WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX XXXX XXXX, formerly XXXX reported my name to Transunion CB as delinquent in my mortgage payments to the sum of {$2500.00}. This is unfounded and clearly a fraudulent attempt at having me pay to the company more than is due to them, {$900.00} on a monthly basis for the life of the loan. 

Somewhere in mid XXXX XXXX bought my mortgage from XXXX XXXX XXXX. The agreement was to keep the terms fixed. I have not initiated any transaction and has been paying my property insurance and taxes without issues since releasing them from escrow with XXXX XXXX XXXX in XXXX. 

XXXX immediately started writing to me regarding refinancing the loan, something I had no plans to do as the payment amount works perfectly for my budget. At one point I attempted to make contact with XXXX regarding my husband 's death and change of information on the mortgage but was told by a XXXX agent, " When you are ready to refinance we will have a conversation ''. The very reason it became difficult to contact them, as they were initially hostile. XXXX, however, continued to make contact via mail regarding the urgency of refinancing. I finally returned one letter informing them of legal action if it continued. It stopped. 

The payment of {$900.00} has been the payment since the release from the original escrow in XXXX as stated prior. In XX/XX/XXXX, now XXXX XXXX, XXXX submitted to XXXX XXXX XXXX an increased amount for {$380.00} for a total of {$1200.00}, an unauthorized sum, for processing from my checking acct ( see attached ). The amount was paid to them as XXXX XXXX XXXX claimed it had no way of verifying if the amount was legitimate as they are only the processor of the fund, and I am opining here that this maybe the very reason XXXX sought to pull this off. ( All matters regarding this issue were clarified by XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX who made contact for that purpose, having been contacted by CFPB regarding a related complaint filed ). I have further asked XXXX to investigate the payment made on XX/XX/XXXX. 

In response to the XXXX contact, XXXX has refunded the money, {$1200.00} paid to XXXX XXXX, as a part of how this process works for the bank, per the XXXX agent. This means that XXXX XXXX would now be missing the payment for XXXX. However, on XX/XX/XXXX, I made an extra payment of {$900.00} to XXXX XXXX. This extra payment was supposed to fit in for XXXX which I initially thought was dropped by XXXX but has since learned that was not the case ( see attached ).
There was a computer glitch that was Transunion 's problem and not mine, that caused 5 out of 7 of my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Transunion in good faith to ask them to delete the inquiries that they illegally re-added. On XXXX XXXX, XXXX at XXXX eastern time, I spoke with a supervisor by the name of XXXX who I explained the situation to and even though he was understanding and apologetic, he told me that even though there was a glitch he would not be able to remove them. These inquiries add a hardship and my rights were violated by Transunion. I would like CFPB help in making Transunion stop victimizing me. As a resolution, I would like all of my Transunion inquiries except be deleted permanently from my report as a violation took place when they were illegally re-added. Of those 7 inquiries, the only two that shall remain is XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX
I had stopped paying my credit cards because we were close to losing our home. We were given a loan modification and I contacted the company Gurstel Chargo in XXXX XXXX XXXX I and XXXX bank file # XXXX. I explained that I am paying XXXX mortgages right now and can afford {$50.00} a month until we have more money available to pay this was on XXXX. I spoke to XXXX XXXX. He was very rude. He asked me for my work phone number. i told him was not supplying my work phone number he said do n't interupt me when I am speaking was very harsh. I ended the call after saying I am going now. I sent a few emails to the company with my budget telling them I can afford {$50.00} a month just trying to pay my debt. I was served with no further communication from them on XXXX. When you are down on your luck with XXXX kids and try to make things right and call in treated very rudely and then served on top of it. I just want to pay my debt paying as much as I can afford at this time without being harrased. It shouldnt be that hard to communicate with a company to try to pay your debt especially when you make the call to them wanting to work it out.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.
The company I work for, XXXX XXXX XXXX XXXX XXXX, based in XXXX, NJ, sent via ACH a direct deposit in the amount of {$1200.00} from our company bank to my American Express Bluebird checking account on XX/XX/2018 at approximately XXXX XXXX The funds should have been available on Monday XX/XX/2018 XXXX the next day has always been customary with these types of transactions in the past ). It is now nearly XXXXXXXX XXXX on XX/XX/2018 and not only are the funds not available, but American Express, who has acknowledged the funds are there states that " your funds are safe '' and they are working with their partners to resolve the situation. They acknowledge " an interruption to direct deposits affecting Personal Savings,  Bluebird, and Serve customers ''. I need MY money ASAP - I have bills to pay. American Express being sorry for any inconvenience this may cause is not paying my bills. Please look into this immediately.
XX/XX/XXXX I opened a dispute with XXXX and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was XXXX dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All XXXX updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} Transunion is most likely going to follow the same suit. XXXX has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.
Citi approved a fraudulent credit card in my name. A Citi representative revealed to me that Citi " pushes through ' applications despite the fact incorrect information was used to illegally obtain a credit card in my name A Citi representative was combative & hung up on me, the victim of Citi illegally issuing a card to someone using some of my personal information
Select Portfolio Servicing has not given me proper credit for payments on my mortgage for the XXXX XXXX and XXXX XXXX sent in XXXX on both these dates to make up for past due payments that I missed. For the past 3 years I have been consistently making payments. My wife has several health issues and I have to spend money for doctor bills and medication. My wife suffered a XXXX and I have tried to explain this to the company. Even though I have been making payments for the past 3 years, Select Portfolio has used aggressive threatening and aggressive tactics to force me to pay more money than I owe. I am attaching the letters from XXXX XXXX and XXXX XXXX that reflect this. For the past 3 years I have consistently been making payments. Select Portfolio is now threatening to foreclose and sent back a payment I sent in XXXX XXXX am including the letters which show inconsistent amounts on the principle such as recent statements the XXXX, XXXX, and XXXX XXXX also am including an updated payment history dated XXXX XXXX have included letters from XXXX XXXX and XXXX XXXXSomething needs to be done to end the illegal practices, the threatening letters and robo calls by these debt collectors.
I XXXX from the University XXXX, XXXX in XXXX with a degree in XXXX ( which has among the highest starting salaries for XXXX. degrees ). I was able to find employment about XXXX months after XXXX. I have a family with XXXX young children and have been trying to manage supporting my family and comply with the payments for the debt I incurred during school. I have no financial wiggle room for unforeseen expenses, which believe it or not have come up. I am making every effort to be up front with my lender about my financial situation and appropriately address my inability to make payments at this time. This major lender has provided a single contact number to which I am funneled to deal with this issue, and their representatives are unwilling to work with me and are basically forcing me to default on my loans. This will negatively impact my credit as well as my cosigner 's credit, and will increase the capital amount on my loans through late fees that will be applied. I very much would like to be able to pay my debt, and am trying to manage the situation the best I can. I currently have no recourse with which to resolve this issue, as the lender refuse to provide me with any option other than to default on my payments.
I have expressed this situation to my attorney and TransUnion is violating the FCRA laws pertaining to bankruptcy. All of the " account statuses '' should state " CLOSED ''. The account statuses says derogatory. I have contacted XXXX XXXX XXXX and they will be representing me on this dispute. I have requested numerous times to put the correct information on my credit report and they refuse too. This is the final attempt before involving the courts. Most of the accounts were opened due to fraud and the companies refuse to send the documentation I requested. TransUnion, XXXX, and XXXX  are all violating the FCRA Bankruptcy consumer laws. No one should have to endure this and it is utterly ridiculous that these 3rd party companies would rather be sued than to do the correct thing. Law states if the companies do not respond in 30 days the accounts are to be removed. I have repeatedly gotten emails stating 60 days and that is definitely not the laws. Also, my name is not XXXX XXXX nor has it ever been XXXX XXXX!
This is my 2nd attempt to rectify a serious error on the part of Equifax Credit Information Services LLC. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply from my 1st complaint ( see attached response to my 1st complaint ) Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. The disputed Discharged Chapter XXXX Bankruptcy # XXXX is currently reporting as discharged. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Equifax provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', Equifax would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

Equifax has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. IN ADDITION, Equifax has violated the FCR Act Section 623 ( a ) ( 3 ) & /or FDCP Act Section 807 ( 8 ) by not placing a notice of my dispute on my credit report w/in 30 days
Transunion Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Transunion these company didnt provide contact with my signature as anytime.
To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owe THE AFFLIATED GROUP {$82.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to THE AFFLIATED GROUP stating I had an agreement with you and owed any monies to THE AFFLIATED GROUP. 
Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Experian has had a leak of personal information and I 've been included in the peak. Their irresponsibility will cause me to use my own time and money to protect myself and fix any problems with my credit history.
Sears citi bank card I have been trying sometime know to have the Sears citi bank card and  XXXX  to  send me something with my signature on it that validates that I am the correct person on the account or that I authorized any of the payment and I have sent certifeyed letters to both company to send me some type of verification and I recieved my credit report comments fcba dispute resolved- consumer disagrees and of course I disagree. So because I can not get the credit card company or the sear citi bank credit card company to send me anything I am asking the fcba to hgive me the names and addrress of the people the spoke with that can verify that that is my account and to send me some information and proof of my signature. You would think that after certify letter requesting this information  2 ti me from each company this matter would be resolve and deleted from the credit companys I can not get any credit anywhere because of this inaccuracy
Exeter Finance sold my loan to XXXX XXXX XXXX and only got a letter in XX/XX/XXXX from Exeter Finance and XXXX XXXX XXXX   place my account on credit bureaus with out mailing me anything no letter nothing by law I have 30 days to dispute the amount or the situation of the loan. 

Exeter Finance has bought back the loan and by law broke a lot of my rights with this loan and has yet to clear them up in a timely matter.
I have a mortgage that was transferred to Mr Cooper, formerly Nationstar. Since they took over the mortgage, they have failed to pay my insurance, causing a lapse in the coverage, despite repeated attempts on my part to get them to pay it. The insurance and taxes are paid from our impound accounts that they collect each month. 

On XXXX XXXX I called them because I received a notice from the county of XXXX XXXX tax collector stating that they had failed to pay a bill for unsecured property tax. I called the company and spoke to XXXX, and then his supervisor, XXXX XXXX. I asked them to pay the tax and refund me the penalties. The bill on that date was for {$130.00}. Taxes were XXXX, penalty XXXX, and collection cost of {$20.00}. 

XXXX told me she would contact the assessors office and resolve the matter. She told me it would take several weeks but that she would handle it. 

This week I received a notice of lien on my property for the same bill. The amount is now {$160.00}, taxes still {$100.00} and penalties of {$10.00}, {$1.00}, and {$49.00} of collection costs. I called the company 4 times yesterday, XXXX, and could n't get through. The first time I was instructed by the automated service to leave my number and expect a call back, and two hours later the automated service told me to call back later, they were too busy. 

I had perfect credit prior to this situation, I want Mr. Cooper to pay my taxes, refund me the penalties and make my credit right again. I ca n't get them on the phone to help me, and every time I speak to one of their representatives, they tell me they will fix the situation and do nothing. 

I would also like to move my mortgage to another lender. I have had this loan since XXXX and it has been transferred to 4 lenders now, they are by far the worst. 

What are my recourses here? 

Thank you.
On  XXXX / XXXX /2017 I received a letter in the mail from   XXXX   XXXX   XXXX   XXXX   for reasons unknown to me! I do not do ANY business with this institution! I opened the letter and it stated that i had made a recent application for a deposit account. I have done NO SUCH THING! I have never opened Or filled out any application for them! I DO NOT know how they even got this information. It says in the letter a credit score and soft inquiry have been made. None of which I did or gave anyone permission to do ...
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I do not know why this is happening I know this company is in the news for setting up fraudulent acoounts and I am positive this is what has happened to me! I do n't want this to affect me negativly with credit agencies but they have no right to open any account or get a credit report when i havent asked for it!
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The letter is from   XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD Please make this company remove my name from their data base and remove any incorrectly reported info from my credit report!
This is my second time filing a complaint after the first complaint was ignored. Dear Experian Dispute Department, I have disputed inaccurate items from my credit report multiple times. I have sent certified letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with uploaded copies in XX/XX/XXXX and XX/XX/XXXX requesting VERIFIED account information for what you are reporting on my report. Clearly, you have ignored my request for this information because according to the FCRA you have 15 days to provide me with the name of the creditor, the name of the business, the name of whom you spoke with and their contact information once you receive me request. I have not received anything other than your standard " verified '' response. You have an obligation to uphold the law and correct credit reports that are reporting inaccurate and unverified items. I have sent you plenty of documentation to support my disputes and I believe my dispute is going through your XXXX computer system and not being investigated properly. All of the items listed below need to be removed immediately. I have spent countless hours documenting and recording the information for you to conduct a reasonable investigation. If I can not get the resolution that I am requesting due to your willful noncompliance I will file suit in Federal Court. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
I attended  XXXX   XXXX   XXXX   XXXX  at which time I had taken put student loans. At the time i was empoyed with a position that paid higher than i would have received following completion of school. I was able to do a deferment a couple times, then became homeless for some time. I tried to set a deferment based on my circumstances. However it was denied becuase i had already defaulted. For a year p r two i  was receiving statements from   XXXX   XXXX  ,  XXXX  And federal student aid. Over the years I have been garnished my wages, had tax returns taken ; {$1500.00}, {$5400.00}, {$4700.00}, {$3800.00}, {$750.00}, my original loan was {$5600.00}. I was told i woud recieve notice where my tax rerurns were applied, I never received anything. To date i owe {$26000.00}. I have spent the last  three  years serving as an   XXXX   XXXX  , during the terms of service i am allowed my student debt to be free of any interest from incruing. They respond that I have no accounts with them, deny my request then i receive notification of my debt owed to them. Unfortunaty, i have had several   XXXX   XXXX   XXXX   since tgen, resided in a   XXXX   XXXX   XXXX   years, was unable to qork for several years due to a   XXXX   injury. I will have to research and try to obtain supporting documents.
Made a purchase from another individual for tickets to a basketball game in exchange for {$250.00}, he said to send him the money via my bank ( JP Morgan Chase ) thru XXXX. Money was sent, seller didn't deliver the tickets and wouldn't return calls or texts. Seller 's name is XXXX XXXX based out of XXXX XXXX, phone number is XXXX. Email address is XXXX. Had friends call him as well to inquire about buying tickets from him and he tried to pull off the same scam with them. 

I contacted my bank JP Morgan Chase and they said they will investigate and possibly reimburse me, but it's not guaranteed.