WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion 's recent breach of contract should entitle us to freeze our credit for free. I can not believe they are trying to sell us their products and services when they clearly are legally and morally at fault for this. Credit freezes in this event should be free of charge.
I lost my job and had to stop paying my monthly payments in XX/XX/2016. I called Discover card today to try and settle my account. I spoke with XXXX from Discover card who after me opening up and explaining a very personal situation he began to judge me and basically school me like a child regarding my account. I felt very insulted at the way he was talking to me when I was the one who called them to try and settle the account. He began to assume the reason why I stopped payment and was not listening to the real reason why. I have been with Discover card for 16 years and have never stopped paying the account. I wanted to settle my account but he was trying to shame me as to why I hadnt paid.
The Public Record that reflects on my credit history has been resolved with the XXXX.But It still shows me having a tax lien.I Had a payment Plan Set Up with The XXXX and Im just about nearing the payoff date.I do have records of these payments made and the current balance.
After discussing how much i make and how much I spend on bills. It was determined that i can still make the payment to them and be left with {$30.00}. Getting paid bi weekly. That is unfair and it 's unrealistic.
I am still waiting for CAPITAL ONE 360, to return funds, that are still in my closed checking account, to the original sender. I have made 2 complaints, with the bank responding that they will return the funds. That has not been done. I believe that there will be no satisfying response from the bank as to why it has not been done, yet. I do not want another letter, saying that they will be returning the funds, just return the funds!
my disputed bill with att phone compagny was paid in amount of XXXX $ but the collection company added another amount that i am not aware about and now it showing in my credit report as a negative itemes
keeps calling my job and harassing me at work on a debt that is over 15 years old
My wife and I came on some hard financial times right at the start of 2010 when she got XXXX. I work from home as a XXXX. We were able to keep both the XXXX and XXXX mortgage payments up while she was collecting unemployment. Once the unemployment ran out we started having serious trouble making XXXX the XXXX and XXXX mortgage payments and fell behind. 

We turned to the North Carolina Foreclosure Prevention Fund and were approved for their program. The NCFPF then made good our back payments for both mortgages and continued to make payments for a little over a year until our maximum had been reached. 

By the time the NCFPF ran out my wife got XXXX, and while they are a true blessing it did n't help improve our continuing financial issues. 

We again got behind on both the XXXX and XXXX mortgages. By this time wife has found gainful employment full time ( 30 hours a week ) with a local bookkeeper. However it took all of our income just to keep the lights on, heat, groceries, car insurance and all the other necessities of daily life and left little to no extra money for the mortgages. 

We then turned to our local HUD approved agency for assistance with a HAMP modification. The HUD agency is the XXXX XXXX XXXX XXXX XXXX. We also sought the assistance of another legal agency, the XXXX XXXX XXXX XXXX that provides us with a free attorney. 

The attorney proved to be very helpful since the XXXX mortgage company has been trying to foreclose on our home for almost a year and we have been to court more than XXXX times, each time resulting in a postponement while we were working through the HAMP process with XXXX. 

We successfully completed the HAMP process with our XXXX mortgage company and are over XXXX payments into that modification with them. And this is where we start to have an issue. 

We were told throughout this entire process by our XXXX mortgage company and our HUD rep that once we were approved for the HAMP with our XXXX mortgage company we would automatically be approved for a 2MP with our XXXX mortgage company. The loss mitigation rep at my XXXX mortgage company called late last week and informed us that after their " in house '' review for mortgage modification that we did not qualify. 

Needless to say I was perplexed as to why this was in " in house '' review and not under the HAMP law. He did n't really have a good answer as to why we were not eligible under HAMP just that we did n't qualify for HAMP with them, even though all along were led to believe that a XXXX was automatic once the XXXX mortgage company approved us for HAMP. 

After calling my HUD rep at XXXX she was able to find out that because our HAMP mod with the XXXX was an FHA HAMP we did n't qualify for an automatic XXXX approval. This is something that my HUD rep was also not aware of for this entire process. 

So now I am filing this complaint on the advice of my HUD rep hoping that I can get some kind of positive resolution to this XXXX mortgage modification issue. This matter is further complicated due to the fact that we have another court date scheduled for XXXX XXXX and the court has a sale date for my property already on the books.
In 2012, Ocwen Loan Servicing cozied up with shady XXXX   XXXX  who scrambled and then obtained the phony XXXX file that was sitting on top of the pretender lender loan servicers criminal CEOs desk that is stuffed with fabricated documents, forgery and fraud, manufacturered force place insurance policies, false principal balance, false payment history, void assignment, manufacturered note, and lots of other fraud and then started slandering my title again and again to embezzle. Shady Ocwen was using and adding false information, false balances, false dates, false payment amount, false bankruptcy information and other false information to all three major credit reporting agencies, XXXX, XXXX and XXXX. Ocwen Loan Servicing intentionally done these quiet crimes for years and intentionally failed to respond to my many letters and complaints regarding credit reporting intentional fraud errors for many years causing me exteme harm. I have most of my credit reports that will be given to the court. Fraudulent Ocwen shady employee XXXX XXXX who is assisting her white collar crime operation with embezzlement intentionally removed Ocwen incorrect information from my credit report to sweep another white collar crime under the fraudulent CEOs desk. Never would of thought that Ocwen could brainwash a young new lawyer to assist pretender lender loan services with fraud criminal white collar crime embezzlement. This complaint is evidence that I have spoken with the City of XXXX Mayor who forwarded my matter to the sheriffs. Crooked pretender lender loan servicers and lawyers who tweak up the laws to hide from crimes they commit are the ones who always fail with thousands of open lawsuits. This is what incompetent crime bal people do!
On XXXX XXXX 2017 I received a letter from Northstar Location Services , LLC, about a debt they were trying to collect in the amount of {$32000.00}. On XX/XX/XXXX I sent them a letter requesting them to, among other things, establish their ownership of the debt, verification of the debt, and information about their authority to collect the debt. This letter was sent via USPS certified mail, and received in their office XX/XX/XXXX.
On XX/XX/XXXX I received a series of account statements, which appeared to be in my name, for a debt I do not recognize. There was no information about their ownership of the debt, their authority to collect the debt, the status of their debt collection license ( if any ), etc. All of this information, and more, had been requested in my original letter, as well as my assertion the debt was disputed. To date, this company has failed to provide any of this information.
They have, however, began to call my elderly mother, and presumably other people, despite the fact they are clearly able to communicate with me via mail, and despite my written request that they do in fact communicate with me by mail. There is no reason for them to be contacting others in an attempt to " locate '' me.
As a result I believe this firm to be in clear violation of the Fair Debt Collection Practices Act. They have failed to verify the debt, their authority to collect this debt, and their ownership thereof. And finally, they are needlessly contacting third-parties to " obtain location information '' when we are already in written correspondence, a tactic which seems closer to harassment of my family than a good-faith effort to find me.
I have attached my written response to their original letter.
Thank you for your attention to this matter.
I have proof that Navient has victimized me and most likely others. Please see attached as proof. I was able to print screen what they are trying to do to me and others. If they do this to all of, their clients thinking a client will miss such a small difference, they are raking in millions of dollars. While I was on the call questioning them raising my payment/forbearance without my consent, miraculously put me on hold and kicked me out of the system. Too bad for them I already had screen shot everything. Please see attached. This is egregious behavior. Talked to Navient and requested info on XX/XX/18 at XXXX XXXX  for 40 minutes 20 secs. To find out why my due date was pushed back a month without authorization from me, and asked why my payment increased. They answered that company policy is that they are giving an extra month of forbearance as a courtesy without authorization. I interrupted and said I didnt request another forbearance. Rudely representative stated sir, you are not listening, I just told you this was a courtesy. I explained by doing that, they increased my interest and increased my payment {$9.00} a month as well as my balance. Requested information in writing on why they increased my payment. I was told I will receive by XX/XX/XXXX and dont make payment until then. I asked what is my actual payment right now. Representative stated new higher payment. I have screen shots in two different sections of my account summary as proof. Questioned them, put me on hold, then all of a sudden information disappeared. Fortunately I screen shot before.
My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
XXXX XXXX XXXX XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.
On XX/XX/2018 I sent letters of dispute under section 623 of the  FCRA to the companies listed below. The companies had previously " verified '' the validity of these accounts to the credit reporting agencies, and the items remained on my credit report. Section 623 gives consumers the right to dispute inaccurate information on their credit reports directly to the data furnishers, after disputing directly with the credit reporting agencies. All of the companies listed below did not respond to my disputes within the allotted 30 day period per the law. The accounts must now be deleted per the FCRA. As a refresher section 623 of the FCRA states in part the following : " DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' It goes on to say " ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report  the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and '' The companies below have failed to follow the law as written. If these accounts are not deleted I will be forced to seek legal remedy under the FCRA. 

The companies in question are the following : XXXX XXXX : Partial Account # XXXX XXXX XXXX XXXX : Partial Account # XXXX XXXX XXXX : Partial Account # XXXX Attachments : Letters sent to each company Tracking information Proof of signature from each company
I was misguided by a Navient account representative on repayment options for my student loan.
Call from XXXX XXXX XXXX XXXX XXXX XXXX seeking XXXX XXXX. XXXX purchased bad debt or bad contact information from Northland Group. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.
On XXXX I received notification that a new collection account from PROCOLLECT , INC for {$550.00} was placed on my XXXX and XXXX  credit file for an alleged debt to XXXX XXXX. I have no knowledge of this account or alleged debt. I never receiving a dunning notice from Procollect Inc informing me of the debt and that they were in possession of this debt. 

On XXXX I disputed the debt with XXXX and XXXX  and that the account is not mines and I have no knowledge of this account. I also explained to XXXX and XXXX that I never received a dunning notice from Procollect and that this account needs to be deleted from my credit file. 

On XXXX I sent a debt validation letter to Procollect , Inc. 

On XXXX I received notification from XXXX that the account was verified and will remain on my account. XXXX has not been able to produce to me what was verified and by whom. No updated from XXXX has been received, however the account still remains on my credit file.
I get a call at XXXX  from Dynamic Recovery Solutions. They hang up, I call them back. Get the automated voice saying that they are Dynamic Recovery Solutions and to hold for the next available agent. Before they had time to say much of anything I informed them it was 8am ( work nights ) in the morning and that I'm reporting them. They asked what the last 4 digits of my SS # are, I hung up. Their number is XXXX. I don't have any debt now. I have an excellent credit score and there are numerous complaints about this company 's tactics. This has to stop. This is harrassment.
Number called my cell phone the number was XXXX, they said i had outstanding debt, which i do not, they said i could pay this debt online, i went to XXXX and the first page comes up with a description of what accepting yes means. Problems is before clicking yes, you are given no information on the debt how much of the debt or what type of debt it is. They are asking me to take ownership of debit which is not mine, this is so wrong on so many levels. Check it out. go to the site and put in your full phone number and zip code and i bet you have the same debt as well.
I was added as an authorized user to a credit card without my consent. The card holder is my father, and he has my social security number. We are no longer in contact and I do not know how to reach him as we are estranged. I continue to receive negative ratings on my credit report due to his high balances and late payments. This is affecting my credit rating. I contacted the Citibank customer service sometime last year and they stated that they were unable to remove me as an authorized user, and that I had to contact the cardholder to do so. 
The credit card is reported on my credit report as, " CITIBANK CBNA/XXXX  '' and the source is reported as, " XXXX. '' The address of the card company is reported as, " XXXX XXXX XXXX, XXXX XXXX, SD XXXX. '' Any help with this matter is much appreciated!
the collector contacted my HR department, left a voice mail ( which I still have ) saying they were a " remediation specialist '' and that I was " chronic '' on not repaying my loans and did NOT leave a message as to the name of the agency she was with. Only that her name was XXXX XXXX, Ext XXXX and the number XXXX. When I called the number back just a few minutes later I was told that she had left early for the day and that they were trying to collect the debt for Check into Cash. This caused my HR department to call me into the office and ask about this issue.
I have tried to file a dispute online and equifax wont allow me to login. Says my information doesnt match yet its the same info Ive had for years .... I also tried to pull my free credit report from Equifax and they will not comply either. Equifax has now shut me out from viewing my report and from filing a dispute for erronoues items on my credit report. Equifax has also failed to automatically send a written copy to my known address.
I was on a Citi Card as an authorized user ( cardholder not financially responsible in any way ) and the account went bad and they are reporting the bad account on my credit illegally. I am not a guarantor. See attached credit report page.
Back in 2009, I became a victim of identity theft. My fathers ex girlfriend stole my wallet that contained my drivers license, social security card and credit cards. 

The case is still ongoing and open. Theres an active warrant out for her arrest. 

Ive reached out to the creditors who opened the fradulent accounts and most were removed. I work a full time job, and have a family to care for, so this has been a time consuming burden on me. 

I sent debt validation letters to synchrony about the fradulent XXXX account and was told it was sold to Portfolio Recovery, I was informed by Portfolio Recovery that the debt was paid.
In XXXX 2016 I was departing the country fro two months and paid my XXXX and XXXX mortgage in advance and asked for auto pay to be removed. In XXXX the Bank of America attempted to collect the XXXX payment an increased rate of {$2600.00}, as the fund were not available I was charged overdraft fee. 
The mortgage department then blocked me from paying the mortgage, because of a late payment. There was no late payment as it was a attempt to collect the mortgage two month in advance. 

On Friday the XXXX of XXXX I received the letter saying they refused the payment of XXXX mortgage by direct transfer. I had to pay by certified check. 
I explained that I had just come out of hospital and could not drive, the bank employees said they would not make a change so that I could pay on line nor could I pay in cash even if I went to the bank. 
I have been discriminated against and not given fair and equal access to my account both the mortgage account and current account are in my name and the Mortgage department blocked payments. 
In desperation I called my daughter who drove me to the bank to make the transfer. 

When I called the mortgage department back they said they may return the payment. 
The supervisors failed to call me back failed to put me in touch with the resolutions department. Failed to provide their names, threatened to foreclose on my house. 
This was extreme discrimination against an elderly XXXX person, I fully informed them of the XXXX and still was forced to travel XXXX miles to the nearest branch to resolve the issue. This was XXXX. 

Durung the past several years I have had numerous complaint on enforced insurance when I held insurance. Overcharging of insurance when they enforced insurance, failure to return funds. The mortgage rate is charged at 6.25 % the bank refuse to change this due to dramatic changes in circumstances, I am being forced to sell the house due to the XXXX, overcharging and general harassment by the Bank of America Mortgage and Insurance department.
the lender is in violation of RESPA and Dual tracking guidelines - the clients file is with the underwriters and was deemed a complete package as of XX/XX/2017 and the lender is still proceeding with an active sale date of XX/XX/2017 - this sale date if the client is denied for a mod within the next 30 days does not allow the proper time frame needed to submit an appeal on the clients behalf.
I am trying to obtain a legible copy of a check cashed against my mother 's account on or about the day she passed away. I am an executor of her estate. There is a {$5000.00} discrepancy in the balance and I have not been able to obtain a legible copy of the back of the check. I have a copy of XXXX sides from the bank but only the front is legible. The back is too blurry to read. I will attach a copy for your review. I have contacted my mother 's bank and they state that sometimes " that 's the way the check copies are, and they do not know where the original can be found ''.
XXXX or XXXX different employees at the Check N Go loan store have been informed by my supervisor that I can not accept personal phone calls at work but they continue to call several times a day.
Advised creditor to cease calling on XX/XX/XXXX, after prior phone calls requests
Three days prior to closing on a real estate purchase, I received an email from whom appeared to be my closing coordinator informing me that there had been a change to the closing instruction. In the email, the scammer advised me to send the closing money to a bank account at XXXX. After verifying a few details over the email, I did wire the money from my own account at Bank of America. A couple of hours later and I realized this had been a mistake. I immediately contacted Bank of America and issued a recall request. I then contacted local police and filed a police report. I also called XXXX fraud hotline and reported this scam. The representative at XXXX suggested me to stop by a local XXXX branch office. I did and worked with a branch manager who immediately put the suspected account on a hard hold. After a couple of days following up with both Bank of America and XXXX bank, I now know that XXXX has a hold on the money but a portion had been withdrawn. Additionally, XXXX was willing to release the money back to Bank of America but it requires a " Hold Harmless Agreement '' that is signed by the VP of the Wire Department at Bank of America. However a Bank of America representative has refused to do so citing that this would transfer the legal liability from XXXX to Bank of America. 
I 'd like to file the complaint against XXXX bank for not able to accept a " Hold Harmless Agreement '' from me or not able to release the money back to me directly despite that I have proof beyond of doubts that the money was mistakenly transferred from my account at Bank of America.
My report showed XXXX  XXXX-XXXX  XXXX XXXX thats incorrect..
after reviewing my credit report i saw that this creditor have leading and false information on my credit report, XXXX XXXX in the amount of {$10000.00},