WillisBack/dataset-financial-user-claim huggingface dataset:
My social security has been used by my brother. I believe this best buy mastercard that is now being reported by a collection agency ( XXXX XXXX ) this credit account was opened by my brother who was my former roommate and eventually took over my lease when I was XXXX in XXXX around the time when the account was opened. He has access to my information and my mailing address. upon checking my credit report I noticed the account and I have no knowledge of the account. is there any way that this account can be removed from my credit file. Ive tried to reach out to the collection agency but they refused to remove it even with a FTC report and a copy of my military orders. I've uploaded my FTC report to support my claim that I've been dealing with identity theft and fraudulent for the past 10 years.
I went online to view my credit report for XXXX  and Equifax and it keeps saying every year I have to mail in stuff when I never got to see the information on report
FHA Case No. XXXX XXXX XXXX Address : former address to property was XXXX XXXX XXXX XXXX FL. XXXX. 
Present address : changed to XXXX XXXX XXXX XXXX FL. XXXX By Introduction, my name is XXXX XXXX and I became a homeowner in XXXX 2001. 
I went through the process with a non profit organization by the name of XXXX XXXX XXXX located in XXXX Florida. XXXX XXXX XXXX assisted me with preparing me to become a first time homeowner. Being a single mother, this was the American dream coming true.The name of the mortgage company which is no longer in business as called XXXX in XXXX Florida. I fell behind one month and XXXX sent me a letter stating that due to late payment, my loan could not be FHA insured, and the loan will be converted into a conventional loan. Now at the time I was not aware that this was false information, and also on my mortgage note there is no clause stating that my loan will no longer be an FHA loan by falling behind. I know for a fact that FHA helps individuals to remain in their homes. I truly believe that this is a predatory loan and XXXX converted into a regular conventional loan of course for profit. XXXX made stated another fictitious statement the well on the property was not the appropriate footage from the septic which is false because the house was built from the ground up the the contractor has to meet the building codes for XXXX XXXX. I have been fighting this for years and I feel that this information that XXXX was just all a ploy for me to lose my home and my inherited property.Ivanhoe used FHA procedures not guidelines to target individuals receiving FHA loan and convert the loans for profit for their investors gain and greed. This really saddens me for individuals who really strive for the American dream to become a homeowner. Over the years my loan has been sold at least 5 times and now my mortgage company is Selene Finance and they only reason why they have it now because the were under the assumptions that my loan was in default and I was in foreclosure which was false as well. 
Now since Selene Finance has my loan I stated to them to look at the original note and it clearly states that this is a FHA loan FHA insured. Since Selene Finance has the loan, they are now held accountable.My interest rate is 6.5 % it needs to be lower because it is a FHA loan.The interest rate should be at least 2.5 %. At 6.5 % I will never pay off my home loan and the investors get wealthier. I have all documents and I also requested documents from the Selene loan resolution department as well.Please assist me with this matter. 
Thank you, XXXX XXXX
On XX/XX/XXXX I made a phone call requesting a replacement debit card for my lost card. I received the new card on Monday XX/XX/XXXX at XXXX. I activated over the phone that night. The next morning I tried using the new card it was declined. I called Citibank and I was told I would be sent another card. I then went to a close branch on XXXX XXXX XXXX XXXX and was told I could not withdraw any money from my account. I am actively being denied access to my money. I have XXXX children to take care of and I need my money.
TRANSUNION,   XXXX   have re added inquirys that were removed from my reports.    XXXX   XXXX   XXXX  -  XXXX   XXXX  -  XXXX  -  XXXX   XXXX  -  XXXX    XXXX   -   XXXX   XXXX   -   XXXX   XXXX   XXXX   were all removed from my reports th en re ad ded again, these are not my inquirys these applications were done without my permission.   I have asked TransUnion several times to remove false information from my reports, i have sent several certified letters which they did not reply.   i have asked for proof of such as names and phone numbers and proof of verification and they have ignored or refused to comply.
I have been contacting Caliber Home Loans XXXX times since XXXX XXXX in order to obtain an escrow analysis. My loan started in XXXX at which time the XXXX XXXX was not yet applied. It was applied around XXXX XXXX and I have asked to 1 ) have a reduction in escrow ( ultimately monthly payment ) and 2 ) be refunded an overpayment which is as of today is approx {$1600.00} and each month {$300.00} is added to this amount. I keep being told each time to wait XXXX days and nothing happens. I have talked to XXXX ( teller id XXXX ), XXXX in Tax, XXXX XXXX, supervisor in tax whos phone # is XXXX, XXXX ( teller id XXXX ) and XXXX XXXX, supervisor -- XXXX refused to give me her direct phone number but her extension is XXXX.
I have been on an income-based repayment plan. I submitted my application early for renewal but received no communications. When I called, I was told that they had not received the application from student loans.gov yet and would not for up to a month longer. I waited the month which put me close to the deadline and then called to be told that there was missing information. I had never been notified of this. I submitted the information, having been told that they would expedite the processing so that I would still make the deadline. They did not expedite the information and now I am being told I need to submit more information. I am now overdue with an amount I can not pay. I will have to pay fees and go into forebearance which compounds the problem of high student loam debt. If this was the first time I would consider it a mistake but this has happened every year I have applied for income-based repayment. Income-based repayment is the only way I can feasible afford this payment and feed my family.
Nelnet takes advantage of young, ignorant students who are unaware of the details of their student loans. Nelnet has illegally cheated many struggling borrowers, including myself, out of our rights to lower payments. Despite my qualification for the income-driven repayment plan XXXX IDR ), Nelnet knowingly steered me towards forbearance. They chose to do this instead of counsel me about more affordable repayment plans because this would result in me overpaying for my student loans. Additionally, over the years, payments were processed incorrectly, and Nelnet failed to act or correct the situation despite complaints. A class action lawsuit is pending, and I need to negotiate a settlement with Nelnet on these student loans.
On XX/XX/XXXX18 I made an electronic payment via the companies Web site in the amount of {$17000.00} which was the amount of the payoff ( the Escrow of over {$2500.00} was still in the account ) On XX/XX/XXXX I called them because my account still did not show being credited even though the money had been out of my checking account for almost 2 weeks. Apparently they only except close to payoff amounts via Cashiers Check or Wire transfer so the payment has been in a limbo account of theirs for almost a month ... They said they would not credit my account and that they would have to return the money back to me via the same means of which I sent it to them ( in my case electronically ) and that it would take up till XX/XX/XXXX to get my money back. I told them this was unacceptable so then I was told that if I send in a bank statement proving that it had cleared my checking account that I would get the money back within 4 business days. I emailed the scanned bank statement to them and then called to make sure they had received the bank statement and they said that they received it on XX/XX/XXXX. I now just called them on XX/XX/XXXX because it has been well over 4 business days and they are now telling me that it will not be electronically re deposited into my account but via a paper check and mailed to me. They will not send it out till at the earliest the end of the week. At the time of this writing I hope that this is the case and that I do actually receive a check within about 1-2 weeks  from now ... ..although I doubt it as I have been lied to for about a month. They clearly have policies in place to keep a consumers money as long as possible without returning it to them. I find this unethical and possibly illegal. Please help us
I have been notified from XXXX that my information was compromised and I am requesting that 5 credit inquiries be deleted from my credit report.
There are three separate accounts listed on my credit from Account Control Bureau. I have asked for verification of debt with signatures, which i have yet to receive. I have spoken with personnel from the said company on several occasions. I have reason to believe my HIPAA rights have been violated. The alleged accounts are as follows : - XX/XX/XXXX- {$140.00} - XX/XX/XXXX- {$57.00} - XX/XX/XXXX- {$850.00}
This complaint is about Citizen 's Bank. I believe I have been subject to privacy and human rights violations that extend back to my time at XXXX University in XX/XX/XXXX-XX/XX/XXXX and some currently connected to theft and malicious takeover attempt of commercial projects, notably copyright XXXX which is a film related to the anti nuclear movement from the XX/XX/XXXX and XX/XX/XXXX. However there are other developments surrounding XXXX   or other issues. Unfortunately, the violations are severe. At the time I was at XXXX I had an account at Citizen 's Bank. I would like all account information and anything else logged to my name including all available investigative material. Due to takeover I would like to know any participation or conflicts of information the bank could have.
I recently contracted to purchase a property from XXXX in New Jersey as they also have there own in house mortgage company, K.Hovnanian American Mortgage, XXXX. As an inducement to use their own in house mortgage company I was offered $ XXXX off the purchase price. XXXX, I did n't have any an issue with this process until today. My original mortgage rate offered was XXXX floating. I had many communications with the loan XXXX who at no time explained to me that I was floating and that I would run the risk of not being able to receive the original rate offered if did n't lock in. To my dismay I was notified today that my loan is not locked in and they can not deliver the rate promised and tried to convince me into taking a XXXX year or XXXX year ARM. I did not have the bonfire option of shopping for competitive financing due to the fact I discovered well after the fact I was out of attorney review and behind the point where I could cancel my contract to purchase my home without grave financial damages including but not limited to forfeiting my deposit that the unit I am purchasing is considered a non warrant-able condo. By vert-rue of this I am not a candidate for XXXX or other agency financing. I feel like I have been deceived by a bait and switch. If I did n't know better I would say they have an monopoly. Please help me.
This is a partial copy of the letter sent to the lending company : I am writing to share my frustration and disappointment in one of your Loan Officers, Mr. XXXX XXXX. I am at a complete loss at his level of incompetence and inability to reach settlement on the above listed property. To date, he has missed three closing dates for one bogus reason or another. Despite the mess he has created, he has yet to take ownership for being ill-prepared and failing to ensure all documents were in place for the scheduled settlement dates. 

The following are the dates missed and the rationale given : XX/XX/XXXX date moved to XX/XX/XXXX - No reason given XX/XX/XXXX date missed and moved to XX/XX/XXXX - I was told that HUD wanted to audit the file because multiple contracts had been made on the property and the contracts had failed to reach settlement. I have not spoken to one lender who has ever heard of HUD wanting to audit a file for such a reason. 
XX/XX/XXXX date missed and moved to XX/XX/XXXX - he failed to confirm buyer 's rental history and underwriting needed the former landlord to confirm dates of rental history. At this time, HUD supposedly still wants to " audit '' the file but they will not delay the settlement as the audit is completed. 
XX/XX/XXXX date missed and unable to schedule another settlement date - the buyer has a gap in her employment history, therefore her existing loan is null and void. Why wasn't this discovered and addressed a long time ago? How is something as basic as employment history not addressed in the beginning stages of preparation for settlement? 

I am hoping that you are able to intervene and possibly assist him in closing this deal by XX/XX/XXXX. Not only is this a hardship on me, the seller, but the buyer has been on an emotional roller coaster as well. If I am unable to sell this property by XX/XX/XXXX, I will be forced to terminate this contract and rent the property. I have absolutely no desire to rent this property, but I can't afford to wait until Mr. XXXX  figures out how to do his job and actually reach a settlement on this property. When I told him I may have to rent it because I can't prolong this case any further, he actually had the audacity to suggest that I rent it to the buyer. What kind of pathetic loan XXXX would say something like that? Doesn't that go against your industry? Why purchase or sell a home if everyone should rent?
I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/2018, Experian deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this  disputed item must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report but XXXX and Equifax has not.
Harley Davidson credit Corp XXXX XXXX XXXX XXXX, XXXX Last XX/XX/2018 I had a motorcycle repossessed.voulentary. Harley Davidson financial Corp sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with Harley Davidson I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from XXXX XXXX XXXX XXXX a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX dollar for XXXX dollar that Harley Davidson claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury  would agree. With me, after seeing the breakdown of the bill, that I owe XXXX
On the XXXX we had a scam phone call from " IRS '' and " sheriff department ''. They asked us to pay them {$4900.00} through Bank of America. Because we got afraid we did that. However after we checked with police department in XXXX XXXX, CA we found that this was a scam. We tried to stop transaction but it was too late. The bank does not like to give us money back. We need help to recover our money back. 

XXXX XXXX
XXXX XXXX XXXX XXXX I am the primary account holder, and they list my spouse as a secondary borrower. 
She has been an authorized user only, since this account was opened XX/XX/87. 
JC Penny insists that she is a co borrower, even though they can not provide proof. 
Attached is a response to my request. 
I asked for the credit application to prove to me that she signed for this account. They can not produce the application. Reasons in the letter, online application, in XX/XX/1987 there was no online process to apply. Applied in store, we had a newborn at the time, and she was not able to go to a JC Penny store. Also, she was not working at the time, and had no income to apply for credit.

If they can not prove she signed for this, or any information that was given, she should no longer list her as a secondary account holder.

I never had any reason to question this until 2 months ago when I incurred trouble paying on time. I always paid this monthly bill, and she had never even seen it.

Please assist in having JC Penney remove her name from the account.

Thank you in advance. 

XXXX XXXX
My mortgage was transferred from XXXX XXXX XXXX to PennyMac USA in XXXX 2015. Upon receipt of my first statement from PennyMac, I attempted to set up an online account to access my information and make payments. I was able to set up the account, but was not able to log in due to a message that simply stated " Error. '' I promptly contacted customer service, who informed me that there was an issue with the Web site that was being addressed. As suggested, I waited approximately one week before attempting to log in again. At this point, I encountered the same error message, so I contacted customer service again to address the issue. I spoke to numerous representatives and was assured that the issue would be fixed and that I would be contacted with resolution. After approximately 3-4 weeks passed ( and I had not heard from anyone ), I contacted customer service again because I was still unable to log in to view my account information and submit secure online payments. I was informed that the issue would be forwarded to the IT department, and I requested that this process be expedited. Last night, ( 10 days after my most recent phone encounter ), I received a call requesting that I send a screen shot of the error message because the IT department was unable to retrieve it. At this point, I admittedly became frustrated because I had requested that the issue be escalated and it took so long to hear back from someone who still had no resolution on my issue. Last night and this morning, I followed the login steps to get to the error message, and I am completely blocked out of my account. The system is supposed to generate an e-mail containing a security code to log in, and I am not receiving these e-mails as I had prior. I have spent many hours combined on the telephone with technical support, and am not in a position to continue to go in circles with representatives that have no answers to offer. After two months, all that I know for sure is that Penny Mac is deducting the monthly payments. With no access to my account information, I have absolutely no idea what my account balance is ; I have absolutely no idea how ( or if ) my payments are being applied.
I recently pulled a credit report and saw that National Credit Systems is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida. Their license expired in 2003. Please see the attachment.
I pulled may credit report and saw a medical bill from XXXX XXXX XXXX. I have not received any service from this hospital. The bill is showing on all three credit bureaus, from two different collection agencies. I contacted the agency that is listed on my XXXX and XXXX reports since its the same agency XXXX XXXX XXXX XXXX. I spoke with a rep ( XXXX ID # XXXX ), explained to her this is NOT my debt. And I asked her how did they send this to the credit bureau without contacting me. Well they did n't have an address, phone number or any type of contact information linking me to this account. Thats how!!! She tried to look the account up by my name, address and phone number and NOTHING comes up. She then looks the account up by the last four digits of my social and the account comes up under someone else name. So I asked her for the address the letter they sent the notice to and she told me she could not give me that since I was not the patient listed on the account. She goes on to tell me that I can dispute this as identity theft and contact them in five days, or they can still come after me for payment. How is that possible? I am not paying for a debt that is not mine. When the rep could not find an account for me she asked are you sure we ( XXXX ) sent this in to the credit bureau? I told her yes and read off their information from my report. I did n't have an account number for the debt which she did supply me with the account # XXXX {$620.00}, # XXXX {$200.00}, # XXXX {$550.00}. I 'm currently out of work and was offered a job at a XXXX XXXX which the offer was rescinded due to my credit. The collection agency is not willing to remove this debt and it is causing me to not qualify for employment in my field of study.
Account Details Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED CONSULTANTS INC Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3500.00} High Balance {$3500.00}
My boyfriend and I began the mortgage process with Wells Fargo on XXXX XXXX. We had a signed contract with the sellers on XXXX XXXX and our loan officer assured us that this would be completed, at the latest, 45 days so we could give our landlords the requisite 60 day notice on our apartment. On XXXX XXXX he sent out an email to my attorney that all necessary documents had been received along with our commitment letter ( which was dated 5 days prior ). Then on XXXX XXXX he emailed my attorney that he was working on getting the filed cleared so that we could close the following week. To date, we have not closed, we have cancelled XXXX scheduled moves and we have to move out of our apartment at the end of the month because it has been rented.
Turn over debt collection agency. Called conserve web in my. I went XXXX in XXXX, nc. 
They had know about law suit, took fed income tax returns. Making payments of XXXX month.
For months Portfolio Recovery has called and called. I have ask for proof of debt and have sent them 2 letters requesting calls to stop. As of XX/XX/18 the calls continue on a regular basis and all from different numbers and I have not received a single document from original creditor to show debt is valid.
Hello, I applied and was approved an AMEX XXXX card with a promotional sign-on bonus. This bonus was to spend {$3000.00} USD in the first 3 months for XXXX XXXX points and to spend an addition {$2000.00} USD within the first 6 months for another XXXX XXXX points. The second bonus is not being honored by AMEX even though I made the required purchasing amount within the time-frame. AMEX claims it is " not attached to my account. '' The card was approved on XX/XX/XXXX. This special promotion ended on XX/XX/XXXX. I 'm attaching screenshots of this information. I 've contested this issue with AMEX and they have denied it saying it 's not attached to my account. This is a technical issue, as I had to open multiple challenges with AMEX to even get the first XXXX bonus, which after 6 months of calling them and opening challenges, has finally been posted to my account.