WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I was XXXX out of the United States. Before leaving I took the proper steps to suspend my account due to military XXXX with XXXX XXXX. I suspended the account on XX/XX/XXXX. On XX/XX/XXXX and once I was no longer in the states, XXXX reopened my account for another individual who moved into my old apartment. The customer service stated they had the right " because they knew my address '' which was an address I no longer lived in due to being XXXX. I feel this is a privacy violation and seems XXXX was very open to giving my account to another individual I do not know, and am concerned on what else they sent and gave them that could have possibly contained private information. Once the situation was brought to the company 's attention I was verbally told the amount would be credited to my account. On XX/XX/XXXX, I returned my router and equipment and had to talk to another individual at the XXXX XXXX, VA store on XXXX XXXX because the problem still was not resolved. She was extremely helpful and wrote down voucher numbers for each credit that was supposed to be on my account. I was charged {$120.00} along with {$93.00} and a large amount of late fees due to myself not knowing or paying the charges because I was no longer in the states. The late fees were dropped, and after the encounter at the store the {$120.00} was dropped and no longer held against me. I found out that once again XXXX had not cleared me of the {$93.00} which was disputed on XX/XX/XXXX for the third time. After which I was told once again the charges would be dropped. I also called each credit bureau to dispute the charges off of my credit. I noticed the charges were dropped off of my XXXX XXXX account as well. I moved to XXXX on military XXXX in XX/XX/XXXX. Now on XX/XX/XXXX I received a letter from a Debt Collector by the name of Southwest Credit stating that I still owe XXXX the {$93.00} that was disputed and closed two years ago. I have called the collector and am once again disputing the charges. While talking to the Debt Collector I was told that XXXX had opened the account with them on XX/XX/XXXX. I tried to upload documents to the website the Collector gave me in the letter but was blocked from doing so. I feel as if XXXX is extremely careless in how they handle accounts. My private information was not protected and my account was allowed to be opened under someone who I do not know and someone who could have possibly used my information in a negative way. I do not owe these charges and it is completely wrong for XXXX to keep harassing me for an amount I do not owe, and was closed two years prior after being repeatedly told that I would be credited.
I have asked to have my account pulled for {$150.00} a month no matter what my payment might be ( it is lower than that ). I have paid off XXXX loans and each time I pay off a loan they lower my payment amount and stop taking out the {$150.00} as instructed. I 'm so frustrated as I want to keep my payment amount the same so I can pay off my loans more quickly than required. They continue to lower the payment and then take 2-3 months to get it back to the {$150.00} as requested. I have to continue to request the amount to be changed each time I pay off a loan. Then when I pay on XXXX loan specifically, the payment is disbursed between all loans, instead of just on the one that I wanted the extra payment to go to. They are completely frustrating and seem to just want to drag out the loans as long as they can to make more interest, when I 'm trying to pay them off early.
Mortgagee has collected extra principal payments and placed them into a " suspense account ''. The amount they have is different then the information they provided in writing and different then the amount I show too. They sent me a sheet showing payments but not the payments to the suspense account. I really dont understand a lot of this and need some help with this.
I had cable service with XXXX ( XXXX ) in XXXX XXXX and moved to XXXX, XXXX. Prior to moving XXXX policy states that all invoices must be paid before having service anywhere else. Paid and established new service in XXXX XXXX. Checking credit report, I found that there was an alleged unpaid invoice with XXXX. Since I was in the process of purchasing a new home, XXXX ( another credit reporting company ) advised me of it. XXXX acted as a mediator and got XXXX and Diversified Consulting Inc - the collections company on the line. XXXX admits that there IS NO WAY THAT I CAN CURRENTLY HAVE OR START SERVICE WITH AN OUTSTANDING INVOICE. This was removed from my credit report with XXXX. The collection company - Diversified Consulting Inc. refuses to indicate as paid - even though current XXXX reps state I would not be able to start or have new service if I had an outstanding bill. This caused major problems when I was purchasing my new home. A conference call was made with XXXX as the mediator and XXXX Rep and Diversified Consulting Inc. Rep. XXXX readily admits that I could not start or have new service with an outstanding invoice. The Diversified Consulting REp is argumentive and refuses to listen to what the XXXX rep is telling him. Call is terminated due to getting no where with this representative and him refusing to get a supervisor on line. Diversified Consultant states it does not matter he makes the final decision
I don't understand why I can not decided how my money is disbursed among my loans I pay XXXX a month and the loan provider won't let me split it in a manner that is beneficial to me. The loan provider is splitting my money in a way that creates the highest interest for them instead of actually paying off my loan. I don't understand why they wont let me pay the loans off the way it would help me by paying off the interests that collects each month. I have to make additional payments to cover the interests because my loan provider refused to distribute my payments in way to cover the interests that collects each month and the principle. The loan provider is making it harder to pay off the original principle, when asked why I could not say XXXX goes to this loan and the other XXXX for the other loan the customer service representative told me I could not do it because I would pay off the loan faster!!!!! This makes no sense to me.
XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX mortgage. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to XXXX, who has a debt service contract with them. XXXX assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, XXXX transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred. 

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!
This account was open by someone that used my ID to open it. I filed a complaint with Equifax on the phone the first time last year. Then online and now in writing last month. Equifax sent me a letter telling me that they had verified that this item belongs to me. I call and asked how it was verified and was told " The bank told them it was mine '' It is not and I can not get the bank or Equifax to show me anything that profess that I opened or used this account. I do not think that the bank just telling Equifax that it belongs to me is verifying that it is mine.
My loan servicer is Ocwen. Since they bought me from XXXX, my life has been a living XXXX. They shined me on during the XXXX modification process, kept telling me they did n't have my Dodd Frank form that I sent them XXXX times, gave me a trial mod and had me make payments while all the while reporting me late to the credit bureaus, and then finally, illegally foreclosing on me while I was in a XXXX. I went to court, fought them off, and got a load mod. They made me do trial payments again, stalled for 8 or 9 months in getting me my new paperwork, but did reduce my payment to $ XXXX/month. They settled with this in house mod, and now, I am facing foreclosure again, because they lost a payment! There 's no winning with these folks! I have proof they not only got that payment but cashed it. And they have reported me late again to the credit reporting agencies XXXX times since the cashed payment went missing, which ties my hands from being able to refinance with anyone else. They made and end run around federal oversight in the XXXX place by stalling my Hope for Homeowners applications, then again with the in house modification. They made me waive my trial by jury rights, and sign a confidentiality agreement. And now, with this new fictitious lost payment, they already have committed mail fraud XXXX times by reporting me late for a payment they cashed ... ..why is no one going after these guys for XXXX violations? They were already found in collusion with XXXX for force placed homeowners insurance plans that were sold at inflated costs. 
And my {$1000.00} payment? 20 months later and right back up to {$1500.00}, because now I 'm being forced to keep XXXX my escrow costs in the escrow account. 
Do n't make a deal with them. You 'll end up in court again, as I am going to be soon. They have no intention of doing anything except steal from their clients as much as they can. 
Also, the new regulation they are supposed to assign you XXXX person as a point of contact in loss mitigation? Yeah, they do n't do that either. Yet they have XXXX of folks calling me XXXX a week for months to harass me. 
The only thing that their confidentiality clause did was keep me from talking under risk of immediate foreclosure. Guess what, illegally foreclosing on me again is n't likely to persuade me to not talk. I 'm in south carolina. My county has been suing them too, and winning. This company is a collusive criminal enterprise being sued and losing in multiple states. The federal government must step in and put a stop to this!
Several weeks ago I sent a request to have an alledged debt validated that is appearing on my credit reoorts. I have made several attempts for proof of debt but I have recieved nothing in written. I do believe ProCollect Inc is inaccurately reporting on my credit report and they are stalling. Here is the last response I have recieved on XX/XX/2017 '' The debt is updated as a disputed debt. The proof of debt has been sent to the consumer to validate the debt. ProCollect is licensed to collect in the State of Texas. The consumer can contact our office at toll free XXXX my extension is XXXX ( XXXX XXXX ) to get this matter resolved Thank you for your time and patience in this matter. '' I have yet to recieve another in writing. This is not the 1st time I have asked for proof of debt. By law this company is breaking several laws according to the FCRA.
Repeated phone calls to my personal phone number. Additionally, XXXX XXXX defaulted my loan when I had made a payment on the account. When I had requested that my loan be serviced due to errors made on the account, I was not communicated with they defaulted my loan.
I have paid off one loan with XXXX XXXX but on my credit report it still shows me owing over {$3300.00} on the loan and the account has not been updated in five months. Another load shows me owing over {$9000.00} when I actually owe less than {$4000.00}. I have contacted all three credit bureaus to try and address this issue with no result. I requested a loan satisfaction document from XXXX XXXX which I have never received. 
None of these agencies are responsive in any way. Instead of addressing your complaint they bombard you with emails for " credit protection services ''. I am now into my second month of trying to get this simple issue address and have made no progress so far. Since the consumer " does not own their credit '' the agencies that manage it should be responsible for reporting accurate information. This is definitely not the case. The government continues to let banks write laws governing their own behavior with no consideration on how it will impact the consumer. I guess if I could buy as many senators and congressmen as XXXX XXXX I wouldn't be having this problem! 
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I requested that Transunion validate the bankruptcy this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. I was told by the U.S. bankruptcy court that they do not give information to credit bureaus.
I would like to dispute some incorrect information found on my credit history from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX regarding some type of monthly payments made to Chase on an unknown account # XXXX this account never belonged to me and would like to have this information removed/deleted please call me at XXXX or email me at XXXXXXXXXXXX, asap thanks.
So tonight ( XX/XX/2019 ) I applied for a credit card with Synchrony Bank ( also shown as XXXX   XXXX XXXX  / SYNCB ) in conjunction with the merchant XXXX ( XXXX ). 

The reason for applying was that they offered free financing for 6 months and you could complete checkout upon approval. I was approved, but on the application page where it said I was approved, there was no temporary number listed to use. 

I called Synchrony Bank ( XXXX ) immediately. I was told by both the initial customer service agent and her supervisor ( XXXX ) that this not a service they offer and they would never give a temporary account number. They said it must have been a " glitch '' on their website and I'd have to wait 7-10 days for my card. The issue with that is I am on a time crunch and need the product before I could conceivably get it if I waited on the card. So the card is essentially useless now. 

I asked them to just cancel the card or application since I didn't need it anymore, and they said they couldn't stop the application and I'd have to call back in a few days to cancel the card. Considering that the hard pull/account age will negatively impact my credit score moving forward, and the only reason I applied was based on misinformation, I feel as though I should have a means to get this account removed from my credit history.
On XXXX/16 we leased a vehicle, the terms of the lease states we will have 27 payments on the vehicle, and in the payments {$1100.00} worth of taxes are included into the payments. Line 13 on the GM Financial lease agreement states OFFICIAL FEES AND TAXES : The total amount you will pay for official and license fees, registration, title, and TAXES over the term of the lease, weather included in your scheduled payments or assessed otherwise is {$1100.00}. The total fees and taxes you pay might be different than this based on charges in the tax rates and the value of the vehicle when the fee or tax is determined. 
BUT the lease does NOT state the lessee would be required to pay Personal Property TAX. The ONLY mention of TAXES are the {$1100.00}, which are included into the lease payments. The Beginning of this year, I got a bill on line that stated I owe {$940.00} for Personal Property Tax. The ONLY taxes specified in Dollar amount and clear is that the {$110.00} for taxes that are INCLUDED in my payment. 
According to the Consumer Financial Protection bureau 's website, Section 1013.4 in the Contents of Disclosures : Part 4 ( C ) Payment schedule and total amount of periodic payments, the section 1 PERIODIC PAYMENTS.The phrase number, amount, and due dates or periods of payments requires the disclosure of all payments that are made at regular or irregular intervals and generally derived from rent, capitalized or amortized amounts such as depreciation, and other amounts that are collected by the lessor at the same interval ( s ), including, for example, TAXES, maintenance, and insurance charges. Other periodic payments may, but need not, be disclosed under 1013.4.

In Section 1014.4 ( N ) part 3 A tax payable by the lessor that is passed on to the consumer and is reflected in the lease documentation MUDST be disclosed under 1013.4 ( N ). A tax payable by the lessor and absorbed as a cost of doing business need not be disclosed.
I have several queries from the same provider ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX NJ XXXX ) for the following dates : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, on my TransUnion and XXXX accounts. Please delete these queries immediately.
XX/XX/2018 i sent request for validation and method of verification to Experian XXXX XXXX  XXXX, XXXX, TX, XXXX to dispute a Bankruptcy on my credit report and Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. i sent 3 letters with all different violations Experian has been in violation of i have not received information or original documents from verification process. Also the courts said they don't verify information with 3rd parties after i wrote them but experian still find ways to say they verified this information quickly through 3rd parties.
I am in active chapter XXXX bankruptcy. Bayview refuses to provide any information about my loan ( distribution of funds, current balance, payoff amount ). <P/>I have several prospective buyers for my house, but can not discuss offers without knowing the payoff amount. Bayview said they will only provide that information to my attorney. <P/>My attorney sent a request to Bayview last week, but to date there has been no response. <P/>I am concerned that I may lose a prospective sale due to Bayview 's lackadaisical attitude and notoriously terrible customer service. I am trying to sell my house so I wo n't have to deal with this useless company ever again.
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Here are some of the list i came across and any other more than 30 days old ... 
XXXX/XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
XX/XX/2017 I 'm hoping somebody can please point me in the right direction regarding a problem I 'm having with Great Lakes Higher Education and XXXX. I had federal student loans that were being collected by Great Lakes Higher Education ; I could not afford to pay them at the time because I became homeless. I defaulted on my loans. In XXXX of XXXX, I spoke with XXXX and agreed to a XXXX month rehab program with XXXX for my defaulted federal student loans. XXXX. is located at PXXXX, XXXX, CA, XXXX. XXXX telephone number is XXXX. Great Lakes Higher Education is located at XXXX, XXXX, WI XXXX. Great Lakes Higher Education phone number is XXXX after making my ninth payment XX/XX/<YYYY> XXXX, XXXX, I realized that my loans should have been sold to or bought by another lender by now. I called XXXX. The collection agent on the phone verified that I 've, in fact, made all of my payments on time per the agreement. She puts me on hold and then tells me I must talk to a loan specialist and one will return my call within XXXX hours. XXXX hours comes and goes and no answer. 
I have been nothing but polite and cooperative during this process as I know how lucky I am to have been in a position to rehabilitate my loans. But now what? Nobody will return my calls. I have to make my payments. I want to make my payments. I will continue making my payments but I also want XXXX to honor the contract to which we agreed. Also, I called Great Lakes Higher Education and the customer service representative XXXX ( who refuses to give me her last name ) keeps telling me they need to find a new lender to service my loan. My loan remains in Collections with XXXX and I will end up paying more collection fees. This is pure evil and I 'm pretty sure Great Lakes Higher Education and XXXX are doing this to many Americans and it needs to stop. They should be held responsible for their dirty business tactics. 
Sincerely, XXXX
XXXX my previous note holder sold my loan to Nationstar, and i had to call the Nationstar to let me know how to pay online or any other way to pay. The gentleman talk to me and asked me, if I wanted to pay over the phone. He did not inform me of any charges if I did so paid that date when I spoke to him. I received my second statement and found a charge of XXXX dollars under fees and charges. I called Nationstar and they informed me that it was for wire transfer when I paid. I think that was unfair.