WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar mortgage purchased my loan from XXXX XXXX XXXX. Shortly after I refinanced with Nationstar to lower my MMP and APR. My new payment was {$1200.00}. I recently checked my bank account and Nationstar increase my monthly minimum payment ( MMP ) to {$1500.00}. I noticed that they increase my MMP months ago without informing me. I called and asked for an explanation and they said that it was because my taxes increased. I educated them that it was not possible. They then said that it was because I did n't have enough money in my escrow account. I 'm upset that I never had this problem with XXXX XXXX XXXX in regards to my escrow. I paid into a escrow account monthly and there 's no reason why I should be thousands of dollars negative. This was a miscalculation when my home was refinanced. My annual taxes are around XXXX XXXX dollars and it still estimated to be the same amount this year. Theres no reason for Nationstar to increase my payment {$330.00} unless they failed as a bank. This is causing a problem for my finances and needs to be fixed. I am currently paying more after refinancing then I did prior with a high rate and a higher amount financed. Nationstar is acting like they 're XXXX different banks. My previous loan prior to my refinancing was with Nationstar who purchased it from XXXX XXXX XXXX. However, they are basically saying that it 's a XXXX XXXX XXXX issue and not their fault or responsibility. I put 100 % of the problem with Nationstar. They should have ensure that everything was 100 % when I refinanced and they did not. One month after I refinanced they increased my fixed payment.
PayPal was supposed to remove an old account with them off my credit report. I now have a new account with them in good standing
I pulled my credit from XXXX XXXX and noticed a debt from debt recovery solution, LLC was added to my XXXX report for {$82.00} this was previously disputed and removed on XX/XX/2017 when XXXX reported this same amount from the same source. After contacting them and saying I did not know this debts. no letter was ever sent to me and this keeps coming up on my credit report. 
this is not mine.
Not only did Equifax not ensure the security of so much valuable information, their response has been awful. There seems to be no real follow-up, especially given their generic search tool to see if I have been impacted. The results are untrustworthy. Additionally, they have not done much to communicate the error. To top it all off, many of their executives sold off a bunch of their stock before this story hit the press. Seems a little bit too fishy for coincidence. It is very frustrating that a company with so much precious data would be so incompetent at securing it, especially regarding preventative measures. I have a very busy career, and am also regularly busy in my home life. It is difficult to know that for the foreseeable future I will have to take extra time navigating credit information to monitor all of my accounts more than normal, make sure that all IRS/tax issues are closely monitored, and will be constantly nervous that identify theft can potentially happen at any time, regardless of the precautions that I have taken to avoid it.
Dear Sir or Ma'am, I mailed in a Multiple Inquiry Removal Letter on XXXX 2017 by certified mail in order to dispute information in regards to XXXX hard inquiries that were being reported on my TransUnion credit report. They received the letter at XXXX on XXXX 2017 and they completed the request on XXXX, 2017 ( 2 days ). 

The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a record of companies that obtained your credit information '' etc .... " If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. My wife and I plan to purchasing a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
I have included ALL supporting documentation.
This is a follow-up to complaint XXXX, regarding account fees charged without notice to an account that had become dormant. In their response to my original complaint, FNB changed their story and admitted that they had not sent statements following the dormancy of my account. They admit ( though they denied it on at least two prior occasions ) that their policy is not to send statements for dormant accounts. Thus they can begin charging fees with no notice to the depositor. This can not be acceptable to CFPB, can it?
I opened a Best Buy credit card in XX/XX/XXXX and was granted a {$500.00} credit limit. I have had the card since that time and I kept my balance at approximately {$200.00}. XX/XX/XXXX I received a letter from Citibank who happens to service the credit card telling me that my credit limit has been lowered to {$250.00} due to information reported to them by my credit bureau. I was recently laid off from a job that I held in XXXX for 5 years in XX/XX/XXXX which is why there are slow pays on my credit bureau. This practice seems almost predatory in the sense that I had my balance at a responsible dollar amount and Citibank felt it necessary to lower my limit which now makes my utilization seem inflated. I do n't want them to increase my limit but why would they decrease it and make this line of credit hinder my already suffering credit score due to my unfortunate circumstance of being laid off from my job!
I was completely unaware that there was even any medical debt in collections as i 've never recieved anything from the XXXX XXXX XXXX saying that i owe anything to them, nor do i recall ever incruing any medical bills in the time frame that shows up on my credit report. There are three seperate instances of a debt claimed to be owed by them for XXXX, XXXX, and XXXX respectively. 

The claims were filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am unsure if this is when i was supposed to have actually incrued the debt or if this is when the debt was sent to collections and a claim was submitted, but no matter the case i was never contacted or given notice by them in any way that there was a debt and do not recall ever being in need of medical assistance not covered by my copay at any point prior to the dates these claims were made.
This is a third demand for the unverified items listed below that remain on my credit report in violation of Federal Law. FCRA requires the credit bureaus to have a copy of the original creditors documentation on file to verify the accounts are accurate. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
1.XXXX XXXX CARD SERVICE # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX  XXXX XXXX  # XXXX 4.XXXX  XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7.XXXX XXXX XXXX # XXXX
Ditech lied in their response to my last complaint. There should be no late fees from XXXX as all past due amounts through XXXX/XXXX/XXXX were paid on XXXX/XXXX/XXXX. They were paid the ENTIRE amount they claimed was owed. I have recordings to prove they are lying. They need to try again because I can prove they lied in response to you.
I wrote XXXX to dispute the current and reoccurring charges that are being added to my XXXX account. As of XX/XX/XXXX, I was a loyal customer with XXXX. I tried to pay my bills on time and if Id forgotten to pay it, I paid the late fee without any hesitation. On XX/XX/XXXX, I called in to pay my bill and discovered that my payment was a day late. So I agreed to pay the full amount that included the late fee which was a payment of {$150.00} thinking that I was paying my account balance and the representative told me that I shouldnt receive anything late fees or anything on my account. I asked them if the account assure fee was going to be added and he told me no. He reiterated that I would have NO additional fees. 

So, in XXXX I saw an email stating that I had a late fee balance. I was very upset and I called XXXX credit card center and spoke with another representative. I told her about the conversation that I had with the previous rep and asked her if the late fee charges could be removed because I was a loyal customer and I had paid my balance off. She told me no. I was so distraught and after pleading with her, she told me that there was nothing that she could do. So I told her that I would pay the balance and asked her to close my account. She did not offer any other solutions, nor further assistance. 

I just checked my account today and called XXXX back to your company and I was told that although the account was closed, that XXXX is still allowed to charge me late fees and rack up my bill until I paid all late fees. How can XXXX still charge me late fees on an account that I have closed. And I DID NOT WANT to close my account, thats why I paid the balance off and kept the card active in the first place. 

Now, according to the my previous account activity you can see that I paid, what I thought was my balance of {$150.00} on XX/XX/XXXX and right before that date on XX/XX/XXXX there was a late fee of {$27.00} already attached to the accountof which I agreed to pay. Then four days later on XX/XX/XXXX, I was charged XXXX CENTS from XXXX XXXX ( of which I was told that that WOULD NOT HAPPEN ) and then late fees were removed, but the XXXX XXXX fees kept racking up, causing me to have late fees that I was not aware of. 

Now, I have all of these late fees, have had to cut my card off ( of which I loved ) and keep getting XXXX XXXX fees added to my account because of the XXXX XXXX fee of XXXX cents that was added to the account on XX/XX/XXXX, FOUR DAYS AFTER ID PAID THE BALANCE OFF!!! 

I have requested that all late fees, the XXXX XXXX and all other charges against me and this account be removed immediately!!! I feel that Ive been XXXX by XXXX. I do not have {$60.00} to give XXXX! I have never been treated so poorly in my life!!! In my ignorance and frustration, I closed my account and if this is blocking me, then please reopen the account, but still remove all of these fees OFF OF MY ACCOUNT.
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
I am a victim of identity theft. The inquiries, which appears on my credit report from SYNCB/WALMRT dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
On XXXX/XXXX/17 I discovered Enhanced Recovery Corp had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
I went online to view my credit report for Experian and XXXX and it keeps saying every year I have to mail in stuff when I never got to see the information on report
My husband and I resided in XXXX XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX. From XX/XX/XXXX, to  XX/XX/XXXX, I complained about a roach infestation to management and even wrote a letter to corporate multiple times. I was told the problem would be taken care of, and even after the birth of our daughter in XX/XX/XXXX, the problem worsened. We gave the apartment a 30 day notice that we would be leaving due to pest issues. The roaches were in our walls. Everywhere I turned, there they were and it was terrible! So much so, I found them in my infant 's room, and our kitchen. Shortly after we gave them the notice, our entire stove caught on fire! We were told that XXXX XXXX would take care of all of this and they never did. They are charging us for payments that we do not owe. We have already taken care of this. They have removed it from my husband 's credit but it still remains on mine. I tried to fight them by writing them and calling, and no one has returned any of my calls. This is ruining my credit and stopping me from renting another apartment. I am devastated. I am crying out for help.
This attached document is a " Qualified Written Request '' ( QWR ) in compliance with and under the Real Estate Procedures Act, 12 U.S.C 2605 ( e ), ad Regulation X at 24 C.F.R 3500, and the Gramm Leach Bliley Act and it was sent to the servicer, Statebridge Company, LLC. Also, attached is a letter from the servicer received in response to the Qualified Written Request. Assistance is requested in obtaining a complete, full disclosure rponse to the attached QWR as is our right under the above act.
XXXX   XXXX ,  2017    . XXXX - XXXX  ( CST ). Representative at Navient is  XXXX   XXXX . He has repeatedly harassed me and has been rude to me on the phone regarding payment for my loans. He demands that i make payments over the phone via prepaid card, bank account number, credit card or debit card. I 've explained to him several times that I do not like making payments over the phone and prefer to do an online bill pay through my bank so I can have  a paper trail. He continues to tell me that I should make the payment over the phone and demands a date that I will send  in a payment. Navient has screwed up several payments I had made last year and took OVER A MONTH to refund me the excess amount they took out, which ended up caused my bank account to overdraft and result in bank overdraft fees.  XXXX  talks to me like i 'm stupid and is very unaccommodating.
This Complaint is against PNC Bank. 
In early XXXX 2015 I received a credit card offer in my minor son XXXX XXXX name. He was XXXX years old at that time. Also to add insult I received this mail at my physical address in which I do not receive any mail there for security reasons I receive my mail only at my XXXX XXXX XXXX. 
On XXXX/XXXX/2015 : I called PNC Bank at XXXX and spoke to XXXX XXXX at the XXXX XXXX XXXX and filed a complaint. He just apologized and could not give any reassurance this will not happen again or how it happened. 
On XXXX/XXXX/2015 I received the attached email from XXXX XXXX XXXX Escalation Specialist but to no avail. He informed me of the same above. 
On XXXX/XXXX/2015 I spoke with a lady representative from PNC Bank at XXXX and she could not explain how my minor child was getting these credit card offers. 
Now on XXXX XXXX, 2015 I received another credit card offer in my minor son name at my physical address. 
This is complete fraud. I have a PNC checking account and my son is POD on the account. This is the only information PNC has on my minor son. Why are they sending him credit card offers after I addressed my concerns with them in XXXX 2015. Also why to my physical address when I never get mail here. All my mail in regards to my checking account goes to my XXXX XXXX XXXX.
This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX XXXX.
The debts listed are grossly inaccurate or not mine at all. Please investigate these items and SEND ME THE CONTRACT BEARING MY SIGNATURE of me obtaining these debts or remove them. 
( XXXX Items Total ) Please investigate these items, delete and remove them immediately within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome. Thank you for your time and consideration in this matter.
I filed bankruptcy chapter XXXX XX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my XXXX credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.
I have made several requests for EXPERIAN to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. EXPERIAN has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail on the following dates XX/XX/2018, XX/XX/2018, and XX/XX/18. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX XXXX XXXX XXXX XXXX Bankruptcy Court XXXX XXXX XXXX
Navient is my student loan provider. I also owe from a student loan from a  XXXX  college, the loan borrower is Nelnet. The Nelnet lo an is from  XXXX , this is what I owed then {$3200.00}. I was paying on it for a long time then I started going back to school in  XXXX  to get a  XXXX   XXXX  so I deferred. I still owe {$4000.0 0} on the Nelnet loan, I asked Nelent to  forgive my loan and they denied also. Since I have had  XXXX , they have emailed me about deferring every time I get behind so I defer. What was a  XXXX  loan is now close t o  XXXX . This is because of deferring payments and interest. Today I am behind three months. The beginning of the year I asked for a  XXXX  forbearance for the school year and was denied. Today I looked into def  erring and if I defer again the balance of my loan will be close t  o 70,000. How am I ever to get this paid in my lifetime when the interest is outrageous?
My fiance and I ( XXXX XXXX ) were living in the XXXX XXXX XXXX XXXX, XXXX CT. The XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. The XXXX then sent our debt into collections with Rent Recovery Solutions, during this time we notified The XXXX that they and Rent Recovery Solutions were only permitted to contact us via formal writing. Rent Recovery Solutions ( RRS ) attempted to contact us by phone, which we made aware was inappropriate. We received a letter of collection from RRS and responded within 30 days that " As your client, XXXX and XXXX XXXX " XXXX '' XXXX, has been repeatedly advised in writing, the entire amount of their claim is disputed and will not be paid. XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. '' Our credit scores have been flagged by RRS and we dispute all amounts due. It should be noted that RRS is not listed as a XXXX Agency with the XXXX as of XXXX XXXX. We have told both parties that we are being represented by a lawyer and are disputing all charges.
Please see CFPB complaint ID XXXX and XXXX complaint ID XXXX. I am submitting this because I wanted to submit into the record proof that Capital One 's response to complaint ID XXXX was essentially perjury. I am still hopeful I will be able to recover my funds from them, but I am about to move so I am not sure what will happen. They have still never returned any of my phone calls.
I 've spent XXXX of dollars trying to repair my credit from identity theft and fraud that have happened in the past. I sent several documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information, I 've had cars purchased in my name, XXXX bankruptcy cases filed, phone accounts from XXXX and XXXX. I have a judgement that I have no knowledge of, I sent a XXXX XXXX-search from the secretary of State of Illinois and no debts were on file from any corporation. The reporting agencies are not following lawful procedure. I advised the reporting agencies that XXXX student loan accounts were past the statue of limitations 84 Stat Public Law 91-508 Section 605. The student loan accounts on the report that says paying as agreed and also report 120 days past due with a {$0.00} balance for each account. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. Do you have PROOF of your claim : a contract wet signed, dated, by both parties, with a clear offer, acceptance and lawful consideration? Do you have PROOF of authority : evidence which shows I have given my consent for you to proceed against me and for me to be dictated to by you? May I remind you slavery has been outlawed since the XXXX no free peoples can make demands upon another free peoples, unless one of the free peoples has given that consent to another and PROOF of that consent can be provided in the form of a lawfully binding contract. If you take action from this moment on you MUST be CERTAIN you can answer yes to the above two questions. You will be required to in court. These are the questions asked in documents sent out to the credit agencies and the alleged creditors. I am the creditor and not the debtor for the record. I have full faith and credit according to the Department of State and the Executive Office State of Illinois. They are ignoring the facts and the law.