WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX They are calling me 2-3 times a day from numbers all over the country but recently, they have gone local ... XXXX and even right here in my city of XXXX. I asked them where they were calling from and of course they repeat " XXXX   XXXX '' and I say, " No, what city and state '' and I get " West Virginia ''. I say, " How are you calling from a XXXX number, then? '' I get, " Oh, we have numbers all over the country. '' This, of course, allows them to contact you way more than they are suppose to be doing, so it's harder to prove that it is them. I can certainly call up my phone log and highlight the calls if need be. I'm just really tired of this. If they want to contact me, that's fine but to get me to answer in the middle of work by sending their number as a local number is not cool. I think it's an emergency or something with family and I take it and this all goes on during my work time. I asked them not to do this.
Trans Union, XXXX and XXXX are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.
NPG National Principal Group XXXX has been calling my cell phone several times a day leaving screaming messages, threatening to use any means necessary to find a family member of mine. They use a recording to state the family member name they are looking for but the rest of the message is live. They state I need to call them right now and provide them the information they seek regarding this family member or they will continue to use any means necessary to locate this person. I called them, a woman answered when I asked for her name and her company name because she just picked up the phone with " hello '' she began screaming at me wanting me to give her my cell phone number. I told her I was n't giving any information until I knew who she was and what company. She said XXXX and NPG. I asked what NPG stood for and she screamed at me stating I needed to allow her to assist me by giving her the information she asked for or she would disconnect. She stated I better let her assist me or she was disconnecting then counted to XXXX and hung up. I called back she answered again. I told her she could tell me what her company name was and why she would be looking for a family member or I would not help her. She then said she could not tell me the " plethora '' of things her company did. I asked what NPG stood for and she finally gave me National Principal Group. I again asked why they would be calling me about a family member. She stated she could n't tell me that until I gave her the family member name or my cell phone. I told her I ca n't give her anything until she tells me what her company does, she again refused to tell me what her company does. I said well then I ca n't help you with the information you seek from me and I hung up.
In 2013 I paid my debt which was to XXXX however they sold my account to a Debt Management Partners company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to Debt Management Partners on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact Debt Management Partners at XXXX or http : //www.dmpcollections.com/. " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.
Hi. my name is XXXX XXXX.my adr.XXXX # XXXX.my pho.XXXX.my XXXX.ssn.XXXX.. i want buy house for michigan with morgace.i talk 2 month ago guy name employ. both guys friend ( 2 ) XXXX XXXX.id no.nmlsXXXX..his working with XXXX XXXX  XXXX.XXXX  XXXX XXXX XXXX..he talk to me he can help me.he take my all infor like bank, ssn, my id etc.then he say he work with too many comp. he give me pre appovel.from. XXXX XXXX XXXX.wasXX/XX/XXXX..i am going buy house with pre aprovel.also he talk too many times with my agent also sailer agent.he say evrythig ok. frek frist fni lone officer name. ( 1 ) XXXX XXXX. id no nmls XXXX .last 2week guys doing bank aprozel i pay money $ XXXX..this week was my sailer cont due this friday. 2  days ago i talk with XXXX.he say everytnng ok..yesterday he say XXXX XXXX XXXX.they going to bank now they no pic my phon.emil no answer.. closing down.why they doing like this like play with me..i lost my deopst money also bank aporzel money..ple.if you can go to aciton for both off guys ..XXXX  XXXX + XXXX XXXX ... thanks
While trying to close a refinance with a mortgage company, I was advised I could not close because there was an outstanding lien against my home that I was trying to refinance. I asked who had the lien and it was Suntrust. I advised the new refinance company that it was paid off on XXXX XXXX, XXXX and I was told I needed to get proof. I went to Suntrust and found that they still had a lien on my property and XXXX years later it still has not been removed. 

Suntrust Account XXXX : XXXX -- - What XXXX bookkeeping since the Suntrust clerk was able to pull the print screen showing the loan paid in full XXXX/XXXX/XXXX. I then had to send a letter to Suntrust requesting the lien be removed -- - I was told that could take up to XXXX days -- - this screwed up my refinance. Some one must answer for this mistake and provide proof that my residence does not have a lien against it. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX
This company CENTRAL FINL CONTROL out of California keeps attacking my credit for a debt which they have failed to prove that I owe. It for an alleged hospital visit that I was turned away for because the hospital did not accept the insurance which I had at the time ... ..
Failure to disclose investments. related cases are XXXX, XXXX, XXXX. " I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX. Citizens Bank ( formerly XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in 1979 and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of 1979 at XXXX XXXX XXXX in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX XXXX XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.
As of today, XX/XX/18, I noticed a pending transaction in my bank account in the amount of {$19.00} for TransUnion which I unknowingly signed up for several months ago when trying to do the free report. The previous withdrawals from my bank account escaped my notice until now. I have never received a single email confirmation or any correspondence to suggest that I was a part of a monthly subscription. I had no idea. Additionally, the email TransUnion had on file for me, after I went on today to cancel my account, was one they generated themselves which was blackhole @ tu. [ something ], which was completely unknown to me. 

I called today to cancel the subscription I never knowingly signed up for, and they wanted my social, address, and birthday. Not willing to give this information over the phone, I refused, and they were unable to continue to cancel the subscription. I found a link online to cancel it, and I will know if it worked next month at this point as there is still no confirmation email or any sort of in program confirmation page.
I filled out a dispute with TransUnion, XXXX and XXXX. Transunion did not remove the inquiries and I provided my report for stolen identity/fraud and two bankruptcies that are listed that are a mistaken identity. XXXX and XXXX removed the bankruptcies and inquiries and TransUnion has refused to for the past 3 months. I called after they would not remove the items to ask why and to ask for them to send me the name of the person they verified the information with and I was told I could not receive the information. I am a victim of ID theft and provided the proper information and I am filing a complaint due to the credit bureau not acting according to the Fair Credit Reporting Act. I request that the following inquires and bankruptcies be removed from my account immediately or the bureau provide me with a copy of the credit application, showing my signature authorizing the creditor to access my credit. 
Inquiries : 1. XXXX inquiry XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX   XXXX XX/XX/XXXX 5. XXXX-XX/XX/XXXX 6. XXXX-XX/XX/XXXX 7. XXXX XXXX-XX/XX/XXXX 8.  XXXX XXXX-XX/XX/XXXX 9. XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX 10. XXXX XXXX-XX/XX/XXXX 11.  XXXX-XX/XX/XXXX 12. XXXX ToXXXX XXXX-XX/XX/XXXX 13. XXXX XXXX-XX/XX/XXXX 14. XXXX XXXX-XX/XX/XXXX 15. XXXX-XX/XX/XXXX 16. XXXX XXXX-XX/XX/XXXX17. XXXX XXXX-XX/XX/XXXX 18.  XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 19. XXXX XXXX-1XX/XX/XXXX 20. XXXX XXXX-XX/XX/XXXX 21. XXXX XXXX    XXXX-XX/XX/XXXX 22.XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 23. XXXX-10XX/XX/XXXX 24. XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 25. XXXX- XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Accounts : 1. Bankruptcy-ref XXXX-XX/XX/XXXX 2. Bankruptcy-ref XXXX-XX/XX/XXXX
XXXX XXXX-XX/XX/XXXX -fraudulent XXXX XXXX XXXX-XX/XX/XXXX-fraudulent XXXX XXXX-XX/XX/XXXX-fraudulent XXXX XXXX XXXX-XX/XX/XXXX-wrong in formation never late account in forbearance.
My name is XXXX XXXX. My husband and I live in XXXX, Fl. and have since XX/XX/XXXX. We were in the direct path of hurricane Irma. We had a small tornado travel, quite literally, along the side of our property, taking out about 9 large trees. We called Mr. Cooper/ Nationstar in XX/XX/XXXX, and were told about the disaster deferment, where by they would simply roll three months payments to the end of our Mortgage note. ( We were seeing our principle drop by almost {$100.00} every month, when this began ) We accepted. In XX/XX/XXXX, we got a regular Mortgage billing statement, and having already almost lost our home over escrow the very year they purchased our mortgage, I panicked and we called in. We were told to disregard that notice, that we were in the deferment. We were told that the statement was computer generated, and just hadnt caught up yet. We were told the same thing In XX/XX/XXXX. In XX/XX/XXXX, we were told they wanted us to apply for a loan modification. I argued that we can afford our Mortgage payment of {$560.00}, which includes the insurance, not the taxes. We were told it is only a procedure for our lender, who needs to know exactly why we are three months behind. We have applied for this loan modification, and had to reapply, and had to submit all of my income and expenses, and I am not on the mortgage, but am on the deed, including the foster care income for having my grand daughters given to us to raise in XX/XX/XXXX. To date, we STILL do not have this modification, they are not, and have not reported our payments that we began making again, as scheduled, in XX/XX/XXXX, since XX/XX/XXXX. Our home is a permanently affixed XX/XX/XXXX XXXX, Refinancing it is near impossible. Selling it is equally difficult. Nationstar/MrCooper has offered NO assistance to Rehab, or replace, or refinance this home. What they Have let us know is that their options are as follows. Foreclosure, Deed in Lieu, where by we surrender the home and maybe they'll give us a little money to relocate, or short sale. We filed a complaint, they responded with that. We were told that they may be able to assist with relocation, if we are able to sell this home. Then told They cant do that because we are three months behind on our mortgage. Insult to Injury that they themselves caused.What I have learned is that due to their failure to report, it looks like we have not made any payment since XX/XX/XXXX. Making lenders leary to work with us. If the loan modification completes, we wont be able to qualify for a mortgage for over a year. And we are pretty much at their mercy. 
When they bought our mortgage, they doubled our mortgage payment from {$460.00} to {$760.00}, due to insurance. We fought for three months, it took a {$3000.00} loan from our newly widowed daughter to keep our home, then. 

On our current payment history per their web site, which I do have and can provide, they arent not putting any money to our principle. Meaning that to date, they have pocketed about $ XXXX of our money. Or more.
XXXX XXXX is showing up on my credit report. I have called them to please have them remove my name as authorized user, due to an authorized user can delete them selves at any time. XXXX XXXX is saying it 's my responsibility to contact the credit bureau and have it disputed. Per XXXX XXXX my name is not on the account number ( XXXX ) The last name on the account is XXXX and the first name is XXXX
Previously filed a complaint about access being blocked by capital one and received a response back from capital one and you closed the complaint. The matter has not been resolved and I am more than happy to provide an actual screenshot or access to my account to the bureau for validation of the continued blocking of my account. This is insulting and a bait and switch ploy. After following the instructions given by XXXX XXXX on behalf of capital one, I land on a page stating, in bold letters that my account is BLOCKED from allowing any access to 3rd parties. I have lost money and continue to lose money from this and this is why I continue to not be able to fund my accounts or transfer funds.
XXXX XXXX XXXX has been reporting inaccurate information repeatedly on all three of my credit reports, I have disputed this information monthly since XX/XX/XXXX and this information is still being reported incorrectly. I called to have the vehicle surrendered in XX/XX/XXXX the car was picked up in XX/XX/XXXXI did not make any payments on this car after XX/XX/XXXX The car was sold at auction for {$6800.00} and the deficiency balance is showing as the balance before the sale which is over {$14000.00}. This is incorrect and I have disputed this amount to be corrected for 4 years with no resolution. I have documents that show all the payments I remitted to them and what should be the amount reported. They have reported not only the incorrect amount but they have reported the car as repossession and this should be reported as voluntary Surrender.
I have been trying to restructure the mortgage on my home for the past few years. I had to go on XXXX. Wells Fargo refused to work with me until I started receiving Social Security XXXX payments. This took approximately XXXX years. When I did have the XXXX payment income I applied for restructuring but Wells Fargo said I did not qualify for any programs. THEY NEVER TOLD ME WHAT WAS REQUIRED TO QUALIFY. In XX/XX/XXXX I started working for my present employer XXXX. XXXX I was forced by Wells Fargo to fill out an entire new application ( I have done this at least XXXX times ) for mortgage assistance. I submitted a new application on XX/XX/XXXX. XXXX Wells Fargo is asking for a profit and loss statement. My application included a profit and loss statement from XXXX XXXX until XXXX XXXX. About XXXX weeks later I was contacted by XXXX XXXX of Wells Fargo and she said I had to send a profit and loss statement for the XXXX financial quarter and that had to be XXXX days long. I asked how was I expected to include the entire month of XX/XX/XXXX when I made the application on the XXXX of XXXX? After sending in a revised statement covering the entire XXXX days At the start of XXXX I was asked to submit statements from XX/XX/XXXX and XX/XX/XXXX since they were taking so long to review my application. At that time I asked what else they would want next? More bank statements? another application? Enough is enough. I was just recently asked to submit profit and loss statements for XX/XX/XXXX, XXXX and XX/XX/XXXX despite XXXX previously telling me they already have them. I feel that these delays and lost documents are intentional and the entire time the meter is still running on my mortgage. Currently my mortgage is about {$100000.00} but I owe over {$62.00} in missed mortgage payments.But those monthly payments included about {$300.00} a month that would be applied to the principle. In other words if I was able to pay off the entire {$62.00} past due my principle would drop to under $ XXXX.So if you deducted the money that would have been applied to the principle and then eliminate the monthly late payments that Wells Fargo continues to add on I basically would owe about {$130.00} principle and interest. That balance with a 2.75 % interest rate and my monthly mortgage payment would be {$690.00} THE AFORDABLE PAYMENT I WAS LOOKING FOR OVER XXXX YEARS AGO. Wells Fargo was willing to foreclose on my house and sell it for only {$100.00} so why ca n't they give me an affordable payment? And why are they continuing to delay working out a positive solution? I am XXXX and a veteran. I should not have to be fighting to keep a roof over my head.
I have had identity theft and I did not authorize or give permission for accounts to be open or things to be applied for in my name please help me to fix this
Both creditor sun trust bank and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away
I have been trying to contact the mortgage servicing company ( Roundpoint Mortgage Servicing ) for weeks to unlock my account. The account was locked because I was forced to change my password and was unsuccessful trying to log in afterwards. I have called the customer service number numerous times, and always get the message " we are experiencing high call volume ... '' etc. I have tried the option of having them call me back, I have e-mailed them, and I have waited on hold for hours at a time. It appears as if they have nobody actually available on the customer service line. 

In any case, I am unable to log in and am unable to contact them, so I can not get any information about my loan, tax info, or more importantly I can not ask other questions that require speaking to someone. Please help.
In  XXXX  or   XXXX  , I contested an item on my credit report that was reported as collection by  XXXX   XXXX   XXXX   XXXX . It is a  XXXX  bill that I have no legal responsibility for and know nothing about. I did go there for cleaning and checkup for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from Equifax, was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past.     This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into Equifax online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have  XXXX  removed, faxed the requested proof that I am not a  XXXX  and have never been a  XXXX  and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed.     I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days.     Thank you for your assistance with this matter.      XXXX   XXXX   XXXX
This is the second CFPB I am filing because the response to the first CFPB did not address our efforts to resolve this issue. The Affidavit of Lost Note is NOT acceptable to us, as it would be admitting that we have a home equity loan, which we DO NOT. We want CHASE mortgage to find the original note to our house, with our signature, proving that we took out a home equity loan. Since XXXX, 2016, we have been trying to resolve this issue of the 'lost ' note so we can refinance our house at the lowest possible conventional loan rate and not the home equity rate and attachment. We still believe, as told to us numerous times that the loan is miscoded. CHASE says it is not, but they have not been able to prove it. A Lost Note Affidavit is not proof. This resolution is not acceptable to us.
I have been rushcard member since 2008 and I stopped using it for awhile after the big issue they had before but a friend said if you do direct deposit you 'll get funds a day in advance. So i reactivated it, first direct deposit went through but todays didnt and i banked on getting that money for gas and food and i havent even made it to work and is on hold with them as im writing this 2 hours now. This company should not be allowed to play with people hard earned money and thank XXXX i didnt deposit my whole payroll check or id be in hospital for having a XXXX XXXX. Its not right!!!!
Approx XXXX XXXX 2015 I made complain against America Service Company I applied for loan modified and the paper work continue to get misplace from the Agency. I was never told they denial the claim, I began with a new Contact and they continue to ask for additional paper work I send the paperworked requested, When I ask XXXX the reinstatement amount he told he could not tell me and that home was not in foreclose status, after final talking with customer service, they said it was but could not give me a amount. I think the Company does not have any intention to help the consumer.Conflicting information.Omb # XXXX previous claim.
I had an account with Wells Fargo that I paid on time every month with out any late payments. They reported a late payment on my account and although the account has since been closed they are continuing to report the late pay on my account and negatively impacting my credit score and my ability to get the best interest rates on credit. I paid the final payment with a check clearly dated on XXXX/XXXX/2012 as the payment was due on XXXX.
I applied for a loan modification with my lender Bayview. I have since then have been approved for a loan modification. I have made my trial payments on time and have followed all of their instructions. I was sent my final loan modification documents on XXXX XXXX. Since then I have signed and sent the notarized documents back to the lender THREE times, keeping in mind to send it with the return envelope THEY provided for the return. I was recently sent a 3rd packet exactly the same as the previous XXXX to be signed again. I spoke to the lender and the representative told me it was normal for that to happen and to resign and send back. I did just that. Now today I followed up with the lender to confirm they received the fed ex and was informed that my loan modification was in the processes of being denied for failure to return the signed agreement on time. Which is ridiculous since I did so THREE TIMES.