WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX have failed to comply with my numerous prior validation request sent to them, in direct violation of Title 15 U.S.C 1692g.
I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.
To whom it may concern : I have been paying on my children 's student loan for about 10 years now. During this time I have had many issues with the loans. Here are a few examples of the issues I have had. I had been paying on the loan and then it was purchased by another company. When I contacted the company, they kept telling me to go online and set up a new payment plan. I have also had many forbearance payments and was never informed of an income driven payment plan. In 2008, my husband and I lost our home due to the interest rates rising. We were in difficult times and I had to stop paying for a while. When I called to start anew, I was deferred. I did set up an auto payment and was doing well, paying on time when again the loan was sent to yet another company. I did n't realize this until I noticed for two months I had n't had the money taken out of my account. When I contacted XXXX XXXX I was told it was sold again and I needed to call them. I did try a few times and received such a run around that I just gave up. After quite some time I received a notice for the loan. I called to see what I can do. I found out that I now owe an extra {$10000.00} on the loan. I am worse off now than ever! I did call and the lady was starting to put me on forbearance but she said, " well if you worked for a non profit you could have a income base repayment ''. I am with a non-profit organization and am in the middle of filling out the forms for this. What I am looking for though is help to reduce the outrageous amount of interest in this situation. My XXXX daughter told me about a lawsuit that is in progress against Navient and I would very much like to know if I qualify to be a part of this. I do n't expect to come out rich. What I want is a forgiveness of this loan or at least a large deduction. I believe in repaying my loans, but now I feel I am being bled to death. Thank you in advance for your help.
I wish to submit a complaint on behalf of myself and my wife. We currently pay a combined {$650.00} to Fedloan servicing for Federal Student Loans on the Income Based Repayment ( IBR ) plan. We recently learned that we are eligible to reduce our monthly payment by about a third, saving us {$210.00} per month by switching to the new Revised Pay As You Earn plan ( REPAYE ) that was implemented recently. We are both public servants trying to raise a family and provide the best life possible for our child. This {$210.00} per month we could be saving would go a long way to helping that. We both submitted requests to switch to the new REPAYE plan in XX/XX/XXXX. Together we have tried numerous times to contact Fedloan servicing through email and phone. On average they respond to only XXXX out of XXXX emails. The employees on their phone lines do not have clear ideas on when the request will be processed or when the new payment amounts would take effect. We have already made 2 payments since our requests were submitted, and the XXXX email I received back said they have n't processed the request yet and it could take 1-2 billing cycles after it is approved for the new payments to take effect. So by the time it 's all said and done, they may literally be costing us XXXX of dollars depending on their processing speed.
In XX/XX/XXXX I filed a Chapter XXXX XXXX Bankruptcy. I completed the plan and in XX/XX/XXXX it was discharged. Seven years have passed since I filed the Chapter XXXX XXXX Bankruptcy which is the statute of limitations for reporting a Chapter XXXX XXXX Bankruptcy as public record. I have repeatedly asked Equifax to remove this information from my credit report. They have reported to me and the CFPB repeatedly that they have, yet as the attached document shows they continue to report it.
XXXX / XXXX /  XXXX   I have been applying for Mortgage Loans and  Auto Loans and  they are trashing  my credit score  and providing false information. All credit reporting Agencies.     Key Factors -  XXXX  - Need to find the best loan possible, if they were not all thieves I could just apply and move on.    XXXX  - I have  XXXX  checking account  XXXX  and an auto loan through  XXXX  and I have to many accounts?    XXXX  - I keep a consistent balance in my checking account and double up on my auto loan for early payoff, I have no high balances or revolving accounts.    XXXX  - I have been paying on my auto loan. An installment loan is a type of loan that is repaid in periodic installments ( usually monthly payments ) that include principal and interest.What is the problem?
I was told by Quicken Loans that I could refinance with XXXX closing costs at 4.375 %. I would receive {$4000.00} in Lender Credit to cover all closing costs. 
However, if my house appraisal resulted in an 80 % Loan to Value amount to be financed, the interest rate would drop to under 4 %. 
The Good Faith Estimate was changed to reflect $ 3.999 %, but then the Lender Credit was changed and I was expected to pay almost {$3000.00} at closing to Quicken. The reality was that I had to pay to obtain the lower interest rate. 
I believe this is clearly bait and switch. Quicken should be ashamed. 
In an earlier complaint, filed by me, Quicken also ruined my credit score with their multiple hard inquiries on my credit report. 
I was also forced to forced to deny that I disputed an outstanding balance from XXXX Bank, when in fact, I did dispute it.
XXXX was informed properly that I would need my internet/ communications service disconnected at my apartment in XXXX XXXX XXXX XXXX , XXXX the end of XXXX XXXX. I settled my debt to end of XXXX XXXX and double checked that they everything tied up on their end since I moved to XXXX XXXX, XXXX end of XXXX XXXX. XXXX continued to draw from my account every month until XXXX XXXX when I finally had my accounts switched at my bank. I was undergoing XXXX treatment from XXXX XXXX - currently and while I was getting my finances in order I noted this unauthorized withdrawal. I spoke with XXXX XXXX XXXX again and it was " cleared up '' although they refused to return the 1.5 years of unauthorized draws on my account. XXXX XXXX I was made to believe that it was all taken care of. I never received a bill, phone call, email or any communications that there were any problems with my account and that I needed to do more. During XXXX XXXX XXXX - XXXX XXXX I moved back to XXXX at XXXX XXXX, near my family again for support. I again went with the only internet provider XXXX XXXX XXXX. They ran my information and I was given an account. They again reassured me that my past account from XXXX was closed and fine. When I moved after the end of XXXX XXXX back to XXXX XXXX XXXX XXXX, I was very through about making sure that my account was paid in full and closed with XXXX XXXX XXXX, again checking both accounts. I never received a bill, phone call, email or any communications that there were any problems with my account. 
This XXXX I received a threatening phone call from a collections agency ( XXXX and Advance Collections Professionals ) telling me that they would ruin my life if I did n't pay my debt and I should know what they mean. I had no clue what they were talking about and figured it was a wrong number. After a few very scary calls I finally got enough information that it was about XXXX. I immediately called XXXX XXXX XXXX to double check both of my past accounts which I had been informed were in good standing ( closed and paid in full ). XXXX XXXX XXXX assured me that they both were and that they would contact the collections agency to clear it up. I recently found that my credit score went from XXXX to below XXXX because they posted it on my credit that I have an outstanding bill from XXXX for XXXX XXXX, which I was living in XXXX XXXX and had already closed out my account with XXXX XXXX XXXX in XXXX XXXX. This is very frustrating and I feel helpless with this company basically saying " what are you going to do about our unethical behavior ''. I hope you can help.
Trying to pay down loan to 78 % equity to cancel PMI, we submitted payment of {$42000.00} in XX/XX/XXXX and another {$10000.00}, soon to be {$20000.00} in XX/XX/XXXX. Instead of applying payment amounts to principal and current month payment, the servicer, Ditech Financial, has applied our payments to future mortgage payments both times. They even ignored additional payments I had scheduled and never posted them! On top of that they refuse to cancel PMI since we are already at 78 % equity of the original loan ( originated in XX/XX/XXXX ) unless we pay for a new appraisal and they get an official request. By law they are required to cancel PMI automatically when we are at 78 %.
Purchased home in XX/XX/XXXX, XXXX XXXX XXXX XXXX My husband and I. in XX/XX/XXXX XXXX XXXX XXXX sold mortgage to Roundpoint mortgage XXXX XXXX filded chapter XXXX bankruptcy with XXXX XXXX and included the house. We were making monthly and ontime payments at that time. Two months into bankruptcy XXXX XXXX mailed notice for a motion to modify the Automatic stay that we owed XXXX XXXX XXXX XXXX XXXX XXXX ... ..back pay and we were ordered to pay XXXX $ a month. We ( XXXX ) paid Roundpoint XXXX, XXXX XXXX and XXXX XXXX all at the same time. Within chapter XXXX XXXX XXXX was Paying XXXX $ two months into Bankrupcy Payments automatically went to 700+ a month. We ( the XXXX ) were referred to a Contractor named XXXX XXXX to help resolve this issue. We ( XXXX ) never received a mortgage statement from XXXX XXXX and we have never taken out a second mortgage. XXXX XXXX XXXX which is not an attorney instructed us not to pay anyone because we are a part of predatory lending and deceptive practice. We ( The XXXX are expected to pay two mortgages and XXXX XXXX. XXXX XXXX completed the bankruptcy and has been discharged 6 months ago now XXXX XXXX is coming after us again for back pay which is currently XXXX. Roundpoint is tring to work with us for a modification but XXXX XXXX the " Contractor " has a freeze on my account. Round Point will not speak with Us so that we can ask questions and complete modification. Roundpoint Representive always says " We can only speak with your attorney ''! I never hired an attorney. I had court date on XX/XX/XXXX for case management order. Unfortunately I was late and have to motion back in court so I wont go into default for XXXX $ +. XXXX XXXX ( contractor ) has been paid by Us ( XXXX ) thousands of dollars since XX/XX/XXXX. We are not supposed to be in Forclosure. XXXX XXXX has received monies from us and has not filed montions to support predatory lending or to defend us from XXXX XXXX, and XXXX XXXX deceptive practice. I XXXX XXXX am seeking help because we are apart of predatory lending and deceptive practice. Currently tring to modify loan threw XXXX XXXX but cant speak with Roundpoint mortgage to confirm details. We do n't know who the real mortgage company is? Who received the extra monies with in Bankruptcy, and XXXX XXXX is posing as an attorney and taking money from consumers while sitting back as we go into forclosure. <P/><P/>address of property : XXXX XXXX XXXX XXXX XXXX XXXX roundpoint loan # XXXX XXXX XXXX XXXX Loan # XXXX circuit XXXX county court # XXXX
In XXXX, I received a statement from Chase Bank for a XXXX XXXX XXXX, including a renewal fee of {$390.00}. I immediately called Chase and downgraded the card to a lower level ( XXXX ), which had a {$95.00} fee. I was advised to not pay the {$390.00} in that billing cycle and that I would receive a credit the next billing cycle, and to call to have any interest reversed. I was then charged {$95.00} for the XXXX card in the following billing cycle, on XXXX/XXXX/15, but received no credit for the {$390.00}. I called on XXXX/XXXX/15 and spoke with both a customer service representative and a supervisor, both who indicated that I would be receiving the {$390.00} credit but not for another billing cycle. I complained that paying {$390.00} for something I had cancelled and in fact the bank had replaced with a downgraded benefits card ( and had charged a second fee for ) amounted to lending Chase {$390.00} and wait for them to pay me back. The supervisor indicated he would credit the interest from the XXXX billing cycle ( from my non-payment of the {$390.00} in the previous billing cycle ) and that I would see the {$390.00} credited back -- and I should contact Chase in the next billing cycle to obtain a reversal on the additional interest to be charged for the subsequent billing cycle on that {$390.00}. When the current billing cycle statement arrived in early XXXX, there was no credit for {$390.00}, the previous billing cycle interest was reversed, there were new interest charges applied. I called and spoke with a representative, a supervisor, and then an escalated floor supervisor. The representative and the supervisors informed me that I would not see the original fee credited at least til the next billing cycle, that it would not be for {$390.00}, but {$300.00}, and that the downgraded card 's fee of {$95.00} would be deducted from the {$390.00}, despite that a {$95.00} fee for the downgraded card had been charged in addition to the original card ( which was cancelled ) fee of {$390.00}. The floor supervisor indicated I would receive no credit for the {$390.00} despite the cancellation of the card and its benefits, and that I would be responsible for the {$95.00} downgraded card fees ( essentially I would pay for a card and its benefits that had been cancelled when it renewed, and receive no benefits for the {$390.00} ). He offered and will be looking into what had been promised previously. It is inconceivable to me that the bank can charge a fee for a card that is cancelled at the time of renewal, not credit it back, charge another fee for a downgraded card, and then indicate that the original higher fee can be collected without providing the card 's services. As an FYI, this is a Chase XXXX XXXX XXXX, vs. a Chase XXXX Card. I have the statements and names of those to whom I spoke after the initial contact when I downgraded the card, if those are needed.
I apply for a XXXX XXXX and they used Equifax to obtain a full credit report on me. My application had an incorrect social security number written down on the online application. ( I kept screen shots of my online application ) Equifax sent XXXX XXXX my credit report and placed a hard inquiry on my credit report. It took several months but the inquiry was removed by XXXX after great effort on my part. I would like to know what person information does a financial intuition needs to provide a credit report agency before the XXXX will send out a full credit report on an individual back to the requesting company? Can an inquiry be moved from the hard inquiry section to the soft section of a credit report for other reason than fraud?
On XXXX XXXX, 2016 I submitted a balance transfer request from Chase Slate card to pay off XXXX. I was instantly accepted for the balance transfer and it took 20 days to process it before the commerce bank card wa paid off.
I have being going back and forth with the three major credit bureau Transunion, XXXX  and XXXX. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.
My Experian credit report with another individuals name and All my personal information was sent out without my consent or knowledge.
RPM is calling me at work, they were told they can call this number yet they continue to do so. I had my legal representative try to call them. He tried twice and he was disconnected by their " operator '' after telling her, on a recorded line, they do NOT have permission to call and offerring to send his Power of Attorney
I had an alert on my credit report from a company I had never heard of, I looked up the company and called to find out there is a so called medical bill outstanding from 2010, which if it is in fact a real bill, it should not now be showing on my credit report after 6 years! I have never once received a notice of this bill as I have paid every medical bill off to date with no late notices. I do n't even have a notice or file number as they have never sent me anything! I do n't understand with HIPPA Laws, how my information can be handed over to some agency?
I have been making payments to Navient for 2 years. The amounts going to the interest should be decreasing not fluctuating from different months. For example, my monthly payment is {$430.00} first payment made on XX/XX/XXXX {$79.00} principle and {$350.00} interest. One year later XX/XX/XXXX {$85.00} principle and {$350.00} interest. Earlier this year I began making payments 2-3 weeks earlier then due date. On XX/XX/XXXX I made the XX/XX/XXXX payment, {$200.00} went to principle {$230.00} interest. On XX/XX/XXXX the entire {$430.00} went to interest. I contacted Navient, first representative, XXXX, put me on hold and disconnected me. I call back the representative, XXXX XXXX, not sure of spelling, told me because I made the payment early, there was 40 days of interest that had accrued and this is way they took the entire payment for interest. I told him the payment is not due until the XXXX and he said it did not matter. I am not a fool and this is a lie. I have been making my payments on time and Navient allocates they payments the way the chose. I know about the lawsuit filed against them, so I am not the only person. We struggle to make our payments and should not be treated like this. Your attention into this matter is greatly appreciated.
Back in XXXX of 2017 I ordered a free copy of my credit report for XXXX, XXXX, and TransUnion before I went out to try to purchase vehicle and I was denied. I looked over the credit report and noticed some major errors, also some new accounts and inquiries I have never opened up. It was really frustrating and embarrassing to have been denied for a vehicle. I have no clue of how these new accounts and inquiries XXXX 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX Acct # XXXX  XXXX 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX  Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX TransUnion 1. XXXX XXXX acct XXXX 2. XXXX XXXX XXXX acct XXXX 3. XXXX XXXX XXXX acct XXXX and inquiries without my consent. I contacted each credit bureau by mail with certified copies of letters and I never got any response from any of he bureaus. I 've been waiting for 5 months almost half a year and I have n't seen any actions being taken on the error fraudulent accounts. I sent over various documents along with police reports of the indetity theft and errors on my report. The customer service reps we 're rude and it was very difficult to understand them. I am now pushed to file a lawsuit against all three bureaus along with the companies that are verifying false information on my credit report. It is breaking the law and my rights are being violated. So with that being said I 'm fed up and ready to take legal actions against the bureaus and whomever used my name. I refuse to give any ample time because it 's been a very long time and this is really bad service on your part not communicating with me, rude, unprofessional. I will hire a private investigator in the mean time along with filing the law suit. See you in court. You can email me within 10 days of receiving this message and since you guys have broken the law, I wo n't allow more than 15 days for a response. Treat someone how you want to be treated.
I received a phone call that I was unable to answer on my cell phone no voicemail was left. Then I received a phone call on my work line and a message was left regarding a " personal business matter '' and left a reference number XXXX. I called XXXX XXXX back at XXXX ext XXXX. I called her and let her know on the recorded line that I was not giving her permission to contact me at work as I do not conduct personal business while at work which is why I could n't answer my personal phone when she tried to call. I also asked her to provide proof of the debt as I do n't believe I owe anything and if there is something it has to be over 6 years which in my state would be a time barred debt. I ca n't have this company calling me at work and I did n't feel comfortable providing my personal information ( address and social security number - even the last XXXX ) if I do not owe a debt. These people should not be able to contact people 's place of employment either. She told me a letter had already been sent and she would let her " client '' know that I said to mail me something. If she is attempting to collect the debt would n't the Client be Nations Recovery?
I apologize in advance for the tone of this email, but it 's frustrating to have had my mortgage sold to a company that is unresponsive and seemingly disinterested. 

Early in XXXX I switched my home insurance companies and began paying through payroll deduction. I informed the mortgage company ( XXXX XXXX, XXXX ) ahead of time of the switch, which they never processed. I received in the mail a warning that my insurance expired and Stearns was purchasing a more expensive plan for me. I called to resolved and remind them of the change, which seemed to resolve the issue. A few weeks later I saw a payment from escrow for the full annual payment for the new insurance policy. I emailed and called to attempt to resolve, with no luck via either route. I have since been paying a higher monthly mortgage payment due to the still included escrow amount for insurance, as well as paying for the insurance via payroll deduction. I have now been receiving refund checks from my insurer for over-payment and my attempts to contact Stearns are ignored - i.e. my emails are " acknowledged '' but never replied to and I have not received a call from the company. I refuse to call again after being " transferred '' back to the auto-prompt multiple times. My calls literally go back to square one. 

Below is part of the email chain ( redacted ) I have ( a one-sided " conversation '' ) where I explain the issue as I did over the phone and suggest what actions need to be taken to resolve the problem. This has worked as well as calling the company ( i.e. It does n't ). 
" I emailed you multiple times over the past month to update my insurance and escrow. It 's finally recorded with you, but the monthly payment on my escrow has not been updated yet and you paid my home insurance in full from my escrow when I told you in each of my emails that it is now paid through payroll deduction on my end. Please recall the $ XXXX you paid to XXXX XXXX on XXXX/XXXX/XXXX, adjust my monthly escrow payment to reflect the fact that I now pay home insurance through payroll deduction, and recalculate what is needed to be kept in escrow. Please call me to confirm what work has been performed on your end when this is resolved. '' ( redacted prior email ) " After multiple email tickets over the past few months with no success, I just spent an hour on hold, being transferred, and hung up on multiple times via the number provided here. If I can not get assistance via email or phone, I 'm not really sure what I need to do to get assistance. If you have any questions, and because calling or emailing you had been fruitless in numerous attempts, please call me if you have any questions or need to speak with me to address the above. ''