WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke with Transunion today, X/XX/2017, asking them to remove XXXX credit inquiries I did not authorize. I was told I needed to get a letter asking the that the inquiry be removed, from the company who pulled my credit report. I authorized XXXX XXXX to pull my credit report. I was very specific about my credit report only being pulled one time. Instead my credit was pulled by XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. In addition XXXX XXXX has pulled my credit 4 times in 3 months, XXXX pulled my report and XXXX XXXX XXXXXXXX. I did not authorize any of these credit pulls. I have a fraud alert on my file due to ID theft and Transunion still lets just anyone pull my credit. At no time did I receive a call asking if I had authorized these companies to pull my credit report. What is the point of placing a fraud alert on my file if it is just going to be ignored!
I called Navient to reapply for the Rate Reduction Program I have been in for three years and was denied because of my cosingers information. My cosigner told Navient he is retired and does not have any income, in addition he does not have any social security money coming in as he is not yet XXXX. I have paid the amount due on my loan faithfully for three years and have never missed a payment. If my cosigners are retired and have no income, they can not pay their bills and afford to help me pay mine, which is what my cosigner explained to Navient. I am trying to give Navient money for my loan, but they are making it incredibly difficult to do so. I have been in this program for three years and have never had an issue reapplying.
On XXXX XXXX, 2016 i went to XXXX to load XXXX dollars cash on my american express serve prepaid card. The money never posted to my account. I have spent countless hours since that day on the phone with amex serve customer service. To no avail. They keep giving me the same runaround. They say they ate investigating the problem. As a result i wasnt able to pay my car insurance resulting in a cancelled policy. Also resulting in my vehicle registration being suspended due to no insurance. Ive gotten no definitive answer as to wen my money will be available.
Our clients were extended a loan modification agreement from Ocwen Loan Servicing via correspondence dated XXXX XXXX, 2015. They signed and returned same agreement XXXX XXXX, 2015. The terms set forth in the agreement from payment XXXX to maturity were {$2.00}, XXXX. Two weeks later, Ocwen sent out clients correspondence with payment changes to {$2.00}, XXXX. ( Original terms of the mortgage were fixed, never adjustable ). They called Ocwen and Ocwen advised to continue to make the loan modification payment per the agreement of {$2.00}, XXXX. As directed, payments were continually made per agreement, but all eventually returned. ( I have attached proof of same ). Litigation continued and now they are facing trial. 

Our client has had a XXXX and are taking care of a XXXX son. Please advise asap as situation is critical.
Please cross-reference with XXXX complaint # XXXX. 
I was contacted through email ( attached for this case ) on XXXX/XXXX/2015 by attorney XXXX XXXX with the attorney firm of Houser & Allison, APC. She said that they are outside managing counsel for XXXX XXXX XXXX, XXXX, and were retained to handle issues surrounding a loan. In my initial response to XXXX XXXX, I asked if they were representing any other parties other than XXXX. In her response, XXXX XXXX said that they represent XXXX and the owner of the debt without identifying who that owner is. In my response, I asked who that party is, and any other parties yet unidentified. Her response ignored this question and other questions, and proceeded to threatened me with foreclosure on the property. 
Previously to dealing with Houser & Allison on this matter, I had to deal with the attorney firm of XXXX XXXX XXXX. I was contacted in the same fashion, through email. I asked similiar questions to the attorney for that firm, who refused to answer them. 
There was a previous attempt to foreclose on the property by a foreclosure trustee, XXXX XXXX XXXX XXXX After I disputed the attempt to foreclosure with them and XXXX , eventually the trustee sale was discontinued. 
There has been a total disregard from XXXX and their vendors representing them to address my questions about the validity of the claims and legal standing that XXXX has to foreclose or modify a loan. My questions are never answered and they only respond with the information that they choose to put forward as a response which has nothing to do with my questions. 
I believe that these 3rd party trustee and attorney firms are hired in attempt to foreclose and liquidate the property to enrich XXXX, and are acting as debt XXXX under the FDCPA and they must comply with the requirements of it. 
I will be sending a debt validation letter to XXXX XXXX and Houser Allison on XXXX/XXXX/2015.
OnXX/XX/XXXX, I began to receive telephone calls from credit card companies and banks looking to confirm my personal details to complete applications for credit cards or other bank services. At this point, I realized I was a victim of identity theft.
I immediately checked my credit reports from the three bureaus, and placed a fraud alert on my profile. I also opened a police report at my local department. 

OnXX/XX/XXXX, I signed up for identity theft services to attempt to protect myself. 

OnXX/XX/XXXX, I was called by a lending company looking to verify my employment. It turned out someone had created a fake ID with all my valid information, including driver 's license number. 

I believe all of the above was the result of the Equifax data leak, as the timing matches with the breach as well as the fact that Equifax is of the only sources that contains all information needed in the attacks that I have suffered.
I am currently XXXX XXXX XXXX and have been trying to have my Employment Certification Form verified by XXXX XXXX for over two years now. The most reason submissions were on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. All were denied for erroneous reasons by XXXX XXXX. I had the person in charge of our XXXX XXXX on base sign and verify my paperwork and now XXXX is telling me said person is n't authorized and I need a different signature. However, when I call to find out WHO exactly they want to sign off on my paperwork they are if no help. 

Additionally, the admin office typed up a formal letter of service stating my start and anticipated end date for XXXX XXXX, this is a legal document. Also, I tried submitting a copy of my XXXX statement which once again is proof of military service which qualifies under PSLF.
I'm a victim of identity theft, in which I've contacted the Transunion and XXXX   of such, but the bureaus failed to block the charged off XXXX/XXXX  XXXX account under 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days XXXX XXXX # XXXX Please see attached copy
I opened the loan with Homepointe financial just under two years ago and my payment has gone up twice and I have not been able to get an explanation that makes sense and when asking to speak to supervisor theres never one available they Ive left three voicemails with three so called supervisors to no avail. Ive never missed a payment and I have a XXXX fica score theres no good reason for these increases if there is no one has offered to share it with me.
On XX/XX/XXXX I filed a complaint with CFPB against my mortgage company Selene Finance for incorrectly reporting to the credit bureaus that I was 30 days delinquent on my XX/XX/XXXX payment, 60 days delinquent on my XX/XX/XXXX payment and 30 days delinquent on my XX/XX/XXXX payment. After filing this complaint with CFPB they contacted my mortgage linder for them to investigate my complaint ( which they would not have done had it not been for CFPB ). I have never been late on my mortgage payment and was not late when I entered into an informal Repayment Plan for three months to avoid being delinquent due to XXXX and being out of work. Selene Finance discovered they made an error and they confirmed that they incorrectly reported this information to the credit bureau. I received a letter of apology from Selene Finance with a promise to correct their mistake and have the credit bureaus to remove these delinquent payments from my credit report but after todays date they have not. Today I called them and was told I was three months behind and I broke the Repayment Agreement. This is not true at all. I made the last payment under this agreement XX/XX/XXXX and and was never late. CFPB Case number XXXX, Account number XXXX. Please assist me in getting this resolved. I will include a copy of the letter they sent me. 

Thank you
I had a mortgage with Nationstar Mortgage ( account XXXX ) that was foreclosed. The mortgage had been passed to several other sources including XXXX XXXX XXXX ( account XXXX ). The first delinquency prior to charge off was prior to XX/XX/2011. But it has been passed around so many times that each company updates the date of last activity to when they got it. These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed. I have disputed them with XXXX XXXX and they have remained. 

I disputed it with the bureaus and they left them. I am filing this against the mortgage companies now
I had a XXXX at XXXX I could not pay XXXX all at once so I called and set up payments of XXXX a month which I have payed since 2012 I have not missed a payment. They send me a statement from XXXX each month showing how much I owe and thanking me for honoring my financial obligation, further stating since these arrangements were made for my convenience we ask you be promt and call if you ca n't. I am promt but they have reported this dept. My account is XXXX I pay this per my agreement and continue to pay each month I would like this removed from my credit report. I would understand if I did not pay the bill but I am paying.
I had an account with BankofAmerica in XXXX 2014, that was opened during that time i had a check that was deposited in my account for funds on a Friday that i did not know would not go through. When i found out about the check being returned Bank of America had already closed my account down and proceeded to take action, and did not speak to me to after they closed my account and placed a fraud on my name, which have caused me to loose employment as well as be provided with a bank account. I have tried to work with them towards a feasible solution, and have not come up with one that works for both the bank as well as myself. I am seeking assistance because i feel that i have been treated unfairly by this business in past and now.
The collection called a family member on there job and gave full disclosure regarding an alleged debt. This family member was not my spouse.
I received an email from a Citibank branded Goodyear credit card saying I owe them an outstanding balance. I believe that is a fraud email since I do not have any Goodyear/Citibank branded credit card. See email paste below. 


CitiEmail XXXX EMAIL XXXX Cardmember : XXXX XXXX Account Ending In : XXXX Member Since : XXXXAlerting Service Credit Card - Minimum Payment Due AlertGoodyear Credit Account Card XXXX Balance : $ XXXX Due : $ XXXX Due Date : XXXXLast Payment Amount : $ XXXX a payment was already sent, please disregard this message. To make a payment, visit XXXX and use our Online Bill Payment service. It 's fast and easy. 

You may also use that address to modify your alerts. 

Please understand that we can not respond to individual messages through this email address. It is not secure and should not be used for credit card account related questions. 

This message is for informational purposes only. 

ABOUT THIS MESSAGEPlease do not reply to this email. For account-specific inquiries, please sign on to your online account or call Customer Service.
I received a copy of my credit report. I noticed I owed I. C. System, Inc {$510.00}. I do not have a signed contract with I.C. System, Inc. I have never done business with this company. I am not liable for collections from this debt from I.C. System, Inc. I am not responsible for this debt with I. C. System. My desired outcome is to have this deleted from my credit report.
I reached out to Phoenix Financial Services LLC, about medical charges added to my credit report. As I was trying to get accurate information about myself, they have, they failed to identify me. The company was supposed to send me a letter validating the debt I supposedly owed. The company failed to do that, and we were not able to reach a decision. Based on my information, this debt is not valid, nor does it belong to me. Under the fair credit act, they are supposed to identify me and prove that this belongs to me. They failed to act in such a way, this debt was supposed to be removed from Phoenix Financial Services last year. I reached out many of times, this is why I had to resort to filing a complaint.
I received a voicemail message from " XXXX '' at " Legal Prevention Services '' looking for my boyfriends mother. My boyfriend received the same phone call about XXXX minutes later. I did not answer, so a voicemail message was left on my phone revealing the full name of my boyfriends mother and the fact that she owed a debt. Upon returning the phone call and immediately stating that I had received a message in reference to a debt owed by a person other than myself, she asked me for the number that she had reached me at and again stated the full name of my boyfriends mother and that her call was in reference to a debt. She continued to elaborate stating that when a debt reaches a certain stage, they use an internet search to locate any possible associates of the debtor and are authorized to contact them. Although this may be true ( I personally think its wrong ) she can not reveal to me that a debt is owed, and she did this XXXX to me and XXXX when she spoke to my boyfriend. From a quick XXXX search it would appear that this " agency '' violates the FDCPA with each and every phone call it makes.
Portfolio recovery Associates of XXXX, Calif. have repeatedly sent me calls regarding a past due delinquent loan account payment that is not mine. insisting that i set up a payment plan with them and settle this matter without further interest payment increases. I was offered several options as i repeatedly interrupted and proclaimed that it was n't mine. 
i told the person that there are many people out there with my name because it was very common, if they could please re-verify it once again. I was told " our system, clearly shows sir, that you have a balance of {$1200.00}, " How would you like to make a payment today sir? Debit or Credit Card or check over the phone using your router number and checking account? What amount are you paying today sir. I did n't have time to speak. I finally said, NOTHING!! I told you, I do not have a XXXX Account that is still open, I had one, but it was closed out. it was an auto loan. i said, send me to court! i will prove that you are wrong. She said, we ca n't take you to court sir. then why are you calling me? i 'm on the ' do not call list!! but you owe us this money sir, it was a loan in your name. you still owe this amount, plus interest. i hung up. i really did n't think they meant to speak to me.
A dispute was placed on a credit report regarding a medical bill that my spouse owes. I contacted the company and they informed me that this was a medical bill that my spouse owes and it is now my responsibility. I informed the lady on the phone that my husband XXXX away and she stated the bill is now my responsibility. I live in Mississippi an and it is not a community property state. I did not sign or agree to this debt and hold no obligation to repay it.
I have tried multiple times ( online and by phone ) to obtain my free credit report, both have said my information is not correct and have not been able to get my credit report ( with all XXXX companies ). I lost my social security card and have been denied credit, I just want to make sure no identity theft occurred.
This past XXXX 2015 I opened a checking/savings account at Bank of America XXXX XXXX branch ... the representative who opened the acct told me I could just use my checking acct and I would be safeguarded w/overdraft protection as well. During the next few months I noticed the bank kept transferring some $ fr checking to savings seemingly at random which they called " keep the change '' which I was not told about nor did I want. In XXXX XXXX debited my acct right after I enrolled online w/my acct info when I did not have the funds, a few days later a cash advance company debited my acct for a loan after I spoke with them and asked not to as the funds were not in the acct yet ... the bank allowed these transactions causing my bank acct to overdraft {$300.00} + adding XXXX overdraft fees of {$35.00} each. I spoke with a rep to dispute the transactions and have them reversed including XXXX overdraft fee. I stated I would refuse to cover anything but XXXX overdraft fee as I was informed when it was opened I signed up for protection. They have kept the acct open now since then charging additional fees I get an email stating the acct is overdrawn at {$280.00}??? This is ridiculous ... this bank obviously has no ethical obligation or regard for its customers by ruining their credit history for their misinformation and total disregard. And I will not close this acct without them reversing all these bogus charges. I need assistance in this matter and how to proceed. I need to end this abuse on the part of this banking institution. Thank you.
I was sued for an old debt of XXXX in 2012 which was bought by XXXX XXXX XXXX. Settled for XXXX and the court judgment indicated that the debt is Paid In Full once paid off as agreed. The settlement of XXXX was paid off a week ago and I went to the attorney 's office for the final documentation and pay off notice for my records. Frederick J. Hanna & Associates presented me with a paper showing a XXXX balance, I asked why is there a balance showing when the account is paid off and the judgment is satisfied. I was informed that what I agreed to was a " Settlement '' and that I did n't pay off the original balance. I provided him with the court documents from 2012 clearly showing the terms of the agreement and his response was ... he does n't know how the court could write that at the time even though their signatures and the court agreement terms were provided to both parties at the court in 2012. I asked how can you change the terms of the agreement after the Civil Action was filed and completed and considering that the original account was not owed to them? The document clearly shows a balance of XXXX and nowhere does it indicate that the agreed terms were met and the balance paid off as the court required. The attorney said that I paid/agreed to a settlement and did not pay off the original balance so the balance still remains, but if you " read ' the document it 's in there. However, he insisted that there is no balance owed, that the account was paid off and I am cleared. The document is written in a way that anyone can come along and sue me for the remaining balance and I told him that. He insisted that they only had to " read '' the document. It is a clear contradiction of the terms of the court agreement and a direct move to implicate me further in this situation. Had I not met the payment agreement as the court directed, my end of the deal would be null and void and I would owe the entire balance. So how at the end of the contracted agreement can they insert a balance to an account that is PAID OFF, I met the terms when I paid the balance off as agreed? I then requested a payment schedule which was provided but showed XXXX instead because my final on the spot CASH PAYMENT was n't posted to their account and a copy of the Satisfaction of Judgment which I have n't received yet. The attorney told me if anyone asked I could show them the payment schedule and the payment schedule. He also noted that this was their standard letter and it could not be changed. Utterly ridiculous shenanigans! The document does not indicate anything was paid, not the dollar amount, not the final agreement, nothing but a remaining balance and words to the effect that I owe a balance to an account that as of last week has been satisfied and paid off. XXXX XXXX XXXX has clearly reneged on the original XXXX Judgment of 2012 and changed the terms of the agreement after the fact.
There are XXXX accounts on my report that have passed the reporting time limit. The accounts are XXXX BANK Account no. XXXX and Account XXXX ... .. Charged Off. These accounts have been deleted off my XXXX and XXXX reports. I have contacted Experian by mail asking for these accounts to be deleted and they have n't. They would n't allow me to file a dispute case online indicating these items have disputed before.
On XX/XX/XXXX, I called my mortgage company to ask them to stop paying my local real estate taxes out of my escrow account because I was doing that now. 

On XX/XX/XXXX, my mortgage company paid my real estate taxes anyway, {$2000.00}. On XX/XX/XXXX, I closed my escrow account so they wouldn't pay any of taxes again. 

I then had to fight with my City to refund the extra tax payment. They did so by sending a check to my mortgage company on XX/XX/XXXX. XXXX. ( see e-mail confirming that ) So, I then started calling my mortgage company to get those funds. Each call lasted between 15 and 25 minutes. At each call I asked them to call my cell phone if there were any problems with my request. 

XX/XX/XXXX : they said they received the check but have not yet processed it. 
XX/XX/XXXX : same story XX/XX/XXXX : they have received it and will process my request XX/XX/XXXX : I was told there was a problem because the funds were deposited into a non-existent escrow account, so another procedure had to be started. And they would expedite my request and I should get it in a week. 
XX/XX/XXXX : I was told that it takes two weeks to process the request, so it should be done in another week. 
XX/XX/XXXX : I was told they sent me a e-mail on XX/XX/XXXX with some questions they needed answered. But I did not receive such an e-mail, but what are the questions and I will answer them. They said they didn't know, but they offered to start the process anew. 
XX/XX/XXXX : I called to tell them I was contacting my state Attorney General. 

My state attorney general said to file a complaint with the CFPB, so here I am.
I have been diligently paying my student l oan ( s )  ; {$5800.00} & {$17000.00} since  XXXX   XXXX  to  XXXX   XXXX , then Navient ( #  XXXX  ) took over said I missed a payment in  XXXX   XXXX  which I believed was misapplied and confirmed as I have a letter from Navient dated  XXXX / XXXX / XXXX  stating " my loan is current and in good standing ''.   I requested a  XXXX  Account  Manager  call me last week  XXXX / XXXX / XXXX , after paying on-line and being charged a late fee and I questioned the balance has not gone down in 12 years. I was read information from my account file today  XXXX / XXXX / XXXX  by  XXXX , Supervisor which I stated was not true to include the amount owed since I keep  getting 6-8 phone calls each day. The Navient Supervisor would not let me speak as I had a witness to this call  documenting the false/erroneous information being read to me by  XXXX , who abruptly hung-up without letting me articulate further. I also applied for loan forgiveness in  XXXX  under the law for the period of   XXXX   XXXX    XXXX   (   XXXX   )  in m y SSA Noti ce of Award dated  XXXX / XXXX / XXXX  after being injured in the line-of-duty as  a Public Safety Officer. Instead, I was placed in forbearance, explained I was not eligible, and placed in an Income Based Repayment Plan.