WillisBack/dataset-financial-user-claim huggingface dataset:
I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed Chase and XXXX accounts and hard inquiries ( XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
I had an apointment with Loss Mitigation Depart. Banco Popular De Puerto Rico XX/XX/2018 XXXX. 
Appointment was issued by bank in a meeting requested by me to solve the moratorium situation I am because of the hurricanes disaster.At that moment I was offer a payment plan which I inform i was not in position of agreeing because of reduction of my incomes.They recommended loss mitigation. 
I waited 1hour and 5 minutes ( no problem ), lady last name XXXX, ( never told me her first name ), attended me, in 5 minutes literally 5 minutes, she told me that my loan investor do not accepts any alternative other than a payment plan or I could voluntarily can surrender my property.No other option was offer to me.I did not agree and she offered an appointment to come back to begin the process of surrounding the property voluntarily. 
Is a shame to receive attention like that by persons who do not realize the situation a customer is and the mental inconveniences that represent.
I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, XXXX XXXX XXXX ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, XXXX keep updated this information, never not once giving me an physical documentation.
This case has been going on for 20 years, there is NO debt that they, attorney   XXXX   XXXX   XXXX   and the company   XXXX   XXXX   XXXX  , as debt collectors could have EVER attempted to collect and have failed and refused to produce the original documents from the alleged XX/XX/XXXX  judgment of {$4000.00}. Since this debt was settled paid in full in  XXXX , TWO YEARS BEFORE the alleged filing of the claim, they can not have a claim without their admitted CONTINUING EXTRINSIC FRUAD with the presumptively inadmissible product and evidence of admitted fraud and now attempts to collect {$13000.00}. In earlier rulings by the court involving   XXXX   XXXX   XXXX   (   XXXX   v.   XXXX   XXXX   XXXX   ), numerous
A year ago I received a bill from XXXX XXXX XXXX in the amount {$690.00}. I contacted XXXX and was told that this bill was in error and that I do not owe this. I asked how did I get this in the first place and they claimed that originally that I had missed some payments. So I asked to be transfeered to their colllection department just to make sure the that both departments were saying the same thing. We went over the bill for the past 7 months ( the months they claimed I owed ). This is when I was told that I did not owe balance and that they would take care and make it right Last week I received this same bill this time from their in-house collection group. I am furious.
I went to XXXX XXXX of XXXX, XXXX for my XXXX in XX/XX/XXXX. When I was registering I was told I had to pull out a Genesis Loan or I could not attend school. At the time I was more focused on the prospect of having a career to help provide for my son at the time. I graduated XX/XX/XXXX and I managed to get hired at the place that I externed at. Well, I was there for about a year and then me and my husband decided to move back down to XXXX XX/XX/XXXX Well, we have been down in XXXX for almost 2 months and I have n't had any luck finding a job. My husband just started his this past Monday. I 'm two months behind on my Genesis loan and this is the XXXX time I have ever been late on it. I was evening paying on time when I was going to school. My monthly payment is {$65.00} a month. So far I 've missed XX/XX/XXXX and XX/XX/XXXX payments so I owe $ 130 month payments but the late fees are outrageous. I owe {$100.00} in late fees as of today XX/XX/XXXX. That 's {$230.00} that I owe as of today. I wont be able to make a payment until my husbands second check which wont be until XX/XX/XXXX. And my next payment will be due on the XXXX so that 's another {$65.00} for monthly and then whatever late charges I owe by then. I 'm afraid that its going to be well over {$300.00} by the time I can pay and I wont be able to pay the full amount because its gotten so large. I have XXXX sons ( XXXX mths and XXXX yrs ) and I have things that I have to buy for them and I have other bills. I had to defer my federal loan because I could n't afford to pay on it at the moment. So any help or information would be greatly appreciated. I know that XXXX colleges are getting sue and I do n't really have an idea of what that can do for me and my family. So and info would be great. Thank you.
I have requested the records of this account because I believe this account was opened by someone other than me. I have not gotten this information and I 've been sent a repayment agreement that is asking me to notarized. Which I was n't aware of apparently a court date was missed and they are saying that I have to sign and notarize this agreement because they could take my house, car or anything they feel is valuable
third collection agency I 've disputed tmobile sold to, have disputes & have had deleted each agency that unknown to me how they have my information at all, no I 've disputed this twice & they ( experian ) just leaves it, says it investigated, but they 're not, tired of watching my credit report and score going down the drain. Please help XXXX
Caliber Home Loans currently holds my mortgage loan. I contacted them a couple times to refinance from FHA to conventional loan ( brand new built home 2015 ). They advised each time to wait another year for home value to increase. The house on the next block, same floor plan, sold for $ XXXX more than the purchase price. I contacted Caliber again requesting to refinance. They could not see the home that recently sold in their system and came back with comps in the area that were much lower than actual. After hearing the same spiel " to wait another year '' once again, I contacted another mortgage company ( within a few weeks time from last contact with Caliber ). Apparently the new mortgage company had more up-to-date data, software - they immediately saw the significant increase in home value and began the process for refinancing. As part of a NECESSITY to determine my current loan amount, the new mortgage company contacted Caliber for a payoff amount. They subsequently made a second request, just prior to closing, as I had made a mortgage payment in between the two requests. Caliber charged to me, personally, a {$5.00} fee for each request. This was noted on my statement as " Fee billed ''. Not know what the fee was at the time, I called to inquire. Turns out it was a FAX fee charged to me for the new mortgage company to obtain the payoff amount from Caliber Home Loans. This is gouging the consumer - especially considering the exorbitant fees associated with mortgage loans.

I have worked in healthcare for nearly 40 years. When a physician requests my medical records from another physician, there are no costs charged to me associated with the copies/request. However, if I request copies of my medical records myself, a fee is charged. The same should hold true for a mortgage company to mortgage company request for payoff information. I did not make the request. That piece of information is required in order to pay off the loan. Why gouge the consumer? Had I requested the payoff information myself, sure, charge me. I made no request for a FAX payoff from Caliber and received no FAX, document or service from them, yet was billed {$10.00} on my next mortgage statement - billed directly to me. This, again, is gouging the consumer.

If this is found to be a legitimate charge based on current laws and practices in the mortgage industry, then this practice needs to be reconsidered. I request a refund from Caliber Home Loans in the amount of {$10.00} for FAX fees, in which I made no such request, nor did I receive any goods or service from them.
Dear CFPB Staff : Tempted by an offer in XXXX 2016, I initiated a balance transfer with Pentagon Federal Credit Union, and wanted to transfer {$1300.00} from my XXXX XXXX credit card ( XXXX XXXX card ). Three months and hours of phone calls later, I still have a debit balance on my PFCU account for the {$1300.00} transfer, but never benefited from the transfer at all. We did determine through phone conference calls that PFCU put the wrong account number on the check they sent to XXXX, who claims to have sent the check back to some other account holder ( due to the wrong number on the check from PFCU ). XXXX then offered to stop payment on that check and mail another check to me, which I would then remit to PFCU so they could remove my debit. That was three weeks ago and I am tired of waiting. 
[ Find below a recent email from a PenFed representative. ] XXXX XXXX XXXX PenFed CU customer XXXXXXXXXXXX XXXX XXXX Dear XXXX XXXX, I apologize that this situation still has not been resolved for you. When we last spoke with XXXX, they said that they were going to issue a stop pay on the check they issued back to PenFed and then issue a new check payable to you. I am happy to assist you in making another call to XXXX 's in regards to the check that were supposed to be sending you to see if we are able to get a status on it. As you know, XXXX will not speak with me about this issue without you being on the phone and giving your consent for me to speak on your behalf. Please let me know if this is something you would like to arrange. If so, please give a day and time that will work for you for us to call them together. Once we receive the check I assure you it will be backdated to the date of issuance. 
Again, I apologize for all of the inconvenience this matter is causing you. I will continue to do what I can to assist you in getting this matter resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX PenFed.org ] XXXX XXXX XXXX PenFed CU
As a result of a previous CFPB complaint submitted by myself and Congressman XXXX 's office ; Mr. Cooper, my loan servicer, provided the attached resolution. The resolution dated XX/XX/XXXX on page 2 states that they would re-instate my loan modification if I paid them {$36000.00}. This amount, per the attached resolution covers payments from XX/XX/XXXX through XX/XX/XXXX. I submitted the full amount with certified funds on XX/XX/XXXX. It took a few weeks for the funds to post. I have had over a dozen calls with Mr. Cooper since. Most recently I was told that despite the attached resolution, they made a mistake and I owe an additional {$9300.00} due to a mis-applied payment on XX/XX/XXXX. 

I have since made payments for XX/XX/XXXX through XX/XX/XXXX.  Because I complied with their resolution, and their mistake occurred over a month prior to issuing the resolution, I believe my account should be considered as current. This is simple contract law - they made an offer, I accepted their offer and paid the requested amount in full, they accepted payment thus accepting the contract. 

As part of the HAMP modification process, Mr. Cooper and the Lender had the ability to reduce the principal amount and/or reduce the amount of interest accrued in addition to what they provided. My original interest rate was 6 %. Applying the new modified rate to the past due amount would have resulted in savings much greater than the {$9300.00} mistake they claim to have made. 

In addition to the simple facts above, I was happy to have this resolved after years of trying and after actually having them foreclose my home. I was within about 30 days of being evicted with my 2 children. I have spent more than XXXX dollars in legal fees, have been physically/mentally damaged from the foreclosure process, and lost my fiance due to the mortgage issues which they classified as a " miscommunication. '' I would appreciate some support to get this issue resolved without me having to proceed with further legal proceedings to fix this. 

Sincerely, XXXX XXXX
As a result of a dispute over services owed with XXXX ( That is a separate issue ) I received a Debt Validation Notice from XXXX, XXXX and XXXX ( XXXX ) ( Exhibit A ) giving me several options to resolve my account. The original amount XXXX claimed I owed was {$71.00}. I opted for option # XXXX which was a XXXX time payment of {$49.00}. I paid this amount to XXXX on XX/XX/XXXX as evidenced by my bank statement ( see item highlighted on Exhibit B page XXXX of XXXX. This was to have resolved the issue and removed the collection account from my credit report. On XXXX XXXX I received a collection notice from Receivables Performance Management ( RPM ) ( Exhibit C ) stating that I had an amount due of {$21.00} on my XXXX account. This amount is the difference between the {$71.00} XXXX claimed I owed them and the {$49.00} I paid to XXXX back in XXXX. It is my understanding and XXXX that when I paid the {$49.00} that my obligation with XXXX had been settled. I did file a dispute with XXXX, a credit bureau, and they informed me ( Exhibit D ) that XXXX claims this account still to be in collection. Further RPMhas called me and was extremely belligerent when I attempted to explain that the debt had been settled and threatened that I would be subject to further action.
Citi mortgage had a modification package as of XXXX see attachment. 
The sale date was set for XXXX. Never once did Citi reach out stating information was needed/missing. Our office has called in for the last 3 weeks. NO ONE contacted the homeowner regarding missing documents. 
There has been a consistent issue with authorization even though XXXX was sent XXXX and XXXX verbals good for 6 months were issued by the homeowner. 
Friday XXXX XXXX failed to mention documents were needed. 
XXXX supervisor XXXX XXXX reviewed the file and stated we should have been made aware info was needed. 
The XXXX never contacted our office until XXXX even though previous emails were sent to him. On XXXX he emailed and stated the sale date for XXXX would not be postponed as it is to close to the sale date. The file HAD BEEN WITH THE UNDERWRITER. Please see attached email. 
It is very apparent CITI has neglected this file. The employees are very incompetent as well as negligent. We are DEMANDING that the sale date be postponed so the file can be properly reviewed
I went to freecreditreport.com on XXXX/XXXX/2015 to request a free credit report, and they fraudulently signed me up for a monthly service that costs over {$20.00} per month. I called them today ( XXXX/XXXX/2015 ) to tell them that I do n't want this service, or this monthly charge, and they refused to refund my money, saying that it was my fault. I want my money back! please help me resolve this dispute.
On XXXX/XXXX/XXXX, Citi advertised " Earn XXXX bonus ThankYou ( R ) Points after you spend {$0.00} in purchases with your card within 3 months of account opening redeemable for {$200.00} in gift cards '' I applied the card but citi never honored the signup bonus. I give Citi 6 months to resolve this issue and eventually the falsely claimed I was not eligible. 

The application was submitted on XXXX/XXXX/XXXX with Application Id : XXXX Response from citi Date : XXXX XXXX, XXXX XXXX EST Please be advised that because this offer was posted online in error we are still working to resolve this issue ; only the account that were was opened during the time in which this offer was advertised will be eligible for the bonus points. The adjustment of bonus ThankYou Points for applicable accounts is scheduled to occur during the XX/XX/XXXX billing cycle. 

XXXX XXXX, XXXX XXXX EST The resolution regarding the promotional offer that was posted in error was scheduled to be corrected by XX/XX/XXXX. Unfortunately, this has been delayed and the bonus Thank You points will post to your account XX/XX/XXXX. We apologize for any inconvenience this may have caused. 

Date : XXXX XXXX, XXXX XXXX EST We understand your frustration. 

At this time, the Thank you point have not been awarded. This concern is still under investigation. If awarded the points will be shown on the billing statement. 

We appreciate your business and value you as our customer. 

Regards, XXXX XXXX Senior Account Specialist, South Dakota Date : XXXX XXXX, XXXX XXXX EST Our records show the offer to earn XXXX bonus Thank You points if you spend {$0.00} was posted in error from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. Only accounts opened during this timeframe were eligible for the offer. We show that your account was opened after the offer was removed.
This account was very past due for quite sometime due to loss of income. I started making multiple payments per month starting in XX/XX/XXXX to resolve balance. I disputed the total balance because it was still reporting late and as if I was n't making payments. Company updated saying information was accurate and actually increased the balance due after updating a couple of the posted payments which was incorrect. I then re-disputed with credit bureaus with dates payments were made and amounts. As of XX/XX/XXXX the account was paid in full. Today I received an update to my second dispute as the company stating accurate info ... Open {$550.00} past due as of XX/XX/XXXX and now 180 days or more past due.
The third party collection agency name XXXX XXXX left threatening voicemails to myself and my family members about an old debt saying if I don't contact them they will come to my home and arrest me. How rude and to top it off this debt went to bankruptcy and they also have the wrong year I took the loan out. They should of called the place that I took the loan from first and confirmed the date I took it before calling and leaving nasty messages that were unnecessary. This is a Third party collection and had no legal right to call my family members. 

P.S. Loan was taken XX/XX/XXXX NOT XX/XX/XXXX
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I returned my equipment from XXXX when I closed my account and the company send my account to collection agency.
I sent a letter to QUALITY ACCEPTANCE LLC, the letter is enclosed, I gave them a year, it was signed by no one. They broke more federal trade commission laws and more FCRA regulations than any other company I have ever seen. And they unlawfully harassed for money when they violated and broke the contract we had with them, and they also refuse to send any proof I Asked for a year. There window is closing soon, I want {$7500.00}, if they do not pay up I feel sorry for them, cause I am here telling the world, I am coming for them, by media, by law, my court and I want whoever is responsible to go to jail as well. How can you send a response of this serious nature with no signature. IS that who stole my money?
Hi, I had submitted a complaint before, and I did not have much information either. But I now know that the owner of the loan is XXXX University, but the servicer is XXXX  XXXX XXXX ( " XXXX '' ). My Perkins loans is showing as defaulted in the National Student Loan Database System ( " NSLDS '' ). I have called them multiple times to get this corrected, and each time they say that they submitted a  work order, but after 3 years of me fighting this, it is still showing as default. The loan is paid in full, and this is always causing issues when I request financial aid with my current university. I do not have any contact information for XXXX, but XXXX contact information is : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. 
XXXX
After receiving a copy of my credit report in XXXX of this year, I noticed my student loans were reflecting late payments for the months of XXXX 2015 and XXXX 2015. This did n't seem right so I logged into the national student loan database where all records are held for my federally backed student loans and printed out evidence that in fact my student loans were in forbearance during these months which began XXXX XXXX, 2015 and did n't go back into repayment status until XXXX XXXX, 2015 and where then put back into Forbearance in XXXX of 2015. With the evidence I found, I sent certified mail to all XXXX credit bureaus as well as the XXXX/Nelnet and specifically stated my reason for dispute along with all documentation I had gathered to support my claim. When I received their response, I was in total shock. They specifically stated that they were unable to update any information because I was not specific enough with my dispute and I needed to to provide the following information : -account being disputed -reason for dispute and -specific items I was disputing. I do n't understand how I did n't provide that because I specifically filled in -the account numbers I was disputing - my reason for dispute was that they were in forbearance during the time they were reporting my account late - and specifically gave them the dates my account was in forbearance and the dates they were reporting me as late. I ca n't get much more specific than that. I will include copies of all these items I sent to them as well with this claim so it is known exactly what was sent and I will also include my certified receitps etc. that my claim was received and not addressed accordingly.
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : American Express XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX