WillisBack/dataset-financial-user-claim huggingface dataset:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XXXXXXXX XX/XX/XXXX {$81000.00} XXXX   XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX   XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XX/XX/XXXX {$630.00} XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX   XXXX XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XX/XX/XXXX {$19000.00}
I keep paying on my loan and the amount keep going up. My principal when I bought the car was XXXX and thats the same amount still due. I paid almost 8,000 dollars to them so far and my principal never went down. They wrongfully repossessed my car once XXXX XXXX XXXX and that is a wrongful act of the fair debt collection act by Santander.
The federal Electronic Signatures in Global and National Commerce Act ( " E-Sign '' ), 15 U.S.C.A. 7001-7031 ( West Supp. 2002 ), provides that electronic records may not be denied legal effect, validity or enforceability solely because they are created electronically. 
Both the federal E-Sign and ESRA authorize the use and acceptance of electronic signatures and electronic records in commercial transactions, and confirm their legal validity. 
The E-Sign Act establishes that electronic signatures and electronic records are valid and enforceable if they meet certain criteria. See 15 U.S.C. 7001 ( a ) ( 1 ), An electronic signature is " an electronic sound, symbol, or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to sign the record. '' 15 U.S.C. 7006 ( 5 ). An electronic record is " a contract or other record created, generated, sent, communicated, received, or stored by electronic means. '' Id. 7006 ( 4 ). 
Consumer authorizations can be provided in paper form or electronically. Writing and signature requirements are satisfied by complying with the E-Sign Act which defines electronic records and electronic signatures. Regulation E does not prohibit companies from obtaining signed, written authorizations from consumers over the phone if the E-Sign Act requirements for electronic records and signatures are met. 
Specialized Loan Servicing ( SLS ) received my updated profit & loss statement timely ( XX/XX/2016 ) during the loan modification review process but failed to use my updated profit & loss statement in violation of the federal law 15 U.S.C. 7001 ( a ) ( 1 ).
I spoke with XXXX, an employee, on XX/XX/XXXX at XXXX, in regards to my payment. Monday, XX/XX/XXXX, was XXXX XXXX XXXX XXXX, and the banks were not opened to receive my unemployment payment. I explained to XXXX, that I did not get paid on the XXXX because of this, and that I no longer had transportation. She advised me that she would extend out my payment for five days, so that I could send it by mail, and to give me extra time due to negative, below zero temperatures, and that I'd have to walk to mail the payment. On XX/XX/XXXX, I received a voicemail from XXXX, the Vice President of Operations, stating that he had not heard from me since making the agreement. I returned his phone call on XX/XX/XXXX at XXXX. Upon speaking with him, I hold told him that I had spoke with XXXX the previous day, and she'd extended the payment due to weather and the holiday. He said, " I make the decisions around here, and what I say is gospel. You need to get in here to make the payment, or I will file a hearing of assests, issue a bench warrant, and have you thrown in jail. You won't have to worry about being a single mother, if you're sitting in jail. '' This is the second time he has threatened to " throw me in jail '' for not paying him the way he would like to be paid. The last time he threatened me with jail, is because I asked for a payment arrangement, due to losing my job and being a single mother. Again, he also stated, if I were sitting in jail, I wouldn't have to worry about using the single mother excuse.
Numerous calls and letters have been sent and the response is a general letter informing of their practices .... recently inquiry items and an account WITH INCORRECT information were deleted from my report and reinserted without ANY NOTIFICATION .... this is in violation of my fair credit reporting rights ... I have sent letters to have them deleted and nothing has been done ... the account XXXX is reporting INACCURATE INFORMATION which in turn should be deleted for this reason as well as THESE INQUIRIES THAT WERE DELETED AND REINSERTED ... XXXX, XXXX, and both XXXX and these weee all deleted and reinserted with NO PRIOR COMMUNICATION TO DO SO
XX/XX/XXXX I was serviced a summons at my Florida home, regarding a home in New York that was suppose to be settled in my divorce in XX/XX/XXXX. Ex wife was to do a refinancing or sell to clear me from the mortgage and all ties to the home in question. To my knowledge Nationstar Mortgage company which was and still is the mortgage company, helped my ex wife, supposedly to refinance in XX/XX/XXXX. In via a phone conversation to me by Nationstar mortgage staff, explained to me that I was title free and clear from that home. I have no knowledge of ever signing or approving any changes they made with my ex wife. With this said, I have gotten summons for a foreclosure. I have summon documents to support what I'm stating as well as, Nationstar Mortgage crossing out my name in several pages, made my ex wife sole owner and also put on paper that " I AM NO LONGER ON TITLE ''. My out look on this matter is that Nationstar Mortgage has been possibly misleading, falsified documents and fraudulent. This has put me in a situation that will cost me attorneys fees, lost work due to handle this matter and hurting my credit with the credit bureau.
I began work with S & N Debt Solutions to work on settling three credit card accounts that I was not financially able to clear on my own. Two with XXXX were settled successfully. The last account was negotiated with XXXX XXXX from an original balance of {$6000.00} to a settlement of {$3000.00} with payments to begin in XXXX of XXXX and to end in XXXX of XXXX. Payments were directly debited from my checking account each month. Payments were successfully debited from my account each month with the exception of XXXX XXXX. My account did not have sufficient funds for that payment, and the payment was never recouped by S & N. I received a letter from XXXX XXXX dated XXXX XXXX, XXXX that my account had been sold to a collection agency, XXXX XXXX XXXX. Upon receiving the letter, I contacted both XXXX XXXX and S & N on XXXX XXXX, XXXX. I was told by XXXX XXXX that the settlement offer was canceled after three returned payments, in XXXX of XXXX, XXXX and XXXX of XXXX. The agent told me that the notation on the payments was " not authorized '' which indicated the payments were likely canceled by the third party debt agency since it would otherwise show " insufficient funds. '' After calling S & N, I was initially told that the settlement offer with XXXX XXXX was canceled after a returned payment from XXXX and that notes indicated a negotiator was attempting to re-work the offer. Upon being transferred to a supervisor, I was told that XXXX XXXX had actually cancelled the offer after the missed XXXX payment which I acknowledge was missed. However, that is contradictory to what XXXX XXXX tells me, and I was never notified by S & N about the settlement being canceled so I could attempt to remedy the situation. Acccording to my balance history in the account set up for settlement payments, my balance was {$210.00} at the time the XXXX XXXX payment of {$10.00} was made to XXXX XXXX. In addition, the balance on XXXX XXXX, XXXX was {$240.00}, but a payment was not made to XXXX XXXX. S & N refused to send me documentation of contact attempts made to XXXX XXXX on my behalf to make that payment. While there was not a balance in the account to make the XXXX payment, I do not understand why the XXXX or the XXXX payment would have been rejected and/or not paid. I have paid {$660.00} in settlement fees and monthly fees to S & N on this account which has now been turned over to collection for {$5100.00}. I have already paid {$970.00} toward the settlement and would have only owed {$2000.00} if the payments had been made by S & N as expected. I am now faced with a 7 year blemish on my credit file along with a balance that is over {$3000.00} more than I would have paid otherwise.
Ocwen became our mortgage servicer immediately upon our purchase of a 2nd home 11 months ago. 1st we were told to wait 6 months and then send a written request for an Escrow Acct Waiver. We sent our written request after 11 months of on-time payments. Our request was denied. 1st they said it had to be 12 months, then the escalation manager at  Ocwen said XXXX XXXX  's policy was 24 months. Well, I called XXXX XXXX and their escalation manager told me that the " time needed to have an escrow acct was entirely up to the servicer ''. We have no other debt, we have made all of our payments on-time for 11 months, our value-to-loan ratio is very low ( about 25 % loan ), we both have excellent FICO scores, and our 1st home is  mortgage free. 

What is Ocwen 's problem - is it that they want to hold our money interest-free for another year? or is it that they have no idea what they are doing?
I filed a claim of unauthorized transactions from my savings account. Wellsfargo has not refunded the full amount of money despite being a loyal customer since 2002. I was originally told that I would be receiving all of that money back but now am told that is not the case. If I had many suspicious withdrawals, why did n't Wellsfargo notify me? I have also filed a police report regarding this cyber theft.
XXXX XXXX XXXX XXXX-2013 Not my account Fraud account identity theft
XXXX XXXX XXXX, was last reported on my credit file XXXX XXXX, 2015, On XXXX XXXX, 2015, it was deleted and reinserted on XXXX XXXX, 2015.
My Name is XXXX XXXX XXXX XXXX. The current Experian credit report include information from a XXXX XXXX XXXX to include his address, credit information ( inquiries, collections ) and account that is not related to me in any form. I need this information corrected.
I purchased a total of {$500.00} US Ripple XRP 'S in XX/XX/2013 From Ripple Labs Inc. in XXXX XXXX, Ca. They were purchased with funds from my personal bank account through XXXX and placed into a Ripple 's Wallet : there were two or three transactions. It amounted to approximately XXXX Ripple XRP 's. XXXX credited extra Ripples for using their service. 

I was never notified of any changes and trusted this company explicitly to store my funds and be accountable. During the Spring of last year I found that the Ripple Wallet no longer existed. They directed Ripple XRP wallet holders to a new Wallet.  It was located overseas, I believe : called XXXX. They permanently shut their old Ripple wallet site down. 

I have followed all the instructions Ripple gave me on their website and have set up a XXXX Wallet. The migration directions do not work for me. I receive an error message that states my username does not exist. It should exist. 

An instructional e-mail stated I should use my secret key, which I have kept secured. I used the secret key as directed. I received an error message stating my secret key was invalid. My secret key should be valid. I never took any Ripples out. My Ripple wallet was never closed. 

Could you please assist me in receiving the Ripple XRP 's that I purchased in 2013. I will be happy to provide my username and password or the secret key or any relevant e-mails I have received from Ripple or XXXX regarding these transactions. 

Ripple has no way to communicate with customers with the exception of e-mail that does not answer the question as to what happened to my Ripple XRP 's. 

Please help me resolve this matter. 

Thank you!
I had a fire claim for which XXXX XXXX issued drafts in four ( 4 ) different payments jointly to myself and the residential mortgage company, Paramount. Paramount received these checks on the following dates : ( 1 ) XX/XX/XXXX for {$12000.00} ( 2 ) XX/XX/XXXX for {$56000.00} ( 3 ) XX/XX/XXXX for {$950.00} ( 4 ) XX/XX/XXXX for {$1100.00} According to XXXX 's company policy, they are to disburse as follows : For checks less than {$10000.00}, ie. for checks ( 3 ) and ( 4 ), they are to endorse the checks and send them to me within five ( 5 ) business days. For checks over {$10000.00} but less than {$20000.00}, ie. for check ( 1 ), they are to disburse 90 % payable to me within five ( 5 ) business days with the remaining 10 % released upon an inspection showing 100 % complete. For checks over {$40000.00}, ie. for check ( 2 ), they are to disburse an amount of {$40000.00} or 10 % of my unpaid principal balance, less 10 % holdback for final inspection, whichever is greater, jointly issued to me and my licensed contractor within five ( 5 ) business days. 
To date, the only disbursements I have received are related to check ( 1 ) : I received an amount of {$4200.00} on XX/XX/XXXX and a subsequent amount of {$7200.00} on XX/XX/XXXX, leaving a balance of {$1200.00} remaining. For the other checks ( 2 ), ( 3 ), and ( 4 ), I have received nothing. 
Confirmed by Paramount, they are in receipt of all required documentation, including a 75 % inspection report dated XX/XX/XXXX and a 100 % inspection report dated XX/XX/XXXX, in addition to a lien release by my licensed contractor, for which I also have copies. 
Here are the issues to date : ( A ) Paramount is not releasing any funds, is not in communication ( not returning phone calls or emails ), and is not in compliance with policy for disbursement. We are currently owed {$60000.00}. 
( B ) Paramount applied checks ( 2 ) and ( 3 ) to a different account ... They claim this has since been corrected, but I have still not received any disbursements from these checks. 
( C ) Paramount mistakenly sent me a check for a unknown insured party ... for which they have still not sent a return mailing label. 
( D ) Paramount 's latest email communication of today XX/XX/XXXX states that their latest inspection report is for only 50 % completion, yet I received copies from the inspection company on XX/XX/XXXX confirming 75 % and on XX/XX/XXXX confirming 100 % completion.
OnXX/XX/XXXX2017 I went to the Transunion website to lift a credit freeze I had on my credit report. A few years ago I had gotten free credit monitoring from them because of a credit card breach that I had been involved in. I put a freeze on my credit report at that time. I needed to lift the freeze because I was refinancing my home equity line of credit. When I got to the website I could not figure out how to lift the freeze on my account. I was able to login, but every link I clicked on ended up in a request to sign up for their credit monitoring service for {$19.00}. My free service had long since expired and I do not want to sign up for their service for a fee. I finally gave up and had to call their customer service number to get help. They use a call center in XXXX. I have many times talked to people who work at call centers in XXXX and I have always been able to understand them. This time I could not. I finally had to ask for a supervisor because I could not understand the young lady. The supervisor was not much better, but I believe the credit freeze has been lifted. We 'll see. My complaint is that I think it is wrong for them to make it so difficult for you to access your account and lift the credit freeze online. Every link I clicked on ended in a request to sign up for their credit monitoring service for a fee. This is wrong! Please go after them and make them stop this!
XXXX XXXX keeps calling me about a debt to landlord, claiming it was damage to a house beyond the deposit amount. I never had this person as a landlord, nor lived at the address they said I lived at, at any point in my life. I can prove this using signed lease agreements, utility bills and account records, and IRS records. They are also more than welcome to call my previous landlords to confirm I was renting their house during the time I was supposedly living in this made-up house. I keep telling them this, but they either hang up on me when I fight back, or threaten to sue me for this money that I do not owe or threaten to report me to credit reporting agencies.
On XXXX/XXXX/2016, I had applied to open the XXXX XXXX XXXX credit card through American Express. I had applied for this card directly due to the promotional mailer that they had sent me prior. This mailer had promised XXXX XXXX XXXX after {$2000.00} worth of purchases within 3 months of account opening. By XXXX, the total number of purchases had reached {$2000.00}. The terms of service state that the promotional points would be posted within XXXX8 weeks after the spend requirement had been met. It has now been over 14 weeks since then and American Express has still not upheld their terms. 

I had directly contacted American Express at the beginning of XXXX regarding the points via chat. They informed me that I had indeed met the requirements for the points and to now wait. I called again at the end of XXXX, was confirmed that the requirements were met, and then to wait 5 business days. On XXXX, I had again reached out to American Express via phone as the points had still not posted to my account. Again, the minimum requirements for the offer was confirmed to have been met and was told to wait for another 2 weeks. By XXXX ( 14 weeks after the requirements were met ), I had called American Express again and reached XXXX. He confirmed that once again, the requirements had been met ( this is the 4th confirmation directly from American Express ) and to now wait another 2 weeks. 

In two weeks, I would have waited a total of 16 weeks. This is twice the amount of time that American Express ' terms of service and contract regarding this promotion states. 

I have been a loyal customer to American Express. This business practice is unacceptable and will not be tolerated.
I made a loan from the company about a year ago and was not aware of the 800 % interest rate. Just recently i noticed that they are still removing money from my account. I borrow about XXXX and from my bank statements they have not stopped taking payments. I go to the website and they say I still owe XXXX! This place has stolen a lot of money from my acct.
We have been issued foreclosure notices by Wells Fargo on a second mortgage. The reinstatement quotes include lender placed insurance. We have had insurance without lapses for the entire period indicated by their quotes. We have provided them with proof of this on many occasions. They have not corrected it and are continuing on this foreclosure mission. They will not accept any payments from us unless it includes the insurance premiums.
I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about
The agents I spoke to were not only incredibly rude, but also refused to identify what their company did until I verified my personal information. They were harrassing until the point where I verified the information they had, and then they refused to provide me with a bill showing the amount I owed. The supervisor I spoke to ( after being transferred by the first abusive agent ) said that they would be unable to provide me with any documentation until after I paid. I explained that I would not pay until I received notice about what it is I was to be paying ( to avoid shady collection scams ), and was told my account would be documented appropriately but that they had " already sent me enough bills over the years, '' none of which I have received.
I was XXXX in XX/XX/XXXX. I resolved all debts with the hospital. XX/XX/XXXX, 2 years after the incident I received duplicate bills that I had already paid more than a year ago. Upon numerous calls to the hospital XXXX XXXX system. I was told that they have installed a new payment system and it is sending erroneous bills and that I should just disregard them and any automated phone calls I have received. Then I received no other bills and received the debt collection notice in the mail. I have paid THOUSANDS of dollars to this hospital over this incident, and I am receiving debt collection on this {$58.00}?
My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for XXXX paymwnts of XXXX each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX  and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.