WillisBack/dataset-financial-user-claim huggingface dataset:
After securing a loan for new vehicle we were presented with credit scores for myself and my husband from XXXX. Mine is XXXX and my husband 's XXXX. Granted I understand credit scores of spouses do not always match as male head of household tends to be the first name listed on debts, such as mortgages etc. However a discrepancy of XXXX pts did not seem normal, especially since I handle all our finances, thus I pulled his credit report for XXXX , XXXX and XXXX . Upon reviewing his credit report with XXXX I discovered a collection account for XXXX usd with CPA from XXXX and the names of XXXX and XXXX along with the phone number of XXXX attached to my husbands report. All of this information does not belong to us and has been disputed with XXXX under file # XXXX. 

I spoke with XXXX on XX/XX/XXXX and they confirmed the name of XXXX was linked to my husband 's credit report due to the collection from CPA # XXXX After speaking with CPA on XX/XX/XXXX ( XXXX XXXX XXXX ) they also confirmed collection in name of XXXX however, since they have my huband 's SS # in their system of XXXX it is up to me to prove my husband, XXXX, is not XXXX or XXXX and stated they receive information from their clients via XXXX, thus they are not responsible for my husband 's SS # being attached to name of XXXX. 

I proceeded with contacting the original creditor of XXXX at XXXX and they do not have my husbands name nor his SS # in their system, as well as our home address in XXXX. Any accounts under XXXX in their system all start with a SS # of XXXX. And the phone number of XXXX reflects an account for a completely different name. 

In addition this same situation occurred in XX/XX/2008 and I believe is to be with the same name of XXXX. Since at that time we applied for line of credit with local bank, XXXX, they handled the communication with they credit reporting agencies and I believed they told us XXXX has a similar SS # and DOB as my husband 's. I do not have a copy of the letters sent in XX/XX/2008 but do have copy of investigation results from XXXX confirming both collection accounts being deleted with XXXX account held by CPA. 

I do not believe this to be a case of stolen identity, but rather a case of data error and all fingers based on my preliminary investigation point to CPA as being the culprit of the data error.
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint of the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The communication from the lender is not clear or accurate - we have been speaking with the lender since XX/XX/XXXX - we were advised on this date the file was with the underwriters and nothing was being requested for the review - on XX/XX/XXXX we were advised the review was denied due to missing items and that the client has a buyer for the property - this was not the case and the lender was never told about a buyer for the property - the client simply asked for a payoff statement for informational purposes. At this time we requested updated docs from the client for a new review to be completed since the lender closed out the previous review due to the Payoff being requested. The lender has refused the new application that was submitted to there office 3 times since XX/XX/XXXX the latest being on XX/XX/XXXX- when we called to follow up to ensure all information was received, we were advised they are not reviewing this file due to the previous denial in XXXX due to affordability ( this was NEVER discussed ) we were told there would be no appeal period or review for this client as he can afford the payment. We requested a supervisor, we were transfered to a rep named ( XXXX ) this Rep should not be working for your company - when we explained to her the situation, her response was ( SO WHAT DO YOU WANT ME TO DO ABOUT IT ) - I explained again the situation and requested this file to be reviewed properly since the package was received more than 30 days prior to the sale date of XX/XX/XXXX - the " supervisor-XXXX '' said just a minute let me get someone else to help you - We were HUNG up on - this is unacceptable under any circumstances and the review of this file should be completed per RESPA guidelines and Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
I received my validation of debt after receiving another customers in the mail, but I received a copy of the contract that was not signed .I do not recall living at that address in XX/XX/XXXX-XX/XX/XXXX.
Toyota lease on a XXXX XXXX XXXX, 2 years, 24,000 miles. Extended the lease for 6 months as of XX/XX/XXXX. Turned in the vehicle on XX/XX/XXXX, with 22,867 miles on the odometer. Car was in perfection condition. Received a bill from Toyota Financial Services dated XX/XX/XXXX, for {$970.00}, this includes the disposition fee of {$350.00}, a {$560.00} charge for a cargo cover, and a sales tax fee of {$57.00}. I was told that the disposition fee would be waved if I purchased/leased another Toyota within 30 days of returning my previous vehicle. I entered into negotiations on a new Toyota on XX/XX/XXXX, but the dealer did not have the car I wanted in stock, which I 'm waiting on. Toyota Financial says " Too late '' and I have to pay the {$350.00} disposition fee. The cargo cover charge far exceeds the actual cost to the consumer for a new cargo cover, listed at {$190.00}, on Toyota 's website, and genuine replacement cargo cover on XXXX for {$100.00}. I 've asked for a receipt for the cargo cover once they receive payment and at first they declined. I pushed them for a receipt and they said that they would look into whether or not they would provide me with one. I may be able to negotiate the disposition fee with the new dealership I 'm working with, or I may simply decide to buy a car from a different manufacturer especially since I believe Toyota has charged close to 3 times what the cargo cover actually costs.
Hello, my mortgage payment consist of XXXX elements principal and interest taxes and insurance. 
My lender charges me nearly {$3000.00} per year and pays out to my insurance co. {$850.00} per year for the same coverage. They have no explanation for the overcharges. 15 month ago And after dozens of phone calls and emails with answers to a solution, I notified my lender and insurance co. Of the problems I am having with my lender and instructed them to return to the lender the {$850.00} on my behalf and accept the {$850.00} directly from me which saved me over 2 thousand dollars every year. I also notified my lender in righting that because of the overcharges I would like to pay my own escrow saving me thousands per year. So for the last year I have been paying my own taxes and insurance and sending my lending Green Tree principal and interest. Of course this upset my lender and they are now refusing my P+I payment and sent me a letter of there intent to foreclosure on me. I am a single parent and ca n't afford to be overcharge, my lender required me to make these overcharged payment for 3month while they investigate which I did only for them to tell me that they do n't understand why the overcharge still appear after the escrow analyst. I need help!
I lost my home over 6 years ago. When I purchase my home Countrywide ( now Bank of America ) Gave me 2 loans, after I lost my home because my payment increases to over XXXX a month and the bank did n't want to help me. Now bank of america is still charging me for the second loan. Since this was a purchase money second I 'm requesting your help to update balance to {$0.00}
On   XXXX   XXXX   XXXX   I pulled my   XXXX   major credit reports from  XXXX . I noticed an account being reported by   XXXX   XXXX   XXXX   XXXX    that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around   XXXX   XXXX   XXXX   I received an updated credit report and a summary of the investigation that simply stated " Information validated as accurate ''. No reason, method, or support to that statement.
In the updated credit report I found that not only did they not resolve my complaint but they allowed   XXXX   XXXX   XXXX   XXXX   to update information on the account from charge-off with a balance of zero and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  X/XXXX  to   XXXX  , and tack on   XXXX   reports of 90 days late to account that had a previous balance of {$0.00}.
I then disputed this new information with all   XXXX   credit agencies with the investigation results once again stating " Information validated as accurate '' with out anything to support that statement.
I then proceeded to file a complaint with the BBB against  XXXX  about the matter. However, the BBB did nothing but open up a line of communication with  XXXX  No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.
I then made direct contact with   XXXX   XXXX   XXXX   XXXX  . Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for  XXXX  and hung up.
I am now in the process of initiate   XXXX   last effort to have the report corrected before I pursue legal advice on handling the matter.
I was contacted about a debt owed to an apartment complex I never lived in. I contacted the apartment complex and the manager verified that the debt is not mine. I contacted the collection agency and they were informed by the apartment complex that the debt is not mine but they have not taken the debt off my credit reports and are still trying to collect for it.
The credit company will call M-Sunday from XXXX to XXXX at night. they do not leave a msg and call every XXXX continuously.
Chase Bank has been falsely reporting information on my credit report. I have disputed the information with the credit bureaus and they continue to verify the many inaccuracies on my profile. 

I went through my records and found a monthly statement and it shows how Chase has provided fraudulent documents on my statements. The amounts of debt it stated I owed and other account details were inaccurate. The complete pay history is inaccurately reporting. 

How can they report inaccurate information with any care to how it may affect my credit. The terms balances etc all vary from the documents they have on file
I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
in XXXX 2015 i bought an item from amazon, {$19.00} and it was charged to my account run by synchrony bank, XXXX XXXX, XXXX, fla XXXX ( bank ) -i got the bill from bank on XXXX/XXXX/15 and paid it by entering my bank account #, and routing # -on XXXX/XXXX/15 got letter from bank saying my payment had been returned by my bank-a lie as my bank ( XXXX ) never heard of it-i at once called bank at XXXX and spoke to aromas who told me they had made an error in input and verified my XXXX routing # and account # to have the {$19.00} paid from my account XXXX gave me confirmation # XXXX-the amount was paid and withdrawn from my XXXX account on XXXX/XXXX/15 yet on XXXX/XXXX/15 i get another letter from bank saying my account was closed for return payments -i called bank and spoke to XXXX-who said she would take care of problem, but nothing she could do about reinstating my account or removing bad report from the XXXX credit bureaus -- help me!
My wife 's wallet was stolen, so we had to close our old account through us bank. So we closed said account and opened a new one ( mind you this will be our second time dealing with this issue ). I recent refunded a game worth XXXX and it was refunded to my old account, due to them just sending it to a different account is not possible for obvious reasons. XXXX, the company who refunded our money sent the money, we have documents on our side and XXXX side saying they refunded the money to us bank. Now after speaking with us bank, they refuse to give us the money that was sent to our old account, that has my and my wifes name. They already did this with one of my paychecks.
I HAVE ASKED THAT PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim, I NEED SOME FORM OF DOCUMENTATION FOR MY REVIEW.
My mortgage debt collector, PennyMac, recently sent me my Escrow account projection report for 2016. PennyMac had added another column of " Required Escrow Account Balance '' numbers which reflected another {$650.00} over and above the required and lawful planned event that has taken place in the past. When the homeowner reads the projection, you feel that you are now required to start doing this ...., and you do n't! The Escrow has already been planned properly for the upcoming taxes and insurance and is buffered correctly for a XXXX balance XX/XX/2016. I can see that a homeowner would feel pressured and obligated to start paying this exorbinate amount and/or posssibly NOT be able to pay the increase and lose their home because of their ignorance of the actual requirements. I contacted PennyMac about this and after a 10 min conversation, they graciously " waived '' the required column on the projection sheet. Only, I feel because I called and noted the already proper Escrow that was in place. This is a dangerous practice by the debt collector PennyMac and needs to be stopped.
1 ) XXXX XXXX XXXX Account - XXXX Amount : {$11000.00} Address ID : XXXX 2 ) 1 ) XXXX XXXX XXXX Account - XXXX Amount : {$980.00} Address ID : XXXX Both of these accounts appear from identity theft. They do not belong to me nor do they have the correct social security number on file for me. I requested XXXX, XXXX   and XXXX XXXX to have these accounts removed immediately, but this was not the case. Please contact me for any questions or concerns. 

Thank You, XXXX XXXX XXXX
I was involved in online romance scam starting XX/XX/XXXX. This guy named XXXX XXXX XXXX ( fake name ), was in XXXX XXXX and needed money to get out. Asked me to send the money with four different account in cash from the date of XX/XX/XXXX to XX/XX/XXXX. I sent cash as he said it is urgent and cash works the best and faster to save his life. After I sent money, this guy kept asking more and more money. Then, I realized I got scammed. I went to the Wells Fargo Bank branch XXXX XXXX and asked to freeze their account as they took my cash under false pretense. I asked them to reverse the money as they are online predators and criminals. But, the bank told me they can not reverse the money without the account holders consent which they are not going to as they are scammers they already got my cash money. At this point, I think Wells Fargo Bank is harboring criminals doing online scamming and money laundering. I have all the evidence and the money transferred receipt. Despite of that, Well Fargo Bank is not willing to reverse the money. Please help. I try to reach out to attorney general of Nevada, police, and FBI, as well as lawyers. But, no one is willing to help.
I have contacted Navient on XX/XX/XXXX via email in regards to what is the name of the debt collector that owns my private student loans that were originally with Navient. 

I was a United States XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and made payments while I was a volunteer, the payment amounts were {$50.00} US dollars which was deducted from my readjusted living allowance. 

I have struggled to secure a full-time job from XX/XX/XXXX-XX/XX/XXXX. I would like to know who I should contact about my private student loans that were originally owned by Navient. I have made payments of {$25.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like to work out a feasible repayment plan on my loans. I would also like to know what my options are for repayment on private loans once I begin a graduate program in the XX/XX/XXXX. 

I am attaching my repayment history with Navient and the email I sent to them via the contact email address they provide on their website. No one from Navient has responded to my email since XX/XX/XXXX. 

Navient can contact me at the following mailing address XXXX XXXX XXXX XXXX, IL XXXX.
I have entered into a income based loan forgiveness program with XXXX XXXX XXXX and noticed Navient myself and through the company. Since then I have gotten conflicting emails telling me different things such as I filed for forbearance ( which I did not ) and then a day later that my payments would resume. I also stopped payments with them and my bank for autodraft. Twice they have changed the way they bill the account in order to obtain their money and I have had to file a fradulent activities note on my account in order to get my money back. At this point this is fraud and harassment.
I have a mortgage reporting from XXXX XXXX on XXXX and TransUnion. I have never had an account with them let a lone a mortgage. I have written to both bureaus and XXXX XXXX multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under XXXX. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1200.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account to which the business failed to provide adequate proof and have yet to respond. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I 'm a victim of identity theft and someone else has been trying to open up accounts in my name and there 's a lot of inquiry on my credit report from XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX 3 times on my report, XXXX XXXX/XXXX/XXXX I already have an account with XXXX and some thing by the name of XXXX I did not do this.
OnXX/XX/XXXXI responded to an online balance transfer offer from XXXX XXXX Total Rewards Visa. I transferred the balance of two of my XXXX card accounts, one was for the amount of {$8700.00} and the other was for the amount of {$5600.00}. The balance transfer of {$8700.00} was paid to XXXX but the amount of {$5600.00} was not paid and has not been paid as of this date by XXXX XXXX even though I have been charged and have been making payments on both transfers. After several calls to their customer service a dispute was opened on XX/XX/XXXX. I received a letter dated XX/XX/XXXX stating that they were working to resolve the issue but as of this date I have not heard from XXXX XXXX. I have written two letters to the address they provided but still no response. Due to their delay of payment to XXXX card I have been forced to pay the full balance of my XXXX card account. My last letter to XXXX XXXX stated that I have paid XXXX card and no longer want them to transfer the balance of {$5600.00} and to credit my account in that amount.
I 've written letters to Experian in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXof XX/XX/XXXX& XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed. I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated.
Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : :XXXX  XXXX XX/XX/XXXX XXXX : :XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX : :XXXX XXXX XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) WXXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) same acct number x 2
I settled the debt with the company 7 days prior to having to appear in court. I was assured that a judgement would not be entered against me for the debt. On XX/XX/2019, I received a court notice that a judgement had been entered against me for this debt. When I called the company after almost an hour I was told that a letter was faxed on XX/XX/2019, to XXXX indicating that the account was settled in full. After speaking to the court I was told that this is not their fax number and they never received such a letter. I had to obtain the correct number and provide it to the collection agency which should not be my responsibility. In addition, they said that they would have the letter faxed as soon as possible, without any urgency to fix the problem that they created, as of now the judgement has not been withdrawn.
I currently have a XXXX credit card with an {$18000.00} balance, resulting from damages caused by renters. I have never made minimum payment on this card. I requested XXXX allow me to make a {$50.00} a month payment while the case is in court. 

I had owned this piece of property for 15 years and had {$20000.00} in savings. It is .32 acres, has a 14 X 70, XXXX XXXX XXXX single wide mobile and a renovated pickers cabin on it. I farmed organic here until earlier this year. My kids had live here when they were first getting started. Later it was used as a rental. In XXXX I spent roughly {$10000.00} for a new foundation and upgraded the power. Then I moved into the cabin and as I had in the past, rented the mobile.. 

The mobile was rented to a young couple featured in our local newspaper. Their first year here, he put his foot through the living room floor, said it was a soft spot. The males in my family, that had lived here, were over 6 foot tall and weighed more than XXXX XXXX and they never had problems with the floor. There was no soft spot, but I suggested they put a coffee table over the " spot '' to protect it. They did n't and told me he fell through the floor dancing with his kids.

Last winter when it dropped to 18 degrees, the foundation which protected all that was underneath the mobile, had been destroyed when the renter repeatedly crawled around underneath and removed screws leaving the siding open to the weather. The water line froze and broke. When it thawed, water flew, {$120.00} for water and + {$400.00} to a plumber to repair the break. I had asked XXXX for all statements from XXXX to present to show the court the expenses from damages since these renters arrived. To this day, I have gotten nothing. I asked them to let me make a {$50.00} a month payment until I was done with the court battle. Repeatedly I called to check status on all of these. XXXX XXXX, the man I had spoken with, is never available. I even called once to make a huge payment and it was denied. Yesterday I got a letter telling me to pay {$1000.00} and I was being `turned over to collections. 

Nothing discussed with Wellsfargo was ever done by them. I 'm XXXX. Renters destroyed everything I had done to make that the least painful and me the most functional.
Trans Union is not responding to any of my many requests to investigate and remove accounts from my credit report that do not belong to me.