WillisBack/dataset-financial-user-claim huggingface dataset:
While serving XXXX XXXX from XXXX to XXXX before I was XXXX. I was dealing with XXXX XXXX XXXX whom unbeknown to me they were putting me on forbearances. Which know that FedLoan Servicing has taken over my account XX/XX/XXXX I have discovered via my Public LOan Forgiviness that only 48 months have been applied. I am missing roughly XXXX months of payments applied. They have not really done anything to correct this issue. As of roughly XXXX XXXX this loan should be written off underneath that program. It needs to be readjusted accordingly to show I have made 101 payments out of my required 120.
Ditech 's website provides erroneous information, does not work half the time, tells me a false payment amount, provides a customer service number hat hangs up immediately -- dear XXXX, ca n't you do something about this completely incompetent organization that I never chose to do business with?
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX   first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!
Original Institution Capital One which has been deleted from all the credit reporting agencies, XXXX is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete XXXX from credit profile. 

Respectfuly, XXXX XXXX
Bank of America sold my mortgage loan to a 3rd party company. The problem is that is being sold to XXXX XXXX XXXX, XXXX. After doing research on this company, I have discovered this company has a LOT of bad reviews. Does the consumer has a right to pick where their mortgage is being sold to? Or can the consumer have a say in what company their mortgage is being sold to. What if the company it is being sold to is known for problems.
We have requested SPS review this file for a short sale. SPS is refusing to do an interior appraisal/valuation of the home, even though they have been notified numerous times that the basement wall is collapsing, causing the home to cave in. The homeowners had to move out for safety reasons, yet SPS refuses to take this into consideration. Their blanket response is " the investor does n't require an interior valuation '' - yet they have n't even notified the investor of this issue. In addition, they are trying to force the buyer to pay for title insurance - which is a seller fee! Each state has different rules and in Michigan the seller pays this fee. They, again, refuse to clarify this with the investor on the loan and are delaying the file.
I get a phone call from this company at least once per week. The message says 'we are a debt collection agency. Call immediately regarding an outstanding debt '. I have no outstanding debts!! I refuse to call this company back, because I think it is a scam and I don't want to talk to them. I went to the XXXX to look this company up and there are many, many such complaints.
I put a freeze on my Equifax file following the data breach, as per recommendations, on XXXX XXXX, XXXX. 

I just received a letter dated XXXX XXXX, XXXX from Equifax stating that they were about to change my address from my actual current address back to my old address from 3 years ago. 

The letter stated I should contact them if I was going to dispute this. 

I called today and after several attempts and calls, was told they had no information on who was changing my address ( which creditor ) and that there was nothing they could do. 

I have not applied for any credit anywhere, I have no credit card debt, and they are informing me that my address is being changed to an address from 3 years ago, and they ca n't give me any information on how or why this is happening.
This company has placed a debt for medical bill which does not belong to me. Also, how did this company get my social security number to apply to me? It has already placed the debt to another person who shares the same address as me with the same name. I assume they do not verify information.
I have been back charged from capital one credit card services. My credit card limit was XXXX and now it is reflecting a XXXX over limit charge
This debt was settled for {$1200.00} on XX/XX/XXXX and had a zero balance. The company proceeded to garnish my wages and took {$140.00} from my paycheck on XX/XX/XXXX. 
I contacted ecmc at least 3 seperate times by email after XX/XX/XXXX regarding the garnishment and the only response I received was asking for the fax # to my hr. Which I provided but ecmc should have already had as it was on the copy of the paperwork my employer sent. 
I finally received a response on XX/XX/XXXX stating that they have not received the payment and to " check back '' without a specific time frame provided. 
This garnishment should have never gone thru on the XXXX since my account was already settled in full on the XXXX.
I have been having an ongoing issue with Transunion and not being able to access my credit report to complete Disputes online since XX/XX/2018. I have notified them of the issue via Telephone, customer service, and web support on multiple occasions. There has been no resolve. The advised that they created a ticket. The issue is not a login issue as I can login and I have a screenshot to prove it. I can login but I see system error and that they are experiencing technical difficulties after logging in. 

There is also an duplicate closed account that is reporting that needs to be deleted from The XXXX XXXX XXXX as I only have one current and open account. The closed account needs to be deleted
My mortgage servicer, PNC Mortgage, has been, and continues, to charge me a 6 % interest rate. I have made numerous attempts for over one ( 1 ) year by contacting them both on the telephone and by submitting requests for mortgage modification. They refuse to address my requests. They refuse to provide reasons why my mortgage modifications requests are being denied. They also refuse to offer any assistance in resolving the HIGH interest rate. They do provide non-specific, vague answers. They do NOT have the correct information about my income and debts. They will be forcing me into possible bankruptcy, possible foreclosure and possible loss of my home.
On XX/XX/2018, I contacted cashnet via chat to get a quote on my payoff for my loan. I already had a scheduled payment to be taken out my bank account on XX/XX/2018. When I contacted the company in XX/XX/XXXX, I was quoted for the days XX/XX/XXXX-XX/XX/2018. I was quoted {$310.00} for XX/XX/XXXX, {$310.00} for XX/XX/XXXX, and {$150.00} for XX/XX/XXXX after my scheduled bank draft of {$160.00} making it equal to {$310.00}. I was told that I until Midnight of XX/XX/XXXX to make any of these payments for payoff by online or calling in. I decided to pay it off on Friday since a payment was coming out anyway. We are all human by working and dealing with life issues so I called on XX/XX/2018 at XXXX to make the payment of {$150.00}. I was put on hold and was on hold for over 2 hours. I stayed on hold because the payment needed to put in before midnight. While on hold I went on the website so I can make an online payment. To my surprise that wasn't an option. Also I see that the phone lines close at XXXX. So, I was on hold while no one was there!!! Why didn't the hold message say this or let me know it was closing soon. This is unfair practice and unacceptable. The phone lines should let customers know that the phones will be closing soon. There should also be an online payment option since this an online loan. I contacted the company by email with photos of my hold time. They responded by giving me a higher quote because a new day has passed. This is unfair because I called before the deadline and was put on hold and stayed on hold while no humans were there. And, I didn't see an option to pay online.
This company continues to call my cell phone and work phone, trying to collect a debt that was wrongfully submitted to collections. The debt has been resolved with the original medical provider. However, this company, Frost Arnett, continues to contact me trying to collect a debt they are not owed.
This judgment is from XX/XX/XXXX I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXX and I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.
I contacted XXXX XXXX about XXXX XXXX XXXX charges on the XXXX of XXXX in regards to not seeing a bill. They said they would not wave the charges, however I was not getting my bills with them by mail or e-mail ( electronically ). There was no bill, but I finally got a response by mail on XX/XX/XXXX -- again, stating they would not wave the fees. I had struggled with their online phone service, then to get bills, and now that I have paid them ( since recieving my payment for this late fee ), they have added an additional XXXX dollars in charges. Same thing, no response to my message about this on their electronic messaging, no bill and more charges. I JUST got a messaged response, and this was not a helpful response.
On XXXX/XXXX/2017 I saw various news reports that there was a data breach at Equifax where social security numbers and account information were compromised. I followed up at the Equifax website that directed me to another company website that would inform me whether or not my personal data was one of those that had been compromised. The company website needed my last name and last six digits of my social security number. However, when I entered my last name and last 6 digits of my social security number, I was not told whether or not my data was breached. Instead I was only notified to come back on XXXX/XXXX/17 and enroll in their TrustedID service.
United Mortgage Company shared private financial information such as IRS Form XXXX & employer XXXX forms with persons not employed by United Mortgage and through unsecured email servers in violation of the provisions of the GLB Act. When contacted regarding this incident, they defended the practice which indicates it was not an isolated instance.
Collection company for a medical bill contacted me and stated employment verification had happened and I could be taken to court. They refused to give me the name of the attorney, stating they had XXXX that they used. I asked for the names of the XXXX and was not provided. She argued that they did n't threaten to take me court, but that I COULD be taken to court. They were also very rude when I disputed the bill, stating the doctor 's office had never billed me for it and I did not know the insurance had denied it. 
=They stated I could not do a payment plan without going through their hardship process, which included applying for a loan to get a denial letter, which would be a hit on my credit and more detrimental to me. I was told whatever I sent in would be applied to the bill but that collection practices would continue.
I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and Experian are reporting the following fraudulent accounts : 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 I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
they have written the debt off and it has been removed from my report. Yet still run hard inquiries on my credit every month. This needs to stop.
I would like to speak to someone regarding severe auto finance fraud by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA. After 2 contracts signed ( one is not even my signature ) a interest increase from 5.99 % to 22 % and several conversations and having the sales girl XXXX come into my place of business after I told her NOT TO COME TO MY PLACE OF BUSINESS ( on the XXXX of XXXX ) to have me sign a cancellation agreement ( The bank records is a different agreement ) I had returned the XXXX XXXX XXXX truck to the dealership on XX/XX/2018 because they wanted me to sign an additional contract ( 3rd ) After returning the vehicle the finance manager had forged and altered an original document and after already charging ( 2 ) {$2000.00} payments charged an additional payment on my Visa card for {$3000.00} on the XXXX of XXXX without my permission and when I had called the bank to do a chargeback, they had submitted a contract that was a combination of the first two contracts and a 3rd contract in which I had never seen before or signed. XXXX XXXX XXXX because of the fraudulent paperwork and even after I had shown them the proof of forgery, did not refund me. I was out {$7000.00} no truck and a bill from XXXX XXXX. Since this whole situation, I have had no down payment to purchase an additional vehicle. XXXX XXXX has repossessed the vehicle from XXXX XXXX XXXX XXXX where the truck was returned to the manager ( witness was present ) on the XXXX of XXXX, 2018 my credit is now ruined so I am unable to purchase another car. I have proof of fraudulent financing to the extreme. I absolutely want to report not only the finance manager but the dealership as well.
I am currently repaying a student loan to fedloan servicing who have an inaccurate total that I currently owe them. All of my loans have been consolidated but credit has not been given for the payments that federal government collected over a period of 20 years. When my loans were defaulted, my taxes were taken and I was voluntarily having {$170.00} withdrawn from my checking account for over 16 years. The collection agency was the XXXX XXXX XXXX and I have not been given credit to my account for those years of payments that they collected from me. I want those tax collections that they intercepted and I want those voluntary checking account deductions to also be credited to my account. This will significantly impact my payments.
This loan was taken out with Suntrust as a line of credit by a business that I used to own. I was offered so many products I was told my it was a business unsecured line of credit and my credit was not the applicate, but a singer CEO they have more than double the original amount and from XXXX to XXXX! The company went belly up and they came after me. They have called and harassed, turned my case over to a collection agency and the loan was originally taken out in XX/XX/XXXX.  Payments stopped in XX/XX/XXXX and now going on almost 14 years and I am still harassed via mail when I have requested after 7 years that they remove form my personal. they have again is is 14 years later, they bill me ever month and refuse to remove the debit from my credit. Per my rights it should be removed they had attempted to put a lien on my home which was made to be removed by the legal department and it shows a bad on my credit report.
While monitoring my credit reports I found several fraudulent inquiries on Trans Union, XXXX, and XXXX. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX CA. This is despite the fact at the time I had a valid XXXX account in my home in Washington, which had been active for years. Needless to say I no longer use XXXX. 

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted Trans Union, XXXX and XXXX to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX XXXX and one other creditor honored my request and removed the fraudulent inquiry. 

The majority of the fraudulent accounts were initiated with a XXXX CA address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case. 

Months later XXXX discontinued my service and claimed I owed them over {$900.00} for service in XXXX CA. I explained to them that I contacted their office in XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX correct this issue, I filed a complaint with the PA Attorney General. XXXX eventually apologized and removed the collection from my reports. 

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed. 

TRANS UNION fraudulent inquires : XXXX   XX/XX/2017 XXXX XX/XX/2017 XXXX  fraudulent inquiries : XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  fraudulent inquiries : XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 Please note, I currently have an active XXXX XXXX Card and an active XXXX XXXX Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

Thank you.
In XX/XX/XXXX, my student loans were turned over to XXXX XXXX for collection. I made automated monthly payments totaling {$5400.00}. In XX/XX/XXXX, I received a notice that USA funds reported a default status for nonpayment, even though I was making monthly payments. Dumbfounded, I called XXXX XXXX who had been taking my month for three years, and they said, yes, I was in default. I to this day do not understand why, but they walked me through consolidation paperwork. I also requested all payment history with their company as I still did not understand where my money had been going. 
In XX/XX/XXXX, I received notice from the new consolidation company ( XXXX  ) that my principal balance is {$13000.00}. ( My balance as on XX/XX/XXXX with XXXX XXXX was {$11000.00} ) XX/XX/XXXX I called XXXX, and all they could tell me is this was the amount transferred to them. XX/XX/XXXX I called XXXX XXXX to verify the amount they transferred and they claim it to be {$11000.00}.
I have a XXXX account. I 'm trying to move one from there to my bank account. So far, I get a message saying that my banks ; TD Bank AND XXXX XXXX will not enable external apps and I can not transfer money into those accounts.
I applied for a XXXX loan in XX/XX/XXXX and can't seem to ever pay this off and, it is now XX/XX/XXXX and I still have seen no decrease in my pat back interest is at like 800 %!!
I've been paying on my student loans since XX/XX/2008 to present and every deferment every assistance that they give me increases my loan I have a loan that went from 70 something thousand dollars to {$120000.00} and navient is refusing to assist me. I'm currently on XXXX and still can not make payments nor was I even able to complete School XXXX XXXX closed before I could get my degree
My mortgage payment goes through a company called SLS ( Specialized Loan Servicing ) and they have been making payments to my insurance company on my behalf after repeated requests to not do that. I have also been paying for my own insurance during this time so I am being billed twice. As a result I have had the payments that SLS made for me go into my escrow and it has increased my monthly payment tremendously to the point where I can't afford my payment. 

The real problem is that I have been on the phone with their customer support representatives and supervisors for countless hours trying to resolve it and I have been getting nothing but a run around. They don't ever return my calls from requests to speak to supervisors, they don't ever receive the letters that they ask me to send to be removed from escrow that I have sent in several times. And they never document anything we speak about for hours on end. 

I am getting nowhere with this company and I have no clue what to do next. If I make this payment I will not have enough money to live, and if I don't it will be reported that my payment is late and it will ruin my credit which I need very much. Can someone please assist me in having SLS cooperate with me. 

XXXX XXXX
Experian refuses to remove disputed addresses, including addresses in other states that I have never lived in and addresses that do n't exist, are spelled incorrectly and belong only to relatives.
Commonwealth I am wrting regarding a collection you wrongfully placed on my credit report. 

I contacted the orignal creditor you reported on my credit report XXXX  XXXX XXXX also known as XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. 

I have contacted them with every contact according to The state of florida department of corporations " see attached '' They do not know who I am. 

They stated due to HIPAA they could not speak to me. 
Surely this is a mistake. 

Can you please remove off of my credit report. attached you will see the owners of this company. 

Its actually not a hospital its a collection agency. I think they may have sold you my dads information. we had the same last name ... .and he died around this time. 

Its difficult for me to keep reliving this.
i recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them informing me that I owed them anything and rights were violated under the FDCPA