WillisBack/dataset-financial-user-claim huggingface dataset:
Account was opened by person whom did not have permission to use SSN to open the XXXX account. I did not know that the account was opened in my name using my personal information and SSN. This is identity theft.
I purchased a mortgage for a home fr om Wells Fargo and it  closed on   XXXX   XXXX    2017.  In    XXXX     2017 I succe ssfully negotiated with my mortgage consultant to refund my appraisal cost after the mortgage closes if I choos e Wells Fargo. I wa s told soon after the closing date by my mortgage consultant that it will  take 4-6 weeks   for  Wells Fargo to refund  the appraisal on my credit card. I have tried calling my mortgage consultant since the beginning of  XXXX  on unrelated things and since     XXXX   XXXX      2017 rega rding the refund. The consultant has not returned my phone calls or responded to any email. I then called the general customer service line on    XXXX   XXXX     2017 to g et an update. They stated that I was not due a refund and that I should get in contact with my mortgage consultant. The name of my mortgage consultant is  XXXX   XXXX   XXXX .
Please look at complaint XXXX originally submitted in XXXX. I just received an email from CFPB that Navient responded and the case is closed. Please read my feedback. Nothing has been accomplished. Navient is not honest in its dealings and CFPB just seems to go with it no questions asked. They are saying my sister never called them, and she has on several occasions and left messages as the phone number they provided just records messages. No one ever calls her back.
Unauthorized Inquiry on my credit report Clarity Services dated XXXX XXXX, 2016
Equifax had its systems hit by a cyberattack that effected millions of people. According to their website my personal information may have been compromised. After learning this I tried to request my annual free credit report from them but the page froze, crashed my browser, and when I tried to do it again Equifax would not let me access.
Havent deleted the late payment. Also havent showed me any proof that I had a loan from XXXX   college. Still waiting on results.
The XXXX time they called, I was told I could make monthly payments on an outstanding bill. The lady was polite. She asked me when I could make a payment. I told her it would be the XXXX of XXXX when I could make the XXXX payment. I sent the payment. Since then they have called repeatedly every day. I have answered a XXXX of times but the caller would just hang up or I would just hear music. They use several different numbers to call. I have gotten to the point where I will not answer these calls. It is annoying and harassing because I am set up on a monthly payment plan and they need to stop calling me.
In XX/XX/XXXX, I purchased this home after a divorce and worked 3 jobs to purchase my home as a single parent. In XX/XX/XXXX I lost my employment of 20 years with XXXX XXXX XXXX and was unable to make my mortgage payments. I contacted my lender, Wells Fargo Bank, and they granted me a Loan Modification with adjusting rates and payment as follows with a term of 40 years. Please note, my property taxes and home owners insurance are impounded in these payments approximately {$380.00} as follows : XX/XX/XXXX-XX/XX/XXXX - 2 % interest - Payment {$1200.00} XX/XX/XXXX-XX/XX/XXXX - 3 % interest - Payment {$1300.00} XX/XX/XXXX-XX/XX/XXXX - 4 % interest - Payment {$1500.00} XXXX - 4.6 % interest - Payment {$1900.00} ( increase includes HERO PROGRAM increasing property taxes by {$3000.00} annually instead of {$1500.00} annually ) XX/XX/XXXX-XX/XX/XXXX- 5 % interest - Payment TBD In XX/XX/XXXX, I was forced retired and was not able to gain full-time employment ; consequently ; I am was only able to get a part-time seasonal job earning approximately $ 1000 monthly during the months of XXXX through XXXX plus my social security benefit of {$1500.00}. I do not work during the summer months, therefore, my monthly mortgage payments are unaffordable during these summer months. <P/>Here is how this process works to apply for the MAP. You must submit over 100 pages of documents such as 2 prior years of federal and state taxes, 2 months of pay stubs, recent bank statements, letter of hardship, etc. However, only the " Income and Expense '' page is reviewed by the underwriter. If you have equity built in your home, then you are automatically denied assistance. Wells Fargo makes you believe they are going to assist you throughout the process but know you will be denied assistance regarding of your financial hardship, which Wells Fargo refuses to admit you have a financial hardship. <P/>PLEASE READ XXXX AND XXXX XXXX XXXX AND YOU WILL SEE HUNDREDS OF WELLS FARGO CUSTOMERS GOING THROUGH THIS SAME PROCESS AS I HAVE FOR 3 YEARS BEING PROMISED ASSISTANCE WITH THE MORTGAGE ASSISTANCE PROGRAM INSTEAD, CUSTOMERS ARE ALWAYS LOSING THEIR HOME TO FORECLOSURE. <P/>I am requesting that you please have my lender, Wells Fargo Bank, lower my house payment and not make me move or lose my home to foreclosure because this month, XX/XX/XXXX, I am unable to pay my mortgage payment. I beg that you please have these lenders help keep their customers in their homes especially after retirement.
I am attaching a lawsuit which was filed recently. It shows how Nationstar is illegally trying to foreclose on my property. I have hired a fraud investigator and expert witness to investigate their wrongful acts and the investigation is ongoing. They responded to my last CFPB complaint with the attached letter sent to my attorney, XXXX XXXX. Every time I ask who owns my loan, I get a different response which tells me that it is all fraudulent and they just make something up each time, hoping to pass the liability onto someone else but as you can see by the attached documents, it is all a big fraud. XXXX XXXX sent them an authorization which I signed along with the letters that she sent to Nationstar which allowed her to receive their response to her letters. She received the return receipts to all of her letters sent to Nationstar. However, in their reply, they said that they did not have the authorization. This is not true since they signed the return receipts which XXXX XXXX received and I have attached them here as well. In the letter dated XX/XX/XXXX that they sent to my attorney, XXXX XXXX, it says that XXXX XXXX is the owner of my loan, however in the letter dated XX/XX/XXXX that they sent to XXXX XXXX it says that XXXX XXXX is the owner of my loan. Both letters are attached here. I still do not know who owns my loan. In item 5 of their letter to my attorney, XXXX XXXX, they said that four loan modification reviews were denied due to the request being incomplete. This is another lie. I provided all documentation requested numerous times. They continually lost the documents, changed the single point of contact and made me send in the information over and over again, wasting time and using a false reason to deny a loan mod. In item 6, their accounting was incorrect and I made every payment since the XX/XX/XXXX loan mod and I have all of the cleared checks. They claimed I did not make insurance payments which was not true as I can prove that I made all of those as well. The only reason I went into default was because they started sending the payments I was making to them back to me. I could never reach a person who could get this straightened out. I have notes on all the times we tried to reach a live person who could explain what was going on but the single point of contact would never return my calls. I even paid an attorney to try to figure it out and he was also not able to get them to explain to him why they were saying I was in default and explain their accounting. He told me I needed to sue them. People should not need to go to court to get a correct accounting and find out who owns their loan and where the money that I have paid has gone. Nevertheless, after trying every other way, it seems that is what is required.
Please restore standard consumer bankruptcy protection to student loans and make America great again! 

Capitalized interests on student loans is unjust and fraudulent. Congress has allowed corruption to prey on student loans that was formed to help students. Instead it has crippled the economy and forced XXXX former students to lead a lifetime of debt with XXXX in student loan debt. Interest collecting interests. How can it be that my total original loan amount is {$150000.00}. And I paid {$120000.00}. And 10 years later still have a balance of {$180000.00}??
XXXX made a error and send my ssn to different banks without my consent and flagship credit made hard inquires on my credit report with out my consent
I am XXXX XXXX and I went onto Experian two months ago to check my husbands " FREE '' credit score. It cost me XXXX dollar, and through the fine print when you agree to their terms, what you must weed through is that they'll charge you {$21.00} each month automatically. I found that out today when I checked my bank statement. I explained that it was a misunderstanding and I didn't intend to join any membership that I only wanted that one free, that wasn't free, credit report. I asked for the two months they had deducted refunded. The representative was authorized after arguing to refund only one month. Since Experian is supposed to be a trusted company that has the world at their mercy for credit reporting, I expected that they would make it right. The supervisor XXXX, who isn't required she said to give her last name, but badge number # XXXX, told me that the only refund she would be giving me, after several try 's of asking, would be one month, and not two as I asked for.

Experian I have learned today is a for profit company and can't believe they've not been re regulated on how they operate as they have the fate of everyone 's financial reputation in their hands. They are tricky and know they can't be touched.

They refunded one month of {$21.00}, and I would like the other month refunded as well.

I expect another refund of {$21.00}. When they sent their e mail confirming cancellation, the generic print states, " If you are due a refund, please allow a few weeks for the refund to be reflected on your credit card statement. '' This was the first cancellation e mail. Clearly, they're used to giving refunds to others that aren't clear about their SIGN UP policy. Additionally, when you call the CS number, the recoding will hang up on you if you don't immediately enter you social security number before they connect you. Very scary in these times, but I did it anyway after their phone system hung up on me three times because I didn't want to give any information until I had a human on the line. I want my second month refunded additionally of {$21.00}.

After they sent a cancellation e mail, they sent one that says welcome back. Wow. Horrible company.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  appeared on my credit report with XXXX  and XXXX stating that I owe a payday company by the name of Easy Money. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX   which is the number that shows on the report through XXXX XXXX  for XXXX, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.
I have never paid late for my XXXX card, but EQUIFAX will not remove a negative mark on my old credit card, even after sending them proof that XXXX agrees. 

Equifax customer service is unreachable and there credit reporting system is flawed. I have filed multiple disputes to Equifax with no avail. 

Equifax has been a horrible experience for their credit reporting.
I do not recall owing any medical, this might be my fathers whom past away which was also XXXX XXXX past away XXXX/XXXX/2013. I have requested verification several times in a dispute nothing received. I want this off of my credit report.
Again this company has listed I owe the following which is not verifiable I have disputed and requested several times with nothing being received. Please help I want these inaccurate remarks off of my credit file The CBE Group # XXXX The CBE Group # XXXX I do not owe
I received a friend request on XXXX from a lady who 's profile name is XXXX. she advertised how she can help people make additional income with a number provided XXXX which I decided to call to get more info. she texted me and said that someone would be calling me. Which they did, and the conversation was explaining there business helping others flip the money to help there assist their financial needs. I ask how do you get started? They replied that I had to give my full name to get registered in there system then drive to a local western union at send money to an specific name and address then 20-30 mins later i would receive a tracking number to pick up my flipped return payment. I ask whats the minimum to send and they repaid {$150.00}. which would flip and return to me in the amount of {$3000.00}. I then went to western union as instructed filled out the form to send {$150.00} to the name and place the told me which was to a XXXX in XXXX. The tracking number of this transaction is # XXXX and i waiting as instructed to get my refund. then i received a message saying the money is there but the irs just notified them that there is a fee of {$290.00} that needs to be paid in order to receive my refund. I went back and forth with them through text and phone calls on how I do n't have anymore money and how this was n't what was discussed prior to me sending the first transaction. I let them know i could n't send anymore and they insist if I could send what i have. I told them i had a XXXX and they assured me that after i send this that i would receive my money with an additional {$1000.00} and a new XXXX which would come in the mail. They even proved me with the tracking number to give me clarity of the transaction being legit. that number was # XXXX but i was n't able to see the amount or the name attach to it which left me still suspicious. so i declined to send anything else and told them i would be reporting them so they could stop calling which they did after I uttered those words. So here I am telling of my unfortunate tragedy. I just was looking to better my families financial status. Not sure what will come of this, but I pray they get caught so that they can not mislead anyone else.
approximately in XX/XX/XXXX i applied for credit through my local credit union, XXXX XXXX XXXX XXXX XXXX, and was denied credit due to bad credit bureau reporting from all three credit reporting agencies stated my loan officer from XXXX XXXX XXXX XXXX XXXX. my complaint is that the bad credit still looms with my recent free report from Experian. I am looking for help to improve my credit rating even though our student loans my have fallen behind in past years. The problem still follows me and am not able to get credit because of student loan delinquency in the past. Please help. 

Thank you XXXX XXXX, XXXX
XXXX XXXX, 2017 ( XXXX EDT ) : Equifax is not accepting credit freeze requests, online or by telephone. Online you get an error message ( System Currently Unavailable ) and you are told the same thing by telephone after working your way through their voicemail tree and entering identifying information ( SSN, ZIP Code, DOB ) using a telephone keypad.
I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters XX/XX/XXXX to XXXX and XXXX and disputed online with Experian requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.
Every year when I re-certify my XXXX XXXX for PSLF with XXXX XXXX, they get the payment count wrong. This year was the same. On XX/XX/XXXX my PSLF XXXX XXXX was re-certified, and they told me I have 60 qualifying payments for one group of loans, and 59 for another. These loans are consolidated and should both show 60 qualifying payments. It is under review, but they can not provide a time frame for when I can expect the number to be corrected. It should not take so much effort on the part of the borrower to keep tabs on XXXX XXXX to do their job correctly and provide correct payment counts. Since they became my servicer several years ago I have spent many hours on the phone with them, emailing them, and carefully documenting everything to keep everything on track. The poor quality of their service is unacceptable.
On XXXX XXXX, Wells Fargo allowed this unauthorized charge to come out of our checking account:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called Wells Fargo immediately and also called the XXXX number listed above. It turned out to be loan servicing for XXXX XXXX financing - XXXX XXXX. XXXX XXXX researched the charge and found that the charge went through ACH and was supposed to be a payment to them from their customer XXXX XXXX XXXX who has the same bank account number but a different routing number as we do. We made a three-way conference call with Wells Fargo and XXXX XXXX to explain the problem the same morning we discovered it - XXXX XXXX. XXXX from XXXX XXXX explained to Wells Fargo that this should n't have been charged to our account and we explained it but Wells Fargo refuses to even give us provisional credit for this huge amount of money they allowed to be withdrawn from our account. XXXX days later, we 've called them almost every day and still no refund. Please help us get our money back. By the way, we have had accounts with Wells Fargo for more than 15 years.
This complaint is in reply to a previous complaint # XXXX. Much of the reply from Citi was not true. I have the emails and letters I received from Citi. Citi said I did not send all documents requested. I have always returned all documents they requested. I have never taken a month to return documents. They are usually returned within a couple of days and not more than a week .I spoke with XXXX XXXX in early XXXX and I received an email from her on XXXX XXXX. If the underwriter reviewed my file on XXXX XXXX and found documents were missing why were n't these documents mentioned in the email I received from XXXX XXXX on XXXX XXXX when she told me the file was still on the underwriter 's desk and had not been reviewed yet? ( see attachment ). Also in my phone call on XXXX XXXX, I was told by someone named XXXX that my modification was turned down on XXXX XXXX and that a demand payment notice was sent. I never received either of these notices. Our account online was never updated as documents were sent in like it was for our previous modification so we did not know what was needed. Also XXXX XXXX did not advise me of the documents I needed, XXXX XXXX did in an email dated XXXX XXXX. ( see attachment ) And speaking of a delay, XXXX XXXX never answered any of my emails and why did it take so long for him to contact me with the necessary documents I needed to send them when I asked to reapply on XXXX XXXX? I did not receive his email with the necessary documents needed until XXXX XXXX and I had those documents returned by XXXX XXXX.
I had a joint account at Bank of America and they let the other party close the account without my knowledge.
Was called by them, long story short, I was threatened to have wages garnished, told I had a summons ( which I called and there were none ). Continues to call and leave harassing messages with the business office of the company I work for. Continual harassing calls to my cell phone. This company is engaging in bad and illegal debt practices. These calls to my employer and to me need to stop immediately. They are against the law.
Continental Finance every 2 years for the past 10 years has a collection firm call me, tell me that I about to be served if I don't pay  the balance of the credit card. The credit card is part of an identity theft complaint I made against my former roommate in 2008. But it has been so long since I filed the complaint XXXX XXXX Police department can't even find the detective that took the complaint. So I have dollar amounts, no documentation, I have NO documents even from Continental including want subpoenas or paperwork on being sued.
I attempted at least 3 times from XX/XX/2018 to XX/XX/2018 to work with the company BBVA compass to lower payments, extend the loan or in some way help me so I don't loose the car. I am continually told that my account is to new and they can't do anything for me. I send what money I can but they still are not happy with anything I have attempted. Also when I try to call I'm am waiting for hours.
I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but transunion stated that in fact is not the case. Nothing else has changed on my ( transunion ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion NA via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX XXXX.
In XX/XX/XXXX I recieved a XXXX for XXXX XXXX XXXX XXXX. As if XX/XX/XXXX, I discovered that the company no longer operates in the United States. The website provided this number XXXX, and instructed me to contact the address below. 

Another link provided this address : HSBC Attn : XXXX Customer Resolution Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX The number states to notify in writing the request for release of lien. Unless you are a lawyer the information needed is confusing especially when all you have is the XXXX.