WillisBack/dataset-financial-user-claim huggingface dataset:
Have received Sallie Mae biilling notice, acct # XXXX, but not sure that all XXXX loans are in my name or son 's name. The bill is not clear, there is no date that the loan was taken out, for what person and what schoo. XXXX of the loans I am wondering if it was even mine ( ours ). The other concern is the high rates 10.375 %!!! I am a little surprised at the high rate -- they should be fairly low ( lower ) due to the low interest rate as well. First Salle Mae 's billing summary stinks and is not clear ( I should easily have access to my account to clearify what ( school ), when and to whom the loans are for because there maybe an error. Secondly I would like to consolidate or at least get lower rates, Sallie Mae does not provide that information as well. Concerend there is an error in my loan. Sincerely, XXXX XXXX
I received a call on XXXX/XXXX/XXXX at approximately XXXX XXXX  on my work phone from XXXX ( XXXX XXXX XXXX ). The man stated I had an outstanding debt to XXXX XXXX XXXX XXXX in the amount of {$200.00}, and did I want to settle the debt by phone. I attempted to explain to the caller my credit card with Sears was more than 25 years old and I knew my mother had paid the debt in full. The call turned hostile when I asked the caller to provide details on the amount owed by letter or fax. He told me he did not have to provide details, I knew what I owed. He told me he knew where I lived, specifically providing my home address, he knew what kind of car I drove, ( XXXX ) and he would be calling my employer regarding this outstanding debt. I hung up without giving additional details. I called back at XXXX XXXX, after reading the specifics on the Federal Trade Commissioners website about the Fair Credit Act. A man who identified himself as the General Manager got on the call and proceeded in a more abrasive confrontation manner stating if I paid the debt by phone the calls would stop. I attempted to read the statute of limitations, the right to request details on the debt and the right not to receive threatening calls on my job or my personal phone. He stated a collections notice was mailed to me two weeks ago. I attempted to explain I had not received the notice and could he fax it to my attention. He said no he was not required to provide me with details, my debt did not go away no matter how old and I needed to pay or he would proceed with taking action by calling my employer, filing charges and suing me. I told him without proof of debt I would not continue the call and would proceed with the law, as regulated by the Fair Credit Act.  He was belligerent, unnecessarily hostile and would not allow me to speak. I hung up on the call again. I was no longer going to me insulted by his hostile voice, threatening tactics of calling my employer or coming to my home.
My name is XXXX XXXX my husband and I was a customer of XXXX Mortgage and then XXXX XXXX XXXX purchased the account. Since 2014 around about XXXX we asked for a home mortification and learned XXXX XXXX XXXX was told by The State Attorney Office in a Lawsuit to help people keep there homes in XXXX 2014. XXXX XXXX XXXX sold our account to Shellpoint Mortgage again we were told to submit paper to work to help us save our home. No one at XXXX Mortgage has worked with us, all income and bank statements proved we have gotten back on our feet to save our home. We have left messages and again no one will help us. My husband received a XXXX and we got behind while he was recoving XXXX. We need the help the was promised to us!!
n XXXX, I went through a divorce and I tried to stay in my house with my kids but found I couldn't afford it. I have since moved out and was willing to let it go into foreclosure and then I had a conversation with Select Portfolio Servicing ( SPS ) about the possibility of a short sale. SPS is servicing the mortgage for the investor but no one can tell me who exactly the investor is or how to get in touch with them. I have had several offers and they keep getting denied by the investor. I owe {$100000.00} on the house. The house needs some work and there is a cash offer of {$85000.00} waiting now that they keep denying but SPS tells me there is no way for me to get in touch with the investor who makes the decision. I don't see how this is even a possibility. If someone is making a decision that affects my life, I should be able to contact them in some way. Also, the mortgage company tried to file a claim on my homeowner 's insurance saying there was vandalism and that is not true. The realtor that SPS put me in contact with even said that he has pictures he took of the house from XX/XX/XXXX when he first listed it and nothing has changed. His words were " it is still in the same state of disrepair ''. I believe whoever tried to file that claim was trying to get my insurance company to do the repairs needed on the house by stating it was vandalized. It was not vandalized and I have since dropped the insurance on the house because I can't legally stop the mortgage company from filing a claim because they have an insurable interest in the house. I am not sure what to do and why the investor keeps denying a short sale but I can not find a way to get in contact with the investor. I keep getting the run around. The final court date for the foreclosure is set for XX/XX/XXXX and I don't understand why they would rather foreclose on it than take the cash being offered.
A tax lien appeared on my credit report and I disputed this information, the credit bureau ( Experian ) stated they investigated the dispute and the information was verified and remained on my report, however I contacted the local Clerk of Courts office and they could not initially find anything and then was able to locate something which was from XXXX, in XXXX I paid all outstanding business taxes and received a letter ( provided to Experian ), neither the Louisiana XXXX or XXXX office is claiming to have provided this information to the credit agency ; so I 'm not sure who they verified this information with, this lien would have been part of re-aging, since the lien was reported in XXXX ( 16 years ago ) ; this information needs to be removed from my record, as I 'm told this debt is written off and the credit agency is indicating this debt to be current as of XXXX, which is incorrect, and has caused me issues with getting a loan. Also, I have never lived in XXXX, LA -- -this also showed up on the report at the same time as the lien.
Diversified Consultants has been calling me repeatedly about a debt I do not owe from XXXX XXXX XXXX XXXX. I've only had one account with XXXX XXXX XXXX XXXX which has a {$0.00} balance and is inactive. The equipment was also returned on XX/XX/XXXX. Diversified Consultants opened up a fraudulent account on XX/XX/XXXX indicating {$670.00} was still owed from original creditor XXXX XXXX XXXX XXXX. XXXX   company reported this debt from Diversified Consultants on my FICO credit score report which is when I began to take action. I spoke to XXXX XXXX XXXX who stated that nothing was owed and there were no issues with the closed account. Diversified consultant tried to convince me that I may have a final bill post equipment return which did not make sense since XXXX XXXX XXXX did not show a balance for the account in question. I have disputed with Diversified Consultants but haven't heard back yet. This company should not be allowed to report debts back to FICO scoring companies because their legitimacy has been and continues to be questioned.
State Farm Bank needs to delete and remove this fraudulent account from my XXXX credit report immediately. Your company failed to provide proof that my rights have not been violated.
30 days ago I mailed a letter to Experian asking them to verify the collection items on my account. Specifically, XXXX XXXX XXXX {$410.00} acct # XXXX and XXXX XXXX XXXX Acct # XXXX. 
According to the FCRA section 609 via physical verification. I asked for verifiable proof as in a contract that I signed. 

Experian was NOT able to provide proof- the accounts have NOT been removed from my credit report. 
I also asked that they remove incorrect spelling of my name, incorrect phone numbers and incorrect addresses. The incorrect items are still listed.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/XXXX / XXXX, XXXX, XXXX - XX/XX/XXXX.
I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill XXXX past ones on my credit. I also placed a fraud alert on my report and have n't received not XXXX call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a XXXX situation.
The Collection Firm of Franklin Collection Services Inc contacted me in writing that I owed XXXX for services that I did not receive. I therefore, send a letter asking for proof of service from XXXX and to show in detail what the service was for, address of service, type of service and dates of said service that they alleged that I had with a break down of monies that totaled the amount of debt. 



As a result of that communication ; Franklin Collection Service, sent me a letter with my name, masked SS #, my current address. The letter went on to provide very vague info, stating XXXX was the original debt with a address for XXXX and dollar amount of {$36.00} I contacted Franklin Collection Services and the agent stated that I owed the monies for internet services and that the debt was legitimate. I proceeded that they needed to provide me with proof and detailed break down of what the {$36.00} was for The agent at Franklin Collections call me a son of a XXXX and hung up the phone on me
XX/XX/XXXX. Ch.XXXX - Medical hardship XX/XX/XXXX Initiated loan modification requests due to medical hardship XX/XX/XXXX Loan modification granted with provisions for escrow of property and home insurance. No breakout of interest vs. principal loan term extended 14 months to capitalize missed payments in Spring of XX/XX/XXXX during family medical hardship shared. XX/XX/XXXX, XXXX XXXX contacted Cornerstone on balance owed and pending home sale. XX/XX/XXXX and XX/XX/XXXX- sent requests to Cornerstone requesting monthly informational statements and only received payment coupon for the month. XX/XX/XXXX. Signing with title company to facilitate sale of home. Balance stated on payoff is NOT what was shared on XX/XX/XXXX phone call, a variance that is not explained in the payoff sheet. Home is scheduled to transfer possession on XX/XX/XXXX. XXXX XXXX / Cornerstone Mortgage even after the discharge on XX/XX/XXXX and repeated calls was not forthcoming in balances owed or payments made by owner. This has created an additional hardship as we close on our home.
My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor OCWEN LOAN SERVICING, LLC is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.
I have a credit inquiry from BMO Harris Bank on XX/XX/2018 that I did not authorize. I contacted them to try and get it removed but they are not willing to remove it. It is hurting my credit score and and I need it removed.
Hello my name is XXXX XXXX, and an XXXX in United States XXXX XXXX.I '' ve recently opened an account with usaa and made my initial deposit of XXXX $ .but they seem to have denied me access to my account and online banking due to no 1 specific reason that they have yet to tell me.And now there talking about closing my account that I have not been able to use.so I want to be treated fairly as an Man and not a statistic.USAA never calls me or email me pertaining my account.I really feel lost and discriminated against.
Wells Fargo deposited several checks from a company I did work for into the wrong account. The account the money was deposited into was in no way linked to me or my business nor did it match the name on the checks being deposited. There are roughly {$200000.00} worth of checks that I was paid by a company that the money is now missing. I contacted Wells Fargo and they said to contact the company that I did the work for. The company supplied the checks showing they had paid. But I never received the funds. Wells Fargo deposited these checks into an account with out a signature on the checks. There is only a printed name on the check. Also Wells Fargo did tell me over the phone that the account the money went into was not my account and did not have my name on it. I have attached the referenced checks. Yet Wells Fargo claims they have now responsibility for the money going into the wrong account and have not been helpful in anyway to correct the issue. Wells Fargo is the only one with access to both accounts and I do not know who 's account this money went into.
I have an account with Transunion since  XXXX  where I check my credit. There ar e 4  student loan accounts that I co-signed for my son between  XXXX  -  XXXX  that was closed and written off as bad debt between  XXXX  -  XXXX . At that time I had lost my job and my son could not complete his studies. These accounts are suppose to be removed from my credit report in  XXXX   XXXX . About 3 months ago these accounts were duplicated and appear as open. So each account is on my credit report 2 times. I spoke with Transunion and they said an investigation will be done. One month ago I received a report from Transunion and no changes were made.
We are trying to fix the problem with the mortgage companies but they transferred my mtg to a new company and i have provided all they asked for.Auction sale date is scheduled for XX/XX/XXXX and the mtg co sent a letter dated XXXX that I received on XX/XX/XXXX that threatens if they don't receive the extra information they're requesting that my hardship assistance will be declined. What a scam they are pulling here. I included the letter the sent me. It came from XXXX, Tx to XXXX Illinois by regular mail with an expiration date of XX/XX/XXXX. Absolutely no way that I could've satisfied their request since I received the letter on XX/XX/XXXX. in the request they asked for my now husband information who has no obligation to this debt no does he contribute or wants any involvement with this debt. I provided a letter. He was never on the loan and does not wish to be. Also, The reason for the hardship was due to my mother passing away who was the other borrower to this loan. The application packaged asked for either the origin death cert or print out of a public obituary. I enclosed the obituary in the original submission and the bank is still requesting the original. I believe this is a delay tactic although I have place it in the mail yesterday. I am cooperating but the banks do not seem to want to work with me and continue giving me the run around. Your assistance is greatly appreciated. Please let me know if any other information is needed.
I have been getting telephone calls from someone who identifies herself as " XXXX XXXX '' who claims she is a debt collector but refused to give the name of the company with which is was supposedly associated. She said that in order to stop further action on this issue I needed to call XXXX. 

Then today, I got what was obviously a bogus collections email, from some place claiming to be True Accord ( XXXX, XXXXXXXXXXXX ) and claiming that I owed " XXXX XXXX XXXX the Current Creditor-Debt Purchaser '' {$1400.00} for some balance on an old XXXX account. It claims the account went into default in XXXX ... 

I have n't done any business with XXXX for about a decade. I was provided with NO PROOF of any debt owed. 

I looked up True Accord online and found that : " TrueAccord Corp has been sued for using debt collection practices that allegedly violate the FDCPA. '' Since they came back to back, I 'm assuming that the bogus telephone call ( which obviously violated debt collections rules ), and the bogus email which claimed I owed money I do not owe for an account that is over a decade old ( also in violation of debt collections rules ) were from the same company/individual.
I contacted the company to get information pertaining to the alleged debt. They sent me a debt validation which shows I owe a balance of {$150.00} to the school when I had student loans and financial aid. The debt is not owed. The first time the lady hung up on me. I called back and they do n't tell you there name and the person said they will not remove the debt and will still on my credit she does n't care what I say or do. Then she rudely hung up on me. I then went to the Indian a Secy of State to check them out and found they are not licensed or registered in the State of Indiana.
Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. Creditor : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. Sincerely,
This account was placed for collection with this company on XX/XX/2017. I disputed this debt with company on numerous occasions. What was sent to me by this company does not demonstrate proof of it being valid. I requested a original copy of my ssn or Identification and original signatures matching my correct full name. I also requested the method in which was taken to prove that this my account.I am requesting the practices Act section 809 ( b ). I will not submit any information to this company as proposed. If all is valid then they the company should be able to provide full disclosure not some assumed information.
When I was approved for a Wells Fargo credit card there was information on my credit report that caused the interest to be set at a rate that gouges me - approximately 25 %. I have informed Wells Fargo that this information has legitimately been removed and that they should re-review my rate. At my current XXXX credit score, I believe that my rate should be sub-20 %. Today a man called me to ACKNOWLEDGE that they have an internal department that reviews accounts for APR reductions but told me that he WILL NOT get in touch with hem to see if my APR can be reduced. They scam people by knowingly overcharging them for interest, in cases such as mine where they know there is a discrepancy. I will continue to work with the company and keep the CFPB abreast of their continued abuse of customers.
XXXX XXXX XXXX XXXX sent me a letter on behalf of XXXX XXXX XXXX original creditor is capitol one ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to XXXX me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on google. this is the XXXX letter I have received from them in XXXX years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.
On XXXX XXXX,2017 I contacted transuion to despute unknown and unauthorized inquiries on my report. When contacted I spoke with a gentlemen by the name of XXXX Who assisted me with my concerns. Once I tried to explain to him I was a victim of their glitche in which inquiries were removed and moved back on to my account he referred that I hold the line for a minute. Once on hold he came back to the phone n stated that I was n't apart of that glitche and in order to remove those inquiries I had no idea about and that were removed then placed multiple time back I would have to contact each company who placed the inquirie and have them remove them.after my unsatified result I then stated I would file a complaint and I disconnected the call.
Apparently US Bank issued an escrow refund check on XXXX XXXX to an old address which I have not lived in since XXXX XXXX. I have been receiving and paying all mortgage bills from my current address since this company took over the mortgage. 

I never received the {$2000.00} refund and now they want to charge me an additional {$15.00} for them to send a new check to the correct address, the address I have been at for over a year. Also they have never noted anywhere on any bill or statement about the fact that I had a credit of {$2000.00}. 

Whenever I call I get stuck on hold for over an hour, and all they do is give me the run around. They have earned interest on this money, yet want to charge me more to re-issue this check. 

My mortgage Account number is XXXX.
I have contacted customer service at GM financial and was told they were unable to provided any info or a application for credit about a inquiry on : XXXX : XX/XX/2017 / XX/XX/2017 / XX/XX/2017
XXXX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST XXXX, SCREENING REPORTS AND XXXX XXXX XXXX.
I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time ( XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.
On XX/XX/2017, my bank credit card was charged {$490.00}. I didn't authorize the charge. I contacted my bank, Capital One, to dispute the charge. I followed the instructions of Capital One Customer Fraud Protection Unit. They said no fraud was committed, based upon XXXX XXXX City Marshal 's investigation. I believe that XXXX XXXX City Marshal didn't do due diligent in their investigation. So, I was responsible for the {$490.00}. I believe I took the appropriate steps to dispute and prove that fraud had been committed.