WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested a 609 verification, requesting the original contract of all accounts. I sent a certified letter to this company requesting that they provide me with the original contracts for each account they are reporting on. This company has failed to provide me with the request that I asked for and provide the information in a timely manner. I did a certified copy that was signed on X/XX/17 and I have failed to receive this information. They have violated the fair credit reporting act. I 'm requesting that this matter be investigated.
I fell behind on my mortgage in 2013 due to illness. I received help with the " Ohio Save the Dream '' program. Wells Fargo received the payment from the program and stated the amount received was incorrect. A check for {$15000.00} was sent to pay the mortgage through XXXX/XXXX/13, which is what was stated on my closing documents. Wells Fargo said they were only notified that the mortgage was to be paid through XXXX/XXXX/2013 and returned {$1700.00}, saying they are not permitted to apply more funds than what is allowed for a loan " saving '' through this program and that they were only told to apply through XXXX/XXXX/13.. I was n't able to get the mortgage caught up. Wells Fargo blames Save the DReam. Save the Dream says it was a problem with Wells Fargo. None the less, I lost my home and would like to rebuild my credit to be able to buy a home in the future. I have asked Wells Fargo to remove the negative reporting from my credit. They say they ca n't because the mortgage was behind ... but it was only " behind '' because they returned the funds. I do n't care about who is at fault. I just want the negative reporting off my credit.
XXXX Student Loan From what my account is showing is that interest should be accrued at a variable rate of 7.42 %. I have realized that interest is actually being accrued daily at a rate of 7.43 %. 

I have had an accountant look at the loan and the accrued interest is not what they are tell me the rate is.
I have tried to modify my mortgage with Rushmore for many months. I submitted a modification package through XXXX XXXX. Rushmore refused to consider it and I was forced to file bankruptcy when the company moved to foreclose. Subsequently they forced me to enter into a five month trial period for over {$2300.00} per month. I can not afford these payments.

I want to add that this is the sixth company that have serviced my loan. I have fulfilled trial payment periods in the past after which the loan was transferred to another servicer.
Not sure when debt occurred now on my credit report as in collections for {$210.00} have no info were or whom to pay the debt to other than Stanislaus credit control.
I submitted application for a car loan in XX/XX/2017, and now I have like 20 inquiries. This is largely impacting my ability to obtain ANY credit. I did apply for credit and I do understand one inquiry, but please remove all these inquiries. I am trying to get a home loan and this is hindering me.
On  XXXX   XXXX ,   XXXX   I went t o Virgin Americas w ebsite to look into booking a flight on their airline. Through that process I came across a credit card and decided to apply. I was instantly approved with  a credit score of    XXXX . About a week later my new card arrived in the mail and as I attempted to activate it and make a purchase I realized that the card was not working. I then reached out to Comenity Bank who issues  the Visa and  they explained to me that my account had been closed and a letter would be mailed to my house. Come to find out the account was closed due to the product not being offered anymore through the bank and company due to the merging of them and another airline  XXXX . I have reached out to Comenity Bank to get them removed the inquiry and account off of my credit report to no avail. I should never been allowed to apply for their credit card if they never intended for me to own it and therefore it would have never resulted in an inquiry and account. I have filed a dispute with  XXXX  of the credit bureaus but its a lot of work to try and get them all done and I need my governments help with the matter as this appears to me to a violation of  the Truth in Lending regu lation due to it being a deceptive practice that result in real damages to my credit scores across the board. Thank you -  XXXX
This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against XXXX XXXX for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized XXXX XXXX XXXX hard inquiries : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XXXX/XXXX/XXXX Equifax reported AGAIN a XXXX XXXX hard inquiry. I am really tired of doing this every time in fact is my intention to sue XXXX XXXX if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.
This item shown on my personal credit report by your office XXXX County Public Records, Docket # XXXX, XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX, is inaccurate. Because based on Alabama Tax Code and the decision by Alabama Department of Revenue, I was not an Alabama resident XX/XX/XXXX, and I shall not be liable for any Alabama State Personal Income Tax. 

The tax lien order was formally rescinded by the State of Alabama Department of Revenue on XXXX/XXXX/XXXX with the issuance of Taxpayer Assistance Order. Although the status of lien later changed to release of tax lien on XXXX/XXXX/XXXX, however it should be changed to deleted or formerly erroneously reported lien and now cancelled, according to all three national credit bureaus, this incorrectly reported tax lien record shown as released will stay on my personal credit report for at least 7 years. Due to this tax lien record, my credit score was at XXXX before but currently dived to XXXX level. 

I have contacted the credit bureau and corresponding parties many times, requested for removal of this tax lien before, however, this incorrect Tax lien item still has not been removed, this time I am writing this matter to CFPB and hoping you can help to take a further look into this matter and correct the incorrectly reported record. 

The credit bureau office reported the Tax lien was released was incorrect, the Department of Revenue clearly stated in its " Taxpayer Assistance Order TAO # XXXX '' Dated XXXX/XXXX/XXXX ( COPY attached ) and also its " Alabama Income Tax Final Assessment and Lien for XX/XX/XXXX '' Dated XXXX/XXXX/XXXX ( See attached ), " the XXXX income tax assessment filed against you was incorrect ... ... ..that you were not an Alabama resident for the XXXX tax year, consequently, a TAO, rescinded the XX/XX/XXXX income tax final assessment entered XXXX XXXX, XXXX ... .... '' The final assessment further stated " Please do not interpret that the Department released the lien due to payment. The Department 's Taxpayer Assistance Order rescinded the original final assessment for the XXXX tax period and your credit record should be corrected to reflect that fact. " Based on all above, I am requesting that the released Tax Lien shall be removed to in order to show the general public correct information on my personal credit report. Enclosed are copies of " Alabama Income Tax Final Assessment and Lien for year XXXX CSD Case # XXXX '' and " Taxpayer Assistance Order '' supporting my position. Please help to investigate this matter.
FREEDOM MORTGAGE DEFRAUD US WITH OUR  CLOSING COST TO OUR MORTGAGE PAYMENT. {$320.00}, XXXX. IT SHOULD BEEN {$320.00}, XXXX AS WE ARE SELLING OUR HOUSE. TOTAL FRAUDULENT SCHEMES PLACE UPON INFORMATION PROVIDED TO THE MORTGAGE LENDER ARE DECEIPTFUL DISHONEST. LITERALLY DONE DEEMED BIAS, AS USUAL. PROBABLY BECAUSE OF MY LAST NAME SPELLS OUT XXXX FORMAT. OR, JUST CAN'T GET AWAY WITH THEIR EXPEREINCES OF FRAUDULENT EXPERTISE. 

I NEVER MISS A PAYMENT, NOR WE LATE IN ANYWAY SHAPE OR FORM. DISHONEST PRACTICES IS LEADING OUR COUNTRY SINCE OBAMA WAS IN OFFICE FOR 8 PLUS YEARS. ROCKET OF CORRUPTIONS COLLUSION DECEPTIVE GROWING OUT OF STYLE IN OUR CONTRY INVOLVING FINANCIAL ACTIVITY. FREEDOM MORTGAGE ADDING UNNECESSARY CHARGES TO OUR LOAN BALANCE JUST TO TARGET US FINANCIALLY. OF  COURSE. AS USUAL. STRICT SCRUTINY MUST CONDUCT IN ORDER FOR THE LIGHT OF JUSTICE TO PREVAIL ON EVILDOER EXPERT. LIKEWISE TO OBAMA & XXXX AND ALL THE REST TRYING TO BETRAY OUR COUNTRY FIANCIALLY, ETC.
Time and time again, I have asked Navient to consolidate my loans to which they reply, we have only offered that option a couples times ... ever. I am also a cosigner on a loan and it has become impossible to get removed even when the person has several people to take my place on the cosigned loan. They are impossible to work with and quite frankly own a piece of my life for quite sometime. It 's frustrating, irritating and all around overwhelming.
I was on an income driven repayment plan, based on my not working i didt have to pay anything. Then my recertification came up. I wasnt even sent a letter or aware that I needed to recertify it. After figuring out I did, i sent everything they asked only to be told I didnt check this box once then 30 days later I was told I didn't send in the right check stubs only to be told 30 days later I did. Got an apology and on they went. After calculating my husband 's income I now pay XXXX a month and have ever since they got it going again in XX/XX/XXXX. This is where my problem really begins. I was set up on auto pay and have made every single payment on time. Twice since XX/XX/XXXX I have been reported to the credit bureaus that my balance has increased 70 and my score has dropped over 100 points. I called to find out why. The first time they reported and dropped my score 72 points, They said it was because of the change in my payments. Well they just reported in XX/XX/XXXX again, that I have a 70 increase on my loan. Twice now. My score dropped 48 points this time. I called them to find out what I could do to stop this. They said they are showing no increase that I was wrong and refused to further help me. I called three times trying to get them to help me all they would tell me is send in a complaint and they'd respond in thirty days. I dont know what to do. I am making my payment they said to make, they said my loan is decreasing when I call, but they are reporting that it's going up. I am getting nowhere with them. My interest is at XXXX with them on a XXXX loan since XX/XX/XXXX. At this rate i might as well give up. I won't have any credit at all in two years time.
Equifax has me listed as having XXXX credit cards, the XXXX credit card was closed out and replace with a new number and that account should be removed from the credit file, the only XXXX account that should be listed is the one that 's says open XXXX XXXX, XXXX that was last reported on XXXX XXXX, XXXX. By them having these XXXX accounts listed it dropped my credit score by XXXX points which is not right
I noticed that on my account an unauthorized charge of {$150.00} was being sent to someone I didnt know through the app XXXX. I looked at the charge but I didnt know who this was. My information was hacked. I called my bank immediately and told them about this fraudulent charge and they said they would block the charges. I also told XXXX that I dont recognize this user and that my information had been compromised/ fraud. 
XXXX still paid the other person even though I told them it was fraud. I closed my XXXX account, but XXXX is still saying I owe them {$150.00} for chargers I never authorized. I have since change all my passwords because my email was also hacked. I will not be responsible for this charge due to criminals trying to steal money from account users. Shame on XXXX for not protecting their customers and not listeing when I told them in advance this is a fraudulent charge.
I AM REPORT TO I AM SICK AND STAY IN THE HOSPITAL FOR 5 DAYS, WENT I GOING TO WORK THE WORK FINISH BUT IF FOR CONTRACT AND I LOOKING FOR JOB TO I AM GOING TO XXXX XXXX AND I HAVE DEBT TO MONTH TO MY MORTGAGE AND NOT HAVE MONEY TO PAY BILLS AND THE HOUSE YOUR HELP ME MY NAME IS XXXX XXXX I LIFE IN XXXX XXXX LA XXXX AND MY CELL XXXX THE MORTGAGE ITS CARRINGTON MORTGAGE SERVICE XXXX, CA XXXX.
Dear CFPB, it is not over 90 days asking my mortgage company help to avoid foreclosure and all they keep doing is requesting for the same documents over and over again. it got to a point where I'm faxing the same documents every week to them. 

i am now in foreclosure with a sale date and CARRINGTON MORTGAGE - Loan Servicing / Supervisor XXXX id # XXXX refuses to help me because she said due to my background the investor of this loan refuses to help me avoid foreclosure. 
Therefore it is not on their best interest to help me. 

i asked for her manager and she keeps telling me they all are on vacation and they will come back until the end of the year. 

Please help me since all im asking is help to avoid foreclosure and save my home. 


XXXX XXXX
EQUIFAX REPORTS XXXX, XXXX XXXX XXXX ACCT XXXX ON MY CREDIT REPORT.THE COLLECTION AMOUNT LISTED IS XXXX.THE ACCOUNT WAS SETTLED ON XXXX/XXXX/2016 ( SEE BANK STATEMENT ATTATCHED ) FOR AN AMOUNT IN EXCESS OF XXXX. 
MY REPORT SHOULD INCLUDE THE DATE AND AMOUNT PAID.IN CALIFORNIA ALL COLLECTION FEES IMPOSED THAT WERE NOT DISCLOSED ON ORIGINAL CONTRACT ARE ILLEGAL.
PNC Bank reordered transactions on my account to make it appear that a check I wrote on XXXX/XXXX/16 posted and cleared my account on that same day, in order to assess to overdraft fees on my account. My account balance was at exactly {$.00} when I checked it throughout that day. When I checked my account on XXXX/XXXX/16 suddenly I had XXXX overdraft fees from a check I had written the previous day, and a transaction that was not on my account for {$1.00} the day before. I have attempted to resolve this with PNC, but they keep telling me that it 's " possible '' that a check can clear and post the same day, and they are refusing to refund me the fees they charged in the amount of {$72.00}
There are XXXX late payments noted on my report with Experian, from XXXX, from XXXX XXXX, as up to day in XXXX XXXX. I tried disputing this with Experian with no resolution. XXXX negative/late payment reports ( 30 days ) are NOT correct. I was current with XXXX during that time, and all times prior/since.
I cant count the number of times that I have reached out to Wells Fargo regarding my business credit card being frozen. The way Wells Fargo has handled this has been horrendous. I was approved for the credit card, began doing the {$5000.00} spend and met about {$3000.00} of that and then out of the blue my card was frozen and can not be used. This was about a month ago. After countless investigations and requests from Wells FArgo to send this to the backend team nothing has come across. 

The issue is Wells Fargo is stating that I need to provide my business through filing a business license. This is a Sole Proprietor business where I am using my first and last name as my business name and my social security number as my tax ID. 

The Kansas laws specifically says on the Kansas Secretary of State website on http : XXXX - Q : Are all companies doing business in Kansas required to file with the Secretary of State? 
A : No. Sole proprietorships do not file with the Secretary of State. 

Also - DBAs, Fictitious Names, Sole Proprietorships, Etc. 

Q : Do you register DBAs ( doing business as ) or fictitious names? 
A : We do not list or register DBAs in the State of Kansas. Kansas does not have statutes requiring or permitting the registration or filing of DBAs or fictitious names. 


This could not be any more clear. I do not and should not file a Sole proprietor business in Kansas and don't require permitting registration or fictious names. 

My account should be restored immediately and Wells Fargo should still allow me time to complete the bonus requirements. I have a large transaction coming up so the timing should be an issue assuming Wells Fargo unsuspends this card immediately. 

This isn't the first time I have been accused of something from Wells Fargo, earlier this year for my checking account it was frozen and I was forced to come in to prove my identity. This took hours out of my day and I was late to my grandchildren 's soccer game. If you guys want a chance at a relationship with me or my family, please do the right thing.
In XX/XX/XXXX, XXXX sold our Mortgage to Bayview Loan servicing. We had never heard of Bayview until then. However, they are reporting on my credit file that I have had a loan with them since XX/XX/XXXX. They are also reporting that I have missed 4 payments, and I have made 2 on their Fresh Start Program. I was contacted by a Bayview Representative, XXXX XXXX in XX/XX/XXXX, and asked if we would like a loan modification and I applied for it, and was told about the Fresh Start Program. I was told to get a Prepaid debit Card, and to put {$890.00} on it so that Bayview could withdraw it for the house payment for 3 months, and they would forgive the payments that were behind while they were assuming the loan. Our first payment was to have been in XX/XX/XXXX, but we received no paperwork to sign to accept the new program. So on XX/XX/XXXX, I telephoned Bayview, and a payment in the amount of {$890.00} was given to them by phone. Again, XXXX XXXX told me she was setting us up on the Fresh Start Program, and a payment of {$890.00} would be coming off the card on XX/XX/XXXX. I placed {$900.00} on the card for the payment, and Bayview NEVER took it off. ( See Transaction list for Prepaid card, attached ). I called back to Bayview, and XXXX was not available to take my call, so the lady who answered the phone, stated to me the next date for a payment was XX/XX/XXXX, NOT XX/XX/XXXX. This was an error on XXXX XXXX 's part, not mine. The Fresh Start Program was suppose to start with the first payment on XXXX XXXX, and the previous payments for XXXX, XXXX, and XXXX were to be forgiven and added to the maturity of the loan. Before Bayview, as I stated, this loan was with XXXX. We borrowed {$85000.00} in XX/XX/XXXX, and when the mortgage was bought by Bayview, we now owe {$90000.00}. Our interest rate has changed 2 times. Our entire payment has been going to the interest for 8 years. I received a XXXX package from Bayview, and it was my address, but NOT my name, nor the information on my account. It was someone else 's account, and they wanted me to sign it and send it back. This account has been sold at least 4 times, in the past 6 months, and I have NEVER signed ANY paper for any company except XXXX.
On XX/XX/XXXX I received my XXXX 's credit card statement, which was a surprise since I paid the card in full the day I received the XXXX XXXX 's statement. To my surprise, XXXX 's charged me {$2.00} interest on XX/XX/XXXX on a XXXX balance. 

When I called in to them they stated it was for the time between when my statement came out on XX/XX/XXXX, though I was not electronically alerted of my statement until XX/XX/XXXX at which time I paid the balance in full. I had asked for paperless statements so I would get them faster, so there should be no reason I can't get a statement from XXXX the same day they generate the statement. 

I have a few problems with XXXX XXXX and the way they send out statements & charge interest on balances that have been paid in full prior to their due date : 1. They charged me interest on my XX/XX/XXXX statement balance of {$0.00}. Regardless of the fact that on the XX/XX/XXXX statement showing what is due in total in order to pay the account in full by the XXXX due date. 
2. They did not inform me that my statement was available on XX/XX/XXXX until XX/XX/XXXX and then they charged me interest between XX/XX/XXXX-XX/XX/XXXX when I was sent an email that my statement was available. 
3. Additionally, how is it legal to have 4 days pass between when the statement is generated and when a consumer is made aware that it is available and during that time the company charges interest. If that is the way they do it, then my interest should be accruing interest and the consumer would never pay their account in full. Their statements do not come out on the same day, so for me to know which day they would calculate it is not reasonable. 

It feels like XXXX 's does this to see what they can get away with. The interest charged is a small amount, mine was {$2.00}, but more to the point is if you don't question it they will just let you pay it.
I would like to validate all of the debt showing for XXXX, as i do not believe this debt is mine. I have not recieved services for the places listed on the report.
I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.
I opened a new savings account online so Chase sent out a pin and an ATM card in the mail. I had my mail stolen so someone got access to the pin and card and was able to activate the card when to a chase branch ATM and disposed a phony check in my name to my savings account and was able to withdrawal {$220.00} from my checking account.I have disputed the claim, their reasoning on denying it was the fact that live within 3 miles of the bank, I have used that branch before and that there was a pin used to withdrawal money. I have documents showing that i wasn't in the state at the time of the transaction and I never received the card
FMR ( Forward Movement Recovery ) is contacting MY family, instead of me for who knows what? And providing information about me to my mother and father. This is against the law and privacy, sharing my personal information with others when i am NO MINOR. 

They have called form a XXXX and XXXX They have not attempted to call MY phone ( XXXX ) which is still a valid number, this is harassment unless they give me a valid reason WHY they have contacted others other than myself to request information or give information.
Collection account appeared on personal credit report for the first time on XX/XX/XXXX from a business called XXXX XXXX XXXX apparently a collection agency attempting to collect on a {$190.00} debt owed to a utility company. I notified them that I have never not paid a utility bill of any kind and they stated that they do n't need to provide validation of any debt beyond 30 days and this debt was assigned to them back in XX/XX/XXXX. However, I never received any notice from them relative to any debt allegedly owed. They refuse to remove this erroneous item from my credit history.
I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.