WillisBack/dataset-financial-user-claim huggingface dataset:
I received a called on X/XX/17 from the phone # XXXX. The caller left a message that they were calling for XXXX XXXX and stated that there is a problem with my name and social security number. They were calling from Weinberg Mediation Group and  that myself or my attorney have failed to contact them regarding this matter and since I have n't taken any action that I 'm not being compliant. First of, I have not received any communications regarding problems with my name and social security. And with all the fraud cases I 'm not calling someone to give them or discuss such a delicate subject. I can only assume this is a debt collector using a lie to get me to call them back. The call back # is XXXX not XXXX which they called from and in their website it states they are a debt collector. For what debt I have no idea.
I have had a mortgage with XXXX XXXX for 20 years with no problem. 
Two months ago it was sold to Shellpoint Mortgage. They have not paid my real estate taxes with my escrow account. The town sent me a letter stating taxes were not received and I will get a 1 % penalty for late taxes. Also Shellpoint said they never received my XXXX payment. 
My XXXX account has me making the payment on XXXX XXXX of last year. Today I got a statement for last months mortgage payment and this months payment with a penalty for being late. Shellpoint states they paid taxes on the taxes on XXXX XXXX. The town said they have received nothing. No one at at Shellpoint returns phone calls to help rectify the problem.
Every time I apply for something I get denied and I do n't have a credit score, but I had one before now I do n't have one.I do n't know what happened and I feel like someone is using my identity.
This is incorrect information, it belongs to someone else. 

XXXX XXXX XXXX, Opened XXXX XXXX 2016
reference : XXXX The company AMI ( Account Management Inc ) did send me the validation of debt as I requested back in 2016. I went online at the hospitals website ( XXXX ) and paid off all the bills and amounts that they listed. This was a judgment, and since paying it on XX/XX/2016, the judgment remains as active with the clerk of courts even though the amount they sent was paid in full. I am closing on a house in 14 days, and this needs to be showing as satisfied asap. It was removed from my credit reports years ago, so I thought it was gone and had no idea until now that the title was ordered, that it was still showing active.
I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXXXXXX , IN XXXX
On XX/XX/XXXX, XXXX XXXX XXXX, Human Resources Department received an unsolicited fax from the collection firm purporting to be an Employee Wage Garnishment and demanding payment. The transmission also contained false electronically signed authorization to garnish. On a quick Internet search it appears that this firm is the subject of Alert Number : XXXX ( XX/XX/XXXX ) published by the State of Washington Department of Financial Institutions warning of unlicensed and unlawful debt collection practices from this firm. 

An online complaint has been filed with the CA Attorney General. We also tried to file an online complaint with the FTC but that site is not functioning as a result of the federal government shutdown.
Experian is reporting late payments on my credit report on 10 different DEPT of ED Student Loans. Experian is reporting 90 days late XXXX and XXXX and reporting 120 days late XXXX, XXXX, XXXX, XXXX, XXXX. The loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. I have attached NSLDS showing that the loans were in FORBEARANCE.
I reached out to Transunion to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX
THIS MEDICAL BILL WAS COVERED BY A WORKERS COMPENSATION INJURY, THE HOSPITAL HAS BEEN PROVIDED WITH ALL THE NECESSARY CLAIM INFORMATION.THEY HAVE SENT IT TO A COLLECTION AGENCY
Due to the defective escrow calculations in my mortgage, the lender increased my monthly payments by {$450.00} a month, beyond what I can afford. To correct this problem I am attempting to refinance my mortgage since the six month waiting period mandated by FHA has expired. This refinance is time sensitive as it has to be complete before the lender pays the next property tax bill this month which puts the escrow account into a negative balance. 

To make this happen correctly, I contacted Plaza to get the automatic draft of the mortgage payment from my bank account stopped and the tax payment delayed. I was assured both verbally and in writing that both of those things had been done, yet Plaza still drafted the payment out of my bank account. This has put the brakes on my refinance as it has totally changed the payoff amounts and affected closing costs.

I have been in contact with Plaza several times over the last two days since they did this and am getting nothing but run around. They promise calls back that never come and can not provide any explanation at all as to why they can not just fix their mistake. Their actions, whether spawned out of complete incompetence or being done out of a willful attempt to prevent my refinance so they can continue to collect interest, are going to cost me a substantial amount of money.
Certified Mailed dispute letters disputing accounts with Transunion 3 different times.They are verifying the accounts are accurate. I called them and asked how they were verifying and they told me the creditors verified by my name and a address. I then asked are they not to verify all things they report on my credit report as accurate and that it is mine by validating proof such as an original signed contract with original creditors according to THE FCRA Section 609 ( a ) ( 1 ) ( A ). She said that is true. I then asked then why aren't you all doing that. She stated that Transunion does not have to verify anything and that I needed to contact the creditors. I told her that I was writing this down and asked if Transunion validated my debt with the creditors by seeing if the creditors had an original signed contract with my signature on it. She said no they did not. I reminded her of the FCRA section 609 and section 611 and asked if they were going to continue to ignore it by violating the federal law. She chose to not comment. I have attempted to solve these problems with Transunion 3 different times to no avail. I only wanted to know if they are accurately validating this debt and that it is accurate and mine, which is the federal law.If they can not verify this information, they are to promptly delete ( FCRA Section 611 ( 5 ) ( A ) ). I am a litigious consumer and fully intend on pursuing litigation. I know the remedies available to me ( FCRA section 616 & 617 ) for failure to comply with the federal law.
I was charged several " international Fees '' by Bank of America without them telling me about any international fees, they also never asked me if i wanted them to go through. They refused to tell me when i was told of these fees and how i was told of these fees. They asked me if i knew about them and i said " no '' to which they said they will see what they can do and they refunded one of them for {$2.00}. The charges i have gotten and was in question of were as follows. XX/XX/XXXX i was charged {$0.00}, {$1.00}, {$2.00}, {$2.00}, {$2.00}, {$2.00}, {$3.00}, {$11.00}. Then on XX/XX/XXXX i was charged {$0.00}, {$0.00}, {$0.00}. Then i was charged {$0.00} onXX/XX/XXXX I was charged {$0.00}, {$0.00} in fees on XX/XX/XXXX. OnXX/XX/XXXX i was charged {$0.00}, {$0.00}, {$0.00} in fees. On XX/XX/XXXX I was charged {$0.00}, {$0.00}, {$0.00}, {$2.00} on XX/XX/XXXX and the list goes on and on. These charges were all added by Bank of America without my approval or without notice. They never once informed me that there would be any fees let alone this many and this much.
Failure to provide Credit Reporting Agencies the required disclosure " notice of dispute '' within the 30 day time frame.
At XXXX on XX/XX/18 I called Experian to report unauthorized accounts providing my business and personal info publicly and incorrectly. A very rude XXXX guy named XXXX in XXXX refused to give me his manager, lied stating he was the only one I could talk to, and racially discriminated against me because Im XXXX XXXX! Experian refuses to correct the false information it is reporting on my behalf. There are two incorrect business listings that are not even valid companies and need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX You are providing incorrect information, this is not the business name. It is not the business address, nor has it ever been. Please fully delete and close out both of these accounts listed above from your system that are linked to my company. 

The individual stony hung up the call on me for absolutely no reason after racially discrimination and refusing to help me.
My husband who is now ill, co signed a loan thru Wells Fargo Bank and apparently, loan companies have gotten a hold of this information and are calling us non stop. Our son, the former student has been late paying some payments but has always paid plus hefty interest bank charges. He is now making timely payments.
Issue : Lab tests ordered by a doctor ( XXXX XXXX, XXXX XXXX at XXXX ) I did not even recognize nor have visited. I did not authorized the tests ordered.
Action taken : Called the debt collector and was advised to speak the doctor 's office directly. Then tried calling the clinic several times and was on hold for hours with no personnel helping me clarifying the situation.
Dates : various in XXXX  2017 Amount : XXXX
I lost my job during the economic crash in XXXX and could not regain my salary until XXXX and have been asking to get a fresh start loan modification and Carrington Mortgage denied me because I make too much now. There is no way I can reinstate for of XXXX. HELP I must save my house. The denial occured on XXXX/XXXX/XXXX and I have until XXXX/XXXX/XXXX to APPEAL, and during that time there is no foreclosure but the sale usually is set for the XXXX of the month.
I was solicited by a state farm insurance agent to refinance my vehicle with state farm bank. The proceeds of the state farm loan were to pay off the prior loan. The prior loan was paid and the release from the prior lender was sent to State Farm for filing. State Farm did not file the release from the prior lender but instead held it and still holds it. I wanted to sell me car and pay off my state farm loan. The problem is that the buyer said I had to get the lien from the prior lender removed from the title. When I asked State Farm to submit the release to the XXXX, State Farm said it would not unless I paid off the loan to it. It told me to tell the buyer XXXX to accept its guarantee that it would release the prior lien when they were paid off or I should find someone else to buy the car. I went to XXXX to avoid problems with receiving payment. And, I think I should be allowed to sell my car to who I want to sell it. If State Farm had released the lien of the prior lender when it received it as it should have then I could go to XXXX, tell XXXX that I owe State Farm and they could pay State Farm and I could stop paying interest and insurance ( also through state farm ) on a car that I want to sell. But as it stands now, I have a title that shows a lien holder who has been paid off and can not sell the car. When trying to get the problem resolved I have talked to a number of people at State Farm who have given conflicting answers and told they would escalate the issue but nothing happens.
They say I owe money but I bought there credit protection which was suppose to take care of the whole amount because I was out sick for awhile. Then all of a suddent they keep calling me, threatening me, using bad language. I have kids and they are hearing some of this.
I was asked by the homeowner, who has a mortgage serviced by Ocwen Loan Servicing to facilitate a short sale because her home remains under water. She has exhausted all possibilities to obtain mortgage relief under HAFA, HAMP, etc because her mortgage is not FHA, XXXX or XXXX. Her interest rate remains relatively high and she pays taxes and insurance separately. This mortgage started out under Homecomings. The home was listed for sale XX/XX/XXXX and most recently obtained a favorable offer at list price which still represents the need to do a short sale. All docs required for a short sale review were emailed and/or faxed to Ocwen between XX/XX/XXXX-XX/XX/XXXX. I was sent a message via XXXX by Ocwen to accept the short sale negotiation task which I did during this timeline as well. The borrower as well as myself have complied within 24hrs of all of Ocwen 's requirements and I received a notice from Ocwen that the home is being Auctioned. All parties, mainly the homeowner has a HUGE issue with this because she still lives in the home, is current on the mortgage, has obtained an offer at the marketed list price while Ocwen has NOT performed the required BPO or appraisal on the home, has not reviewed the offer nor completed the short sale guidelines based on my experience with Ocwen previously but yet has put the homeowner at a great disadvantage because advertising this home as an Auction on the internet totally jeopardizes her safety ... especially in this neighborhood! Upon my conversations with XXXX Ocwen representative today, neither of them could provide reasons for an Auction when they currently have a completed package, per their guidelines, to review. I was told that the " investor '' requested the auction. However, no value has been issued by Ocwen neither has the offer presented been reviewed or a counter issued by Ocwen or the investor. I am very concerned about these fraudulent practices especially when the borrowers account reflects over {$1400.00} in late charges from XX/XX/XXXX when the existing mortgage rate was raised to 11 % and foreclosure notices were issued. The interest rate was reduced to approx 8 % currently which grossly exceeds the market interest rate and Ocwen refused to eliminate and cease to collect on late charges that accumulated during the review and resolution time period and continues to grow.
XXXX/XXXX/XXXX I sent certified letters to Central Financial Control ( California and Texas office ) to validate the alleged debt showing on my credit report. Per tracking information of the date Central Financial control received my letters- they did not respond to me within the time frame required by law, as I did not receive correspondence from them until XXXX XXXX, XXXX. I also advised I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. This company stated they did not need my authorization and they did not violate any laws.
We pay additional principal on our mortgage and designate it as such, as allowed by our mortgage agreement. Ditech, our mortgage servicing company, continues to hold our funds without applying them to principal. This continues in spite of our requests to them to apply our payments as required by the mortgage agreement.
I had an account with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account was closed several years ago, and the account was cleared. They posted to my credit that I'd owed {$430.00} for an equipment charge. I contact them regarding the posting, as I did not we this amount. XXXX confirmed by phone that there were no notes on the account about me owing any funds. I asked them to remove the item from my account, they said they could not. I contact the credit bureau to which it was referred, they too refused to remove it. 

In XX/XX/2017, I set up a new account as we had just moved, and they did not indicate that a balance was due on the account, so I was able to set up the new account with no problems. I closed the account around XXXX because of slower internet speeds than indicated and the fact that we had too many outages in which we could not use our service. I closed the account, with a small balance on account ( under {$100.00} ) which I'd made preparations to pay once I returned from medical leave. Upon checking my credit this month, They have since modified the OLD credit report account, making the new account date XX/XX/2017, the amount being the same. This is grossly incorrect and unprofessional. I am prepared to pay the funds due, but would like my account reported accurately.
I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my XXXX and XXXX ; and I'm assuming my Experian  as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XX/XX/102018 . We eventually went with XXXX XXXX XXXX XXXX but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave XXXX   permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX dealer ship in XXXX CT, on the XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XX/XX/XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points.

If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.
I have tried numerous times requesting Equifax to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. An Equifax employee informed me that they have no right to send that me that information in how they " verified '' the alleged debt. Also, was told that they can only send me a letter that states, " unchanged, deleted or verified ''. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are  used to " verify '' an alleged debt. But with Equifax refusing to do so. Equifax has violated my rights as not providing documents in how this alleged debt has been verified. I called Equifax on XX/XX/2018 at XXXX.
I was sold a car that I was told I could afford. I was told my monthly payments would be {$300.00} a month and now I pay {$100.00} over what I was promised. I wanted a simple car and was sold a car that has so many features that I do n't know what they are for or do. I am not educated and I am older so I was taken advantage of.
We have had a bad experience ( sinceXX/XX/XXXX ) with Stearns making sure our taxes are paid on time with our escrow funds. It has been very hectic and stressful following up with Stearns as many times as we have, trying to get the situation resolved. It started in XX/XX/XXXX when we were mailed a surplus escrow check that was over {$5000.00}. We immediately knew something was wrong and called customer service. The agent we spoke with ensured us that the check was correct, stating all of our three tax bills for the year had been paid. We cashed the check but knew the situation was not correct. In XX/XX/XXXX, it was brought to our attention that we had a large tax bill that was so past due, it was in the penalty phase. We contacted Stearns right away, asking that the bill be paid as soon as possible. Customer service asked us to submit a copy of the bill and we did so. We gave Stearns some time to review the bill and pay it. By this time, we were into XX/XX/XXXX and the bill still hadnt been paid. We became concerned the bill wasnt going to be paid before XX/XX/XXXX, when the bill would have gone to collections. So, we ended up paying the tax bill out of our own pocket, using the money from the escrow surplus check we received. In addition to this, we had to pay for all of the penalties that were associated with the bill. In addition to this, there was another tax bill that Stearns failed to pay. It was a much smaller bill, but it was also late and had late fees associated with it. I also paid for this bill out of pocket. This was an interim tax bill that Stearns claims they arent responsible for paying. However, I have spoken to agents at the tax office who said that IT IS Stearns responsibility to pay interim tax bills. The total for the penalties alone, between the two bills, was around {$800.00}. To date, XX/XX/XXXX, I have been trying relentlessly to get these penalties refunded to me. So far, not a single customer service agent has been able to explain to me why these tax bills werent paid on time. I have called Customer Service numerous times and continuously get the run around agents promising to call me back with follow up information, or saying they will have their supervisor call me and even saying the tax department will reach out to me to get the situation resolved. Im at my wits end and dont know what else to do. Im fed up with the whole process and lack of communication that Stearns has provided me with.
I reviewed my credit report and noticed my credit was pulled by Rise. I never used this company for any services or applied for a loan with this company.
Back some time ago a LOT of credit cards were opened with my information mysteriously as soon ( or close to ) turning XXXX. For example I had a XXXX dollar credit card opened with XXXX. When I found out, It was a little too late because the perpetrators have gobbled up all the money. Not knowing what to do, I went to my local XXXX. I spoke with someone and told them someone stole my identity and opened a lot of credit cards with my information. I was turned away and I was told to start paying the amount owed. The representative said " They MUST of gotten the information from somewhere '' " It 's probably someone you know '' and I was n't offered any help. Well here we are, I have an XXXX credit card, XXXX card, and the largest XXXX cards that were opened without my knowledge. Considering I did n't open any of these credit cards, I 'd like to find out some help or advise.