WillisBack/dataset-financial-user-claim huggingface dataset:
A representative from " Nationwide Intermiediary Services LLC '' called me at my place of employment when I was not there and spoke to XXXX of my co-workers telling her I was being sued and there is a case with the Superior Court and gave her case numbers and detailed information about this issue. 
I called her back the same day and she told me I was being sued and that the Superior Court was involved and had a case against me. She went on to tell me I could resolve the issue by paying this debt today. I took her info and told her I would need to call her back. 
My wife and I both spoke with her about an hour later on speaker phone and she repeated most of what she had told me in my previous conversation with her but also went on to say that I could do " jail time '' due to check fraud and a list of other reasons. She also stated we had to resolve it today and that it was the deadline and that they already had a case against me and they would win, that we were targets because of our income. 
We chose to make a payment ( we were scared ) but are concerned after reading online about the company she says she is representing in this matter, She stated that " XXXX XXXX XXXX '' is who she is representing but then there is also another company involved called XXXX XXXX XXXX. WHO ARE WE PAYING and why? 
We have been completely strong-armed into paying this huge amount of money solely out of fear because of the threats and the personal ( and false ) information communicated at my place of employment. We don ' know where to turn for help in this matter.
Ditech aka Greentree has ripped me off with unsubstantiated late charges and other " mystery fees ''. When contacting them I spend hours of my life on phone. 
It is really very simple ; I have a schedule showing payments always made within the grace period. I have until XXXX of the month to pay. In cases where the XXXX falls on a non banking day that is supposed to roll to the next banking day. Not with Ditech / Greentree. That 's just another opportunity to rip off customers.
I received inaccurate information from a Bank of Americarepresentative that caused me to be charged XXXX overdraftfees, totaling {$70.00}. On a previous phone call with a Bankof America Rep., they informed me that the bank would notcharge me any overdraft fees if a transaction ( i.e. payment to a merchant ) was in a processing status and I would only be charged if the transactionwent to a completed status and I did n't have enough money to cover thepayment. But, on XXXX/XXXX/2015 BOA charged me XXXX overdraft fees while thetransactions were still in a processing status. When I call to make thebank aware of the charge, the supervisor XXXX apologized for theinaccurate information I received but refused to refund the charges. 
Based on the information, I received from the bank, I was acting in in good faith and thought all my merchant payments would be cover. 
Therefore, I do n't believe I should be charge fees for the bank providingme with incorrect information. I have enclosed a copy of my bankstatement for your review. 

In closing, I would like to thank you in advance for your assistance in this mamatter.
On XX/XX/XXXX, I sent a letter via Certified Mail, Return Receipt to Experian regarding three issues with my credit report : an entry from " XXXX/XXXX XXXX XXXX  '' ; an entry from " XXXX XXXX XXXX '' and an inquiry from " XXXX '' ( see attached letter and return receipt ). 

While the XXXX XXXX issue was resolved, the XXXX and XXXX issues were not : ( 1 ) The XXXX account is not mine. The collection account previously associated with this account, from XXXX XXXX XXXX, has already been deleted due to their inability to verify the account. 

( 2 ) The XXXX XXXX inquiry was not authorized. My XX/XX/XXXX letter requested proof that this inquiry was lawfully made, such as " a description of the records reviewed. '' Instead, I received a notice dated XX/XX/XXXX indicating that Experian had verified that both items belong to me, with no accompanying proof.
XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS INC 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.
Dear CFBD staff, After hearing about the recent Equifax breach, I decided to take advantage of the Equifax offer to provide free credit monitoring and a free credit report for one year under the Equifax Trusted ID program ( equifaxsecurity2017.com ). After enrolling for the program on XXXX-17, I received a message from Equifax that my personal information was affected by the breach. When I examined my credit report I noticed several hard inquiries that I did not authorize. I then contacted the companies listed under the fraudulent hard inquiries and was not able to resolve the issue. I then called equifax and spoke to a supervisor in the disputes department ( XXXX employee # XXXX ). XXXX informed me that there was absolutely nothing Equifax could do to resolve the issue. She informed me that Equifax has no power at all to remove inaccurate information in the inquiries section of my credit report, even if it is completely inaccurate or was initiated without my permission and even if I could not get relief from the company involved. This seems incredibly irresponsible and tone deaf to me especially in light of the recent breach at Equifax and especially considering that they confirmed my information was affected by the breach. Inquiries do affect my credit score and credit worthiness to potential creditors. 

The Hard Inquiries in question are : XXXX XXXX XXXX XXXX XXXX/XXXX When I reached out to the above companies, they told me that these were valid inquiries and could not be removed. I did not authorize nor do I know anything about these companies and I want these inquiries expunged from my report. 

I hope that this matter can be resolved now that I have contacted the CFPB. 

Thank you! 

XXXX
Experian is a major credit reporting agency. I have been trying to repair my credit. In XXXX my credit was XXXX. I started paying on debt and In XX/XX/XXXX my credit score was XXXX and 1 week later its XXXX. I had paid off 5 accounts in collection, I opened no new accounts, and it seems like after I cancelled my membership with experian my credit score dropped dramatically and being that I still have a basic membership I have been receiving emails frequently saying something is effecting my score. I guess to show me the drop in my credit score so I could want to sign back up for the {$25.00} membership. Please check into experian scoring process it may be misleading consumers about lowered scores to make them purchase services and when a person cancels fee services they lower your scores. Another thing it's taking them months to remove debts settled. So if you have a hard inquiry they'll lower your score because of the debts still on your report.
I have been trying to work with Specialized Loan Servicing company since XX/XX/XXXX on a load modification application. I sent all the papers they have asked for and every time i called them they would ask for the same papers that were sent over and over again. 
I started calling the lady that is handling my application instead of calling the help line and again i faced the same issues of her asking for the same documents. 
Last Monday XX/XX/XXXX i called XXXX who said some of the papers were not accepted becasue they were missing little details that i was never told about all the other times i had called. So i lost my cool from being frsutrated and overwhelmed for not getting the help i was asking for and for the process taking for ever before a resoulution is found. 
After i sent my papers last Friday XX/XX/XXXX i walled again this Monday XXXX and i left a message for that same person to call me back and she never did. So i called the help line and i was told the papers didnt download yet so i thought maye thats why i was not called back. 
So this morning i called again and left a message to be called back and no one called me yet and it has been 4 hours. In the past it would only take 20min for the call back. 
I have not paid in 4 months. I am very concerned about loosing my house, time is being waisted and no one seems to care. 
I need help!
I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a XXXX XXXX XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX .... XXXX/XXXX/XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX is charging for equipment which was picked up at the time of disconnection. The equipment was handed over to the technician. I have continuously disputed this on many occassions, yet they continue to report this debt. I have asked for the debt collection company to request proof, yet they do not send me anything. I am furious because they are allowed to report this debt, yet are not able to provide any proof as I have requested previously. I want to file a complaint against Enhanced Recovery company and XXXX as well.
LOAN : XXXX High Urgency Notice of Error As Nationstar has been delinquent on paying my AZ property taxes for AZ Parcel # XXXX XXXX for last 18 month, fees and penalties have been applied and a TAX LEIN will be placed on my property and may put my property up for auction. ( address removed ) As I have called in and requesting information repeatedly ( over 6 times ) for updates since XX/XX/XXXX with no action or contact until I call in again or send information again. Additional AZ penalties and fees occurred XX/XX/XXXX because of inaction. NationStar has given me no assurances they will pay any outstanding taxes in the future. 

I am requesting all correspondence, information, notes, customer and escrow services members information, call recordings, any correspondence with XXXX be sent to this email address. It does not need to be provided at one time, but over the next 72 hours attn : Nationstar Loan # XXXX This has been an ongoing issue an 1 ) Nationstar needs to pay the taxes THIS WEEK and 2 ) do not ATTEMPT to charge/bill me any accrued late payment penalties or interest charged because of your delinquent payment. I am passing this information on to the federal Consumer Financial Protection Bureau. 

This is a breakdown of a process at Nationstar and effects my home and the children who live in it. This is not a joke.
1ST OF ALL I FILE CHAPTER XXXX BANKRUPTCY 2ND US BANK FAILED TO REPORT F.C.B..A. DISPUTE SEE Attached letter.
School : XXXX University - XXXX, XXXX elected and agreed to a Reduced Rate Payment Plan with Navient/XXXX. In addition to being charged incorrect interest rates, my monthly payment was incorrectly allocated which is resulting in late fees and a delinquincy notice. After speaking with about XXXX customer service representatives and a call time of over XXXX hours, no resolution had been reached.
I was coached into forbearance with accruing interest instead of information on income based repayment options. The lender charged a daily late fee on each of my individual loans. I borrowed under {$30000.00} and owe today over {$57000.00}. I recently qualified for Income based repayment. Navient destroyed my credit. When out of forrbearance and unable to my pay my income was garnished 20 %. Because my college failed to coach me to change from an XXXX Degree to a XXXX Degree when entering my third year with two XXXX level classes not taken. I was no longer eligible for financial aid and never competed my XXXX Degree or my XXXX. Without the degree I remained in the same employment pool as a High School Graduate. Navient, my college and XXXX XXXX XXXX all failed me.
My name is XXXX. and I am an XXXX american ( XXXX ) male entrepreneur that self started a limited liability company in XXXX New York in XX/XX/2015. After starting the business I opened a business line of credit through the XXXX. branch at First Niagra bank which was recently sold to Key bank. The business line of credit was established for {$20000.00}. I was excited and pleased with this even though my request was for {$50000.00}. As a result, I referred one of my friends who happens to be a non-black. He has about the same credit score and income as me. I know that economically we are almost identical because I helped him to improve and understand his credit. We work at the same job and I showed him how to establish an LLC. He was approved for {$50000.00} as a start up and showed no income whatsoever. On XX/XX/XXXX I met with the branch manager to request an increase on my line of credit. My credit score was XXXX Fico. I had established about {$15000.00} in annual business revenue, {$65000.00} in personal income and my wife makes between $ XXXX annually. I was told that the decision is primarily based on credit score and that the decision would take no longer than two business days. I had not received a response by the following wednesday so I called in for a status update around noon. I was told that the branch manager would follow up with me the same day it did not happen. The following day I called in again and was told the same thing. I even sent an email. By Friday I had not heard anything so I called in just before the bank closed. I was put on hold for an absurd amount of time, almost XXXX hour before being told that I was denied because of my income. I felt like I was treated poorly from a customer service standpoint. I was put on the back burner when I have been a customer of the bank for over a year. In addition to being treated poorly, I also felt that something else was going on. I have an XXXX, I am no fool. How could my non-black friend receive $ XXXX with no business income and the same credentials as me. I feel as though I am the victim of lending discrimination. That is the only reason that I can come up with. We are virtually identical on paper. The only difference is the XXXX of our skin.
In   XXXX   XXXX  , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all three credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   when I was trying to short sale the property that the lien was attached to .   XXXX   XXXX   XXXX    could never find the account.     Experian removed the account. Equifax updated the account as closed in  XXXX . Transunion added a second account with a different account number in   XXXX   XXXX   saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred   XXXX   XXXX   XXXX  hat the original lien was attached to.    2.  I do not own any property for   XXXX   XXXX   XXXX     to foreclose on.    3. This loan was sold 3 times since opening in   XXXX   ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.
I transferred XXXX MR points from my american express membership reward account XXXX to XXXX XXXX XXXX on XXXX and it was successfully transferred on the same day. XXXX made another transfer of the same amount XXXX on XXXX and could not explain where the points went and I did not receive the other XXXX points on my XXXX account.
I have been a cardholder of rushcard for over 8 years. I chose to use rushcard for my payroll direct deposit and have trusted them for my financial services. Since XXXX/XXXX/2015 I have not had any access to any monies on my prepaid debit card and I am unable to perform any transactions such as paying bills or withdrawals. This has affected my daily life tremendously.
I have a student loan with Navient which took over XXXX XXXX. I have tried on many occasions to ask them to apply overage payments to the principal and they refuse saying they have to take it off of the next payment??? I do n't know if that is legal. If I pay the entire payment including what would go to interest, I thought I have the right to direct the surplus to paying off the principal. With XXXX XXXX we were able to check a button that said apply to next payment or apply to principal. I ca n't do that with Navient?? I have even written to them to apply it to the principal and that does n't work either. What are my rights?
I had to resign from a very stressful job XXXX XXXX as a XXXX XXXX XXXX woman due to the health issues it was causing me : I had XXXX twice in a 6 month period and was XXXX. Acording to my doctor, I 'm XXXX because of the XXXX and a XXXX that has been plagued with injuries. I was on a low repayment with 1 % interest on private student loans from Navient, but that plan ended 7 months after my resignation. Despite the fact I am XXXX, I am making less than half ( if I am lucky ) than the year before, XXXX pay for health insurance and my expensive perscriptions losing money on the property I was renting and still trying to keep up on other monthly bills all while living with my parents again. I got behind in my payments with Navient, especially since they were expecting almost twice as much money from me. They call me sometimes seven times a day on auto dial- and when I can answer it 's just a pre-recorded machine telling me to call them back later. Well, I have a XXXX and legitimately forget to call them back. They also had the wrong address on file for me. I was finally able to make a payment, and the very next day they started auto dialing me again!!! I feel like that is harassment. I also spoke to someone on the phone the day when I made the payment, she said she would be my account manager and would talk to me next month about other options, such as lowering the total amount I owe by a certain percentage, but today when I spoke to a supervisor, I was told that is not possible because my loans are private, not federal. I want the constant harassing phone calls to stop! I ca n't pay you another payment when a day has n't even passed for me to receive a paycheck! I ca n't answer my phone when I have XXXX children sitting in the room with me learning about the world. This company is so irritating, especially when they are dealing with people paying off loans for education, not clothes or cars, but schooling for people to advance their careers and lives.
Hello. I paid off a car loan that I had with Bank of the West. They sent me a " Certificate of Title, '' and told me in a letter with the title, to take it to a titling agency to release the Bank of the West lien. I called a couple of titling agencies who said they do not do that. I then called my LegalShield lawyer service who said I must take it to the DMV to update the title, but that Bank of the West is shirking their responsibility in making the customer take this step. ( I did not have to take this step when I paid off my first car loan. )
I am in the process of purchasing a home. A critical task to qualify for the mortgage is to remove my name as an authorized user for the Bank of America credit card, account number XXXX. I contacted your office on XXXX/XXXX/16, requested to be removed and for written conformation to be faxed or emailed so that I could provide it to the mortgage company. For whatever reason, you stated that you could not fax or email the letter and that you would have to mail the letter confirming the removal. After waiting three weeks, I contacted your office again on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16, to request written confirmation. Since you failed to send anything after the first request, I demanded, and you agreed, that fax the letter directly to the mortgage company and mail it again. The faxes never went through and I have not received it in the mail. Without this letter, I will not qualify for the mortgage ; I will suffer financial losses and lose out on purchasing the home of my choice. I do not understand why you can not scan and email this very simple letter and why you would treat a valued customer in this manner. I would like the letter scanned and emailed to me immediately.
I currently have XXXX accounts with Chase XXXX personal and XXXX joint. On my personal I was charged XXXX {$34.00} dollar charges for insufficient funds on my personal acct. As far as I understand if you cover your insufficient fund fee before the end of the night you are ok. My fianc quick paid me the money at XXXX, I had no idea that there was a cut off time and the money would not go through I received an email and on my phone app it showed the money as positive. They are staying I signed the terms but honestly I did not read line for line nor did the person who opened acct explained. The only thing I am aware is the if you have insufficient funds you will get charged if acct stays negative. I have money in my joint acct do you think if I knew this would have happened. I attached XXXX pictures XXXX of my email confirmation of quick pay and also I transferred the remainder XXXX of the negative from my other joint acct last night my app showed me positive. You can see XXXX*XXXX=XXXX my acct is -XXXX I have not made any transactions since last night. Which shows the act was not negative. I did not know there was a time limit to quick pay believe me if I did I would have transferred the money from my joint acct which is with my fianc same person who quick paid me. This is unfair!!!
I applied for a mortgage refinance loan on my existing home and I was denied because the credit report that my lender pulled showed my scores as XXXX ( XXXX ) XXXX ( XXXX ) and XXXX ( XXXX ). However, when I review my credit and my scores on the websites due to my paid member ship, they show my credit scores as XXXX XXXX XXXX XXXX and XXXX ( XXXX ). I contacted the lender and the credit agencies and no one can explain to me why the huge discrepancy in the credit scores that I am paying for through the credit agencies and the credit scores that are being provided to creditors. I do n't know if there is a true purpose in monitoring my credit scores and paying a monthly fee to each of the XXXX credit agencies if I am not getting accurate and/or complete information.
Santander bank is constantly calling and leaving robotic messages. I do not have an account with them and they are asking for someone named " XXXX ''. They call a couple times a day and leave messages saying that " XXXX '' should call and enter a PIN to retrieve her message about her account. A search on the web revealed that there have been others who have had this happen, and when they contacted Santander Bank, the agent said that they could not remove the telephone number on file. This is outrageous. I have never done business with this bank, and they have the WRONG number.
On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, Experian, and XXXX, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.
My social security number was stolen to apply and open accounts on my credit file. Equifax refuses to remove the fraudulent items on my credit report due to ID theft. I do not know who opened the accounts in my name but they are not mine.