WillisBack/dataset-financial-user-claim huggingface dataset:
I have two bills I have been paying on through portfolio recovery. I spoke with a rep a few months ago and told her I didn't want to receive any notices through mail and wanted email only. She said ok, and all correspondence would be sent through email. I continued to receive mail. I spoke with someone else who wanted to know why I didn't want mail. Through online chat, I spoke with someone who was quite rude and said they had to mail me correspondence per law. However, according to their own website, I can opt in to get electronic correspondence. I have contacted them multiple times stating I wanted electronic correspondence. They never responded to my emails and I am still getting mail after explicitly telling them I did not want mail. 

This has caused me severe mental stress, as everytime the notice is received via mail, my spouse is reminded of my short comings and causes strife in our house.
I have long used third party apps to help me, budget, save, and invest my money by permitting these apps access to my CapitalOne 360 checking account.. 

Sometime in XXXX CapitalOne increased their security in such a way that it has restricted access to the third party apps I have permitted and frankly have come to rely on. 

I really think CapitalOne 360 Checking is great but after restricting access to my funds essentially, Ive had to consider closing my checking account. 

Please fix this CapitalOne.
To whom it may concern : I've recently checked my credit report and noticed XXXX has been reporting TD BANK XXXX on my credit file, This file is not my account and i am asking this account to be deleted today. 

XXXX continues to mix my name and credit profile with someone with the same name or similar spelling.No matter how many times i try to resolve this issue months later XXXX  still finds a away to re add someones address, phone number and name to my credit profile. 

I have contacted XXXX many times about this issue and wait time to talk to a live person is usually an hour to a few hours to try to resolve this issue.
On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  Calvary  is reporting. In particular I challenged the  Open Date  of   XXXX   XXXX   XXXX   as I believe that the last payment was made in mid   XXXX  certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation .     I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On   XXXX   XXXX  , I sent another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  Calvary  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.
Seven medical bills that were in collection was paid in full over a year ago. These items still show on my credit report with major deficiencies to my credit rating hence I am unable to refinance my family home. 
Thank you
GMAC refuses to explain or show that the debt they have been reporting since XX/XX/XXXX is accurate. I have amicably tried to resolve this matter however GMAC has refused to answer any of my questions or show me proof that I owe them any money. They have gone as far as removing my good GMAC accounts from my credit reports and leaving the one trade line which is reporting in error. I have tried the XXXX but they never responded I have tried writing letters certified to their legal counsel in New York to no avail. I want them to remove the negative reporting off my report which is due to come off in XXXX XXXX anyway. Please help, their customer rating and satisfaction rating is very low from the research I have done and this situation is no different. I return the car in good condition on time.
Inquiries listed on my credit report ( Transunion and XXXX ) XXXX XXXX CREDIT CARD XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 3 times, XXXX 2 times, XXXX XXXX XXXX, XXXX 2 times, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, that I did n't ask or apply for, give permission to, or been associated with in any manner. Also have XXXX different address on my credit report that are not my addresses from XXXX XXXX XXXX XXXX XXXX Ga XXXX and XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Employer that I have n't worked for is XXXX and XXXX. 
attempted to get these items removed from report due to identity fraud but all credit companies ( Transunion, XXXX, and XXXX ) would not comply. I explain that my taxes and credit has been tempered with on these items listed above.
Hello, I established a refi on my mortgage with Caliber Home Loan in XXXX 2016, with 15 years refi rate lock of 2.75 % which expires on XXXX/XXXX/2016. I received my first loan disclosure on XXXX/XXXX/2016, which indicates a lender credit of {$2100.00} to close this refi before XXXX/XXXX/2016. 
With anticipated refi closing date on XXXX/XXXX/2016, I have supplied all the documents in XXXX and follow-up documents in XXXX 2016. However, Caliber Home Loan 's underwriting process just keep delaying the loan closing date. Aftermath, they did n't schedule a notary to sign the closing documents until XXXX/XXXX/2016. Then they removed the lender credit of {$2100.00} at last minute! Before the final closing date, I still see the {$2100.00} lender credit on loan disclosure dated XXXX XXXX, 2016. Caliber Home Loan have removed this {$2100.00} lender credit on the date I signed my closing documents dated XXXX XXXX, 2016. This is outrageous that Caliber Home Loan removed this lender credit on the date I scheduled to sign the closing documents. Unfortunately, I have to sign amid they keep dragging and delaying the promised closing date. 
My Caliber loan consultant is XXXX XXXX - XXXX, he is awared of this lender credit and delaying underwriting process. 

Please help me. 

XXXX XXXX XXXX XXXX
I have sent the TransUnion Credit bureau over 12 letters disputing the continued reporting of this account on my report with the same adverse results for over 2 years. 

The issue with this account @ TransUnion is that my loan is no longer serviced by XXXX   XXXX XXXX. XXXX is the servicer for this loan but XXXX XXXX. XXXX per TransUnion keep reporting this account as if they are the servicer of it. 

XXXX has been servicing the loan for over 3 yrs. XXXX and XXXX has released this account from their files with no issues at all. This account is dated back to XX/XX/XXXXXXXX. It is in positive standing with XXXX. XXXX XXXX. XXXX should not be reporting on an account they no-longer service / FCRA.
Ditech formerly known as Green Tree Servicing, LLC made an interest and principal payment adjustment for my XXXX 2015 monthly payment of which Green Tree Servicing has already acknowledged in the past to making adjustments and still has not been corrected. Adjustments seem to take place when I make an additional principal payment on my fixed rate mortgage that has no prepayment penalty. Adjustments of daily interest occur starting the XX/XX/XXXX and is added to the next months monthly interest. Also their website financially binds the clients and I absolutely did not agree to the Web term use. The website disclaimer reads in part, " You ( and not Ditech ) assume the entire cost of all necessary servicing, repair and or correction. The same disclaimer wording also for Green Tree " You ( and not Green Tree ) assume the entire cost of all necessary servicing, repair or correction. ''
ARA Inc. contacted me by phone on XXXX. I was on vacation with my family so said I would contact them when I returned home. Upon arriving at home on XXXX I found letter dated XXXX/XXXX/XXXX. I called again and talked with XXXX XXXX. She told me they had contacted my ex-wife and my credit union which I checked later and found they were all lies. They refused to provide me with any documents showing I had taken this loan out. They were referring to a loan with XXXX XXXX supposedly taken out by me 20 years. This was reported 20 years ago as identify theft with a letter from the person that took out the account. They said I owed {$25000.00} and with interest and penalty it was over {$65000.00}. They would settle for {$7000.00} + and after later talking offered to settle today for {$6000.00} +. If I did n't they would take me to court for collection of the full amount. I told them to go ahead and I contacted my lawyer.
I used a  Capital One  secure credit card to start building up my credit. I was asked for a deposit of {$100.00} to get a credit of {$200.00} at a rate of 24.99 %. I closed this ridiculous account, and I was expecting my deposite back, and it never came. I called them, but it is impossible to get a hold of anyone. I have n't been able to get my deposit back.
Got my initial mortgage refinanced in XX/XX/XXXX. 
Mortgage company wo n't allow auto XXXX payment without going through a third-party vendor. However, the third party vendor providing the service is not free. 
Though XXXX owns my loan as of XX/XX/XXXX.
XXXX XXXX FAILED TO RE-INSERT MY ACCOUNTS BACK ON XXXX.
On XX/XX/XXXX an account was opened with XXXX XXXX in my name. The Account was opened in Michigan. XXXX ran my credit. On XX/XX/XXXX the account was closed for non payment. XXXX filed a collections report on my credit bureau in the amount of {$630.00}. The collections filing dropped my credit score 65 points. 

I was notified by my mortgage lender that there was a serious delinquency that impacted my mortgage approval. My mortgage lender provided me with the name of the collection agency, IC Systems in XXXX, MN. 

I contacted IC Systems, and proceeded to go through the information in their file. Even though none of the information in their file was correct, nor despite the fact they couldn't prove the debt was valid, they refused to remove their erroneous credit bureau filing. 

I contacted XXXX. They would only have me submit a claim of Identity theft. They refused to contact the collections agency to tell them to remove the information. Funny thing is I live in XXXX XXXX, and have for the last 10 years. During the whole time I've lived in LA I've been a customer of XXXX. How do they open a new account for a new customer on the other side of the country using my information when I'm a current customer? Do their systems not detect this? 

Anyway, XXXX XXXX refuses to remove the information unless IC Systems removes it.IC System won't remove it without XXXX  paying them. 

This is wrong. I'm losing my mortgage and my deposit on the house of {$30000.00} because of this nonsense? This is just not right.
On X/XX/2017 I was on the XXXX site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my Trans union profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.
I have reached out to my student loan servicer multiple times to have my payments drafted on the XXXX of each month. My servicer keeps telling me the issue has been taken care of but when I log into their website it shows my payments will be drafted on two separate days. 

I would like this issue to be corrected so i can ensure I have money in my account on the XXXX so all my student loans can be paid on time. 
When will my online account be updated to show that my payment will be drafted on the XXXX of each month. This is the 6th time I have contacted you about this issue since my my original request to have my due date changed. I will be filing yet another compliant with the CFPB. 



RE : Payments & Billing [ XXXX ] Thank you for contacting American Education Services ( AES )! 

Your loans are due on the XXXX of the month. I have submitted a request for your online account to be updated with the correct due date. Please allow up to ten business days for the request to be processed. I apologize for any inconvenience this issue has caused you. 

AES APPRECIATES OUR MILITARY MEMBERS! Based on your service, you may qualify for a lower interest rate and/or deferment of your student loans. For additional details, please visit XXXXIf you require further assistance, please visit www.aesSuccess.org and click the 'Contact Us ' link for information on contacting our Customer Service Department . The 'Contact Us ' feature also allows you to submit inquiries via secure email. Through your online account, you may view account details and access additional services. 

Sincerely, XXXXAmerican Education Services -- - Original Message -- -On XXXX XXXX, 2015 at XXXX XXXX, Account : XXXXDate of Birth : XXXXEmail Address On File : Message : Reply My Existing Loans XXXXI 'm replying to an inquiry that I recently put in and was given the response that my due date was changed to the XXXX of each month. 

If my due date has changed to the XXXX then why does my online account show that a payment will be debited from my account on XXXX? 

I want my payments to be debited on the XXXX of each monthXXXXThis message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : PHEAA
I am filling a a series complaint against the XXXX credit agency 's. 

I have been working on this for over a year. It effected my health. Ability to obtain credit, the Ability to be hired for 2 jobs. 
I have disputed several issues on credit report to all agencies. According to the Fair Credit Act the dispute that is in question must be removed unless they provided documentation to the credit agency 's as well as notifying the consumer within 30 days. I have not been notified on any issues that I have disputed to the credit agency 's by the agency 's that I am disputing. There is no group or forum for me to speak to congress about this. I do n't understand why a cusumer as I must do all the work and follow the rules but yet no one wants answers to there mistakes. I have called 20 times or more on each on issue to the agency who has reported something bad on me, and written several letters ; which I have proof of all. Of course No response from any. What is my next course of action??
I have been a customer of the company for about one year. During that time, I have made several purchases and sales of Bitcoin and other web-based currencies. I have provided the company a copy of my photo ID ( drivers license ) and have been " verified '' by them since my account was originally established. 

About two weeks ago, I received a message that my ID had to be re-verified. I once again provided my drivers license and completed an online questionnaire, similar to those used for a new credit account or credit report, for validation. I answered all the questions perfectly ; and provided my address, which I have lived at for almost six years, and which is listed on my drivers license.
The questionnaire came back as " unable to verify '' and directed me to try again in 24 hours. I have done so, every 24 hours, for the past two weeks, always getting the same " unable to verify. '' While unable to verify, I am unable to move money into or out of my account. I contacted the company on the third day and was given a canned response recommending that I adjust or change elements of my address for the verification. I have been trying that with minor variations, including use of ZIP+4, etc., every 24 hours for the past two weeks, in an attempt to re-gain access to my account, which holds nearly {$6000.00}. This has all been to no avail. No matter how I adjust my address, the " unable to verify -- try again in 24 hours '' message appears. 

I have continued contact with Coinbase tech support, who insists that they can only perform ID validation through the third-party company which they use. I have repeatedly asked for who that third party is so that I can try to resolve the issue through them ( the third party ), but have been summarily ignored at least two times about that. 

I am not the only customer going through this issue. A XXXX search of " Coinbase Identity Verification not working '' comes up with dozens of posts on a number of forums with many other customers having this same issue, and also presumably having their own money held hostage by Coinbase.
I have written contacted Experian on three different occasions. Twice through the mail and once through online dispute. I keep writing them and disputing a collection account that does not belong to me. They keep verifying that is is accurate and I asked them in the last letter how did they verify this incorrect information. They responded back with verified once again. 

They will not tell me how they verified this information. I never did business with the company in question so I know they couldn't have verified anything but they are reporting false information on my credit report.
I want to find out if my husband and I were impacted by Wells Fargo 's illegal practice of opening unauthorized accounts. All the resources say to check our Wells Fargo bank account for unusual activity. But the problem is we are no longer a Wells Fargo customer, because of their unusual and seemingly illegal activities on our bank account, we changed banks several years ago. I contacted Wells Fargo to complain about their practice of taking funds out of our checking account several days prior to the authorized date, causing our account at times to be overdrawn. Especially when they took our mortgage payment out 3-5 days prior to sending it to the mortgage company. I asked repeatedly what were they doing with our money during that period, were they investing it to make money off of it? They gave me all kinds of vague answers saying it was perfectly legal and they wanted to ensure I would have the funds available and this was their way of ensuring that. After months of frustration and unable to stop them from taking our money out of our account unauthorized, first we stopped using their online banking to authorize certain large payments, then we just changed banks. But I believe strongly that the money they were deducting from our account may have been used to set up unauthorized accounts. Can someone assist me with how to research this since I no longer even have an account with them, and we did not have paper statements from them from that time period? Thank you!
I have file a report with you to send to Equifax report # XXXX dated XX/XX/XXXX. 
Equifax Accepted and deleted the false report by XX/XX/XXXX. but I check my credit report again and the bankruptcy is reported back again .... and it is NOT MINE. please check the last XXXX numbers of the bankruptcy report attach it shows XXXX NOT MINE ... ... my last XXXX are XXXX WHY CAN THEY SEE THIS BIG MISTAKE THAT IS RUINING MY LIFE ... ...
I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!!
To Whom it may concern, I have reported to the credit union about having XXXX XXXX XXXX on my credit report I have know Idea who this person is my ID check was stolen by this person was reported in XXXX MN in maybe XXXX some where are that year it has been a long time. Please remove. I also notice under Soft Inquiries there are a list of XXXX XXXX  on my credit report I have not request for any credit from any one these company I never called them or filled out any paper work not sure how they got my name I really appreciate if all of wrong information be removed ASAP. Only thing since my Bankruptcy should be on my credit report is XXXX which is the only credit card I have which I just required in XX/XX/XXXX. I have not request any other credit card you have XXXXXXXX XXXX as and error please remove. I am trying to keep my credit on the right track. Thanks
Hi my name is XXXX XXXX  and I have been writing your company endlessly and also writing directly to XXXX to try to get my credit score correct as I am a victim of identity theft since 2009 up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with XXXX the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX  card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also XXXX does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also XXXX is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX  as they keep putting my information at risk.
Someone used my SSN and personal information to apply for a loan to deposit money into a checking account also opened with my information. They emptied the checking account and failed to pay. Now a third party collection agency is calling my personal work phone used for business purposes only.
Dealing with Ocwen loan servicing and have been denied loan modification and multiple sending of paperwork and struggles with them is discouraging. I ca n't afford an attorney to do my modification for me, if I could, I probably would n't need a modification. They are crooks that just try to string people along and force foreclosure. my income was reduced due to hours cut at work from 40 to 30 and I could pay a modified payment. Denied and not helpful at all with any suggestions.
I had some financial difficulties and decided to apply for a loan through Just Military Loans. Now I know it is my responsibilty to read everything and that I am responsible for my debts, but I do not feel it is right to charge 80 % interest rate on any loan. I know that throught the SCRA I could reduce it to 6 % if i accured the loan before active duty, but even after you enter Active Duty I believe there should be a cap on the interest rate a company can charge you. This should go for any consumer loan company.