WillisBack/dataset-financial-user-claim huggingface dataset:
I have a first and second mortgage originally with XXXX XXXX XXXX who sold the First Mortgage to Nationstar and XXXX retained the XXXX mortgage. I went through a divorce and lost my job of four years. I then applied for mortgage assistance with Nationstar who then began stringing me along. I have yet to receive a decision on my last application for mortgage assistance in XXXX 2016. To my surprise, Nationstar sold my loan to XXXX effective XXXX XXXX, 2016. When I contacted XXXX I was told that none of my paperwork from Nationstar was transferred and that foreclosure had begun with my XXXX XXXX. XXXX sent me a debt Validation Notice without a date on it. When I called XXXX they informed they were no longer handling the foreclosure and that it had been transferred to XXXX. I do not know who is my rightful servicer and trustee for my loan, in addition, I feel that because of the equity in my home I am being targeted and preyed otherwise the information I need to gain assistance would not be hidden from me.
I opened a checking account with a targeted new account bonus, which I correctly entered into the online application. I fulfilled the direct deposit requirement and all other bonus requirements, and was even told by a customer service rep that I would receive my {$200.00} bonus in XXXX - as of XXXX/XXXX/2017 I have filed several requests and have not been paid my bonus, as well as having been charged a monthly maintainance fee of XXXX twice, while i wait around for my bonus which is almost 3 months late now. I am very unhappy with US Bank in this situation, as they got a new customer without paying out the incentive.
XX/XX/2017 XXXX XXXX Equifax- I have and evidently continue to have major problems with the soc alled credit reporting agency- last year I placed a Security freeze implemented by XXXX on all three reporting agencies which proved useless and causing me severe financial harm. I then had the Security Freeze removed directly by Equifax staff only to have it reestablished when they were hacked as a free offer by them.! The now send me a letter explaining they can not install the freeze even though they offer it and they did not secure my personal financial and private information.
I am in XXXX this is the reason why my loans was paid-off or clear by the department of Social Security on XX/XX/2018. I was checking my credit report to see that reflected, since the Social Security department notify me about that, then it supposed to be clear by then right but for some reason the same day it was closes the same day they reopen or duplicate the same loans. I contact the Social Security and they told me to try to call this company " NELNET '', but I was not able to open my account with them since I do not have any loan. I called them and they said they do not have idea. My credit score shows I still owe them when obviously I am not. It is not fear they are try to charge me again just to get more money.
I had a student loan from my school XXXX that at one point went into default I had stated to make payments to the first collection company that then took them out of default so I could attend school again. I then enrolled into school then about two months after the school was shut down. My loan was then turned over to Navient. They are the most unprofessional company I have ever had to deal with, the send emails daily just about with all my personal information to be displayed and they then call me every day 2-3 times a day from different numbers and leave messages constantly. I have 34 voice mails all from them in less or around 30days. I spoke with a lady that stated I can be on a XXXX a month payment plan and they will send a email that i have to respond to in 48 hours or I cant enroll in the program the email was send days later and then the letter she stated she would send was never sent. I feel so harassed and I also feel I should n't have to pay this not only because the barrage of calls but the fact the school was shut down due to there legal issues. I feel I want to place a lawsuit on this company for harassment.
ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, AK XXXX
I am being charged for a collection that i was never aware of. Person who rented in XXXX Arizona used my name and identity information to rent an apartment under my name. Agency responsible for apartments never received a signature from me nor did i ever provide original or valid identification or knew there was an apartment under my name in that city.
Filed a dispute with TransUnion about a late a payment on my credit. Se nt a Goodwill letter   the company was willing to remove the late payment of 30days. After th e dispute was complete TransUnion report false information report that I am between  30 and 59 days late which isnt true I have my statement so this dropped my score over   XXXX   points which isn t fair.
We have been clients of   XXXX   XXXX   XXXX   for years. We had both our business accounts as well as our personal accounts with them and in all the years we had been with them we never had any problems, until they were bought out b y Key Bank. Upon the transition we have experienced nothing b  ut one  problem after another. Our first problem was with a pre-approval for a second home in Florida. The original documents dated  XXXX  In the amount as {$350000.00} for 60 days. We contacted Key bank and requested an up dated letter because we were heading back to Florida to look for a home. We have emails and text messages to back up the request. Never heard back from the lender. We came home after a week I conta cted the Lender  in  XXXX  and requested an update pr-approval becuase I was heading back to Florida. I received it on  XXXX  and noticed it expired on  XXXX   XXXX  Contacted them again received the correct  XXXX  on  XXXX  with a much lesser amount. I was told that was based on a Mortgage being paid off and it was a rental property mortgage was paid but now they said it needed to be our first mortgage at  XXXX . Again I have supporting emails and text message that clearly states just  XXXX  rental mortgage needed to be paid off. After this situation with the Mortgage and several other erros that were made my husband and I decided to go to another bank. We were approved by this other bank and requested pay-off on the home equity line of credit  XXXX  received pay-off on  XXXX . Next issue a commercial appraisal was done  XXXX  we request a copy because it was withi n a one  year period that request was made approximately  XXXX  said it would tak e two da ys. called numerous times on  XXXX  we were told it was emailed to our new lender at  XXXX  on  XXXX . Found out that was not the truth there was no appraisal it was an in house appraisal that was on  XXXX  on  XXXX  a request was made for commercial loan pay-offs on  XXXX  we received a payoff good through  XXXX . Called request a correct pay-off  XXXX  received the correct pay-off. On  XXXX  received a pay-off on second commercial loan showing a pre-payment penalty amount of {$16000.00}. there is a 1.25 % penalty for early pay-off contact my branch to find out what was going on. said they would get back to me there is an error I have called numerous times, emails still do not have a correct payoff as of  XXXX . My closing has been held up for weeks.
I have sent several certified letters to Equifax XXXX XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Equifax still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor. On XX/XX/2018, I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.
There are two NJ CLASS HESSA loans that just appeared on my credit report the past year., and was not being reported until now.. My credit score has been drastically affected by this reporting. This loan is beyond the 7 year ruling for reporting and has no right being reported as a delinquent account. I was merely a co-signer and this loan goes back to XX/XX/2010. I have requested that these two debts be remove from my account.
Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with  XXXX , Experian, and   XXXX   over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family . Below are some do cuments I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there. For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX   XXXX   Companies like are  XXXX  ne in the same, but neither one can h elp I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping  me BI tra vel to New York,  XXXX   XXXX , and  XXXX  at leas t five tim es per year, and rarely check my credit report. Essentially because of my business, I live o n the road. Recently  after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix th is. Hope thi s yields better success than just calling the collection agencies and bureaus.
Navy Federal allows real-time transfers from XXXX account to the other. Savings to checking and vice versa is essentially real-time. When making transfers from XXXX to a credit card, it is not real-time. WHY?! I made a {$500.00} transfer on a Friday from savings to my credit card. The funds were immediately withdrawn from the savings but not posted to the credit card. How can some transfers be real-time and others not in the same system. It seems to me that for credit cards transfers that this " Delayed posting '' is a selected specific system setting. I have memberships at several other credit unions ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX and all of those XXXX are significantly smaller in asset size than Navy Fed and they ALL allow real-time posting on ALL products. My complaint is that when Navy does this, funds are removed from my savings account where I begin losing interest immediately yet the post is delayed to the credit card where I am still being charged interest on my balance! If the funds are removed from my savings and not posted to another product, where are they? They seems to be in a " virtual '' status where Navy is not paying interest on those funds and still charging interest on the other account balance. If much smaller institutions have real-time transfers then the largest credit union in the world should as well especially if they have this on other products. If they are doing this to me then what are they essentially earning on those virtual funds when this happens to possibly XXXX of members monthly! When this delay occurs on a long holiday weekend, which becomes a delay from Friday night until the funds are finally posted to the credit card during their " end-of-day '' processing on Tuesday! In short, that is a ton of interest that members are losing and Navy is earning. It almost amounts to double-dipping ; not paying interest on funds they are holding and still charging interest on the credit card balances.
Worked for a company on line that gave me a routing number and checking account number from XXXX XXXX XXXX to give to Capitol One bank to pay off credit cards in my name so i could ship products from the US TO XXXX XXXX Capitol one bank was the only bank to accept the bank account from XXXX XXXX bank without it being my personnel account THIS WENT ON FOR XXXX MONTHS UNTIL Capitol One GOT NOTICE THAT OT WAS A FRAUD ACCOUNT ... gave back XXXX to XXXX XXXX and held me liable a XXXX year old women on social security
After I applied for a XXXX Citibank card in late XXXX I received a letter ( attached ) requesting to provide a copy of the US Passport, US Voter Registration Card or US  Green Card. I don't have any of them as I am in the US on working visa ( was a student before ). The bank representative said that they can not continue with my application. 

In my opinion this is a discrimination based on XXXX XXXX as it was the sole reason they can not give me the card. The bank representative assured me that they don't discriminate and any person can obtain the credit card if they provide copies of requested documents ( yes, that makes total sense to them, go figure ). Well, how about the people who are here on XXXX, XXXX and other visas?

As far as I read about the rules regarding credit card application process, a creditor may take into account applicant 's XXXX XXXX but can not make a decision based solely on that. 

I have successfully obtained multiple credit cards in the past ( XXXX, XXXX, XXXX ), the last one as recently as XXXX of this year. I have good credit history and excellent credit score. I never had to provide any proves of my XXXX, let alone being denied based on that. 

Please, help me to reach the bank for comments. I am upset that such discrimination is allowed in today 's world. 

Thank you!
I have been receiving calls from collection agency regarding an ambulance bill from XXXX WA Fire Dept. I have repeatedly asked them to not call my work phone. I have repeatedly requested that they mail a letter showing the original service date ( s ) and they have mailed anything.
I have two direct deposits from my employer to my checking account with Citibank that are not in my account. I have worked with my employer, XXXX XXXX XXXX, to find out what happened. They have given me trace numbers for these deposits and stated that the money is in Citibank. Citibank refuses to help me trace the funds. Now they are charging me overdraft and returned check fees in the amount of {$120.00} and have the nerve to have their collections department call me. 

The first missing deposit was made on XX/XX/XXXX in the amount of {$180.00}. The trace number given to me from my employer 's bank, XXXX XXXX XXXX, is XXXX. The second deposit was made on XX/XX/XXXX in the amount of {$380.00}. The trace number from XXXX for that deposit is XXXX. 

Citibank has told both my employer and myself that the deposits may have been put into another account. Yet they refuse to trace it and make it right. I have asked to speak with the ACH department but no one can connect me. 

I am beyond frustrated at this point. I have a cut off notice for my light and my auto insurance has lapse. I don't have a lot of money so I need for them to find my money and credit back my account the overdraft fees.
chase has provided XXXX different responses to my escrow inquiry, I agree that there should be a shortage because taxes and insurance has increased, but not a shortage of XXXX dollars. Please advise what has happened to the XXXX dollar credit when was that applied to my account you mentioned that in your last letter. Please advise what happened to my payments that were held in suspense. Please advise if you added the Escrow payment amount into the trial payment calculation and then why did the payment change, and if you put the balance back into the loan. Why do I have to pay it over again. It appears that I 'm paying the you and taxes and insurance over again. I just want a final balance amount of what I owe so that every year there is n't an increase unless Taxes and insurance increase. I do n't have a problem with the increase in taxes and insurance ... that I understand.
Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax, XXXX and XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
The collection agency constantly call me every hour all day long. They call my job all day as well. They call disclosing information that should not be disclosed. It is most definitely embarrassing. They call my cell phone late at night as well. The latest they have called me is after XXXX. I am really tired of this. There tactics are ridiculous!!! I would appreciate it if something could be done about this.
I disputed a collections account on my Transunion credit company. The account is for a medical bill in my hometown of XXXX, LA. The account is currently owned by XXXX ( accoount # XXXX ). The account has been transferred to a number of different collections agencies and I dispute it everytime it pops up on my credit report. It was previously owned by XXXX XXXX and I disputed it then also. XXXX is also reporting this account, but on my XXXX report the account is owned by XXXX. The account is for a medical bill my father accrued when he went to the XXXX at XXXX XXXX XXXX. The info I 've received thusfar matches the dates of the charges.His name is XXXX XXXX. The collection agency that reported the account sent a letter to me in response to my dispute. The letter is also addressed to my father, they just sent into my home instead of his. Today, I got a notification from XXXX XXXX that Transunion has completed their investigation and they are refusing to remove the inaccurate information. They claim it meets FCRA requirements. But this is impossible, because the account is in my father 's name. I called Transuion last week to emphasize how important it is that they remove this fraudulent information from my credit report. I guess I did n't drive the point home well enough, because despite the collections agency submitting a letter that is addressed to someone else, they still did not remove the information. I am looking for an apartment and I really need this account deleted so that I can get approved or I will be on the street come XXXX. Please help. This is extremely urgent.
hello my name is XXXX XXXX. i have recently came across an issue with my credit report. two years ago i was receiving help from XXXX of XXXX county and they provided assistance with repair my credit due to many errors on my credit report. all XXXX bureaus ; equifax, XXXX, and XXXX had false information. well i made a dispute with all XXXX bureaus and the only bureau that corrected my information was XXXX. i would like XXXX and equifax to acknowledge my dispute and fix my report as to my attachment i have attached.
CAPITAL ONE PROBLEM WITH BILLING CHARGES ON CREDIT CARD ACCOUNT ALSO CAPITAL ONE HAS REPORTED THIS ACCOUNT AS NEGTIVE TO CREDIT BREAU XXXX WITHOUT DISPUTING OR FRAUDLENT INVESTIGATION THIS HAS BEEN REQUESTED BY CONSUMER
On XXXX, I went to the XXXX website : XXXX, it had a sign up button saying sign up for a free 2 week trial, which I clicked on. I went through the sign up process, and provided my payment method of choice : PayPal ( which used my PayPal Smart Connect credit line account as my payment method ). If I decided to continue the service after 2 weeks, they were going to charge me {$9.00} then. Instead, they ( XXXX ) immediately charged me {$9.00} via PayPal. I immediately started to try and contact them ( MoviePass ) via every way I could : XXXX XXXX & DM 's, XXXX DM 's, direct e-mail, and via their website : XXXX. No one from XXXX has responded to my request of a refund & cancellation. I just want my money refunded & the service cancelled. I never received anything from them. I did n't get a confirmation, reference, transaction ID #. Just an e-mail sent to my XXXX account e-mail : XXXXXXXXXXXX, the subject said : " Welcome to XXXX '' with a link to download their mobile apps from the XXXX XXXX XXXX & the XXXX XXXX XXXX. There was no confirmation, reference, transaction ID #. No one from XXXX will reply, they will not refund my money, they will not respond to any of my contact efforts. 
I started the dispute process through PayPal ( Dispute Case ID : XXXX ). My PayPal account e-mail address is : XXXXXXXXXXXX. The transaction details are : Transaction ID : XXXX, Merchant : XXXX XXXX XXXX, Payment : {$9.00} USD. Yesterday : XXXX, PayPal denied my claim, their reason : " Your claim was denied because you did not cancel the billing agreement before the transaction took place. '' Which does not make any sense to me at all. I signed up for a free trial through XXXX, I was charged by XXXX immediately {$9.00} instead via PayPal & PayPal Smart Connect credit line. I asked immediately for a refund, and a cancellation, but did n't get a response from XXXX, so I disputed the charges with PayPal. I do n't understand why they denied my dispute of my charges, and sided with XXXX. My complaint is against both XXXX & PayPal. Please help me. I am XXXX, and on a low fixed income. Thanks. 
P.S. I did file a complaint against XXXX with the FTC. Here is the reference number : XXXX.
I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.