WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.  XXXX   XXXX   XXXX  and  XXXX  is listed  4  separate times and none of the accounts are mine.  XXXX   XXXX   XXXX  is also listed. This is not my debt and I have no knowledge of it.  XXXX   XXXX  is listed, this is not my debt and I have no knowledge of it.  XXXX   XXXX   XXXX  is listed. I have no debt with this company and have no knowledge of it.  XXXX   XXXX  is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. Thank you.
We entered a SAM agreement with OCWEN approximately XX/XX/XXXX. We have been making payments on time and over the amount stated. From XX/XX/XXXX thru approximately XX/XX/XXXX Double payments were sent to OCWEN that we were not aware of. In reviewing our mortgage payments, we did not find where the extra money we sent for payments was applied to the principle. I contacted OCWEN who could not tell me where the additional monies were applied. An accounting sent from OCWEN shows the funds were applied to fees and service charges. The SAM contract we signed does not state that payments submitted in excess of amount due would be applied to 'fees and services '. We contacted an attorney to try to resolve, but OCWEN continues to be evasive and not provide an answer to our inquiry of why were n't the excess funds sent applied to the principle.
I was XXXX yrs old steered toward college because I maintained good grades in XXXXschool forced to take student loans to pay fot higher education and given a higher than 10 % interest rate with a cosigner because i hadnt established credit ( predatory lending ) i was then suspended from XXXX university for an offense that was dropped in XXXX county municipal court and the school proceeded to say they had more power than the court system and they didnt care what the ruling in the case was and found me guilty with no trial or evidence and I couldnt fight them because my family is poor
XXXX XXXX when I called my Mortgage Co. asking on the status of my " auto pay '', the representative ( her name is XXXX ) told me that my auto pay has not been set up yet, so she advised me to pay by phone to avoid late fee, so I did. Today XXXX XXXX, Seterus ( a Mortgage Company ) charged me twice ( on my checking acct ) dated XXXX XXXX and XXXX XXXX. I called Seterus and I have requested to send the money back to my account but they say that they cant do that unless I request a letter from my bank. XXXX took the funds from my XXXX savings and they charged me for the transfer fee. I called my bank XXXX re : such letter that Seterus is asking but XXXX said that they cant issue letter to a XXXX party. I called Seterus again but they said that there 's nothing else that they can do but considered it as " advance pay '' for the next month. I have asked for the assurance that they I will not get double charged again but they cant give me XXXX. 
I hope that someone can help me regarding the situation, I want my money back on my account, I also hope Seterus will pay the transfee fee that XXXX charged me when they took the funds from my savings to cover. 
Please help.
On XX/XX/XXXX while visiting XXXX XXXX for a work meeting, I received a fraud alert for my Chase checking account. Immediately I contacted the bank and they listed 3 off ATM withdrawals which I did not make. One for {$330.00} 2nd for XXXX and 3rd for XXXX - all from the same ATM. I was in a meeting during the time of the withdrawals. Chase reversed the withdrawals and then a week later took the money back with no notification. When I reached out to chase their response was, the merchant had verified the purchases ( but these were ATM withdrawals not purchases ). When I finally spoke with someone at chase they said my card was swiped and pin was used. But it appears my card was skimmed. Last time I used the card was in the taxi with my pin. I was told that I would need to file a police report which I did ( this took some time as I was dealing with another country ). When I filed the report, chase did nothing. Finally I spoke with someone at Chase on XX/XX/XXXX in their fraud department. She looked into the withdrawals and also felt that something looked odd. Charges were attempted after I cancelled the card ( this information was never shared with me ). It is odd that 3 ATM withdrawals would be made. I have been with Chase over 10 years and I 've never filed a fraud charge. Chase now tells me that I need to deal with the police. Chase has been inconsistent with the information they are sharing with me. First telling me the merchant verifying the charges ( when the fraud was ATM ) and not letting me know about the attempted charges after the card was cancelled.
Ditech sold my mortgage to XXXX as of XXXX XXXX. They told me that all payments go to XXXX, now they have put on my credit that I still owe them a payment of XXXX for XXXX. XXXX XXXX, XXXX I sent XXXX XXXX for XXXX, XXXX and XXXX payments. Ditech sent XXXX XXXX to my account for overpayment. Now Ditech says I owe them XXXX payment and it shows up on my credit report that I am a month behind. I called Ditech and they are insisting that I make the payment to take this off my credit report, XXXX says that I am up to date on my payments. Attached are my payments and dates for both companies, look carefully at Ditech XXXX XXXX, XXXX the interest for that month is twice what it is suppose to be for a total of XXXX, when I questioned they told me that was what I owed. But I paid XXXX and they put payment of XXXX, try to figure this one out. I would like to have this cleared and my credit cleared up ... ... .notice that I paid more then the required payment.
it was payed-should have never been reported-credit protection if I could I would XXXX for this false report
Company has taken out multiple installments on one pay period, causing my account to overdraft. Company did this without any input or communication with me. I tried calling the location where I took the loan out, Check n GO in XXXX, CA, but that location is out of business. I called the customer service number on line for the compnay, they told me they only serviced loans taken out online. I lodged a complaint to them via an online customer service portal, and they have yet to contact me.
Within the last 2 weeks I have been receiving declination letters from various banks for auto financing that I did NOT apply for, using my name and home address of 10 years by persons I do NOT know. The names that are fraudulently using my name and address are XXXX XXXX XXXX XXXX and XXXX XXXX. According to these letters I have received, these persons unknown to me, went to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and applied for a car loan. I myself went to this dealership and did NOT apply or accept a loan. A week or so later, I have been receiving declination letters from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and TD Bank. Some of these letters have my name on them along with this XXXX XXXX XXXX XXXX ( of whom I do NOT know ). The dates are XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have called and visited XXXX however XXXX 's finance person was of no help. XXXX filed a report with their finance department and I have heard nothing. 
This issue started with XXXX XXXX of XXXX. This company is to blame for their lack of security measures concerning consumer information.
My mortgage payments are in a post suspense balance as per poc/ as per pcn. My mortgage payments are not being applied to the loan. I have paid a partial payment a few times but I am current on my payment.
I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, in which I have not received a response from TransUnion. I then sent by certified mail on XXXX XXXX, 2016 requesting deletion of all disputed accounts from my credit report according to FCRA Section 611 ( a ) ( 5 ). TransUnion failed to verify within the 30 day time period and send due notice to myself as to such findings.
James B. Nutter bank is not working with me and I put in a complaint with FHA and not hearing back from them either.
XXXX worth in student loan debt. I keep asking about the forbearance issue and they keep telling me they cant help me or dont know anything about it. Ive tried to talk to multiple people about my situation. The school my loans are through are closing and is being sued due to fraud and lying to students. I was told that i am capable of getting my loans discharged because of the school and not being able to use my degree or anything. Ive been requesting help and havent been getting any. Besides being told what i owe and how i would like to go about paying it
I requested my mortgage servicing company to cancel my escrow account be my mortgage payments continue to escalate over several years until now we can not afford the payments on the loan for the current year of XXXX. We submitted a request in XXXX XXXX. I was told since we have a conventional loan a written request must be faxed or mailed. I sent the request through a fax letter with the loan number. This company police holds {$700.00} in reserve fund above the total amount it disbursed for property taxes and insurance. We are now finding it hard to make new loan balance payment each month for year XXXX.
Transunion is reporting duplicate accounts for XXXX XXXX both accounts are showing a balance this is incorrect the balance in XXXX acct ending in XXXX original loan balance XXXX
On Friday, XX/XX/2018, I received a credit monitoring notification that an address was removed from my Equifax credit report. After reviewing the alert, I realized that Equifax removed my current address. I did not authorize this change as this is my only and current place of residence. Equifax has a copy of my driver 's license and utility bills from prior interactions and I did not change my address from the current one with any of my creditors, so there was no reason for this change. I'm not sure what fraudulent activity is going on with my report, but I need Equifax to update this error immediately and send me a copy of my credit report to my address. This is the ONLY address Equifax should have on my file. I do not have this issue with XXXX neither XXXX.
I am being HARASSED by Dynamic Recovery Solutions. On XX/XX/2016 I filed a complaint with the Consumer Financial Protection Bureau ( Case number : XXXX ). In the complaint, I stated that Dynamic Recovery Solutions was in violation of the Fair Debt Collection Practices Act ( FDCPA ) ; namely, they failed to provide a written notice regarding an alleged debt. On XX/XX/2016 Dynamic Recovery Solutions responded ( via the CFPB ) to notify me that my relief would be the following " THERE WILL NO FURTHER CONTACT FROM DYNAMIC RECOVERY SOLUTIONS. '' However, not two months later, Dynamic Recovery Solutions has resumed calling me and leaving voicemail messages. I received the first call on XX/XX/2016 at XXXX CST from telephone number XXXX ; a voicemail was left. I received the second call on XX/XX/2016 at XXXX CST from telephone number XXXX. Another voicemail was left and stated : " Hi I am reaching out to you today from Dynamic Recovery Solutions, a debt collector. Please give me a call back when you receive this message. My number is XXXX. I would appreciate a callback today if possible. Again our toll free number is XXXX. I appreciate your cooperation. 

As you can see, Dynamic Recovery Solutions did not honor their word ; they are still contacting me. What is the point of having laws and this bureau if debt collectors, such as Dynamic Recovery Solutions, do what they want? I want all communication to cease and desist effective immediately or I will have to take more serious action.
I ordered checks online, in XX/XX/XXXX Wells Fargo, mailed them to the wrong address, I needed the checks so I had to order again expedited, and was charged, even though I talked to the postmaster, who had to track the package, said they put the wrong address on the package they refused to tae any responsibility and charged me twice.
I had a corporate card with AMEX while I was employed by my previously firm which I left in XXXX of 2015. When I left, I had no balance on the card, but a recent charge was posted as I left which left a remaining balance of approximately XXXX dollars that was deducted from my reimbursements at the time of my leaving the firm as the last bill did not post until I had left. They cancelled the card. AMEX stated that I owed this money and I paid AMEX, which they later reimbursed me as they double collected and realized they made an error. 

However, several months later AMEX began to charge me past due fees on a non-existant debt that was double paid and reimbursed to me which I called and they reversed as the bill had been paid and they said they would take care of it. This happened on multiple occassions every couple of months and I would call, they would reverse the bill and apologize as there should have been no charge. However, the bill continues to increase with delinquency fees on delinquency fees and my contacts to them results in them reversing the charges for them to continue to reinstate them. 

I believe AMEX has ineffective payment systems and processes which allow the entity to charge fees where there is no underlying balance, stack those fees, agree to waive those fees upon contact by the customer, and then continue to stack those fees in abrogation of their stated response. As a result, I believe that AMEX did not raise my issues as complaints as they should have been and they may have difficulty in their complaint management processes, but more directly, they have violated XXXX XXXX XXXX and XXXX XXXX XXXX relating to UDAAP as allocated to the CFPB as both deceptive ( direct contact and reflection of the statements made to me claiming the fees were waived and no additional action was required on multiple occassions ) and unfair ( relating to their billing practices and underlying systems that failed to recognize payments and deduct wrongfully billed fees ). While these were 'business ' credit cards, I believe the CFPB should consider authority under the end result of the business card being applied to the individual as a consumer who was not employed by the entity at the time of any wrongful actions even if the underlying requirement was the result of an initial employment situation and business context. 

More likely though, I believe it is a violation of XXXX XXXX XXXX ( FTC XXXX XXXX ) or more commonly known as UDAP under the previously mentioned prongs for deceptive based on the misleading conduct of the agents to the end result and the underlying unfair billing practices.
Several letters have been sent asking them to bear my signature and all me letters and gone un answered. They have failed to comply with the FCRA and not provided any documentation. This information needs to be removed at once.
I received a voicemail from XXXX XXXX The person stated her name is XXXX XXXX with XXXX XXXX XXXX. She said she received a complaint in her office and she will be filing here in XXXX County, Illinois, but the case was reviewed and before filing, I must contact her at XXXX to address the proceedings sign off on the documentation. My father received a phone call from the same person, trying to locate me on XX/XX/2017. 

I received a voicemail from XXXX XX/XX/XXXX. The person stated her name is XXXX, and my account is on hold. She stated that if no contact is made she will be forced to forward the documents to my home, and to contact her at XXXX. 

I received a voicemail from XXXX X/XX/2017. The person stated her name is XXXX XXXX, and that she is a process server in XXXX County, Illinois. She stated that she will be serving legal documents to my home or place of employment if I do not respond and sign the documents. She stated that my refusal or inability to sign the documents will be considered a missed court date and the legal process will continue without me. She stated I am to call XXXX to address the proceedings and schedule a time to sign the documents. 

I believe these incidents are illegal, and all the same people/person that has been harassing me. I do not have any accounts in collections that I 've found during credit checks.
I do not know if you can help me or not. I decided to say something after my mother was involved in a class actions suit and received a settlement for the same type of company. About ten years ago I signed up with a debt settlement company. I thing there name was XXXX XXXX. All I remember is that they took money every month and put it into an account at XXXX XXXX XXXX. They said they would settle my debt. I was told to have all my creditor 's contact them and they would handle everything. I paid a large sum every month and all I got was liens and a wage garnishment. When I told them I no longer wanted to work with them and wanted my money back that was being held in this account, I was told that the money was not refundable as it went to pay their fees.
My complaint is against Green Tree Servicing. While they were the holders of our mortgage note we were having financial difficulties. I tried explaining this issue to them and they would n't hear any of it. They contacted me multiple times daily when I was late with very bad attitudes and abusive language they even contacted my neighbor when I was late and told her that I was late making my payments and left a message with her to call them. My husband and I were mortified, this was truly one of the most embrassing things that has ever happened to us. Not only were we struggling to pay bills, but trying to find a decent paying job in our community which paid a living wage. We felt defeated! We had no choice but to stay with this company since our credit had taken a beating. We are still suffering from the repercussions of the economy, our credit took a beating. We did manage to save our home as well as our vehicles. I have also asked about items that our on the monthly bill and never received an answer.
I was in and out of the hospital in XX/XX/XXXX battling XXXX. While in the hospital I had a " friend '' watching my home and making sure that my bills got paid. When I arrived home from the hospital, I came home to a friend who had disappeared, a stack of mail, a vacate notice from the sheriff for my mortgage, and a lot of information I did not understand. 
I relocated in XX/XX/XXXX to California for work. At that time, I went into a dealership to obtain a car. To my surprise, there was a credit card on my credit report showing as owed by me. At no time did I take out a credit card, file an application, make a payment, or transact any business with a Capital One card. To this date I have disputed this card at least XXXX times. To my surprise the only thing Capital One keeps saying is that I filed for the card, I completed an application online, and that I made payments. They are verifying all of this against public records that show me living at that address. So in other words, everything hinges upon the address of record. I have asked to settle this matter, asked for some sort of resolution, and asked for copies of receipts etc with my signature. At this point they are refusing to provide any other information to validate that this is me. 

Please help me.
I have contacted both XXXX, XXXX XXXX and Experian and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither one done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way. <P/>These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both Experian XXXX XXXX, and XXXX that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the USA? This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.
I have a sale date of  XXXX / XXXX /  XXXX   while working to get a loan modification. I was previously told that the foreclosure was placed on hold but now suddenly they have  one sche duled days before. The person that has been assigned to my file,  XXXX   XXXX , was requesting for some documents days before the scheduled date. I was able to provide them the same day via email. Days later after the  3rd pa rty that i am working with provided them the documents, the notes state that  XXXX   XXXX  is requesting the same documents the day before the foreclosure sale date. I dont want to lose my home over some negligence of processing my documents on time. I was told today that the sale date is still scheduled for tomorrow and of course I am unable to get a hold of  XXXX   XXXX . Please help me as I do not want to lose my home.
Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX  babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You.
PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.