WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a dispute with ERC in XX/XX/XXXX. XXXX # XXXX and ERC Ref # XXXX. In response to this dispute, ERC stated that letters beginning XX/XX/XXXX, they sent out two notifications for debt that were returned back to them due to an incorrect address. They stated that they sent notification two years later in XX/XX/XXXX ; however, I never received this noticed nor the right that I had to dispute the debt. I find it very shocking that a debt collector in a three year period would only send a total of 3 notices of debt and to notify me of my right to dispute. ( see attached letter from ERC ) It is hard for me to believe that ERC truly wanted to notify me of my right to dispute this debt or to validate the debt, given they only sent 3 notices. Which they acknowledge didn't go to the right address and the third I never received.
I am livid of the way Well Fargo has handle my loan. I summited a complete modification packet since XX/XX/2016. I when trough the re-entry team and when over my financials. Once I completed the review I was told my file will be summited to the under witer for review.. However Wells Fargo has stop the process recently becasue now they want all my documents to be notorized. Wells Fargo is not giving me an explanation or the reasons why?. Therefore I need to know what are the intentions Wells Fargo has. I am willing to work directly with my processor but I feel they are not willing to work with me instead they want to foreclose my home and prolonging my case. I am in desperate need of assistance I am tired of all the excuses I been given.
I paid debt in settlement offer XX/XX/2018. I'm currently in the final Escrow stages of my home loan and need proof of payment. I have seen reviews on this company and the are horrible. Consumers reporting harrasing calls, requesting payments after debt was paid, lack of reporting to credit reporting agencies. As precaution I have recorded my phone calls with USCB for my protection for dispute .By law a Company/ Debt collector has 7 days to provide proof of payment. I have hired XXXX XXXX as my lawyer if this issue can not be resolved within the time I have requested.
PayPal, without authorization from me, made a hard pull on my credit file this year, affecting a mortgage I am in the process of getting. It was for their PayPal Credit service. They denied any wrongdoing, told me I willingly accepted the terms, and after an investigation I demanded, told me that they found no wrong-doing and denied responsibility. They have canceled the account but the hard credit pull remains on my credit file.
This debt collector has called my family members not listed on the debt to discuss amounts/payment arrangements/when the last time the account was paid, etc. Private information was shared with someone not listed on the account in question. Repeated phone calls have come to my phone multiple times per day. In addition, this collector has contacted my work ( I 'm a school teacher ) and has called my classroom during school hours. Their tactics are increasing even though payment has been submitted via mail. They have been asked to stop, however, more calls have been received since.
Chase Bank I have 2 items that automatically charge my checking account monthly. One is always on or around the XXXX the 2nd one goes through every pay day. Usually if the 1st overdraws my account Chase doesnt charge a fee or will waive the fee. I have expressed numerous times to them to deny payment as the late charge imposed by the merchant is considerably less than the overdraft fee. Apparently Chase. .. a huge bank is unable to do so but seem ok charging me fees. The 2nd charge went through and my account was overdrawn. The company was supposed to charge a different card. I put the amount of the 2nd charge in my account and still charged overdraft fee they refuse to take off.
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

TD Bank / XXXX XXXX Date : XX/XX/2018
My tax return was seized for my deceased wifes debt. I took corrective actions on XX/XX/XXXX and as of XX/XX/XXXX I still have not received a refund from XXXX. I provided all the documentation that they needed in order to issue a refund and Ive called every two weeks to get the same response of youll have to wait we are over capacity of dealing out refunds it could take another 60 to 120 days to receive your refund Im sorry but I have no information for you at this time. Are things that Ive heard consistently. All im warning is to receive a refund.
I tried to make a payment on my student loan in the beginning ofXX/XX/XXXX. When I logged into my account with XXXX, a notice came up with " your loan has been transferred, please click here '' ( Please note that in the 15 years with XXXX, I never had an issue with them ). 

I clicked the link and it took me to Navient LLC. I had to register with them. I was given no other notice that they owned my loan. 

I consolidated my student loans in 2002, into one loan. Navient shows that I have two loans. Repeated requests to explain were met with, that 's just how we allocate loans. 

They do n't seem to understand the the definition of consolidate. I had two loans - then consolidated them into one loan. The purpose of this was to have one payment. Their own correspondence to me shows I now have two loans. How is this possible? 

They also can not produce the promissory note i signed when I consolidated my loans. How do I even know they own my loan and that I have to pay them. I believe they are running a scam to earn more interest.
Equifax Credit Reporting Agency denies releasing my credit report to banks when I apply for credit or sends a response back to them stating that my information does not match the records leading to denial of credit multiple times. I have contacted Equifax through physical mail multiple times to understand the issue but I get no response. I have checked my free credit report and there are no errors or issues reflected in that personally retrieved report. The only issue is that since I moved to the US after XX/XX/2011, the legally issued SSN to me is from a randomized pool chosesn by Social Security Administration and Equifax fails to recognize it as a legally issued SSN. Despite having a perfect credit history with never having missed a payment, I get denied for credit with the reason being that either Equifax did not release my credit file to the lender or issued a statement that my responses to a security quiz are false ( which they are not ). I seek CFPB help to ask Equifax to fix the credit reporting system it has and not raise false security alerts leading to multiple denials of credit to me as a consumer.
I opened a XXXX XXXX credit card with Bank of America in XXXX XXXX, which I 've never used. The card has a annual fee of {$20.00}. Between XXXX XXXX and XXXX XXXX I moved apartments, my official move in date was XXXX XXXX, XXXX. From XXXX XXXX XXXX Bank of America sent annual fee statements to the incorrect address. Finally, once I noticed the late payment on my credit report I contacted BOA and updated my address and immediately made a payment. I was originally told there should not be an issue getting this removed, but I 've made countless attempts to dispute this both through BOA and the credit bureaus to no avail. About 1-2 months ago I was told by a BOA representative that there was nothing they could do about this and I needed to directly contact each credit bureau. After speaking to a customer service rep at one of the credit bureaus I was notified that I should have never been directed to them and this is an issue that needs to be handled thru BOA. After several disputes, including one through XXXX which has an option to dispute via XXXX XXXX for statement sent to incorrect address please remove late payment, the only thing BOA continues to do is verify that the late payment is correct and no removal is made.
The company called my number today, XXXX XXXX, 2017, through one of their different trunk numbers and did not leave a message. Someone then called my husband 's telephone ( my husband is not listed on any of my bills except household ). They told him that they were not calling in reference to a debt and that it was for another issue. I called back the same number that called us and the woman who answered the phone stated that they " litigate '' for different companies. When I XXXX the company, they are listed as a company that buys debts from payday loans, etc. then tries to collect. 

I spoke to someone from this company some time ago and requested that they present me with documentation from the debt I supposedly owed, to which the girl stated that she had all of my information in front of her and would not provide anything in writing to verify the outstanding debt. She continued to press me to set a payment arrangement, to which I continued to ask for written proof of the debt. 

This is my second report on this company. 

They also would not give an address where written documentation can be sent.
TransUnion reports a 30 day late on my credit report that I challenged over 60 days ago. The creditor, XXXX, shows no late payments ever on my account and they do not report to TransUnion. It is for a car loan I had since XX/XX/XXXX and no late payments were ever made. When I brought I to TransUnion telephonically they reported that they would verify it. Today, they 've done nothing. Reported late in XX/XX/XXXX. Will not comply with law.
On XX/XX/XXXX I closed on a home in XXXX XXXX. My mortgage was purchased by Fifth Third Bank in XX/XX/XXXX. Included in the closing costs was escrowed homeowners insurance of {$1600.00} to be paid to XXXX XXXX XXXX.
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I received and email from XXXX on XX/XX/XXXX stating the premium had not been paid. When I called them, they assured me my coverage was valid for at least 30 days while awaiting escrow payment.
I received another email from XXXX on XX/XX/XXXX stating the insurance premium had not been paid. I contacted Fifth Third Bank and was assured the payment would be mailed overnight to XXXX the next day.
I received yet another email from XXXX on XX/XX/XXXX stating my coverage was due to be terminated if payment was not received by XX/XX/XXXX. <P/> On XX/XX/XXXX I began making calls to both XXXX XXXX XXXX and Fifth Third Bank. Each time I called XXXX, the representative contacted Fifth Third and received assurance the payment would be overnighted the next day.
After each call to XXXX, I contacted Fifth Third on my own.
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XX/XX/XXXX - XXXX in Customer Service - checked the system and saw the request for escrow payment, instructed me to call XXXX the following Wednesday ( XX/XX/XXXX ) to confirm payment was received.
XX/XX/XXXX - Checked my account at XXXX, no payment credited. Called Fifth Third Insurance Dept and spoke with XXXX. Both assured me the payment would be escalated and to call the following day to check. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. Escrow had not been sent yet. Spoke with XXXX. She informed me the escrow should go out the night of XX/XX/XXXX. Call to check the following day to verify. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. The payment was NOT sent on XX/XX/XXXX, and is scheduled to go out XX/XX/XXXX overnight. I asked to speak with a supervisor and was first told the supervisor was helping another customer, so I agreed to hold. After 10 minutes, I was told the supervisor was called into a meeting. I insisted I needed to speak with someone who could make a decision about my escrow and was put on hold again. I was eventually transferred to XXXX, a Team Lead, who explained the payment was scheduled to be overnighted on XX/XX/XXXX  and there was nothing else he could do to arrange for an immediate payment.
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At this point, my homeowners insurance is scheduled to be terminated tomorrow, XX/XX/XXXX. I am absolutely enraged about this situation and do n't know what to do other than pay the premium out of my own pocket and wait ( hope ) for a refund.
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I will attempt to contact Fifth Third and opt out of escrow for homeowners insurance. However, I have made 3 payments which include an escrowed amount and may have difficulty having this refunded to me. I have already spoken with XXXX XXXX XXXX about paying them directly beginning next year.
<P/> XXXX XXXX XXXX has been nothing but helpful.
I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - XXXX XXXX  ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Card ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.
I SENT CERTIFIED LETTER IN REGARD TO IDENTITY THEFT ASKING THEM TO REMOVE THESES FRAUDULENT ACCOUNTS AND INQUIRIES IMMEDIATELY
Midland Funding , LLC has been attempting to collect a debt as a collection agency. They have altered the date of 1st delinquency to continue to keep this collection on my credit report beyond the 7 years. I worked at XXXX when the mortgage meltdown happened, so I know pretty clearly the first date of delinquency coincides with me losing my job, them going out of business and me instantly not having any income. XXXX stopped doing mortgage loans in XXXX, and it 's parent company XXXX XXXX was taken over by XXXX XXXX in XXXX. They continue to report my first date of delinquency as XXXX. This is impossible. With no source of income, I cashed in all my retirement to keep lights on and food on the table, roof over our head. I had to stop paying all credit card debt. This is the only one that continues to harrass me with threatening phone calls STILL, after I wrote them a letter that they need to remove this from my credit report since the 7 years had passed. I know based on their " made up '' date of delinquency it will drop XXXX, but I do n't think it 's fair they have continued to plague my credit I am trying so hard to rebuild and make horrible threatening phone calls that there is a complaint against me and they will be serving me at my place of employment. This is after I have provided written notification to them that this debt must be removed pursuant to the Fair Credit Reporting Act.
XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of FTCA I have also asked that my inaccurate information be corrected and has failed to do so Please help me.
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. During a further investigation of these accounts, they are the same accounts, brought and sold, reopened and reporting twice. Theyve be on my account for several years, having taken out some loans while attending XXXX XXXX University I new Id have some student loan debt after I lost my athletic scholarship, but none to this magnitude. They are set to be remove in the fall of XXXX, so Ive been suffering from this long enough, Ive at the point in my life where my credit is important, I have a family and secure employment, Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from XXXX until now. A previous dispute for the consolidated account and total for this listed below has already been removed, switch should be more than enough proof of the fraudulency and inaccuracies. Several hard inquires were made under my name which could have stemmed from a relative of mine, who has had my information since I was living with him while in high school and he claimed me as a dependent on his taxes, hes denies any wrong doing, my information was also breach in the XXXX leak as well, and Ive lost a wallet with several of my personal information such as ID, BANK CARD, and my original SSN was in there.
I am disputing comments/remarks posted on my XXXX Bureau Credit Reports. The negative comments include a foreclosure which should be permanently removed. I have attached the Case XXXX, Attorneys, Parties, Deadlines/Hearings and Docket Entries. I have also included the settlement agreement and release from property XXXX XXXX XXXX, XXXX, Texas,XXXX. According to the Scheduling Order dated XXXX XXXX, XXXX, this case was settled and closed. There was never a foreclosure, however, the loan was transferred to XXXX XXXX XXXX XXXX dated XXXX XXXX after an agreed settlement. According to the Federal Court Scheduling Order dated XXXX XXXX, XXXX, this case was Settled by the Bank of America NA, myself, and XXXX XXXX XXXX XXXX XXXX XXXX. As part of the settlement, I entered into a Cooperative Program offered by the Department of Treasury & Housing Urban Development Agency called ( Cash for Keys ). This agreement with the court entitled me to forego foreclosure proceedings, avoid eviction, and my house not being sold at a public auction. Based upon the settlement agreement I was awarded {$10000.00} and I qualified for financial assistance to help with my relocation costs. Finally, agreeing to the settlement, Bank of America was required to report that my loan was paid in full for less than the full balance. Bank of America sold this home on XXXX XXXX, XXXX, file number XXXX, loan number XXXX. XXXX XXXX XXXX XXXX sent me a XXXX and removed the remarks on XXXX XXXX, XXXX, stating this account was charged off repossessed. XXXX XXXX, XXXX, Bank of America placed a FORECLOSURE on my credit report. Finally, XXXX XXXX, XXXX, this case Ordered by the Federal District Court for the XXXX District of Texas, XXXX, be dismissed with prejudice. " THERE WAS NEVER A FORECLOSURE AND IT SHOULD BE REMOVED FROM ALL MY CREDIT REPORTING RECORDS.
I have a student loan through Navient. This company refuses to send payment coupons because they fraud their consumers and can collect more late fees. 
I mailed my XX/XX/XXXX payment. It was check number XXXX. It clear my bank on XX/XX/XXXX. 
I have uploaded three different bank statements to my Navient account. The third upload of proof of payment was on XX/XX/XXXX. 
On XXXX I spoke with XXXX ( XXXX ). She told me that my payment was located and that it would credited to my account that day. It still has not happened. 
The company started calling me and my husband about 4 times a day. We both spoke with them multiple times. 
On XX/XX/XXXX I spoke with XXXX. On XX/XX/XXXX I spoke with XXXX ( XXXX ). Both XXXX and XXXX told me my account would be corrected.

Today, XX/XX/18, I have received THREE emails from this company attempting to collect debt. 
I called again today. I spoke with XXXX ( XXXX ). She told me that transferred of my money to my account has not yet been approved. They took my money on XX/XX/XXXX and nearly one month later, despite hours on the phone, I STILL can not get an employee to fix my account.
I found out about late payments on my loans ' histories, and called to challenge their legitimacy. I spoke with a woman named " XXXX '' ( ID XXXX ) from Fedloan Customer Service, who advised me to file a Credit Dispute Form. I faxed this form directly to Fedloan, and uploaded an additional Goodwill Adjustment request online. Essentially, I pursued both formal, and informal, requests for Fedloan to " hear me out '', as I did not believe they failed to provide any proper notice. " XXXX '' reviewed my account and disclosed the address that one letter, over the lifetime of my 20+ late payments, was not listed. In addition, the email address was invalid, and no records of a phone call existed in regards to the late status of my account. 

Later in this complaint I will attach the PDFs of both the Dispute Form, and the Goodwill Request, the latter of which contains the record of my XXXX Credit Report to verify the listing of the late accounts. These were submitted on XX/XX/2017, and I have not received any contact, via email, phone, or letter in regards to these claims. With this being day 31 since the dispute was filed, I would like to report Fedloan 's inaction to the CFPB.
After looking up our escrow analysis performed by Nationstar on XXXX XXXX, XXXX, we noticed a refund due to us in the amount of {$1700.00}. 
The escrow refund check is dated XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX Called Nationstar to request check. Spoke with XXXX, she sent request and we were told we would receive check by mail. XXXX confirmed mailing address. 

XXXX/XXXX/XXXX Called Nationstar to request check. Spoke with XXXX, she apologized that previous representative did not put in request for check. They will research if check has been cashed and send out a new one to us by mail. XXXX apologized that nothing had been taken care of and confirmed the mailing address. 

XXXX/XXXX/XXXX Called Nationstar, spoke with XXXX, she saw our calls logged in our account on the computer on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. She will research if the check was sent to us and assured us it would be taken care of. 

XXXX/XXXX/XXXX Called Nationstar, spoke with Sue in the XXXX escrow office, she noticed on the computer that the check was not entered back into our account. She updated the system and she assured us we would be receiving check in XXXX business days. 

XXXX/XXXX/XXXX Called Nationstar, spoke with XXXX, he looked for check in computer. He said he would put a research request out to see what happened to the check. We said, " NO, that 's not good enough, we need someone that can help us now, this is the 5th time someone has put in a 'research request ' ''! XXXX said, " Ok, hold on ''. 
Supervisor XXXX came to the line and offered to direct deposit our check. 
XXXX instructed us to include our loan # and send a voided personal check to : XXXXXXXXXXXX We let XXXX know that we have been dealing with Nationstar 's criminal activity for over 6 YEARS now and that he could look at our account and see all that has happened. 
XXXX apologized that we have a bad taste in our mouth with Nationstar. 
Emailed voided personal check including loan # to XXXX on XXXX/XXXX/XXXX. 

Due to a family emergency in XXXX, we were unable to follow up. 

We received a letter from Nationstar dated XXXX XXXX, XXXX that our insurance had expired. We called immediately and left voicemail that all of the information was the same as last year that they have on file. 

XXXX/XXXX/XXXX Called Nationstar, spoke with XXXX, she said that they called our insurance company and left a message requesting updated insurance information. 
We replied that this was not good enough, it is Nationstar 's job to pay the insurance bill from our escrow account. 
We asked XXXX to call our insurance company while we were on the line. 
XXXX spoke with XXXX at our insurance co. and XXXX said she would overnight our insurance payment. While I was on the line I confirmed all information the same and updated between Nationstar and home insurance. 

We confirmed insurance was paid by Nationstar from our escrow account. 

XXXX/XXXX/XXXX We have still not received refund from escrow account due to us.
We filed a compliant with CFPB re Bayview Loan, they responded to the compliant with a letter and a phone number to contact them, but after trying for 8 days a couple times a day the phone number does not work. That is a great idea, just never have a working phone number so no one can call and bother you ... ... ..