WillisBack/dataset-financial-user-claim huggingface dataset:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX
XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX
I received several call and letters from Conserve collection agency claiming that I owed {$1700.00} to the US Department of Education. 
I then wrote to Conserve collections, stating that I do not have knowledge of that debt, since I never applied for a student loan, and I requested validation and/or documents proving that I applied for a student loan. 
Conserve sent a copy of an application for a student loan, the information in the form does not match my social security number, previous addresses, etc. 
Apparently Conserve has me confused with another individual, as I never applied for a student loan. 
Conserve continue with their illegal collection activities and demand payment. On XX/XX/2017 Conserve contacted my employer ( violating my privacy ) request personal information and started activity garnishing my salary. 
I wish to file a complaint against Conserve for violating all Credit Billing Acts and the Fair Debt Collection Practices Act.
I deposited our state tax refund check. Which was made out to ( my wifeand I ) XXXX and XXXX XXXX. I deposited it at the merchant square PNC branch atm. That was at XXXX on tuesday XXXX/XXXX/16. Then I recieved an email at XXXX hrs on XXXX/XXXX/16 that the check was not able to be deposited. I had to call pnc and was very Irate and had to get transferred to the escalation team lead who could n't do anything for me. I was told it was pnc 's policy " not to allow checks to be deposited when they 're made out to people not on the account. '' I responded my wife signed the back of it and I signed the back of it. I then asked for the specific policy ; which they could not find. They responded you signed the " checking account agreement. I asked them to read where it specifically says that. Again there was nothing stating that. They said I would recieve the return check within 10 days. I asked why ca n't I go get my check from the branch where I deposited it. They explained I would be getting a copy of that check and not the original. Then I would have to bring it to the branch along with my wife and her ID. I said I want the original check if not and it was a copy then Pnc should have it on file or in the computer and I should just bring my wife and her id to the bank and they just check it. They said that could n't be done. I demanded the original check then. They then were trying to get off the phone and telling us they would cotact us tomorrow XXXX/XXXX/16 at noon I told them I will already be at the branch way before then and that this situation should be taken up soon as they open. This is not the first time these mf'rs have had my money and told me what there going to do with it. I want something done. People 's money and bank accounts should be handled with respect and urgency! This is unethical business practice.
I sent in documents to chase mortgage for a loan modification to get approval when i go approve XX/XX/18 i sent in a payment before XX/XX/18 of XXXX 3 month trail period then i receive aletter 3 weeks state that my loan modification was cancelled so my home is active for foreclosure and chase refuse to help me. please help me resolve this matter where i want lose my home because i am harding a hardship
We have been requesting to remove the Mortgage Insurance Premium on this account which was sold by Bank XXXX XXXX XXXX XXXX Mortgage in XXXX. 
On XXXX XXXX, XXXX, we were denied this request, as XXXX Mortgage said our mortgage balance needed to be {$330000.00}. 
On XXXX XXXX, XXXX, we made a {$9500.00} payment to the principle amount to meet this requirement and XXXX erroneously applied the amount to monthly payments and escrow accounts. 
On XXXX XXXX, we requested this to be corrected. Called again on XXXX XXXX, they said it would be corrected by XXXX XXXX. 
Called on XXXX XXXX, they said our request for correction applying {$9500.00} to principle was denied and they would send it again for it to be corrected in XXXX - XXXX hours. It was finally corrected XXXX month after they mis-applied the funds. 
We requested once again for the mortgage insurance premium to be removed ... .and on XXXX XXXX, XXXX, we got a letter saying that the MIP was cancelled on XXXX. The final premium was disbursed on XXXX XXXX, XXXX. The monthly mortgage payment will be adjusted. A revised billing statement will be sent. 
XXXX XXXX - I called XXXX to get the revised payment amount and they did not show any change. They said I had to fill out a request to get this updated with the escrow analysis. It would take 14 days to hear back from them. 
XXXX XXXX - I called carrington again, and they have no record of my request last week to perform the escrow analysis. Now I am being told that it takes 60 days to perform an escrow analysis. I am required to keep paying the MIP until then. They claim anything being overpaid will be refunded, but I am not confident in their integrity as they have changed their story on me every single time I 've called and interacted with them. 
This company feels fraudulent and I feel like I have no recourse. Please help! thank you
I XXXX XXXX  had an account with chase when i was XXXX XXXX  years old in around XX/XX/XXXX-XX/XX/XXXX. I wasn't be the best with money management or how to functionally use a bank account, of course I was a teenager. That account closed due to a charge off with a negative balance of {$120.00} and i tried to reopen it later that year or the year after while getting my direct deposit from my tax returns, and thats when we tried to reopen it and it closed within a week.That is when i found out they said because the account was closed i would have to wait 5 years to reopen one, I asked if i can just pay it off, they said that was not a option. So as naive as i was i thought that was normal and i attempted again 5 years later and it still has not able to open one this time the bankers said chase has decided not to have a " business relationship with me at all ''. Now its getting to a point where i don't understand why i haven't gotten a statement on my last month of my account or a chance to know why they will not reopen an account, I'm not a criminal, i didn't abuse my account, and they never even gave me a chance to dispute any wrong doing on my account or to see if anything on that account was mine, or accurate. I am now turning XXXX  years old starting a XXXX XXXX XXXX XXXX  and full time employer and I've always wanted to bank with chase especially for their business accounts and i have been robbed of that opportunity and have not been given a reason i feel like this is not right nor is this constitutional.
Business took payments early creating an overdraft on bank account that until today still trying to make my bank account positive.I know I owe them around {$500.00} which will get paid off as soon as I can..and Please They need to stop harrasing me with 5 phone calls per day and calling my employer Whenever I don't answer my cell phone is because I Can't.. I can not attend collector phone calls while on duty hours which is from XXXX  to XXXX  then go to my second job XXXX  to XXXX .Thank you for you understanding.!
I have a loan with CAPITAL ONE. 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 and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
I have called early XXXX to pay off this loan, however I needed to first find out why the balance I have in my records are my records show roughly 1800 dollar balance while prosper has a XXXX dollar balance. I need to know why and I've called several times trying to get this info and due to poor customer service I have not been able to get them to run an audit and make sure the balance is correct. This last call today the supervisor hung up on me and never called back ...
I had XXXX service bundled with XXXX phone service. When I canceled my account with XXXX they said I owed {$38.00} still for XXXX portion. I initially disputed this as I had paid my XXXX bill separately. XXXX said matter was resolved. 

Many months later, I received harassing phone calls and letters from XXXX XXXX XXXX regarding this supposed debt. In order to get rid of them, I paid {$38.00} to XXXX XXXX XXXX again, and was told that matter was finally resolved. 

Recently, I have been receiving harassing phone calls from ERC regarding this same 'debt ' that I have already paid twice. 

XXXX is harassing me and trying to extort money from me for a debt that has been paid twice. XXXX and ERC are threatening my credit unless I pay them this {$38.00} again. This is harassment and extortion and I want XXXX and their practices investigated. Even after I pay the collection agency of the month, XXXX finds another willing partner to attempt to extort money already paid. Please help.
I was a customer of XXXX since XXXX and my account became linked to Paypal credit in XXXX. I called a few time to have my APR lowered and was denied. During this time, my account was in good standing. Recently, I have been undergoing a financial hardship and reached out to all my credit card accounts and was immediately enrolled in hardship programs. Except Paypal credit, they have refused to work with me and only offered me assistance once I am 90 days past due in the meantime my account has incurred late fees and interests and they negatively reported me to the credit bureaus affecting my credit score and adversely affecting my home and auto insurance rates.
I received a chilly of my credit report because of some issues I disputed and today I got an alert showing that old addressees were out back on my report.
On XX/XX/ I bought a car from car hop in XXXX, Colorado. I owned the car for 4 months. 3 of which it was in the shop for major repairs. One of which was " fixed '' before I bought the car. I was told by service company it was never touched. In which case it was a timing chain. The car had car hop warranty on it. I wasn't even close on running out of warranty. After taking my car to the shop several times I became very frustrated. I was paid ahead on payments by a month. The company told me they'd stop my auto payments for a month. As if they were helping me out. But beings I was paid ahead it wasn't a help. They car wouldn't start. They gave me an offer to take a portion of my money back or choose a different car. I had already bought a different car two weeks before this. I had to as I could risk losing my job. XX/XX/. I missed work over this car as I had no way to get there and is a 60 mile round trip. I decided to take my money back. I had XXXX late payments. Now it's reported as a closed/charged off account. Dropping my credit score over 100 points. I called car hop and they said they had to report it that way to get it off their books. But the next month it would reflect as a non derogatory mark. That was at end of XXXX. It is still being reported as a bad mark. Besides being lied to on how they have to report it. You have to report it bad before you can report it Good? This company is fraudulent. This is not a chargeoff because I didn't pay them. They settled with me knowing I had a warranty claim on them. Then they knowingly reported wrong information and damaged my credit over it. 

Thank you, XXXX XXXX XXXX
There is are  XXXX  items on my   XXXX   report from  Overton, Russell, Doerr and Donovan, LLC in the amounts of {$180.0 0}, {$180.00}, {$150.00}. This company is not bonded to collect debt in the state of TX
Last year I made an agreement with XXXX University and their debt collector to rehabilitate a student loan. I have adhered to all parts of the agreement. Yet this is still showing up on my credit report negatively and in collections. This is unfair and is affecting my life adversely
XXXX POSTED AN ACCOUNT ON MY CREDIT REPORT AND I NEVER RECIEVED A LETTER OR A CALL REGARDING THE ISSUE. I HAD NO IDEA ABOUT THE ACCOUNT UNTIL AFTER THEY POSTED THE ACCOUNT ON MY CREDIT REPORT. I WAS NEVER LATE WITH THIS ACCOUNT AND I SUBMITTED A 45 DAY NOTICE OF MOVING OUT TO THE APARTMENT COMPLEX. NOW THAT I FILED THE DISPUTE ON MY CREDIT REPORT, XXXX RECIEVED MY PHONE NUMBER FROM THEM AND LEFT A VOICEMAIL STATING PERSONAL AND PRIVATE INFORMATION. THEY STATED IN THE VOICEMIAL REGARDING A DEBT WHICH VIOLATES MY PRIVACY. THE PHONE NUMBER THAT XXXX CALLED ME FROM IS XXXX. MY ISSUE IS WITH PRO COLLECT VIOLATING MY PRIVACY AND NOT PROVIDING DOCUMENTATION OF A DEBT WITHIN A TIMELY/ LEGAL MANNER.
My ex-wife made deals with originator and real estate agent to obtain money or credit from my home I purchased XX/XX/XXXX. It appears she received XXXX written approvals XX/XX/XXXX and XX/XX/XXXX via XXXX XXXX. I bought house thru XXXX in XXXX, WA. Apparently my wife tricked me and filed false information to obtain Gov program loan in XX/XX/XXXX. I apparently was tricked some time in XX/XX/XXXX or about year prior as I was told my signature is on page. Then records show anther XXXX loans with XXXX then sold to Setaris. Not one time have they acted in good faith or give me any records. County records show dates different than originals discovered. I also discovered this group involved in many more and I paid all of them as well as massive closing costs, lost escrow money and apparently this multi state group also sold home to themselves as it looks like forgery on older home I sold. I am forced out of home after wife put squatters in and then moved back in getting embellished restraining order that also keeps me from offices at home to run businesses. Everyone is playing games and last contact Setaris lied and said new address had forclosure sent. This has been told to me sense XXXX XX/XX/XXXX yet never any official document sent to my PO Box . I have been discriminated against in every way and lied to repeated times and now threatened to drop issue and lose XXXX home when I was trying to sell it. This is strong arm that has other issues as well. The big thing is real estate lady is family who now has XXXX homes and my ex wife who did n't work juggles more and transferred titles yet legally was XXXX for 17 yrs. I wrongly lost hundreds of thousands over the years starting in XX/XX/XXXX with XXXX XXXX loan, XXXX with XXXX XXXX Bank, XXXX with XXXX, XXXX with XXXX, XXXX, XXXX XXXX loans and XXXX XX/XX/XXXX. Its crazy as I also had all profits, down payments and more stolen in between. How can they break consumer laws and just lie?
I have a home equity loan with Wells Fargo and they require that I send them proof of flood insurance since I 'm in a flood zone. I have faxed, mailed and tried to upload a copy of the policy onto their web site ( which does n't work ) and they continually tell me they did n't receive it and are charging me for flood insurance. I 've called repeatedly and other than tell me that they will " research '' the matter nothing gets done. In addition, when I asked them to tell me the name of the regulatory agencies that I can file a complaint with they refuse to provide me with this information. This is predatory behavior and should be illegal and punished!
I purchased a Condo in XX/XX/XXXX for {$380000.00}. I received a {$360000.00} mortgage through Wells Fargo Home Mortgage and have been paying {$170.00} per month in private mortgage insurance, XXXX XXXX XXXX XXXX. In XXXX, I requested Wells Fargo provide me information on how I can get rid of the monthly PMI charges. I received the attached letter dated XX/XX/XXXX from Wells Fargo Home Mortgage, Subject : Private mortgage insurance ( PMI ) cancellation requirements. The letter indicated that " To cancel PMI based on the original value, you must reach the required loan-to-value ( LTV ) ratio using XXXX of the options listed below. '' Under Option XXXX, Wells Fargo indicated that I must prove that the original LTV ratio has reached 80 % by having an appraisal done, at my expense, through their vendor, XXXX. In XX/XX/XXXX, XXXX appraised the value of the condo to be {$450000.00} and calculated the new LTV ( {$350000.00} loan principle divided by {$450000.00} current appraised value ) ratio to be 78 %, but Wells Fargo refuses to remove PMI. After following Wells Fargo 's instructions on canceling PMI based on an appraisal showing an increase in the original value of my property, they insist that they will ONLY remove PMI AFTER I provide RECEIPTS showing that I made {$63000.00} in STRUCTURAL improvements, specifically " adding a deck, garage, in-ground pool, fence, in-ground sprinklers, finishing a basement, or remodeling living space '' to the CONDO. Even though Wells Fargo employees agree that owners of Condos can not make these types of structural improvements, they continue to insist that I must show paid {$63000.00} for structural improvements before they will remove PMI. 
They have been dragging their feet on resolving this matter since XXXX XXXX, even after I followed their instructions and proved that the ORIGINAL LTV of the condo has reached 80 % or better, in my case 78 %. They continue to twist and ignore the fact that that I am canceling PMI based on an increase in the " ORIGINAL '' value of the property as they described in their XX/XX/XXXX and NOT based on the " current value and investor requirements. '' I 've learned that XXXX XXXX XXXX XXXX which is listed as the company receiving the additional, unnecessary {$170.00} in PMI funds I am paying on a monthly basis, is affiliated with Wells Fargo, so of course the company wo n't remove the PMI.
A representative from Santandar left a voice message on my phone asking for a call back. The voicemail left detailed customer information. I called to ask that my number be removed from the account because I had no affiliation with the customer or the loan. The Santandar representative ( female /last name XXXX ) refused to do so. I 've never been affiliated with the loan or customers, and believed it was a reasonable request.
on XX/XX/13 I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since Citi never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with CITI AGAIN. When you call this company and speak to different people you get different answers to your questions.
THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD CAPITAL XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX AUTO FINANCE XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A PLUS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX LENDER XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX FCU XXXX/XXXX/XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX RENT GROW XXXX/XXXX/XXXX
XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my Equifax credit-report.
I AM APPLYING FOR HARDSHIP ASSISTANCE AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE AS OF XXXX/XXXX/XXXX AND WENT TO THE UNDERWRITING DEPARTMENT FOR FINAL STAGE. NO DOCUMENTS ARE BEING REQUESTED SINCE THE FILE HAS BEEN DEEMED COMPLETE AND I ASKED IF MY FORECLOSURE PROCEEDINGS HAS BEEN PLACED ON HOLD AS I READ THAT IN THE FHA GUIDELINES THAT SHOULD BE DONE ONCE DEEMED COMPLETE AND PER MY SERVICER WHICH IS PACIFIC UNION FINANCIAL STATED THAT THEY DONT HAVE TO AND THEY WILL NOT. BY THE SOUND OF IT MY SERVICER HAS GONE ROGUE AND NOT WILLING TO COMPLY WITH FEDERAL REGULATIONS AND FHA GUIDELINES. I NEED HELP ...
WHILE PURCHASING A VEHICLE, I WAS TURNED DOWN BY ALL THE BEUARAUS BECAUSE MY SOCIAL SECURITY NUMBER HAS BEEN REPORTED THAT I AM DESEACED.
XXXX financed through XXXX was traded through XXXX XX/XX/XXXX. Pay-off payment was sent late. Kept calling XXXX multiple times as to why. Almost two months later in XXXX, it was discovered the check was sent to a bank I was unaware of. However, every time XXXX called, I let them know the car was traded in ; they noted my account. I was held accountable for being late ; reported on my credit as being late. Account was closed and paid off. Disputed through Experian, nothing came of it except for " consumer disagrees '' statement. Contacted XXXX multiple times, stated XXXX needed to call to be responsible for delinquency. Nothing has been done after various forms of communication. XXXX was not helpful. XXXX has not been productive in correcting their mistake.
my loan servicer is seterus.they have over charged me for over a year on my school taxes. i received MY XXXX STATEMENT AND IT STILL HAD THE OVERCHARGED AMOUNT IF I DONT PAY IT I HURT MY CREDIT my mortgage servicer is seterus. in XXXX i received a letter stating my taxes went up. i checked with the town clerk and brought my statement to her. she told me they had been overchargeing me for over a year. i called seterus and they said they would refund the difference to me. my next mortgage payment still has the wrong amount. i called and got no where. if i pay the correct amount it will hurt my credit. im in a no win situation
XXXX XXXX XXXX is trying to collect on a debt for a Insurance account via XXXX XXXX XXXX XXXX. I do not recall ever having insurance with XXXX XXXX and have tried repeatedly to get proof the debt belongs to me by requesting a contract from XXXX XXXX XXXX bearing my original signature. XXXX XXXX XXXX  has been unable or unwilling to provide this information. I have reported to all 3 credit bureaus that XXXX XXXX XXXX has been unable to provide this information and the debt still remains on my credit. XXXX XXXX XXXX is also reporting false information on the date this account was opened and closed. According to the statement I was sent, it was closed in XX/XX/XXXX and XXXX XXXX XXXX states it was opened XX/XX/XXXX. Per the Fair Credit Reporting Act, changing the date the account is opened/closed is against Federal Regulations.