WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax provided my credit information to XXXX without my verbal or written permission in XX/XX/2017 resulting in a hard inquiry. I contacted XXXX / XXXX numerous times and staff told me someone would call me back and never did. This went back and forth for over a month last year and I finally just gave up.
In XX/XX/2018 I refinanced my student loans into one. I consolidated about 5 student loans into one loan with XXXX Bank. One of my loans with American Education Services was paid in full and an over payment was due back to me. The amount of the over payment was XXXX. I received the over payments for all the other institutions except this one. I called and ask for information, all I was given was that since a 3rd party paid the loan off the refund was sent to them. I requested additional information, IE where the check was sent to, was it cashed, how me or my account was referenced and what documentation accompanied the check. They stated they would research this for me and get back to me. I received no calls from them and called back. Receive information the check was never cashed and their policy was refund to the 3rd party bank. Again i requested additional information, to be told I would receive a call back. Again, no call every made to me. On XX/XX/XXXX I spoke with XXXX Employee XXXX who told me they would refund the check to me directly and verified my address. It is XX/XX/2018 and i had yet to RECEIVE A REFUND.
For the last four years someone has been using my social security numbers and trying to get loans last year someone reported that I was released and each year I send information to Equifax and the problem is never sovled this year I notice something else was wrong my potential job tryed to run a background check and couldn't because I had to report fraud of idenity theft for the previous years my I'd was stolen out my mailbox and this person has access to my social security number how they retrieved it I don't know.This year I called Equifax again because my potential employer could not verify my address with social, and asked them to for a temporary lift so my employer could verify my social and they asked me security questions and was not able to lift it because they stated I answered the questions incorrectly, so they asked that I submit information to verify who XXXX and I did each year I have and they keep acting like the information was never received I believe the person who used my information works for the goverment or know someone who does, Last year my social was linked to someone who was dead I had to clear that up the previous year someone got XXXX phones in my name and now this.The process has been going on for four years with this and Equifax is not helping.I worked at XXXX XXXX in 2014 and someone who was from another country had the same social security number as I did.I just want this to stop I do have proof of who iam and can verify that as I have done with Equifax for the last four years it's starting to be a problem, they sent me a letter last year stating I was affected by the data breech.Also this is not right and has also slowed my process to go to orientation for my potential work place which I was suppose to go on the XX/XX/XXXX but  couldn't.I have to take them proof verifying who Iam
I had an auto loan with Santander Consumer USA. I was a few weeks behind in my payment. I was never notified, or given an opportunity to pay anything at all. One morning while driving to work a tow truck driver hired by Santander rammed the side of my car and pushed me off the road. The driver literally hit me while I was driving. I had a coworker I had just picked up with me. She was very frightened for her safety. We were both scared, and emotional. Fortunately my coworker was able to record some of the assault with her camera phone. The driver would not identify himself, only saying, Im collecting for Santander. We were left on the side of the road. No contact info for Santander was given. I can not believe XXXX XXXX would participate in such brutish actions. I will be seeking legal action. Right now I want a record of the incident public, and I want the illegal debt removed from all three of my credit bureaus.
I am shopping around for the best interest rate. I was not told this would result in a HARD inquiry on my score LOWERING my points. I am furious and would like it removed immediately please. Other places I have shopped around have NOT resulted in a hard inquiry, CHASE is the only one who had and did not disclose it. Thank you.
I'm filing this complaint against wellsfargo mortgage because they have repeatedly not communicated with me on my mortgage application and have repeatedly run my credit, which has resulted in my XXXX  scores going down almost 40 points in one week. 

I have scores of XXXX  XXXX, XXXX was XXXX ( then they ran my credit over 5 times ) and now it is XXXX, and my lowest XXXX was XXXX ( now it is XXXX dropped 40 points ) from all the hard inquiries they did to purposely sabotage me. I '' m enclosing most of the screen shots of my credit and most of the times they ran it as proof. When they wouldn't return my emails or calls, I started to call until they answered me. They told me that they couldn't see my credit and so they kept running it. When I called all the credit bureaus I was told that wellsfargo needed to contact them directly through their business line, because there were profile errors on my reports, causing them not to be able to see it. The credit bureaus told me that wellsfargo should have immediately noticed that the reports weren't coming through and should have contacted them through the direct line open for corporations to establish issues such as what was occurring with me, so as not to cause any drop in scores from multiple hard inquiries. 

Now wellsfargo is denying my mortgage for low scores! Really, I had over the threshold of 600 as my average and now with the 5 times they ran my credit they dropped me significantly. Now they are saying that it requires special underwriting? ON every website wellsfargo states that the requirement for a VA loan is 600 and verifiable income. Both me and my wife make a combined XXXX a year and both have over a 600 in credit scores when you average all 3 bureaus. I have a VA Certificate of Eligibility which backs the loan with federal funds, income, the credit score, and below 35 credit utilization. What is the problem? I'll tell you what it is, an inability to serve people honestly and correctly. Veterans should not have to put up with this garbage. 




XXXX XXXX Mortgage Processor ( SAFE ) NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX ext. XXXX | Fax XXXX
I have attempted to obtain the substantiating documentation to support that the alleged debt Portfolio Recovery is reporting on my credit profile and my requests have been ignored. I have disputed this account with the credit bureaus and Portfolio Recovery and they continue to report the account as accurate. I have not had an account with XXXX XXXX in the past so my request again is for this company to supply all legal documentation related to this account.
In the transition between XXXX XXXX XXXX and Citibank, my balance was not transferred from XXXX XXXX to Citibank completely. XXXX and Citibank sent out notices stating that because of a change from XXXX they would be closing all XXXX related american express cards and transferring the balances to Citibank, their new partner. Although I did not want this I had no choice. Now I find out that Citibank did not transfer the entire balance and would be reporting my account as over limit until. when I questions this the agent stated that he did not know what that report would do to my credit score.
XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services in XXXX 2015. Carrington sent me a new escrow statement indicating that they have decided to collect XXXX of our escrow amount in accordance with federal law. My payment is increasing by {$130.00} a month. XXXX XXXX XXXX never did this and even when an escrow shortage occurred my payment increases were no more than {$50.00}. I am angry that a mortgage company is allowed to get away with this type of treatment. Particularly when the shortage has been artificially manipulated by making escrow disbursements XXXX month before they are due!
Accounts have been paid & the original medical providers have verified to me that I am not in arrears with them as of XXXX/XXXX/16.
During the time from my original date of building my home, father deeded me ( .XXXX acres ) dated XX/XX/XXXX from the XXXX acres he originally purchased on XX/XX/XXXX. I have refinanced my home since the original date of obtaining property, which this took place on XX/XX/XXXX during this time the closing attorney staff ( XXXX XXXX XXXX, XXXX ) did not examine my portion of the legal description ( .XXXX acres ) closely and ending up including the parcel that did not belong to me. 
Sometime back in XX/XX/XXXX my sister made an attempt to mortgage her portion of the property during a title examination, and discovered the mortgage lien was attached to her property. This being said ; has made the entire Mortgage Note ( Carrington Mortgage services ) invalid since it included an executed instrument on a parcel that did not belong to me. 
I have made several attempts in contacting both the mortgage servicer and the attorney in trying to resolve this matter. This has been very XXXX for the past 9 month for both my sister and I with the failed attempts in resolving.
I made an extra payment online through Navient Corporation online bill pay for the amount of {$10000.00} for which I had designated all to go to the principal. Instead Navient Corporation took the majority of my payment ( {$8200.00} ) and rerouted it to my accrued interest. The remaining amount ( {$1700.00} ) was applied to my principal. I contacted Navient about this issue shortly after XX/XX/2014, I was told the online bill pay system allocates the distribution of payment, regardless of how the payor designates payment. Therefore it was projected to me as if this was final and I could not redistribute may payment as it was already processed. This was very frustrating and made me feel at loss. I was living on a limited income with a very large loan amount. My total student loan amount is currently {$210000.00} with an interest rate of 6.8 %. My credit score has taken a hit because I had difficulty making some payments after I had paid such a large amount in hopes of reducing my monthly payments but to no avail my monthly payments continued rise. These practices make it impossible to payoff loans, it makes well intentioned individuals lose hope in paying their loans off.
Have been contacting the company non stop since XX/XX/XXXX. Customer service is the poorest & get different information with every representative I speak with. The collection company is no help & dishonest & when requesting contact with their superiors is a waste because they won't return messages. I requested a payment arrangement & was advised I didn't qualify. An modification was suggested & when I called the number provided to request a packet I was advised I did not qualify. What am I to do at this point & it seems as if rushmore loan management is a problematic company who doesn't listen or truly try to assist consumers. I am positive there ultimate goal is to complicate as many transfer loans as possible so that they can ultimately foreclose & sale for an higher profit.
I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with XXXX. I also filed a complaint with the FTC, which I have attempted several times to upload to the XXXX website per their request, but it keeps crashing.
On XX/XX/XXXX I made a payment to XXXX XXXX. This mortage was then sold to Mr Cooper mortgage company on XX/XX/XXXX. Mr Cooper does not show that I made a payment on XX/XX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from roundpoint mortgage showing that the payment was received. I have reached out to both XXXX XXXX and mr cooper several times over the last two months and have not gotten any response.
My loan has meet all the requirements for deletion of PMI and Fay Services has give lie after lie for reasons on why they refuse to delete PMI. 

* I have no 30 day late payment in the last 12 months * I have no 60 day late payment in the last 24 months * My LTV is 67 % per letter that i recieved from both Fay servicing and previous servicer * Loan is in good standing * I have requested removal in writing several times ( last time XX/XX/XXXX ) * The home is in compliance with all requirements in the Homeowner Protection Act XX/XX/XXXX All the documents needed are in the file that both XXXX Homes and Fay Servicing have. 
Current outstanding loan balance is {$120000.00} and Tax appraisal is {$240000.00}. ( attached )
I requested fund transfer out from my Synchrony Bank joint saving account to an external bank account I had linked up with Synchrony, but Synchrony kept canceling my transfer requests XXXX times without even an explanation or email/letter notification ; therefore, I was unaware of the reason. Because of the delay on Synchrony part, my check bounced and the external bank charged me {$34.00} fee plus the vendor charged me {$50.00} for return check. When I called Synchrony, their customer service reps including a supervisor named XXXX XXXX from the Kansas call center were rude and basically blame me for not setting up the external links properly. I asked them if that was the case why I never got an email, a letter or a phone call from them as a courtesy. They do not have any problem taking my money, but will not allow me to get my money back? This is unfair, misleading and insulting to the customer.
I SUBMITTED A HANDWRITTEN NOTICE US BANK XXXX BRANCH DEMANDING TO CLOSE MY ACCOUNT. MONTHS LATER I RECEIVE DISCRIMINATORY TELEPHONE TACTICS OF DEBT COLLECTION EFFORTS IN EXCESS OF {$230.00} BY A THIRD PARTY DEBT COLLECTOR. MY LETTER STATED THAT THE ACCOUNT WAS TO BE CLOSED AND REMIT THE CLOSING ACCOUNT BALANCE DUE STATEMENT TO MY PO BOX IN XXXX OF THIS YEAR. I SINCE HAVE BEEN HARASSED AND THREATENED BY THEIR DEBT COLLECTORS DECEITFUL ACTIONS. THIS ACCOUNT IS PAID IN FULL. REFERENCE NUMBER XXXX. CONFIRMATION NUMBER XXXX.
FMS called me many times to collect a debt. They claimed that they are a 3rd party source that could set up special payments for me to pay down my loans with myfedloan so I could finish school at University XXXX XXXX. When they called me, I had maxed out my loans so the only way to finish up my last XXXX classes was to get some of my loans paid down. XXXX XXXX called me from University XXXX XXXX today, XX/XX/XXXX to find out if everything is OK with me because they haven't received any money yet. I have made payments to FMS on XX/XX/XXXX for {$680.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for {$180.00} and XXXX  has not received any of it. I was just made aware today that I could pay XXXX  directly.
XXXX XXXX of XXXX, XXXX did a back ground check for XXXX XXXX XXXX in regard to a XXXX XXXX XXXX. They have incorrectly listed a case from XXXX XXXX XXXX XXXX XXXX, XXXX CR XXXX as a felony when it is in fact a misdemeanor, as shown by the Bill of Information and the Termination entry. The matter stemmed from patrons of a XXXX house in proximity to my residence and the associated XXXX trespassing through my property. 

The records are online through the clerk of courts, as docket entries. 

I can fax copies if needed.
This is my secpnd complaint on my account at J.P. Morgan Chase - first complaint # XXXX Chase still has not reconciled my account accurately on XX/XX/2016 a deduction of {$600.00} was taken out of my account because they claimed that on XX/XX/2016 {$600.00} was credited and then on XX/XX/2016 additional {$600.00} was credited this was the reason they claimed they took {$600.00}. I am so so confused my balance still is not correct and their represem\natives can not give me an answer why my balance is not accurate. I live on my pension and ss check, this is my primary account where my insurance, my grandchildrens insurance, my rent and other bills come out automatically I would close account when I can contact the different agencies. This has been very upsetting
We are homeowner with a mortgage serviced by Ocwen. I am a Veteran and retired from XXXX with nearly 14 years in. My story is two-fold, 1.Making payments-Loan servicing, payments, escrow accounts 2.Problems when you are unable to pay-Loan modification, foreclosure Ocwen purchased our loan from another mortgagor. At that time they constantly said our full monthly payment was short bc of fees the previous company took and so Ocwen kept taking our monthly payment and applying it to fees instead of the principal payment and told us we only made a partial payment when we would MAKE NUMEROUS calls to someone in XXXX. This cycle continued on a monthly bases without any warning that we were being set up for a foreclosure scam with XXXX of other home owners. They also had a monthly fee for coming by the house and telling us we did not live there. The kicker here was that Ocwen would never give you their email address and then tell you that they never received the fax from you with the number Ocwen would provide. 
THE FOLLOWING PRACTICES WERE CONDUCTED BY OCWEN SERVICING OUR LOAN. 
1.Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; 2. Charging unauthorized fees for default-related services ; 3. Proving false or misleading information to borrowers regarding loans that had been transferred from other servicers. 
I also went on the Ocwen website and there was a contradiction that showed payments were made in full and not late, so I printed those out. But after I tried to get a credit check to refinance the house, Ocwen then removed the payment history and changed all the information to delinquent on the website and on the credit history. This so discouraged us that when we saw what they did to my credit score and the mortgage rate we were offered we quit and were XXXX. It effected my wife XXXX and I could n't do anything to fix it. 
Ocwen tried to push us into foreclosure by XXXX XXXX. 
Took advantage of us with servicing shortcuts and unauthorized fees. 
Deceived us about foreclosure alternatives and improperly denied loan modifications. 
Engaged in illegal foreclosure practices. 
This lead to foreclosure talks and us fighting to keep our house by get up to date on our payment.
I have a major complain concerning lack of flexibility which exists in corporate structure, more specifically XXXX. After 22 years of marriage on XXXX XXXX, 2014 I was ejected out of the residence I used to live and asked to never return. The XXXX bill was under my name at that time and I kept a very meticulous payment cycle each month. I kept on making payments for several months, even though I was not the recipient of XXXX services provided to the property I was ejected from. I called XXXX several times to have them to either close the account or just transfer the statement to reflect the estranged husband 's name who was indeed receiving XXXX services. Which ever way I tried to reason with XXXX explaining my precarious situation, they just showed no sympathy and no care. The XXXX representative, like a robot with broken record, kept on telling me they can not close the account because I need to return the equipment, as if I was keeping the equipment as hostage for no reason. I asked them to go to the property and retrieve the XXXX equipment, because after all they had physically delivered the equipment themselves and had installed it too. I could not comprehend why they could not undo what they had done before and get the equipment back, since I could not go back to the property and be charged as a trespasser later. 

Finally in XXXX 2014, I paid the last bill and wrote a letter that it was my last payment and that XXXX had the option to deal with the owner of the property, since the equipment was in his house and he was receiving the services as well. After two years, I found out via my bank that XXXX had reported me to the credit bureaus. I contacted XXXX and they told me that I owed them {$550.00} for the XXXX equipment which apparently is still sitting in that property. I paid XXXX and disclosed a letter explaining that with the payment I had absolve all lingering issues with XXXX. 

Never once the XXXX representative, whom I was receiving information regarding where to send the payment to, mentioned about the account being turned over to a bill collector. Shortly after, I received a collection letter from ERC in XXXX, Florida, that they are willing to settle the debt to XXXX for the amount of {$440.00}. I have written a letter to ERC and to XXXX as well and requested not to be further harassed by them, since this is affecting my health adversely. 

From the onset my intention has not been to bilk corporations and services out of their money. I have paid my dues properly and on time. It is a shame that our corporations have not flexibility in their daily operations, all they see is the dollar sign and have no compassion and to really truly try to provide services to the consumer. This is not providing services this is highway robbery.
XXXX XXXX and Experian are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
My credit score dropped from XXXX to XXXX in 1 day with no changes to my credit report. When I called equifax to find out they told me due to factors is why this change could happen. But, no negative changes occurred. It doesnt make sense for my score to drop XXXX points. This is insane.
I am contacting you in regards to a violation of the Fair Credit Reporting Act by XXXX XXXX XXXX and Equifax. I have made several attempts to have the fraudulent account from XXXX XXXX XXXX removed via the original creditor, the company they sold the account to ( XXXX XXXX and Equifax. I was able to resolve the issue with XXXX XXXX on or around XXXX/XXXX/2015, however neither the original creditor or Equifax have removed the fraudulent account from my credit file, even after several disputes providing all necessary documentation including a letter from XXXX XXXX verifying the account as fraudulent. Attached you will find a copy of the letter from XXXX XXXX as well as XXXX " investigations '' from Equifax stating the account is mine even after provided proof and verification of fraud.
I recently checked my credit score for the first time in many years and found an account from portfolio recovery llc.The only loan I have taken out in the past XXXX or XXXX years was an auto loan, which was satisfied in XX/XX/XXXX.I contacted portfolio recovery via certified mail and they sent me information that didn't verify anything. I looked into this collection agency and found that they are known for this type of " zombie '' collections.This has affected my interest rate on a car loan which is why I checked my credit score in the first place.In the response from Portfolio Recovery LLC they show a payment of {$170.00} on a statement : XX/XX/XXXXXX/XX/XXXX. That payment was certainly not from me and have not received any evidence from them that it was. From what I can glean from this company I am guessing they made a payment to keep the ( bogus ) account open and not be affected by any Florida statue of limitations and or in order to re-set the clock for their collection window.