00} back because {$1200.00} dollars out of the {$1800.00} dollars were sent to the XXXX XXXX to pay for the property taxes which it didnt make any sense since our new mortgage with ( XXXX XXXX XXXX ) paid it already. XXXX XXXX has told us they are sending the money back to Chase by the first week of XXXX. That means Chase should give us our money before the end of XXXX not in 3 months. The right thing is for Chase to refund our money now since this was their mistake and since they have done nothing but lie to us and give us the run around, even their letter from the XXXX of XXXX says we will receive our money with in 10 days of closing.
XXXX XXXX XXXX IS THE NAME OF THE COMPANY, I WAS TOLD MY LAST PAYMENT WAS XXXX AND I PAID IT, NOW THEY SAYING IT WAS XXXX DOLLARS, AND THIER IS A XXXX DOLLARS LATE CHARGE, I TOLD THEM WHAT I PAID CAME FROM YOU GUYS TELLING ME THAT, AFTER THAT THEY CALL ABOUT 3 TIME A DAY TRYING TO COLLECT, I TOLD THEM AND EMAIL A STOP CALL LETTER BUT THEY SAID SINCE I OWE A DEBT THEY GOING TO KEEP CALLING
I noticed while reviewing my mortgage statement with Ditech, XXXX XXXX XXXX, a line called 'Unapplied Amount '. I overpay my mortgage every month. Apparently, this company takes any additional money I mail in for my mortgage, and allocates it to a non-interest bearing account, where it sits indefinitely. Why would I mail money to a mortgage company that does not get applied to the mortgage? Their response is, " You did n't indicate what you wanted us to do with the money. '' What I want them to do is pay my mortgage. How is it legal that they can allocate the extra money I send for my mortgage into a non interest bearing account, make the minimum payment on my mortgage, and continue to charge interest on the remaining mortgage balance? 

The sole purpose of this 'scheme ' of not paying my mortgage with the money I send them is to extend the amount of time I spend paying the mortgage, and prevent me from paying it off early. Why would an account like 'unapplied amount ' even exist? Except to criminally hold my money, for no good reason, to prevent my mortgage balance from being paid down.
On my Experian credit report, there is an account listed past due for a one month term of {$2400.00}. Neither the Experian nor the collection agency have sufficiently provided proper validation of this account. I am requesting that the following accounts be removed from my credit reports, as they have been previously removed and re-inserted more than once with incorrect info, without proper validation, a new date to reage the account and falsified information. Experian has allowed this and refused to remove. I will be filing complaints with the XXXX as well : Account Name XXXX Account # XXXX Account Type Other Collection Agencies Balance {$2400.00} Past Due {$2400.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month -- XXXX Account Name XXXX Account # XXXX Account Type Collections - non specific Balance {$2400.00} Past Due {$2400.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month XXXX Account Name XXXX XXXX Account # XXXX Account Type Collections - non specific Balance {$930.00} Past Due {$930.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month -- XXXX - Account Name XXXX Account # XXXX Account Type Other Collection Agencies Balance {$610.00} Past Due {$610.00} Date Opened XXXX/XXXX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month XXXX - Account Name XXXX Account # XXXX Account Type Variety Stores Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Charge-off High Balance {$0.00} Limit {$0.00} Terms Revolving
these are NOT my debts -- -- They are NOT collectible by me. Please DELETE from by Credit reports. case # XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Item does NOT belong to me.
case # XXXX Same as above. Noncollectable NOT my DEBT .... Delete from credit report. XXXX on EQUIFAX - CONF # XXXX  dated XXXX XXXX, 2017 PLEASE DELETE ASAP! Thank You! XXXX XXXX
I contacted Experian or about XX/XX/XXXX regarding an incorrect entry on my credit report. I provided them a copy of a letter from the XXXX Department of Insurance and Financial services which reads in part : " XXXX 's response dated XX/XX/XXXX, apologized for the correspondence you received from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding the collectron of a debt in the amount of {$200.00}, as your account was sent to the collection agency in error. XXXX stated they contacted the credit bureau to [ accurately ] update their reporting. '' Experian responded that this was not good enough. Now if a letter from a regulative agency is not good enough to correct their screw-up, what is?
My account was reported as 30 days late in XXXX 2016.  XXXX XXXX XXXX XXXX showed a {$0.00} payment due at the time. They also had the wrong address on file and never sent a bill to the correct address. I have disputed this matter over 3 times with no correction to my credit report. I have even called several times to get the issue corrected and there has been no update to my credit report.
XXXX/XXXX/XXXX My husband and I were victims of a fraudulent transaction at XXXX XXXX Hyundai. We were convinced or rather " conned '' into trading in our 4 month old XXXX Hyundai Elantra for a more expensive vehicle ( XXXX Sonata ) with the promise of a XXXX XXXX passenger van. The van transaction was being done on the side and being delivered from their " repo lot '' in XXXX. This entire transaction took place at the dealership with gentleman XXXX XXXX XXXX XXXX XXXX XXXX XXXX sales XXXX ) who both represented themselves as employees. Once the paperwork was signed, XXXX XXXX said he had to take the new XXXX to XXXX to bring back the van. We took home the ( trade in ) Elantra until he returned with the van. On XXXX/XXXX/XXXX we still did not have the Sonata or the new van so we called the dealership and spoke to XXXX XXXX and demanded the Sonata back or would call the police. A gentleman by the name of XXXX XXXX returned the Sonata to our place of residency this same day with XXXX miles on it. On XXXX/XXXX/XXXX, XXXX Al XXXX came to our home and picked up the XXXX to ( reportedly ) take to the dealership as this was the car we were trading in. We were told the van would still be delivered to us this same week. 
After being ignored by all staff at the dealership and hung up on, we filed complaints to various agencies and asked to see the owner of XXXX XXXX Hyundai. We met with the alleged " partner '' XXXX XXXX who stated he had no knowledge of such transaction and denied knowing XXXX XXXX XXXX XXXX XXXX. XXXX XXXX stated he felt horrible and would help us get a van and into a less expensive vehicle. After a couple of weeks, we were financed for a XXXX XXXX XXXX on XXXX/XXXX/XXXX. This was our only sincere interaction with XXXX XXXX. During our meeting, XXXX XXXX denied knowing XXXX XXXX and XXXX XXXX. Both XXXX XXXX and XXXX XXXX reported to us that neither men work for XXXX XXXX Hyundai. 
On XXXX/XXXX/XXXX we were called into the dealership to resign paperwork since wife changed employment. When my husband went to the dealership he was told the financing did NOT go through and they took the Malibu back. He was NOT offered the Sonata back. I had to go to the dealership to pick my husband up ( The Sonata was seen for sale on the lot ). Hyundai Motor Finance called several times demanding late payment for the Sonata. We explained what happened and requested cancellation of the loan since dealership had the and still has the XXXX. XXXX XXXX stated he would pay the first month payment of the loan as a goodwill gesture ( see attached- it 's not even the right car ). When I called Hyundai finance, no payment had been made. 
We believe this was another attempt to deter us or defraud us. 
We have NO idea how we got financed for the vehicles since our credit is less then average XXXX we upgraded. No money down ; trade in was a new car. We had also gone to XXXX other dealerships prior and were denied. 
Also, after checking credit reports, we have OVER XXXX hard inquiries from XXXX XXXX Hyundai, Hyundai Motor Finance and XXXX XXXX XXXX on both of our credit reports. without permission
i was trying to open a new credit card account and equifax has a freeze credit on the account, i dont know why. i tried calling equifax about the issue and they can't find me in their system so i have no idea where to get the help.
There were two hard inquires that I did not authorize. I do not know how these inquires were made and why. 

One was from XXXX XXXX - XX/XX/2018 Another one was from XXXX- XX/XX/2018
An individual has placed my email on their chase account and I continue to get late notices for the account. I have called them and advised them that I do not have access to log into that person 's account and take my email off and I am not on the account as well.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Portfolio Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Experian is not properly verifying my account. I have tried to dispute with them numerous of time, but I am not receiving anything that is validating the debt listed on my credit report.
equifax have failed to do a proper investigation of fraudulent and erroneous accounts on my credit file when i was involved in there data beach
Paragon Revenue recently reported XXXX collection accounts on my credit report. I did not received a notice of right to dispute prior to the accounts hitting my credit report.
On XX/XX/XXXX, we went to court as the company who purchased my debt ( Atlantic Credit ) obtained legal respresentation ( XXXX XXXX XXXX ). I, did not have an attorney representing me. The attorney for XXXX XXXX XXXX had me sign the judgement form ( outside the courtroom in the hallway ) stating it was proof I showed up for court. I advised him that I did not want to and that I wanted to see if I could obtain an attorney ( as I was completely unfamiliar with the situation ), I also wanted to discuss my options with the judge. The XXXX XXXX XXXX attorney stated the the debt was valid because I signed for the credit card. 

In XXXX, I made two written requests that included payments ( {$200.00} and {$20.00} ) via money order to them and requested they send me in detail a list of the alleged charges and fees. However, they failed to respond and provide anything I requested. 

In XX/XX/XXXX, my wages began to be garnished without me ever being formally served or notified. I have only attended one court hearing and were not notified of any other proceedings. 

My wage garnishment were 25 % for the total {$1900.00}. 

On XX/XX/XXXX, it was reported to be my final wage garnishment, however, when I called XXXX XXXX XXXX they advised that it was not my final payment ( although the judgement stated so for the final amount paid ) and that it was still accumulating interest. I advised them that the order was already set and payment was sent for the balance. The advised that I still owed interest as it was accumulating although my wages were being garnished. I requested the debt collector information who hired them so that I may contact them directly and they stated they had no such information. When questioned how they could not have this information they were not able to formulate an answer. I then asked for the attorney who was handling my file and they reported there was no attorney handling my file. 

Furthermore, I was not informed of the garnishment until I received my paycheck in which the initial deduction was made.
I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on Experian and XXXX. I really with this company leave me alone.
Loan repayment with Navient started in XX/XX/XXXX. The loan amount taken out was {$3700.00}. I was submitting more than the monthly payment per month in the hopes of paying the loan off ( approximately {$120.00} ). Called the company several times to find out why my payments did n't seem to be decreasing my balance and was told that since I was in the beginning of stages of repayment, that majority of my payments were going to interest but that that was normal and would change after the first year. However, it is almost 10 years later and I am still making payments on the loan with the loan balance currently at {$2900.00} with the last scheduled payment according to Navient not being paid off until XX/XX/XXXX. This is insane as I paid double the amount of the balance due for the first several years and it seems that almost every payment made for the first several years was only paid toward interest. This seems criminal that it will take 15 years to pay off a loan that was taken out for less than {$4000.00} Navient does not seem to be able to provide me accurate justification for how my payments have been allocated properly. In addition, the school I attended ( XXXX XXXX ) has been shut down and I was unable to complete the program as it was required that I complete an XXXX as part of the program. The school assured me that I would be able to be accepted into an XXXX  program as well as find gainful employment in my field since I am a veteran who previously worked in the XXXX XXXX during my time in the military. However, I was not able to find any XXXX that I could be accepted in and as a result was unable to successfully complete the program or transfer to any other program since all of the school locations have been shut down.
On XX/XX/XXXX, I mailed a certified handwritten letter to Equifax ( tracking # XXXX ), XXXX ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, Equifax  and XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Im requesting Equifax, XXXX, and XXXX to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.
I owed a XXXX XXXX XXXX XXXX from XX/XX/XXXX said I agreed to pay XXXX a month I never did that the statues of limitation have run out as of XXXX summons me to court I replied by sending the court the bill the summons and a letter stating did not owe it due to the statues of limitations on new York state is 6 years so they have put a judgement against me
Lender : Resmac INC NMLS # XXXX Resmac is marketing as XXXX and calling borrowers who are on Dot not call list. They are not setup operationally to check against the Do not call list and are not compliant with CFPB.
XXXX XXXX sold XXXX XXXX to XXXX XXXX ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXXby XXXX XXXX. Capital management has been the collection agency on this loan : capital management XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of Florida is 5 years. I graduated school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XX/XX/XXXX. XXXX has been fraudulently trying to collect on this loan through capital management, XXXX and XXXX XXXX. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. XXXX XXXX stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.
Never applied for a loan with XXXX nor XXXX ( XXXX ). Then I receive a email case no saying there suing me for money I have n't receive and applied for. Email name would states XXXXXXXXXXXX I never merge iced any calls or vociemails stating if i applied or there trying to reach me. Other company XXXX someone reached out and said if I ever applied online they steal customers information there 's no way of tracking.