WillisBack/dataset-financial-user-claim huggingface dataset:
CCP called today looking for my XXXX y o son, they want his phone number, it is not my debt, i have told them this, they keep calling, have told them before not to call me, i told them they can find his number the same as they found mine they ph no. is XXXX, i have also told them to quit harassing me
My name is XXXX XXXX and I am having an problem trying get information from two of the credit reporting agencies and am hoping your company can lend assistance. XXXX and Experian are reporting a bankruptcy on my credit file though they will not provide me information that allows me to confirm. The XXXX Court systems stated they would not supply me or any third party information and when I accessed public records the only items I can locate are about a speeding violation. I am asking once again what information they have and how they obtained the so called information. If they are reporting something they should be able to validate the information. If I am unable to obtain it then how are they? 

I have attached the document showing what can be found and one of those XXXX XXXX is not me.
I am owner of business called XXXX XXXX  I moved this business 6 months ago and have been desperately trying to have our address corrected. I call Experian business 3 times at XXXX and was told all 3 times all I have to do is get a copy of said business report from them for a fee and then log into report after all personal information has been verified and correct it. I also did that 3 times as there is a place there to update new address. I have now gotten 3 emails saying they have closed the case and not updated the new address. We are trying to get a bank loan and can not do so until our new address is updated so after I paid {$55.00} for another report as instructed, I still do not have this corrected. This report was purchased from Experian business at XXXX as instructed Old Address XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  Attn XXXX XXXX New Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Attn XXXX XXXX Please correct this asap
I am a trans* person who had a credit card with BofA. My BofA checking/savings ( c/s ) acccount had overdraft protection on it, linked to this card. I had my name and gender legally changed prior to a move in early 2014 and I closed my BofA ( c/s ) account shortly after moving to the new address. I then zeroed out my credit card ( cc ) by paying it down in XXXX lump sum, then cut it up. I opened another c/s account at a credit union before closing my BofA c/s account. 
A few months later, I get a forwarded letter from my old address from the BofA cc account and it has accrued late charges totaling something like XXXX dollars. I called them to ask what the charges were for and they would not speak to me because I told them my legal name, despite telling them that I have a legal document that would prove my identity. Not only that, the c/s account was grandfathered and referred to me by a nickname, not my birth name, so there was yet another name in the mix. I then tried the website to see if I could bring up the account, but did not ever set up online account access with them and could not now do so without falsifying information. 
I wrote a message from within the website help and they told me that I would have to call. I called again, only to be told that I am not the account holder, so I may not access the account. Two years later, I can not open a bank account now, thanks to this outstanding debt. I called BofA again last week and they told me that it is out of their hands because they already sold the debt to a collection agency and settlement is not possible, even though they are now willing to admit that I am the original account holder. 
I do n't believe that this debt is justified in the first place, since it is, according to BofA, stemming from an overdraft protection service charge. That 's what? {$10.00} - XXXX a month? And they informed me that the debt sold was over {$600.00}. 
I believe that BofA should allow me to settle for the original debt of {$10.00} - XXXX as my original creditor and waive the insane fees they tacked on. I tried to close everything properly, but perhaps should have closed the account before changing my name. The hard part is that I would n't have been able to open a new account until the name and gender change process was complete and I would have been without direct deposit, checks, debit, PayPal, and credit until I had my official papers in-hand. Even so, my paperwork from my grandfathered account from the BofA in Texas, that has a nickname instead of my then-legal name, would have made the process difficult, as it would have required someone who is American* or knows about American nicknames to think. 

*I say American, because people from XXXX are more likely to understand that nicknames like " XXXX '' are derived from " XXXX '' or " XXXX '' or " XXXX '' from " XXXX '' or even more obscure nicknames that are given to children by their parents and stick, like " XXXX '' instead of " XXXX XXXX ''
Equifax and XXXX  credit services are reporting different account histories. XXXX  is reporting from XX/XX/XXXX to current, while Equifax is reporting back to XX/XX/XXXX with alot of undetermined payments statuses. Equifax is also reporting more than 150 day late from XX/XX/XXXX to XX/XX/XXXX, while XXXX  is less days late. Equifax said XXXX must send them corrections. I shouldn't have 7 years on my record and they records should match. This is negatively affecting my credit score and impacting my daily life/livelihood.
I applied for a mortgage modification on  XX/XX/XXXX , and was denied on  XX/XX/XXXX . I was told via phone by   XXXX   XXXX   XXXX  , a home assistance representative from M & T bank,  XXXX , that I was denied because my debt to income ratio was over {$2000.00}. The banks decision was not based on the completed budget sheet that is required in order to have a completed mortgage modification application. Moreover, I was told that even though my budget showed that my income could meet the monthly mortgage payment, the standardized, according to   XXXX   deduction, stated by   XXXX   XXXX   XXXX  , was used to make the denial decision. In addition, I was approved for a loan modification  XX/XX/XXXX , which was based on {$2100.00}, which I was approved for a modification. The modification was based on an income of {$3000.00} which I was not receiving at the time. Currently, I had a decrease in income of {$800.00} dollars. This is why I am asking to M & T to modify my mortgage for a second time.
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I wrote to the mortgage company to request that my mortgage be subsidized and if the lender could make use of the PMI for the money loss as a result of the missed monthly payments that have not been applied to my account. Additionally, I asked that the mortgage refinance and write down my mortgage so that I can stay in my home.
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I currently have a foreclosure mediation date scheduled for  XX/XX/XXXX  and hope tht this complaint is resolved before that date. In addition, my source of income is Social Security  XXXX , which is my primary reason for the change I am requesting.
i suddenly see my account overdraft ... i got charges for overdraft. they returned payment for XXXX charges. i had no idea what happened and i received no notice of whats going to happen or why. only aftger calling and being told that they can not help me and i can be transfered to a manager after holding for almost an hour. i was told to leave a message and a manager will call me back within XXXX to XXXX hours. I have still not gotten that phone call back. 
i then received a letter in the mail stating that a check that was deposited into my account in XX/XX/XXXX! XX/XX/XXXX!!!!! was now in XX/XX/XXXX!!! claimed by someone else ... what a joke??????? i have still not received my money back! i want them to credit my account for all the money and fees that resulted in and they send a letter to my insurance company explaining that i was not at fault for the returned items!!! i need to be compensated for this!!!
My mortgage was sold to Nation Star Mortgage servicing by XXXX XXXX XXXX ( XXXX ) After the mandated settlement with th US XXXX, Bank XXXX sold my loan. I have no chance of negotiating with XXXX XXXX XXXX - directly. XXXX purposely removed itself of responsibility once it settled because - the settlement did not require that XXXX keep the troubled mortgages -- THIS IS CALLED A LOOPHOLE. all the while hopeful homeowners were waiting for stipulations from the multi milllion dollar, XXXX sold our loans.Therefore once again finding a loophole to beat the system and not pay money back of help the consumerI have been trying to negotiate a reasonable mortgage payment since 2009.I have never accomplised the goel. 
XXXX bought my loan from XXXX in 2009. Realistically XXXX will never negotiate my mortgage because Bank XXXX XXXX in New York is true owner of my loan and multiple investors. Instead XXXX continues to lie year after year. 
This information is sent to XXXX credit reporting agencies and my credit score is very, very low. You see, I stopped paying the mortgage about 4 years ago because fo financial hardship. The payment that XXXX offered me as more than I was paying before I stopped paying them. 

Recently, I have rec 'd a letter from XXXX of Nation Star 's group of lawyersthreatening FORECLOSURE now.
After carefully reviewing my credit report, I noticed that there were two credit inquiries on my report that I have know knowledge of. These inquiries are on my credit report and are not at all mine. I ask that you review these inquiries and have them removed from my report. If you cant show proof that these inquiries belong to me then I demand that they are removed. The inquiries are : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
I sent three letters to XXXX XXXX, Equifax, to verify the information on my credit report but they never sent me any verification I need to know how are they Verifying this information?
Hello, In XX/XX/XXXX I contacted XXXX XXXX XXXX to tell them they are reporting my installment contract incorrectly and it is showing on all 3 credit bureaus as a mortgage. I have been turned down several times for an FHA first time buyers home loan because of this. I bought a trailer from Vanderbilt on an installment contract. This was not a mortgage, it was an installment contract - no land was involved, nowhere on the contract does it say mortgage, I did n't sign a mortgage, there is no mortgage recorded in the public records and the trailer is on a rented lot in a trailer park with the wheels and axles still on it. I voluntarily surrendered the trailer in XX/XX/XXXX. Per my request, Vanderbilt sent me a Letter on dated XX/XX/XXXX stating this was not a mortgage foreclosure but it is still reporting on all 3 credit bureaus as a mortgage, preventing me from buying a house. I 'm not sure what to do. I have been paying for services from XXXX for about 6 months trying to get my credit score up and now it was all for nothing because I have been turned down by several lenders because of Vanderbilt and now those hard inquiries have dropped my score from a XXXX to a XXXX. Please let me know if you can get this account to report as an installment agreement instead of a mortgage. 

Thank you so much! 
XXXX XXXX
I am a longtime XXXX customer, who drove off with a new, leased car in XX/XX/XXXX, and who continues to make my monthly {$460.00} payments to XXXX XXXX XXXX XXXX. But my credit report shows nothing about my lease payments from XXXX - present!! I realized this as I got weird information from XXXX XXXX, XXXX, NJ salespeople. XXXX XXXX kept calling me stating they want to give me a new deal. But one salesman said I was not paying my car note! Another said, my bankruptcy will make it impossible for me alone to get another XXXX ; said I needed my mom to be a co-signor. This was all said despite, me getting XXXX   before, with lousy credit, and despite me getting my mom to also get new cars from XXXX XXXX. So I skeptically got my credit reports from all 3 credit bureaus, only to see that XXXX reports my old stuff, but not my most current stuff! I called XXXX XXXX and got a representative who stated they did not report this new activity, because of my bankruptcy. ( XXXX is not part of that bankruptcy ). I forwarded an e-mail from my bankruptcy lawyer. It stated what I did : XXXX is not part of my bankruptcy plan. XXXX is a creditor paid outside of that plan, and thus, may lease/sell me another vehicle. 


XXXX claims the car is due back, in XX/XX/XXXX. ( It should have been turned in, XX/XX/XXXX ). But I got such weird, false information from car dealers, I did not take any new deals. But now, as I get closer to XXXX, I want XXXX to report my TRUE, new information! My bankruptcy is clear to the world. But my new lease agreement with XXXX is secret! ( Thank XXXX, I paid everything electronically, though my XXXX XXXX XXXX bill pay service. That allows a record, but only my OWN, not XXXX 's ). I deserve to have not only XXXX, but any other car dealer, rightly see my excellent credit with XXXX, as I seek to enter a new lease/car-buying deal!
I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AND   XXXX   XXXX   XXXX   ) THE CREDIT BUREAUS GAVE ME NO VERIFYING PROOF. THESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY  NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  O F 2015.
On XXXX XXXX XXXX I decided to take a loss mitigation option provided to me by my mortgage lender Ditech. I applied for a short sale on my home. I then called every week to see how the process was going and was told by numerous reps that my application was in process and even received a letter saying so. In the first week of XXXX I called up and was told that my application was incomplete. I asked why everyone else told me it was in process and the rep had no answer for me. I then decided that because I had not received any interest or offers on my property that I would file an application for a deed in lieu at the end of XXXX. I called up Ditech spoke with a representative that told me all I had to do on my application was say that I wanted to vacate the property instead of sell. I did this and got my most recent pay information and resubmitted the application. I called every week for a month again and was then told at the end of XXXX that no one ever received my application, even though for the last month 4 different reps told me that I was in process. Furious, I asked what happened and was told that they never closed out my short sale app and that the other reps should ve done that. I re applied again for a deed in lieu in the beginning of XXXX. Again I was told for a month and a half that I was in process and then I began getting calls about flex loan modifications for my mortgage. I denied this option every time I was called but I nothing something was not right. On XXXX XXXX I spoke with a rep named XXXX and he advised me that my application for deed in lieu had not been reviewed because no one removed the flex loan modification so I could not even be considered for a deed in lieu. Finally he took down the flex loan modification and I re applied for a deed in lieu again. At the end of XXXX I was assigned a new account rep by the name of XXXX. She assured me that the application had been loaded into the system and was being reviewed. On XXXX XXXX I called and spoke with a rep named XXXX and she had told me that I never applied for loss mitigation assistance and that my app was n't in process and that XXXX was n't even in the loss mitigtion department. She reviewed my application and said it was incomplete again. Every time I talk to someone they tell me something different to do. No one ever tells me the truth and know I am headed towards foreclosure. Today I am applying for a deed in lieu for the fifth time. I have had it. Please help me.
I received a Care Credit loan from my Dentist in XX/XX/2013. The loan and applicable terms were conveyed to me by the dental office XXXX and were not adequately explained to me. 

I did not understand that XXXX months later my principal balance was going to balloon by more than double due to accrued interest. 

I believe I have been a victim of the exact same deceptive credit tactics that resulted in the CFPB ordering a refund of up to {$34.00} XXXX to consumers who were affected by this. 

I attempted to call Care Credit and explain to them that I was a victim of these deceptive tactics and they were completely non-receptive. I am hoping to simply resolve this and pay off the balance so I can terminate the account. 

In addition to the deceptive tactics with the accrued interest, the company makes it virtually impossible to monitor my account and see what is going on in statements from month to month. I can not access my account online due to " errors '' on their website, and each time I attempt to call I have to wait approximately XXXX - XXXX minutes to speak with someone. In the instances I have been able to wait to reach someone, they are combative and not helpful and will not even tell me basic information like my account number so I can log in and pay more of the balance off of the loan to reduce interest payments. 

Everything about this company and their attitude towards customers is predatory and fraudulent.
My loan company, AES, claims they are unable to apply any loan over-payment to my highest interest rate loan unless I send them a letter every month with a check telling them specifically which loan to apply it to. I have already mailed them a letter stating that I wanted over-payment to the higher rate loan, but they declined it because I have consolidated loans. I have XXXX separate consolidated loans, XXXX with almost 6 % interest and XXXX with around 2.5 % interest. It does n't make sense that they ca n't apply it to the higher rate loan.
Wanted to buy a XXXX puppy. Found one from XXXX and contacted through e-mail. Price was good and they would include shipping. Dog XXXX, shipping XXXX. We agreed. They wanted money sent by XXXX, we did. Then XXXX contacted us and said we had to pay insurance for air flight of XXXX. This was not mentioned during the transaction for the XXXX because they were to pay shipping. They would not ship unless we paid the money and said if we did not pay the money the dog would be put in quarantine for nine months and we would be turned over for pet abuse. They wanted the money paid per XXXX. XXXX even called me at home twice coaxing me to pay the money ASAP and once the dog was delivered I would get my money back. I told them I did not have this extra money and could not send it. They kept calling and e-mailing telling me I had to pay this. I offered to pay by visa, check, or money order and they would not accept this. They only wanted XXXX. I looked up XXXX on internet and it showed this website originated in XXXX. So I would not pay. Later I went back to the website and it was taken down. I tried to get XXXX to send me a refund but they would not respond. Completely ignored my requests.
There are 2 inquiries on my credit report XX/XX/XXXX and XX/XX/XXXX from XXXX on my Experian credit report. I would like 1 removed as I only authorized 1 pull.
On XX/XX/XXXX, my home at XXXX VA.was officially closed ( Acct # XXXX old loan number, Va loan, XXXX XXXX , .-XXXX new loan number, FHA, Freedom Mortgage. Freedom Mortgage did a FHA refinance, but since I am a XXXX Honorably Discharged XXXX, I should recieved a Va refinance. I brought XXXX back on XXXX XXXX ( Va loan ) I want a refund from Freedom Mortgage ( FHA over pay ) from XXXX toXX/XX/XXXX for the FHA loan. I am XXXX years old, a senior citizen, and I feel that I was taken advantage of. 
On XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX Sales and Marketing Representative, Phone number XXXX, I had my new home home, XXXX XXXX XXXX XXXX, I had my new home constructed by this company. I was told by XXXX XXXX that based on my debt to income ratio, I had to rent XXXX in order to purchase XXXX XXXX XXXX XXXX. According to my checking account on XX/XX/XXXX I had, {$34000.00} in my checking account, so my finance statement was not a problem, and I was able to buy a {$240000.00} new home, from, XXXX XXXX. According to XXXX XXXX XXXX XXXX, a finance consultant with, Low Va Rates, Va Mortgage Experts- phone number XXXX, XXXX XXXX XXXX said if anything, I should have been told to do a short sale of XXXX But with about {$23000.00} in repairs and upkeep, and evictions since XX/XX/XXXX, selling sounds lick a better ideal. By the I want a {$23000.00} refund as well.
Equifax is not offering the identity theft protection for minors, this is n't right. 

This complaint is regarding the recently revealed Equifax data breach. In response Equifax is advertising " We are also offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. ". I went to https : //www.equifaxsecurity2017.com/ and entered last names and last 6 digits of social for myself, wife, and 3 kids, the instruction came back and requested to enroll at a later date. I came back on the date stated and enrolled my wife and I but was gated from enrolling my kids, stating the person had to be older than 18 years old. This is n't right, the kids data is apparently on the sight, and the offer was to all US consumers, but the kids are not included. 
I called the Equifax call center number XXXX on XXXX XXXX, 2107, was offered no useful assistance, and was not provided with any type of contact information to appeal the issue farther up the chain of command. I was told I could " XXXX '' the contact info.
I intended to sign up for a bank account with M & T Bank and all online materials indicated that all I needed to do was make a deposit from my debit card from another account. Once I did this, I was informed that they needed much more information. I asked to be refunded the money. They refused and replied that they could not release the funds without account verification. I replied that I did not want an account and they had no trouble taking my money therefore it should not be any trouble to return it to the card from which it was deposited. They will not give me my money back and are not assessing service charges monthly to systematically steal my money. My money is being held hostage by them. They took my money under false pretenses and now refuse to return it.
i filed a dispute with equifax to remove my unauthorized inquiries, was told contect the creditor. This was credity inquiries i did not authorize and want them removed.
I understand that I owe money to university of XXXX. But unfortunately the past fees years have been very difficult for myself. I barely at times have enough money to pay bill 's let alone try to pay off debts. I have filed before on this matter of being threatened of being arrested to harassing phone calls to my XXXX year old father. They call five times or more. Never answwer when picked up or hang up when I answer. Now I 'm in a position that I have no work or income coming in. Yes I want this matter resolved but trying to find a job where I live is hard and being sick makes it worse. I have filed bankruptcy once and feel I my not have a choice now But to do it again. They refuse to send me any kind of document regarding this matter and have asked them to stop calling due to the fact I do not have a phone and the number that are calling is a friends phone. He is constantly having to stop at work and answer the calls. He has told them to stop and they refuse to do so.