WillisBack/dataset-financial-user-claim huggingface dataset:
This is the XXXX time I am contacting the CFPB in an effort to assist with my short sale. I have ha an active office into Chase since the end of XX/XX/XXXX. It is now the beginning of XX/XX/XXXX. 
Over the last five months my husband and I have provided every piece of information requested promptly and have attempted to help this process move along. 
As of XXXX we had not received any update from Chase for close to two months, at which time we submitted a CFPB complaint. XXXX XXXX from their Executive Office contacted me within two days. After some back and forth she advised me our file was " lost '' within underwriting and it had stalled their for 30 unnecessary days. She assured me the file had now moved on to the next step and she would assist us throughout the remainder of our process. 
At this time, I have left XXXX messages for XXXX, none have been returned. The last time we spoke was toward the end of XX/XX/XXXX. I called the Executive line and attempted to speak with anyone, but I was told only XXXX could assist me. The gentlemen I spoke with said he would email her and CC her manager with a request to call me back ... That was the beginning of XXXX. No word from XXXX. 
My file moved to a negotiator, XXXX XXXX, XXXX XXXX. On XXXX XXXX he spoke with my realtor advising we needed a new evaluation on the property. This have been completed but now XXXX is advising that our file has been pulled into some mysterious internal audit. He is very cryptic stating he does not know what the audit is for, why it was pulled and that he nor his manager can speed it along. I have spoken to XXXX XXXX times within the last ten days, each time he states he expects the file that day. 
My husband and I did not make the decision to short sale lightly. It was with a heavy heart that we realized we could not maintain the home or provided the needed repairs due to it 's age. We wanted to do the right thing my completing a short sale versus just foreclosing. However, Chase is prolonging this process at every turn and almost seemingly forcing us into foreclosure after months of negative credit reporting due to their poor internal processes. 
My husband and I have been maintaining utilities on this property and general maintenance since we moved in XXXX. With it now being XXXX, this is becoming a large financial and emotional burden on our family. 
All I am asking for is your assistance in finalizing this short sale process. I have called every number available to me and get no where. Again, please acknowledge that even the individual assigned to assist me in the Executive Office has failed to maintain contact. 
Please, any assistance you can provide in finalizing this process once and for all would be welcome. I am fearful this buyer will walk if the process goes on much longer.
I recently received a copy of my XXXX, XXXX  and Transunion credit reports. Each credit report shows more than 10 inquiries ( 22 from XXXX, 12 with XXXX and 14 with Transunion ) that I do not recall authorizing. I understand that creditors or lending institutions are not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my XXXX  credit file. XXXX and Transunion is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on XXXX  or Transunion. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on XXXX  : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on Transunion : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.
I signed up for XXXX XXXX in 2006, and I was told that I needed more money than the {$4000.00} federal loan I was eligible for. XXXX told me that I needed to get a plus loan, but I was unable to do so due to being XXXX years old at the time and considered a dependent, and neither of my parents were able to sign on the loan. XXXX told me that they would cosign on the loan, and they then enrolled me in courses. I went to 2 classes and then was unable to continue going, so I withdrew from classes, and was told everything was taken care of. I found out a couple of years later that XXXX did not withdrawal me as they said, and took the full amount of loans for that semester. I received a call from XXXX XXXX, who was the servicer at the time, and they told me that my deferment was up and I had to start repaying my loans. I was very confused by this since I had been told I was withdrawn, and all funds were cancelled due to not being enrolled for even a full week. I attempted to explain this to XXXX XXXX, but they refused to listen and bullied me into making payments that I could not afford as I was a full time student at XXXX XXXX XXXX, XXXX XXXX by that time. I made a few payments until I decided I should not be being forced to pay back a loan that was disbursed under fraudulent means. Now, Navient is the servicer for this loan, and I am being consistently charged interest and is showing up as a {$13000.00} debt, when the original amount was for {$3800.00}. I have been attempting to fight this with both Navient and the credit bureaus without success. Another interesting fact is that this loan is not showing up on my FSA loan list, even though on my credit it is showing as a student loan. Frustratingly, I was young and stupid and did not properly hold on to all of my documentation, and everything that I had has been lost in the multiple moves I have made over the last 11 years. Now I have seen that there is a Class Action lawsuit against Navient and I found information on how to report a dispute to you. <P/>Thank you very much for your time.
GC Services left messages on my answering machine stating my name and that it was in regards to a debt. I shared my cell phone with my roommates and the voice mail does not state that it belongs to me. The debt collector is also calling my cell phone without my permission.
A person by the name of XXXX keeps calling me at work every single day numerous times. 

Being very rude even when I told him to stop calling me at work and that I Can not get personal calls during business hours. 

He is very rude to my coworkers when they answer, and he said he did not care I am not allowed to get personal calls at work that he will keep calling. 

This debt is under a Debt Settlement Program and we are already working on this, but he keeps calling non stop.
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX /   16  This inquiry was performed under false pretenses as described in the clear language of th e law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
I was told  by NACA Housing Counselling Agency to file  this complaint a gainst Ocwen Loan Servicing , LP for denial  of loan modification ( RMA ) package sent  XXXX   XXXX ,  XXXX . The initial loan modification was prepared by  Ocwen  in  XXXX  of  XXXX  with additio nal   RMA p ackages sent again in  XXXX  and  XXXX  of  XXXX .      Ocwen has refused to modify my loan that is predatory with a interest rate of nearly ( 12 ) % . I do not know if the balance is principal or interest. Last  XXXX  of  XXXX   NACA  sent  Ocwen a loan modification for an affordable monthly payment between {$500.00} to 600. They kept asking me for the same paperwork over and over   again. Come to find out after a month or so they were talking about another co-borrower on the loan who was never involved in the loan other then the origination of loan.     The loan modification was sent over several more times but was told by  Ocwen that my stepfather had to sign loan modification papers in order to get the loan modification. I informed them he had been estranged nearly ( 20 ) years. Ocwen never did anything to resolve the problem and requested I get a Quick Claim Deed re moving from the loan and off of the title.     While I was in the throws of the loan modification , Ocwen attorneys   XXXX   XXXX   XXXX  continued to schedule auction sales in  XXXX ,  XXXX  and  XXXX  of  XXXX  on my property which  shouldnt have been allowed. Because of Ocwens negligence in not complying with the National Settlement lawsuit.      A law firm did a search and found out were he lived and contacted him about the loan modification. He is elderly  XXXX   years old  and on a fixed income and can not afford any monthly payments on a small retirement income.     I went to all the trouble to get t he Quick   Claim Deed a nd to locate my stepfather for him to sign the paperwork removing him from the loan and title.       NACA sent another loan modification application to Ocwen with the " Quick Claim Deed '' Ocwen comes back and says they can do the loan modification rambling something about they ca n't reduce my principal which is exactly what the " National Settlement Lawsuits '' court and judge requires them to do.
These people meaning Ocwen are evil and should be put out of business. They have harassed me   ever since they took over my loan beginning in (  XXXX  ).      Ocwen has criminally trespassed on to my property breaking locks, doors, windows and putting " Lock Boxes '' on my doors. They have also cause me to loose my homeowners insurance by calling my own insurance company telling them to cancel my insurance policy and then turn around and put " Force Placed Insurance '' on my property for ( 3 ) times the amount when I was only paying { $800.00} with my prior insurance company before they called them.     I do n't know how   Ocwen is able to get away with all of this criminal activity. Any of person did these unlawful acts would be put in jail or made to pay a fine.
The D. C. DEPARTMENT OF INSURANCE Joins State Regulators by Issuing a Cease-and-Desist Order to Ocwen Loan Servicing, LLC for an array of unlawful actions.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
This agency called me about an electric bill. I didnt know about it but told them I wanted to look into it. I also told them they are not to call my cell phone before XXXX cst since I work. Since then I have gotten calls at all times of day since then. I just called back to tell them that I politely asked them to not call until after XXXX ... .they lady told me they cant accommodate that. I told her all it is is putting a note on the file. She said they couldnt do it. I explained that I am a bill collector also and her response was ... well not at this office. I then told her to just remove my number all together. The company is Affiliated Credit Services and I believe they are Minnesota. I told them before that I didnt believe I owed a bill to XXXX XXXX. I still have not gotten a letter from them either. I am attaching some screenshots of my call history with times.
Equifax was hacked and had my personal data listed in an easily stolen format. My SSN and credit history are now possibly in the hands of criminal hackers.
I had an account with XXXX several years back that had been closed and now I get a open report back on my credit that states that 's on have an open account with them again that 's in collections this item was previously deleted off of my report I need help with this matter I 'm trying so hard to rebuild my credit to purchase a house this just made my score drop drasticly. I 'm trying to stay on the right path and do the right thing then this happens why are they reporting something that was charged off and closed once already. Please contact me at either XXXXXXXXXXXX or via phone at XXXX XXXX XXXX thank you for your prompt attention to this matter hope to hear from someone soon.
I had a loan out with Citizens One Auto Finance for my XX/XX/XXXX XXXX XXXX when I was in XXXX. I paid off the loan and received a payoff statement from the bank dated XXXX XXXX, XX/XX/XXXX. The VIN # on this vehicle is XXXX and the account # is XXXX. 
On XXXX XXXX I went to the XXXX to get plates for my truck as I permanently move to XXXX XXXX XXXX, XXXX to address on front of this paper. I sent my XXXX plates back to the XXXX in XXXX, With XXXX auto insurance in hand, title, and payoff letter from this bank, the XXXX would NOT issue me plates dues to no signature sign off on the payoff letter. 
Product Vehicle loan Issue Managing the loan or lease
I would like to request an investigation be launched into the lending practices of Peaks Private Loans. I submitted a complaint with the CFPB on XXXX XXXX, 2017 and received a denial reply from Peaks Private Loans. I was misled by XXXX XXXX XXXX to apply for loans which I was not, and never will be, able to pay off, due to the level of education and resources given to me by XXXX XXXX XXXX. Due to my income level, I have accrued an overwhelming amount interest on my loan and my loan is becoming increasing improbable to be paid off. Peaks Loan refuses to work with me to pay off my loans in a reasonable way. I have exhausted my forbearance allowances with them and my income-based payments will never pay even the interest accrued on my account. I have been trying to make the minimum payment each month but it is only going toward my interest. I now owe much more money than I borrowed and the principle balance has gone down very little, with the interest being thousands of dollars. I have paid Peaks Loan thousands of dollars over the last few years and have nothing to show for it. I borrowed this money in hopes of bettering my future and becoming a useful member of the job force but I am not working in the field I studied for, due to the lack of education given to me by XXXX. I have spent thousands of dollars in paying back the interest accrued on my loans for a degree from which I have not benefitted. I am in debt for a degree which is not very helpful in getting me jobs, from a school that was shut down because of predatory lending practices, and have ever-increasing interest from a company that lent me money knowing I wouldnt be able to pay them back on time. I contacted Peaks Loan through CFPB, bringing to their attention the sneaky ways in which they lent me money, and was sent a firm denial in return. I ask that your organization investigate their lending practices and refusal to work with my balance due, in light of the recent exposure to XXXX predatory lending practices, with whom Peaks Private Loans was involved. The education I received from XXXX was not sufficient to prepare me for the job market, the market which would afford me the salary to pay off my loans, that they promised. Please help me to be the asset to the economy which I sought to become when I borrowed from Peaks Private Loans. Thank you for your time.
Official looking mailing received ( from TRU Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ) with a return address of XXXX XXXX XXXX XXXX. Inside the mailing is an offer to reduce our monthly mortage payment. We do not have a mortage and have not for years. The mailing claims their information is based on public record sources which probably means credit bureaus or other data providers they pay for information such as names and addresses. Of course, their claim may simply be fabricated.
Repeated, daily phone calls, paper mail and emails. Calls made were repetitious and at inappropriate hours. Phone calls to family members, giving information about my debt when they were not given family member phone numbers or consented to give out information to them.
My husband is in the military and in and out of the field. When he bought my wedding ring in XX/XX/XXXX XXXX 's stated he had a year until he had to make a first payment, he put $ XXXX down and had $ XXXX left to pay. We never received notices, emails or calls about " late payments. '' I called end of XXXX because I noticed they had my name completely incorrect and his name backwards. It wasn't until we started working with the VA XXXX loans that they told us about what XXXX had put on our credit. As stated before my husband is in and out of the field. It took me months to be able to call on his behalf then they said I could only make payments not talk to someone in detail. Once again working with the VA I called XXXX 's AGAIN each time a month apart. They are reporting you past due every month and that they are showing an amount past due I asked why is it showing late when they told us he had a year to pay and why they haven't notified us of any late payments. They had his phone number wrong! I paid {$300.00} that day and asked to set up monthly payments. Fast forward to XX/XX/XXXX, VA is still saying XXXX has it as " late payments ''. So I call, they say the account is now closed and if I don't pay {$290.00} today its going to collections. I was outraged and said how I set up monthly payments and just paid {$300.00} and she informed me that no monthly payments were set up. I paid the {$290.00} and once again set up monthly payments. Our tax return came XX/XX/XXXX and I paid off the rest of the card, yet still have derogatory remarks on our credit report. I also kept stating how it wouldn't let us create an online account for me to be able to see all of this and track it and they had no explanation.
My husband bought a land lot in XXXX using a Bank of America home equity line of credit for {$82000.00} - in his name only - against our home, which is in both of our names, as a 2nd mortgage. For the next 10 years, he paid only interest payments. He died in XXXX of XXXX. The very next month after his death, the payments on the HELOC only went from {$340.00} / mo. to {$780.00} / mo. I tried to talk to BOA about refinancing the loan, but they would not because it was in his name only. I have submitted to BOA his death certificate and legal letters testamentary. These had no effect. I tried to go through XXXX, but Bank of America would not agree to be the secondary loan, because my name is not on the HELOC. But, I AM required to make the monthly payments on time. Since my name is on the original home mortgage ( with XXXX ), I have to pay. Also, they still take automatic deductions for a savings account that was in his name only, but will not let me access it. XXXX Mortgage worked for months trying to get BOA to agree to be the secondary loan, but I only spoke on the phone about this matter to my loan officers. There are no papers to attach regarding this. I have attached all relative papers I have.
contacted PayPal in Fall of XX/XX/XXXX advising that I had received a statement advising that I had a credit card with them with a past due balance. I contacted them right away, took several representatives to get escalated to a manager as no rep would open fraud for me stating i had used the account and there was a pending balance. I kept explaining to them I didn't open the card and that I had no idea I even had a credit card with them. I confirmed I do you have PayPal account, however all of my transactions have been paid through my debit card with my credit union. Finally the manager confirmed that he would close out the account as fraud, I would receive a letter in the mail with the details. Several weeks later I did receive the letter from PayPal stating the account was closed out in regards to fraud and that within 60-90 days ( can't recall exactly ) the account  would be removed from my credit report. 
In XX/XX/XXXX my employer pulled my credit ( as they do every year ) and I have a collection showing as of XX/XX/XXXX through XXXX collection company for the PayPal account. I immediately checked the PayPal account on the credit report and it's showing a charge off account. 
PayPal turned me over to collections months after the letter was received advising the account was closed out as fraud and credit reporting agencies would be updated. 
I now have to go through the dispute process with the collection company which will take 90 days before I can obtain any documentation from the collection agency in regards to the outcome of the dispute. 
I am currently on the phone with PayPal again. I have spoken with a rep, a manager, fraud, and now their investigation team has to further look into it. 
This issue can effect my job, if not cleared up it's in my job contract to receive disciplinary action if my credit is not clean. This not only effects my credit negatively for the credit card that I didn't open, I am now being penalized for the collection account that is showing and negatively impacting me. 
Still to this day, they can not ( or will not ) provide me with the dates of the purchases or any transaction history for debt that is being negatively reported on credit in my name. 
XXXX ( employee ID XXXX ) an account manager states multiple times that I can't speak with anyone above her. After going round and round and round, she finally said her manager would review my account and IF he felt that he needed to reach out to me he would, however the soonest it would be is 72 hours. I asked for his employee ID and contact info and was refused. I asked to hold until he was available and refused. I asked to be called back by said Manager regardless to whether he felt " he needed '' to and was advised he would only call back should he feel it was needed. 
I advised I would be completing a complaint with CFPB in regards to this issue and would encourage her to provide me direct access to her manager and was again refused.