WillisBack/dataset-financial-user-claim huggingface dataset:
TRANSWORLD SYSTEMS INC Contacted me XXXX XXXX on or about XX/XX/XXXX at XXXX CST asking for a XXXX I just got this new number from XXXX XXXX and it is registered with the state of Missouri and National " DO NOT CALL LIST '' however Transworld has my information and they still contacted me with no merit or reason even apologizing for calling me as my name XXXX was not in there system. The Rep advised me they are looking for a XXXX that owes them money which is a clear violation of " FDCPA '' with regard ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 


Per my new Carrier XXXX XXXX I may have got a recycled number however I have advised TransWorld Systems Inc I don't know any XXXX and they said it will take them several days for my number to be taken out of there system and I may still receive phone calls. 

XXXX
I have contacted Midland Funding regarding a fraudulent account reporting on my credit report that does n't belong to me. I have yet to hear back from them regarding this matter.
On XX/XX/XXXX, while I was in a natural disaster forbearance period with XXXX XXXX XXXX, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called XXXX XXXX once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. XXXX XXXX finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but Equifax refused. I spoke to several representatives from both Equifax and XXXX XXXX to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.
Synchrony Bank is adding late charges, penalties and interest to my regular monthly payments being made on my RoomsToGo account even though my payments are getting to them 8 to 10 days before the due date. I can not get them to budge on this. I asked to speak with a supervisor and was told the supervisor is unavailable. I asked to have the supervisor call me when available they indicated that is not possible.
I sold a car online and was sent a cashier check from the company I try to get the bank to verified it before I deposit in my checking account, I was told by one of the banker that it looked ok just deposit into my account that I had with that bank, I put it in my bank account I had with the bank.The bank gave me half of the check which was XXXX available to me which I took the cash. The bank aloud m XXXX available that day ok 3 days later I get a block put on my account and when I call them that 's when I found out the cashier was not good. I tried to get it comfort at now I am label high risk @ XXXX XXXX and can not open a bank account
Equifax continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems
Equifax by lax security allowed mine and 145 million other Americans DOB and SSN information to be stolen.
I am a XXXX seeking XXXX. When I consolidated my loans with Navient I was NOT advised that XXXX loan taken out prior to 1998 would exclude me from XXXX. I asked if I could pay off that loan so that I can qualify for the XXXX and I was told that I am unable to do so. When I ask why I was n't informed of the issue, I am merely told, " I am sorry ma'am ''. I have inquired several times and I feel cheated and I feel like I was taken advantage of. 

The only proper solution - I would like to pay off the loan that is keeping me from qualifying for the XXXX. It is only right that I am allowed to unconsolidate, pay off the XXXX loan and be granted the XXXX
I made a payment to XXXX XXXX. XXXX  creditor, upon the completion of the payment I was not informed, that my limit was decreased, and the payment I made was set to arrive even though the week upon it being cleared. I called to check rather my payment was processed XX/XX/XXXX, and the associate told me it woukd clear the XXXX. I called theXX/XX/XXXX and they told me the credit limit was decreased and there was a problem with the payment. XXXX XXXX took the money out of my accout for the payment even though they were given a payment, but didn't inform the account holder of the update about the status of the account being payed-off, nor if the payment cleared. The payment was processed, I do not have the money in my account, the limit was decreased and I wasn't informed, and the payment was set to arrive even though I was not informed of the account status upon the completion of the payment cycle.
The terms of service in Equifax 's updated procedure after their recent hack allows them to share your information without my consent. I am on the list of potential victims for this large breach of information, and seek restitution if my information is compromised or my credit score is directly affected.
On  XXXX   XXXX ,    2017  I received an alert that a collection account was added to my credit file. I did not receive any prior notice that the account was going to collection. To my knowledge, I 'm suppose to receive written notice allowing me 30 days to dispute the validity. This is a direct violation of my rights. I need to see a copy if the documentation that was mailed to me at least 30 days prior, the address the notice was mailed to and any other supporting documentation.
I had XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. If this really is my account, it is evident that XXXX XXXX XXXX XXXX simply failed to bill my insurance in a timely manner. I have attached a letter from Missouri Department of Social Services stating the dates I had Medicaid/MO XXXX insurance. 
Account XXXX : XXXX
We have had a personal loan through XXXX for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from XXXX. We feel that our request is reasonable but XXXX is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
The account is a corporate account and now it 's placed on my report. The company is responsible for the debt but the creditor will not remove it from.my report. It is harming my score. I 've called to rectify this issue but everytime I speak to someone, XXXX answrs
As of XX/XX/2018 HUNTERS WARFIELD KEEP INCREASING AND DECREASING A DEBT THAT DOESNT BELONG TO ME.. ACCORDING TO THE FCRA INCREASING AN AMOUNT THAT HAS ALREADY BEEN REPORTED YOU CANT INCREASE AND DECREASE BY {$1.00} TO {$2.00} DOLLARS EVERY WEEK OR MONTH WHICH DAMAGES AND HARASSING SOMEONES CREDIT ITS NOT RIGHT ITS A VIOLATION UNDER THE FCRA. THIS MUST AND SHOULD BE REMOVED FOR INACCURACIES UNDER SECTION 609.
I received my XXXX in 2014 which I paid for with private loans, since Federal loans are not available for graduate students. I moved to Florida after completing my XXXX. I 've struggled with repayments. My loan was in deferral for a year and since then I have made 3 months of payments. I recently called Naviant to explain my situation. You see, I take home {$2400.00} a month. My monthly expenses including rent, cell phone, car, travel to and from work, and utilities leaves me with {$300.00} to spend on food and have for emergencies. Naviant told me I could afford to pay them {$270.00} a month and they will not accept anything lower. This payment is just impossible for me and they wo n't do anything to help. I 've tried to find help and I ca n't. If i had known that trying to further my education would wind up hurting me and my credit this much, I would have never gone back.
Equifax - An inquiry was submitted to Equifax from XXXX for my credit information. I disputed this inquiry because I did not authorize it. Equifax did not investigate to see if I had authorized or did not. Their investigation results were that I would have to contact XXXX myself and ask for it to be removed. I do not know who to contact nor should I have to. They should not put things on my report and should not give companies my credit information without my approval. Also, I had put a fraud alert on my credit to prevent things like this.
On a {$27.00} principal balance this company is charging {$70.00} in fees and interest. they continue to add {$35.00} per month as a " fee '' plus interest. I have paid the statement balance on the original principal amount due of {$27.00} in the full amount owed at {$60.00}. They refuse to accept this payment as paid in full for the {$27.00} balance which was also for additional fees and interest in XXXX. They continue to add fees and interest onto no transactions and no additional use of the card, simply charging fees and interest on fees and interest. Please have this company zero out my balance and cancel this card as I instructed them to do so months ago. Please do not allow them to continue to charge me fees in excess of 100 % of the principal balance owed. My final payment was mailed XXXX-XXXX-2017 in the amount of {$60.00} which I believe to be a gross overcharge, however they want an  additional {$35.00} for an additional fee plus an additional {$1.00} interest on their late fee.
They are calling in reference to a loan I cosigned for my granddaughter. I have informed them that my granddaughter will not answer my phone calls or text messages about this debt and I am on now XXXX years old, receiving social security, and have XXXX and can not handle the stress of the continuous calls. They called me XXXX times on Saturday even though I have asked them repeatedly to stop calling me.
I have XXXX XXXX account on report that is XXXX years old. XXXX keeps updating account to keep on credit report. Account # XXXX should be deleted. XXXX 's account # XXXX account is paid in full not charge off. XXXX XXXX has the same account posted XXXX on report. The charge off account should be removed Account was paid in full. XXXX account # XXXX is XXXX years old and should be deleted. Both XXXX accounts # XXXX and # XXXX I received a XXXX for those accounts so they should have been removed. XXXX Bank # XXXX should be removed account paid in full and amount is wrong.
I have sent in several disputes between XX/XX/XXXX 2017 and XX/XX/XXXX 2017, requesting for Trans Union and XXXX to update my Public Record Tax Lien as " Paid '' or to have it removed. I recently applied for a Mortgage, and my credit report is showing that I have an unpaid Tax Lien. The Tax Lien was paid on XX/XX/2017, a portion of my federal refund was taken by the IRS and they paid the debt to the XXXX state, I have a letter from the IRS. I contacted the XXXX XXXX XXXX and they show me as paying the tax lien, they stated they do not report " Tax Liens '' to the credit bureaus, they stated these agencies looked up my public record and obtained the information from there. I have contacted the credit bureaus again, and I faxed them and mailed the documents showing that the Tax Lien was paid, but they still are reporting it on my credit report as " Filed '' and Trans Union is reporting an incorrect amount. I have attached documents for proof.
Conduent, formerly ACS, continues to misreport late payments on my credit reports for a paid and closed account. These late payments purportedly occurred in XXXX. However, this account was in an approved forbearance status and should not reflect late payments. As a result, I am requesting original signed documentation of all forbearance records from Conduent for the duration of time that they serviced this account ( XX/XX/XXXX- XX/XX/XXXX ).
There are nine inquiries on my Equifax report that are not mine..my personal information has been compromise.. below are the inquiries that do not belong to me..XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
I was involved in a settlement from Ocwen and i am attaching the settlement documents below ... On this settlement I am being awarded and offered a principal reduction on my home. I demand under this federal court order that this order be in compliance to my loan and I receive a principal reduction without having to repay any of the loan back to you. On this Court order it states that If i was affected I will be compensated in many ways. This is to include a principal reduction. I demand a principal reduction of my entire loan in the amount of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) as soon as possible. I also want my demand that my Property mortgage Insurance be taken off since my mortgage loan is below the 80 % loan value. I demand that the PMI being charged be taken off ASAP. I also demand that a XXXX Property Inspection fee be taken off my account charges. This charge was put on there in XX/XX/2018. I demand a phone call ASAP XXXX.
I have many, many times tried to get these Hard Inquires off my report. I have now obtained the letters to get them off as requested many times, by the CRA to get them from the inquiries. So I scanned and attached the letters to get the hard inquires of my consumer credit report. The only thing to do is get the letters then send them to the CRA as they would n't do the work themselves.
XXXX claimed they will remove the late payment once the debt was paid. As i paid the debt consumer never removed and claimed this is something they do not do. I told consumer to replay the tapes as there agent claimed he would remove such and consumer said they will and never returned my call.
I was told I would have a permeant credit of XXXX USD. Not the full amount of XXXX USD XXXX XXXX transaction. The issue is you guys are request more from me. I read the email you sent to my account online. I also called your customer service today. No one had a clue what was going on. I would like to know if my permeant credit is what it states. I received a letter via email stating I had a permeant credit. I am confused and would like someone to call me please.
XXXX XXXX has a sale date on her home set for XX/XX/2015. A completed thorough investigation on the above mentioned client/ borrowers ' property with regards to requesting the true identity of the " Beneficiary '' and the true " Party of Interest '' has been done.The comprehensive title report " Chain of Title '' and/or " Foreclosure Validation '' show the following error ( s ) have occurred during the foreclosure process.The comprehensive title report " Chain of Title '' and/or " Foreclosure Validation '' show the following error ( s ) have occurred during the foreclosure process.Cal. Civ. Code 2923.5 states a notice of default recorded pursuant to Section 2924 shall include a declaration that the mortgage servicer has contacted the borrower, hast tried with due diligence to contact the borrower as required. The notice of default, document number XXXX, is invalid as the servicer did not contact the borrower in person or by telephone in order to assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. The notice of default, document number XXXX, is invalid as it had passed the 90 days before issuing the notice of trustee sale ( document number XXXX ). Furthermore, XXXX XXXX has reached out to Nationstar on numerous occasions for assistance. The inability of Nationstar to receive a simple facsimile, email, or simply maintain a file is inexcusable. Most recently, our office has repeatedly sent in information to Nationstar and they claim they did not receive the documents. By unreasonably and unnecessarily delaying the assistance request, XXXX XXXX continues to get farther and farther behind on her mortgage payments. Practically speaking, it can only be inferred that Nationstar has pushed XXXX XXXX farther into delinquency and foreclosure. The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on homes and fire selling them at auction to make a profit. It appears that Nationstars lack of participation in following CA. Civ. Codes indicate a preference to profit directly from her hardships. XXXX XXXX is XXXX and it is apparent that Nationstar has discriminated against XXXX XXXX by refusing to review her file for assistance to retain her home. At this time we are requesting that the sale date be postponed, or Nationstar and XXXX XXXX XXXX XXXX will be named as defendants District Court Complaint.
My student loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is not  acting ethically in the way my extra loan payments are allocated. They have mandated that my payment is due on the last day of my " billing period '' each month. As a result, there is only one day, out of each and every month, that I can make an extra payment and have it applied directly to the loan token/loan number, of my choosing. 

As an example, my payment is due on the XXXX of the month, which they have determined to be the last day of my billing period. If I schedule an extra payment any time after that, they tell me I have not yet met my payment for the " new billing cycle. '' They take that extra payment and break it up across all my loans ( which is allowing them to take my monthly payment 29 days in advance and still making sure they are controlling where my money goes. ) As a result, any time before or after my payment is due ( XXXX of the month ) they control where it is applied. 

They have refused to change my billing payment period or my payment due date.I can not be the only student frustrated with this process. Student loan debt is out of control due to heavy handed tactics such as this. I have spoken to Great Lakes representatives numerous times and they always insist that this is their policy with EFT ( Electronic Funds Transfer. ) I do not want to change out of EFT because of the additional incentive they provide, that is a reduced/discounted interest rate for those signed up for EFT.
Well Fargo and it 's " agents '' have been HARASSING me for almost XXXX YEARS now. Several months after closing a checking account in early XX/XX/2004, I received a letter saying I owed XXXX nearly {$400.00}, but NO explanation of why. I demanded to know WHY they suddenly decided I owed them a bunch of money, and demanded a breakdown of the charges. They never sent another word, just sent it straight to collection. Since that time it 's been " sold '' to more agencies than I care to count. Lately people from XXXX have been calling XXXX times XXXX, including Sundays starting at XXXX local time and sometimes not stopping until after XXXX. Most of the time they hang up after just XXXX ring, or no one is there when answered, but when they DO answer, they refuse to tell you who they are until you give a bunch of information.
I have been a loyal customer of Bank of America for over 10 years, in that period that bank of would grant its customer 24 hours to correct the mistake of a overdrawn balance. However recently on XX/XX/2018 was charged 3 overdraft fees of XXXX  dollars each for transactions i did not authorize. I spoke to Bank of America 's customer representative named XXXX XXXX but she kept saying over and over again she would not refund the fees even though a full 24 hour period was not granted to me to fix the overdrawn balance before these fee were charges onto my account. I am struggling college with tens of thousands of dollars of debt already, i feel i have been fighting with BOA 's aggressive and predatory overdraft fees for several years now. Please help with this issue.
PNC B ANK STOLE {$420.00} OF MY MONEY, PROMISING {$300.00} FOR TAKING THEIR CREDIT CARD + CHARGING ME {$120.00} FOR NOT MAINTAINING A CERTAIN BANACE WHEN i WAS NOT REQUIRED TO MAINTAIN THAT MONEY.
Bank of America Loan No. # XXXX Phone No. # XXXX Monday - Thursday : XXXX XXXX. - XXXX XXXX Friday : XXXX XXXX - XXXX XXXX Saturday - Sunday : Closed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Countrywide Financial Corporation was my first and only lender until Bank of America bought Countrywide Financial Corporation on about XX/XX/XXXXAfter 5 long years of giving Bank of America all the documents they requested for working out a Short Sale the Short Sale personal finally agreed to allow me to do a Short Sale. Bank of America agreed to a payoff of {$200000.00} in which they would be paid in full. On or about XX/XX/XXXXI called Bank of America and customer service answered and informed me that they now longer service me and they sold my loan to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX, CA XXXX Loan No. # XXXX XXXX XXXX is my case manager # XXXX XXXX : XXXX My question is why would Bank of America sell my loan for pennies on the dollar and take a loss when they were going to be paid in full? Numerous times Bank of America has refused to produce requested documents for me and also to my real estate agent XXXX XXXX ( XXXX ). I dont believe Bank of America has a legitimate explanation and also cant produce the documents requested and thats why Bank of America sold my loan before the Short Sale could take place. Consumer Financial Protection Bureau : Complaint number:XXXX. Date Submitted to CFPB : XX/XX/XXXX. Date sent to Bank of America : XX/XX/XXXX. XX/XX/XXXX Bank of Americas short version Summary of Research : Please be advised that the service transfer of a loan is not related to the status of any loan review. Buying and selling of loans is normal business practice for all lenders. If you need additional information about servicing related inquiries, including short sale and title related inquiries, please contact the current servicer, XXXX, at XXXX. Now, I have no choice but to ask the same questions to XXXX XXXX XXXX XXXX. Consumer Financial Protection Bureau : Complaint number:XXXX. Date Submitted to CFPB : XX/XX/XXXX. Date sent to XXXX XXXX XXXX XXXX : XX/XX/XXXX. Consumer Financial Protection Bureau : Complaint number:XXXX. Date Submitted to CFPB : XX/XX/XXXX. Date sent to XXXX XXXX XXXX XXXX : XX/XX/XXXX. The XXXX XXXX XXXX XXXX Legal Department on XX/XX/XXXX transferred the complaint to the Customer Advocate Department for further research. On XX/XX/XXXX The Customer Advocate Department of XXXX XXXX XXXX , XXXX claimed that Bank of America only gave XXXX XXXX XXXX XXXX the servicing documents from XX/XX/XXXX. Thats when I refinanced with Bank of America and XXXX XXXX  XXXX XXXX therefore cant produce any of the needed documents and/or answer the necessary questions. The Customer Advocate Department of XXXX XXXX XXXX , XXXX referred me back to Bank of America for the needed documents. XXXX XXXX XXXX XXXX doesnt have any of the below documents and only Bank of America does.