WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Midland funding because of a debt that i saw on my credit report and they claimed that it is from XXXX and i informed them of the fact that i have never had an account with this merchant in my life and i demanded proof of debt or for them to remove from my credit if they could not find it. i also mentioned that i was prepared to take legal action they they did not reply or fix this error and they replied saying that they needed my lawyer contact information and they will speak to them. after that i sent out another letter to them explaining that my lawyer is not the issue and that they are the issue and that they have now violated my right and they have not provied proof but but they continue to report false debt on my credit and i demanded that they fix it immediately or provide my with proof of this report. it has been almost 2 months and they have not replied to my last letter or have they removed this false report from my credit. i sent them a return receipt enveloped and i track the package and it was delivered to them since XXXX XXXX they continue to ignore me and have not responded or removed this false report from my credit
On XX/XX/19 I called Capitol One and made 3 payments to catch the account up-to-date per emails and regular mail I received.

XX/XX/19 {$120.00} XX/XX/19 {$120.00} XX/XX/19 {$120.00} The woman that I spoke to at Capital One repeated all the information and the dates and they were correct.

That evening I went to dinner and was unable to use my debit card and I was sure that I had enough money.

The next day I checked my account on the phone and {$120.00} was taken out by Capital One as of XX/XX/2019, which I did not authorized. This caused my account to be overdrawn, an overdraft fee of {$37.00} applied to my account and to have no money left that I had allocated for groceries and gas.

I called Capitol One and they were able to put money back into my account. But to call my bank and it was up to them how long it took for the money to be returned to the account. My bank said the way Capital Bank took the payment out, they could not control how fast the money would be returned to the account.

Finally the last person I spoke with gave me the fax number of the corporate department, but I was not allowed to talk to anybody in that department. I did sent a fax on XX/XX/19.

The bank 's customer service is horrendous. I have been calling back and forth and have spoken to several people : 1 woman cut me off, 1 woman left me on hold for over 15 minutes, 1 senior manager was condescending and threatening.

I fail to see how it could take Capital One only a few hours to get the money out of my account unauthorized, but it would like a week or more to have the money returned to me. It should be directly returned to my account.
This debt is not mine. I 've been disputing this since it was with XXXX in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.
We have XXXX XXXX Account ( {$28000.00} ) account number XXXX, and there is two listings on the Equifax report. 
May we please have the second one ( {$28000.00} ) account number XXXX removed as it is does n't exist or it is a duplicate We only have one account with XXXX from XXXX XXXX XXXX/XXXX. 

XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} XX/XX/XXXX PAYS AS AGREED - Co-maker BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax XX/XX/XXXX ____________________________________________________________________ ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} 09/2017 PAYS AS AGREED - Joint Account COMMENTS FIXED RATE BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax 09/2017
My credit report shows an inquiry from XXXX XXXX XXXX / XXXX that I did not initiate
My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- Transunion , and XXXX. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.
I get a message that my escrow account is short {$560.00}, I pay that, send it in, then I get another message that since I sent in the {$560.00}, they assessed my account again and found I 'm short again {$68.00}. In one month my account went up {$43.00}. This is wrong.
Barclays Financial canceled my credit card, because they stated that my credit score decreased. I 've been dealing with unemployment and have entered into payment agreements with all the accounts where I am delinquent. However, I have never been delinquent on the Barclays account. Can they cancel my credit card anyway? I thought they could not do that as long as I was up-to-date in paying them.
My loan was sold to a different servicer. I set up bill pay with my bank. The new servicer rejected my first payment. When I called to find out why, they advised that they had received my payment but were rejecting it as their policy was to not accept bank billpay for the first payment after a transfer. I asked how I was to know that and the agent referred me to my welcome package. We reviewed the welcome package together and the agent, and a supervisor, confirmed that nowhere in the welcome package did it indicate that a billpay payment would be rejected XXXX the instructions even provide a reminder to update the billing information with the billpay provider! XXXX. When I raised this with the supervisor, she advised that they knew the welcome package was wrong and they had not gotten internal support to update the letter content to indicate that initial payments would be rejected. I let her know that I could not believe they were letting this happen as it would mean that every transferred customer would have a rejected first payment and therefore a late payment. Her response was that late charges would be waived - I told her that was not the point as we were not intending to pay late. I was given the option to make another payment with the agent to replace the one I had already made that was rejected - for a {$15.00} fee. Completely unacceptable service from Seneca XXXX Servicing.
Equifax is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends and there is also another XXXX XXXX at my employer. I have contacted Equifax three times and showed them the documents from the collection agency and that these documents do not support their claim that this debt belongs to me. Each attempt to work with them has failed. Since I started contact them in 2016 more then 30 days have pass for them to provide anything else or continue to report this on my credit report.
My ex-wife was ordered by the Florida courts to pay the XXXX XXXX XXXX mortgage and to remove my name from it, she did not do that.
On XXXX XXXX, 2017 I logged into XXXX XXXX and I see that my XXXX XXXX account and my XXXX XXXX account is not showing up on my account and has cause my length of credit history to go down and my credit utilization has gone up due to these accounts being removed from my account.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX , 60 days  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I applied for a Affordable Modification Program on XXXX XXXX / XXXX my Mortgage XXXX named : U.S. Home Mortgage Bank ( my Relationship Manager is, XXXX XXXX ). I have placed severalcalls to get my status to find out that it is still in Gate Keeping. I amconfused of how long this process is taking ( approaching four months ) as I have been told it has not reached the Underwriting department. 
I need assistance with who ever is in control to investigate to find outwhy this process is taking so long. My reason for applying for thisModification is due to loss of job and finding new employment witha much lower salary then what I was making when I XXXX took out theloan. This is a Hardship on me to carry all of my financial obligationsand make my high mortgage payment on time. Clearly, if they reviewall of my financial statements that I included it will prove that my salaryis much lower. Please Note : Each time there has been a request fornew documents, I have submitted them immediately in hope to movethis process along. Please put me in touch with someone that canassist me in this critical request for financial relief.
XXXX 2015 was a record XXXX in XXXX Washington. As I was moving into property at XXXX XXXX XXXX WA. It was changing from XXXX level to XXXX level evacuation. Fortunately that area was allowing traffic to flow both ways and on good days I continued to move in. After spending nearly {$10000.00} cleaning, repairing broken pipes, pumps, electrical issues and roofing, I was able to pass XXXX and XXXX inspections and finish moving in. Both Wells Fargo XXXX XXXX XXXX XXXX were informed by the Owner that we had a lease agreement and that I was occupying the residence. In XXXX 2015 there was a Sheriffs sale and the next day someone trespassed and changed the locks on the house while I was out of town. When I tried to file a criminal complaint the Sheriffs office told me, " The Bank ordered the locks replaced. '' Neither Bank admitted doing this criminal act and the company ( XXXX XXXX XXXX, XXXX XXXX WA. ) handling the Sale of this property denied having the locks changed and then agreed there is a year of redemption in effect with the owner. The trama & frustration was devastating. XXXX has a class action law suit addressing this issue state wide. Thousands of renters, lease agreements and present owners have been locked out illegally. This should never happen to legal occupants and I pray restitution for these actions.
Creditor : XXXX XXXX Credit Bureau : XXXX   XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX  on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or XXXX   who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
My husband had a XXXX XXXX XXXX 3 years ago and can no longer work. We are a XXXX income household. My XXXX is the only income we have. We have requested a mortgage modification at least XXXX times from JP MORGAN, CHASE only to be denied each time for different reasons each time. We finally applied for a forbearance. After over a year of filling out paperwork over and over, they granted the forbearance. CHASE sent us a contract to sign telling us to make 4 monthly payments of XXXX starting in XXXX 2015. We sent the first XXXX payment on XXXX XXXX, 2015 through XXXX XXXX. We sent it early to make sure CHASE received it in time for it to be credited by XXXX XXXX, 2015. We called XXXX XXXX and CHASE informed us that they did not receive to payment. We called XXXX. They told us that CHASE did receive to money and gave us a check number that was received by CHASE. Called CHASE again, told they still did not receive money and no record of check number. Called XXXX again. XXXX verified CHASE did get money. On XXXX XXXX, 2015 received letter from CHASE stating that the XXXX had been RETURNED TO XXXX because it was not enough to bring the mortgage current. Called XXXX. They showed no record that CHASE had returned money. Called CHASE again. Cust. Serv Spec. told us that the money was returned because they did not show our mortgage as being under forbearance. CHASE told us to send money again as we were still liable under contract for the XXXX for XXXX. We DID SEND THE MONEY IN THE FIRST PLACE. So first they tell us that they do n't even show us being in forbearance, they in they same breath tell us that we are under contract for the XXXX and must send it again or they will CANCEL the forbearance! What?! We want to know how to sue JP MORGAN, CHASE for our home and emotional stress. I am terrified every day that this is going to cause my husband to have another XXXX XXXX or that we will get an eviction notice. How do we get in on or start a CLASS ACTION SUIT against CHASE? We have called Legal Aid and HOME here in VIRGINIA and they can not or WILL NOT help us. Please tell us where to turn.
I received a court summons on XX/XX/2018. I immediately called the law firm representing the debt collector in order to establish a payment plan for the debt. I made my first payment that very same day. 

During the phone call, I was concerned about the continuation of this lawsuit and a judgment being held against me for the debt, so I asked the representative on the phone if I should answer the lawsuit or not, and she advised me to not file an answer, since I just agreed to pay monthly. 

I offered a settlement via email to the law firm two weeks ago of roughly half the amount of the debt and it was never answered. 

I just called the court today ( XX/XX/2018 ) to confirm the lawsuit was dismissed, and the court confirmed that the law suit in fact had NOT been dismissed and I only have one business day left to submit an answer to respond to the law suit. 

I called the law firm today as well ( XX/XX/2018 ) right after and inquired about my debt, the law suit, and if they would be willing to submit a voluntary dismissal because I am making monthly payments and have agreed to pay my debt. They refused and repeatedly stated they want a judgment from the Court against me. I am unsure wether or not my monthly payments are actually going towards my debt, or if my payments are being made in vain. 

The law firm did offer a letter stating my balance of my debt. That doesn't help me and still doesn't explain or confirm what the law firm will do once my debt is paid. 

I wanted, in writing, an agreement with the law firm and their client, to dismiss the law suit in exchange for me making monthly payments, and they said they would not do that. The representative also stated that the lawsuit will remain open and that they will continue to pursue the judgment wether I make the payments or not. I don't know if they have updated my balance with the court after making my first payment.
I would like the CFPB to make me a spot check of the abuses going on with the servicers and investors in the rapacious mortgage industry. 
I truly believe I have now PAID {$320000.00} of {$580000.00} I DO NOT OWE and lost a duplex to wrongful foreclosure. There are deeds of trust recorded with duplicate releases and subordination agreement to mortgages I have paid or never had and assignments of deeds previously paid. I believe I have paid debt buyers for credit cards that were first of all prepaid from my escrow account repaid in the payments I made to the cards AND finally discharged in a bankruptcy I did not need on debt I did not have. Disbursements were added to the mortgages first to the property I lost because of it and then added and now paid to the modification of home loan. Finally I also believe claims were made to a XXXX XXXX seasoned trust that they thought I owed and paid and then transferred to another servicer. 

I borrowed {$210000.00} in XXXX. I have literally paid {$720000.00} to principal. 

I had an {$82000.00} line of credit that was extinguished -because it was paid. 

I owed {$43000.00} for my duplex in XXXX paid {$70000.00} and owed {$53000.00} at the foreclosure for the {$13000.00} added in a refinance. AND I believe was already included ( addeded into my home loan by XXXX XXXX-one of the companies paid twice ). I believe another loan I owed for a property I had sold with a wraparound mortgage was attached through subordination agreement to the duplex and didnt count the {$47000.00} I believe I overpaid and was never mortgaged and I did not owe to anyone. 
I have submitted mounds of documentation to the Cfpb and made 2 submissions to the independent foreclosure review. ( That SPS can not provide and XXXX XXXX and XXXX did not provide and XXXX XXXX has yet to provide ) I was included in multiple class action suits administered by XXXX XXXX and have received exactly {$0.00} in compensation or restitution from XXXX XXXX.
XXXX XXXX was my original mortgage company. The ownership of my mortgage was transferred over to XXXX XXXX XXXX XXXX XXXX. 
But they are not the servicer of my loan. The servicer is Specialized Loan Servicing LLC. The Loan was transferred XX/XX/2018. 
Since the transfer, I have not received a detailed statement ( escrow balance, payments made on my behalf, verification of homeowners insurance and property taxes paid ) or ANY statement for that matter. I have called several times only to be promised a statement to no avail. 
Not only do I not have any way to pay my mortgage without a statement, they want to charge me a service fee to pay over the phone! 
I have escalated this issue to the managerial level several times and have been promised I will receive a statement. I have NOT received one to date.

I am concerned that there may be some sort of fraudulent activity with this company.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX, XXXX and XXXX XXXX/XXXX/XXXX which was not authorized. An official dispute of this was sent to Capital One XXXX/XXXX/XXXX however ; Capital One mailed my client a letter informing him this office 's investigator was added as a POA to the account of dispute. First, this office and our client never disputed an actual account, we were disputing a fraudulent application that left an inquiry and second Capital One has asked the POA to provide proof of their capacity by providing person financial data and information not required under any consumer law. 
All of these actions are gross violations of federal consumer laws.
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the  XXXX  day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  XXXX  compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
I received my JC Penney credit card within the past week or so, and after closer inspection of my welcome packet I noticed that the information sent to me was in Spanish. 
I do not speak Spanish, and have a hard enough time with the English language to take on another language. So I called the customer service number on the back of the card and asked to speak with a supervisor. 
I did not write down her name but I had to go through other people to get to the supervisor. The phone call was placed on XXXX XXXX, 2017 at XXXX XXXX PST and lasted for 13 Minutes and 26 Seconds. I explained the situation and asked that the information that was sent be re-sent in the English version. I was informed that that was not possible, as they do not resend welcome packets, but I could go online and read the information online. 
I told the supervisor that that was unacceptable and that since I could not read the information sent to me that I was not liable for the charges. I did make charges to my card on the XX/XX/XXXX using the temporary card that was provided on opening the account. 
Supervisor claimed that I selected Spanish while opening the account. I can state for a fact that I did not select Spanish. Customer Service person may have but I did not. I also asked for a {$50.00} credit to my account for my inconvenience, and this was refused. 
I was told that going forward all correspondences would be in English, however the important information and coupons sent would not be re-issued in English. 
You may want to ask them to pull my phone call see above for time and time call was placed and for duration of phone call.
Hello, My name is XXXX. I initially had a student loan with Sallie Mae, and now it is transferred to Navient. The loans were disbursed in 2006 for a total amount of XXXX. And a total of 8 different loans. Some of the loans were deferred without my knowledge for 4 years. So basically after 13 years my loans are still owed XXXX. So I have only paid off XXXX dollars. I have calculated that I have actually paid XXXX in total payments to Navient. I will attach the file I pulled from Navients website as proof. All eight loans have different percentage rates, and it is all very confusing. I feel as though Navient, and Sallie Mae have taken advantage of me, and that I have lost a good amount of money because of their negligence.