WillisBack/dataset-financial-user-claim huggingface dataset:
A raiz del huracan maria comenzamos a tener inconvenientes con los pagos, Recibimos una llamada la cual nos ofrecen un programa de nombre Feddie MAC Disaster program, aceptamos los acuerdos, al tiempo estabamos consientes de los atrasos siempre nos mantuvimos haciendo pagos y en comunicacion con citimortgage, Me asignan una consultora de nombre Kristal Madero para ayudarnos con la cuenta asesoria de como poner nuestra cuenta cuenta al corrriente. En el transcurso del tiempo me asignan otra consultora de nombre Diana Orozco esta nos ofrece la posibilidad de hacer una modificacion la cual aceptamos, pero cuando llegan los documentos por correo y leimos bien de que consistia esta modificacion la declinamos era algo que iba en contra de todo lo que hemos pagado durante todos estos anos, Luego de eso la senora diana nos ofrece una extesion de pago donde de los 5 meses de atraso le pagariamos 3 y los 2 restantes irian al final del prestamo, ella me indica que me va a enviar los documentos por fax los recibi el dia 17 de Septiembre los firme y los devolvi por fax tengo prueba de confirmacion, mantengo comunicacion llame el 24 de septiempre 2018 para ver si recibieron los documentos y una persona del servicio al cliente me atendio de nombre Karina esta persona fue grosera e el telefono no podia darme ninguna explicacion de como iba mi caso y tambien me indica que no a recibido nada de mis documentos se los envie de nuevo esa tarde. Le pedi hablar con un supervisor y de manera sinica me dijo que la unica persona que me podia ayudar solo hablaba ingles, escuche como se reia en el telefono y me mantuvo en espera sobre una hora y munutos, Me indico que la senora Diana orozco no podia atenderme hasta Octubre 2 2018, Desde el 17 de septiembre hasta octubre 2 eran ya mas dias contando y ellos no me daban respuestas envie los 3 pagos como me indicaron. Hoy 8 de Octubre les digo como va mi situacion ellos me asignaron otro consultor lo cual me indica como cliente la falta de orientacion y ineptitud de esta compania, La persona que tiene mi caso se llama e;l Sr Matthew Seitz con numero de telefono 1-877-245-2511 ext 0475289 hoy 8 de octubre 2018 hable con el a las 12:30 y me indico que mi extension fue negada no tan solo eso ocurre en mi cuenta cuando hago pagos no los anaden a la cuenta pienso que algun tipo de fraude estan incuriendo tengo estados de cuenta que asi lo confirman necesito ayuda. Gracias
This is the second time I have contacted your XXXX XXXX, XXXX, Experian regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.
I have been a victim of fraud and have been without {$540.00} for over three weeks. Two fraud transactions posted to my account. These transactions were made in a city over 2 hours away from where I was located at the time. I was at work during the transactions in XXXX County, the purchases were made in XXXX XXXX County. I provided BofA my work schedule and my credit card statements that clearly show I was in XXXX  County. This has been extremely frustrating and has caused a financial hardship. 
The first fraud transaction was charged ( {$180.00} ) on XX/XX/2018, but did not bpost to my account until XX/XX/2018, and the transaction posted without any notification to me. I have notification alerts with BofA. 
The second transaction was charged ( {$350.00} ) on XX/XX/2018 but did not post to my account until XX/XX/2018, and like above, I did not receive any notifications. 
I noticed the fraud transactions on XX/XX/2018, and immediately reported the fraud to BofA. A customer service rep at BofA stated the card was used legally by manually inputting the card number. The rep stated the fraud was reported and my money was credited back to me. My debt card was closed and a new card was delivered to me. 

On XX/XX/2018, I noticed BofA decided to withdrawal the money out of my account that was previously credited. BofA sent a email and letter prior to taking the money but I was out of town and missed the notifications. 

I contacted BofA on XX/XX/XXXX, to disputed the descision. I was told I could not be transferred to the investigator who handled my case, and I could also not have his name. I was told I can request to have the investigator call me. I made the request and waited 48 hours without any notification. I contacted BofA again and submitted documents that show the charges are fraudulent. I provided my work schedule that shows I was at work, and credit card statements that show I was in XXXX County during the times of the transactions which took place in XXXX XXXX County ( over two hours away ). 
As of Saturday, XX/XX/2018, I have no been contacted. Additionally, my account was charged a fraudulent charge of XXXX dollars on Friday, XX/XX/XXXX, which was resolved today, XX/XX/XXXX. 

I again requested the XXXX dollars be returned immediately, as its clear my account has been compromised. I have still not received any notification..
A company called JH Portfolio is wrongly reporting a collection account on my credit file with all three national credit bureaus. XX/XX/XXXX a company named XXXX was incessantly calling me about collecting an alleged debt. I told them to contact me by mail. On XXXX XXXX, XXXX they sent me a letter claiming that JH Portfolio has hired them to collect money from me and that they were offering me 70 % discount on {$2300.00} I owe JH Portfolio debt Equities. So they were asking me to send them {$690.00}. I responded to XXXX letter asking them to validate their claim, which they never did. But to my surprise and without any notice, on XX/XX/XXXX JH Portfolio reported a collection account for {$2300.00} with remarks saying '' account placed for collection '' in XXXX/XXXX/XXXX and " Date updated '', XXXX/XXXX/XXXX. 
These remarks are strange since JH Portfolio Debt Equity appeared on my credit reports for the first time on XXXX/XXXX/XXXX and I am not sure who placed a collection account with them. JH Portfolio Debt Equities did not sent me a notice for {$2300.00} debt before inserting negative information on my credit file. On XXXX XXXX, XXXX I addressed them a letter asking for debt validation. Until now I have not heard from them but on XX/XX/XXXX they inserted new remarks on my credit reports saying '' account information disputed by consumer, meets FCRA requirements ''. How can account information meet FCRA requirements when they inserted negative information without prior notice to me and are refusing to respond to my request for validation?
I do not have a contract with Ad Astra Rec in the amount of {$1100.00}. I am not liable for collection of this debt from  AD Astra Rec. I  am not responsible for this debt and would like it removed from credit report!! I have been contacted by this agency on numerous cases threatening me.
I was incarcerated for five years. I was released XX/XX/XXXX from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date Opened-XX/XX/XXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XX/XX/XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ).  XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX Date Opened-XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}
This is a followup for complaint XXXX. Upon making 1 phone call to my previous mortgage holder, i found out that the money was sitting in a corporate advance account. If XXXX XXXX had done this, they would not have erroneously sent me their nonsense letter trying to scam extra money out of me. I see from their " response '' that they have mis-applied my XX/XX/XXXX payment to XX/XX/XXXX, as well. This needs to be corrected ASAP. I have attached all relevant documents. I expect them to come correct, and to apologize.
To whom it may concern : We started our home mortgage qualifying process in XXXX 2016. We expressed CLEARLY to our loan officer, XXXX XXXX, ( NMLS # XXXX ) of Barrett Financial ( NMLS # XXXX ), that {$1800.00} was our max payment budget. 
At that time he pre qualified us for up to {$310000.00}. We found a home we LOVED. The contract was accepted on XXXX XXXX, 2016 with a close of escrow date of XXXX 2016. 
We proceeded as directed to pay for and have a home inspection and termite inspection done for the amount of {$300.00}. 
In Arizona we have a 10 day inspection period and during that time for any reason should the buyer cancel, the full earnest deposit is refunded. We had deposited {$1500.00} into escrow as an earnest deposit. 
We received our INITIAL DISCLOSURES ( attached ) on XXXX XXXX, 2016. 15 days prior to our scheduled closing date. 
We were shocked that our payment was going to be {$1900.00}. We immediately wanted to cancel the transaction, however when we started to investigate, it came very apparent that if we did not proceed with this transaction, we would lose our {$1500.00} earnest. XXXX then told me if I changed my withholding on my check, I would have more money in my net pay, therefore enough money to cover the larger payment. We were told that as recently as 2 weeks prior to the disclosures being provided that Mortgage Insurance rules changed, and that FHA lowered loan limits in XXXX ... XXXX. And that was why the payment was higher. Both of which we were able to determine were just flat out lies. 
We reached out to the Loan Officer and the best he would do is change our loan from Buyer Paid Mortgage Insurance to Lender Paid, thus increasing our rate by .625 %. And poof, magic our payment is {$1700.00} But not once, did he explain how the loan would finance out over the XXXX yr term, and what the cost would be in the long run. 
We also asked XXXX repeatedly to provide us something that had been sent to us that we SIGNED that were the initial disclosures within the required 3 day period. If we missed something ; we own it and move on from the loss. XXXX NEVER responded to the request. I had another loan officer review the docs that were sent on XXXX XXXX, the documents are clearly initial disclosures. 
After some research, we have found that the INITIAL DISCLOSURES, should have been delivered to us within 3 days of the contract, as the subject property address was the only item missing from completing our application. Due to the complete disregard for Federal Compliance requirements, we paid for an inspection and sacrificed our earnest funds. 
We lost {$1800.00} by cancelling this transaction, because we were not going to feel like hostages to this loan officer, or the loan he was trying to wrap up pretty with a red bow. 
We feel that the protections put in place for the consumer were violated at our cost. 
I would like some guidance from the very Federal XXXX agency that is in place to make sure this does not occur again, and I feel that XXXX XXXX and/or Barrett Financial should reimburse us for our losses at the very least. 
Thank you for your assistance in this matter. 
XXXX and XXXX XXXX
IDENTITY THEFT NOT RESOLVED Source XXXX Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX XXXXhone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX XXXX NC Zip XXXX
I am a victim of identity theft and filed the information with FTC. Even after the FTC File Affidavit was sent to the company with validation and proof of identity theft, the company responded that the debt was mine. My SSN and personal bank information was compromised and the company has yet remove the accounts from my Credit Reports even after filing as a victim of identity theft with FTC
I previously filed two complaints against XXXX XXXX XXXX XXXX XXXX XXXX and its " online bank '' FSB Today XX/XX/2019 I found an overnight letter from XXXX XXXX XXXX XXXX, XXXX IN. 

This is a Complaint against this " bank '' for FRAUD. In the envelope are document which PURPORT to be my signatures attached to the " Application '' and " Acknowledgement ''.

One place where the tiny " signature '' was placed is a BLANK PAGE with the word " Acknowledgment '' and " by making this deposit the depositor agrees to the terms and Conditions stated above and taken special notice of the discussion early withdrawal penalties which apply to this deposit included in the terms and Conditions. By signing below, depositor acknowledges receipt of an Account Disclosure related to this Account. '' This is an outright LIE. I never saw anything prior, and I NEVER signed such a document. Moreover XXXX XXXX Agent stated this was SOLELY to identify the appearance of my signature on a card. i.e. illustration to prevent forgery. 

It is fraud for SF to represent to me that I ever SAW, ever WAS TOLD, ever RECEIVED prior the account, any DISCLOSUREs, Applications, These documents are HARD PROOF they created ex post facto documents THIS WEEK, and sent YESTERDAY, which showed a " signature '' to these documents. 
Yesterday they created a compliant " Application '' and " Acknowledgment '' and miss-used what XXXX XXXX, my agent stated was a " sample of your signature '' to ensure your distinctive signature is on file. 

What they added to these yesterday documents is a scrawl which is ONE/HALF centimeter tall, and 2.2 centimeters wide. 
Anyone who claims that tiny, illegible scrawl -- is my signed & dated signature approving and accepting those terms and documents is a liar. 

I am willing to swear under oath to the above, and I believe CFPB needs to get a perjury sworn statement from SF. 

This is hard evidence of using fraud and/or deception to obtain my funds. 
I have NO doubt they are and have done this to many people who trust XXXX XXXX XXXX XXXX.
In XX/XX/2016 I received a credit monitoring alert that I had a delinquent account. The account was XXXX bank showing a 30 day late. I had a credit balance and had a paper statement showing that. I contacted XXXX and was told that I had a credit balance and was not late. I asked them to send a check for the credit balance and to change the delinquent status with the bureaus. They said they would investigate and send me a written response. They did send a letter which stated they were reporting the account correctly. I filed a dispute with Transunion and received timely acknowledgement back from them. In XX/XX/XXXX I received another credit monitoring alert showing a 60 day late with XXXX Bank. On XX/XX/2016 I received a letter from Transunion with the final investigation details which show a current status on XXXX Bank. I thought the issue was behind me. Until XX/XX/XXXX when I received another credit monitoring alert showing a 30 day late with XXXX. I called and was told that I had a XXXX balance and that I was not late. I asked that the reporting issue be corrected and that I receive written verification of such. I have not heard from them. I had also asked that my account be closed. This has been an exhausting, time consuming and frustrating experience. My credit score has been affected which makes me very unhappy as I have never been late with a payment and maintained a high score. In reviewing the credit report that Transunion sent, XXXX Bank is showing XXXX accounts for me - I only have and have ever had XXXX account with XXXX. There is something very messed up between XXXX and the credit bureaus.
Hello, I make regular payments to my student loan. The loan was originally made through XXXX, but has since been bought by MOHELA. All payments I make to MOHELA, whether they are over the amount due or in advance of the due date, are applied to interest in their entirety. Not XXXX is applied to the outstanding principal balance. I have attached a statement for reference. 
Thank You
Equifax Mishandled my information, this puts ma and 143 million other people at a high risk. I was listed as a potential victim according to their equifaxsecurity2017.com website.
Lastly, Equifax did not notify anyone quickly enough. Over a month has passed since this breach and he just heard about it on XX/XX/XXXX.
This XXXX and XXXX account is not mines and has been deleted by XXXX. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX not mines. 

1. XXXX XX/XX/XXXX Open {$5900.00} 2. XXXX Other XX/XX/XXXX Closed XXXX Missed Payment {$1400.00} 3.XXXX Other XX/XX/XXXX Closed {$0.00} 4.XXXX XX/XX/XXXX Closed {$1000.00} This account is paid in full. 
XXXX XX/XX/XXXX Open - Current {$45000.00} These XXXX accounts are not mines.
Equifax will not release my credit report to companies that request it. I am trying to purchase a house and the following lenders are unable to access my Equifax Credit File : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I need this fixed immediately. 

I have no security freeze on my credit report as confirmed by Equifax when I call. I am also unable to access my credit report when using XXXX and I have never been able to access it using Annual Credit Report.
2009 I applied for financial aid through Sallie Mae and attended XXXX XXXX in XXXX Texas. Upon completing my diploma, i started paying my loans and had payments of XXXX $ a month which was doable. 2 years later, i applied for financial aid to attend more classes and went on deferment due to being in school. While on deferment, Sallie mae transfered all of my loan information over to Navient and it has been a nightmare every since. Navient continues to raise my payments without my knowledge, putting me on some fast track program where they raise your payments by XXXX $ a year for me to supposedly pay it off quicker which I explained to Navient that I can not afford to pay the amount they given me and that they were causing me to be late and continuously go into forebarance because I can not afford to pay the monthly payments.Mind you, these loans have been out for 10 years now and I owe more money to Navient then the original price of my loan with was XXXX $ and is now XXXX XXXX after paying on it. I feel trapped and like I will never be done paying this loan and going into debt when I do try to pay it. I just do not understand why they felt they could raise my payments to an amount I had no way to pay as if they were dooming me to fail by going delinquent.
On XX/XX/XXXX I requested via telephone that XXXX terminate my account effective XX/XX/XXXX due to a pending relocation. XXXX XXXX of Indiana did not terminate my account timely and has alleged a debt in the amount of {$120.00}. I have received communication from XXXX separate collection agencies, including Stellar Recovery, each of which I have been provided a copy of the contractor 's receipt confirming pickup of my equipment and termination date as well as an accounting of my XXXX account paid in full. I also requested each to cease & desist communication with me regarding the matter. Stellar Recovery knew, or should have known, that this account was in dispute and that a cease and desist order was on place at the time of their XX/XX/XXXX communication with me regarding this matter. Stellar Recovery is in violation of the harassment provisions of the Fair Debt Collection Practices act.
I am unaware of this account on my XXXX  and XXXX credit report. I do not know where this account comes from. I contacted the collection agency with no response. I want to see how to fix this problem as it is damaging my credit score.
I was charged by a third party without authorization. 
I disputed the amount but my credit card company still charged my for XXXX without any proof that I authorized the transaction. I spent hours on the phone with them but they are not giving me my money back
Debt collector never sent me any written correspondence but continually called me using a number in my own area code. These calls were performed by an automated dialer, and whenever I would pick up all I would hear is a beep and the call would disconnect.
When I called to speak with the company about the debt, they would only tell me a name but not what they wanted to speak with me about until I gave them my full address. When I refused to disclose personal information without knowledge of who he was, he hung up on me.
After I called back, I asked for proof of the debt and to not call me until I received it. I also asked that when they called back that they must call with a live person, not an automated system. After that call, I received 3 more calls from the company by their automated dialer.
I received the letter from them in regards to my debt today. It does not disclose anything other than the amount and creditor on the letter. It does not make any statement about my right to dispute within 30 days, or that if I do not respond within 30 days that I automatically accept the responsibility of the debt.
I have on multiple occasions disputed incorrect information as it pertains to XXXX XXXX to all 3 credit agencies. I have never been late on this account and they have not done proper investigations on this and are leaving the incorrect information on my report.
This account is showing on my credit report and I have asked for proof and not getting any where with the creditors or the bureaus
There is a hard inquiry on my Equifax credit report which was a result of a fraudulent inquiry and eventually a fraudulent account through  XXXX   XXXX   XXXX   ( AKA    XXXX   XXXX   ) .In huge part to the help from this very website  XXXX   XXXX   XXXX    XXXX   XXXX    deemed the account fraudulent and obviously the inquiry that resulted in that account to be  opened.Equifax, a fter many, many, many calls, faxes, letters etc removed the collection account but left the hard inquiry.How can this people be allowed to call themselves a Credit  Reporting Company when  they ALWAYS AND CONSISTENTLY commit such mistakes and still stick by them like they did their job??? are you kidding me? if you remove a fraudulent account does n't common sense dictate that the inquiry which resulted in that account to be open would be removed too??? Anyhow I guess common sense is not a requirement to work at Equifax so I contacted  XXXX   XXXX    XXXX   to request that they request for the inquiry to be removed, and they replied that they did and STILL EQUIFAX HAS NOT REMOVED IT!!!!!! I am going to include proof of all of this by attaching the documents supporti ng E V E R Y T H I N G I j ust stated!
Calling XXXX Times a DAY between XXXX and XXXX, for the last XXXX weeks. I am only XXXX weeks behind on the rest of my payment of just over {$70.00} ( I paid most of it on time but did n't have enough on hand to cover it all ) This is awful, distracting, I 'm unable to focus on my work and what 's worse is that it 's automated so it fills my voicemail with the same message!