WillisBack/dataset-financial-user-claim huggingface dataset:
This is my second complaint/dispute please see complaint # XXXX. 
Basically I was in negotations with XXXX regarding their proposed settlement. 
While negotations they were still reporting late payments to my credit report. Further I have disputed these several times. Experian shows late payments XXXX / XXXX / XX/XX/XXXX / XXXX / XXXX / XXXX 2016. Transunion shows late payments XXXX / XXXX / XX/XX/XXXX XXXX XXXX 2016. 
disputes XXXX file XXXX dtd XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX XXXX report XXXX XXXX XXXX/XXXX/2016 / report XXXX XXXX XXXX/XXXX/2016 / faxed XXXX/XXXX/2016 / mailed XXXX/XXXX/2016 / plus additionally XXXX others
After I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, The original servicer, USAA bank had already started transferring the servicing of the loan to XXXX  on XX/XX/XXXX. Once again trying to collect on a debt that they cancelled in XX/XX/XXXX. 

I am asking once again that their lien be removed because USAA has already collected over {$80000.00} from me in payments. I did not accelerate lien in any way. The servicer USAA canceled the debt before acting on the lien in XX/XX/XXXX generating revenue for me. They did not however release the lien. Now they are trying to seize my home with the lien by way of foreclosure, and simultaneously trying to collect the debt by transferring the loan to another servicer XXXX.
On XX/XX/XXXX an autoloan with State Farm bank was obtained fraudulently on my name for the amount of {$24000.00} for a used car XXXX XXXX XXXX XXXX XXXX. VIN : XXXX. I came to realize about this loan because of an invoice of XXXX Toll service with a picture of this vehicle I never had - this invoice was I received at my address. The auto-loanthough, was obtained with a different address, a place I never lived in before. 
On XX/XX/XXXX, I went to DMV and was able to obtain a Certified Title History of this vehicle. I realized then, this car was purchased on my name. I then called XXXX  credit Bureau to obtain a copy of my credit report. I confirmed this unpaid loan hurt my good credit history and created a fraud alert and requested a service for credit monitoring.I also filed a police report same day. I also disputed this loan and they confirmed it was deleted from my report. I also contacted State FarmBank and disputed this loan as well, I was in contact with an Investigator-State Farm Bank Financial Crimes, XXXX XXXX, phone XXXX. He sent me a Forgery Affidavit on  XX/XX/XXXX. I sent all documents requested including my Driver 's license and police report. I thought the problem was solved but then was told I had to file a dispute with all three credit bureaus and called XXXX  and XXXX  ; both came back with negative results about my dispute on the auto loan. The loan remains in my credit as of now XXXX, XXXX.
I need help working with Select Portfolio Servicing on my home mortgage. They advised me to not make payments to qualify for HAMP modification. Now, they have told me that I do not qualify for HAMP modification, and the home is in foreclosure. I only owe approx.. {$18000.00} on the home. Select Portfolio Servicing ordered an appraisal that values the home at {$67000.00}, 2 months ago. They have started foreclosure only since the appraisal was received, and they knew the equity was in the home. I have spoken with my local bank and they said the " ability to repay '' for my husband and me is within policy, according to the new XXXX XXXX requirements. We have fixed monthly income from Social Security and my husband 's pension. The only debts we have is our car loan and we recently paid off a small debt to " Whynotlease? '' We really feel they have advised us not to make payments until the review was completed. After the review was completed they said we did not qualify for a modification, and they began foreclosure. They realized there was equity in the home, and proceeded to foreclose for benefit of Select Portfolio Servicing. 
Please Help!! 
XXXX XXXX XXXX
I called XX/XX/2018 and asked about lowering my payment. It is XXXX. I asked them for another option that would reflect my income.
I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.
Visited XXXX XXXX on XX/XX/XXXX to obtain estimates on a new car lease. Spoke to a sales rep who said hes unable to give a monthly estimate without a credit check. After speaking with him and a supervisor, we agreed to a soft inquiry. I told both of them multiple times that I do not want a hard inquiry on my credit report. The supervisor said he understood and went back to his office to get eatimates. A few minutes after, I received an alert that theres been a hard inquiry. I called XXXX XXXX a week after to sort it out. One of the managers said he will send a letter to XXXX regarding them running my credit score by mistake.
XXXX XXXX, XXXX XXXX, synroncy bank and XXXX  on my XXXX and XXXX  delete, no written signatures.
I am a XXXX XXXX working to repay my XXXX school loans via the Public Service Loan Forgiveness program. My DOE loan servicer, XXXX, doe n ot process my income updates each year for the REPAYE, income based repayment, timely. As a result, I am placed in forebarence each year for months, which prevents me from making a monthly payment towards my 120 payments needed. I have always filed months ahead of time, and each year it takes them 100+ days to process my request.
Also I was mislead about
which type of plan I shoudl be on. I have never missed a payment, yet I was never told that the payments for the first 18 months did not contribute towards PSLF. Those payments were 5-10x higher than my current IBR payments. I should get credit for these higher payments I already made towards my loan.
Hillcrest Davidson & Associate brought an debt and change the original delinquency date of the account from the original lender.
I started getting medical bills from XXXX Florida medical center. Which i have never been to any sort of medical center in florida. So i called the number on the bill and tried to explain it has to be a mistake. They did not offer to help at all said that it was me and i need to pay the bill. So I contacted the Hospital directly and explained it could n't have been me i was working at my job in Indiana. So they were helpful and told me i needed to prove it some how to clear things up. So i had sent a Picture of my I.D as well as a signature to the hospital. I received a phone call stating that there was a mix up at the hospital someone with the same name and birthday as me was there but they lived in Florida. I stopped getting bills from the hospital. But as of today i received a bill from Transworld Systems for a XXXX medical bill. I will provide any documents needed to get this resolved for good! Just do not want my credit impacted over bills that are not mine. Thank you
I have an auto loan with Citizens Bank. I was late on two payments because of extreme hardship conditions. In my 14 year credit history, I have only these two late payments. In order for me to apply for apartments or loans to get a home, as I am a single mother of XXXX  young kids, I asked them to remove/change the items on my report as a Goodwill adjustment. I called XX/XX/XXXX, and they sent me the attached letter, stating they investigated the issue ( not what I asked ), and because it is correct they can not remove the items as a goodwill gesture ( which in the case they were incorrect, this would not be a goodwill gesture, rather the legal thing to do ). They claim this is per FCRA regulations. I called the Consumer Finance Customer Service Department XX/XX/XXXX, and the gentleman put me on hold to see what he could do, then told me they can not remove late payments per FCRA law. He also told me, as did the person I spoke with XX/XX/XXXX, there was no one in any other positions I could speak to about this issue, nor was there anywhere I could send a goodwill letter to. On Citizens Bank website there is a credit repair page that even advises consumers who wish to repair their credit to contact creditors and ask for goodwill adjustments and/or write them a letter. I was a single parent, pregnant, homeless, and in a hopeless situation that I never hope to be in again. Otherwise, and in the future, I pay all my bills on time, and do not see why they will not take the time to listen to me, work with me, or even give me an opportunity to mend my issue. I paid both months that were late, including the late fees. I feel like they are not being forthcoming by using the FCRA regulations as an excuse for poor customer service.
My vehicle was repossessed on XX/XX/2018. The loan was due for XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$300.00} payment. I did not receive a letter of acceleration nor did I receive a notice of intent after the vehicle was repossessed.
I called on XXXX/XXXX/15 to pay off a loan I received on line on XXXX/XXXX/15. I wanted to pay off the loan using an increase I received on the credit limit of a credit card. I was told the company does n't accept credit card payments above the amount of the monthly payment. When I asked where it states that in the contract, I was told it does n't. That 's just company policy. Had I been told this, I would have forgone the loan. I believe this is Inadequate loan disclosure. It 's unfair business practice to change a contract that is in writing, without written consent.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Collector contacted me during inappropriate business hours. I was contacted at XXXX XXXX which is a violation of my rights under the FDCPA Practices Act. When the collector was advised of the call time, he stated that because it was XXXX XXXX in his state, that he in fact had a right to contact me in California at XXXX XXXX
I received a letter from National Recovery Center , Inc stating that I own over {$28000.00}, It may be for a credit card. I do n't have credit cards for the last 15 years.
On XXXX/XXXX/2025 I send money thru western union ( online ) to recipient in XXXX XXXX XXXX, XXXX. I received SMS & email confirmation that money went thru and available to recipient on XXXX XXXX. But to this moment as i write nobody knows where the money is in XXXX or here! The MTCN XXXX also confirmed money is available but recipient was told by XXXX. in XXXX that there is no money!! I am sick & tired of this! It is indication of incompetence & very poor service! 

Thank You, XXXX
This company Midwest Recovery appeared on all three of my credit reports. I have never heard of XXXX XXXX they have them listed as the original creditor. I have written the company to validate this collection and have not received any response. This is not my account. I have never applied for a payday loan. I would like this removed from all 3 credit reports. The amount {$600.00}. They put this account on my credit on XX/XX/2017.
XXXX XXXX XXXX, account number XXXX is appearing on experian, XXXX and XXXX  credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with 3 small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX in the future XXXX
I do n't understand why each time I use the drive-thru service, the waiting time is greater than 20 minutes and longer. This happens even if I am the only one in line or not. I witnessed so many vehicles leave after waiting so long. Customer services is so poor. I push the button for service and have been told the line inside is too long and I have to wait. The wait is too long. Please help the customers in the drive-thru line with this on-going problem. Thank you.
On an annual basis MOHELA asks for renewal of  Income  based repayment information. For the last few years they do not send the request to my current address which I have lived at for four years. I have received statements at this address for the last four years but when they need the information ( and I did not catch on to this tacit until today  ),  it costs thousands of dollars. Why do they send me statements at my current address but when information needed for upcoming years is requested they send it to old addresses? Managers responded that addresses get lost in the system but if I receive statements then someone is deliberately sending critical information to old addresses. I just figured this out today and feel   XXXX   and now owe so much more than I ever intended.
Quickclickloans.com hired an attorney XXXX XXXX XXXX, address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX to sue me for a loan. I never received notification of being sued. It was not until I had my wages garnished, did I know of this lawsuit. Had to pay out of pocket fees to hire an attorney, get copies of lawsuit paperwork through the XXXX XXXX court, and found that they lied on the document submitted to the court that they had served the lawsuit paperwork to me. They court document indicated they had served me at my place of business ( the address they supposedly served the paperwork at was my parent 's old home address, which I never lived at ), the description of the woman they gave the documents to did not even come close to my appearance, and there was no signature of the person receiving the lawsuit paperwork. This attorney garnished my wages without proper notification of this lawsuit and I want this investigated. My attorney had XXXX XXXX XXXX stop this garnishment immediately after the findings of improper serving of lawsuit paperwork. Are you able to tell me further what my rights are? Is this something I can report to the Attorney 's General Office?
I have been trying for months to remove the PMI from my mortgage for a year. I filed a complaint with the CFPB against XXXX XXXX and just as I was close to a resolution they sold my mortgage to Chase and I began the whole PMI removal process again. I sent a written request to Chase to remove the PMI as I have met the requirements for removal. As described in my second letter to Chase requesting PMI removal dated XXXX/XXXX/16 I have met the LTV ratio requirement below XXXX % and have no outstanding or late payments. I feel as if Chase is taking advantage of their valued customers. It is appalling.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX, XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX
I am trying to remove a Dispute comment that I put on my account. The dispute is closed. I have been dealing with Equifax for weeks, and not only have they not taken off the dispute comments, but they have put the accounts in " Dispute status '' which is even worse. The other XXXX major credit reporting agencies took these dispute comments off immediately but I am not only getting the runaround with Equifax, but they are making it worse!
I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX
Equifax has repeatedly added a fraud alert to my account numerous times. I have asked them over and over not to add it because it has affected my bank account and my business transactions. They have added a fraud alert 4 separate times after I asked them to remove it. They first added an initial fraud alert. It was sent to all bureaus and my bank account was frozen. I called and removed it from all three. They went back and added a second one on XX/XX/XXXX. I called and removed it AGAIN and told them that I no longer wanted the fraud alert because my banking systems are being affected now. I got an alert on XX/XX/XXXX that a fraud alert had been added once again. I called all 3 to have it removed. I get a letter in the mail on XX/XX/XXXX stating that I asked for an Extended 7 year fraud alert and I DID NOT. Now my banking is frozen again. I called and removed it again on XX/XX/XXXX. I then get an alert from XXXX stating that Equifax added an initial alert again and did not add a number for any creditor to call me. Then they took additional steps to removed me from the promotional offers list by blocking my information. I repeatedly asked them not to do this as well. I was advised by XXXX and XXXX that Equifax is the one that continues to add the alert. XXXX even researched and saw that Equifax suppressed my information from promotional inquiries without my knowledge or approval. So now I am at 4 different initial alerts from just Equifax as well as an Extended alert that I did not authorize. This is my final request that Equifax stop playing games with my report as well as STOP ADDING INITIAL AND EXTENDED FRAUD ALERTS TO MY CREDIT REPORT. ADDITIONALLY I DO NOT WANT A FREEZE EITHER. This issue is greatly impacting my finances and banking history so remove the fraud alerts and add me back to the promotional offers list. I did not ask for my information to be suppressed from promotional offers because I need qualification for my home buying process. It feels that they keep adding them just to make things harder for me. I have to call each bureau and wait on hold for extensive amounts of time just to rectify an issue that I DID NOT ASK FOR. DO NOT ADD ANOTHER FRAUD ALERT, INITIAL OR EXTENDED, WITHOUT MY KNOWLEDGE. ADD ME BACK TO PROMOTIONAL INQUIRIES LIST AND DO NOT SUPPRESS MY INFORMATION FROM PROMOTIONAL OFFERS. If this continues, I will have no choice but to escalate to the Better Business Bureau and my Mississippi Attorney Generals office.
Equifax continues to illegally report a credit report item that is beyond the statue of limitations. 

XXXX XXXX XXXX XXXXEquifax continues to illegally re-age the account line. I 've contacted XXXX XXXX directly and received proof from the company that they are no longer reporting the account any credit bureau, yet Equifax refuses to delete the account.
I contacted Sears and they agreed to remove the inquiry dated XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX  was done in error. I did not authorize Sears/Citi cards to do a hard credit pull for a credit limit increase. I have attached the letter showing my credit was not pulled due to a FRAUD ALERT on my account.
I am an employee of XXXX XXXX University, which has contracted with XXXX XXXX ( a XXXX XXXX affiliate ) to administer its Health Savings Plans. At their direction I opened an XXXX account in late XXXX in order for XXXX XXXX to receive my payroll deduction and contribute its matching funds. That worked without incident until XXXX of XXXX, when my payroll deductions ( and employer matching funds ) began flowing into a new account which XXXX XXXX opened for me, without my knowledge. 

I did not discover this until checks I bounced checks for which there should have been sufficient funds. After several calls and email efforts, I was unable to resolve this with XXXX XXXX, so I contacted my employer. After several requests for assistance, they finally explained that this was a common problem with XXXX XXXX, and had affected many employees in XXXX. At that point, in informed my employer of the potential fraud associated with creating second accounts ( XXXX XXXX was the example ) and that I felt it was both her and my duty to report this to the CFPB ). My university representative secured a promise from XXXX XXXX to contact me within two working days. It is now the end of the third working day and I am reporting their actions to the CFPB. 

I have yet to have any success speaking with a representative of XXXX XXXXk. I am a sophisticated user of financial services, currently have accounts with at least three financial institutions and hold a XXXX. in an XXXX discipline. If I can not resolve this, who can?
I received XXXX notice saying a medical bill that I thought was sent to me in error was being sent to a collection company by the name of XXXX. Since then I set up a payment plan through my bank for monthly payments of {$50.00} ( total bill amount was approx. {$560.00} ) which began in XXXX of 2016. After XXXX rude and accusatory phone calls with the assigned rep ( XXXX ) I faxed over proof that I have been sending monthly payments totaling {$250.00}. After a conversation today via phone communication XXXX told me that she would n't let me make monthly payments unless SHE was the XXXX debiting my account number rather than me sending the payment via my XXXX Online Bill Pay. I explained that I did not feel comfortable with them having my personal account information nor did I intend to pay a processing charge. I was then informed that then they just would n't take monthly payments and that if I wanted to make a payment I should " just save up my money and call in the payment in full ''. I then asked for that to me sent to me in writing so that I could keep that for my records. I was then transferred to XXXX 's supervisor, XXXX who then became verbally combative. She said that it was up to her if they accepted payments and that she did n't need to give anything to me in writing. I feel like this is in violation of my rights as a consumer to be given a clear and legible document explaining the companies rules regarding payments. 

I am in no ways disputing the charge and have been doing everything in my power to pay the debt that I owe.
OCWEN is reporting me as having two late payments but records show that I have not been late for several years on my payments.
I have been waiting on a mortgage release now XX/XX/2015. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.