WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by Freedom Mortgage shortly after my mortgage was sold to them from XXXX encouraging me to refinance with them the loan they currently serviced. I was told they would lower my rate and it would n't cost me anything. I asked why they were doing this and they replied if we do n't someone else will. I agreed as long as the term of my loan was n't extended and the rate was lowered and it did n't cost me anything. Documents were mailed to me dated XXXX/XXXX/16. I signed them and returned them XXXX/XXXX/16. I contacted Freedom Mortgage several times after returning the documents to get an update on the process but no one would return my calls. I received a call from Freedom Mortgage inquiring about a loan I had at a credit union and it was suggested I pay it off since it was such a small balance, I did. Once again I made several calls to Freedom Mortgage to get an update and once again my calls were not returned. I finally was contacted by Freedom Mortgage requesting information I explained I had already sent it XXXX/XXXX/16. So XXXX/XXXX/16 I forwarded by fax and mailing hard copies as requested sent the requested information. I then contacted Freedom Mortgage to get an update but once again my calls were not returned. I then received a call stating that since I paid off the lian at the credit union they would have to change my loan. Freedom Mortgage requested I I pay it off and I explained this to them. They said I would need to start the process over because to much time had transpired from when I signed papers in XXXX. By this time its XXXX and they would be sending me more paper work. They have pulled a second credit report which has lowered my credit score because they have not done their job and stayed on top of this transaction they initiated. I 'm unable to " do anything that would affect my finances '' until this refinance is complete is what Freedom Mortgage has told me. I 'm very upset as they started this process and have drug their feet in finishing it. If I go to another institution to refinance my mortgage another credit report will be initiated lowering my credit score yet again.
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I received a loan for solar panel installation through XXXX, the lenders that I was passed off to by XXXX are XXXX  and XXXX XXXX XXXX XXXX.

While XXXX  was doing preparation work to install the solar panels Service Finance started contacting me asking if they could fund the loan, to which I told them that they could not and I expected it to be several months before we were at a place that the loan should be funded. They continued to call me daily and started increasing the call frequency to the point that they were calling me 4-5 times a day, I eventually had to threaten them with a harassment suit to get them to stop calling me. This was effective for about a week and a half until they called me on XX/XX/2018 and told me that the installer told them the panels were on the roof and that is what they deem installed and they would be funding the loan. During this call I told them that the panels were still not installed and that I did not approve of the loan, they told me that they deemed it installed and asked if I had any questions, when I said no they decided that was authorization to fund the loan.

We are now 2 months past the phone call on XX/XX/XXXX, Service Finance is telling me that I need to start making payments ( again, on a loan I did not authorize ), the installer still has my exterior wall torn open, the panels are not operational and I'm getting bills from my electric company. The installer told me they would fix the wall this week, on Tuesday I was told that I'd get a call back on when the repair person would be out, I never received a call back and when I tried to contact the installer Friday I was sent to voice mail and not called back.

I filed a dispute with the lender, which they denied because apparently not having questions about them funding a loan I did not authorize them to constitutes consent to them and they are threatening me with past due bills and ruining my credit.
Over the past few months I have sent correspondence related to  XXXX  different items on my credit file and everytime I receive a generic response saying account update or verifyed but every time the same incorrect info is listed. When correspondence was sent to original creditors I use the address on my file and after a week or so both were returned because of the incorrect address from my research all info on my credit file has to be 100 % correct or the item must be removed. After receiving both certified letters backs as returned I then made photo copies of both returned envelopes along with a letter detailing when I 'm requesting both items have been updated although I 'm for a face that the addresses are incorrect if the letters have been returned from the USPS. The  XXXX  items I 'm referring to are  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .
I received several phone calls from this number Including my family members are receiving phone calls from this number XXXX. I called them back to find out what company its, The Company calling me and my family members is ICS. 
I don't know what are the phone calls about I haven't receive none information in written just phone calls asking me for my Address, they want to know my address. I denied it to give such information.So At this time I would like to ask the CFPB to contact them to cease and Stop this phone calls because I believe this debt collector is violating my consumer rights under the XXXX.
I have been a consumer of 53rd bank for my auto loan. When I was impacted due to Hurricane Irma, they provided me with a deferment until XX/XX/XXXX which I am appreciative of. Starting in XX/XX/XXXX, I made consistent payments up until XX/XX/XXXX, because I had a XXXX in XX/XX/XXXX and was out on XXXX XXXX, so I did not have any income at the time. I spoke with them XX/XX/XXXX requesting a temporary deferment until XX/XX/XXXX payment as I would be returning to work starting XX/XX/XXXX. They stated that they could not do that because I did not have 90 days of consistent payments, which was false. 

Since the past due payment from XX/XX/XXXX, they have called me every single day. I spoke with two different reps and advised them of my situation. Today I spoke with a gentleman who stated that I owe XXXX, which is also false. He was clearly bullying me in to paying more than what was actually owed. I was only behind one payment of XXXX, but he was adding XX/XX/XXXX payment in to that total which is unfair. He also stated that he had the ability to call me 4 times a day, which is clearly harrasment. As a woman who just had a baby, they had absolutely no regard for any potential post partum issues I could be experiencing. I have never missed a payment with them before ever, and after one missed payment, I am harassed? 

I then spoke with a woman named XXXX, when talking to her I asked her to review my history for XX/XX/XXXX and XX/XX/XXXX and she said " that's not what I am here to do '' she refused to help me and was more concerned about arguing with me. I requested to speak with her supervisor XXXX and he would not get on the line either. 

I was simply asking for a deferment for XX/XX/XXXX or XX/XX/XXXX just to help and I was spoken to disrespectfully, I was harassed, and still provided with no resolve despite my consistency with them.
As of XX/XX/19 Bank of America is holding {$970000.00} is escrow after an insurance loss. I only owe {$970000.00} on the underlying mortgage and have been making regular loan payments.
First Investors Financial Services have stolen our auto loan payments and have not applied very many payments towards our loan balance. We refinanced our vehicle with them in XXXX 2015. Due to the theft regarding auto loan payments our balance has not been adjusted except on rare occasions. Which proves that the payments are stolen and not applied to loan balance! This situation has caused our credit scores to be terrible as they have ruined our credit! Let alone the amount of money missing that should have been applied to auto loan balance in order for the balance to be correct! So-what is going on with our auto loan payments -- -theft!!!!! This company has a bunch of thieves working for them and I believe the company should be shut down due to this fact! We have also made duplicate payments on a couple occasions and still balance remains the same! First Investors Financial Servicing Corp-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX.
A company called Credence Resource Management called my personal cell phone continuously. never left any messages. 12 calls since XXXX XXXX, 2016. I requested my personal credit report to confirm I have no outstanding debt collectors. Do n't know who this agency is or why they are calling, but they are impersonating an agency attempting to collect an outstanding debt.
In XX/XX/XXXX    I reviewed my credit report and a Chase account that I did not recognize was reporting on my credit report as a charge off with a   XXXX   XXXX    bal ance. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and  XXXX  and  XXXX  verified the account.   XXXX   stopped reporting the account.   XXXX  and  XXXX   referred me to Chase. On   XX/XX/XXXX  I  wrote my first letter to   Chase asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from Chase in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.
I have sent two other letters, ( one   on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) stat ing that I believe that the  Chase account was opened without my knowledge or consent. Chase has not responded  to either letters.   XXXX   and   XXXX    continue to report the account as a open charge off with balance from   Chase.
It has now been 8 months and I wrote Chase a   letter on   XX/XX/XXXX  to ceas e all reporting of this account for failure to send me needed documents to show how I have a financial obligation the C  hase Credit Cards. Since this is now my 4th letter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that Chase is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel Chase is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.
According to the C.F.P.B., what are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is Chase e  xempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.
I was looking at my credit repot and I have never applied for a loan with this entity. I believe my ex-spouse whom I have been divorced from since 2006 has been using my ss # to apply for various loans, including this one.
I recently applied for a car loan and was denied due to a negative reoort from sage stream llc. XXXX had my score at XXXX and sage stream said it was XXXX. Cause I had limited history at this address and phone ( I've lived here for XXXX yrs and had the same phone for XXXX yrs ). To many delinquencies ( I have 1 that is 2 yrs old ). In order to ask them to look into this I have to send various forms of US. I do not feel comfortable doing this with an un known company that's seems to be a scam to raise your interest rates.
I checked my credit report and there was a debt collection account that showed up that appeared to be a debt that was well over 7 years old. I disputed it with the credit bureaus and it came back as " verified. '' Since I never received notification from this company, I sent them a debt validation letter and dispute letter to the address listed on my credit report. 
The letter was returned un-deliverable by USPS, it says the building is vacant. So the address listed on the credit report is 100 % inaccurate. How did the credit bureaus " verify '' this account if it's not possible to get hold of them via mail? 
This company is reporting debt that is over 7 years old, their contact information is not correct on my credit report, so it's impossible for me to reach them to deal with this matter. This is not legal.
I purchased two XXXX smart phones using XXXX XXXX which is run by TD Bank. I paid both of these phones off in full. 
My wife 's phone had a rebate offer of {$220.00} if we traded-in her previous XXXX phone. 
It was sent as agreed to XXXX in the packaging and box they provided. Although it was mailed in pristine condition ( I have XXXX records showing that it was used until we started using her new phone ), it was severely damaged during the shipment process ( it looked like someone has actually stomped on it and it was totaled ). 
At first XXXX revoked the rebate. I diligently paid the off the {$220.00} debt to TD Bank on XX/XX/2018 while my dispute proceeded forward. However, after I wrote XXXX they agreed to refund the {$220.00} charge. The refund was placed in my XXXX XXXX ( TD Bank ) account. I saw my refund sit in my account for several months in " Pending Transactions '' as a credit to me until I complained about not receiving my refund. I sent TD Bank as proof the email I received from XXXX XXXX refunding my {$220.00} asking for my credit. It of course has now disappeared from " Pending Transactions '' all together now! 
I talked to TD Bank 's customer service at length about this, and the department managers ( note plural ) agreed with me that I had paid the {$220.00}, but that that it was out of their hands. I just want the {$220.00} owed to me. 

Thank you very much!
I received a hard inquiry on my XXXX XXXX  that there was ahard inquiry from capital one. info listed Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I did not apply for any capital one credit card, loan or mortgage of any kind, so i am afraid it is some kind of fraud. i t now shows on my credit report from XXXX and XXXX
Citi Mortgage ac # XXXX XX/XX/XXXX- I ( XXXX ) contacted Citi Mortgage seeking financial hardship assistance because of my job loss in XX/XX/XXXX. I was told XXXX and I could n't refinance even though we had XXXX in equity of this home. Then Citi Mortgage told us the only way we could get a loan modification was to fall behind XXXX months to even be considered. Therefore, we fail behind and applied for a loan modification multiple times between XX/XX/XXXX - XX/XX/XXXX with Citi Mortgage to never get approved. All required documents were Faxed and certified Mailed multiple times and I was continually told- that documents were missing. Citi Mortgage continued to add on late fees and service fees, escrow shortage and they increased our monthly payment causing more financial distress. XXXX and I continued to catch our Mortgage payments up during this XXXX year span draining our XXXX accounts, savings and any income we could fine to save our home. Citi Mortgage sold our mortgage to XXXX in XXXX XXXX. And at this time send us a letter stating that our Mortgage XXXX is complete and all of our documents will be forwarded to XXXX. That nothing else is needed to begin process. XXXX said they never received any documents concerning a Modification and we would need to start over.
TCF BANK CLOSED MY ACCOUNT WITHOUT GIVING ME ANY INFORMATION. FROZE MY FUNDS AND WO N'T ALLOW ME TO GET MY PAY CHECK THAT IS BEING DEPOSITED. WHEN I WENT TO THE BRANCH THEY DID NOT GIVE ME ANY INFORMATION OTHER THAN I HAVE TO WAIT FOR A LETTER. WHEN I CALLED THE LINE IT 'S THE SAME INFORMATION. I HAVE BILLS TO PAY AND KIDS TO CARE FOR. NO ONE EVER TOLD ME THIRD PARTY DEPOSITS ARE NOT EXCEPTED ESPECIALLY SINCE I 'VE BEEN USING THIS BANK FOR YEARS AND SO HAVE SEVERAL OTHERS I KNOW THAT DO TAXES.
Dynamic recovery solutions has repeatedly sent bills and invoices and has refused to send verification of debt. When informed that I know I have the right to validation they argued saying that they could not send any further information. They began offering to settle the debt for smaller amounts and still stated they couldnt send information in writing.
I went to XXXX XXXX and was under the impression I was covered by the insurance program they had me under. They never tried to reach me by phone or send a bill via email which I later found out was because I signed up for no mail. Was n't sure why they did n't try other methods of contact. When the collection agency called, I had knowledge of this charge. I immediately paid XXXX XXXX XXXX XXXX/XXXX/15 XXXX and they said that they would take it off the list from the collection agency. Also that it was before the due date of the collection agency to affect my credit score. So they should have never sent it to the credit agencies or reported it. I have the receipt for further proof. They still have not taken it off of my credit report, though I have paid.
I was served with paperwork in XXXX for a lawsuit on an old credit card. I entered into a payment agreement with the debt collector to stop the lawsuit. Last week, I got paperwork in the mail that they were pursuing a default judgement. 

On XX/XX/18 at XXXX MST, I called the debt collector to see why I got this paperwork since we were in a payment agreement and they replied that the judgement had already been awarded and I should pay the full amount immediately to avoid wage garnishment. 

The next day I got a notice in the mail that the judgement hadnt been awarded, in fact, the motion was denied as the next step would be a pre-trial conference as I had answered the initial lawsuit with our payment agreement information.
Continuous calling throughout the day, called my employer 's cell and work phone and continued to call after I asked not to call.
I am in the process of closing on my home. I pulled my reports on  XXXX   XXXX ,    2017 and no tice this new collection from "  Jefferson Capital System '' add to  my reports. Which caused my scores to drop. I never received any notification from this company. They just added this collection to my report. There is a 30 day validation before adding a collection to a consumer report. I never received anything to my home address to ask for validation from the collection agency. This is a third party collection agency. I never signed a legal binding contract with them. I am very  XXXX  about them adding this negative account to my reports. I am a week away from closing on my home. I need this account immediately removed from all three major credit reports IMMEDIATELY. This negative account will cause delay in my home ownership.. #  XXXX
I purchased a brand new XXXX XXXX XXXX in XXXX XXXX. First, they did not give me a correct value for my trade-in. I traded a XXXX XXXX XXXX ( that was fully loaded, with leather seats, navigation, heating & cooling seats & steering wheels, etc ). They only gave me the trade-in value for a BASIC XXXX, with cloth seats and a standard radio, steering wheel, etc ). I had SEVERAL problems with the XXXX & was constantly complaining or visiting the service department, to inform them of problems with the vehicle. They fixed and even had to order & REPLACE parts, on what was supposed to be a BRAND new car! I insisted I wanted out, or to trade for another vehicle! They refused!!
XX/XX/2019 i deposited check from XXXX XXXX ( XXXX ) using XXXX XXXX. Name on check was XXXX XXXX and XXXX, XXXX ( check number XXXX ). Amount {$1400.00}. was for purchase on goods from craisglist. 

XXXX XXXX cancels transactions and having the suspicion this isn't clean money, i refunded the entire amount to two quickpay accounts ( XXXX and XXXX ) Check turns out to be counterfeit.
On approximately XX/XX/XXXX I contacted XXXX XXXX XXXX regarding the buyout price for my lease vehicle, which was to expire XX/XX/XXXX. I was connected to a foreign call center with Chase Bank. I was told the buyout price of {$13000.00} and the representative from Chase Bank said he would fax the buyout documents. I applied for a loan and was approved from XXXX XXXX XXXX in XXXX California for the loan amount and interfaced with the loan officer XXXX. 
As the loan was being processed I received a statement from XXXX XXXX XXXX saying I was past due with a payment. I called XXXX XXXX XXXX again and told them the loan was being processed and asked if I should sent a payment. I told them it was in a process of a buyout and gave the credit union information. The representative said it would be ok and I should not send in any payment as it would affect the buyout price. I expressed concern regarding any credit late payment and the representitive said it would be no problem if the car was in the process of a buy out. 
On XX/XX/XXXX the check was sent from my credit union to XXXX XXXX XXXX and the credit union representative was also in direct contact with XXXX XXXX XXXX/ Chase Bank . 

On XX/XX/XXXX I received a flag from XXXX regarding derogatory info on my credit report. Upon investigation it was noted that my account was 30 days past due from XXXX XXXX with the payment due XX/XX/XXXX. The check was received for the close out price apparently on XX/XX/XXXX. 
My credit rating went down 81 points. I was very upset and contacted XXXX XXXX XXXX  and told them the credit union and Chase were in contact with each other and the check was sent XX/XX/XXXX, and why was a late payment reported to XXXX  when XXXX knew the loan was approved and the buyout payment was on its way to them. I feel this is very unfair and uncalled for. Chase said they indeed receive the check and the account was closed, but could not promise me that the derogatory info be removed from my credit report.