WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and XXXX  over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and XXXX  reached an all time high and I became XXXX XXXX XXXX XXXX XXXX as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an XXXX  report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.
I tried to contact my bank about the new loans that help with payment shock. Nation Star has failed to answer my question. What I do get is loan officer 's that say they are n't sure about that program but they will refinance me. In fact, Payment Shock Refinancing was listed Under Frank Dodd as an option that banks could use for refinances under the new ATR rule. I have emailed and called several times, starting with the XXXX email on XX/XX/XXXX, then continued to email them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This does n't include the phone calls I have made with the promise to look into the question and get back with me. 
The wrote me back and said that payment shock was an industry term and they did n't know what I was talking about. When I cut and pasted exactly what was in the guidelines they said it would take 30 days to get back with an answer for me. I wrote them well after 30days and they said they were sorry and that they were having a loan officer call me. They still did n't answer my question on if they do this type of loan. I had spoke with several loan officers and they did n't know what I was talking about. I have never received an email or a letter in regard to my question but I have gotten calls to just do a straight refinance, which does n't help me. I need the payment shock refinance as my income last year was lower and I do n't qualify. Plus, I read that under this rule the banks have the option of giving me the same rate and terms as an A+ borrower. 
Nation Star Mortgage is my bank and they have given me no help or guidance and my loan is getting ready to reset and I am afraid what the rate will jump to.
XX/XX/XXXX I opened an account with Bank Of America and I tried to take my money that I put in my checkings account out at the ATM and nothing came out so I filed a complaint and got my decision and the said they couldnt find an funds and that I took my money out but it isnt true or else I wouldnt have filed a complaint and now Im out of XXXX dollars this is unacceptable and I wanted to know can you help? Im thinking about a lawsuit because this is ridiculous.
equifax refuses to remove account numbers XXXX,XXXX,XXXX,XXXX,XXXX from adverse accounts section of my credit report. these accounts are in defferment/forberrance and are seven to ten years old. verbally a exufax customer service represenative stated that the servicer of these accounts reported a missing payment. upon reviewing my equifax report. report confirmation number XXXX all of the above accounts have payed as agreed in the remarks section. Equifax website will not allow me to dispute these accounts indicating my session has timed out after numerious attempts. account # XXXX has been placed in the in collections area of the report. this account was included in bankruptcy that equifax has discharge correspondance and was not on the previos report.
My concern is that I was scammed and taken advantage of during the process of this mortgage loan, my concern is that XXXX XXXX the real estate agent friend XXXX XXXX the loan originator at Academy Mortgage. My concern is that XXXX was dealing with unethical people to get this home that was very toxic to me and my family and the home has/had severe black mold in the home. The FHA loan should not have been funded because the house had severe safety and health issues that the financial lender should have complete a full home inspection to make sure that the home met the safety and health concerns of an FHA loan. The assessment of the home was not properly evaluated and overly assessed at XXXX. The family and I had to move out because of the severity of the health and safety issues this home caused. The home inspection was not completed by XXXX or her financial institution.
I believe paypal is scamming me. A few months ago I made some purchases on ebay and used PayPal to purchase items. After quite a few purchases I started receiving bills in the mail from PayPal for paypal credit. I did not sign up for this service and expressed that to them but all they would do is cancel the service. My bills from them are stacking up. Please help me.
Inquiry I never authorized and I was not aware of. 
This is the inq. reporting on my XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX
I was injured XXXX and I have a worker 's comp claim # XXXX date of injury XXXX/XXXX/XXXX I was going to University Hospitals here in XXXX, Oh. and because the clerks did not put correct medical codes on these bills Worker 's Comp refused to pay These bills are dated between XXXX and XXXX. 
++these bills are over 10 years old XXXX they should be removed from my credit reprt
I have the first access credit card by total visa. I have had this card for over 6 months and have paid my bill every month. I asked for a credit line increase even it was a small one and the last three times they refused. I make enough money I am trying to improve my score but I cant do that with the current limit that I have. I have been a good customer they need to raise my limit. I am frustrated that they used computer software to determine approval or not. What happened to the old fashioned person looking at the account. I am disappointed and frustrated with this company.
CMRE Financial Services Inc Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXXXXXXXXXX http : //www.cmrefsi.com Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE Financial Services Incor any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE Financial Services Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I am a cosigner on a car that is up for repossesion. The financial institution ( FNS financial ) is calling me three times a day, threatening to file a criminal warrant against me for non payment. They are calling my job, I have advised them I do not have the money. They are continuously harassing me. This is a civil problem, not a criminal problem, and calling me three times a day is n't going to fix it.
Debt was paid with XXXX XXXX XXXX and they said they would remove from credit report. Still not removed years later
I would Like to open a complaint on behave of Equifax credit reporting agencies I asked them to send me a copy of the Orginal SIGNED contract for XXXX XXXX XXXX XXXX and a XXXX late Payments and ALL CREDIT Inquires that is more than 30 days old with my signature on file and they failed to do so. They sent out a letter to me starting that they do not keep that Information on File. I WAS VERY SHOCKED THAT THEY STATED THAT THEY DO NOT KEEP THIS INFORMATION ON FILE 1 THIS IS A FEDERAL LAW THAT THEY HAVE TO KEEP THE CONSUMER DOCUMENTATION ( credit application in there Physical possession at all time and I have the right to ask for this Information and they are and should provide this Info when asked about THIS IS PART OF THE FCRA 609 ( A ) ( 1 ) ( A ) AND THE SEcTION 611 ( A ) ( 1 ) ( A ) it is against federal law for them to report information on a consumer Like Myself without that. CAN NOT REPORT THIS INFO AND IT MUST BE PROMPTLY DELETED I 'M Fully aware that each creditor MUST send this Info to each of the reporting agencies In order for them to report information about the consumer As you can see from the attached Letter Equifax already admited that they DO NOT HAVE THIS INFO SO IT MUST BE DELETED THIS IS A FEDERAL LAW AND EACH OF THE REPORTING AGENCIES MUST OBEYED BY THIS LAW XXXX XXXX XXXX LATE PAYMENT PLEASE HAVE THIS ITEM REMOVED ASAP XXXX XXXX 30 DAYS LATE PLEASE DELETE THE LATES INQUIRES PLEASE REMOVED ANY INQUIRES THAT IS 30 DAYS OR MORE OLD. 

THANK YOU SO MUCH! 
XXXX XXXX XXXX
I have had many issues with US Bank, but this is the icing on the cake. 
US Bank continues to charge fees and allow transactions that should not be authorized to go through on my account. I cant even begin to explain how many times I have had to call to complain about my accounts. Last month, an unauthorized transaction of XXXX went through on my account and a check to the XXXX was sent back ... they never refunded me for the NSF I was charged. Today, US Bank sent back a check that was cleared on my account tuesday. I explained to them that when I checked my balance on their MOBILE app, that my balance reflected as XXXX number and that after that check went through that there was still funds available. The rep told me me not to depend on the mobile app because it is not accurate ... which is contradictory information. The check showed as cleared on Tuesday XX/XX/2017 and there was a pending XXXX from XXXX. They sent back the check and cleared the XXXX hold which ended up being XXXX. I cant get anyone from US Bank to admit that this was there error and they charged me a fee today and will not refund it. I continue to have issues with all of my accounts as well ...
My mother has a reverse mortgage on her home. The mortgage was sold to Champion Mortgage and since then they 've harassed my mother constantly. Now they say that she is dead and the loan will be due and payable and they will foreclose on the home. My mother is very much alive, and was even interviewed on camera today, from our local news station XXXX. They 've been very cruel to her on the phone, and would not tell her, or me ( her daughter ) how they came to this conclusion. The stress that this has caused my mother and family, is too much.
This is debt belong to my son XXXX XXXX who passed away on XX/XX/2016. The Bank of America used the collector agency XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Tel XXXX. In the amount of {$890.00} Ref # XXXX. Turned over this debt to my name, who is the father. 
My name is XXXX XXXX. I do not have anything to do with this debt or any knowledge at all. I Do Not co signed anything on this debt. I already sent out his original death certificate to Bank of America notified, verified after his death. XXXX XXXX sent me Certified letter that the debt {$890.00} was once belonged to XXXX XXXX now is be under my name XXXX XXXX. Why is that? 
Do I have responsibility to all my kid ' s XXXX Till I died too? 
Sorry to say, I have been paying his life insurance all this time, did not know I paid for nothing because he was over XXXX years old. 
Now for this I did nothing, XXXX
have contact all 3 major credit bureaus and XXXX  XXXX  in regards to account being invalid reporting late payment I have a letter from company it has been submitted to all 3 bureaus and they still refuse to remove late payments. I have never been late my loan with XXXX XXXX  is current and paid as agreed since I entered contract up to this date of XX/XX/18. would like credit bureaus to remove late payment remarks
Loan was sold from XXXX to Pioneer Credit. They have called countless times and not left messages and when I call the number ( s ) back I either am on hold for over 20 minutes with no answer or I get a message saying the number is no longer in service. However my biggest complaint ( s ) is that they called my church and demanded the secretary to speak with me ( I do not work in my XXXX ). They have also called a nonprofit organization that I sit on the board for twice, once leaving a message and the other lying to the secretary stating that they are old friend from the past and have important paperwork that was sent to them by mistake that they need to forward to me.
Equifax Information Services reinserted information regarding an account with XXXX XXXX XXXX in the amount of XXXX for cable services that were never rendered. This information was removed in XXXX 2015 and was reinserted under a different collection agency name on XXXX/XXXX/2015. This information needs to be removed from my credit report as it is in error as these are charges for a service that was never provided.
on  XXXX   XXXX   Capital one  received a ceritifed letter from me requesting validation on this debt for the amount of  XXXX  that shows charged off. As of today i have not received any notification of any sort regarding this validation of debt showing my signature. In looking at my credit report today,  XXXX  does not show this marked disputed ( in violation of law ),   XXXX   says resolved by grantor ( my dispute was never answered ). How did they resolve it?  XXXX  s hows notes resolved by subscriber ( my dispute was never answered ), which has never been resolved. The information Capital one has given the CB (   XXXX   XXXX   XXXX   ) are false, as this has not been resolved.
I was given a deposit from a customer in the amount of {$4400.00} and before depositing it ( I could have cashed it at his bank ) the teller informed me that it would take 2 business days to clear and that {$200.00} would be available the next business day. So after getting a receipt saying the same thing I made arrangements with the customer to start Monday. Now I 've been informed that they put a security hold on my deposit and took back my {$200.00} deposit on this check so now they added 6 days to the time my check will clear with no reason why and wo n't do anything to expedite it. I 've called the customers bank to verify funds and now I 'm at risk of looking unprofessional for not showing up on the day we originally agreed to. What if anything can I do to take legal actions for the misinformation I was originally given which has lead to bad business practice at the hands of boa? I will be closing my account and changing banks as soon as my deposit clears I 'm just glad I did n't open a business account through them that would have been a huge mistake
AR RESOURCES INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX told them account was not my no response was giving
Midland funding is reporting a collection for an account ( Account number XXXX ) that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.
I paid a bill using SunTrust 's online bill payment. I received an email the next day saying I was now enrolled in their " ebill '' program and would no longer receive paper bills but have my bills emailed to me. I DO NOT WANT this and did not authorize them to do this. I called ( and was on hold for over 15 minutes ) and spoke with a rep. They said they could not cancel this. I told him I never enrolled or wanted this service, they gave it to me. He refused to cancel this and I asked to speak to a manager His manager, XXXX XXXX, got on the line. I explained to her SunTrust enrolled me in this service, I did not want it, and I wanted it cancelled. She refused to do so. I informed her I would be filing a complaint with the CFPB, With what happened with the XXXX XXXX unauthorized accounts I am shocked that another Bank would be engaged in practices like this today. I can not believe a Bank would enroll me for a service without asking for my permission or authorization and then refuse to cancel it. I want the EBill program cancelled on my account asap.
I received a call and letter from a company trying to collect a debt from me, originating from a company named " XXXX XXXX XXXX ''. I have never had nor entertained a home security system, however somehow, this company had my social security number, name and apparently ... forged my signature to complete a loan for someone other than me in a completely different state. Even though I stated to them on the phone that this is obvious fraud, they have reported to my credit reporting agencies and this is still unresolved. The company collecting this debt treated me very poorly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA-XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One, Capital One Credit Card # XXXX I requested early assist customer service plan on XX/XX/XXXX and I got approved later dated on XX/XX/XXXX. 
( Letter attached your reference ). as per letter my APR 7.40 %, Monthly Minimum Payment {$92.00} and program terms apply account 2 billing cycles. 
Now already 3 billing cycles has been completed and APR 7.40 % not apply my account ( XX/XX/XXXX Statement attached your reference ) I called yesterday ( XX/XX/XXXX XXXX PCT ) Customer Service number XXXX and answered XXXX and I inquired about APR reduction my account and he said he can not see any letter issued on that day and I have to call Payment plan team on tomorrow. He not treat as a valued customer and I felt discrimination. 

I called today ( XX/XX/XXXX XXXX PCT ) Payment plan customer service number XXXX and Answered XXXX   and I inquired about why not apply reduction APR my account. 
He treated me so unprofessional and he didn't give positives feedback.He also says I don ' know what happens and he will follow up. 
I felt what happen Capital One.and it's seem like scam. 

Please investigate this issue and please adjust APR Reduction and Refund interest charge my account. 

Thank you XXXX XXXX XXXX
We paid off our Mortgage with Seterus in XXXX of 2017, we refinanced with a different lender. The account after 6 months is still reporting on our credit as open. We also never received our refund from Escrow and they have promised to mail us the details over and over but can not tell you on the phone. Now they are reporting on our credit as late over 30 days and we do n't owe them anything or have an account that should be open with them. When you call you get the same thing ... they say they used are escrow to pay our bill in full.. Does not make any sense. Now they want to report negatively now since I have inquired why my account is still open
I got an alert that my balance went up on all my loans .... ( Navient ) An alert came to my credit report about increase.
CRA ... XXXX AND XXXX ... REPORTING INCORRECT XXXX XXXX XXXX DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA  REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623
I have a judgement from XXXX for a vehicle purchased for XXXX thru Chrysler Credit from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been diagnosed with XXXX called XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, Chrysler does not even have a record or account with my name on record anywhere.
I attempted to file a dispute about an inquiry on my Equifax credit report. They referred me back to the company that made the inquiry, XXXX credit. I disputed the inquiry with them and they sent me a letter stating they could not remove the inquiry and referred me back to Equifax. XXXX claims it 's for some type of credit I applied and was approved for, {$1500.00}, but provided me no proof of such application. XXXX states the lender for pay pal credit accounts is XXXX XXXX XXXX. I never received information from them about the alleged account. This account was opened without my knowledge and not by me. I want the alleged account closed and the inquiry removed. XXXX and Equifax have the date of the inquiry.