WillisBack/dataset-financial-user-claim huggingface dataset:
Experian has placed a charge off on my credit report with it also saying I owed a certain amount of money. I have contacted the creditor who does not have a account with me and I contacted the Bureau experian with no response except verified. I requested a method of verification and it has never been provided. XXXX XXXX XXXX have no account with my information and experian has it posted on my credit report
On XX/XX/2018, I had apply with a loan with XXXX XXXX through a mail advertisement of being preapproved for up to {$4000.00} on an installment loan. I applied on their website at XXXX and was approved for {$850.00} credit limit with a 360.00 % interest rate. I had every intention to pay this loan in full within 28 days because I did not want to pay on this high interest loan. I was dealing with a hardship after being out of work and receiving treatments for a XXXX  XXXX. Due to this hardship there were a number of occasions where I had to change the due date for a later date. To date XXXX XXXX debited my account {$790.00}. XXXX XXXX increase my credit limit with an additional {$150.00} which I have no intention of using and I still have a balance due of {$790.00}. If I was able to pay off this balance today the amount that XXXX XXXX would receive from me is {$1500.00} for a {$850.00} loan
I have a credit card account with Best Buy Credit Services. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( XXXX XXXX XXXX ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH Citibank ( Best Buy ) and XXXX. Despite my attempts to make payment, Citibank wo n't take a payment and refers me to XXXX. Furthermore, XXXX indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is Best Buy billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is Best Buy still billing me? Why is XXXX indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). XXXX has also advised that interest and late charges can still accrue, which suggests that Best Buy has not passed they debt. Please help.
Pan Am Collections repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by Pan Am Collections and XXXX XXXX XXXX XXXX XXXX  are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the XXXX  collection fee was paid. Finally, law office left message on XXXX/XXXX/XXXX requesting I call. The call was returned by me on XXXX/XXXX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me on XXXX/XXXX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address Pan Am Collections and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX have utilized previously.
I had a legal name change in XXXX and another legal name change in XXXX with a divorce back to my former name. I want the credit report to be in my current legal name and show the other name from XXXX as an also known as name. I have spend 2 years trying to get TransUnion to correct my name on my credit report. The only accounts I have have been reporting my credit in my current and correct name. TransUnion says they can not change my name, but I have to have the creditors report it to them. All the open accounts have reported as my current legal name, yet TransUnion continues to insist on refusing to have my current legal name as the primary name on their credit report and continue to use at the AKA name as primary. I am concerned that other persons with my former name at my former address may have the opportunity for identity thief. I do not want an old AKA name as the primary name. TransUnion continues to refuse to correct my personal information saying it is the responsibility of my creditors.
I had the " Equifax Credit Watch Silver with Credit Report Control ''. Product from Equifax. Now there was a feature in that product called " credit control lock '' which allows the customer to lock and unlock the credit report. I have never turned that feature on, but my credit report had the lock on it. it 's been couple months that I tried to get the lock removed and hours of phone calls with several department within equifax. No luck in getting it resolved. Still today my credit report is locked and when I apply for credit I get declined because its locked. 
I need them to please fix it.
Champion Mortgage refuses to process any of the documents we have submitted, we have on multiple occasions sent in residency verification letters, authorization letters, copies of our insurance and they continually deny receiving the paperwork. I have been placed on hold for very long periods of time and can not get anywhere with them. They are negligently and purposely not processing paperwork in order to have an excuse to foreclose. They have now begun foreclosure proceedings due to non occupancy and an incorrect insurance and taxes balance because of their negligent actions.
Someone by the name of XXXX applied for a loan with XXXX XXXX and gave them my cell phone number. I have received dozens of calls from lenders as a result of XXXX XXXX sharing my cell phone number. I have been promised several times that my number would be removed from XXXX XXXX and the call would stop. This has not been the case as I still receive call to my cell phone XXXX.
OUR PRIMARY HOME IS IN LISTED ON SHERIFF SALES FORECLOSURE BY WELLSFARGO BANK FOR XX/XX/2016. WE WERE APPROVED FOR XXXX TRIALS AND THE PAYMENTS WERE MADE ONTIME, BUT THE PERMANENT LOAN MODIFICATIONS WAS HIGH AND NOT BASED ON THE INCOME AND BUDGET. I CALLED AND EXPLAIN TO WELLSFARGO TO REDUCE THE PAYMENTS, THE DOCUMENTS WERE SUBMITTED FOR MODIFICATION BUT THE BANK REFUSED TO HELP WITH NO OFFICIAL LETTER STATING DECLINING. THE NEXT THING WAS THE BANK SENT A SHERIFF SALES DATE FOR THE FORECLOSURE ON XX/XX/XXXX. THERE IS NO WHERE TO MOVE TO AS WE HAVE NO ALTERNATIVE HOME WITH ALL THE FAMILY MEMBERS OF XXXX. PLEASE KINDLY LOOK INTO THIS AS WE WANT TO KEEP THE HOME. LOAN NUMBER IS XXXX WELLSFARGO BANK. THANKS
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that  neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with XXXX. He then informed me that it was for my XXXX XXXX XXXX In which I bought from XXXX and not XXXX. I have had my vehicle since XXXX so I am not understanding why XXXX ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with XXXX or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : XXXX XXXX XXXX Not Proven Compliant Account : Inquiry from date XX/XX/XXXX
Continue case # XXXX, CHASE has admitted that on XXXX/XXXX/XXXX I requested a stop-payment to XXXX. I meant I requested CHASE to stop all payments to XXXX from XXXX/XXXX/XXXX on and to the future because I had a dispute with XXXX on their services, and CHASE 's representative at that time had clearly promised me that she would not accept any charges from XXXX. I am totally against CHASE 's newest statements responsed to CFPB on XXXX/XXXX/XXXX that stated " the representative informed you that because no transactions had previously been made with XXXX XXXX, we could not place a stop-payment for them on your account. ''
There are XXXX items on my report that I have disputed now for about a year and all the bureaus has said is they have investigated and it remains. If they did they would have seen what I am disputing. XXXX company, XXXX, keeps reporting the original amount I owed on both accounts, instead of doing a reducing balance method. I have my receipts and I spoke to them about it too. The woman there told me she would not change the balance until I was done paying it all. I am paying XXXX the same deal and they reduce my balance every month that I pay. I have disputed it twice before and lately again. No response. 

The other thing is from credit XXXX cc company. They sold the bal to a collection XXXX. They are both reporting this on my credit report. I have spoken to both of them and no response. Now I have disputed it with transunion and XXXX has gone ahead to report it as brand new in XXXX. Both are still on my report. 

I would like to have those items either reported correctly or removed and not to started over as XXXX is now doing. 
Thanks.
I am trying to determine whether or not my student loans will be forgiven. I am a XXXX employee and I have my ten years of service. I have been trying to get my service provider to make a determination as to whether my payments will be counted toward forgiveness. Twice, they've told me they will review my case and get back to me. They have failed to do so as of this date ( XXXX-XXXX-18 ). Six months, this has been going on. I just need to know if my loan will eventually be forgiven. They also implored me to participate in the income based repayment plan which actually caused my monthly payment to go up by {$20.00}. Please help.
XXXX ( now Navient ) did not do what I asked them to do, and misled me. Around 2010 I became aware of the Student Loan Forgiveness Program and called XXXX to enroll because I work in the non-profit sector. XXXX had me move my loans to the DOE and said I was enrolled. But they did n't tell me that I was not in the correct repayment program so my payments since then have not actually counted. When I found out about this last year I called them and they said they would review their notes and get back to me - but they have not contacted me since.
I received a text message on XX/XX/XXXX from my general manager at my place of employment letting me know someone was trying to get in touch with me and he gave me their information. I called the number and gave them the reference number. I was then transferred to a gentleman claiming to be from XXXX. He had all my information, social, amount I currently have available on my credit cards and so on. He told me I owe money for a credit card I had in XX/XX/XXXX. I asked why I had n't received anything in the mail and he told me they had sent it, the mail service can be unreliable. I said I wanted something in writing from them, to prove they are who they say they are. I mentioned that I had n't seen anything on my XXXX credit report and he said it was because I needed to check my XXXX one. I told him bottom line I did n't feel comfortable settling for XXXX and issuing a credit card payment without any knowledge of who they are. He said he could send me a generic email, that would n't pertain any type of payment information to set up, just general information. I was leaving for work at the time and he did send the email which did n't even contain a letterhead. I google searched the number they had called from, XXXX, and found numerous complaints about threatening and harassing calls. I also bought my experian credit report and found that a company, XXXX ran a credit check on me on XXXX XXXX, which would explain how he had all my information. I searched that company and found a phone number but when I called that company it was a voicemail saying if I left a message someone would return my call in 24hours. I left it at that. Then today, XX/XX/XXXX around XXXX someone claiming to be from XXXX? called my place of employment asking for the address and my name, my employee then gave the phone to me. It was a woman claiming to be from a processing server company who told me they were planning to come to my place of employment within the next hour to serve me with papers that would require a signature, I said that was fine. She then repeatedly asked if I wanted a number so I could call and have the serving of the papers rerouted, I said no, its fine. She asked what time I would be here until and I said I 'll be here all day. It 's now XXXX EDT and no one has shown up. I explained to my general manager what was going on and apologized for the phone call. He told me that when he was contacted yesterday the woman on the phone was telling him they needed to contact me immediately or that was it, I would lose my chance of any resolution. He also said that he was received numerous call from who he assumes is them again today but he was not answered to avoid any further problems.
This is a complaint against Nationstar Mortgage for failing to comply with the Deed of Trust, not releasing phone transcripts as requested, and poor business practices by failing to contact me about my concerns as promised within the time allotted by them. 

I called Nationstar Mortgage on XXXX/XXXX/17 at XXXX Pacific time, to confirm that the money above my previous monthly bills have gone toward my principal pay down. The rep stated that they had NOT been, but instead, I was on a " PLAN '' that held them toward future months payments. I had asked why I was on the plan or who put me on the plan. He could not answer that. As of that date he then changed my " PLAN '' toward paying down the principal. I requested a manager call me back with an answer. He said it would take 5 business days. As of now XXXX/XXXX/17 XXXX Pacific, I have not heard back either by phone or email. I also requested a transcript of out phone conversation. The rep said there is NO WAY of doing that. After probing, I insisted that IT IS possible through the consumer relations dept. He then gave me an email to contact them, which I requested the transcript, and still have not heard back yet about a description, answer, or resolution. 
In my Deed of Trust attached below on page XXXX section XXXX it states the order priority of payments. ( a ) Interest due under the note ( b ) Principal due under the note ( c ) amounts due under section XXXX ie. Funds for Escrow Items. Such payments shall be applied to each Periodic Payment in the order which it became due. ANY REMAINING AMOUNTS SHALL BE FIRST APPLIED FIRST TO LATE CHARGES, ( there are none ), SECOND TO ANY OTHER AMOUNTS DUE UNDER THIS SECURITY INSTRUMENT, AND THEN TO REDUCE THE PRINCIPAL BALANCE OF THE NOTE. 
To my knowledge, Nowhere in that section does it say there are separate " PLANS '' of payment, or who chooses those " PLANS ''. 

I am very frustrated with Nationstar Mortgage breaking the law, and ask that you investigate on my behalf since they are failing to answer and comply with simple requests. Thank You
I can not access my Ally savings account via online, mobile or via telephone. It 's been over 2 weeks since I 've been able to access my account or even verify what my balance is. I 've called Ally on numerous occasions and I 've been told that it is an IT issue. I am refused my balance and twice I 've requested a bank card to no avail.
I set up an account with credit check total and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX.
On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XX/XX/XXXX XXXX and an unknown account with no viability or descriptions ; XXXX California # XXXX. 

XXXX California is not verifiable, valid or an actual account. I never owed the state or city {$88.00} and I have no outstanding debt and never have before. What is this? Remove it please. 

So, basically the dates are not right for XX/XX/XXXX and I would like the bureau to delete the account completely considering the delinquencies are actually from XXXX but for some reason were not reported until XXXX. Delinquencies were not from XXXX. The card was already closed in XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ). 

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present.
Our home was damaged during Hurricane Michael. In the month following the storm, we the homeowner, paid out of pocket for tarping, emergency remediation and a new roof in order to protect our home and the mortgage asset. 

All receipts have been sent to the mortgage company ( Lakeview Loan Services ) multiple times, including the insurance company 's third party adjuster that came to the home 3 days after the hurricane and all out of pocket paid in full receipts signed off on by both borrowers. The mortgage company confirmed received all of receipts on XX/XX/XXXX. 

In the days after receipt of the paid in full receipts, the mortgage company has stated that they will not pay any funds unless they receive a letter from the insurance company stating that they hired the 3rd party. As of XX/XX/XXXX, they are stating that they will not reimburse us the borrower for out of pocket expenses until another estimate is done on the home which should have nothing to do with releasing our out of pocket funds. 

Every time we contact the mortgage company, there is some reason that they give us that was not given to us the day prior as to why they are not able to reimburse us from the checks that have been signed and sent to them for our " escrow '' account. Each time we call, they say that " special approval '' is needed from upper management to release our funds as it is not their standard procedure to release money without a contractor. Hiring a contractor should not have any baring on the mortgage company reimbursing us for money that has already been paid out of pocket by the borrower to protect the home from further damage ; we are not far enough in the process to even begin hiring a contractor and being to repair our home based on the financial strain that being out of pocket this amount of money for this long as put on us. Our out of pocket expenses were included in supplemental checks that were sent, separate from the original estimate check and the mortgage company is still refusing to send reimbursement for out of pocket expenses. 

When we have asked to speak to a supervisor, we are told that no one is available in the office and that we would have to request a call back and it would take 24-48 hours. Also, every time we submit a document or call into the customer service line, we are told 7-10 days before they can confirm receipt of documents and then another 7-14 days for a decision. We are almost three months after the hurricane and still out of pocket {$40000.00} that our mortgage company is refusing to reimburse us for although the insurance company has issued the checks from their side and confirmed that the money is rightfully due to us the homeowner. 

The breakdown of charges are as follows : Emergency Tarping Services : {$2300.00} Remediation Services : {$21000.00} New Roof : {$16000.00} TOTALING : {$40000.00}
My mortgage provider, XXXX. My Loan Care ( www.myloancare.com ) reported me as delinquent in early XXXX, in violation of the rules which give me a grace period for the acquisition. I called and spoke to a representative who said I would not be reported to the credit agencies. While seeking a loan on XX/XX/2017 I was told that I was reported to the credit bureaus as delinquent. My urgently needed loan was rejected and I am unable to get My Loan Care to remove this delinquency. My loan number is Loan Number is XXXX
I received a car loan through Condor Capital. I brought a used 2011 Ford Focus for a little more than XXXX, XXXX. Some how I got financed for a loan at 14.9 % which made the cost go up to over XXXX ( not sure how ) my loan was for 72 months which has me somehow paying over XXXX, XXXX for a used Ford Focus even after I put {$1500.00} down. I have been paying for the car since XXXX and still owe almost XXXX. I typically make payments of about {$400.00} a month and it never seems to touch my past due balance. My car note is only supposed to be about XXXX a month. Condor Capital had several complaints against their collections practices, however they gave me some type of bogus refund that was part of their settlement with the court and then absorbed it all back in fees that still left me with a past due balance. They are now XXXX and are harassing me everyday with phone calls regarding my past due balance even though I make my payments monthly. My car now has a bad transmission that will cost me over {$1500.00} to fix and I can not get a new car because I am still paying off this one. I signed my paperwork within seconds of deciding to buy the car and I did not realize that the {$9000.00} car I thought I was buying somehow turned into an {$18000.00} loan which has me paying off a {$27000.00} debt.