WillisBack/dataset-financial-user-claim huggingface dataset:
In 2011, took out a mortgage that later ended up being serviced by Fay Servicing. I read the report that CFPB fined them up to XXXX XXXXXXXX for multiple failures to protect consumers such as was the case with me, used illegal practices among other violations. The report says Fay has to pay back that money to those consumers harmed by those practices. How can I be assured that Fay will reimburse me? All of the details of my case can be found by contacting XXXX XXXX XXXX. Fay never offered or informed us about mortgage relief when this first happened. Now, for the past two years, I have been trying to get a loan modification with Fay and they keep asking for documents, then they let them expire and then ask for them again and again .... all while they have a pending case pushing for foreclosure. My lawyer says they ca n't pursue sale while we are in the modification stage yet they continue to do so. Thank you so very much. I look forward to hearing back from you. And look forward to the hope of getting reimbursed for damages.
We have had significant damage to our house during the hurricane. We have received our insurance check we had to submit it to Vanderbilt mortgage as a third party on the check. We have been attempting to get things repaired on our house we have actually paid out of pocket for quite a few things and they are not reimbursing us nor paying the bills of the contractors that we have hired to perform the work. They currently owe {$720.00} for the tarping to be done on a roof {$300.00} for the fascia to be repaired {$4100.00} for the remaining of the roof replacement and they owe me over {$4000.00} for reimbursement for items that we have previously purchased with our own money out of pocket for flooring, flooring materials and paint. the policy on their website says that claims are processed within five to seven days this is not been the case as I have been sending them emails and calling several times a week to try and get things processed and it is taken over a month to get two of these invoices paid. I have sent them numerous pictures to show progress as they have asked for and we still have not received payment for the things mentioned previous. I have contacted our insurance company to let them know that we are not able to get items repaired on the house due to the mortgage company being delinquent on paying invoices and reimbursement. The insurance company is also trying to help with a resolution. there is also a law firm in town that is willing to help with people that are having these issues with a mortgage company and we have contacted them and are on their list to seek assistance. we can not continue to ask contractors to perform work and then not be able to pay them. After speaking with XXXX XXXX numerous times who is a manager with Vanderbilt mortgage he assured me that things were going to start getting paid. I have maintained a list and the dates of every time that I've called, who I spoke with and emailed Vanderbilt mortgage with no success.
I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : XXXX Also Attached my paystub for address verification just in case it is needed
I previously held a revolving account with XXXX. In XXXX of 2013 the account was settled for a lesser amount, paid off, and then closed. This company is still reporting late payments although the account was paid and closed. It is not possible to be late on an account that does not even exist. I have filed four disputes to date. Every dispute finds that the reporting is inaccurate and the issue is fixed, until the following month. The company then reports that I am late as if the dispute and resolution never occurred. When I call the company directly I get continuously transferred and am forced to leave a message. I have never received a return call or any attempt to fix the situation directly from the company. This is harming my credit and effecting my chance to purchase a home.
I submitted a dispute to XXXX to verify a specific account with XXXX XXXX XXXX. On XX/XX/2018, I received my dispute results in the mail stating that they verified that this account belongs to me. I am under identity theft at the time and I do not recognize this account. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the CRA. If either party has the records you can request a copy under the FACTA act, SEC 312 ( b ) and ( c ). I would like to challenge how XXXX   came to this decision without verifying the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
I have disputed this Syndicated Office Systems Account. I have provided them with an identity theft report that I completed with the FTC. To date, they have not remove this account from my credit file. Please assist me in getting this matter resolved.
USAA has been sending unauthorized ACH Payments to XXXX under different accounts for 2 years. They are refusing to do an investigation and teturn my monies I have photos of excessive ACH withdrawals from my checking. I am requesting someone to investigate and follow up! I am overwhelmed with multiple banks and transactions since My identity has been compromised
On XX/XX/2019 I made an online payment on PNC 's website. The next morning I discovered that they had withdrawn the mortgage amount twice without my authorization. 
I called them immediately and was told that they had a glitch int their system and it would take 24-48 hrs to return the funds. I called them again on XX/XX/2019 because the money had not been returned as promised. This time I was told that it was 24 -48 business hours from the time that I called them. 
They have put the onus on the consumer to call them prior to them releasing the unauthorized withdrawal and have done nothing to inform the consumer of the mistake. In the meantime I have had overdraft fees and have to use a credit card for any new expenses. PNC has not offered to refund any interest or finance charges on the credit card and they have prevented me from using the money as a source of income. They will not reimburse for opportunity lost.
Have been called several times by this company saying I still owe money on an account. I paid the account off in 2006 and told them that. Continues to call me despite the account being paid off over 10 years ago and past statute of limitations.
The Original Creditor ( XXXX XXXX XXXX ) closed the account of {$1100.00}. An unauthorized account was opened by XXXX XXXX COMPANY LIMITED LIABILITY COMPANY on XX/XX/2016.Nothing is due to XXXX XXXX COMPANY LIMITED LIABILITY COMPANY because I never agreed to a contract with them.
My account was paid in full. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a month. They also have told the credit bureau that the account is reported accurately and thats not the case. I spoke with XXXX XXXX and paid in full on XX/XX/18. As of today theres still a balance showing.
Hi this debt is from XXXX, I submitted to the company a Driver license, my state ID, and my Social Security card and My full passport and my police report. proving I was out of the country for three years. I even drove to the doctor office and they do n't know me or I do n't know them? they also had no file of me. 

and its still not resolved. They want even more info. this account is from fraud.
The issue is about Premier Rewards Gold Card from American Express. On XXXX, I called customer service and asked if my charges from XXXX XXXX XXXX would qualify for the airline fee credit. They answered yes because although the airline I selected was XXXX, XXXX acquired XXXX XXXX and they did not have " XXXX XXXX '' in the drop down list. The charges were on XXXX. I called several times after then and every time the representative said I need to wait longer because it takes up to 8 weeks. On XXXX, I called again because both my husband and I have the card, so I want to cancel mine to avoid paying annual fee twice.The representative said I need to wait another week or two if I want to get the airline fee credit and she also promised that they would refund me the annual fee. On XXXX, I contacted them again and was told that the charges from XXXX XXXX did not qualify for the airline fee credit and I can not get refund on annual fee because it passed certain period. Apparently they can not deliver what they have promised.
I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVY FEDERAL CR UNION with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I recieved a call on XX/XX/XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XX/XX/XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.
This complaint arose because I was denied PSLF credit for my XXXX XXXX military service. 
I applied for PSLF on my federal student loans, which were incurred in XX/XX/XXXX. The PSLF program took effect in XX/XX/XXXX. I served on XXXX XXXX in the military from XXXX XXXX to XXXX XXXX and received no PSLF credit for the time service. I provided my XXXX, am a XXXX veteran. I want my military service, which included XXXX, to be credited for purposes of PSLF. Instead it appears the federal student loan company is relying on technicalities to deny me PSLF credit for my military service. This is unconscionable. Please make it right. PSLF exists to encourage and give credit for public service. The program should not rely on nonsensical technicalities to deny earned benefits to those who have sacrificed themselves in service to the public and the nation. 

Thank you, XXXX XXXX
I recently looked at my credit report ( TransUnion, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XX/XX/XXXX / XX/XX/2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.
My son, XXXX, is applying for a student loan at Discover to attend Univ XXXX XXXX - XXXX and I am his father and cosigning the loan. Discover advertises a 2.99 % rate as their lowest rate. 

In XXXX, my son and I applied for and received a loan at the lowest rate from Discover. 

In XXXX, another son of mine, XXXX, and I applied to Discover for a student loan for him to attend XXXX XXXX - XXXX XXXX. We received this loan at the lowest rate. 

My credit is excellent. I checked with XXXX XXXX and it is XXXX and XXXX. It is as good as it has ever been. I also recently paid down my home mortgage considerably, which seemed to have a positive impact on my credit score. 

Last week XXXX and I applied for his fall semester and we were give a secondary rate of 4.6 % ( over 50 % higher than the lowest rate ). I called and they said my credit score in XXXX was XXXX and my credit now was XXXX, but still both outstanding scores. 

I have worked hard to get my credit score in an excellent range. Paying down the mortgage was a big part of that and took considerable resources. 

Discover offered no explanation other than the decision is based on their algorithm. 

I do n't believe them and I believe I am unfairly being treated and discriminated against.
This company named ATG Credit has been calling me, they also put some information on my credit report. The person i spoke to yesterday was very rude, and she asked me why was i calling this company. She said the company had been calling me since XXXX. so i knew the reason. I asked her why did the company put some information my credit report before they knew if they had the right person. I asked her to send me some information on this bill, because i have no information, and i do not know anything about this company. She said she was going to put down that i refused to make any payment, and hung up. I called back and spoke to some else to complain, asked them to send me a copy of the bill.
I cancelled service with XXXX till I returned from a trip and requested it to be reinstated. XXXX was sold to XXXX within in the next few months and filed a claim to enhance their financial books. 
This happened several years ago and XXXX has sent XXXX different collection agencies after me aiming to harm my credit. XXXX is apparently as corrupt and lacks business morals as XXXX.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.
I began disputing these items with Trans Union, XXXX and XXXX beginning on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
This is about Equifax in regards to the data breach. They sold stocks before letting the public know about the data breach. They wanted to line their pockets before their stock took the plunge. 

And I checked with their website, and according to them my information might be at risk.
The Company Listed below has kept an alleged debt they say I owe on my credit report well over the Florida Statute of Limitations. Mortgage Foreclosure debts remain on ones credit for 5 years F.S 95.11 All other debts ( rent, utilities, health clubs, etc ) fall under the catch-all limitations period of 4 years F.S 95.11 ( 3 ) ( p ) Both of these Statutes have been violated by Hunter Warfield a Revenue Recovery Service located in XXXX Florida. I have filed a dispute through XXXX. This debt continues to remain on my credit which is causing damage to my credit report, for which I file this claim. According to the Fair Credit Reporting Act, they are willfully including inaccurate information on my credit report. 

This company is in direct violation. For which I file this claim to remedy this matter promptly. The information is listed below. 


HUNTER WARFIELD XXXX XXXX XXXX XX/XX/2012 {$2200.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Paid XXXX monthy bill. But XXXX said it wasnt paid, even after i repeatedly gave them proof of credit card statement and an XXXX payment confirmation code. Being called anywhere from 5-10 times a day from dept collection that refuses to tell me who they are until i give personal info. Name, address, birthday. Being harassed daily. No matter how many times I call XXXX to give proof i do not owe them money or same info to collection, the collection calls will not stop.
There was a computer glitch that was TransUnion 's problem -not mine, and it caused inquires to be deleted off of my Transunion report. Transunion later added added them all back onto my report without giving me the legally written notice 5 days prior to them re -adding them. I contacted Transunion in good faith to ask them to delete the inquires that they had illegally re-added. Not only were the representatives rude but they also refused to listen and then hung up on me. These inquires add hardship and my rights were violated by Transunion. I am asking you to please help me make Transunion stop making a victim out of me.
This company keeps calling my employment after i had told them they are causing distress they have spoken to various people in my company asking to speak to my manager about a debt i owe. Once they said they were serving me papers and i told them ok she said to meet her at my house i called her because she never showed up she said she was n't going to then XXXX said he would serve me papers in front of everyone at work instead so i better make a payment arrangement otherwise they will serve i said please serve me to stop the harassing phone calls and everyone in my place of employment being harassed by their phone calls.
I currently owe money to XXXX from private student loans. This debt has been disputed and I have filed a Defense to Repayment and the collector is not only calling me repeatedly but also calling my mother in law and my husbands grandmother ( whom neither of them signed anything for me, and one of them does not even speak English ). They have no right to constantly call my family looking for me when they have no ties to me financially. This is unacceptable and harassment.
I leased a car through XXXX XXXX and terminated the lease early when I leased a new car. I received an invoice from XXXX XXXX on XX/XX/2018 that had numerous errors and omissions. I detailed these in a letter of XX/XX/18. 
Among these errors is an " excess wear and use '' charge of {$1000.00}. Since I purchased an " Excess Wear and Tear Protection '' policy through the dealership and with XXXX XXXX I requested a claim form from the rep ( XXXX ) on XX/XX/18. The promised claim form never was received. Instead a copy of the AIM Inspection Report was sent. I faxed this report along with a claim to XXXX XXXX. 
I received a call from XXXX XXXX on XX/XX/18 demanding payment in full by XX/XX/18 or they will send the bill to collection and threatened my credit score. I told them that I filed a claim as directed with XXXX XXXX and it's up to them to work out the details. I was informed that XXXX XXXX " ... does not deal with third parties '' and it is my responsibility to settle the bill even though I still consider it to have numerous errors. 
I do not intend to satisfy this bill until it is correct.
My funds at my Bank account was taken out without my permission. 
A signature was forged. It was not my own. I never got a letter or a email. I never agreed on that withdrawal at th time. 
This was on XX/XX/2015. For the sums of {$4300.00}. Dlb the amount that is owed. 

I called the dept collection agency, I had to agree to pay {$2100.00}. So that they can release the rest of my money back to my bank account. Seem to be the only way. This was yesterday Now my conditional money that was to be released, has not been obseved. The bank or the dept agency does not know where its at. 

Yesterday i was told that by the dept agency that they needed a signature fax over in order to release the rest of my money. Today the money isnt there. The bank dont have it nor the dept collector.
I have previously attempted to dispute several inquiries that are a result of true name identity theft. I have called and attempted to dispute the inquiries in question and was transferred several times.     The inquires I am disputing as fraud are :   XXXX   XXXX   XXXX   -  XXXX / XXXX / 2017   XXXX   XXXX   XXXX  -  XXXX / XXXX / 17    XXXX   XXXX   XXXX   -  XXXX / XXXX / 17    XXXX   XXXX   XXXX   XXXX   -  XXXX / XXXX /   2017   XXXX   XXXX   XXXX  -  XXXX / XXXX / 17   XXXX  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX / XXXX / 2017
Someone tried to obtain a Capital One Credit Card in my name on XXXX XXXX, 2016. A hard inquiry was made with XXXX Credit Reporting Company. I have contacted XXXX, Capital One/Sacs Fifth Avenue, and Capital One and was told the information, when compared to my personal information was fraudulent. I was also told, the hard copy inquiry would be removed from my personal XXXX credit report but has not been removed as of today, XXXX XXXX, 2016. I want it removed as indicated and promised by credit company.