WillisBack/dataset-financial-user-claim huggingface dataset:
I feel as if I shouldnt have to pay the remaining balance thats due on the car. I was trying my best to catch up the car payments and I made a {$1000.00} payment and they still repossessed the vehicle after I spoke with a gentleman on the phone letting him know I was doing everything possible to bring my status to current. Yes I understand that you have to make the payments on anything youre leasing or loaning but I was out of work and then my daughter was going through a crisis and I had to take off time to get her mental status at a point I could return to work or school. I was at the school registering when I came out the car has already been gone and it made it almost impossible to get my daughters to school or myself for that matter. I could understand if I wasnt trying but I was. I even overdrawn my XXXX XXXX  account XXXX $ just to keep the car. They gave me other options to try to get the car back but i wasnt approved for anything but I felt it wouldve been easier to just allow me to keep the car due to me receiving my taxes shortly after. I couldnt afford to pay the past balance, repossession fees, holding fee, and big down payment for insurance so I was unable to pick up the vehicle before it was optioned off.
XXXX XXXX XXXX XXXX was paid through a private trust account ; therefore the debt was satisified. Berks Credit & Collections, XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX has bought the debt for pennies on the dollar. I sent a debt validation letter to them in which they did not respond in XXXX of 2015. They are still sending letters. I did not sign a contract with them and they continue to harass me, attempting to extort monies and committing mail fraud. I would like you to investigate this agency because they have no legal or lawful ground to stand on. 
XXXX XXXX XXXX XXXX XXXX XXXX My contact information is XXXXXXXXXXXX
I found out I owed a debt after I moved to a different state. A collection agency contacted me and said if I paid {$75.00} the debt would be cleared from my credit and resolved. This was in 2011 XXXX XXXX and Resurgent keep reporting the debt and are harassing me for additional funds.
I purchased a vehicle on XX/XX/XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. XXXX XXXX, Global Lending, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these three hard inquiries are hindering me from doing so.
My mother passed away XX/XX/XXXX and she had a reverse mortgage on her home. I am the sole heir to my Mother 's estate and live in this property. It is my desire to purchase this home under the provisions of the FHA reverse mortgage. When I notified the mortgage servicer Reverse Mortgage Solutions ( RMS ) ( XX/XX/XXXX ) and told them what I wanted to do, they had me fill out paperwork for them. I was never told that the home needed to go through probate by them. It was n't until late in the process that they informed me about the home having to go through probate. I have been approved for the loan to buy the home, but they have filed a notice of trustee 's sale and the house will be sold on XX/XX/XXXX. I have asked for a postponement but they have not granted my request. I have lived in this home since birth ( XXXX years ) and I do not want to loose this home as it was my Mother 's desire for me to have this property. 
Every time I call RMS I seem to get a different person which has also been very frustrating since they never seem to have documents I have sent to them previously.
XXXX   & E xperian are reporting an old tax lien and it is inaccurate. It was a pre-lien and it should have been less than {$1000.00}. I have never had taxes that high. It was released shortly after but how is it valid they can just put whatever amount they want on your credit and its valid? The State of Ca even says it was an error.   I thought there is a new law coming into affect  XXXX / XXXX / 17  regarding public record reporting? This needs to be deleted as it is completely and utterly INACCURATE!!! NOT VALID!   a $  XXXX  pre-lien for maybe {$900.00} worth of taxes for a current year?     How can they even give you a lien for a year that has n't even ended yet so you can file taxes?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX WENT ON W/O WRITTEN SIGNATURES.
On my credit report for my payments made for my  XXXX  credit card in (   XXXX   2017 it is coded as ND no data ) And it is showing up on my credit report as no data. I have had the credit card that was opened up in  XXXX  2017 with payments made on time from  XXXX ,  XXXX ,  XXXX  2017.
They are reporting ND- No data for the month of   XXXX   2017 for my  XXXX  credit card.
Equifax Inc. suffered a cyberattack that affected 143 million U.S. customers with some people in other countries as well. I am one of those people. I visited www.equifaxsecurity2017.com and it said I was a potential victim. I feel they have mishandled my information and used it improperly by securing it in such a poor way. A major credit bureau should have an extreme detail to their cyber security and Equfax failed.
On XXXX/XXXX/2015 XXXX XXXX requested a hard inquiry on my credit report and this was not authorized by me, this is making it difficult for me to obtain new credit.
I received a phone call 6 days ago from ( XXXX ) XXXX in New Jersey, registered to a XXXX XXXX number claiming to be from XXXX XXXX XXXX, XXXX saying I had a debt with HSBC and they were going to take me to court. They mention the debt was from XX/XX/XXXX and I had been making payments until XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX I was in the XXXX and not making payments on anything ). When they tried to get me to pay the debt, I told them they had called me and I didn't know who they were. I also asked for them to send me a certified letter in the mail outlining what this debt was. On Saturday, I received a first class letter in the mail on some generic letterhead outlining the debt. It included an Account Number. Using this account number, I called HSBC Recovery at ( XXXX ) XXXX, Option 2, to get information on this debt. They said it had been sold to XXXX XXXX XXXX. I called XXXX XXXX and they told me they this debt, but had sold it. They weren't sure who they had sold it to, but it would be either XXXX XXXX XXXX : ( XXXX ) XXXX or XXXX XXXX XXXX : XXXX. I called XXXX XXXX XXXX and they had no record of the debt, I tried XXXX XXXX XXXX, but for some reason am unable to call that number. 

I looked into XXXX XXXX XXXX, XXXX, They were registered as an LLC in NY in XX/XX/XXXX, the 're website XXXX XXXX XXXX was also registered in XXXX, and will expire in XX/XX/XXXX. Their website is also just a single page with no accreditations or badges, or anything really.
Hello I contacted USBank and gave them the info that you have provided on my XXXX record. They could not find the account information. Please help Sincerely, XXXX XXXX
I filed a dispute with Equifax in XX/XX/XXXX because a bogus collection account for XXXX XXXX XXXX was being reported on my credit report. The dispute came back and the account was removed from my credit report until today XX/XX/XXXX the account has be added back to my credit report. This account is not mine.
Transunion will not allow access to my report at all. Attempt has been made and now Transunion blocks all attempts to obtain or see any report. They only try to bully me to pay money to get a report. They claim I already have had a report which is a lie and false. They need to be fined for this and found illegal and non-compliant. The public does n't have time for these stupid illegal games they play. I need to see and correct false info. and see what has been reported here. I do n't have a lifetime to wait and pay for.
I was a victim of identity theft and noticed a collection from Financial Control Service I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Financial Control Service in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I have a XXXX loan on my primary resident with bank of america, From XX/XX/XXXXthe loan fall into default since late XXXX XXXX due to economy crisison XXXX was told that the loan was discharged. and they loan lien will be releasedby XX/XX/XXXX, But never did, for several years, i was in overseas due to family problemsafter several years, finally i modified my XXXX loan on this property .as of XX/XX/XXXX, my property is still under water with regard to my first loan value I got a property tittle report showing there is still an active second lien on the property. 
surprised very much, and i contacted bank of america, again, First i was told this loan was paid off, on XX/XX/XXXX ( that is not true ) then i asked for release of lien certificate, you have to take care of your first loan lien modification. then we will take care of XXXX loan. and we may waive your second loan. if there is no value for XXXXand they ask me to provide them with my current financial and property information, i was told in order to release the lien i have to reach to a settlement agreement .even though there is no equity in to property according to their bpo evaluation, and the current negative condition with regard to lots of needed repair and maintenance, still demanding more than 50 % of final charged off balance, i can not afford the XXXX loan. and there is no value for that either. let alonei have hard time to maintain the first loan. i accept the XXXX loan modification offer. 
with the condition to get rid of XXXX loan, now there is no incentive to keep the property now if that is the case, and let the property go into forclusre anyway, and that defeat the whole purpose of HOME AFFORDABLE ACT, now bank americaplaying game and Deceiving tactics in order to collect this bad loan to begin with, I reached to Bank excutive office, and was told the lien was approved to be released, but they do not say why, simply do not know .///???? ( in XX/XX/XXXX bank of america was releasing $ XXXX XXXX loan liens. that was XXXX of them, they do not know what happened, the loan was a XXXX balloon that carried a prepayment penalty, and term of the loan are unknown, because a copy of the prepayment penalty rider was not provided, this type of loan considered as predatory by US General accounting officebecause of ballon component, prepayment penalty and high debt to income ratio of 70.16 % .edAt last : i am trying to resolve this matter and receive a final reconvene of XXXX loan, as i can not afford, i have no job and i was self employed and lost my business and do not have any saving or financial resources and have very bad health condition due car accident, but b o a is giving me a ran around, and telling me they do not care ifmy first loan is underwater, or being modified or even goes to foreclosure. 
I hope Bank of america waive the XXXX loan due to no value or equity into XXXX and XXXX loan of the property. ( according to making home affordable act ). 





XXXX
I was issued a SYNCB/SAMS CLUB DUAL CARD # XXXX on XX/XX/XXXX. On that day I charged {$140.00} on that card. I never received a bill from SYNC/SAMS. The first letter I received with my balance and interest and fees was from XXXX. My bill at that time ( early XX/XX/XXXX ) was {$170.00}. I immediately visited the customer service department at XXXX 's in XXXX, Ohio to complain about the process stated above and the new balance. Although the agent from Sam 's made several attempts to permit me to pay my bill without fees, she was unsuccessful. She informed me that the reason I never received a bill was that SYNCB did not include my suite number on the bills, and the post office returned the bills to them. Subsequently I had conversations with representatives from XXXX offering to merely pay my original {$140.00} and none were able to accept my offer. I informed them that my offer seemed reasonable under the circumstances, and I would write a check immediately if my offer was approved. In the spring I attempted to purchase a dishwasher and was denied credit. This is the first time in my life I have ever been denied credit. On every prior occasion I was told that my credit score put me in the best range which permitted the lowest interest rate. Prior to this event the longest period of time that I have missed a payment has been one month, and this has occurred about 5 times in the past 45 years. I finally spoke to an agent at XXXX who thought my offer to pay {$140.00} was most reasonable, and I mailed a check to them for that amount. I have a letter from them dated XX/XX/XXXX stating that my account has been settled. However my monthly XXXX statement has a credit report that indicates that my credit continues to be in the poor range ( some lenders may issue credit ). 
I am looking for resolution from SYNCB/SAMS CLUB DUAL CARD. I am asking that they not only request that my delinquency be removed as an adverse account from all credit reporting agencies and that they also contact XXXX and ask them to do likewise. I hope that satisfying these requests will restore my credit to previous levels entitling me not only to credit but to the best interest rates available.
Radius Global Solutions placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Radius Global Solutions to remove incorrect information off my credit report. More importantly, Radius Global Solutions are in violation of FACTA section 623 ( A ) ( 7 ). 




Balance {$210.00}
I have rental property which was late on payments as tenants had not paid rent for seberal months. I did make the Payment after the monthly statement had been generated and was sent to me. The company sent someone to the property, which I understand is normal. But the investigator began talking to a neighbor leaving the impression that the house was being foreclosed upon.The company has my phone number and my home address for contact information and knew how to reach me, yet they did n't. There was no need for them to collect any information from the neighbor or tell them who they were or why they were there. Also any information shared was incorrect. Is n't that illegal?
On XX/XX/XXXX I noticed a phone number that is not mine, or any account owner was on my account. The Bank is unable to tell me how or when this phone number was added to my account.
On XX/XX/XXXX, I was received a letter from Freedom Mortgage stating that I was past due on my mortgage. I thought this to be some kind of mistake since I have the payments set up on auto-pay through my bank in. When I spoke to the representative, XXXX # XXXX, he explained that our mortgage payment had increased and as a result, the amount that I had auto-payed through my bank was short by {$50.00}. XXXX told me that since the payment was not in the full amount that the payment was put aside in an unassigned account until the full payment was made. He explained that the account went 30 days with out the payment ( even though they had my money ) and was then reported to the credit agencies. 

On XX/XX/XXXX, I wrote an email to Freedom Mortgage to request a reversal of the credit report made when they failed to apply our loan payment to our mortgage. 

At no time was I aware that the full payment had not been made. Freedom Mortgage never attempted to call and explain that I was short ( {$50.00} short on a nearly {$3000.00} payment ) on the payment. And instead of applying my payment to my account, they held the money in an unidentified account, not associated with my mortgage. 

I checked my bank statement and saw that the payment was made on time ( XXXX. 
XXXX ) and XXXX confirmed that they received the payment but since it was not in the full amount that the money never was applied to my loan. I can provide the statements to verify this if needed. 

I immediately paid the balance, including the late fee and additional {$50.00} for XXXX XXXX  payment ( {$190.00} ), and explained that the XXXX auto-payment was already pending as per our bank. 

We have never been late on a payment and we had no intention of being late on this payment. I have the bank statements that show the funds had been paid on time, less the {$50.00} increase and the representative confirmed that the payment was made on time, only short the escrow increase.We have been late or missed a payment with this company in five years! 

I emailed the company, as directed by XXXX # XXXX, and requested a reversal of the credit report but have not had a response. I called back on two separate occasions ( XXXX, spoke to XXXX # XXXX and XXXX, spoke to XXXX # XXXX ) and was told that there was no one to talk to about the credit report dispute and that I would never have anyone to speak directly to about this problem. I could only wait for the customer care center to respond to my email request. 

I was told by the representative, XXXX, to contact the CFPB for help with Freedom Mortgage 's credit reporting practices and failures to apply mortgage payments to the loans.
Paypal is a site that allows consumers to send and receive money. Paypal also allows consumers to purchase items among consumers and hold funds in their systems for days before consumers can use the funds. I accepted a payment from a consumer on XXXX/XXXX/16 in the amount of {$210.00} and paypal released the funds to me on XXXX/XXXX/16. On XXXX/XXXX/16 paypal took the funds I had available and now they are being held pending an investigation, making my account go into a negative state. Ive also tried to delete my banking information off of paypal 's site as I wish to longer do business with them. They will not let me close the account which has my personal information nor remove my banking info. Paypal is a financial bully and sometimes charge your cards and withdraw money out of your account without confirming with with consumer first. And finally paypal does n't have a system what readily lets consumers know their prices and fees.
On Thursday XXXX XXXX XXXX, I saw an article in XXXX XXXX XXXXXXXX about how Equifax allowed 143 million accounts to be hacked. I immediately went to the Equifax website to understand what happened. On the website it said you could click on a web link to find out if your information may have been hacked and made available to these criminals. I clicked on that website, it asked for my last name and part of my social security number. I did that but instead of telling me if my information was or was not at risk from this hack, it was enrolling me in some program called XXXXXXXX XXXX XXXXXXXX. There was no way to see if in fact my information had been stolen. Equifax also had phone numbers listed for its call center which it said was set up for the purpose of addressing this specific security threat. I attempted to call multiple times and it hung up on me each time saying their lines were busy and then I only got a busy singal. I also tried calling several times on XXXX XXXX, XXXX and was unable to speak with anyone. 

To protect myself, I wanted to sign up to get initial 90 fraud alerts from all the credit reporting agencies. I was able to immediately do so on both transunion and experian 's websites on XXXX XXXX, XXXX, but when attempting to put a fraud alert on my account with Equifax their website did not allow me to do so as it kept saying that the link was unavailable. I finally did get through on the website on XXXX XXXX, XXXX to set up a fraud alert but they said I already had a fraud alert on my account. I did NOT put this alert on my account. I am now worried that someone did steal my identity and put a fraud alert via their hacked website and they will be able to respond to alerts rather than I receiving it myself. Unfortunately I have no way to reach Equifax as they are still not responding. 

How can I address this issue? I would like to understand if my information was indeed stolen, if so, what information, and how will this be dealt with from their side. Their response to a hack of 143 million accounts is reprehensible! They seem to have taken over a month to come clean about this incident to the public ( reports indicate they knew of this incident on XXXX XXXX, XXXX ), and when they did finally come clean they announced it with confusing and misleading information with no clear path of action that consumers can take and then closed up their doors, phone and websites. I would also like to know how I can take equifax 's access to my credit history away. It is obvious from this incident that they can not be trusted with sensitive information. 

In addition to all of the above, which is as I mentioned reprehensible, it is also reported that their senior executives sold {$2.00} million of stocks after they knew of the security breach but before it became public XXXX their sale of stock on XXXX XXXX is tracked and available online ). 

I never voluntarily chose to work with Equifax, I never signed any agreement with Equifax. But they have my personal information and are sharing it with criminals! As far as I can see I have no course of action to stop this. Please advise on how I can best address this situation. 

Thank you!
XX/XX/2018 XX/XX/2018 XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION 4 TIMES AND I DIDN'T KNOW THAT THEY DID BECAUSE I'M JUST NOW ABLE TO SEE MY XXXX  REPORT AND IT DID NOT SHOW UP ON MY XXXX I ONLY INQUIRED WITH THEM ONE TIME AND THAT WAS LAST YEAR AND NOW THEY HAVE MY INFORMATION AND SEEM TO USE IT AS THEY PLEASE AND I AM NOT COMFORTABLE OR HAPPY ABOUT IT THAT IS NOT VERY PROFESSIONAL AND I WANT THIS TO BE HANDLED IMMEDIATELY
took out a personal loan with this business in   XXXX   XXXX  , have only received a few monthly statements in the past year. I have had to call and request a few of them. On   XXXX   XXXX   XXXX   the business informed me that because  XXXX  of my statements was returned that their system would no longer issue monthly statements again, that I could call and request them. I said that the duty is not on me as the debtor to request my statements and asked for a supervisor but was told that she was out. On   XXXX   XXXX   XXXX   I spoke to a company supervisor and advised that this was not acceptable and demanded to receive monthly statements on my account. She said she would arrange for their  XXXX  employee to " fix '' the problem in their system so that I would receive monthly statements. I asked when I should expect the next statement, she advised me that it would generate after   XXXX   XXXX   and that I would receive it by mail shortly thereafter. On   XXXX   XXXX  , I still did not not received a statement, so I called customer service. The representative said that I can not get monthly statements because I have had mail returned. I explained to her that is an issue that the  manager said that she was going to solve and the representative said that it had not been solved yet and that the manager was not available. On the original loan contract it states that they " the creditor '' will mail monthly billing statements of all charges on my account unless prohibited by fe deral law. The creditor is breaching the contract by not mailing monthly statements to me.