WillisBack/dataset-financial-user-claim huggingface dataset:
When recently discovering that my personal information was compromised during the XXXX hack, I was trying to freeze my credit score to prevent any attacks on my personal credit rating. XXXX has offered a fee waiver on freezing my account as of this time, but other unions such as Trans Union are charging to put this freeze into place. And I assume all three companies are going to charge anytime I will need to unfreeze to apply for any type of loan or credit. I find this unacceptable that these institutions are profiting off if consumers trying to protect the only thing that will let them buy a home, or a car, or even get a student loan. Currently, trans Union is even hiding credit freeze information on their website in favor of advertising their own for profit credit monitoring services. So not only are hackers benefiting from getting my personal info, but the people in charge of it, whose negligence put me and millions of other US citizens at risk are profiting.
XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with XXXX XXXX. Not sure how they are authorized because in the disclosure it states the binding agreement is with XXXX XXXX, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number XXXX -- XXXX.
My loan was being monitored by the home preservation unit while I was unemployed, Keep your home California was making my mortgage payments for about 5 months. Note prior to Keep your Home California. I never had late payments or had issues paying my mortgage on time. As soon as I became employed I called and cancelled the program and resumed paying my mortgage withe XXXX 2016 payment. Note, I have never ever been late on my mortgage and there is no reason for Wells Fargo to keep me in the home preservation program. Although they tell me I am not in the program. I am still getting calls and letters from Wells Fargo property preservation program monthly. I have all the voicemails they keep leaving on my cell phone. If an CFPB investigator calls me maybe I can get you to hear the calls and dates and times or I can email you the voice mails they keep leaving me. I called Wells Fargo today, Friday XXXX XXXX, 2016 and spoke to two people. One was a property preservation specialists who told me I was no longer in the program and did not show I was receiving calls but I am. I have the voice mails they have left and the letters. I explained that back in early XXXX I got a letter and calls and they said they should not record of a call or letter but I have them. Second I was told I was not n the program as of XXXX XXXX but I keep getting letters and calls. The latest property preservation letter I received is dated XXXX XXXX. Well after they said I was not in the program. Then the customer service person after telling me I am not in the program started asking me questions and treating me and my loan account as a person who would be in property preservation.Asking me if I was going to keep my home, if I lived in it etc ... That 's when I asked to be transferred to their escalated customer service called office of the president. While expressing my concerns, that Office of the president person hung up on me or disconnected me on purpose. This was extremely rude and unprofessional. I was not rude or disrespectful. I just wanted to be removed from the program as I do not need or want any property preservation assistance. I want my loan is normal servicing status. 
I want Wells Fargo to remove me from their property preservation program. I want the calls and letters to stop. Although they say they do n't show I am getting calls and letters. I am getting calls and letters and I have the proof. They leave me voice mails and I have them saved. I am not late on my mortgage and have never ever been late on my mortgage since I got the loan over 5 years ago. I am concerned that they purposing want to mess up my loan and damage my good payment history or damage my credit report history.
I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of the debt through a process called debt validation. 
A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my credit reports immediately.
I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.
I got behind with out mortgage payments due to an unforeseen illness in XXXX. I reached out to my mortgage servicer FAY Servicing LLC in XX/XX/XXXX to seek help for several months with no luck. The lack of response from our mortgage servicer led to hire attorney thinking they would respond to an attorney because they have had shown no interest in talking to us directly. In XX/XX/XXXX our attorney submitted a loss mitigation application i. After 4 months of back and forth with our mortgage servicer FAY Servicing LLC claimed  they did not receive all documents requested and in XX/XX/XXXX they sent us a letter stating our application expired and we would have to start the process all over again. We resubmitted an application for loss mitigation help and only seven days after they claimed they received our complete package they denied us and said we were not eligible for any programs because of lack of income. Throughout the entire second application attempt we were getting what appears to be foreclosure related documents leading me to believe we were being dual tracked during the mitigation process and they had no intention of making an honest attempt at a workout option. I have had to pay my attorney approx 5k to date in fear of the servicer filing a foreclosure action before a mitigation option was presented. This servicer is despicable and had zero intentions of trying to help us.
Amercican Collections Inc has repeatedly been harassing and intimidating when I have interacted on the phone with them. The manager whom I was transferred to after speaking with XXXX, threatened to call the doctor 's office I owe a debt to and tell the doctor 's office that I am not cooperating with the terms of the payment agreement. XX/XX/XXXX, I was told as long as I pay the debt prior to the last day of the month, my account will not change. I sent a partial payment using my bill pay XX/XX/XXXX and was waiting until I saw the payment post to my bank account to pay the difference. On the day the company received the partial payment, on XX/XX/XXXX, they called me and were telling me contradicting information regarding whether or not me giving them money to pay my debt was a problem. I started this payment agreement XX/XX/XXXX and paid XX/XX/XXXX. XX/XX/XXXX is not even over and they are threatening that they will have the doctor 's office collect the original amount. When they called on XX/XX/XXXX, I had already been planning on calling them to use my credit card after I saw the check post to my account, as I had done the previous month. Had they called me simply to ask me to pay the difference for XX/XX/XXXX instead of trying to berate me and pressure me, I would have paid right then. Instead they behaved discourteously. They kept using the word, " generous '' to describe the benevolence of the doctor 's office and I strongly feel the language they were using was meant to belittle me and to intimidate me and to make me feel guilt and shame, despite that I am paying this debt. They are behaving very badly while I am paying this debt. I do not deserve to be harassed and threatened because I am paying a debt. They have lied and misrepresented the information regarding the payment of debts. Also, my husband called ACEI after I called him at work and I was very distressed. When he called ACEI, he spoke with XXXX, who transferred him to the same manager. She disclosed sensitive personal information regarding the debt. She told him who the debt was from, how much it was and all information regarding the debt. To my knowledge, sharing that information is illegal and against confidentiality practices. They did not have my consent or confirm that he was my husband before sharing my personal information.
While I was in XXXX my was friend took my card and ran my credit limit to the max. I was on XXXX from XX/XX/XXXX to XX/XX/XXXX. You will see charges on that credit card during that period while I was in XXXX.
Paypal has checked my credit for a loan with authorization I have called them faxed them a statement they have told me this would be removed as a hard inquiry against my credit report but it is still on my credit this was done in XXXX 2015
I called Synchrony Bank today to pay my bill. After waiting ten minutes for the representative to find my XXXX account using my social security number, he told me he could not find it. I have already filled a complaint regarding this account after a {$240.00} payment was not applied to my account in XXXX 2015 and my account was sent to collections. I have already spent multiple hours over the last six months trying to locate my account in order to have my account updated and only when I finally filed a complaint here with the CFPB was anything done. At the end of XXXX, I received a correspondence from Synchrony Bank explaining what had happened. So, I called today to make my payment on my remaining balance even though I have yet to receive an updated bill and they could not help me. The representative asked for my social and said he could not find it. I was not even comfortable paying them in the first place since they lost my money the first time and then sent my account to collections despite their own error. I do not trust this company and this last interaction is only confirming what I already know - that they are incapable of treating customer fairly and doing their job. I am absolutely flabbergasted that this company can continue to take advantage of consumers with their disorganization and wrongdoing. Because of this XXXX account, my credit has continued to worsen as they took their time " finding '' my account. And now I am having to again XXXX them around to pay them, which again may harm my credit. This has to stop. I am sure that this company has had numerous complaints and it is not okay that I have to now spend many more hours of my life trying to pay something that should take 30 seconds. I want my debt gone from this company and to never have to deal with them again.
I do not know what this debt is for. I have never heard of this company  XXXX   XXXX , nor have I ever received anything from this company regarding any kind of debt. It shows this debt was opened with this collection company on  XXXX   XXXX ,  2015. I do n 't have a clue who this original creditor, nor have I ever received any documentation from this debt collector.
On the american express website, I was offered to obtain a second card. The way I read it, amex was simply inviting me to get a second card for the person of my choice. Since I already have a card, and since it appeared as an invite, I just assumed that they would be sending me the second card. Rather, I received a notice of rejection, which notice contained no reasons whatsoever. I have been a customer of amex for three or four years. Their way of dealing with a customer is bad and insulting. Their treatment belies their statements that theirs are " valued '' customers.
I received a call from  XXXX . They were very rude and refused to verify or validate the alleged debt and told me that they will put it on my credit and it will hurt my credit. They will not disclose the address of the agency nor will they tell me the proper name of the agency. When I call, they will not answer. And when I did speak to agents, they yelled and screamed at me and argued with me as well.
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows Capital One, XXXX  XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.
Good Day, There has been opened fraudelent checking accounts under my name which resulted on my XXXX XXXX report to become XXXX 1 ) XXXX- Checking account 2 ) XXXX XXXX- Checking account 3 ) XXXX XXXX XXXX- Checking Account 4 ) XXXX XXXX - Checking Account 5 ) XXXX XXXX- Checking Account
My account was placed in my bankrucpt but they still keep putting it back on my credit report
My Boat loan is through Citizens Bank of XXXX XXXX and had extensive damage during hurricane Irma. My insurance company immediately issued a check for the repairs on XX/XX/XXXX for  {$22000.00} dollars. Because of the lien on the boat I sent it directly to the Citizens bank of XXXX XXXX explaining the status of the boat and how important it was for immediate repair and requested that the check be be returned to me as soon as possible. I followed up on the the status of the check a week later and was told that they could not tell me the status even though I provided the USPS tracking number. I called again numerous times and was never given the status. Finally, after 6 phone calls on XX/XX/XXXX I reached a loan officer that told me I would not know when the check would be returned until the bank chairmen 's meeting. The bank has now had the insurance companies check since XX/XX/XXXX  The supervisor could not tell me when the meeting would be and not to call the bank again .... the bank would call me. Meanwhile I have a boat in XXXX XXXX that has only temporary repairs and could be severely damaged and possibly lost with even a moderate storm.
ON   XXXX /17 a nd  XXXX /17,  two d ifferent lenders attempted to retrieve my Equifax credit report but was unsuccessful due to some type of fraud alert. I have contacted them on both occasions, provided case number and on the last call, was hung up on by the rep when requesting to speak with someone regarding this.   XXXX  Advised that all information needed to be updated so it match and there was no issue in retrieving, although sent in  one 3 prior o ccasions in the past 6 months but was refused.
After receiving my report from XXXX  I learned that they still had two other people ssn, addresses, collections and phone numbers on my report. I filed a dispute on the accounts and they keep saying verified. I asked them to send me proof of signature or a form of verification and they couldn't. These things have held me back for years. This is stressful and my anxiety is thru the roof over this.
I am a single parent XXXX income family of XXXX to include XXXX children. Back on XXXX of XXXX I requested help or assistance from Chase Bank. Due to the troubled economy I was forced to work as a substitute teacher in the state of Florida and county of XXXX. In XXXX county their substitute teachers work through a staffing agency/temporary agent. Over the summer months and off days due to holidays or XXXX days. I can apply for unemployment. Therefore, I was underemployed/unemployed due to low wages and the XXXX being shut down due to holiday and breaks. However I was approved for a unemployment loan forbearance on XXXX/XXXX/XXXX for a lower mortgage payment of {$450.00}. with a balance of XXXX accruing every month that was left unpaid. Though if I was approved for a government program how come they did not pay the difference? At the end of the program dated XXXX/XXXX/XXXX, I am still underemployed/unemployed even though I applied for jobs the entire time. I asked Chase Bank for an extension, so I reapplied and asked for help or a workout with my mortgage. I have just got word back from Chase Bank on XXXX/XXXX/XXXX stating that I am 15 months ( {$15000.00} ) behind on my mortgage and they can not offer me anything type of help other than a short sale. Now for 12 months I made a total of {$5400.00} in reduced payments, how can I be behind over {$15.00} and why or how come the {$5400.00} has not been applied to my loan. Why they can not help me, but allow someone to buy my home for an extremely low price, then put me and my children out onto the streets after for over a year I have worked and took calls from their CSA named XXXX XXXX XXXX XXXX and made my payments on time to show stability so that I can stay in my home. 
In addition I supplied them with income or wages and I was told that they could use those funds along with child support and I have recently learned that they can not use the income. Why? Does it matter if I was working for a temporary agency? I was told by XXXX XXXX that it did not matter. Only to make it known to you that they did not use the income and offered to me to sale my home as a short sale. This particular issue is related to a loan workout due to being unemployed and regaining a job to show permanency. I was placed on a government program.
My servicer was XXXX, I submitted an application and went through the process. My file was sent to the Underwriting Department on XX/XX/XXXX and I was expecting a decision by XX/XX/XXXX. There was a service transfer and my loan was transferred to Seterus on XX/XX/XXXX but I was not advised by XXXX until after XX/XX/XXXX when I spoke to one of the Supervisors in their Loss Mitigation Department. Seterus is now requesting for me to re-apply all over again to start the process again. It is absurd that I have to do that since I started the modification request on XX/XX/XXXX. Because of the handling of my loan and modification request I have now wasted 2 months.
I received notices from Bank of America that I opened a checking and savings account at the Bank. The following day, I received mail that the Bank closed the newly opened accounts immediately. I never applied to open these accounts at Bank of America. When I visited the branch location on XXXX XXXX XXXX, XXXX, MA today to discuss this issue, XXXX XXXX, Personal Banker of BoA, informed me that my SSN was used to open these accounts. I am a victim of identity theft.
On XX/XX/XXXX, I received a statement in the mail informing me about my credit protection plan. The was the second attempt they claimed to have sent me. I have never signed up for a protection plan of any sort. I am only able to review statements up to XX/XX/XXXX, and I was charged the Protection Plan fee on that statement continuing up to today 's statement. The fees range from $ XXXX- {$14.00} a month depending on the balance. This is already at {$200.00} that I have paid for a service I never signed up for. I am demanding the statements be sent to me from the opening of my account back I believe in XX/XX/XXXX. I will be contacting Citi bank in the morning. This is pertaining to a Macy 's account.
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/XXXX
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!
Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Transunion regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.
XXXX XXXX XXXX has reported my account information incorrectly for many years. Despite repeated disputes, Experian always verifies the incorrect information. This has been disputed with Experian at least 10 times in the last 3 years Experian reports XXXX 2009 30days XXXX 2009 30 days XXXX 2009 120 Days XXXX 2009 90 Days XXXX 2009 Repossession XXXX 2009 30 Days This report is obviously incorrect and it should be noted that Equifax has completely different numbers that are also incorrect ( complaint filed also on XXXX ) Correct reporting is the account went 30 days late XXXX or XXXX of 2009, no payments were made ever again and the vehicle was repossessed in XXXX XXXX 2009 Both Experian and XXXX claimed to fully investigate and state these are the numbers provided by XXXX XXXX XXXX. Since both have different numbers someone has failed in fully investigating. There have been numerous phone calls with Experian supervisors who agree the reporting has to be incorrect but they never change it and any dispute comes back as verified My belief is that the credit bureaus have failed to investigate and XXXX XXXX XXXX has deliberately reported incorrectly to punatively keep this item on my credit reports beyond the mandated 7 year reporting period. ( complaint also filed on XXXX XXXX XXXX )