WillisBack/dataset-financial-user-claim huggingface dataset:
I was laid off for a while but continuously asked for a deferment every time I asked they gave me an amount to pay not working i could not pay it then i found XXXX called for a deferment they said no I needed to pay a FULL PAYMENT paid it via XXXX XXXX and then called back and said no deferment available because I could pay a full payment. Continued to call over a period of weeks and was told again pay this smaller amount {$300.00} and I could get a deferment then ask to speak with manager and wanted a guarantee I would get a deferment advised no guarantee so i did not pay i was not working had no income had to pay for rent and food for my children then i found work had to wait 3 weeks to get paid called again for a deferment but manager advise no we do not offer deferments anymore at this time just make my payments they have such deceptive practices they lie all the time offering assistance then changing their mind when a customer makes their payment. They are rude and abusive on the phone when they do n't hear what they want. they should be investigated at a lll cost.
XX/XX/2018 - Quicken Loans called me after I was researching on their site. We started talking, then when it came to the credit information I told them not to pull my credit and I am going to wait about 6 months. As soon as I got off the phone I got a notification that my report was pulled from all 3 agencies.
I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, 2016, Ally Financial XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Attn : Credit Bureau Dispute Resolution Unit XXXX Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX, 2016.
I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  inquiry to determine who requested this credit inquiry.
I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and Experian. It is past the  XXXX  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to   XXXX   as well as multiple consistent 120 day late entries from   XXXX   to   XXXX   I have made no payments whatsoever past 12/2008 yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.     I just want to let the CFPB know that the company response is a lie. They sent me a letter to my home on   XXXX   XXXX  . The account number is also incorrect.
amount that was sent to collections was {$1500.00}, collection agency is now looking for XXXX
If he credit reporting agency refused to send me an updated copy of a credit report On changes that were made in my file I sent all documents they ask for and still no response from company
Dear sir/madam, I heard about you through a magazine. your article gave me a hope so I hope you can help me as well. I would like to complain about nation star mortgage. I have bee with this mortgage company since 2007. I have refinanced my house once in this whole period of time. Last year my husband was incarcerated, and I was left with all the financial responsibilities. I have XXXX kids, and I work full time in retail. I have been trying my best to take care of everything. I work long shifts and sometimes I work 7 days a week. I can not spend anytime with my kids. they stay at my parents or sisters during the time I am at work. I tried to get some help from Nations star mortgage. first of all they took forever, the person who was assigned to bring my mortgage amount lower was so hart to get a hold of. he would never contact with me on a timely manner, the time he would provide me with the updates. I was so tired of calling Nations Star. They would never give me a proper answer. I had almost given up. One day I got a letter that I was not eligible. I think they did n't take proper action to solve my problem. I am so furustrated. Please help!!!! 
thank youXXXX XXXX
I never received notification that I was being sent to debt collections. I am in agreement that I was sent a bill however I did make dispute with my insurance  carrier  so I thought they paid the debt. I was never contacted further by the collector that I still owed this debt. I by all means pay all my bills & am willing to pay this too however I was never informed via phone, email or mail that I still owed this debt.      AR Resources (  debt collector ) Reported  XX/XX/15    {$740.00}
My Student Loans Are Serviced through Navient. I am currently in default and wage garnishment, because they have offered me nothing but interest-increasing repayment options, an their desired monthly payments are never within reach for me to pay. Even after I fully detail my finances to them, including medical expenses which I dont think is their right to ask about, they still manage to make the payment XXXX dollars more than I can afford. They have also illegally practiced the collection of my debt, at first using threats, then combining those threats with more abusive language, calling me illegally, calling before XXXX an after XXXX, and sometimes even after XXXX. They have refused to let me switch service agents when the ones I have used were rude, and they still call me harassing me even while they continue to garnish my wages. I paid over XXXX in interest alone this year because of them.
A tax lien was issued in   XXXX   while I was  XXXX  years ago with the state of Georgia. I was stationed in California but will still paying Georgia taxes and was away on  XXXX . It was handled upon my return via certified mail with payment. It was stamped released and I was told that it would be removed from my credit report. However, it is still being reported by the Credit Bureaus. I have attached a screenshot from the Georgia Departmen t of Revenue. I was  told to try this route for help.   Thanks in advance.
I've tried to contact them. All they do is try to sell products to me. No other credit people have done this. They won't answer the phone and they already had a breach. My credit report is so different since then. They aren't cooperating. I have a really good score with all of the others but not them. They keep hanging up and I never talk to anyone. Someone needs to investigate this.
In XXXX I requested verification of this loan with documents signed by me. This letter was accepted by Ditech on XXXX XXXX 2016. I received only XXXX letter in response but no verification. The returned letter is dated XXXX XXXX 2016. As per FCRA XXXX ( a ) ( XXXX ) this company has violated my rights and will not send verification. Ditech did not respond or mark account disputed in required 30 days from receipt of 1st letter, since then I have sent out others with no action done on their part. Attached are copies of my credit report with no comments made by company up to XXXX/XXXX/2016. 
Ditech has violated my rights and the Fair Credit Reporting Act.
XXXX XXXX XXXX is trying to state that I was over 90 days past due on my auto loan. That is not the case. They are reporting to the both XXXX and XXXX negative payment history. I would like this information removed.
transunion and XXXX showing my mortgage closed. i have never stopped making payments. i have copy of payment history up until XX/XX/2018
Reviewed my credit report last week and saw that chase card services was reporting a balance of {$3500.00}. Please produce validation of this account per FCRA regulations.
Dear XXXX Relations : The reason for me filing this complaint is due to Bank of America trying to foreclosure on my property after sending me a letter my loan is paid in full. Furthermore, the court filing is filed under Bank of America ; and not XXXX Mortgage. I am requesting your assistance in doing an investigation into this matter. 

Respectfully, XXXX
rush card promised to have pay roll and government checks direct deposited and posted and available 2-days prior .last week i didnt receive my direct deposit until the day of my pay day. this week i have not received my direct deposit at all i am paid weekly wednesday by my employer but my initial pay day is friday. my employer sent my pay but rushcard has given me every excuse and even hung up on me on occasions because i asked for a set date and time frame i should have my money. they even told me to go to a money pass atm because the money is there i did my balance still says XXXX im behind on bills, i have no groceries, i cant pay my son school fees. i need and want my money NOW or im forced to cancel my services i cant take this weekly my rent is about to br due so is another pay period i refuse to give them XXXX checks that i cant access an use.
I didn't see an option for the issue I'm having so I am describing the issue in this statement. I was notified by collection agency Couch, Conville, and Blitt of my private student loans that they are now attempting to collect a debt on. I received validation of the debt upon my request. Along with my information, the collection agency sent a list of 29 other individuals ' names, ssn, interest amounts on loans, and principal amounts on loans. I believe that this is very dangerous and I feel that if they have sent me other peoples ' personal and confidential information, that they have also sent my information out to other individuals. I feel this is very dangerous and illegal. I am looking for a resolve of the matter because I feel my information may fall into the wrong hands of someone and I'm sure if these individuals listed on the paperwork sent to me knew of this, they would be very concerned also.
I sent the following HIPAA letter to Bull City Financial Solutions : Dear Bull City Financial Solutions, After viewing a copy of my credit report, I noticed two collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 


When they responded they did not supply me with validation but clearly stated verification. They highlighted numbers on the paper and showed proof that they had knowledge of what procedures I had done and on what dates with what provider. I believe this is a violation of my HIPAA rights and they should not have this information.
Equifax security breach has me worried for my family and I. I would like the company to protect my identity. I am not worried just like the 143 million other people who are on the same boat.
I have a personal student loan that was discharged on XXXX. This loan was co-signed by my ex-husband. 
Since then the loan has been bought and sold by several other companies. 
I have now been served with a wage garnishment from XXXX , XXXX , XXXX XXXX XXXX , XXXX . and have tried to work out a payment arrangement although at this point I am not sure if I owe this debt and to whom I owe it to. I have made contact with this company and the representatives have been very rude, condemning and condescending.
Select Portfolio Services is currently servicing my loan with XXXX XXXX being the original mortgage lender. My mortgage loan was modified with the HAMP Program in XXXX of XXXX. I was on a plan to have gradual increases in mortgage payments over a period of 8 years to then have payments stay the same from years XXXX. I filed bankruptcy, Chapter XXXX in XXXX and now my bankruptcy has been discharged. Now that it has been discharged and the mortgage payments are currrent with no arrearages, Select Portfolio has sent me a letter stating that the " Mortgage has been referred for Legal Action ''! 

I am current with my payments and on many occasions the services has claimed that payments were not being made, or either the escrow was short even when I was in bankruptcy! I have paid on all occasions and have paid shortages when they have not been shortages. In addition, based on the modification schedule through the HAMP Program, Select Portfolio has increased the mortgage amount more than the scheduled amount that is due at the time of increase. I have had no luck in getting any remedy or help from Select Portfolio other than them continuing to misallocate my funds and threaten foreclosure when I am current and have been current and I have banks statements to show such. 

I need immediate help and it appears that Select Portfolio goal is to foreclose unlawfully when they are fraudulent in all of their actions to abide by the HAMP PROGRAM. 

Also this modification, states also that I am to give them a balloon payment of {$270000.00}. after year 27 when my new loan amount when the modification was done was XXXX. This doesnt even amortized correctly based on their numbers.l
I went to the bank and was encouraged to open a platinum banking account, as I was told it was a more appropriate match for my banking needs. They left open the old account and opened a new one. I then learned XX/XX/XXXX that the bank, without my written or verbal permission, at the same time also opened a line of credit directly linked to my bank account. Due to the multiple accounts and confusion with which account was being debited, there were charges which overdraft one of the accounts. Instead of covering the overdraft with another one of my bank accounts which had plenty of available funds, they instead paid the charges using this line of credit I was completely unaware was ever even open. I never received letters about this either. I found out years later that I had a balance of over {$2500.00} in this line of credit thanks to the over 20 % interest rate. I never would have agreed to this line of credit, never signed for it, and it was opened completely against my will and without permission. I let the bank manager know of the situation and asked that she investigate the matter and try and get the interest waived or at least partially waived given the fact that it was opened without my consent. I even provided the paperwork I was given when I did open my account and it shows nothing of this line of credit. After waiting until XX/XX/XXXX for this to be investigated, I had received no assistance so I paid the balance in full and asked that they continue to try and handle this. I found out today that they not only did n't follow up on this matter or contact me but never even closed the account. I asked that it be closed and that a credit be made. I am willing to bet that US Bank opened hundreds in not thousands of these lines of credit without ever notifying customers or getting their permission. US Bank has probably made an enormous amount from interest from accounts they opened with no permission or knowledge of their customers.
During an account migration conducted by Macy 's Retail Credit Card Services. I was unable to make my online payment for XXXX consecutive days. As a result, my pristine credit rating was impacted by what was recorded as a " late payment '' for the merchant 's inability to manage a service migration among its banking vendors. I notified Macy 's of the problem. I subsequently was read a " notice to collect a debt '' statement which never applies to me and never applies to my account with Macy 's. 
During the economic downturn, a sales associate at Macy 's opened an AmEx credit account under my name without me requesting it. This resulted in another line of credit which I did not authorize and never utilized.
I opened an account at BB & T bank in order to be able to manage my social security banking. I was sent an official check but the Treasury Department and my check was put on hold for over a week. They said its because I have a new account but I tried to make a deposit at the atm and my account has been frozen until the hold is taken off of my account. I have been in contact with the bank and each time I try to fix it the situation seems to become worse for me. This company is holding my funds hostage and its a shame. Im am on XXXX and the stress of all of this has become too much.
Filing CFPB complaint on Experian. Experian is currently reporting an account in my file called : XXXX XXXX XXXX # XXXX. The original creditor is XXXX. This account is in collections but I was not informed by the original creditor ( XXXX ) that it had gone into collection and had no idea until I noticed it on my Experian credit report. I dispute this account 's information and feel that its record keeping and documentation of payments is so excessively bad and demonstrably inaccurate so as to be unverifiable. I am attaching a copy of my report with the disputed account information circled for you convenience. 

If you open the report and scroll down to page XXXX, you will see the account named XXXX XXXX XXXX # XXXX ... I had been making timely payments double the amount required for many months until I learned that they were not crediting the payments I made to the account. You ca n't see many months of the payments that I made because the data is not in the report and it makes no mention of the months that I had the account prior to XXXX XXXX, 2014. 

Therefore, I dispute the reporting of this account in its entirety. I believe it is not fair for Experian to continue to publish credit data which is damaging to my overall credit history when that data is evidently inaccurate. If anyone at Experian was doing their job, they would have noticed a payment date of XXXX XXXX is listed no less than 8 times. The first time XXXX XXXX is given as the payment date, it shows my payment of {$300.00}. Then, the subsequent 7 times, it says I made no payment on XXXX XXXX. 

This data furnisher 's record keeping is questionable at best and Experian is required ( by the FCRA ) to delete information they are reporting which they know ( or have reason to believe ) is erroneous and it clearly is in this case.
I recently started to check my credit, and noticed some collections on my report. I paid a credit repair company to address the matter .XXXX started sending letters on XX/XX/2017 to Preferred credit has not responded about the # XXXX as well .I would like them to show a wet ink signature that we indeed have a contract, if not remove this from my credit report, because it is reeking havoc on my ability to acquire credit.
Inquiries XXXX company report 1 ] XXXX XXXX  XX/XX/XXXX 2 ] XXXX XXXX XX/XX/XXXX 3 ] XXXXXX/XX/XXXX 4 ] XXXX XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXXXX/XX/XXXX 7 ] XXXX XXXXXX/XX/XXXX 8 ] XXXX XXXX XXXX XX/XX/XXXX 9 ] XXXX XXXX  XX/XX/XXXX 9 ] XXXX   XX/XX/XXXX 10 ] XXXX XXXX XXXX  XX/XX/XXXX 11 ] XXXX XXXX  XX/XX/XXXX12 ] XXXX XXXX  XX/XX/XXXX 13 ] XXXX XXXX XX/XX/XXXX Already I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue
First Issue is that, when pulling my report, I only received a report from Experian. I DID NOT receive reports from the other two. ( XXXX  and XXXX ). 

Second issue is with Name. Every since Ive been XXXX XXXX XXXX, Ive NEVER used XXXX XXXX which is included in the Experian report. AND ... 

Is there a reason as to why I wouldnt receive a report from when I was XXXX XXXX ( maiden last )? 
To clarify, I did not receive any reports for the years earlier than XX/XX/XXXX or when I was XXXX XXXX. 

Thirdly, under Addresses, I have never lived in Oregon, yet there is an Oregon address on my report. Why? 

Is there a reason as to why my Report only dates back toXX/XX/XXXX?
My wife and I now just have to wait to become victims of identify thefts along with XXXX XXXX other Americans for the rest of our lives thanks to Equifax and its XXXX security breach that has been just announced by them as having occurred from XXXX through XXXX of this year. 

In accordance with the recommendations of experts, we have obtained the services of a credit monitoring service and have frozen our credit with all XXXX credit reporting agencies at a cost of {$29.00} per month, each, as well as a fee of {$10.00} each, per agency, to " freeze '' our credit reporting with them. The breach is obviously a separate matter entirely but to have to pay a fee to each of these agencies to freeze or unfreeze credit with them on a service consumers can not opt in or out of seems unavoidable and abusive in light of recent events ( a clear UDAAP violation for those of use working in regulated financial institutions XXXX. 

The CFPB needs to also refocus itself to protecting consumers from UNREGULATED participants in our financial services industries such as credit reporting agencies and others that in additional to selling products also maintain private personal information. First and foremost with regards to " protecting '' consumers the CFPB should look to ensure that these unregulated participants are subject to the same level of scrutiny and audits that XXXX and established regulators like the FDIC and XXXX do in some many areas including cybersecurity with regards to banks.