WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX  continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
I have a loan with XXXX XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian, XXXX   and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
There are 6 inquiries listed on my transunion and XXXX report that I DID NOT authorize. I called transunion and XXXX to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Dear Sir or Madam : I am writing to dispute the following information in my file. I pasted the dispute below. 
I am requesting that the item be removed or explained with evidence of an actual debt owed to correct the information. This debt of {$100.00} is not unknown to me but also seems unlikely as I have insurance for many years. Please provide the date of service and any information you may have as this debt seems erroneous. 
Please reinvestigate this matter and delete or provide evidence that the disputed item is valid as soon as possible.
Good afternoon. I'm writing to you today, with the hopes that you will assist me with the finalization of my permanent loan modification. My trial modification plan was completed, after I made my final payment, XX/XX/XXXX. 

Caliber Home Loans has NOT completed the final modification and I've spoken to them on XX/XX/XXXX and today, XX/XX/XXXX - each time I've called, I'Ve been told a different story - that they were waiting for escrow analysis, that they were running title and lien, Etc. 

All of this is supposed to be completed during the final month of my trial modification plan and, as of now, my wife and I are extremely concerned that it will be completed.
I was approved for the income based repayment plan XX/XX/XXXX. Great Lakes continued to bill me at a standard repayment rate. I called each time to tell them it was wrong which they ignored. They eventually told me I had to reapply to the income based repayment. I did what they said and was approved, again, XX/XX/XXXX. However, they continued to charge my accounts interest from XX/XX/XXXX through the present even though they continued to have my payments wrong preventing me from making a payment without the risk of accepting what they were doing. On XX/XX/XXXX, I spoke to Great Lakes again, and they deny that I was accepted and refuse to correct the interest they charged me which is now over {$10000.00}.
Experian refuses to properly report student loans with XXXX and XXXX as being paid in full, closed, in good standing, with zero balance. These loans have been discharged by the XXXX and XXXX, and I have communicated this information to Experian and provided documentary proof. Yet Experian continues to fail to properly report these loans. I am once again attaching proof.
I was looking to get a scooter with the cash I had on hand somehow I ended up with a motorcycle with a {$10000.00} price tag. The sales person got a credit line of {$10000.00} for me from the bank. the bank was capital one and XXXX XXXX. I know it was my fault, to begin with, to trust these guys, I didn't realize until I realize that I have to make the monthly payment on a motorcycle that is not even suitable for me. So I contacted the bank and asked them to take the motorcycle away and to settle the account. I tried over and over again but they never showed up to pick up the bike. I had cash {$3000.00} when I first started looking for a scooter but at the end, I ended up with a {$10000.00} debt. I even asked them to let me sale the vehicle to someone, but they will not release the lien. 
if you need more account detail please let me know.
On XX/XX/18 a dispute was sent to company regarding XXXX XXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Calls began on  XXXX   XXXX  for a debt owed to another individual. I have received cal and messages on  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX .     I sent an email on  XXXX   XXXX  to stop calling my number as I was not the person they were attempting to reach. Then called on  XXXX   XXXX  and they proceeded to tell me they have no record of calling my number and proceeded to check if I had any debts owed instead of resolving the matter. Then I emailed again on  XXXX   XXXX  to stop the collection calls
In a nutshell, Citibank Mastercard has charged me {$100.00} in late fees for an XXXX cent underpayment. In essence, my minimum payment was {$60.00} and was being automatically paid each month by my bank through their automated bill payment service. This was all working out until Citibank increased my minimum to {$60.00}, which I was n't made aware of because I moved and did n't receive my bill and did n't know for 3 months that my minimum payment increased by XXXX cents until today when a representative called me to inform me that as a result of this XXXX cent underpayment, I had accrued {$100.00} in late fees. I asked her to waive the fees since it seemed ridiculous to charge me {$100.00} for an XXXX cent discrepancy, which I was not made aware of due to the fact I moved and did n't get the bills. This rep informed me that she could n't waive the fee and transferred me to another dept who could n't help me either and then eventually, I was transferred to a supervisor named XXXX. XXXX was rude and not willing to help at all. She refused to waive the fee even though {$100.00} is an excessive amount to charge for an XXXX cent discrepancy, especially for a customer who is never late with her payments and who never received the bill or any notification ( until today ) that my minimum payment increased by XXXX cents. XXXX informed me there were XXXX lates fees charged, the first late fee they charged me was {$27.00}, the next was {$37.00} late fee and the next was another {$37.00} late fee all due to an XXXX cent discrepancy with the automatic payment being issued with my bank. Again, it 's not as though I was n't making a payment, it was that my payment was XXXX cents short and believe me if I had known, I 'd have my bank issue XXXX instead of XXXX. XXXX cents is not going to make or break me but being charged {$100.00} in late fee charges is criminal in comparison to this XXXX cent oversight. Thus I am humbly requesting help from you to have this company waive their ridiculous {$100.00} in late fees over XXXX cents, because I believe their bank practices are unfair, unethical and outlandishly criminal. Also, the Citibank supervisor XXXX refused to waive any of the fees despite the fact the bills were sent to the wrong address and refused to provide me with the name or address of their complaint department. I am sick with this company and cancelled my card as a result.
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$3500.00}.
I will like records of why did you take more than XXXX figures out of my account and close it. I was away and could not claim. The account number is XXXX. My request is to refund the fundsyou took away with out explanation and to reopen a new account in Wells Fargo Florida.
Although my FICO score is at or above XXXX, XXXX XXXX reporting agency caused my loan application for work vehicles to be denied two times by reporting a credit score of XXXX. Their online explanation reflects a different set of criteria used in developing the score, but lending institutions are either unaware of this difference or choose to not inform their staff. My credit report obtained from XXXX XXXX reflects zero late or missed payments and a minimum of debt to income, yet their low score is affecting my ability to operate my business in a competitive manner by reducing my lending options and most likely causing me to pay a higher interest rate than I should be paying. 
Something needs to be done to address this company presenting itself as a standard credit reporting agency when it is not.
I attended XXXX University in XXXX Florida. They called me several times and pursued me to attend classes. I believe they preyed upon a person who did not know what to do. They had me sign all these documents without explaining that it was going to cost me {$24000.00} for a few XXXX classes since I already had an XXXX degree from XXXX XXXX College. I believe this University is a scam and is overcharging students while engaging in predatory practices to get them to enroll. please help.
Dear Representative, I just cancelled my XXXX XXXX that was issued by Synchrony Bank. The reason is they blocked my access to their web site so I could not make online payments. They said they did this because I had a {$25.00} outstanding balance. It is my belief that a credit card company who blocks their customers ' access to the website where they can make their payments is sleazy and has no integrity. Since XXXX made this card available to me and because the XXXX logo is on the card, I am changing my shopping habits. Until now, my first option for online shopping is to go to XXXX and pay with XXXX. From now on, all of my online shopping will start with XXXX and continue with other online businesses. XXXX and XXXX are now my last resort. I will only look for items to purchase on XXXX if I can not find them somewhere else. 

Sincerely, XXXX XXXX
Nationstar Mortgage LLC d/b/a Mr. Cooper has been misapplying payments and reversing them and then reapplying them but causing a higher interest charge than when they were initially scheduled to be applied. 

On XX/XX/XXXX I made a payment for {$2000.00}, {$1100.00} for my normal monthly payment and {$900.00} for an additional principal only payment. The payments were both reversed and then reapplied. Then the {$900.00} principal only payment was reversed again and then applied to escrow. 

I then made a {$1500.00} payment on XX/XX/XXXX, {$1100.00} was for my monthly payment with an additional {$400.00} as a principal only payment. The monthly payment was applied XX/XX/XXXX as XXXX to principal, {$520.00} as interest and {$330.00} to escrow. The principal payment of {$400.00} was also applied. Then on the same day both the monthly payment and principal payment were reversed. They were both then reapplied. However, this time the monthly payment was applied with {$260.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. 

By them removing and reapplying the payment it lowered the amount I was paying down on my principal and increased their interest earning by {$2.00}, which will be even more over the life of my loan due to the higher balance after this payment. 

Then, on XX/XX/XXXX I made a payment of {$1700.00}, {$1100.00} to my monthly payment and {$570.00} to principal only. This time the monthly payment was applied with {$270.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. The {$570.00} payment was applied to principal only. Then again, on the same day these payments were applied, XXXX, they were reversed and then reapplied. This time the monthly payment was applied with {$270.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. 

This time the principal and interest difference was {$2.00}, in addition to the added interest I will be charged over the life of the loan. 

The next time I made a payment was on XX/XX/XXXX, I made a total payment of {$1900.00}, with {$1100.00} for the monthly payment and the remaining {$820.00} going to principal only. This time they applied the entire payment of {$1900.00} to my principal only. I then had to call them and have it corrected. But instead of applying it as I had scheduled it they applied it all to escrow. After contacting them yet another time they reversed the payments from escrow and applied the XXXX payment as {$270.00} to principal, {$520.00} to interest and {$330.00} to escrow. Which I have no doubt caused less to go to principal than it would have if applied correctly the first time. 

I have no doubt that this is an abusive practice to cause those that are attempting to payoff their mortgage early to pay more interest and have their loan open longer than planned to with the added payments and early payments.
I paid a credit card deposit of {$200.00} for a secured credit card. I closed the account due to the fees assessed to my account during my financial hardship. I received calls regarding my account, during my unemployment period. I was actively seeking employment, and once I found a job I called the company to see I could arrange for a settlement. Once I reached a representative, she stated to pay them off would be a total of {$170.00}, after my initial payment of {$25.00}. After making the payment of {$25.00} I received a statement stating my total balance that was greater than the {$170.00}, I then spoke with a representative earlier this week XXXX/XXXX/15, and was told that there is no settlement agreement on the account, and that to bring the account current I needed to pay, {$230.00}. Which is way more than my deposit, and I was told that my deposit was already used toward my balance, which makes no sense.
1- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 2- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 3- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} XXXX XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paper work Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX Difference of {$19.00} 6- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 7- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00}. 
8- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. On this date my interest rate is 3.875 % payoff amount per Ocwen is {$170000.00}. Ocwen took over my loan at the amount of {$20000.00} at the same interest rate. Should n't the monthly payment be dropping since 3.875 % of {$170000.00} is less than 3.875 % of {$200000.00}? But Ocwen has been raising my escrow payment it seems to make the difference. 
9- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$58.00} 10- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00} 11- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. 
This is a difference of {$350.00} That should of been applied to the principal of the loan.
I received an auto loan for my XXXX XXXX from XXXX XXXX in XXXX. Shortly after I became XXXX and was subsequently diagnosed with a severe, XXXX and XXXX XXXX disorder. I quickly found out that I would not be able to work and our finances would be completely devastated due to my husband also being unable to work as I needed XXXX care. In anticipation of our financial issues I called all of the companies that we had outstanding balances with, including Capital One, notified them of the situation and worked out an extension due to the financial hardship. All of the companies, including XXXX XXXX XXXX, were able to assist. However, when I called Capital One, I was told by a representative that there was absolutely no way to temporarily suspend or reduce my payments without first letting them become more than 30 days past due! I had never heard this before but due to my extreme sickness and our desperation I trusted Capital One not realizing that my credit would be negatively effected. We 've since been trying to recover from the financial strain and had two 30 day late payments in XXXX and XXXX XXXX thinking that we would then be able to work with Capital One to enter into a payment plan or extension. To our absolute horror we realized that they were actually reporting negatively on our credit report despite being told in no uncertain terms there was no payment extension/hardship options available without first letting our payment enter into 30 days or more late payment status. I recently found on their website that Capital One DOES offer hardship assistance ( as evidenced here : https : //www.capitalone.com/XXXX ) but we were lied to and now our credit is destroyed. We have been denied for housing at least 10 times due to solely to the negative tradeline and are at risk of being homeless because of Capital One 's negligence.
XXXX complaint On XXXX/XXXX/XXXX, XXXX EST, I faxed my SS Card, marriage licence and birth certificate. I have proved my identity, I EXPECT A RESOLUTION! I was also never notified by Equifax that I had to submit my ID before they 'resolved ' my complaint I got a rejection letter from Capital XXXX Auto XXXX XXXX dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in. 

***can not check Equifax credit online by answering the XXXX security questions as myself. Equifax has me confused with my sister in law, who has lived at the same address for overlapping times as me, XXXX XXXX XXXX. *****
I paid off lease # XXXX for purchase in the Name of XXXX XXXX  on XX/XX/XXXX. The Lease is through GM Financial. The Lease was for a XX/XX/XXXXXX/XX/XXXX serial # XXXX. This was a lease in my mother 's name. As she entered a XXXX XXXX and we rearranged her finances, I decided to pay off her lease and purchase the car for my own use. Since the payoff I have repeatedly attempted to obtain a title. To date I have faxed the odometer statement and titling instructions a total of 4 times and to 2 different # 's supplied to me by GM Financial Representatives. I call weekly and every week there is a new excuse. First they don't have a fax, then they have the faxed odometer statement, but not the titling instructions. Both documents have been included in all of the faxes sent, and I verbally communicated and faxed ( 4th fax of the same docs. ) titling instructions on XX/XX/XXXX. It is now XX/XX/XXXX and I am on hold again after insisting that I speak to a supervisor and faxing the same documents to her direct fax line. This is my 5th Fax transmission all from a business fax line that sends as many as 100 faxes/day. She has purportedly called the Titling department to and passed the documents to them. However she has informed me there will be a 3-5 day delay for " processing '' : I feel at this point, that this is a pattern of behavior with the objective of holding the title after receipt of the payoff in order to make the asset side of their balance sheet reflect a more positive number. When one works the numbers conservatively, if GM Financial is successful in holding titles for 25,000 units at an average payoff amount of $ XXXX for 30 days it is a $ XXXX addition to the asset side of the balance sheet. This is called working the " Float '' and GM Financial appears to have it down to a science.

The length of the title transfer process of GM Financial needs to be looked into by the the CFPB and punitive actions should be taken.
This is in regards to XXXX loan number XXXX for XXXX XXXX as I am an authorized 3rd party on the account. 

When the loan was originated, I was never provided the required California Electronic Consent forms. This was further verified as these disclosures, and forms are not included within my loan file. The loan was taken out online, and it is my understanding that this form is required in California in order to continue to fund a loan online. If you want the option of sending and receiving loan documents by e-mail or on a website, federal law requires safeguards to ensure that consumers like myself have the capability to receive such disclosures and are fully aware of the consequences of receiving documents electronically. Federal law also requires that your consent to use e-mail and electronic versions of information, disclosures, contracts, and other documents and records ( " electronic documents '' ) that would otherwise be legally effective only if provided to you in a printed/written paper document.