WillisBack/dataset-financial-user-claim huggingface dataset:
Hello my name is XXXX XXXX. I applied for my credit report on line from Annual Credit Report.com. I filled out all of the information sheets. XXXX and Trans Union wanted a questionnaire filled out of personal info I should known. I filed the form out and XXXX refused to give me my on line report XXXX wanted me to write in for the report. I fill they are discriminating and would like to file charges. Please follow up so I 'll know what to do how to file.
US Bank issued XXXX credit cards to my business. Each card had a separate statement, balance, credit line, reward program. After a few months the cards were XXXX declined. Paper statements and online banking XXXX showed in excess of {$15000.00} credit available between the XXXX cards. The bank asserted that the total corporate credit was {$16000.00} and the balance was maxed out. Multiple bank employees looked at the account and reported that there should be plenty of credit still available. After calling around they then returned to say that there was only {$16000.00} credit total rather than {$16000.00} per card. 
In the process of applying for the cards, the business also applied for a line of credit through US Bank. Under the advisement of the business banker we requested {$25000.00}. It was denied because we had too much credit with US Bank. We were advised that as long as we were under {$50000.00} we should qualify for the loan.
I am the victim of fraudulent activity on my credit. I am in the processes of reviewing all of my accounts and have notify all XXXX creditors. My credit status has been and is currently under a fraud alert. I made a written request to Barclaycard 's on XXXX/XXXX/15 asking how to submit an FTC Fraud Affidavit. I am also requesting information of what is needed to process that request. IE A copy of Barclaycard 's written policies and procedures informing consumers how to request application information and business transactions records about consumers transactions alleged as the result of identity theft, as per the Fair and Accurate Credit Transactions Act ( FACTA ) I have received no response to my request. My letter was sent certified mail on XXXX/XXXX/15.
On XXXX XXXX, 2017 Equifax exposed my sensitive financial information via a data breach on their servers. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, Equifax said. Upon learning of the breach i used Equifax 's own website www.equifaxsecurity2017.com to verify I was a victim.
Step 1 : What is this complaint about?
This week Equifax announced the massive data breach. Using their site they confirmed that my information was compromised.
Step 2 : What type of problem are you having?
My social security number and other credit information was improperly handled.
Step 3 : What happened?
Equifax was hacked and my information was leaked.
Step 4 : What company is this complaint about?
Equifax Step 5 : Who are the people involved?
143 million people
The mortgage lender, Pennymac Loan Services LLC has taken the following steps to ensure that they can file for foreclosure against me:1. They paid past due taxes on the property, to open up an escrow account and increase my mortgage. This was unnecessary, as the home was not under any tax lien, nor in danger of any tax liens with the city of XXXX, NJ. I was making payments quarterly to the city of XXXX. The city was aware that I was behind the taxes and only required me to pay a certain amount before the end of the year, to stay out of danger of a tax lien. I was ready to pay the requested tax amount to the city of XXXX, but the mortgage company intervened, requesting the past due tax in full or no payment at all. 

2. After paying the tax bill, that they did not need to pay, the lender opened an Escrow account, to cover the taxes. The lender subsequently increased my mortgage payments from {$1600.00} to {$3200.00} per month. 

3. The lender made the payment on the taxes on XXXX/XXXX/XX/XX/XXXX, but retroactively increased the past due mortgage payment for the month of XXXX/XXXXXX/XX/XXXX from {$1600.00} to {$3200.00} and retroactively increased the past due mortgage payment for the month of XXXX/XXXXXX/XX/XXXX from {$1600.00} to {$3200.00}. How can the mortgage owed for the month of XXXX/XXXX/XX/XX/XXXX and XXXX/XXXX/XX/XX/XXXX increase when the Escrow account was opened after these dates? What is to prevent the lender from retroactively increasing the mortgage payments for all the months of the entire year of XX/XX/XXXX or previous years? 

4. The payment that I sent to cover the XXXX/XXXX/XX/XX/XXXX and XXXX/XXXXXX/XX/XXXX was only applied to XXXX/XXXXXX/XX/XXXX. The mortgage lender increased the past due amount of XXXX/XXXX/XX/XX/XXXX from {$1600.00} to {$3200.00}, after I sent my payment. I did not sent enough to cover the new past due amount for XXXX/XXXXXX/XX/XXXX. Instead of applying a partial payment to XXXX/XXXX/XX/XX/XXXX the mortgage lender applied all the money left from my payment to the Escrow account, without my knowledge. By doing this the lender put me over XXXX days delinquent on the loan. 

5. It is now XXXX XXXX, XX/XX/XXXX and I have not received my statement for the month of XXXX XX/XX/XXXX The lender does not send mortgage statements in a timely manner. I fear if I make a payment for the incorrect amount, it will be applied to the Escrow account, instead of the mortgage, which will place me further behind on my mortgage payments. 

6. I am a XXXX, female, senior citizen and I believe the mortgage lender is targeting me because I am in a vulnerable position and I can not afford to defend myself against their predatory methods.
My name is XXXX XXXX and my life has been turned upside down by Stuart Lippman and Associates. This collection agency is bottom of the barrel and will go to any step to XXXX you off to try to get paid monies that arent even owed. 



Approximately almost two years ago I saw something pop up on my credit report from Stuart Lippman and I contacted them to show me proof of what I could possibly owe them. I am very diligent when it comes to my credit, so I was shocked to see a blemish on my report. Stuart has not been able to come up with ANY information showing that I owe them anything. The only thing that they sent me was an independent contractor agreement and an XXXX document with a name of XXXX XXXX, and I have no idea who this person is. They have no proof of anything owed in my name and refuse to stop the collection process. This company robo dials me all hours of the day and has been harassing me nonstop. 



After pain staking work, I was able to get the account off my credit via each of the 3 bureaus and I thought all this was behind me. However, recently I saw that they changed the account number and double the amount they are collecting and have put it back on all 3 bureaus without my knowledge or consent. Needless to say, I hit the roof as you could imagine as this slimy no good collection agency should be shut down for ruining peoples lives when they have no proof and are operating above the law. 



In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( ii ), you are required to notify me with the reinsertion in writing within 5 business days. ( B ) Requirements relating to the reinsertion of previously deleted material ( ii ) Notice to consumer if any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notifications and they have no proof to show notification. This is a HUGE VIOLATION of the FCRA and I reserve the right to pursue legal action for their blatant and outright disregard for the law. 



This company thinks that they can operate above the law and as I see with the hundreds of complaints about this company, something needs to be done to shut them down and make they operate lawfully. They use scare tactics, robo dialers and hire unethical dangerous thugs to try to collect money that isnt owed. Please have Stuart Lippman remove the account they have on file for XXXX XXXX from all credit agencies immediately. Thanks in advance for your help.
I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given themMy Name has also been used fraudulently as XXXX XXXX but my name is XXXX XXXX SS # XXXX date of birth XX/XX/XXXX
XXXX XXXX  and Experian remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with XXXX
This one advantage, llc trying to collect debt from XXXX/XXXX/2007 If this pertains to school loans and all my loans where consolidate and are in forbearance so I do not owe what they are trying to collect. If this is from XXXX they lied about there programs and rushed me to start before I was ready and before they had all my transcripts to make sure I was able to start program selected and that it would lead to career desired and I found out after it would not when they told me it would. Staff was not helpful ... only want money.
on XX/XX/2018 i was purchasing two vehicles from XXXX XXXX XXXX   XXXX meeting. on this day the car dealership had took my XXXX XXXX XXXX as a trade for XXXX the deal was i would get back XXXX and be walking away with 2 cars a XXXX XXXX XXXX and a XXXX XXXX XXXX with the title to the XXXX  and the XXXX was to be financed. 

This is only the beginning of everything.. so let 's start with when i got home that night i had a chance to sit down and finally been able to review the loan documents they financed my XXXX at XXXX when the agreed upon price was XXXX so when i noticed that the loan was not what i agreed upon i immediately called my Loan holder because XXXX XXXX would not answer the phone or this person wasn't available the moment please call back ... so after the first day of being ignored i went back to the dealership where i went to also question the huge scratch down the side of my vehicle that was not there at time of purchase. when i arrived the sales man goes oh you're here about the huge scratch aren't you XXXX said he's not fixing that ... my reply oh well no actually that's one of the things ... so needless to say after asking AGAIN to  speak to someone no one was magically available to take this matter or they where all gone on vacation .... 


so here we are 6 months later fighting GM financial have had my credit XXXX because of this couldn't refinance my house because i couldn't pay the car loan and accept responsibility for it ... well GM financial is another one i will be putting a complaint in against so to anyone looking for a car PLEASE GO SOMEWHERE ELESE OTHER THEN THIS FRAUD DEALERSHIP THEY LIE RIP YOU OFF AND DONT CARE!!! STAY AWAY FROM XXXX the car salesman he IS XXXX AND DIRTY AND DOWN RIGHT A LYING PEROSN
Dating prior to XX/XX/XXXX and prior even I was told my only option was forbearance that I was not eligible for any other repayment plan. XX/XX/XXXX I realized there were other options and the payments they claimed I had to make were outrageous. After more of my own research I called back in and explained how I was once again misinformed and wanted repayment options. I was given a repayment plan but even up until XX/XX/XXXX I was lied to about what the payments were going to be and never received any of the documentation on how or when or even how much the payment would increase causing late fees to accrue. Between the years of accumulated interest in forebearance that I didnt deserve and still inaccurate information resulting  in more money I have to pay my loan amount will never seemingly go down remaining at XXXX in loans.
I attempted to close my account and have the money in my accounts returned to me and 5th 3rd continued to allow me to be charged by accounts they reversed the charges for. I have stated that I do not want the Identity Alert service since XX/XX/XXXX and I have continuously have been charged. I explained that their credit reporting is not close to being accurate and stated that they have violated the Fair Credit Reporting Act. I received a letter stating to call XXXX XXXX and she told me she will look into my claims on XX/XX/XXXX. I followed up the next week she told me that I never had a discussion with her. She later called and admitted she made a mistake. I asked what progress was made in resolving this matter. She indicated that she or 5th 3rd has n't done anything to research my account as promised in a timespan of a entire week. I asked why am I still being charged for the Identity Alert service and she advised me to call the toll free number. I told her that I 've tried that already and I got the run around. I included that in the complaint that generated the letter for me to contact her. I asked which manager I can speak with since she has n't been helpful and she did not answer the question. I asked how long I have to get this matter resolved without further actions taken against me and she told me XX/XX/XXXX. XXXX XXXX has told me only some of our conversations are being recorded and monitored ; which is a FDCPA violation. The conversations that were recorded will be useful to back up my claim.
I currently have 16 inquiries reporting on my credit report on Equifax that are without a firm line of credit. I have circle all 16 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that a

re 1. FIRM LINE OF CREDIT * ( result of open account only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them. The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inq
uiries should not be reporting on my Credit Report.
Nationstar dba Mr Cooper is attempting to forclose on my home with a fradulant assignment that contains robo signers and fraud can not be the basis of obtaining a deed
In XX/XX/XXXXwe refinanced our home with XXXX XXXX XXXX, making bi-weekly payments throughout the years until XX/XX/XXXX. In XX/XX/XXXX we were advised our mortgage was being transferred to Select Portfolio Servicing ( SPS ) with no interruptions or changes to our current agreement with XXXX. However, in XX/XX/XXXX we contacted Select Portfolio Servicing ( SPS ) after noticing a payment had not been deducted from our bank. We were told at that point by SPS no payment was due until XX/XX/XXXX because we had overpaid XXXX. We requested to continue paying our monthly note and the " over payment '' be applied to the principal balance amount. We were told that was n't possible and the amount due in XX/XX/XXXX would be the daily compounded interest plus the monthly amount due, which will be in excess of over {$2000.00}. We have however continued to pay our monthly note only to have the principal balance increasing monthly. We have contacted several agencies to help with this situation only to be told unless we are at risk for foreclosure or behind in our payments we do n't qualify for any assistance in resolving this matter.
Good Afternoon I have several mortgage payments with wells Fargo bank and I have requested several times that the unapplied money be applied to the principal but they do not comply with my request. I was hoping that you would be able to provide assistance to enforce my request. 

Thank you
Dear Sir and/or Madam, Please take a very serious note of the financial stress and issues I am experiencing from XXXX of XXXX to the present, as a result of overcharged taxes by Bayview Loan Servicing, of which I have completely documented with substantiating legal proof to that effect. It is extremely important for legal record purposes, that Consumer Financial Protection Bureau is well informed that all efforts on my part have been exhausted due to Bayview Loan Servicing unprofessional excuses and inability from its staff to problem-solve this matter. As a result this major problem and sub-issues are continuing with bulling treats from XXXX XXXX XXXX regarding an upcoming foreclose to my mortgage. 

The following is a summary about the history of the overcharges and financial crises that XXXX XXXX XXXX has inflicted with discrimination on my finances and ability to meet monthly obligations with mortgage payments and living expenses : On XXXX XXXX I received a called from Bayview Loan Servicing informing me that I had a shortage on my mortgage which would be increase from XXXX XXXX because of tax and insurance. I asked to send a statement that was sent and it shows charges for Tax-XX/XX/XXXX and Tax- XXXX XXXX XXXX for the same amount of {$1200.00} My Tax for XXXX was already paid by XXXX XXXX in my mortgage on XXXX/XXXX/XXXX. I called Bayview Loan and talk to several representative and supervisor that recognize the problem and promise to make correction. Each time I called they tell me to wait 60 days, then 30 days, then a Supervisor told me that she will call me back in 15 days knowing that in 15 days my account would be transfer to XXXX XXXX XXXX XXXX. I have continue to pay my mortgage for {$1000.00}. XXXX XXXX has been taking over my account since XXXX and know about the problem and said that they are looking into it since XXXX XXXX they told me to wait 60 days and still charging me late fees and my escrow account as increase, causing me difficulty in paying my mortgage. I have been calling to solve the problem and a representative said that do n't call back she will call me I have been waiting for over a month and I have n't heard from her but I am receiving calls from the collection department treating me of going into foreclosure. I feel that they are taking advantage and stressing me out for a they XXXX up.
I have a federal loan that I have been paying on for years. I do not make enough to pay the recommended payment so it has been on an income sensitive payment for the last several years. Due to this situation I am only paying on interest that is accruing faster then I can make payments. I will not ever be able to purchase a house with this debt and it is a burden for me to continue to carry. I will be paying on this loan until I die. Another issue is that in order to use the degree that I earned I would have to go back to school to be re-certified in certain areas. 
Please offer any assistance that you can
I applied online for a Chase credit card on XXXX XXXX 's site because it was advertising low APR interest rates & 0 % for 15 months on transferred balances for individuals with good credit ( my Credit score is XXXX ). Within a few days I received letter informing me I was approved, however not all the account balances I requested transferred were granted because of the line of credit the CC Bank provided was n't high enough to cover the total amount so only XXXX of the XXXX accounts was totally transferred, leaving the second only partially transferred. If I was informed that my request could n't be granted I would have cancelled the application but they did n't offer this option. However In their letter, they stated I could request a high credit limit if I wanted the remaining balance transfer but they would need to pull another hard credit report request ( less then two weeks from their previous request ). I refused. Next the new credit card came attached to a typical form letter instructing how to activate the account and the disclosure statement describing how they used my credit score to determine both my ( risk ) Interest rate and line of credit amount. This where they posted my credit score they claimed I had with XXXX was XXXX contrary to what I have ( XXXX ) from XXXX seen through my account during the same period of time and company.. I contacted them requesting documentation proofing their claim of my credit score being XXXX. After four hours of being passed to XXXX different departments and talked to XXXX different people all claimed I needed to contact XXXX to straighten out this issue. I told them it was extremely unlikely that XXXX would be able to fix Chase 's errors. They as so refused to send me a copy of my credit report they claimed to have with XXXX on it. My opinion of the credit application process banks are perpetrating on consumers is predatory in nature do to the secrecy and concealment of the claimed facts by which they are manipulating the rules to favor higher rates and ensnares consumers into an agreement without knowing what the terms and conditions are until after they have made them and invoked the agreement before it could be reviewed. This leaves consumers without a fair remedy to cancel or refuse the approved application without further investment in ; time, costs, and costs to their credit score. We consumer need to have the right to refuse an offering if it does n't meet our needs before the agreement engagement, not after. This act, in itself, is a tactical form of predatory lending by the banks, is it not? 
Thank you
Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XX/XX/XXXX, I sent dispute letters to Equifax and XXXX requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!
I paid off this bill over seven years a go and still shoews on my credit. please remove from my file as soon as possible.
Applied for Bank of America credit card and was denied for reasons not described in conditions on their application. I was denied because I didnt bank at Bank of America. The application did not state that I had to have an open checking or savings account at Bank of America to be approved for the credit card. The denial lowered my credit score along with the hard inquiry for the card they were not going to approve even with my excellent credit score.