WillisBack/dataset-financial-user-claim huggingface dataset:
My copay ( $ 50- {$60.00} ) is paid prior to seeing a physician. I paid the required copay at XXXX. A collections agency is reporting that no co pay was paid. These two accounts are reporting adversely on XXXX and XXXX Reports. XXXX does not report at all. I spoke with two reps with XXXX ( XXXX and XXXX ), and advised them that I have received a " PrintScreen '' proof of payment from XXXX and a copy of my bank statement. They refuse to receive fax and stated will not remove incorrect information from reports.
During the past 2 years I have applied for one and only one credit card with XXXX XXXX. Despite disputing the other unauthorized inquiries they remain on my report. The unauthorized inquiries include XXXX XXXX XXXX dated XX/XX/XXXX. XXXX CA dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX auto dated XX/XX/XXXX. I never authorized the latter 4 inquiries at any time. The most offensive to me is XXXX XXXX XXXX whose offer I declined yet a hard inquiry survives their declined sales pitch. Also XXXX XXXX who I investigated and discovered is a Maryland based Car dealer. I live in Florida and have ever had a car loan in my life nor inquired about one ever .If my SS # was ever used to buy a car in Md. that is identity theft, never, mind their location in Maryland. XXXX Assured me they would remove this, but never have. I have not even been in the state of Maryland in over 5 years and certainly never car shopped there.
Hi I requested Proof of Validation of Debt XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have not received this was sent certified mail and they did sign for the documents that I sent.
Navient, responsible for servicing my Stafford student loan surprised bill me for a past due amount on my account for payment I submitted in the last month. I called the representative and they said this was for a missed payment several months back that their system now caught. This is very inappropriate as I always pay the amount shown due on their Web Portal. I was never given notice that I ever missed a payment. I feel completely at mercy to Navient with no recourse for their error.
For the last few months I have been receiving phone calls from Diversified Consultants who have been looking for a " XXXX XXXX. '' I am not and do not know anyone by that name. However, they continue calling my phone number even after I have told them to stop calling. Please do something about this company to try to stop them from calling me. I will also send them a cease and desist letter as well.
I recently learned from XXXX that a address located in Michigan was on my credit report in 2017. 
I never lived there, visited there and as far as I know I do n't have family there. 

My drivers license have been stolen, social security card have been stolen. 
I received a letter from social security in 2017 and told to file a civil action law sue. They are aware of fraudulent activities with my social security number.

IRS is fully aware of these fraudulent transactions made persons other than myself. 

XXXX Police is investigating, several reports have been filed by me. I reported theft of my identity to the bankruptcy courts. The Supreme Court to be exact.
In a nutshell ... Lets ' say I have XXXX in the bank and the bank has automatic draft coverage ( requested this to be removed ). There is a charge for XXXX and another charge for XXXX. Capital One will let the XXXX charge come and then the XXXX. By having the charges come out this way, Capital One has doubled its fee. Instead of XXXX, I am getting hit with XXXX. If Capital One tool the XXXX then the XXXX, it would be only once. They are engineering the process for their benefit. It is predatory.
My husband and I applied for a loan with a local bank, and they need to pull our credit reports from TransUnion. After the XXXX data breach, I had frozen both of our credit reports with all three major credit bureaus. On Friday, XX/XX/2018 I logged on to TransUnion for both my husband and myself and temporarily lifted the credit freezes until XX/XX/2018. Both he and I received receipts from TransUnion indicating the temporary lift was in place. On XX/XX/XXXX the bank called to say they could not get access to either of our credit reports. I logged onto both our accounts and saw that my husband had no active lift in place, but I did. I placed a lift on his account until XX/XX/XXXX. On XX/XX/XXXX the bank called to say that they again could not access our credit reports. I called TransUnion on XX/XX/XXXX to find out what was happening. After several hours of fruitless navigation of their web site, I finally was able to talk to an actual person, who took information about my account, put me on hold to check the account, and then completely disappeared. I called again, waded through their convoluted phone tree, and finally talked to a person who was able to check our accounts. He indicated that there was an active lift in place for both accounts, and he had no explanation for why the bank could not access our credit reports, nor did he seem interested in helping us. The only advice he offered was that the bank should try again, and if not successful should contact their " local marketing department. '' He was unable to explain who or what this organization was. I relayed this information to the bank and this morning XX/XX/XXXX the bank called to say with the help of the company they use to interact with TransUnion they were able to get my husband 's report but not mine. I logged onto my account yet again only to find that there was no active lift in place. I again put a lift in place for my credit freeze, and am waiting to see if the bank can access my report. Since these credit reporting agencies amass out personal financial information without permission and apparently any accountability to the consumer, they should at least be required to provide a minimum of customer service to make it easier for the consumer to control when access to this information is permitted.
The company ( ERC ) contacted XXXX of my family members ( including my wife, sister, mother, XXXX daughters, and my sister-in-law ) about an alleged debt to XXXX, using language that suggested they were a law firm. They specifically referred to " legal papers '', and gave a " case number '' to the family members. They made these calls after first calling me and leaving a voicemail message.
Procollect Collections : On XX/XX/XXXX I paid my account, in full, in the amount of {$1300.00}. On that day I was told, via phone, that I would receive a paid in full letter. When I called to check on the status of my paid in full letter, I was told that I would NOT be receiving a paid in full letter because they " found '' another account from an apartment dating back to XX/XX/XXXX. This account was NEVER reported on my credit report nor did I ever receive notice of another delinquent account. Procollect never mailed me anything, even after receiving an updated address for me. My money was taken, but it was not used to fulfill my VALID debt obligation. Instead, it was split between two different accounts, once of which, is NOT valid.
I scheduled my monthly payment around XX/XX/17 for XX/XX/17 when it was due. On XX/XX/17 I see it did not come out of my bank account. I reschedule payment for today ( it is around XXXX ). I contact 'chat ' with XXXX and they are no help. I am now being charged a late fee for a problem with their system where my payment was deleted.
To begin with, the letter sent demanding XXXX as a shortage on my escrow is illegal via RESPA and as of XXXX Maryland Law. It does not matter if my bills increase, if I pay into escrow additionally ( as I did this year ) or as in XXXX if the bills decrease as in my home owners insurance, the property tax was EXACTLY THE SAME as the previous year. I have received the huge demand letters before and they have been resolved, specifically since I am on a mortgage modification. 
So with that I paid into the escrow XXXX XXXX XXXX and for the remainder of XXXX paid XXXX. This leaves a credit balance of XXXX plus the XXXX I paid in XXXX ( estimated ) you do not have in the Escrow total at all. You estimated everywhere else, but not that payment to escrow and you auto -deduct. It is unfair to do an analysis with 11 months it is not a fair analysis of the Escrow for the year ... it skews things in the lenders favor. 

CREDIT DEBIT XXXX XXXX XXXX XXXX XXXX XXXX ( additional pmt supposed to be fixed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 11 pmts ) XXXX ( XXXX ) 12 pmts escrow ( XXXX ) - XXXX XXXX paid out Variance XXXX So you can calculate this two ways. You have a cushion of XXXX left after the XXXX payment which as of the date of this letter has been withdrawn from my account. OR I can contact the insurance company and I can attempt to pay my own mortgage ... therefore reducing payments into the escrow as you will only be paying around XXXX per annum. The variance in my favor to be refunded to me by the end of the calendar year ( XXXX XXXX ) would be XXXX less your cushion BY LAW, which I have calculated to the penny. 
Please see the attached Seterus letter for further detail and requests. This is not legal to my understanding of Maryland and Federal Law. Also the figures are incorrect. 

Thank you, XXXX XXXX
I am the victim of fraud and the charges stem from   XX/XX/XXXX   through   XX/XX/XXXX  . I was in the hospital XXXX  and now in   XXXX   XXXX  . The fees were reversed then reinstated which has overdrawn my account. I am on a fixed income and I am unable to get any resolution.     I am also unable to close the account due to the fact  M & T Bank overdrew the account. They are charging monthly maintenance fees which is f urther overdrawing my account. Please see below I have called and sat on hold for over  30 m inutes on  3 sep arate occasions.   I am a  XXXX   year old  woman with   XXXX   XXXX   XXXX   with my most recent stay in the hospital for a over a month   XX/XX/XXXX   through   XX/XX/XXXX  . I can not handle the stress. I have moved from the hospital to   XXXX   XXXX  . I faxed and mailed the dispute forms necessary to reopen my fraud case. My card # was stolen and used without my authorization. I have never done business with any of those merchants. You have removed my provisional credit and have overdrawn my account. I want all fees reversed.     My next step is to file a complaint with the CFPB and the bank President if this is not resolved immediately.     Sincerely,   XXXX   XXXX
received collections notice that company was collecting a debt for XXXX XXXX XXXX, offering me XXXX payment options, none of which equaled the amount I " owed ''. i called XXXX XXXX XXXX and verified that my account was completely up to date.
Today i
s XXXX XXXX, 2017. I 'm trying to get a mortgage and I 've been unable to lift the security freeze I have with Equifax over the phone or online because their systems keep crashing. I 've tried to get through to Equifax 15 times in the last 72 hours. Their phone line and website have crashed. I called last Thursday ( XX/XX/XXXX ), before I knew about the hack and someone from Equifax told me to mail all of my personal information to them, including my address, name, SS #, DOB, a
nd PIN code to unfreeze my account. But then I learned of the hack and I did n't feel comfortable sending all of this personal information to them through the mail. Everyone knows they 've been hacked and it would be too easy to intercept a letter addressed to " Equifax '' that has all the information they 'll ever need to steal my identity.
I should n't have to mail all of the information to Equifax that I have been protecting by placing the security freeze in the first place. Now I 'm at risk of losing the home I 'm in contract for because I ca n't access my credit information. This is a DISASTER.
To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX XXXX, which is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to XXXX XXXX XXXX, Equifax nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.
To whom it concern, We went to make a payment on our Best buy account on Friday, XX/XX/XXXX, and were told they wouldn't take a payment because the account had been charged off. They gave us the phone number to contact on Monday, XXXX XX/XX/XXXX, which was to the Citi bank Recovery Department. The recovery department said they couldn't talk to us after until XX/XX/, when the account would be sold. We said that we could possibly pay the account off in full, but we couldn't do it a they store they said. We can't afford to pay them off, at this time. Our complaint is that we never received any communication from Citi or Best Buy, that we missed a payment in XX/XX/XXXXor XXXX, and that were in danger of having the account charged off. The account was last payed on XX/XX/XXXX, when we entered a payment program with Best Buy on the phone, and the payment was to be XXXX a month with no interest. We never received any communication that the account was late or in danger of going into a charge off state. They never contacted us by phone, or a written letter.
I have sent notice to experian credit report where my mortgage company says i didnt pay XX/XX/2018 payment i paid XXXX cents on XX/XX/2018. My payments areXXXX a month .i cant and dont know why this happens every month
I was charged overdraft fees on my checking account, when at no point did I have insufficient funds to cover transactions. In fact, the fees charged are what caused the overdraft. When I called to speak to customer service, I was put on hold for 23 minutes at which point I hung up. I then called my local branch ( XXXX ) and was told by the individual on the phone that according to the " dark side '' the posting of the transactions and fees caused the overdrawn status. I want the {$140.00} back that was taken from me. My on line banking does not show any negative balance at all, funds were sufficient, so I am unsure as to what " dark side '' the individual was referring to.
My credit report has a name on it similar to mine but is not me, also this same name has been reported with an account that is not mine. I never done business with this company nor have I given permission to anyone or company to open this account.
To whom it may concern : I XXXX XXXX XXXX am a victim of identity theft and identify fraud where XXXX XXXX XXXX and XXXX XXXX XXXX two wanted fugitives for multiple murders. That I reported to the New State Attorney General and the Massachusetts state attorney general. There an active NYS attorney general investigation in to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX as well the two fugitives named above XXXX XXXX XXXX is my mother so she had all my Information as far as D.O.B XX/XX/XXXX S.S. # XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. After I reported my whole family for multiple murders they retailed by XXXX XXXX is my cousin she call all my creditors XXXX XXXX XXXX XXXX XXXX and making false claim of my accounts being put in to collection. XXXX XXXX my sim card out my XXXX and creating XXXX dollars in fraudulent charges and called XXXX put it in to collection not once but twice. After it was resolved with XXXX and XXXX off my credit report do to fraud. These events have adversely affected my Credit score before the fraud I was an XXXX with XXXX XXXX now Im a XXXX with XXXX XXXX. Please restore my credit score to where  it was before the Identify theft and the Identity fraud that I reported to the F.T.C and other agency CFPB years ago. If not I will be forced to take legal action. Thank you XXXX XXXX XXXX XX/XX/XXXX
On XXXX XXXX, 2017 XXXX deleted Acct # XXXX from my credit file and I would like Transunion to follow suit and delete this tradeline from my credit file.
To Whom  it may Co ncern : I had a loan since  XXXX  it was in forbearance for ten years. I finally made arrangements to repay my loan. My loan repayment started in  XXXX   XXXX  and its now  XXXX   XXXX . I was told in  XXXX  if I made 120 payments I would be able to get a loan foregiveness in  XXXX   XXXX . I just got off the phone  with Navient and was told I had 57  more months of payments. I find this ridicilous I already paid  XXXX  for a  XXXX   XXXX  dollar loan.
The credit agency put wrong information on my credit report I never had XXXX. I called and wrote letters but they still have not removed information from my credit report
Initial Complaint :  XXXX   XXXX  provided me with  XXXX   XXXX  contact information from on  XXXX   XXXX ,   XXXX  . I did not receive the above contact information prior to filing my complaint to the CFPB.  XXXX   XXXX ,   XXXX   is the first date I received contact information on  XXXX .     Everything listed above and performed by  XXXX   XXXX   XXXX  appears to have been done recently, after the derogatory credit reporting in  XXXX  and  XXXX . There are no dates listed above regarding the investigation and/or notification prior to my complaint with the CFPB. Again, derogatory information was submitted prior to me receiving any documentation or letters regarding the resolution of the fraud investigation.     I contacted  XXXX  more than  twenty " 20 '' times (  prior to my CFPB complaint ) regarding this issue via telephone,  XXXX , and fax. Moreover, I specifically informed  XXXX  that my cell phone, along with other things, had been stolen and personally gave you an alternate contact number.     Additionally, I was actually told in  XXXX  that this card was cancelled by a  XXXX  representative and actual items on the card were disputed. Negative information should not have been reported to the credit bureaus if the credit card account was under investigation, and/or I was not aware of the results, and/or I was under the assumption that the card was cancelled.     Thank you.     email :  XXXX  XXXX  XXXX
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XXXX/XXXX/2017
After denying the loan modification appeal, we received XXXX letters from Nationstar on XX/XX/XXXX. In those letters, they offered alternatives to foreclosure and hold ( stop ) the foreclosure scheduled for Monday, XXXX at XXXX. I immediately called Nationstar and spoke with customer service representative named XXXX. We discussed the alternatives, and due to the current situation, we decided to move forward with the Short Sale. XXXX made notes on her system that we were doing the Short Sale and advised us to hire a realtor. We hired a real estate agent to proceed with the short sale and initiated the process on XXXX last week. On Monday our realtor initiated the Short Sale on XXXX and were advised that a short sale negotiator will be assigned shortly. However, Nationstar " changed their mind '' and activated the foreclosure procedure with a short sales process initiated on XXXX denying us the opportunity to move forward with the Short Sale. 

XXXX also offered a One-On-One meeting with a Nationstar representative within the next 14 days ; however, we learned that on Tuesday, XX/XX/XXXX that was denied without communication that to us. 

The fact that we filed for BANKRUPTCY along with the slow and lengthy procedures that XXXX XXXX XXXX and Nationstar delayed the loan modification process and accrued several months of payments and put us a very precarious situation. It seems that now we are being punished for filing bankruptcy and not allowing us to short sale the home. 

It 's important to note that we have NEVER requested a Short Sale before. Our utmost intention was keeping the home but we were left without that that option after the procedures that Nationstar has placed setting us to fail. 

As borrowers, we have the rights to an alternative to foreclosure as established by HAFA. They are not following the proper procedures to get this situation to an orderly close. They are taking short cuts and violating our consumer rights. 

It is important to note that we have called Nationstar every day and more than once. XXXX XXXX XXXX who signed one of the letters was supposed to get back to me on Monday ; however, she is not answering my calls and other customer representatives are being evasive. 

We will highly appreciate your assistance in obtaining a postponement on the foreclosure and we can move forward with the Short Sale which will minimize the financial and emotional impact that a foreclosure will have in our lives. Additionally the Short Sale will benefit Nationstar and the trustee by obtaining a much higher sales price than the foreclosure sale. 

Looking forward to a favorable resolution to this unfortunate situation.
I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.
I 've been trying to get a look at the my credit report from Experian but I 've had no luck with them. I tried joining their service and still no luck. 
It is impossible to get my personal info from them which affects my life. 
My score from XXXX is XXXX and XXXX is XXXX so why is my Experian is at XXXX. The Experian is stating that I 've seriously delinquent account but I do not.
My mortgage was transferred to XXXX XXXX XXXX XXXX  on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.