WillisBack/dataset-financial-user-claim huggingface dataset:
I was a victim of identity theft with multiple local loan companies in XXXX SC. My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began in XX/XX/2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple hundred thousand dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.
On XX/XX/XXXX I entered into an agreement with Wells Fargo to go onto a reduced payment plan for my mortgage. This was due to me becoming a XXXX XXXX XXXX Veteran, and having to exit the military because I was blown up from an improvised explosive devise in during one of my combat tours in XXXX. I entered into this agreement, with good will, and continued it until my Veterans Affairs XXXX XXXX XXXX began which allowed me to begin payments on my regular schedule at the full price. I have never missed or been late on any payments, because I have it set up on auto pay, through my bank, XXXX and it is automatically deducted from my checking account each month. On XXXX, XXXX, Wells Fargo began this program, of reduced payments, and an error between internal Wells Fargo departments caused them to not know that I was on the program, and they kept sending me a bill for the full amount. The following month, this resulted in a 30 day late, which posted on the XXXX date, and it is now still on all 3  of my credit reports. I have disputed this several times. I don't know how much more clear I can be about this. I have even talked to a Wells Fargo representative on the phone, and it is in my Wells Fargo notes, that they sent it to the Wells Fargo credit department for immediate removal. Please help. I had a similar situation, in XXXX, with two 30 day lates, I can explain those in detail, and have notes on that as well. But wells Fargo should have this, and I have talked to them several times about it. They have already agreed to remove, but never have. They are reporting inaccurate information on my credit report. This is the final time I am asking, please remove all 3 late payments off of my credit reports immediatley.
Made NUMEROUS attem pts to speak with a  Citi    XXXX   or other representative that could assist in applying for a balance transfer card & transfer a $  XXXX  school loan balance ... However, repeatedly met inept or incapable button pressers that could not even understand the issue.     Finally, blindly made the request for credit via online submission as I was told after the credit line was approved a increase could be requested. Currently $  XXXX  will not serve the purpose of initiating a business relationship with  Citi.      Today, after  3 escalations I was speaking to Sr. Acct S upervisor (  XXXX   XXXX   )  & it 's becoming clear  Citi does n ot have a single competent person working at ANY level of customer service ...     Need to speak with an   XXXX  , customer  Executive t o exercise a meaningful  Brick & Mortar customer inquiry, a meaningful & informative request for a SPECIFIC request for a creditline increase.
Well I have a account with Credit Karma and before I was able to register my account a series of validation questions appeared stating that if I did or not have a mortgage loan in XXXX of 2010 and asking me what my loan amount was which for the record I have never owned a house bought a car or took out a mortgage also the next question was what was the company that I took out a auto loan / lease. Can you please remove these incorrect items from my credit file because it is wrong
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
the mortgage company falsely reported that i was delinquent on payments. i never was delinquent..This affected my credit score dramatically and we lost {$3000.00} while baying the vehicle.
I discovered the Assignment of Mortgage executed on XXXX XXXX, XXXX and recorded/filed XXXX XXXX, XXXX on our loan was robo-signed by robo-signer XXXX XXXX. Please see enclosed Assignment of Mortgage. XXXX XXXX XXXX was not an employee ( Assistant Secretary ) of XXXX ( XXXX ) on the date of XXXX XXXX, XXXX. XXXX is a shell corporation with [ n ] o employees and XXXX did [ n ] ot exist on XXXX XXXX, XXXX. In fact, XXXX, has been publicly out of business since XXXX. Please see enclosed document for verification and confirmation from the Federal Deposit Insurance Corporation. Robo-signing is illegal and has been outlawed in the State of New York. It appears the attached Assignment of Mortgage, was manufactured and prepared by the XXXX, the enclosed Assignment of Mortgage shows a XXXX Trust - and a fraudulent assignment in XXXX - 9 years AFTER the Trust had CLOSED! 
Trust documents are explicit in setting forth a method and date for the transfer of the mortgage loans to the trust and in insisting that no party involved in the trust take steps that would endanger the trust 's XXXX status, if the original transfers did not comply with the method and timing for transfer required by the trust documents, then such belated transfers to the trust would be void. The Trust itself can not hold ownership of the note because of its tax-preferred XXXX status. 
New York 's XXXX has erected an impenetrable legal barrier that prevents the Bank 's trust from acquiring a purported note and mortgage after the Trust 's closing date.
Inaccurate information report to FHA on an account that is not mine. I 'm contacting you in reference to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My exhusband was awarded this property in our divorce. He did not refinance the house out of my name so I was filed for a Chapter XXXX in XXXX, quitclaimed the property to him and divested all interests in the property. Apparently in XXXX my ex let the proper go via foreclosure and a deed in lieu was signed by him and recorded in XXXX XXXX. I purchased a new home in XXXX and last month I attempted to refinance my home and was told by the lender that an alert was placed in the FHA XXXX system stating that I had a property foreclosed on and that it made me unavailable to refinance under FHA for 3 years. This property belonged to my ex and I should in no way be harmed behind it. I was told I 'm held liable too but that its impossible as I did not sign off on the deed in lieu of foreclosure therefore invalidating the deed. I was told I did n't have to sign papers since the property was given to my ex in the divorce. It can be XXXX statues to adhere to. Either its mine too or its not. If my signature was needed and was never obtained then the deed in lieu is not valid. I ca n't be penalized with him along with his property as it is not mine. I want Bayview to send information to FHA XXXX and have the erroneous information deleted from my profile.
Company caused my credit score to be much lower by not removing items over seven { 7 } to ten { 10 } years. Looks bad and overwhelming to would-be creditors. 
Reduces my credit score down to low approval. XXXX finds it to be XXXX while EXPERIAN calls it XXXX! I do NOT owe any debts. No bankruptcies, judgments nor the like, nor am I a co-signor for anyone. 
I want to be treated for the RESPECT that I deserve for paying on time since I first began working and obtaining credit at XXXX when I was in college and to date.
An agency assuming the name of PayPal is calling and emailing to collect a debt I never made. The calls are multiple times daily from XXXX
A company that I have never heard of is using my home address apparently to conduct business and has a court judgement against them that has been turned over to a debt collector. Several months ago we had our mailbox broken into and mail stolen from us and I suspect there is a connection. ( This incident was reported to the Postmaster General )
My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Innovis by filing a direct dispute with them. They stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached an account status letter from XXXX stating my account has never been delinquent and my forbearance from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Innovis is not actually doing an investigation and just running it through their XXXX system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with XXXX late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.
Issues : 1. I disputed my debt according to 15 U.S.C. sec. 1692g ( b ). But the servicer ( XXXX XXXX XXXX XXXX ) ignored my dispute letter. They did not verify the debt. Nor did they cease collection of the debt. 

2. I am confused as to who holds the loan and who is servicing the loan. In XXXX XXXX I received letters from both Navient and XXXX XXXX XXXX XXXX ( hereafter " XXXX '' ). Both claimed to be servicing the loans. I 'm now receiving calls from General Revenue Corporation. 

3. I 've received conflicting daily interest rates. My rate with Navient is {$8.00}. My rate with XXXX is {$8.00}. 

4. I have not received important information from Navient. I requested a copy of my original agreement with the lender. Navient has sent my XXXX application but it does not show the amount of the loans. I also requested a copy of the final account statement from the original creditor and a breakdown of any collection costs. Navient ignored my requests. 

5. I have requested that the U.S. Department of Education review my account. Nevertheless, XXXX XXXX XXXX continues its collection efforts while the review is pending. 

6. Although I have been communicating with Navient, XXXX XXXX XXXX has called at least two of my acquaintances. XXXX XXXX XXXX knows my address and phone number. Therefore, the calls serve no purpose other than harassment. 

All pertinent documentation is attached.
They called about an year ago leaving a voicemail threatening that i would go to jail if i did n't make a payment to them that day. They left the same voicemail on my parents and siblings phones. in fear of there threat i began paying them the claimed i owed XXXX on a payday loan. since then they have taken over XXXX from my account and have n't returned any of my phone calls. Finding this very suspicious far too late in the game i did research on them to find out that the XXXX has an alert on them and multiple fraud complaints. I thought i was paying off a debt but now feel i have flushed XXXX down the toilet please help.
I.C systems are trying to collect a debt for XXXX in which was already settled by XXXX that I dont owe this debt. This debt has still not been validated by originals creditor XXXX
On XX/XX/XXXX I contacted the XXXX  to request an amortization schedule for my student loan. They refused to comply with my request. They claimed due to uncertainty over the plan, they could not provide such a schedule, even though they had the end date of the loan and monthly payment schedule listed. As the borrower I have a right to know any and all information about my loan including a standard amortization schedule which lays out the principle versus interest in the loan. XXXX  servicer, XXXX ( no last name given, as is standard for this shady company ) ID # XXXX claimed it is company policy not to provide such information, and yet could point to no written company policy at all. In fact, in the course of our conversation he discovered what he saw as contradictory information given to me by the last agent on XX/XX/XXXX, who said that if we left the Revised Income Pay-as-you-Earn plan we could in fact get a amortization plan. He said it was impossible to get one. Period. This is unacceptable. This is my information. I deserve to see all of it. I can not be a responsible borrower without having full knowledge of the plan. This is not how Free Markets or Capitalism is supposed to work.
I do not nor have ever had any account with Chase Bank. For two years running now, I have had credit background checks run against me for new apartment leases, and the same Chase account keeps getting listed as a charge-off. I have zero association with this card and it does not belong on my credit report. The card, ending in XXXX was opened in XXXX and closed in XX/XX/XXXX. I thought it was possible the account belong to my mom because she filed for bankruptcy in XX/XX/XXXX when my father died. I have confirmed with her she has never had an account with Chase ending in -XXXX. Regardless of who 's account this was, I am not associated with it, and this needs to be taken off my credit report. I was not even born when the account was opened. 
This is my second complaint to the CFPB. My first [ Case number : XXXX ] was closed immediately after receiving a response from Chase Bank. Their response was simply " no, we can not help you, '' and I was not given an option to re-login to dispute their response. I had to call CFPB to hear Chase 's response and they provided no details or information about what steps they took to investigate or why they came to their conclusion ( that they could not help me ). I have been in contact with XXXX XXXX at Chase Bank Corporate HQ where he was not able to find the account in question. 
Because I do not know anything about this account other than the limited disclosed info on my credit report, I can not provide information to Chase Bank to help them. I was in contact with XXXX XXXX ( XXXX ) at the Chase Corporate HQ after opening my original CFPB ticket and he could not identify the account. This does not mean the problem has went away, according to their response! I am filing this complaint as one against Chase bank ( XXXX different credit agencies reported the same thing ), but there are n't any options that best describe my complaint.
I am attaching a Screen shot of a call Received this morning. 
They are spoofing the call to make it look like my wife is calling me.
.On XXXX/XXXX/2017 I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from XXXX and transunion. Transunion also does not allow me to freeze my credit without making an account with them online.
On  XXXX / XXXX / 17  I called TransUnion to dispute addresses and incorrect spellings of my name or names I have never gone by and upon completion of the call the representative stated he had removed all addresses besides my current address and I would receive the update  in 5-7 bus iness days. On  XXXX   XXXX ,    2017  all the addresses were still there as well as the names I asked him to remove due to being incorrect/never associated with. So when the new report was received and I saw the information was still there, I called again and the representative stated that the copy I was looking at was old and another copy would come and that the had updated everything. I received the new copy today  XXXX / XXXX / 17  and it is still incorrect.
None of these catagories fit my problem. I have a collection from a credit card company, XXXX, of XXXX. I also have a collection company, midland funding, with the same bill, That means I have XXXX negative entries for XXXX debt. i find this absurb that this can be done,. I only found out because of other mistakes on my report that i was having fixed and just happened to see these XXXX entries one right after the other. Surely this is illegal,
You closed a complaint and marked it duplicate when it was a new complaint that has not been resolved .I payed {$250.00} to principal in XX/XX/XXXX and {$240.00} additional in principal in XX/XX/XXXX I have called weekly and emailed numerous emails and still have no answers or written documentation as to where my additional money has gone -please help!!!!
Last year i had listed my property to try to sell it to avoid foreclosure. I had to file for a chapter XXXX  bankruptcy to stop everything from going foward. I am now dismissed from the bankruptcy. The servicer has agreed to accept a short sale on the property. So my property was listed and they gave no amount but i got a couple of offers and submitted them to the servicer. They then denied offers and made the price XXXX. I had more showings and another offer for XXXX. They denied again and raised the price to XXXX. I then had an appraiser come in and appraise it at XXXX. My attorney subbmited to them and denied it. Still wanting XXXX. My property has been actively listed for almost a year now and i can not get it sold. The banks unwillingness to accept any offers. They are holding me XXXX it seems like. I have tired everything. I am a mother of XXXX kids and recently separated. This was my parents property and when they passed away i was unable to pay the mortgage due to major financial hardship. The servicer does not keep a price and keep changing their minds. I dont feel it is right how they are handling this short sale.
In XX/XX/XXXX, I missed the first of my payments on two credit cards I had with Citibank. I was having a XXXX XXXX, and had extreme financial duress. Without the XXXX XXXX, I would n't be able to return to work. I called Citibank monthly to try and attempt setting up a payment plan, as I had successfully done with XXXX XXXX. ( I 've been a Citibank customer for more than 10 yrs ). I was told that unless I could pay the full amount due ( balance, late fees, etc ), they could not help me. I 've called them at least a dozen times in the past year to try and get some sort of payment plan set up, as I went back to work in XX/XX/XXXX. They would not cooperate, same reason. Well, now it 's 12 months later, and they 've allowed the late fees, interest and other fees to accrue, all the while I was n't even able to view my account online any longer because it was in default, and they 've just sent me letters for both accounts and the balance has been sent to a debt collector. The amounts are so much higher than what I owed a year ago, and I feel that this is fraudulent practices on their part. Intentionally leaving an account open, but inaccessible to the customer, and jacking up the fees to buffer their balance is corporate thievery. I was an excellent customer all of those years without any late payments, even while struggling, and this is the return for financial duress.
department of XXXX XXXX department of XXXX  XXXX department of XXXX XXXX department of XXXX XXXX department of XXXX  XXXX department of XXXX XXXX
I have worked for a XXXX XXXX XXXX for about 18 years and should qualify for Public Service Loan Forgiveness. I have been paying on my loans for about 6 years. In XX/XX/XXXX I sent in an employment verification form certifying my years of public service, and my loans were moved to XXXX XXXX. In two years, I have not received verification of my qualifying payments. I called them about this is XXXX and they said it was weird. They put in an expidited review order and said it should be complete in 48 hours and I would get a letter. I still have not received anything. According to my records I have about 60 qualifying payments. The woman I spoke to on the phone in XXXX said I have way less than that. She listed a number of long forebearances that I did not take. I have bank records showing all my payments. Ive only ever made automatic payments that the loan services said were due. Im not sure what my next steps are. I have done everything right for PSLF yet I cant get anything in writing showing where I stand.
I was charged {$64.00} that was sent to collection. I called  BYL  collection agency over a month ago and paid the debt off. It needs to come off my credit immediately.
We obtained a 30 year fixed mortgage from Dovenmuehle Mortgage Inc. on XX/XX/2017. We bought the property for {$150000.00}. The appraisal came in at {$240000.00}, and our loan was only for {$150000.00}, which gives us approximately 40 % equity in the property. Even though our equity on the property is significantly over the 20 % equity required to waive PMI, XXXX refuses to waive it claiming that they honor the appraisal or purchase price whatever is lower. This seems completely unfair and is just a way for Dovenmuehle Mortgage Inc. to make additional money for something that is not necessary. We have an excellent credit score and we have significant assets to cover this loan which was shared with the bank at the time of the application. We are not a high risk customer, and with over 20 % equity owned in the property, Dovenmuehle Mortgage Inc. should be fair and waive this PMI requirement immediately.