WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/XXXX I ask for a Pin Number involving My Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through four more Equifax Confirmation Numbers after asking for a Pin Number to my Equifax Credit Freeze Report.

And after five tries one Equifax Representative stated that stated on XX/XX/XXXX ta creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This was absolutely and totally wrong.

I left XXXX, XXXX on XX/XX/XXXX, and moved into the XXXX XXXX XXXX, in XXXX XXXX XXXX, on XX/XX/XXXX.

I ask which creditor? Because all of my creditors including Bank and Department Stores Credit Cards along with XXXX, XXXX XXXX   knows my Address and it has been since late XX/XX/XXXX And what's troubling, Equifax could not reveal which creditor it was that gave this false and erroneous address. I only have a few credit cards.

And that is the major problem. Which creditor I ask again and I could not get an answer as to which creditor it was that stated I still lived in XXXX, XXXX even in XX/XX/XXXX.

The problematic of this entire matter is that on XX/XX/XXXX, My FICO Score Report was sent to me with the same name and address as being XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX   XXXX some 11 years earlier. And how could Equifax get it some wrong in year XX/XX/XXXXwhen they got it right in year XX/XX/XXXX.

So who was it that gave this false report?

And since then I have changed my first name legally from being XXXX  to XXXX XXXX XXXX.

Please see the attached documents.
I leased furniture with a company called Acceptance Rentals I returned the furniture all of it they keep stating that I kept a mattress which I did not I have a invoice from them that states all items were returned they keep harassing me telling me I owe them monies for leased furniture I have asked them several times to stop contacting me and they keep sending me emails and asking me to pay what owe they are even reporting incorrect information on my credit report. I have asked them to provide proof that I have the furniture they claim I have but they do not the emails are on a daily basis.
navient wont change borrower to co signer happened when sallie Mae was the loaner they denied request also papers were filed electronically and the names were put in the wrong place daughter XXXX was to be borrower and me the father XXXX was to be co signer but companies refused to change it because money was sent to college I want to retire in a year from fire dept and dont want my name on this loan that should have been in my daughters name how hard can it be to change it she has been making the payments herself since grad school but they have consistently refused to alter the paperwork!
I filed a complaint with the Consumer Finance Protection Bureau regarding issues with Ocwen Loan Servicing and it 's predecessors not providing a 30 day FDCPA letter and I was told by Ocwen that additional time was needed and I was later contacted by Attorney XXXX XXXX XXXX informing me that his law firm represented Ocwen Loan Servicing in Complaint No. XXXX. I sent an email to XXXX XXXX as the letter clearly sated to contact him with any questions. I never received a response back from Attorney XXXX XXXX, but I have since discovered that Attorney XXXX XXXX is not licensed to practice law in the State of North Carolina. Valuable time was wasted by Attorney XXXX 's failure to contact me back and my property was sold on today, XXXX XXXX, 2016 at XXXX XXXX after Ocwen informed me on several occasions that the sale had been postponed. Once I had confirmation from Ocwen that the sale was postponed, I went to Ocwen online set up an appointment with my relationship manager to discuss alternatives to foreclosure while the sale had been placed on hold. The appointment was confirmed for today, XXXX XXXX, 2016 at XXXX. I was given a temporary relationship manager as my relationship manager was unavailable for the appointment time. At XXXX, during my appointment time, my temporary relationship manager informed me that the sale was postponed and that I could download the forms for a modification on-line. I called back again after the time that the sale was originally set for only to find out that the property was sold and that Ocwen had provided false statements to me regarding the postponement of the sale. I have attached a copy of the confirmed appointment time which mentions the fact that the sale was postponed along with a copy of the letter from Attorney XXXX XXXX, who is not a licensed attorney in the state of North Carolina.
Citi Bank Disputes XXXX, 2016 XXXX/mc Card # XXXX For {$190.00} charge from XXXX ( Time share Presentation ) Hotel Reservation. 
Made for XXXX XXXX. After the charge was made we were told of restrictions. 
XXXX XXXX never sent any email or other confirmation, a receipt nor say what their cancellation policy was. The Reservation was changed to XXXX XXXX. 

Their Unsigned letter dated XXXX 2016 from XXXX XXXX was never sent to us nor received. 

The reservation was canceled on XXXX, XXXX the reservation was canceled. 
XXXX XXXX was very rude and unprofessional over the phone and never sent us any documentation via email or otherwise as to their policies before or after the verbal purchase. 








XXXX XXXX XXXX
Paid bill on time from XX/XX/2017 to XXXX of 2017 of payment on statement sent to me. They raised payment in XXXX of a few dollars and we was never sent nothing or notified of change so for them months what we was sending wasn't enough so it made me delinquent for them 3 months. I was never told about the increase in payment or contacted. I seen it on my credit was how I found it. Was never contacted by the credit card company. Once I caught it I paid the late penalties and for a year now have not had any late payments. I feel this should be taken off my credit for i was never contacted.
unfortunately no one has contacted me, I 'm angry and frustrated with this situation, you really need to do something with this BANK Wells Fargo, almost 3 months of this problem and not call, no one left not knowing me what has happened with my dispute case that I place from XXXX XXXX 2016 I 'm attaching you again the information. 
they just telling me is nothing, only that they waiting for responds!!. and me too I 'm waiting for answers and results!!! 


XXXX XXXX/XXXX/16 XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel
In XXXX of 2015 I was told by a Green Tree Rep. that if I were to pay back escrow in the amount of nearly XXXX my mortgage payment would be XXXX per month. I called back the next day to confirm with another rep. that the information I received was correct. They said yes, if I were to pay this then my monthly mortgage payments would be the XXXX per month. I paid by debit from checking account over the phone. This was ALL the funds I had ( employed by local school district so this money was to last until the start of the XXXX school year XXXX. I received my next mortgage bill and it was different by only a few dollars. I called Green Tree and the rep. said that I had been misinformed. I had an emotional break down. They received nearly XXXX dollars from me and nothing. I have not even received a receipt showing where those funds were applied to. I have stopped payments until this matter is cleared up and waiting to hear from legal council.
Buyers applied for a mortgage more than 60 days ago. The ChaChase Bank has approved this borrower, however, they are hholding loan in underwriting because the borrower has aXXXX with XXXX and he is taking XXXX because he isover XXXX years old. XXXX has been asked to document the eexact amount of distribution monthly, which they ca n't do-so the tax tables have been provided, and they have explainedreturns on investment accounts are variable ... yet haveprovided a letter and tax tables ... The income e is less than $ XXXXpermonth and does not impact the borrowers ability to qualifyfor loan. This is ridiculous! We have missed closing by 21days. Outrageous!
I filed a dispute with XXXX about a account being reported by XXXX XXXX/XXXX  XXXX I asked for this account to validated and they claim that it was. I also sent a Validation of debt letter to said companies. XXXX Claims that this account was verified I don't understand how this debt was validated as this debt does not belong to me I never lived there. I received a response from Tenant Tracker stating I needed to contact XXXX XXXX but they are the same company according to the XXXX XXXX XXXX in XXXX Texas but they never validated my complaint stating that there records show valid info but how is that possible when account number between XXXX  and Equifax are different also it is Reported under XXXX XXXX on XXXX but XXXX XXXX  on Equifax and XXXX  this company is scamming people they will not provide me with a dunning letter are any forms showing my contractual agreement to alleged debt. Furthermore I had a mortgage company pull my credit figuring that will be the most accurate and XXXX XXXX does not show anywhere on my report from them just XXXX XXXX. That being said XXXX XXXX is breaking the law by not validating a debt trying to claim they are not a debt collector yet they are reporting to my credit reports as a debt collector. Also the dates are wrong they are reporting as this account was opened after last date of activity claiming open date of XX/XX/XXXX and XXXX XX/XX/XXXX there is no way this collection account is valid as I am in no way tied to this debt.
On XXXX XXXXXXXX XXXX XXXX XXXX XXXX. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.
I called XXXX XXXX Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.
On or about XX/XX/2018, I contacted Hunt & Henriques regarding a summons that was served at my residence while I was out of state. I spoke to XXXX XXXX who said he was the attorney handling the case. I explained that I was out of state and was not aware of the summons and that the 30 days to respond had passed. XXXX XXXX lead me to believe that he was already in possession of a default judgment but was will to a settlement agreement. Since I am unfamiliar with the legal process I felt I had no choice but to agree. When I received the agreement on or about XX/XX/2018, the letter stated in part " We expect that judgment would be entered in our client 's favor. I called XXXX XXXX 's office to ask why he led me to believe that he already had a default judgment, I also had questions about items in the agreement that we never agreed on, XXXX XXXX has never returned my call, I contacted the court clerk and learned that XXXX XXXX has requested a default judgment, and I would need to speak with the firm requesting the judgment. On XX/XX/2018, a judgment was entered and a lien placed on our home. The law firm of Hunt & Henriques used deception to obtain a judgment against me and caused embarrassment on me and my family sending several letters with their law firm name in bold letters make it obvious that they were attempting to collect a debt
I requested internet services from XXXX on XXXX XXXX, XXXX. The technician scheduled to set up the internet services at my residence never showed up during his scheduled window of time, nor did anyone call to reschedule. I never received the hardware that was part of my internet services requested because the technician never came. A bill was received dated XXXX XXXX totaling {$110.00}, I did not pay this bill because I did not receive the internet services. I called XXXX to explain the situation and close the account, as services had not been rendered. I explained that I would not be paying the bill dated XXXX XXXX and wanted to close my account. The person I was speaking to could not cancel my account themselves, apparently, so they transferred me to the account cancellation department. As soon as I was connected to a representative in the account cancellation department, I was hung up on. For personal reasons, I moved out of the residence I requested internet services for during the first week of XXXX XXXX. I received a bill dated XXXX XXXX totaling {$190.00} and called XXXX again to officially cancel the account, as my first conversation with them did not result in cancellation. The account was officially cancelled with XXXX over the phone on XXXX XXXX, XXXX with the balance owed being {$0.00}, confirmation # XXXX ( I have a record of one version of the cancellation confirmation number being # XXXX ). I received another bill dated XXXX XXXX totaling {$190.00}. I called XXXX Customer Service again to confirm the cancellation and that no amount was owed. I received yet another bill dated XXXX XXXX totaling {$300.00}. This time, I determined that calling representatives was not effectively clearing the account balance and stopping the bills from being sent. I wrote a letter dated XXXX XXXX ( photo attached as a file to this complaint ) confirming the sequence of events, my account number, and my cancellation confirmation number. I detached the portion of the bill you are supposed to include with your mailed payment, included it with the letter I wrote, and mailed both to XXXX. I received a letter from I.C. System, Inc., a debt collecting agency, dated XXXX XXXX, XXXX requesting that I remit payment for the amount of {$300.00} with XXXX being the creditor. I will send a letter on XXXX XXXX, XXXX to I.C. System, Inc. to request verification of the debt and that they contact me no further, outside of debt verification, while I dispute the debt. I am submitting this complaint today ( XXXX XXXX, XXXX ) in an effort to get all parties at XXXX on the same page, so that I no longer have this " debt '' for services not rendered.
SW CRDT SYS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SW CRDT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SW CRDT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX
I applied for a FHA purchase loan through XXXX XXXX XXXX in XXXX, LA and XXXX XXXX was my assigned loan officer on XX/XX/XXXX. I was referred to XXXX through XXXX XXXX, that, also, worked there. Since I already live in the home, I gave XXXX all of my income documentation and we locked the interest rate on the same day. I was told I had an automated approval and everything was good. I accepted the electronic consent and waited for the disclosures. Apparently, the local office in XXXX was closed down on XX/XX/XXXX due to a massive layoff of Loanstar employees. I was reassured the loan would be processed from a corporate location. I called XXXX XXXX and XXXX XXXX on XX/XX/XXXX because I still had not received a loan estimate. XXXX called the HR Manager to let them know of the issue. XXXX XXXX, regional manager, called her back to get more information on the loan on XX/XX/XXXX. On XX/XX/XXXX,  XXXX XXXX, operations manager, and XXXX XXXX, regional manager, called XXXX XXXX back to inform her that since the loan estimate was not sent in the required 3 day period, the file was not in compliance. XXXX had calleXXXX XXXX XXXX XXXX   compliance division and they informed her the file would HAVE to be withdrawn since it isn't in compliance. Also, they stated I could reapply in 30 days to continue with my purchase loan. As of today, XX/XX/XXXX, I have not received a notice of withdrawal or any communication from XXXXXXXX XXXX XXXX. I HAVE NOT withdrawn my loan through the company and didn't have any intentions to do so.
I was contacted in XX/XX/XXXX from a company called XXXX XXXX. They claimed to receive information from Navient about my existing student loan and wanted to offer assistance through the XXXX XXXX XXXX XXXX. I had an existing student loan balance with XXXX XXXX from my previous degree, and I specifically asked if I was able to quality through them since I had already paid several years with them. They clearly said no and that they would be able to help me with the Navient accounts. I stated I would look into it and thought I did need to do something about my loans but I had NOT yet submitted any paperwork. Shortly after, my XXXX student loan was consolidated to Navient. The consolidation forms were electronically signed and dated on XX/XX/XXXX ( not by me ). My loans were then immediately placed on forbearance. As time passed, I was unaware of what was happening, I contacted XXXX and they stated I needed to sign and submit certain paperwork to continue with the process, however, I did not submit and sign paperwork until XX/XX/XXXX, yet all was done back in XX/XX/XXXX. Today, XX/XX/XXXX, I contacted Navient to find out what was happening with my loans and why I was being charged {$82.00} a month from XXXX XXXX, they did not know anything and were not able to provide me with answers, I was asked by the Navient representative to contact XXXX XXXX. I contacted XXXX XXXX XXXX after my phone call with Navient, and I learned some more disturbing news. The representative from XXXX I spoke to stated clearly that " they had screwed my account '', I was able to qualify for the public service loan forgiveness through them and they would have taken my previous payments into consideration, something that I was told I could not do. I'm very upset and confused on what is happening with my account. 

I do want to stress that in no way is my complain against XXXX XXXX, they have been the only ones to be able to help me and answer my questions. This complain is against Navient and XXXX.
I refinanced an FHA mortgage into a conventional mortgage in order to get rid of mortgage insurance payments. My lender is Sofi. When I contacted the lender, I was promised an interest rate of 4.375 %. I signed a rate lock document that guarantees that rate for 40 days. 

However, in the closing documents the rate was stated as 4.5 %. In the rush to sign all the closing documents I overlooked that and signed the papers. 

Do I have any recourse? 

Date rate lock Expires : XXXX XXXX, XXXX : Date closing documents were signed : XXXX XXXX, XXXX.
Notified my servicer on  XXXX   XXXX  that my property taxes where showing delinquent on the   XXXX   XXXX     county  tax assessors portal and I was receiving past due notices from the tax collector as well.     My servicer figured out that they had been paying my property taxes to the wrong property. On  XXXX   XXXX  I was told that they would fix this and make sure the proper account was accredited. It is now ov er one  month later and I have contacted the  XXXX   XXXX   County Tax Collector and they have no record of my servicer ever calling to fix the error or apply the funds to the correct property address or request a refund from the other homeowner that the taxes where in paid in error to.