WillisBack/dataset-financial-user-claim huggingface dataset:
I have already contacted XXXX about a card they issued to me that I did not authorize and they canceled the account. A few months later XXXX/XXXX/XXXX they hit me with a hard inquiry. I contacted them again and told them I was not trying to open an account with them. They never removed their hard inquiry. Now again .... they have hit me again with another hard inquiry on XXXX/XXXX/XXXX. I have reported fraud to the credit bureaus but hard inquiries that are not mine are killing my score. I also contacted XXXX XXXX who did a hard inquiry XXXX/XXXX/XXXX & XXXX XXXX XXXX/XXXX/XXXX, that I did not authorize and they are both still showing. The most recent to show up has been XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. I do n't understand how these companies can hit you with something like this without verifying if it was authorized by you, these inquiries are killing my score, please help!! Thank you!!
I Have been sending letters to this company XXXX XXXX, for the last 9 months. Asking them to show me all the proof as to this being my debt. Every month in reply Midland would only send in return a bill. I will upload copies of these letters as well as the letter asking if they were even licensed and bonded in the state of Texas.
Im writing this evening about an account that was removed by XXXX but XXXX is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from Experian as well. I also have a hard inquiry on my XXXX credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. XXXX is putting the wrong city on my credit report my city is not XXXX XXXX its XXXX please correct this as well.
there are 2 disputes on my credit card and both items and orders where canceled on one dispute the XXXX was rightly charged the merchant refunded my money, but captial one has kept that XXXX  on my account refusing to remove it and charging me interest.
on the second one i was charged XXXX rightfully. the item was defective, and i work endlessly to get the merchant to send me a return label and they never would so i filed my dispute. so the XXXX was on my account then capital one took it off XXXX. they sided with the merchant even though i could not get the merchant to corporate with me about returning the item so it sets by my door for 2 or 3 weeks, and capital one places the XXXX back on my account. and even though i used there upload link to upload the information they requested. other than a reason why the merchant would not return my funds from another merchant. other merchant is not gon na get involved in my problem. anyway a few days later the merchant sends me a return label through XXXX and XXXX picks the item up, next i upload everything to capital one and they are sending me letters that i still own all of this money even though orders were canceled or either returned once the merchant sent me the return label.
XXXX assured me that I have 10 days grace period from the XXXX to provide a payment or Honda Finance will have to start paperwork to remove vehicle. XXXX then informed me that he will be sending out paperwork to this agreement. XXXX also explained the payoff for the vehicle is {$9300.00} and at the {$200.00} dollars a month for 3 in years. I received the agreement in the mail approximately 5 days later. 
On XXXX XXXX, XXXX around XXXX I received a knock at the door stating that they were at my home to repossess my XXXX Honda XXXX. I told the male that they have picked up the wrong car because I have an agreement that states my payment is not due until XXXX XXXX, XXXX. The man looked over the agreement and said something is not right. He also had a lady with him that was very rude and nasty saying just get what you can out the car we are taking it now. My daughter items were in the car for her work as a cosmetologist and " personal paperwork '' for individuals I needed for employment while being rushed. The XXXX XXXX asked my neighbors to remove their car in order to retrieve the Honda XXXX this is embarrassing when I have paperwork that the car should have never been removed.
I received repeated phone calls from a company called Halsted Financial about a debit they claim I owe to XXXX. I told them I 've never ordered anything from XXXX, and I asked if they feel this is a valid debt, please contact me via mail. If was told the phone calls will continue until the debt is paid. They call all day long, and I block the number and they call from other numbers. One representative had the audacity to tell me to and I quote " LOOK FORWARD TO MORE CALLS COMING MY WAY. '' This is unacceptable even if I owed the debt they are claiming. X/XX/2017 XXXX : XXXX, X/XX/2017 XXXX XXXX, X/XX/2017 XXXX XXXX, XX/XX/2017 XXXX, X/XX/2017 XXXX, XX/XX/2017 XXXX, X/XX/2017 XXXX. The list goes on. If there anything u can do to stop them from harassing me about a debt I 'm telling them I do n't owe, it would be greatly appreciated. XXXX XXXX
GINNYS : I have never requested a line of credit with Ginnys. I started receiving the magazine which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. 
Thank you
I applied for the XXXX XXXX XXXX Back American Express credit card to take advantage of the balance transfer promotion that was being offered to new cardholders. They sent out the first card and I did not receive it, when I called to inquire about where the card was they canceled that card and sent a new XXXX. However, they sent the card to the address I specifically asked them NOT to send it to after I had twice provided an alternate address. Again I did not receive that card so they canceled that card and sent me a third card, which I received 2 days AFTER the 30 day window for new cardholders to complete the balance transfer. When I called American Express, I was told there was nothing that could be done and refused to provide me with the offer that was promised to me when I originally applied for the card. The person who I spoke with transferred me to a supervisor who was very rude and condescending and whose name was XXXX XXXX XXXX ID XXXX ). I explained to her that I had tried to make the balance transfer but was told I could not do so until I had received the card and that the reason why I had not received the card was the fault of Amex and not me, she again told me there was nothing that I could do about it and said I would not be allowed to speak with another supervisor.
The person on the other end of the line only verified the address of the debt with me on the phone and did not verify that they were speaking to the person that they needed and proceeded to give out personal information-about it being a loan for school.
Filing a complaint against Transunion for failing to respond to disputes/ method of validation request.       X/X/17 -  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.  ( please see letter )    X/XX/2017 - Received a response from Transunion which listed one account as deleted and the oth er account, "   XXXX   XXXX   XXXX   XXXX   '' as " verified as accurate and updated ''  X/XX/2017 - Sent a letter to Transunion requesting  method  of verification as I completely disagree with the results they stated on   XX/XX/XXXX   XX/XX/XXXX -  Received a letter from Transunion stating " we are unable to process your request because we were unable to determine the nature of your request or your request was ineligible '' ** If you read my letter, it is clear that I was requesting a method of verification for the debt they claim that they " verified '', Especially since I asked for several pieces of information.       X/XX/2017 - Sent  a letter to follow up on my " method of verification letter ''. Requested that accounts were deleted immediately since they only sent a response to delay my request and they did not respond with the requested information.     To this date,   XXXX   XXXX   XXXX    , I still have not received any of the requested information from Transunion.
After getting information at work about fed employee forgiveness plan I sent the required form. After many calls to find status I was told I qualified. I continued to go online at fed loan but account not set up yet. Received letter stating do not send payments to previous lender XXXX as loan was transferred. More attempts to get info from fed loan but account not set up yet. Mean time fed loan sends bill for XXXX dollars. Sent the payment expecting adjustments with next bill. Next statement said I owe XXXX dollars. Called fed loan and was told that was my monthly payment. I had been paying a manageable XXXX dollars a month to XXXX and this was unreasonable. Fed loan said I was paying too little? I was told that if made all of my payments on time All previous payments would count towards my XXXX payments. After phone calls I was told I had to consolidate first. I never signed a contract stating the terms of this loan and want to go to my original loan with XXXX. Is there something I should do?
There was identity theft used to open an account with fraudulent activity causing all of my Chase Accounts to be closed and my personal file to be hotlisted. I filed a claim to prove it with their department in which they sent me an unsigned confirmation letter that my claim was true, they still refuse to remove me off of the hotfile. They will not participate with the branch to the point that one department denied the letter was sent or issued while another department stated it was sent but not signed as was their protocol. At this point Chase has not acted in good faith. Despite being found innocent.
When I lost my job, I contacted Navient to ask for a forbearance and was told that there were no options available to me. I graduated from XXXX in XXXX. Unfortunately, I had requested a forbearance when I did not XXXX on the first attempt and had requested a forbearance again when unemployed in XXXX. According to Navient, I exceeded available forbearances and they would pursue collections against my co-signor who is now retired and on limited income.
Soon after the purchase of our home, XXXX XXXX sold our loan to Freedom Mortgage. We did not have an escrow account. Prior to the change over XXXX mistakenly created an escrow account and paid {$950.00}, which was corrected and credited back. However, when the loan account was transferred to Freedom this documentation was not with the file and they received an account with an escrow shortage of {$950.00}. Which they tried to collect from us. We informed them there was no escrow account and never was. We had XXXX on a XXXX way call with Freedom and XXXX stating that this was the case and that everything was current that XXXX never sent any bill. XXXX submitted the documentation for this to Freedom directly to XXXX XXXX ( this freedom agent asked for it to be directly sent to her ) on which we were cc 'd on the email. Freedom continued to deny receiving the document which we were fully able to view, open, save and see from the email. We again submitted this directly to now XXXX ( XXXX XXXX ext XXXX ) as well as Freedom 's customer care multiple times, with no response. We did this multiple times over the next few months. With no follow through from Freedom at all, never once have they called when they said they would. We finally had to fax the document in order to have Freedom confirm the documents receipt to XXXX. Freedom still claims they can not alter or correct the account or close the escrow account even with this documentation. They then put a hold on our last months payment, the funds have been taken from my bank account fro the scheduled payment but not applied to our loan. They are imposing late fees and have also filed to make our account delinquent with 30 day late payment. All the while we are fully paid and submitted on time properly. The funds have been taken from my XXXX XXXX account for the mortgage payment on time but payment has been not applied to the loan. We are in the process of trying to buy a larger home for our growing family but can not with a 30 day late report on credit file now. This process has been infuriating and completely the fault of the mortgage companies and nothing whatsoever to do with anything that I have done. This has been going on for months with hundreds of hours on the phone to Freedom and XXXX. Freedom has gave us the run around, lied to us, and provided no assistance. We also reached out to XXXX to have them set up an appointment to talk to Freedom as well. Our new broker suggested we contact BCFP and that this is exactly what you guys are here for.
This company collects on XXXX XXXX loans such as Auto and Credit cards and XXXX XXXX  mortgage loans mainly. The Collectors use abusive language to collect from there customers. The collectors and company do not follow the FDCPA guidelines on there calls and letter campaigns. They do not have proper training and rules. 

They have a lot of quality and compliance issues and keep those employees that are known violators employed and unpunished. They need to get it together.
On or about XX/XX/XXXX, I contacted Speedy Cash in person to withdraw any consent to have payments automatically deducted for a Title Loan. I was told that action was taken to stop automatic deductions. This was done at the Speedy Cash location at XXXX and XXXX in XXXX, KS. On or about XX/XX/XXXX, I contacted Speedy Cash to ask for an extension of payment on my Title Loan.  The request was granted and given a date of XX/XX/XXXX. Today, on XX/XX/XXXX, I went to Speedy Cash at XXXX and XXXX to pay off my Payday Loan and Title Loan. I was told that Speedy Cash attempted to withdraw funds from my bank account, without my permission, and that they had put a block on my debit card and I could not pay. These people are already taking advantage of the poor in America. Why are they still allowed to operate under such unscrupulous activities?
Round Point Mortgage Foreclosed and sold my home during a VA Loan Modification application process but they neglected my application and Denied modification process to protect the best interest of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. 
Round Point Mortgage stated they sold home to another recipient for around {$220000.00} and it wasn't sold to XXXX, Texas Real Estate XXXX XXXX. 
XXXX sent me a note that him and his wife bought my house at XXXX County Auction from Round Point Mortgage Law firm XXXX XXXX XXXX. 
So, Why is Round Point falsified that XXXX XXXX is not the recipient who purchase my home at auction? 
Also, HOPE Program Rep called Round Point Mortgage and assisted me on VA Loan process, we called twice and the second time, Round Point Mortgage Rep stated they sold the house at the auction on XX/XX/2018. 

A completed application was faxed and emailed and Federal Government has evidence and one last note, Round Point Mortgage was given evidence on my XX/XX/XXXXXXXX and Pain issues and under Prescribed Medications and XX/XX/XXXXXXXX Treatments with my Primary Physician and Surgeon Dr , XXXX XXXX XXXX. 
Round Point Mortgage has violated my ADA Disability Civil Rights Act under Department of Justice and has Discriminated and Retaliated against me because I filed various Federal Complaints and because I am XXXX XX/XX/XXXX and a XXXX US Military Veteran. 
Since Round Point Mortgage has violated Federal and State Law in selling my home and facing alledgations of VA Loan Modification, VA Loan Fraud, Corruptions and Frauds there should be a Financial Restitution of the equity  of my home to accommondate me on my new home that I like to persue in California. 

Respectfully, {$8000.00} is not enough to purchase a home in XXXX, California. I need a home to be retired in peace and nurse my XXXX XXXX. 
Round Point Mortgage Law Firm doesn't want to accommondate me on my XXXX and not honoring and supporting me as a Military Veteran.
threatened a state guy would charge me. Called several times after I asked them not to. Calls made after XXXX XXXX. Threatened to sue me, said I would have to pay more fees to attorney. Refused to send me verification the debt is mine.
I am having trouble with Zions Bank not approving direct deposit from my current employer into my checking account. It shows that my employer tried to deposit my check but was only allowed to deposit XXXX. Its very frustrating to sign up for something and it not go through.
My partner and I have lived in our home in XXXX XXXX, MD for over 22 years. Because we are both in XXXX XXXX  and work on commission, our incomes always fluctuate. So many times during those years we have gotten behind, but we would send what we could until we could fully catch up. And always the mortgage servicing company accepted those payments, whatever they were ( see attached ). And that has been true of Select Portfolio Servicing, Inc. ( SPS ), our current servicer. 

However, on or about XXXX XX/XX/2018, I sent SPS a check for {$4000.00}, which SPS returned on XXXX XX/XX/2018 ( see attached ). SPS rejected the payment and in its unsigned letter said it would only accept over {$17000.00}. More recently, SPS returned a payment of {$18000.00}. 

As I noted above, our incomes fluctuate regularly and the markets have been slow for us the past year or more. We are doing the best we can, and SPS is just trying to force us out of our home, even though it has in the past taken payments less than the full amount owed. How can a mortgage servicer, which is supposed to work to get money to pay down a debt, reject significant payments? I feel that something has changed to propel SPS to treat me in a different manner than previously and that the company 's motivation is suspect and possibly discriminatory and thus not legal.
These XXXX XXXX XXXX loan accounts are appearing incorrectly on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been XXXX discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been paid/forgiven/discharged and closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged/forgiven from my name. 

XXXX XXXX had transferred the accounts to multiple departments before they were forgiven, so I had an extremely difficult time getting this information. 

These accounts are reporting incorrectly, and are negatively affecting my score. I have sent in documentation and disputes to Experian a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.
In regards to the Equifax breach, I have been trying to enroll in the protection plan. However, they are making it unduly cumbersome and is beginning to feel like an exercise in the quixotic. 

I signed up a week ago. The website told me to go to another website in 5 days to complete the process. There were no originating or follow up emails - instead I copied the link and added a reminder in my calendar. I went back to the linked website on the day that it would be ready and effectively had to repeat what I did the first time. This then took me to a second step wherein I had to submit all of my private information. After completing this step, the website stated that I would receive an email to confirm my sign up. An email that I have still not received. 

This is a ridiculous process and one which I highly doubt is nearly as cumbersome if I were to just pay for the service at a different time. ( On a side note it is also ridiculous that this protection is only being offered for one year where I believe 10 years should be required. On a second side note I truly hope that Equifax and all it 's ( previous ) shareholders are held to account ). 

Thank you.
yes I contacted by phone enhanced recovery and tried to dispute the charge they stated I had to fax or mail it so I did they still have not fixed this false debt as I never had a XXXX account in my name ever.
I am currently in chapter XXXX bankruptcy. Wells Fargo has misapplied payments I have made for current monthly mortgage payments. Wells Fargo has represented on recorded phone calls they can't distinguish between payments I make monthly and payments the chap XXXX bankruptcy trustee makes monthly. 

My payments are for a full mortgage payment, this year I was told to pay XXXX beginning in XX/XX/2018, then in XXXX after filing a complaint, I learned Wells Fargo should've asked for the courts permission to increase my payment but did not do so until XX/XX/2018. They then withdrew their request for a payment increase-stating it was submitted in error and stated my monthly payments were XXXX effective XX/XX/2018. 

Trustee payments should only be applied to the pre-bankruptcy filing debt. Not current monthly payments. 

Wells Fargo did not begin accepting payment from me again until XXXX. 

These are the payments I have made in XX/XX/2018 Date Amount XX/XX/2018 {$4900.00} XX/XX/2018 {$1300.00} XX/XX/2018 {$1400.00} XX/XX/2018 {$1400.00} XXXX Contacted by Wells Fargo Bankruptcy department to tell me the results of my audit that took place XX/XX/2018 XX/XX/2018, did not need to make a XXXX payment. Pay in XXXX. I had enough in unapplied funds to cover XXXX 's payment. POC XXXX XXXX-Manager. Was told it would take 72 hrs to post funds to my account. 

XX/XX/2018 {$1400.00} XX/XX/2018 {$1400.00} XX/XX/2018 {$1200.00} XX/XX/2018 {$1200.00} Total Payments from me : {$14000.00} So I've actually overpaid my mortgage XXXX-XXXX-Where 's  that money showing on my account. 

Yet wells fargo has filed a notice with the court indicated I have not paid XX/XX/XXXX-XX/XX/2018. They are now trying to foreclose on my home even though I've been making monthly payments. This has been a reoccurring problem since being in bankrupty. Wells Fargo does not know how to handle accounts in Chapter XXXX bankruptcy. 

Now one of the reps who are assigned to my now 2 open CFPB complaints are returning my phone calls nor have they completed processing of my complaints. I have not heard from the latest rep assigned since XXXX even though I've left several messages. 

# 2-XXXX XXXX has given me inaccurate reinstatement quotes on my loan, usually XXXX plus dollars. Now suddenly a new note has been added to my statement showing my pre-bankruptcy debt was {$17000.00} and thus far {$9.00}, XXXX has been paid. I still owe {$7800.00} with is XXXX less than the reinstatement ( get my house out of BK and get back on normal payments ) So which figure is correct. 

# 3-I have two open complaints that have not been resolved since XX/XX/2018-now no one is returning my calls. Last contact was XXXX and I've left several messages.