WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XX/XX/XXXX our mortgage was sold by XXXX to Nationstar Mortgage. There was no notification that this was taking place, so payments were made to XXXX until we recieved a notice from Nationstar dated XXXX/XXXX/XX/XX/XXXX and that notice stated that the amount due {$2000.00} and that amount was due XXXX/XXXX/XXXX. That amount consisted of XXXX payments of {$1000.00} and a late fee. These payments were made to XXXX on a timely manner but were not transferred timely. We also applied for a loan modification through Nationstar during XX/XX/XXXX which was eventually denied. In XXXX of XX/XX/XXXX they paid our property taxes, without our knowledge or consent, which we had also paid, resulting in a duplicate payment that we were notified about. Then the calls started to Nationstar to fix the Escrow account they opened to recoup the taxes they had paid in error. They would take the monthly payment, which was received on time, and would put that into a suspense account. When there was enough money left in that account after some of it going towards the taxes, they would make a payment for the mortgage. This would always result in our mortgage payment being late, they eventually had our account with a pastdue amount of 3 months.. They finally admitted that the escrow account had been opened in error. And they were to correct the error on our account to make it current and correct on our credit rating. They are currently showing late payments from XXXX of XX/XX/XXXX to XXXX of XX/XX/XXXX Part of this is the payments made to XXXX but not transferred to Nationstar and part of it because of the escrow account they opened in error. In summary, we have attempted to get Nationstar to repair our credit report, to be able to go and obtain a new mortgage at a lower interest rate.
On XX/XX/18 I found a collection from XXXX on my credit report. I ended my service on XX/XX/2018. I moved my number to XXXX XXXX XXXX. I asked for and paid my final bill. I find a collection from Diversified Consultants on my credit report a couple before I called on XX/XX/18. I called them they said it was mine. I said how could it be I paid it plus I received zero notification despite having the same phone number and email. The address they allege they sent the bill to is my grandmother 's address. I have lived at my address for over 2 years. Diversified said they did no wrong even though they had the wrong address. I called XXXX and talked in circles until I got in touch with a supervisor who couldn't tell me why they didn't have my correct address nor could say why I wasn't contacted by the other means of contact that were valid. I said I will pay this if you will agree to take the account away from Diversified because they don't care who lives were and won't delete even though the law says that should. The supervisor said yes I could pay them and they would call this account back from Diversified. So I paid an account that wasn't mine to get it off of my credit report. It cost me well over 80 credit points. I don't feel paying an account that wasn't mine and wasn't notified so I could have asked for a verification of debt is fair but would have been worth it to get my credit back. I want Diversified consultants to delete this collection from my account and I want XXXX to do what they agreed to do on XX/XX/18 and pull the account back from Diversified. I want my credit restored. This is ridiculous
I received a  XXXX  or so check in the mail from a lender in  XXXX , OK I decided to use it for a short period of time. Paying it off quickly. I have good credit, and I am very concerned about anyone running my credit without my knowledge or consent., So, on  XXXX / XXXX /  XXXX    Security Finance  located at  XXXX   XXXX   XXXX  in  XXXX  ran my credit after my loan was all but paid off. I received an alert from  XXXX  stating these facts.      XXXX  at the lending agency stated she " accidentally pulled my credit while assessing another customers credit. '' I do not believe it was an accident.     I want this lending agency to write a letter to all three bureaus and undo any possible negative effect this might cause.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX
Some guy from Praxis Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old XXXX card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.
XXXX # XXXX placed on XXXX was returned because I was sent incorrect style of sunglasses, purchase date shows as XX/XX/XXXX on statement. The item was returned via USPS parcel return service on XX/XX/XXXX, it it still unclear if a refund will be issued or not, the phone rep I spoke with earlier said it is being worked on but had no other information. This is not the first time I've been sent an wrong item, XXXX XXXX has sent me items in the past which have turned out to be wrong item/style. I emailed a XXXX XXXX on XX/XX/XXXX requesting a refund in advance of receipt of item due to situation, wrong item sent. She referred me to a XXXX, I left her a voicemail on XX/XX/XXXX, did not call me back and it is now XXXX. I request Capital One, the bank whom issues the card I placed order on, to dispute the charge with the information I provided above. They should be able to track the return through XXXX XXXX and the order number I provided, the return label was provided by the company.
I got divorce in XX/XX/XXXX. My ex-wife retain the home and responsibility for the mortgage payments. In XX/XX/XXXX, she fell behind and eventually went into the foreclosure process. Wells Fargo agreed to modify the loan. They instructed the housing counselor in the XXXX Save Home Program to have me sign a quick claim deed to remove my name from the title/deed so that they could modify the loan in my ex-wife 's name only. I signed the quick claim deed. I was removed from the deed. However, Wells Fargo did not remove my name from the loan. They modified the existing loan keeping my name on the loan without telling. The loan modification documents were never sent to me for signature. I found out because Wells Fargo is reporting negative information to my credit report.
Appears to not be a licensed lender for the State of Nevada but doing USPS mailings and performing high interest loans. Tried to have me use a credit/debit card for payments using a payment processor outside the USA for  a higher fee. Refused to stop an ACH withdrawal
This account with XXXX was paid in XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points
I had a business checking account closed. I am guessing that they contractually had the right to do so. However, upon closing, the balance is supposed to be mailed. After getting suspicious, I went to my banking center and made several calls. They confirmed that a check for approximately {$7800.00} was mailed on XX/XX/XXXX. After inquiring on XX/XX/XXXX I was told they were within the 7-10 day processing period, to which I disagreed. After inquiring again on XX/XX/XXXX I was told that they would not stop the check and I would have to wait 90 days to verify if the check was not cashed and they would issue another. I was not provided the contact information for the legal department and was told I would have to find that information for myself. I then filed an OCC complaint and was called by a Bank of America representative who handles OCC complaints. She verified she had received the complaint and would get back to me that day after some research. Not hearing from her I had to initiate contact myself once again. I talked to a woman in the account closure department and XXXX XXXX XXXX whom I believe is in some type of resolution role. I was then contacted by XXXX XXXX ext XXXX who originally called me about the OCC complaint. After much discussion, I was told a check for MY FUNDS could not be stopped and that I would have to wait 90 days to see if the check had been cashed. I find this all very disturbing and unacceptable that a financial institution can not distribute my money from my account. The closure did n't involve any investigation that would tie this up. It was simply a business decision on the part of Bank of America.
On XX/XX/XXXX, I disputed inquiries that are on my credit report for XX/XX/XXXX and XX/XX/XXXX from Credit Plus. 
Credit Pluss response follows : Thank you so much for contacting Credit Plus. We are reaching out to the mortgage company, XXXX XXXX XXXX to provide Permissible Purpose per Fair Credit Reporting Act Standards for making the credit inquiry, and will be sending all correspondence to you via postal mail Fair Credit Reporting Act ( FCRA ) defines the term " permissible purpose '' is defined as a reason that a consumer reporting agency may furnish a consumer report to any person or organization. Unless the purpose for furnishing the report is listed as a permissible purpose, it can not be provided without the individual consumers express consent. 

B. Users Must Provide Certifications Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 

Reiterating : unless the person has certified to the CRA the permissible purpose ( s )  for which the report is being obtained B. Users Must Provide Certifications Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose.

My questions ; Is Credit Plus claiming to be a Consumer Reporting Agency? 
WHY DOESNT CREDIT PLUS HAVE THE REQUIRED DOCUMENTATION? 

Here is the problem and a potentially big one. Why would Credit Plus need to reach out to XXXX XXXX XXXX for copies of A PERMISSIBLE PURPOSE document ( written/signed authorization from me )? 
Credit Plus claims they followed the law under 15 U.S. Code 1681b - Permissible purposes of consumer reports. But under that law it states very clearly for the extension of credit, they must have my written permission. 
" in accordance with your written instructions '' It seems Credit Plus has a policy that is reckless and violates the FCRA. Upon speaking with a Credit Plus supervisor " XXXX '' admitted they provide individual credit reports to creditors on a good faith bases. That is insane particularly in todays world. It means that any business employee can contact Credit Plus for any individuals credit report. 

Remove the inquiries from my credit report immediately by Monday XX/XX/XXXX
This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after Navient responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XX/XX/XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by Navient 's agent ACT ( collection agency ) as of XX/XX/XXXX, the account was listed as settled in full and closed meaning it was sent back to Navient to update on both of our credit reports among other things. However, Navient still has the account status listed as a charge-off. Additionally, on Navient 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and Navient refuses to uphold the terms of our settlement agreement. ( See attachment : Updated Navient Settlement Agreement ).

A settlement agreement was made by Navient 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while Navient has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that Navient concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with.

According to Navient 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan.

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence.

Further, I am alleging that Navient entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to Navient as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to Navient as " settled in full '' and closed.
I was approved through Comenity Bank for the Victoria 's Secret and XXXX XXXX and XXXX on XXXX/XXXX/XXXX. 
I was then contacted by mail I needed to provide proof of identity. I sent in my Drivers license, SS card and proof of address. My cards were immediately closed and I was sent a letter saying they suspected fraud. 
I was told the accounts would be taken off my credit report. It has been 4 months and I have XXXX derogatory accounts saying " Account XXXX by XXXX XXXX ''. 
I still have no idea why my accounts were closed. I did n't even use them before they were closed within 2 months of being closed. 
Please remove these cards off my credit report. Currently you have these XXXX cards reporting to XXXX and XXXX. I am trying to clean up my credit to buy a house and this is hurting my score immensely. 

NY XXXX CO credit limit {$250.00} Victoria 's Secret credit limit {$350.00}
I submitted my XXXX payments to Ocwen Loan Co every month from the same Bank for a number of years. Ocwen has the information on file. My credit profile is marked more than 30 days late when in fact it was not. The mortgage co. put the wrong information into there system. When the wrong information was corrected the payment was recorded. 
The payment was paid before 30 days late and I have requested the removal of this error from my credit report to them several times but they refuse to correct there mistake. This is reported on my credit report as XXXX of 2014.
I have a state tax lien against me which I paid against me on my credit report and first I started by talking to the irs they said they could n't help but would recommend it dropped because the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XXXX XXXX, 2011 and second I visited the county clerk in XXXX ny where the lien was issued and she was going to drop it but the report was efiled so she could n't and just told me to dispute it and I should be fine but when I went to dispute it transunion said we will issue a dispute but it does n't matter it has to stay for 7 years ... now if the irs and the county clerk are willing to drop this idk why transunion has an issue with it.. I have just started trying to fix my credit and I have a kid on the way so I 'm trying to better myself in everyway for that so please any help on this will go a long way.. I have attached the efiled document and will be willing to give any info required
On XXXX XXXX my account was charged off due to a negative balance, on XX/XX/XXXX, I received a letter from a collection agency stating that my account has been placed with XXXX XXXX XXXX XXXX collection agency for collections from TD bank. On XX/XX/XXXX, th a direct deposit from a previous job came to the account. On XX/XX/XXXX the account was approved for credits only by ACH, and on the XXXX of XXXX a notice was placed with the credit agency that the account was cleared up. I did not approve any credits only on this account, onced it was closed and placed with the collection agency I no longer had any affiliations with TD. Also TD Bank are making all these actions against a closed account however they have not notifed me in writting of any of these transactions they took upon themselves to do. I just want my XXXX from this closed account.
Hello, I have a folowing situation - I just XXXX XXXX to XXXX and I don't have any credit history, good or bad. 

I went to Bank of America in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of Bank of America in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but I kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 

I notice that I have 5 hard inquiry from Bank of America ... But I requested only 1 credit card and I got 5 hard inquiry. 

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history.

I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past. 
But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card anyways?!
Some how when I logged into PayPal I had a credit check run on me and auto signed up for a line of credit and had and purchase charged to it when all I wanted is for my account to stay the same linked to my account with no want or need for a line of credit. Very deceptive and sneakily sucked me into this account.
I actually have XXXX to file : public record too. I 'll do that next. I was fraudulently reported by XXXX XXXX of XXXX in XXXX, OR for not paying one of my rent installments. I was double charged when I moved in paying {$680.00} ( included in the first installment along with a {$35.00} screening fee and {$150.00} security deposit in a check from my college XXXX account - XXXX ) XXXX XXXX, 2014. Then I was charged another rent of {$680.00} 5 days later which I was told it would all work out when I moved out showing that I paid the correct installments. They are telling me now this is not accurate and insisting I have to accept the terms of a five day payment for full rent in XXXX instead of one of my top installed agreement payments.
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
To whom this concerns, Navy Federal credit union allowed my Aunt whom lives with me now, and shares the same phone number as me to apply for a credit card. She added me as an authorized user on the card. The Navy Federal Credit union, applied the card in my name sent it to my home. Along with their disclosure and agreement. Also posted this to my online access account and, let me activate the card that is in my own name. 

Following activation, i am not allowed to use the card i find out that it is blocked by the security department after initializing the chat function with their Card Services department. The agent in the chat then tells me to call in and speak on behalf of the account. Per their terms and agreement which is not clearly defined. Authorized users may call and discuss the account in which they are authorized to speak on, or are a authorized user of. When i called to speak on the account the agent was very rude and said that even though my Aunt. Which is the card holder, is in the hospital there is nothing they can do about it. They have to speak to her. 

I then advised them of their terms and agreement which is the card agreement i received with the card which clearly authorizes me to speak on behalf of the account since it is posted to my online access as well as the card in my name. The Manager at that time tells me that i am correct and he will research it. 

He comes back on the line and clarifies that i did not apply for the account. I said no i did n't. He then ask what is my relation to the primary holder, I said that 's my aunt. He then tells me hold again. Comes back on the line after another 15 minutes and his tone totally changed. He then tells me now the account is not fully established now, and that i am not authorized to speak further from now on. That he is going to go ahead and tell me to have my aunt call. He then advises me if i would like to close my membership. I said no, but why do your terms and conditions say that i can speak on behalf of the account. He said then at that time, i am going to hang up i do n't have to answer your questions further. 

So now i am reaching out to the CFPB supplying the terms and agreement below which clearly define the agreement. I will also attach the card number in which is in my name as well. Please help resolve this.
Wells Fargo Bank of California charged my checking account {$500.00} without my knowledge or authorization. At the time Wells Fargo called their payday loans a " direct deposit advance '' which they know longer have that program due to consumer complaints. My checking account was put into overdrawn status, with overdraft fees instituted monthly, {$35.00} each month until they closed my account without my knowledge or authorization. Now that " direct deposit advance '' is more than double the original {$500.00}. I can not open another bank account, and have a strike on my credit reports. I can not get Wells Fargo to rectify the situation. I banked with them for almost ten years before this with no overdrafts. The first payday loan occurred in XXXX with renewals up until XXXX. Numerous checking and savings accounts were also opened without my permission.
On XX/XX/2019, Navient called to collect on my student loan and I explained that I don't have any money. They said that the only repayment option for me was to pay {$50.00} before they could defer my payments. I asked to speak with a supervisor and the supervisor was even less forthcoming with options for deferment or repayment. He offered my no options, the only option he offered was repayment. He did say they would stop the phone calls but that was all they could do. I then went online and saw that there was an option for deferment that required no payment upfront. I have deferred loans in the past and I have never been told that I have to pay before they would defer my loans.