WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from a company identifying themselves as " Diversified Consultants, Inc. '' claiming they are attempting to collect a debt for XXXX XXXX as evidenced by information on my credit report, I have not had any account transactions with XXXX XXXX within the last 7 years. This company appears to be either a fraudulent company seeking to steal money or this instance is related to another incident of identity theft I reported to consumer finance earlier this year.
Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from Transunion only, requesting a bunch of prove-you-are-you data. XXXX  phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.
IN XX/XX/2015 MY WIFE AND I TRIED TO REFINANCE OUR HOME WITH BANCO POPULAR OF PUERTO RICO AND AFTER RECIEVING NOTICE OF APPRAISAL FOR $XXXX HAVING THE DEBT AT $XXXX ($XXXX EQUITY) AND HOUSEHOLD EARNINGS OVER $XXXX FOR EACH OF THE LAST 3 YEARS. AFTER 6 WEEKS WE CALLED AND TO OUR SURPRISE WE WERE DENIED OF THE LOAN BUT THEY NEVER WROTE OR CALLED AND THEY NEVER PRESENTED A WRITTEN PROPOSAL FOR WHICH WE HAD A RIGHT TO SEE BEFORE WE WOULD ACCEPT THE PROPOSAL TO BE TAKEN TO THE DECISION MAKERS OF THE BANK STAFF.
WE GAVE THE BANK $XXXX DOLLARS FOR THE APPRAISAL AND DOCUMENTATION WHICH WE NEVER SAW. THE OFFICER THAT ATTENDED OUR CASE TOLD US THAT WE WOULD NOT HAVE ANY PROBLEMS WITH OUR CREDENTIALS AND OFFERED BY WORD OF MOUTH TO CLEAR OUR C.C. DEBTS WHICH WOULD BE ADDED TO THE DEBT ($XXXX). IN TOTAL, WE WOULD BE PAYING $XXXX LESS MONTHLY, ($XXXX) WHERE WE USE TO PAY BETWEEN HOUSE AND C.C. $XXXX CAN SOMEBODY EXPLAIN? THEY NEVER WROTE, NEVER CALLED AND WE HAD TO CALL TO FIND OUT. THEY TOLD US THAT OUR INCOME WAS INSECURE BECAUSE WE ARE XXXX????? IT WAS NOT INSECURE WHEN WE PAID THEM FOR 146 STRAIGHT MONTHS ON TIME!!! NOW, BECAUSE WE WANTED TO LOWER OUR INTEREST RATES FROM 6.25% TO 3.75% WITH VERY FAIR CREDIT. IN MY OPINION THEY WANT TO TAKE THE PROPERTY FROM US AND AT THIS POINT THAT IS WHAT THEY ARE DOING. WE STOPPED PAYING THE HOUSE BECAUSE FROM THAT MOMENT ON (XXXX) WE SUUFERED A LOST IN INCOME AND WE TRIED LOSS MITIGATION BUT WITH NO AVAIL BECAUSE THEY TOLD US THAT THE HOUSE BELONGS TO XXXX AND THEY DO NOT DEAL WITH LOSS MITAGATION. WE WENT TO CONSUMER CREDIT, WE TRIED HARP, HAMP, HOPE, MAKING HOME AFFORDABLE WITH NO RESULTS IN OUR FAVOR. THE BANK WAS MENACING US THAT IF WE DID NOT GIVE THEM THE HOUSE THEY WOULD FORECLOSURE LEGALLY, TAKE IT TO AUCTION , SELL AT WHATEVER PRICE THEY CAN AND WE WOULD BE RESPONSIBLE IN OUR LIFETIME OF PAYING THE DIFFERENCE. WE HAVE SUFERRED A GREAT LOST, ALL OUR INVESTMENT IS IN THE WALLS OF THAT HOUSE. WE HAVE SHED OUR TEARS AND WE STILL DO. 
IF YOU WISH TO CONTACT ME, PLEASE DO 
XXXX OR XXXX
THANK YOU AND XXXX BLESS
In XX/XX/XXXX my student loans were consolidated into FFEL Consolidation loans by  XXXX, which later changed to Navient. I first learned about the Public Service Loan Forgiveness program around XX/XX/XXXX. When I contacted Navient to inquire about this program. I was advised that it was not necessary to refinance my loans. 

I recently submitted my application for the PSLF program and was informed that my FFEL loans are not eligible after all and the 10+ years of payments I have made to Navient do not count towards my loan forgiveness.
I refinanced my mortgage with Wells Fargo and closed in early XXXX 2016. Soon afterwards I applied for a HELOC with Wells Fargo and was advised that I could not close until the county had recorded the paperwork from the refi. Throughout XXXX and XXXX 2016 I repeatedly inquired about the county recording and was told it should be " any day ''. Today I found out the title company did not submit the paperwork to the XXXX until XXXX/XXXX/16, 74 days after the closing. In the meantime the rate lock expired, rates have gone up, and my paperwork is still unprocessed. Wells Fargo neglected to ensure the refi documents were filed in a timely manner, and I am worse off due to the HELOC rate increase.
I have been trying to remove this truncated falsely reported account from my credit report. The account number belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. This account is not reported accurately due to the fact that it does not express the full account number and MUST be removed immediately to avoid litigation  : 1   XXXX /  XXXX   XXXX   #  XXXX  I have attached the lawsuit to be filed as wells as  XXXX  vs.   XXXX     XXXX   XXXX  Case  .  No.  XXXX  to show precedence to the court on the same violation I am seeking. I am not seeking monetary relief. I am only seeking the removal of the above account from my credit report as well as the unauthorized release of my credit report to the following companies :  1 .  XXXX   XX/XX/XXXX  2.  XXXX   XXXX    XXXX     3.  XXXX   XXXX   XXXX   XX/XX/XXXX   4.    XXXX   XXXX   XXXX    XX/XX/XXXX  5.  XXXX   XXXX   XX/XX/XXXX  6.  XXXX   XXXX   XXXX   XX/XX/XXXX   7.    XXXX   XXXX   XXXX   XX/XX/XXXX  8.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  9.  XXXX   XXXX    XXXX  . If these accounts are not cleared immediately, I will be forced to file the lawsuit attached forthwith and seek punitive damages as well as violations of the FCRA  Section 623 i ncluding Defamation and willful injury at {$1000.00} per violation.  May  I also remind you of  XXXX ,  XXXX   TRANS UNION CORPORATION US   , Court of Appeals fo r the   XXXX  Circuit Court Ca  se   XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX  , Filed (  XXXX  No.  XXXX  )
In a notice dated XX/XX/XXXX, I was informed that previous payments for my Income Based Repayment plan were miscalculated, resulting in overpayment totaling {$1800.00}. The letter said no further action necessary because it had been credited to my account. I called XX/XX/XXXXin an attempt to retrieve that " credit '' but was told it was already applied to my account. I asked if I could have it reallocated to a different loan they serviced and was told it could only be applied to a federal loan. I had no choice in how this was distributed. I 'm on an IBR plan because I ca n't afford to make standard payments, so obviously, I would n't be overpaying if I had a choice. 1/3 of my income goes to student loan payments. I ca n't find any language in any of my terms of service regarding overpayments when it is the loan service 's miscalculation. I sent a written request on XX/XX/XXXX that they issue a reimbursement check. I have had no further contact with the company.
Chase Bank closed my account on XXXX/XXXX/16. I had {$450.00} in the account as of that date -- with no outstanding checks or debits .... I was told that I had to wait 10 days before I was to receive the balance of funds ... ... It is now XXXX/XXXX/16 and I have not received my money from the account ... ..I have contacted the bank a number of times regarding this problem -- -only to be put off with " we sent you a check '' or '' we are conducting a search for the check '' or come into the bank to see a manager who will assist you who is never there ... It is my money -- -I live off my Social Security of {$810.00} a month -- -so that is a great deal of money for me to lose ... .I do not know why the bank will not give me the money -- it offers no reason or excuse
XXXX Details Account # XXXX A payment was sent but never received. I have had a perfect payment record and te company is reporting a payment having been late.
I wanted to start. College XXXX 2016, so around XXXX I requested my free annual. Report I needed to finance a new car for school. I was told I would be receiving my free report within 14days. Well still nothing I 've called several times only to be hung up on and then transfered. To 5different. People where. Again no report. Last year I ordered it and nothing so I wanted to be paying off my bills which I would have got a new car financed but I did n't get financed and the letter states it 's because of experian and Equifax reporting so I could n't start school could n't get financed for a car and what does it matter to them
Upon reviewing my credit reports I noticed XXXX collection accounts with Receivables Management that I did not recognize as mine, in addition the information reported among the 3 bureaus was all different. I sent a certified letter to Receivables Management requesting validation of the accounts. The letter was received XX/XX/2018 ( certified letter receipt attached ). Receivables Management replied on XX/XX/2018 with what they consider verification, not validation as I requested ( complaint # 1 ) ( correspondence attached ). 
Complaint # XXXX : The billing statement from one of the original creditors ( XXXX XXXX XXXX XXXX XXXX XXXX ) that they sent has XXXX of the accounts listed under an address that does not or has EVER belonged to me. I have never lived/resided in the address provided by the original creditor. 
Complaint # 3 : The billing statements that Receivables Management retained, had copies & mailed from both original creditors ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) are all in DIRECT & SERIOUS violation of HIPAA & both XXXX and XXXX XXXX Privacy Rule which prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ). The creditors furnishing of my alleged account ( s ) information to Receivables Management is not in compliance with XXXX or XXXX XXXX Privacy Act & both the creditor & collection company are in clear violation of Public-Law 104-191 ( HIPAA ).  More specifically, the protected health information that was NOT protected was the description of service on XXXX of the billing statement that stated XXXX XXXX. This personal and private information was shared among companies! The entire purpose for MEDICAL BILLING/CODING is to use codes to protect sensitive & PRIVATION information such as this. On the billing statement disclosed to Receivable Management from XXXX XXXX XXXX violates someones PHI again under the description clear as day spelling out the exact producer! XXXX XXXX XXXX.
I have a car loan that I did with credit acceptance for 10k or more, monthly and it 's not showing up on my credit report. I tried calling credit Acceptance they said they will fix this problem but they have n't fixed it with the three major credit bureaus. I would like for them to update my credit information showing a pay off on a loan that I had with this lender.
Comenity bank notified me that my XXXX account would be closed due to the XXXX acquisition. However, when I called to confirm this information I was told yes ALL XXXX accounts will be closed. When I pointed out that my husbands XXXX account would remain open after the acquisition, I was then told it is because their terms say " we can close your account for any reason at any time. '' This is an unfair practice with no justification. If one account can remain open after the acquisition then why must mine be closed. This will have a severely negative impact on my credit score and I have been give no real reason that my account will be closed on XXXX XXXX, 2017.
I seen multiple hard inquiries on my trans union and XXXX accounts which m not recognizing. I already have credit cards from them e.g XXXX and XXXX XXXX. I would appreciate if these inquiries could remove.
Re : My submission, number XXXX I opened a Time Deposit account with BBVA Compass on XX/XX/XXXX and deposited {$150000.00}. The maturity date was XX/XX/XXXX. According to BBVA Compass Non- Consumer Time Deposit Agreement and Disclosure Statement dated XX/XX/XXXX, there was no early withdrawal penalty.
OnXX/XX/XXXX, I purchased a new home for my retirement, and withdrew {$120000.00}, and was charged a 3 % early withdrawal penalty of {$3700.00} and additional fees of {$37.00} I was very surprised they charged me a 3 % penalty for an early withdrawal fee even though it was not a provision in the Non-Consumer Time Deposit Agreement and Disclosure Statement dated XX/XX/XXXX.
I made a request for assistance to the Consumer Protection Assistance and Compass for a refund of the early withdrawal fee. However, I was told that I needed to make the original request myself even though I did make the original complaint on this issue.
The address of the bank is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX. I have attached the original Non- Consumer Time Deposit Agreement and Disclosure Statement with Compass Bank , and Time Deposit showing the 3 % early withdrawal that I paid.
Thank you. I look forward to hearing from you.
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2018. I applied for a loan modification to Bayview Loan Servicing numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social it rings couple of times and then I get nowhere. Seems like when I put in my information the phone system recognizes my information and does not connect me to anyone. This has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. After speaking to the employee she did not give me any information regarding my loan and said that only one person could talk to me but I can never get a hold of that person. Also asked for a supervisor and was on hold for over 40 min and never got one. Bayview is playing dirty games for me to not resolve my issue and get an update on my loan modification.

Im being thrown around the phone system and no one can speak with me. Is this a game they play to hold off so long until its too late to speak to someone and then they sell my home? I have done everything needed to do and i have sent them all documents. If Im not mistaken Bayview Loan Servicing is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
this is outragous that american express will not notify or send any correspondence regarding a {$2.00} payment that still showed as open even after i had paid the account in full. 
they have never contacted me and reported the account delinquent 30 days even though it was closed. 
i have paid the remaining balance of {$2.00}
This collection from XXXX XXXX has two issues. It is from over 7 years ago and they are trying to collect on equipment that I returned. I returned it with their self shipping label, and they refuse to provide it to me to validate that the equipment was returned. If they would just look into their system, and pull up the records they would clearly see that is was returned.
On Experian report # XXXX for an account with XXXX XXXX acct # XXXX in the Status section XXXX XXXX is reporting paid and settlement {$480.00} written off this account is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX is reporting paid and settlement {$480.00} written off this account is scheduled to continue on record until XX/XX/XXXX. My complaint with XXXX XXXX is on XX/XX/XXXX they mailed me a letter confirming that my account has been settled in full and that is what should be in the status section. From my understanding there should not any amount which they have collected or not collected.
I am ( with my siblingss ) the beneficiary of a trust established by my grandmother, that passes to me ( and my siblings ) upon the death of my Mother. My mother passed away in XXXX 2015, so we contacted Wells Fargo, the administrator of the trust. We provided all the requested information and documents in order to process the distribution of the funds from the trust in XXXX. It has now been 4 months, and the funds still have not been transferred as we requested. When we call Wells Fargo we are told that it is " in process ''. There has been no explanation for this long delay, and we have not been told that there is any problem. There has been no communication at all.
My husband and I signed up to be mystery shoppers. We deposited two separate checks in the amounr of $XXXX each.  The bank released the checks and funds.  This was however a scam and gift cards were purchased and redeemed by the scammer.  We are asking that USAA our bank for over 20 years to be held accountable for releasing these funds from XXXX XXXX in the form of a cashiers check.  They are not protecting us, the consumer.  The scam has been reported to local authorities and the FTC so they are managing the scam.
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible
North American Title Loan had a loan on a XXXX XXXX XXXX, North American Title Loan, and their contractor XXXX XXXX XXXX XXXX did repossession illegally a XXXX XXXX XXXX on XXXX XXXX, 2017 from my home. The vehicle repossessed was n't the vehicle that the loan was taken out on. In somehow realizing by XXXX XXXX XXXX XXXX that they repossessed the wrong vehicle, they unloaded the vehicle on the side of the road without notification. On XXXX XXXX, 2017 as found by XXXX County Sheriff Department, the vehicle was found, surveillance video from entrance and exit in plain view and clear picture captured the truck name, and drivers face of XXXX XXXX XXXX XXXX. On XXXX XXXX, 2017, a representative from XXXX XXXX XXXX XXXX showed back at my home, and requested information about the right vehicle, when advised of the occurrence on XXXX XXXX, 2017, the representative acknowledged that she had previously informed the driver at some point in the past, that the vehicle taken was n't the vehicle sought, she immediately advised her home office of the error and left my property immediately. On XXXX XXXX, 2017 in conversation with the Home office of North American Title Loan LLC, they of course denied any involvement, and denied their agent did the act, then stated that their agent returned the contract as unfounded on XXXX XXXX, 2017, until I advised that they further attempted collection, on XXXX XXXX, 2017. On XXXX XXXX, 2017 I had the vehicle evaluated by XXXX XXXX XXXX, in XXXX, SC at which the damages was assessed at {$13000.00}, torn transmission, bent right rim, and body damage repair.
I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. Experian failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track  record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, Experian, and XXXX. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX - XXXXXXXX XXXX
This Person called my family, and people who are not related to me. Told them I wrote bad checks. Told people who are not related to me that they stole my identity and were being investigated. Told me if I did n't pay I would be sued and arrested. He was very disrespected.
I have a mortgage with XXXX XXXX which is managed by Ditech Financial LLC. I have never missed a payment, and the loan is in good condition. 

At XXXX XXXX on XXXX/XXXX/XXXX, I called Ditech XXXX to inform Ditech of my home insurance to change in XXXX. However, Ditech started the phone conversation as if my loan is already in default and started to collect my personal information as to get ready for the collection process and treated me as their target for collection without knowing the status of my loan.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
Thank you.