WillisBack/dataset-financial-user-claim huggingface dataset:
I have had loans with cash 1 in the past and always paid them off and never had a problem with them. I would always pay my loans on time and in full. A few weeks ago, I talked to cash 1 loans to let them know that I had XXXX recently and had to catch up on hours at work. I let them know that I was behind on my rent and other bills and wanted to lower my payments so that I could catch up on those and still play them. I went into cash one store to cut off my automatic draft out of my bank account on my current loan so that I could stop payments from coming out my bank account automatically. Also, I wanted to see if I could set up a payment plan so that I could pay a lesser payment while I get back on my feet. I have had friends that had similar situations with cash 1 in the past and they were allowed to set up a different payment plan and take off automatic draft. Even a week ago I had a friend that did. Cash one said they can not take of automatic draft and that I could only pay the installment loan full amount an nothing would be allowed. Please do not do business with this company because they will not work with you if something ever happens to you, even though they have done it for other people. I have never had any problems like this before, and am very disappointed in a company that I once had the uptmost trust in. This is not fair treatment. Two weeks ago I canceled my automatic drafts with my bank since I ca n't through cash one and wo n't be able to pay anything since they will not allow me to set up a payment plan for a lesser amount. Friday, I looked at my bank account and noticed they withdrew {$150.00} out of my account even though I called my bank and stopped the automatic drafts. Yesterday, when I called my bank they said that the original time cash one tried to draft the payment it did not go through. So my bank said cash one changed their numbers around to try to draft the money out of my account until it worked. My bank tried to stop it after it started processing but could not. They said it was taken out. I want to take off automatic draft and to make payments in smaller increments and pay it off but I do not know what to believe anymore. Please be aware of this company if something ever happens.
I received a letter from Equifax explain I was apart of a breach I went online to view my account and notice some fraudulent attempts to obtain credit. I have put in a dispute with Equifax but they have responded telling me to contact the company directly, I have! the company states the inquiry is valid however of course its valid if they illegally hacked Equifax corporation and retrieve all of my personal information. I will like all the listed below inquires removed. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
On XX/XX/17 thru XX/XX/17 there was more than {$1100.00} in unauthorized atm withdrawals/debit charges to my account. My immedialty went to the bank disputed the charges explaining my safe was stolen out of my hotel room by individuals that I know. The wife called the hotel pretended to be me adding her husband to my reservation without verifying bcc it was done via phone. I went out for the night to celebrate my bday, when I came back I noticed my safe was empty. I was traveling at the time so the only place for me to keep something valuable would my safe. Santander bank is the only bank I know of that sends a debit/credit card in the mail. a seperate envelope that has a PIN number inside for th debit card. Which was how my PIN number was revealed. The couple was not on my reservation, I never gave my pin to debit but card to anyone ever. Since XX/XX/2017 Ive filed a claim about these charges numerous times. The bank refuses to credit me. I provided a police report etc. I called the FDIC for help because I dont understand how Im not entitled to the money that was stolen. They referred me to you. So Im hoping you can help. Im attaching affidavits, list of unauthorized charges and letters from the bank regarding there decision.
After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
Had a newspaper subscription for one year paid in full at the beginning of the subscription. When it expired I told them I was not renewing. The paper continued to be delivered for a few weeks then stopped. Two months later I start getting phone calls and letters from A.R.M. Solutions telling me I owed them money for the paper AFTER the subscription expired and AFTER I told them I was not renewing. They want {$59.00} or they will ruin my credit!
I owe about XXXX in private student loans. I am XXXX years old and unable to afford a mortgage and move on with my life. is there any way I could pay less or have something forgiven? I am with navient and have a very low interest rate. I am paying XXXX in private loans and XXXX in federal. I 've called many different Places with no help. please help me.
XXXX Have a report in all XXXX agencies that i have a credit line of {$4200.00} with XXXX balance opened XXXX 2005. I have called them and they do not seem to have a file on under my name and they told me to dispute it with the credit bureau but they did nothing. I have XXXX names which i manage to fix XXXX agencies ( XXXX ) but not the others. Also i have XXXX Hard check in a very short time expand and do not recognize must of them. Hopefully this can be resolve. I am working hard on establishing credit and fix the errors but the Credit bureaus are not doing anything. Thank You for your help.
I went to the bank to open an account and was not able to do so because Chex system inc. was reporting incorrect information about me. I contacted chex system XXXX 2016 to dispute the incorrect reporting and to date I have not received any response from them. I know they got my letter because it was sent certified mail with return receipt, and someone from their office signed when they got the dispute letter.
XXXX were doing a loan modification on our home in which they told us they were going to do a XXXX bankruptcy to stop the sale of our home. Unknowing to us it was n't a XXXX bankruptcy because it is now listed on our credit reports. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX and we are located in XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposedly XXXX bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My first complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out their money and should be held accountable.
I started a mortgage refi with a company Alliance Home Loans. They told me that i am not to make my next month payment. we have never had missed a payment in 3 years. They failed to close the loan on time which now we cant re fi for 3 month and have damage or perfect payment history. And now we have to struggle to catch up. I feel that if they could n't close they should have let us know!!
Greentree removes my tax money and does n't pay my taxes until a month later. This time they decided to raise my monthly impound to cover this, by {$1200.00} a year, saying there is a {$970.00} shortfall. There is no shortfall, they just remove $ 4K+ from my account a month early. 

I have proof of the withdrawal and the fact that my taxes remain unpaid. They did this in XXXX of last year as well. I opened a case up then as well. 

I have since requested that impounds be removed for all but the mortgage insurance.
A ) I Have been working with Wells Fargo with a Loan Modification since XX/XX/XXXX. I have request a XXXX Speaker to help me in the process but Wells Fargo have not provide any one to help me in my Native language. 
A ) I have transfer for one to another different agent ( 8 in Total ) in this process. 
I have to explain and start all over again. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. 

B ) The last documentation I have from Wells Fargo it was printing on XX/XX/XXXX at Wells fargo Facility. I did received on XX/XX/XXXX. 
Wells Fargo send me a letter printing on XX/XX/XXXX that according California Civil Code & 2923.55 ( f ) Thirty ( 30 ) Days, or more, have passed. 
This is statement is False. Even today have not pass ( Day of complain ) Thirty ( 30 ) days at all. 
C ) Right now I am in a Loan Modification with Wells Fargo because my financial situation have been change for good since XX/XX/XXXX. 
Wells fargo is violate the California Homeowners Bill of Right : " Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed ''. 
On XX/XX/XXXX I start the training for my new job. 
I did call Wells Fargo to tell that I have a new job ( Full-Time ) starring on XX/XX/XXXX and that I have rent one of the rooms in my house. 
On XX/XX/XXXX I call Wells Fargo to update my situation ( Financial ) and I request a Loan Modification. 
XX/XX/XXXX I call and request a Loan Modification again. 
XX/XX/XXXX I Call and request a Loan Modification again. 
On XX/XX/XXXX I call and request a Loan Modification again, this time they allow me to start the process. 
Right now I am in a Loan Modification with Wells Fargo but at the same time I am in Foreclosure active status that is illegal in California.
I received an alert of a collection bill I checked my credit report and seen that this account from XXXX has report that I owe them which isnt true this isnt my account which I disputed back in XX/XX/XXXX and the item was removed now we are here in XX/XX/XXXX and they have place this account back on my credit report with a different balance. This has dropped my score so very much and this just isnt fair and something need to be done about this. Again this is not my debt and it should not be on my report.
I overpaid Discover Student Loan Services ( {$2000.00} ) and have been getting the run around trying to get a refund. It 's been over 70 days since I gave them notification ( e-mail and I have a solid paper trail ) and I continually get " the check is in the mail ''. Any suggestions?
This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  LVNV FUNDING whic h is reporting negatively on my credit reports. LVNV is not bonded in the State of Texas to pursue collections. I entered the name and address on the  Secretary of State  website for debt collectors and was unsuccessful at locating a bond for this agency.
Equifax has the wrong name and address for my credit report, I have moved twice and been married. My name is changed with social security, credit cards, bank, etc and has been for several years. I am trying to get a mortgage, and this incorrect info on the report is preventing my family from being approved, and could possibly kill our deal. Equifax through over 20 different conversations with their call center has given us multiple different instructions on how to resolve this issue, turns out the only way is by mail or by fax. The only way to correct my personal information is with copies of my social security card, DL, marriage certificate, etc all faxed to their call centers in either XXXX or XXXX XXXX. This is exposing my sensitive information via a very unsecure method ( fax ) to potential identity theft scenario. Both other credit rating agencies have my correct information and we never contacted them. Equifax claims that if I wanted the info updated since I turned XXXX in XX/XX/XXXX, I should have done this years ago and that it is my responsibility to let them know of every life change. I believe this is an unfair and unethical practice. I also believe that if I want my personal information changed that I should be able to do it via phone or online ( it is XX/XX/XXXX ). This is totally unexpected and as a result we are unable procure funding for our mortgage.
Experian and XXXX refused to Verify the following accounts that don't belong on my credit report. I AM REQUESTING THEY PROVIDE ME PHYSICAL VERIFICATION PROOF UNDER THE FAIR CREDIT ACT UNDER THE LAW, BUT EXPERIAN & XXXX   REFUSED TO PROVIDE SUCH PROOF. THEY CONTINUE TO SEND ME FORM LETTERS. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
I have disputed an address about 5 times that it does not belong to me. Equifax employees have told me it will be deleted 100 %. There is not account of mine that reports that address. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
My mortgage company The Money Source has not submitted my mortgage to the credit bureaus since XX/XX/XXXX. I have been battling this situation since XX/XX/XXXX when I found out and I have a log of times and dates of several different representatives giving me inaccurate information as well as indicating a follow up call will be given on the case.
For the past few months i 've been trying to submit a dispute to the credit bureaus about an account on my credit report. The account is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. This is reporting as a bankruptcy. Now i can admit that i did in fact start the process of filing bankruptcy but i never went through with it, I have the paperworkk to prove that. For some strange reason the credit bureaus are still VERIFYING this account when i KNOW for a fact i have NEVER filed bankruptcy. How is that even possible? Can they do that? Is that legal?
On XXXX XXXX, 2016 Bank of America closed out my credit card account and re-opened it within a short time frame, causing an unauthorized hard inquiry on my credit report. I do not know why my account was closed out/re-opened, but have heard that some banks have done this to force interaction with bank staff so they can promote other products. I 've notified Bank of America staff multiple times, they have stonewalled me with form letter legal disclaimers and no explanation. 

As a result of Bank of America 's actions, there is an unauthorized hard inquiry on my credit report. I did not seek credit from BofA, nor did I authorize this credit inquiry.
My mortgage servicing was transferred to Ditech from XXXX XX/XX/XXXX. I was due a 6th year Hamp incentive in XXXX XXXX of {$5000.00} plus a reamoritzation as part of a law passed last year. I 'm getting nowhere. Ditech has never responded to my numerous requests for this incentive to be applied. I lodged a complaint with XXXX XXXX and now the servicer told them that I was 90 days late XX/XX/XXXX and the treasury denied the incentive. It 's not true. I was given the {$1000.00} all 5 years. I have records to prove I was never 90 days late since my Hamp incentive was finalized in XX/XX/XXXX.
I believe that my personal information on XXXX, XXXX and Experian was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.
I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to American Educational Services. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and AES with no response. I would like the statement removed.
Today ( XX/XX/2018 ) I visited my nearest Bank of America branch to settle the fees on my already closed Business credit card account. The banker and I were transferred five different times to a customer service representative who were not able to waive the fees associated to the account, even though the account was closed more than two months ago. Back around XX/XX/XXXX, I confirmed with the customer service to ensure there were no balances remaining after I paid off my account. 

There should be no reason I am getting this billing statements, when I already confirmed with the customer service representative back in XX/XX/XXXX to completely close my account. I should be completely free from any liabilities, yet the customer service representatives have been unhelpful.
I had identity theft from XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I changed my name as far everything was working for the good in XXXX XXXX finding out that some one wanted to get a house loan or personal for XXXX At XXXX XXXX I login in to XXXX and found out someone change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit bureau and found out there was some discrepancy on all XXXX credit bureau so I directed to The Federal trade commission with this problems, they help me in a big way and thanks. Everything was taken off in the credit report that was supposed including the account in good standing with the old name XXXX XXXX XXXX which are in good standing The only XXXX associated with my new name with XXXX XXXX XXXX ; XXXX XXXX & XXXX XXXX XXXX
I have disputed multiple fraudulent or innacurate items on all three major CRA 's ( XXXX, Equifax, and XXXX  ) over the last year to clean my inaccuracy 's after identity theft. XXXX  and XXXX   have been willing to successfully remove fraudulent and inaccurate entries that either never belonged to me or were opened without consent from me otherwise reported inaccurate information such as address information and name spellings..Equifax, however , over multiple attempts to have these corrections made have been unwilling to co-operate to fix these errors and therefore has left me with only them holding false, negative, and incorrect information. I have made numerous attempts and nothing has been removed or altered. The incorrect Information needs to be removed and the investigation by Equifax should have had the same outcome as the investigation by XXXX and XXXX  - as all the CRA 's are receiving the same information presumably from the investigation. These mis-informations and unwillingness to remove the items are hurting me financially and aren't my responsibilities either. Equifax also placed a fraud alert on my report without my asking for it - even though they will not remove false information ( addresses I've never lived at, collections accounts that don't meet requirements of FCRA and can not be validated, names I do not go by and that belong to someone else, etc ) PLEASE HELP!
To Whom It May Concern I recently purchased my first home utilizing the services of XXXX XXXX in XXXX, PA. At the time of closing XXXX XXXX informed me that my mortgage would most likely be sold being that it is an FHA mortgage and that it would either go to XXXX XXXX or Chase. I was crossing my fingers chase would get my mortgage as I already had a credit card account with them. Well a few weeks later my " wish '' was granted and chase was my new mortgage holder. I then noticed one day my mortgage was listed on my online portal so I did not have to do any data entry or payment entering everything was rather seamless. Well here we are not even 4 months after buying this house and I get a notice that " XXXX XXXX a XXXX XXXX '' is my new payor. I have had trouble since the start, their system hasnt updated and I cant create a log in, it takes 20+ minutes to get someone on the phone there. I called Chase and asked them to reconsider transferring my mortgage but that fell on deaf ears. I am writing this government agency as you were designed to help me the consumer in situation with dealing with financial institutions, so help!
PLEASE BE ADVISED THAT : Southwest Credit Systems, L.P AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( see CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XX/XX/XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XX/XX/XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. 
Accordingly, XX/XX/XXXX, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XX/XX/XXXX from SOUTHWEST CREDIT SYSTEMS, L.P. ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, whenXX/XX/XXXX ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.
I took XXXX dog to XXXX XXXX hospital to the vet and made monthly payments of XXXX. To my knowledge this was not credit or a loan kind of deal but more as a pay as you go for service. I called around. XXXX/XXXX to cancel the debt the debt was never canceled by XXXX and they continue to charge me up to XXXX XXXX. After my dogs care had stopped there in XXXX being the last month he was ever seen in that hospital. I received a letter saying I owe XXXX to I.C. Systems. I attempted to call them because I Believed it was a scam and I I never heard from them again. Today it was report to the credit bureau. Which I do n't understand cause it was never a credit and I refuse to accept that debt because my animal stopped recieving care. Not only that I.C. systems never followed up with me. I am willing to pay what is owed up until XXXX/XXXX and have the removed from my credit report because it is unfair that I 'm being overcharged for services that was n't Provided after XXXX XXXX