WillisBack/dataset-financial-user-claim huggingface dataset:
A hard pull showed up on my Equifax credit report that I didn't recognize from XX/XX/2017. The company 's name is XXXX/XXXX. It shows up as a personal loan co-signer category. I did not try to co-sign anything inXX/XX/2017
I REQUESTED AND NEVER RECEIVED CONTRACTUAL AGREEMENT BEARING MY SIGNATURE STATING I AGREED TO REPAY.ALSO COURT CASE WIYH XXXX XXXX XXXX SCHEDULED INCIRCUIT COURT OF XXXX COUNTY ON XX/XX/XXXX AT XXXX COURT CASE #XXXX. DISCOVER BANK VS XXXX XXXX.IHAVE ON ALL 3 CREDIT REPORTS. XXXX XXXX XXXX STATING BALANCE OWED $XXXX .I AM BEING SUED FOR $XXXX PLUS COURT COST. WITHOUT ANY DOCUMENTS BEARING MY SIGNATURE SAYING THERE WAS CONTRACT OR EVEN IF ACCOUNT IS MINE TO PAY.FDCPA&FCRA SECTION 807-8 ALSO623-B.I HAVE NO VALIDATION.IWANTED TO SAVE MY CREDIT SCORE SO I MADE PAYMENTS OF $XXXX   FOR SEVERAL MONTHS IN XX/XX/XXXX. NEVER RECEIVED ANYTHING STATING PAYMENTS WENT TO BALANCE OWED THEY SUED ME PRIOR TO NEGOTIATING ON PAYMENT PLAN.I NEVER WAS TOLD I COULD DISPUTE THE CHARGES. I ONLY RECEIVED NOTICE OF MOTION.I COULD MAIL YOU CREDIT REPORTS AND COURT PAPERS.ALSO THIS DISCOVER BANK ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX. DISCOVER BANK ADDRESS XX/XX/XXXX,XXXX XX/XX/XXXX. MY CONTACT INFORMATION ,XX/XX/XXXX SOCIAL SECURITY NUMBER XX/XX/XXXX ADDRESS XX/XX/XXXX. TELEPHONE XXXX EMAIL XXXX.PLEASE HELP RECENTLY RETIRED DEBT TO RATIO UNABLE TO ANY LONGER PAY. MONTHLY INCOME $XXXX MONTH RENT $XXXX UTILITIES ABOUT $XXXX MEDICAL &LIFE INSURANCE ABOUT$XXXX OTHER BILLS.I LIVE ALONE NO DEPENDENTS.
I recently received my credit report and noticed that hard inqueries were readded to my credit file after being deleted. After calling Transunion and requesting inqueries to be removed Transunion would not remove them. Upon further investigation I found out that they were removed and added back because of some type of computer glitch within Transunion 's system in XXXX and once again in XXXX. By law Transunion should have informed me in writing five days prior to readding. I received no such notice therefore my fair credit reporting rights were violated.
THE IDENTITY OF THE TRUE SECURED LENDER/CREDITOR Sub-Servicer Bayview Loan Servicing stated in writing that XXXX XXXX XXXX is the Master Servicer. The way Sub-servicer Bayview Loan Servicing and Master Servicer XXXX XXXX XXXX fail to state the identity of a true secured lender is Bayview will state XXXX XXXX XXXX is the Master Servicer and XXXX will answer you. The Master Servicer XXXX XXXX XXXX will say the loan was transferred to sub-servicer Bayview Loan Servicing LLC and Bayview will answer BOTH XXXX XXXX XXXX AND BAYVIEW LOAN SERVICING WILL NOT IDENTIFY THE TRUE SECURED LENDER/CREDITOR BECAUSE - Both Master Servicer XXXX XXXX XXXX and Sub Servicer Bayview Loan Servicing LLC have developed a scheme " THE BLAME GAME '' that doesnt provide us with the identity of a true secured lender. When Sub-servicer Bayview states that the owner of the loan was provided to us in a previous response - this is absolutely not true Bayview has never provided the identity of a true secured lender/creditor. Bayview Loan Servicing has never provided us with the Owner of the mortgage loan. Moreover, Bayview Loan Servicing continues to discriminate against us due to our XXXX and Bayview Loan Servicing continues to act, or practice misleads and has already mislead us the consumer. Due to fraudulent extensive criminal activity and fraud in this arena, and due to the fraudulent fake documents you provided to us to trick us into thinking they were authentic through the Consumer Financial Protection Bureau we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Bayview Loan Servicing LLC committed Deceptive Acts or Practices in response to multiple Qualified Written Request for the for the following reasons On multiple occasions we have requested through Qualified Written Request the identity of a true secured lender/creditor. Bayview Loan Servicing LLC has failed/refuses to give us the identity of a true secured lender/creditor and continues to operate deceptively by discriminating against us due to our XXXX. Specifically, we are disputing the following : a ). The identity of a true secured lender/creditor b ). The existence of debt c ). Your authority and capacity to collect on behalf of the alleged creditor/lender. Sub-Servicer Bayview Loan Servicing has committed the following acts against us : A representation, omission, actor practice is deceptive when : ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances ; and ( 3 ) The misleading representation, omission, act, or practice is material.
XXXX XXXX 2017 i called to cancel my payment because I ca n't pay. The agent kept asking why I ca n't pay. I told her I 'm switching jobs and want to call back when I for sure have the money. She then said she can delete the payment. She asked if they can call me. I said no. She then said " Collections efforts will still continue '' which I felt like was a threat. I was planning to call back once I did my budgeting and possibly pay the balance this month, but the way I was threatened, I do n't want to.
XXXX account number XXXX This home equity line was opened in XX/XX/XXXXand was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.
I refinanced my home in XX/XX/XXXX. Part of my loan agreement was that if I made all my payments on time I would have {$1000.00} credited to my PRINCIPAL balance for the first 5 years of my loan. I made all my payments EVERYONE on time. I received the first credit. My loan was sold to Nationstar Mortgage in XX/XX/XXXX. Nationstar reported to the credit bureau that I was paying late which was not true they ruined my credit and I could never get that removed or fix that error to my credit. I started contacting the mortgage company which is now called Mr. Cooper in XX/XX/XXXX regarding the error in reporting and the {$1000.00} credit due toward my PRINCIPAL balance. I have been trying to get Mr Cooper to  credit the additional {$4000.00} to my PRINCIPAL balance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and the additional {$1000.00} credit due to my account if I met the terms for the first 5 credits which I never  received. I have spoken with more than 200+ people at Nationstar and Mr Cooper in the last 6 YEARS. On XX/XX/XXXX I received a letter from XXXX XXXX stating they credited the credits due from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX. They also sent me a DODD Frank Form to fill out for the additional 6th credit. I returned the DODD Frank form on XX/XX/XXXX. I called XXXX XXXX at least 5 times to have the credits from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX applied correctly as they were not credited correctly and I have and am still paying interest on the amounts. Which should have reduced my principal balance in those years. As of today XX/XX/XXXX I have not heard back from XXXX XXXX at all and I have not received the credit due from the Dodd Frank form dated XX/XX/XXXX. 
Mr Cooper had no problem raising my interest rate per the modification on time not ONE day delay but they still refuse to give me the credits I deserve and are trying to make me pay interest on a balance that should have been reduced starting in XX/XX/XXXX. It is going on 7 YEARS that I have been trying to get this resolved. 7 YEARS!!!!!!!!! I am still due the final credit and an adjustment to my payments from XX/XX/XXXX.
More recently, Navient decided that I can not decide to apply my extra payments to all principal if I wanted to. Like usual with all important changes I do not receive proper notice that I can not decide how to apply my extra payments to wherever I see fit for my best interests. For instance, my lender changed from XXXX to Navient and I received no communication of this or the impact to me on my obligations to now Navient. Is n't that illegal if my lender changes without me being notified? ( And to be clear its my lender that changed not the servicer ). 
Also, they do not communicate interest rate changes outside of regular statements you receive. In addition, I fail to understand how someone with good credit and a great history of repayment still pays more than someone applying for a new loan. Their decisions on how to decide interest rates for customers are suspect.
I made a credit card purchase, point of sale. and the amount was debited from my account. two weeks later I was overdrafted by the amount of the sale and the date of the debit was almost two weeks after the sale. Subsequently the bank has charged me XXXX overdraft fees. I spoke to the retailer and they said that they put the charge through immediately so some manipulation was being done solely by the bank ( Bank Of America ). The bank is not supposed to allow any point of sale purchase through if the funds are not available and to be debited immediately.
I normally never call the bank with any issues. I had a terrible experience with my card declining and I had to leave the store. When I called I was told I would need to speak to the Account Services Department. I waited 1 hour and 20 min to speak to an agent, just to be transferred to another agent. That is unacceptable and I am reconsidering my relationship with this institution. I spoke to 4 useless agents and my debit card is still declining all my transactions. I ended up sending money via XXXX to another account I have and will ultimately change my direct deposit and close my account.
I sent a letters to TRANSUNION disputing the credit reporting on the following items on XX/XX/XXXX which they received on XXXX ( XXXX XXXX : XXXX, XXXX, XXXX ) : XXXX - XXXX XXXX XXXX PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX on all XXXX accounts with XXXX. 
CREDIT XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XX/XX/XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. I sent them letters again on XX/XX/XXXX ( This time all in XXXX envelope, tracking number XXXX XXXX XXXX XXXX XXXX ) and still have not received anything back from them. It has been more than XXXX days since my original letters sent. 

When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.
I got laid off from my job in late XX/XX/XXXX and immediately did whatever I could to find a new job. Pretty soon I was no longer able to make the payments on the mortgage. We contacted a state sponsored program for NJ Homesaver and just as we applied the program was changed and the church in XXXX XXXX NJ said they couldnt help us with that program. I eventually got another job in XX/XX/XXXX but that company couldnt make payroll as of XX/XX/XXXX and I was out of work again. I went looking again and even took a job outside my field and it eventually led to a good XXXX XXXX which I have had 30 years experience in. Then I contacted the bank about a modification. They sent us the modification application and now there was hope. Now that I finally had a stable job and the mortgage note was sold to Iberia Bank we had a chance. Also, both my wife and I were working full time, I also thought we had a solid shot as I worked full time and my wife was a XXXX XXXX XXXX XXXX. I called them and asked about my options and if they had a date for the sale yet on XX/XX/XXXX. They did tell us we must submit our XX/XX/XXXX return which was not finished yet. ( We had filed an extension ) When our accountant had taken longer than we expected to complete the tax return, we then called again to make sure there was not a date for the sale in XX/XX/XXXX and they said there was no sale date. As of today, we were not served with any paperwork from the court or Iberia Bank accept for the Lis Pendens which was sent to us XX/XX/XXXX. We then received paperwork from a lawyer saying we had to pay rent or vacate the premises. The letter was dated XX/XX/XXXX and the rent was due XX/XX/XXXX. The letter was postmarked XX/XX/XXXX. It also said our lease was terminated and we had to vacate the premises no later than XX/XX/XXXX. Then we were mailed a tenancy summons to appear in court on XX/XX/XXXX, as part of an eviction process. We were never formally served and had no idea any of this was going on until XX/XX/XXXX when we received the first letter from the lawyer. We were also told by a lawyer that we didnt use any postponements, which makes the case that we had no idea that any of this was going on. We never even had the opportunity to plead our case in front of a judge. Iberia made it seem as though we would be considered for a modification while all the while they were proceeding with the foreclosure behind our back. We just want a chance to keep our home!
I received an offer from Capital One for 0 % interest and 0 % Transfer fee. However as soon as I transferred the money over to them from. my other credit card they started charging me interest. I was never told this nor did it say anywhere in writing. So When I went and checked my balance they charged me {$3.00} and some change. I was upset over principal of not being told and I took the matter up with a supervisor. The supervisor said nothing she can do to remove the fee. All I can do is just pay of the card to stop it. So I asked her what the balance was on the card and she told me {$2200.00} so I paid {$2200.00} to be safe on XX/XX/XXXX. She told me I would be paid in full. Now a month later XX/XX/XXXX they send my statement and it showed {$4.00} when I called they told me it was {$4.00} so I asked what is the real amount they told me to pay {$4.00} so I again I asked to have it removed since I spoke to their supervisor that told me the payoff balance. They threw it back at me and told me I could have looked it up on their payoff calculator. I told them should I not trust your supervisor. They said yes you should so I said why would I doubt her. So again I asked to have the {$4.00} removed and she said no. So I just paid {$4.00} today XX/XX/XXXX. Capital One stole $ 7and some change from me today. Yes I know it is not a lot but I guarantee if you look into it they are doing it to all their customers and that {$7.00} x millions ads up! I wish to have my money returned and put Capital One on notice in public record what crooks they are. thanks and I look forward to your resolution.
I was overdrawn on my checking account and I deposited funds to cover yet still they will they will not release those funds even though I verified through the bank and the website that funds were cleared. They have no reason to hold this check. It is a corporate check. They are simply taking my money for themselves at this point and gaining interest on it as banks will do, procedure is all they can tell me. I have no income right now and that check would have made a huge difference in my life but Wells Fargo chose to ignore this fact. For purposes of my recon : check # XXXX has cleared through XXXX XXXX. XXXX also shows that the check has cleared and been paid. Somehow, Wells Fargo in this digital age has no clue. I find this hard to believe. My personal thought is they want to keep those funds, even if only for the 10 days they say is mandatory. Given their # of customers, it would add up to millions of money they are holding for themselves that they they should not be.
Attached, please find documentation for the following complaint against XXXX XXXX XXXX. Mr. XXXX XXXX has attempted to communicate with XXXX XXXX for almost 7 months over a mystery fee that they have added to his pay off demand. We have attached multiple payoff demands that he has received over the last 7 months. On some of the payoffs, a mystery fee of {$49000.00} is present while it is not on others. When questioned, XXXX has simply dismissed his requests for an explanation or to refer him to Appendix G of his loan documents ( I have attached appendix G here ). Appendix G is in regards to late payment, but in no way allows a mystery Maturity Fee to be added to the account. We believe this is simply an attempt of XXXX to commit fraud against Mr. XXXX. He has asked multiple times for an explanation and the response has been bogus at best. 

We would like XXXX XXXX to prove that they have the right to charge a 15 % on the gross unpaid principle balance in order for the borrower to pay the loan off or remove it from the payoff statement. 

CC : California Office of Attorney General
I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I have unauthorized credit inquires on my XXXX credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
This was submitted to CFPB on  XXXX / XXXX / 2017  case #  XXXX  and nothing was ever done with it. I am now 5 days from closing on a mortgage and will probably have to pay this account off to get mortgage. I am highly disappointed.     The compan y is Advanced Collections Bureau   XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Phone  XXXX  They are trying to collect for a security system account that I did not renew. I had a security system through  XXXX   XXXX  in  XXXX  Florida and when my  two  year contract was up I did not want to renew. I paid for the whole two years in full, when the contract was up they continued to bill me, I spoke with them and said I did not renew contract and to stop billing me as I had never used the security system. I eventually was contacted by Advanced Collections saying I owed {$1000.00}. I attempted to speak with them and resolve this and have had no success.     Account number  XXXX
XXXX XXXXXXXX XXXX ( XXXX ) claims I did not make my XX/XX/2018 payment and is reporting it late on my credit report. There was a XXXX dollar balance on that account and there was no payment due. So no payment was made for the XXXX because no payment was due. XXXX has blocked my online access to this billing statement and I can not get access. 
I requested online through the XXXX website XX/XX/2018 for a copy of this statement. Today XX/XX/2018 I called XXXX and made a verbal request for a copy of that statement. 
XX/XX/2018 billing statement for the period XX/XX/2018-XX/XX/2018 had a current due amount of {$31.00}. Plus a {$36.00} late charge for XX/XX/2018 which had a XXXX balance. I made a {$50.00} payment to XXXX on XX/XX/2018. XXXX has reported that my XXXX payment is delinquent to the credit all 3 credit agencies. 
Additionally I have made a {$200.00} payment to this account on XX/XX/2018. 
XXXX is reporting two months of delinquent credit card payments which is incorrect. If they would provide me with a copy of the XX/XX/2018 statement it would prove that they are in error but as of now XXXX has blocked my attempt to access this information. 
I am attaching a screen shot of my account statements showing the XX/XX/2018 is not available online for my access.
On X/XX/17 I filed bankruptcy. XXXX XXXX was sent the bankruptcy paperwork from my lawyer. XXXX still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. XXXX has exceeded the time limit to fix this on my credit report.
I had a mortgage with a local bank. The bank sold my mortgage to XXXX. XXXX in turn, sold my mortgage to Greentree who then sold my mortgage to DiTech. Since Greentree and DiTech squired my mortgage, I have accrued fees that are not applicable to me. DiTech sends numerous " invoices '' monthly with different amounts owed each time. I can not configure their amounts due nor can I figure out their billing strategy. As of XX/XX/XXXX my mortgage was to be XXXX. I send XXXX. This covers a late fee of XXXX. The remaining XXXX should be applied to my balance. It is not being applied to anything. My mortgage was to be XXXX until XX/XX/XXXX. This was not the case with DiTech. They started billing XXXX in XX/XX/XXXX. They then raised the payment to XXXX in XX/XX/XXXX. My estimation is that I owe nothing but my monthly mortgage to DiTech. I am not in arrears. My " funds in suspense '' should cover any and all late fees. Yet, they want to charge interest on my mortgage when all fees have been paid and then some. I can NEVER contact a manager. They call me all day long. I have blocked over 50 phone numbers. I want to call THEM and speak to a manager. They make it all but impossible to do that. Always transferring you to a voicemail. Was n't notified that my mortgage was being sold to a debt collection agency. I did not authorize nor would I approve of this action. Debt collection is for a debt that someone is n't paying. I 've paid my mortgage for 15 years, faithfully with a bump or two in the road and I always made good on possibly being late or missing a month. This all occurred many years  before DiTech. XXXX paid XX/XX/XXXX for years because my birthday is in XX/XX/XXXX. I have checks for all months that DiTech claims non payment.