WillisBack/dataset-financial-user-claim huggingface dataset:
My XXXX XXXX XXXX son received a NetSpend prepaid debit card. I 'm not certain how this ended up being mailed to him. He is not able to enter into a contract and should not have been issued a card. 

I contacted Netspend on X/XX/2017. The automated voice system does not give the consumer an option to speak with a live representative. If you select cancel the card as your phone option, you are placed on what seems to be an unending hold. 

I want this card removed from their system. I do not want my XXXX XXXX XXXX son 's information sold to other companies any purpose. The company should not be contacting minors in an effort to solicit their business and get them hooked on prepaid cards. This never should have happened without my direct authorization. 

Sending a card to a minor is egregious behavior. 

Netspend. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXXX This should not be permitted to happen to my child nor anyone else 's child. 

Netspend should stop marketing to and soliciting of minors.
To whom it may concern, I reveiced a copy of my XXXX and XXXX  report and notice that XXXX Is still associated on my credit report, Attached is proof that this account has been deleted from my XXXX  and XXXX. And no longer reports as valid. I've sent several letter to Equifax and ftc report To have this account removed, because it don't belong to me. I've also sent follow suit letter to Equifax. The account still still shows inaccurate. With this account on my profile its not showing my true credit history. I contacted Equifax countless of times. To have this account removed. I've attached my credit report to show where XXXX and XXXX removed the account from my credit profile.
Well I 've been a victim of robbery I tried reporting it to chase bank and the said that I need it to be sure and they keeps charging from my account and know I dnt have money and chase does t want to help all they say was well your account is close and yourve no longer making business with us
In XX/XX/XXXX we changed homeowners insurance from XXXX to XXXX XXXX. We sent all documentation for the change to the mortgage company and were told that when they got the refund from the insurance company for the payment that they had just made the change would be made. We contacted XXXX and they told us they would send the refund to American Financial Resources. We heard nothing else on the matter and were under the impression that everything was handled until we went to file a claim for storm damage to our home in XXXX, and found out that our mortgage company did not pay our insurance and then they proceeded to apply their own insurance company from our escrow. So we found another insurance company to take our business and American Financial still wanted us to pay for their insurance. We do not feel that we should because we did what we needed to inform them that we changed insurances. 
Then the end of XX/XX/XXXXwe sent our monthly payment to American Financial and were notified that they did not receive our payment .So we contacted XXXX XXXX about whether the money order was cashed or not and when. We were informed that it was cashed on the XX/XX/XXXX. We then sent for a copy of the money order with XXXX XXXX and found out that our payment had been stolen from the united states postal box and altered with another name in the pay to line. XXXX XXXX told us it could take up to 90 days to deal with the bank that cashed it to get a refund. We have caught up on all of the payments that were missing and we are receiving notices stating that we are in default of our mortgage payment after they have received the payments, and it very frustrating. We do not want to move we have been here for 12 years and just want to make our normal payments and continue on. But we are also feeling like we are being harassed when we know we made our payments and we get all of this mail stating that we are in default. Plus they keep giving us the run-a-round.
In XX/XX/XXXX, I received a notice from one of my credit monitoring companies, stating that a bankruptcy that I had disputed with the credit bureaus, had been removed from my credit report. On XX/XX/XXXX, I printed out a copy of that report. On XX/XX/XXXX, the credit bureaus added the bankruptcy back my credit report, as a new bankruptcy, without notifying me within 5 days. Violating the Fair Reporting Credit Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). You will see from the  documents I submitted.
There were two major errors in servicing my loan. First error occured when my loan was modified about three years ago. I was left behind when the loan was not properly reconciled after the modification became complete. Then my loan was transferred to Bayview. They billed me incorrectly and then admitted they made a mistake. I have been fighting them now for a full three years trying to get them to correct their errors. They several times sent me back letters claiming they did not make an error. I hired an attorney to help me audit my loan and they found errors. After paying an attorney for over a year now, Bayview admits they made an error and they have now corrected their errors. They however, have not corrected the bad credit rating they gave me over the past 3 years. They stopped accepting payments from me many times due to these errors. They also took monies from Keep Your Home California in XX/XX/2001 and did not apply those funds until about two years later. Now my attorney has asked them for assistance in bringing my loan current and they will not call my attorney back. This game they play is not only unfair and is forcing me into foreclosure, but according to my attorney is illegal. RESPA Regulation X requires my servicer NOT to evade my requests for assistance. Bayview has evaded now for almost three years.
I have credit card with Bank Of America. They closed my account because of late payments. I was responible customer, but acter my car accident I didn't was able to work almost one year. In that period of time I miss those late payments.
Debt collector verbally abused me, called me XXXX and used inappropriate abusive language to myself, my husband and left threatening abusive messages on my neighbors and family members answering machines. Threatened to sue me and threatened legal action if debt not immediately paid. Made unauthorized debits to my account
In XX/XX/XXXX my husband and I filed for Chapter XXXX Bankruptcy. In regards to this particular account, XXXX XXXX XXXX XXXX, we filed a Chapter XXXX Individual Debtor 's Statement of Intention on XX/XX/XXXX. We stated that the property would be retained in the bankruptcy and the debt was to be reaffirmed. We claimed the property as exempt. We had never been late or delinquent on this account. Neither us nor our lawyer received any documents from XXXX XXXX   after this submission. In XX/XX/XXXX we visited out mortgage broker to start the process of qualifying for another home loan, as we are ready to purchase another home and sell this current home we are in. It was discovered on our credit reports that XXXX XXXX reported to the major credit bureaus that our mortgage account had been " Included in or Discharged through bankruptcy ''. XXXX XXXX quit reporting on this account in XX/XX/XXXX. In each phone call to XXXX XXXX we have been told different information. In one call the customer service representative told us that they do not send out reaffirmation letters. In another one told us they sent us one, that the letter would have gone to our attorney 's office. When I asked for proof that this had been sent they told me they only send them regular mail via the US Post Office and could not provide that information. Which I found odd since any letter that they ever sent us was also available online to view. I then contacted my attorney 's office who filed bankruptcy for us. Their office told me that EVERY reaffirmation letter they receive from ANY creditor is sent either XXXX  or XXXX or USPS with delivery confirmation/signature required so proof of delivery is available. I have filed multiple disputes with Experian and XXXX with no changes made. I have sent them all the supporting documents including proof of all payments made, Statement of Intent, a letter from our attorney 's office, and proof that we are current on our payment to XXXX XXXX. How can this account be being reported as closed when we are clearly making payments to them? Today,XX/XX/XXXX, I was told by Experian that the documentation I provided was not enough for them to make any changes. When I asked what was needed the agent told me they don't have a specific list of what documentation would change the status because XXXX XXXX is their client and they have to go off of what they are reporting. I feel the last 2 months of trying to dispute this have been a waste. What good are these credit reporting bureaus if they work for the companies that are reporting to them? Where is the consumer protection in this when there are disputes. This error on XXXX XXXX part is severely impacting our ability to get another mortgage. On XX/XX/XXXX I submitted all the same documentation to XXXX XXXX and was suppose to have an answer from them by now about how to resolve this incorrect reporting/not reporting to the credit bureaus. I am including all documentation sent to XXXX XXXX and the credit bureaus as well as documentation of all payments made to XXXX XXXX
A satisfied judgment was filed XXXX and placed on my credit report. I would like this item removed from my credit report as the 7 year waiting period has expired. XXXX have dropped the item from my report. I would like Transunion to do the same.
nationwide west LLC ( Illinois based loan company ) has been calling my business phone up to XXXX times per day from various listed and unlisted phone numbers from every state regarding a less than 30day late missed payment. ridiculous and harassing! they even call people I know asking them to forward me a message to call them back! talk about crossing boundaries!
This company has continued to call me after I informed them I would not speak with them unless they sent me something in writing. I have not received anything in the mail from them. 
They continue to call my mobile phone, office phone and phone numbers belonging to my family members from two different outgoing numbers. 
Today, XX/XX/XXXX, I received a call at XXXX on my mobile from XXXX, again at XXXX from XXXX and then again at XXXX on my office line from XXXX. When I picked up the office line it was dead air and then a hangup. I answered the phone with my company name. 
The company has provided no information as to the status of the debt, they have just informed me that they will take legal action within a week if I fail to respond. They told them same thing to the other person they called in my family looking for me. Additionally, they informed me that they already placed derogatory information on my credit report. 
The callers refused to provide me with any information about who they were or what they were calling about unless I provided my full social security number. I did not and will not do that over the telephone.
On XX/XX/XXXX at XXXX XXXX  I contacted Navient by phone in regards to my Income Driven Repayment Plan since I had received notification my payment would increase from {$0.00} to {$110.00}. I worked with XXXX who advised me to submit a Change Plan Request at Navient.com then to select the fifth option stating " income-driven repayment with the lowest monthly payment '' and that it would lower my payment to approximately {$75.00}. XXXX advised me that he would send me an email and that I would select : email -- > return applicant -- > change plan request -- > lowest monthly payment ; however once I reviewed the email I found it was not in this format. 

I then emailed Navient on their website and they emailed back on XX/XX/XXXX that I would submit the request on studentloans.gov and it was the " easiest and quickest way '' ; however again it was not explained how to submit for the lowest monthly IDR repayment plan. 

On XX/XX/XXXX at XXXX XXXX  I contacted Navient by phone again and spoke to XXXX. XXXX walked me through and advised me to go to : studentloans.gov -- > " Repayment & Consolidation '' -- > " Apply/Re-Certify/Change an Income-Driven Repayment Plan '' -- > " Switch my current plan to a new plan '' -- > " I am submitting documentation early to have my income-driven payment recalculated immediately ''. XXXX also advised me to go to Navient.com and select : " Inbox/Upload '' -- > " Repayment Plan '' -- > " The Income-drive repayment plan with the lowest monthly payment '' ; in regards to submit proof of income. XXXX emphasized just as XXXX had on XX/XX/XXXX that my payment would be approximately {$75.00}. However, on XX/XX/XXXX I received an email from Navient stating " we've approved your request for an Income-Driven Repayment plan '' with the unaltered monthly payment of {$110.00}.
My day began here at work on Tuesday XXXX XXXX, 2015. I got a call where I work not sure at what time exactly but it was an early part of my day. The receptionist contacted me and said it was an emergency call with urgency, making me think XXXX of my family members were in trouble or something. I get to a phone to take the call and it was a solicitor debt collection agency contacting me about my matter. I went over details with them to acknowledge my debt and all. After I concluded with them all while I 'm still at work. They follow up with me next day the XXXX and I 'm at work busy but they just expect me to go out of my way and drop everything to go over my debt again. Persistent as it seems I walk by the receptionist desk and they mention they keep calling where I work not exaggerating but XXXX times. As pursuant as possible those calls continue on.
I have called Navient numerous times to see if they could help lower my monthly pavements and the say they ca n't even though my family has grown and has medical bills making it hard to pay my full monthly payment.
I get repeat calls and voice mails from credit acceptance, I defaulted on a loan and they have had two repossession companies call about the vehicle and were told by me to come and get the vehicle on both occasions, no one ever showed up, now credit acceptance will not stop calling me very several different 8 different phone numbers, I know its them because most of the time they leave a recorded message stating who they are, I get 10- 15 calls and voicemails a day 7 days a week from them, Its a little rediculous, especially after not picking up the vehicle on two different occasions
This is in reference to complaint # XXXX. I do not know how to add additional information to the existing complaint. Attached is additional info received from the company and a copy of a letter that I sent to them. 
Thanks
The 3 major credit agencies seem to go against the laws of the FCRA and the FTC, I have disputed these unauthorized inquiries for months and the 3 credit agencies all seem to report them back as verified. Verified by whom, until these 3 major agencies send me some type of physical documentation of these unauthorized inquiries then the inquires shall be removed/ blocked immediately. And these unauthorized inquires are 1 ) XXXX XXXX XXXX  ( XXXX ) 2 XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX XXXX XXXX ( XXXX ) 5 ) XXXX ( XXXX )
There were  XXXX  fraudulent charges made to my  Barclay  credit card ( through  XXXX   XXXX   ).   XXXX  were for  XXXX   XXXX  for  XXXX  on  XXXX / XXXX / 2017 . The next day  XXXX  there were  XXXX   XXXX  charg es (  for  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   for  XXXX . I called to tell them I did not make these charges, they were removed and marked as fraud and I had to get a new credit card. Received the new card the next aday and thought problem was fixed but when I went to check my account on  XXXX  the charges that they had removed earlier had been put back to my card. I need these charges totalling {$530.00} taken off my card.
The reason for my complaint is because I have had an issue with Identity theft. I have filed a police report and sent it to chex-systems and they have corrected the fraudulent information. But I have had a more recent situation in which I have faxed Chex-systems the amended police report and they have not responded to my request. There is a charged off amount reported for account abuse for {$37.00} that is a result of identity theft and there are several inquires showing on my report that are fraudulent as well. The only inquiries that should be showing on my report are with XXXX XXXX and and XXXX XXXX XXXX. I sent chex systems this information in XXXX and they have not responded to my dispute.
I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX  since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You
Select Portfolios Servicing and XXXX Bank as trustee for the holders of the XXXX Mortgage Trust XX/XX/XXXX are attempting to foreclose on my property located at XXXX.The assignment that is being used was created and robo signed after the cut off date of the trust ; according to the pooling and servicing agreement filed with the S.E.C all mortgages were to be conveyed by XX/XX/XXXX. The assignment was also created, and notarized in Florida when the property is located in XXXX. I submitted two Qualified Written Request to select portfolios and neither of these documents have been addressed. 
SELECT PORTFOLIO SERVICING XXXX
I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from XXXX XXXX XXXX. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out todayXX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.
XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX  Are just a few of the dates I 've sent Letters of Dispute to Ocwen/ XXXX   XXXX  re : Disputes on several Descriptions on Payoff Quotes. I 've provide d Proof of Payments from my Online ban king with  XXXX  and still had to pay the disputed amounts on  XXXX / XXXX / XXXX  to clear title and close home without going into  Breach of Contract for  not closing on time.     The amounts disputed are on the  XXXX   XXXX   XXXX   XXXX   Seller 's Statement : {$3900.00} owed for interest, which, again, I provided Proof of Payments, Escrow advance of {$340.00}, {$600.00} Projected Property Inspection fee, {$270.00} Proof of Claim and adjust double charge on Ocwen paying Property Taxes thru  XXXX / XXXX / XXXX  and closing occurred on  XXXX / XXXX / XXXX  and title company collected for  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX .
I am seeking to file a complaint and to hopefully get some sort of resolution to a problem that I have been dealing with  for 7 seven ye ars. Back during the height of the financial crisis I ended up short selling my primary residence and  XXXX  investment properties. At that time the loan on my home was held by  XXXX   XXXX   XXXX  . When we closed, I was under the impression that the loan was to be cancelled since it was my primary residence, but this was not the case. Since that time, I had been making payments continually on this loan which was then transferred to  Greentree Servicing w hich took over when  XXXX  went out of business. I continually requested some type of settlement with  Greentree but the y were requesting a large amount of money to settle this debt that I did not have. Now  Greentree  has gone out of business and I am being garnished for the balance with  25  % of my paychec k ( {$1600.00} )  per month going towards the balance of loan for a home that I have not owned  in 7 years. T his outstanding balance on this loan has also prevented me from purchasing another property. I am just looking to find some assistance so that I can begin to move forward as well as rebuild. Everyone understands the climate and the devastating effects that the financial crisis had on our economy and everyday individuals, and while many people have been able to move on. Yet, somehow I am still here dealing with the same issues and have found the lender to be very uncooperative in helping to find a resolution. I would try appreciate any assistance that you could provide in helping me to bring this issue to some sort of resolution.
On XXXX XXXX, 2016 at XXXX. XXXX I received a voicemail from Dynamic Recovery Solutions from XXXX. 

I called them back at XXXX. XXXX. I requested the name, address, and phone number of who they were calling. He kept asking if I was XXXX XXXX. I finally confirmed I was XXXX XXXX and he took a very long time to finally give me the contact information that follows : Dynamic Recovery Solutions XXXX, SC XXXX XXXX At this point, I requested to know the name and address they had on file for me. He provided an address that was added to my credit report during an incident of identity theft. 

I asked who they were collecting on behalf of and he asked if I would validate the last XXXX digits of my social security number and then read them too me. I refused to verify this information and he refused to tell me who the collection was for. 

My understanding is they should not be handing out even the last XXXX digits of my SSN to anyone, ever. I suspect they are n't a valid debt collector.
On XX/XX/XXXX, I contacted XXXX about an unauthorized inquiry that was pulled on my account on XX/XX/XXXX, I received a response back stating that they will contact all the credit bureaus and have the unauthorized inquire removed, to this date it has not been removed from my credit file.
Bloomingdales needs to delete and remove this fraudulent account immediately from my XXXX credit report. I did not authorize this account.