WillisBack/dataset-financial-user-claim huggingface dataset:
I recently applied for credit and during a review of my credit report an entry for Alpine Credit was identified as active and unpaid. This is patently false and I have documentation to prove my claim in the form of the payment receipt and confirmation from Alpine that the debt was paid in full back in XXXX of 2012 along with a guarantee from XXXX XXXX XXXX XXXX that the debt would be removed from all of my credit reports!
I am a current paid subscriber of the paid Equifax Credit Watch Gold service. As a paid subscriber I am entitled to receive a new, updated copy of my current credit report daily. 
I have continued to subscribe to this service as I am one of the approximately 182,000 individuals that Equifax has confirmed and notified that had documentation with personally identifiable information compromised in the security breach disclosed in XX/XX/XXXX. 

The last successful report I was able to generate was on XX/XX/XXXX. 
On XX/XX/XXXX multiple attempts to generate a report all failed, reporting an Eval code Status code FL, Reason code NH. 
On XX/XX/XXXX multiple attempts to generate a report all failed. As per the instructions with the failure I attempted to contact Equifax Customer Care at XXXX.

During this call I was transferred around and spoke with 4 different individuals, who were all courteous but who made varying attempts to assist.

During a subsequent logout of my account and login, I noticed that the " Average Equifax Credit Score for your zip code '' line showed an incorrect zip code, not my correct current zip code. 
The 4th individual I spoke to concluded by telling me to call Global Customer Care at XXXX due to having multiple addresses on my file.

The 5th individual I spoke to apparently made a change that would ostensibly fix the problem. 
I could not generate a report on the XXXX. I could also not generate reports on XX/XX/XXXX or XX/XX/XXXX. 
When calling Customer Care on XX/XX/XXXX the representative told me that I needed to contact XXXX again. 
I have attached a copy of the page that under " Latest Credit Score '' shows " Average Equifax Credit Score for your zip code, <redacted>, is <redacted>. " This is not my correct zip code. 
I also attached a copy of the output from XXXX XXXX reporting the report generation failure, the error codes generated, and the phone number to contact Equifax Customer Care.
I called navient to set up a payment arrangement even tho I had put my loan in deferment, I wanted to still make some type of payement. I asked can I be set up on auto pay for XXXX dollars bi-weekly, which would have covered the interest I would accumulate. The representative told me, they do n't accept transactions under XXXX dollars per transaction.I received this loan while attending XXXX College which at the the was handled under XXXX XXXX and transferred over to Navient.
I have an account with Care Credit. I have always paid more than the minimum payment due. Recently I came out of the grace period for no interest charges. Since this happened I am paying {$50.00} in interest each month. Only half of my monthly payment is going towards the principle of what I owe. I am on Social Security with a fixed income. I can not afford to pay this much in interest each month. I called Care Credit and asked was their something I could do and they told me to make higher payments each month which is not possible. I ca n't afford what I am paying.
After reviewing my credit report I found information, which needs to be corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am requesting that the item be deleted to correct the information.
XXXX XXXX XXXX poses as a lender who lend money to XXXX like myself. 
I poses as a lender for XXXX branch in XXXX Ohio. I wired to him {$1600.00} as fees and can not deliver. I told him today is a do or do n't. If he can not deliver refund me the money or I will get proper authority involved. He wrote me to say this : " Have you enrolled for anti money laundering program. If not then you have to get it done before funds will reflect in your account. I can help you with that. ''
I asked for a workout plan and they were not willing to help me ... .I am experiencing a huge hardship. I am receiving calls at my place of business daily from Alliant Capital Management Llc. I hang up once they get rude and they will call back using different extension to get transferred back to my office to continue the harassment. At times when I hung up they would just keep calling my office number back to back for 15 to 20 minutes. They have given information about me to other people without my consent at my job and have called family and upset them ... making them think I am in trouble. I am not comfortable with the nature of these calls and they are threatening to come to my job ... .The company is representing XXXX @ XXXX ... .their name is Alliant Capital Llc Management ... their address is XXXX XXXX XXXX XXXX XXXX, Ny. XXXX and their phone number is XXXX.This is causing me problems at my job.
I was sued and a judgement for a 17 year old credit card debt was entered against and they sent the summons to an address that I haven't ever lived at. It was my sister 's old address and a summons was never served there for either of those court dates. My sister said that someone came there in early XXXX and asked if I lived there and she told them that I do not live there and they left. This company was able to locate my current work address for a garnishment order so they should have been able to locate my current address because it's on my credit report and they purposely stated that they sent a summons to the wrong address and I haven't seen proof that someone even signed for that summons. I don't remember this debt and don't feel that I have been able to fairly answer to this. Also if it's 17 years old can I be sued over this? I called the court and they said a judgement was entered against me in XXXX for XXXX and renewed on XXXX and was for XXXX plus XXXX in interest totalling XXXX but I have no knowledge of either of these judgments and the reason I am finding out about this is because a garnishment order was sent to my employer and they informed me. Is there anything I can do to stop this or get this resolved without being garnished. Were my legal rights violated? Wouldn't XXXX even be past the statute of limitations if this debt is 17 years old? I only have 14 days to figure this out according to the court papers. Did this company break a law by not serving me correctly? I called the attorney on this and she said that nothing can be done and they do whatever they need to do to collect this debt. I don't even know if this debt is truly mine. I would like to know my legal rights regarding this. I just found out recently that an ex wife that I've been divorced from for several years still has a credit card with my name on it and I shouldn't be responsible if I didn't create the debt but with such limited information I can't defend myself on this. The only information I have is that the debt is 17 years old and that this company went to court without properly notifying me twice and a judgement against me was made and now I'm being garnished.
On XXXX/XXXX/XXXX Harvest Credit Management illegally collected funds from my XXXX XXXX XXXX XXXX savings account in the amount of {$10000.00}. These were funds directly from my deceased mothers life insurance policy and were exempt. This is in addition to insurance benefits funds they also took last year and in XXXX from my XXXX XXXX XXXX XXXX account prior to my closing my account. 
The difference though is that these were kept separate from any earnings as I had no earning for XXXX yet ( to Date ). I would wish to collect interest as damages in the amount the Credit Card company wished to charge prior to closing my account. I closed all my credi accounts with XXXX and XXXX in XXXX. But each of the XXXX major card companies all jumped the interest to 29 % and 35 % and tripled the debt I owed before losing the accounts after three to four months regardless of XXXX or XXXX company credit requests. 

I feel that any and all credit card companies that disregard the Major Nationwide Credit safety companies requests deserve to be shut down as they are choosing to operate in an Internet Environment without accepting third party Security Provisions.
Select Portfolio Servicing and XXXX XXXX XXXX have attempted twice to foreclose on the principle amount of {$970000.00}. I had modified with XXXX XXXX/XXXX/09. The principle amount then was {$910000.00}. Select Portfolio monthly mortgage statements show the principle amount is {$840000.00}. Why the disparity in amounts? I have complained multitude of times. I have had two trustee sale dates. I have proven to SPS that they are in violation of Dual Tracking. And they claim they did not. I have documentation from XXXX XXXX XXXX recording a trustee sale date while I am in the Modification Loop. What can I do when they deny and deny the accuracy of the sale date county recordings and the ongoing documentation request for the pretend modification? Do I send you all the proof of the first sale date? 
Does SPS have the XXXX information. Where is my true Deed of Trust and Note? And now where do I go with the Dual Tracking proof?
I originally only borrowed about XXXX in student loans while in college. I XXXX in 2009 and have had trouble paying them back. XXXX XXXX now Navient never told me about lowering my payments or doing options other than forbarence. I could have possibly made a lower payment but they always just suggested forbarence so that is what I had to do. I did it until I could n't do it any more and now I owe over XXXX. This amount is obsured. It literally causes stress every day. I heard from a friend last year about PAYE and I signed up for it through the federal website. It automatically put my loans through fed loan servicing and now I owe them XXXX and not Navient. Navient misled me when I could have made cheaper payments and I do n't feel I should have to pay back my total loans because of that.
I purchased visa gift card labeled as debit from giftcardmall, but they are sending product incapable of handling debit transactions. 

The major issue is that this specific debit product I received does not come with PIN ( in violation of federal reserve board regulations ), therefore, it can not be processed as debit card even though it has the word of DEBIT on the card. 

Additionally, they deliberately mixed the " terms and conditions '' of different products ( issued by different banks ) for the same item, so that consumers are unable to tell which product we are actually purchasing. 

The terms and conditions page for the item : XXXXXXXXThe terms and conditions page for XXXX product : XXXX
There is a medical collection from 7 years ago still listed, it was an error reported  XXXX  states  XXXX  which is not accurate I fought this and insurance paid back in   XXXX   this is a violation of my rights and not even verifiable why is Equifax still listing it. Requesting removal ASAP
PNC Bank is able to do lots of things for customers in real time. I can make a cash deposit or withdrawal and my account balance changes instantly. I can transfer funds and the account balances are updated instantly. Oddly, the one thing the bank can not do is to notify customers when accounts are overdrawn. Now why is this? Could it be because fees account for half of PNC 's income? The bank pays items on one day, sees that an account is overdrawn and waits until shortly after XXXX to notify a customer the account is overdrawn. They'll call this overnight processing. Somehow, they can notify me in real time during overnight processing. PNC and other banks used to do to re-order items to pay from largest to smallest, knowing that by doing this instead of paying chronologically, they could assess more fees. Fortunately CFPB took this of this practice and I am describing one more area where I hope you will work on behalf of consumers.
I called and spoke with an agent to revoke my ACH authorization and turn off the auto payment function of my account. I had submitted a power of attorney to Avant indicating that I would now be making payments through a debt management program supervised by XXXX XXXX XXXX XXXX ( XXXX ) This was on or around XX/XX/XXXX. On XX/XX/XXXX, Avant pulled XXXX dollars out of my bank account in the form of an electronic draft, despite the fact that I had specifically revoked all authorizations. They knew that would receive payment through the DMP, but they went ahead and double charged me!!! I called to get the payment reversed but the next agent said thet the previous agent should have transferred me to a different department to get the ACH revoked so despite the error on their part they refused to refund the XXXX and said I could file a complaint with my bank. <P/>Then, on XX/XX/XXXX, the payment through my Debt management plan was made and posted to my account, thus proving that they had accepted and agreed to the DMP and yet still chose to sneak in another charge that was clearly unauthorized. <P/>Avant 's actions have lead to my bank account suffering a XXXX overdraft fee and a XXXX extended over draft fee. My bank, XXXX, closed my fraud claim and said that since I had a previous relationship with Avant that the action of removing the XXXX, while acknowledged as unauthorized, was not the banks problem and that I would have to either take it to court or convince Avant to give me a refund. <P/>In essence, Avant took XXXX out of my bank account without my permission, despite having agreed to a Debt Managment Plan with XXXX and accepting payment through the third party. This caused me to suffer XXXX dollars in over draft fees from XXXX. And XXXX refused to deal with the matter. My account still has a negative balance because of this.
Dear CFPB, In XX/XX/2010, I received a supplemental loan modification document from XXXX dated XX/XX/2010. XXXX has since went out of business leaving my loan in the hands of Specialized Loan Servicing. I have tried tirelessly on numerous occasions to resolve this matter with SLS. I have spoken with SLS Senior Counsel, XXXX XXXX who has treated me both unfair and in a very discriminatory manner. XXXX XXXX has belittled me and have hung up on me whenever I try to understand WHY SLS is not honoring the Supplemental Modification Document from XXXX. SLS continuous demand for collection of the incorrect amount is forcing me into a financial crisis. Please see the Supplemental Modification Document attached. Thank you
In XXXX, I sent Equifax and XXXX an dispute for incorrectly reporting XXXX XXXX XXXX {$630.00} on my credit report. No verification with signature or anything else was sent to me that this collection belongs to me.
Amerihome is showing my loan is missing a payment. When the loan first started with Amerihome, XX/XX/XXXX they sent me correspondence to show the start date was actually XXXX. Amerihome ( after several frustrating countless phone calls ) kept my 1st payment in a suspense account and later applied it to the XX/XX/XXXX payment. Months have gone by, no issue with the payment. Now 3 months later, Amerihome is stating I am behind a payment from the start date.

Every time I speak to someone at the office I receive a different answer. No resolution. I do not want to be in default nor be reported to the credit agencies for being late. I am not late. Their records are incorrect. It has been nothing but issues since the start of servicing ( 4 months ). There are 5 " misapplication reversals '' ( see attached ) since the start of the loan. It is always promised that a supervisor will call me within 24 hours to follow up and that has never happened. I can not get a straight answer from anyone.
AMCA letter asking me to pay an amount of {$81.00} to them. " If payment is not made within twenty-one days, your account will be reviewed for additional collection efforts. '' They listed the service provider as XXXX XXXX XXXX. I did not pay this bill because I have paid the {$30.00} debt I owed to XXXX already. 

I called the number the letter provided me, XXXX and it is an automated English accent that did not seem professional.
XXXX XXXX transferred my loan to XXXX the loan was current with XXXX. When the loan was transferred XXXX had put in the XX/XX/XXXX and XX/XX/XXXXpayment owing as fees owed to XXXX XXXX which was made to XXXX in XX/XX/XXXXand XX/XX/XXXX my monthly payment. XXXX is showing more moneys owed which is not correct I should only have a XX/XX/XXXXpayment owed of XXXX. XXXX  is showing XXXX which is incorrect. XXXX XXXX account number is XXXX phone number XXXX. XXXX XXXX loan number is XXXX, Citi Morgage tranferred foreclosure fees and attorney fees which were collected in the chapter XXXX with the trustee. Citi Morgage account number is XXXX number is XXXX. The amount of XXXX of attorney fees and forecloser fees were paid from the trustee.
Enhanced Recovery is attempting to collect on a Debt, that I never received a letter from Enhanced Recovery regarding any information about the debt that they never validated the debt and are illegally reporting. There has been no written correspondence to me regarding this Debt from Enhances Recovery. The original owner of the Debt is XXXX XXXX. Enhance Recovery does not have a contract baring my signature with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
I noticed that XXXX and XXXX, a collection put several collections that I do n't owe on my credit. I disputed them and asked for validation on them. XXXX and XXXX just said I owe it and I need to pay them. 

I do n't owe any medical bills. 

XXXX and XXXX does not have a license or bond to collect in the State of Texas where I live
I have a Paypal account, reluctantly, because it is necessary to have a Paypal account to sell an item on eBay. I filed a previous complaint about this Paypal account with the CFPB because Paypal would not mail a check to me with the account balance. To retrieve my money from my Paypal account I created a special purpose bank account and linked it to the Paypal account. I was able transfer the balance of my Paypal account to my bank and withdraw the money. I sold another item on XXXX XXXX and the buyer paid for the item + the shipping by Paypal. When I printed the mailing label thru eBay, Paypal tried to debit the linked bank account {$2.00} for the shipping, even though the buyer had deposited funds for shipping in my Paypal account. I also had a credit card on file with Paypal. When I linked my bank account to Paypal I did so only to receive the funds from my Paypal account. I did not knowingly authorize Paypal to withdraw funds from my bank account and I would never do so. Paypal 's attempt to withdraw the shipping my my bank account was an unauthorized wire transfer transaction. Because there were no funds in the bank account linked to Paypal ( on purpose because I do not trust Paypal or the Paypal security ), my bank denied the debit and charged me {$32.00} for insufficient funds.
XX/XX/XXXX I checked XXXX XXXX on XXXX  and my score dropped from XXXX to XXXX. It erroneously shows XXXX XXXX  updating a XX/XX/XXXX vehicle showing it was repossed. false it was voluntarily surrendered by me. my credit took an unnessary hit. my credit should be going up not down. i currently lease a XXXX XXXX XXXX with no late payments. Please clear up this unnnecessary confusion and bring my score up to date. Thanks
The Comments in the REMARKS Section Placed by Lending Club on my Credit Report are Wrong and Inaccurate and Need to Be Removed. 
Please Remove : PAYMENT MADE AFTER CHARGE OFF/COLLECTIONS PAID PROFIT AND LOSS. 
1. My Acct WAS NOT CHARGED OFF OR SENT TO COLLECTIONS. PAID PROFIT AND LOSS.

2. I AM ACCUSING LENDING CLUB OF DELIBERATELY AND PURPOSELY GIVING ME WRONG/INCORRECT INFORMATION ON OUR RECORDED PHONE CONVERSATION ON XXXX XXXX. 
I WAS TOLD BY 2 EMPLOYEES THE COMMENTS ON THE REMARKS SECTION OF MY CREDIT REPORT WILL BE REMOVED BECAUSE MY ACCT HAD NOT YET BEEN CHARGED OFF. 
3. PLEASE REMOVE ALL COMMENTS IN REMARKS SECTION.

4. PLEASE LISTEN TO VOICE RECORDING OF CONVERSATION ON XX/XX/XXXX. 

THANK YOU
I have several complaints against Nationstar Mortgage. First, my loan was dual tracked for foreclosure after I submitted an application for a loan modification. Second, I am being double charged " legal fees '' and " property inspection fees '' by Nationstar Mortgage based on the terms of my final loan modification which was to include all of these fees ( notwithstanding the dual tracking ), and third, Nationstar has refused to credit my bill in a timely manner. 

As the attached documents show, I submitted a request for loan modification assistance, and received a confirmation on XX/XX/XXXX of the request. My loan was then referred to foreclosure on XX/XX/XXXX. 

I received trial modification approval on XX/XX/XXXX, and on XX/XX/XXXX received a permanent loan modification. The terms of the permanent loan modification under paragraph 1 state that it includes " any legal fees and related foreclosure costs that may have been accrued for work completed ''. 

Nonetheless, I have continued to receive a fees in the amount of {$340.00} for " legal fees '' and " property inspections '' that should not have been charged in the first place based on the fact that my loan was originally dual tracked, and at any rate would have been included in my XX/XX/XXXX loan modification. I have disputed these fees numerous times, and I have been told various inconsistent things by the customer service representatives. The last official notice brushes the issue aside completely. I am reaching out to the Consumer Financial Protection Bureau to help resolve this matter, since Nationstar refuses to correct it on their own accord.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX/XXXX/XXXX To whom it may concern due to investigation by XXXX and XXXX they have determined that these Inquires from. 

XXXX ( X/X/17 ) ( X/XX/17 ) ( X/XX/17 ) ( X/XX/17 ) ( X/XX/17 ) X/XX/17 ) ( X/XX/17 ) are duplicate inquires and were removed from my credit file please find and investigate the company and dates attached and update my credit file to reflect and correct these findings. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter XXXX XXXX
I paid XXXX XXXX A Professional Law Corporation, Attorney XXXX XXXX, XXXX # XXXX {$5100.00} to represent me in XXXX XXXX, Case No. XXXX. It is to my knowledge that Attorney XXXX XXXX was paid by Bank of America funds to which I also would like to receive from Bank of America. Bank of America foreclosed on my property, while I was trying to do a modification. The State Bar disbarred Attorney XXXX XXXX, XXXX. The Federal Trade Commission stated that case no. XXXX XXXX went to the U.S. District Court for the XXXX District of California. XXXX XXXX did get paid and maybe more. I will be faxing paperwork asap. Anything you can do to help would be appreciated. Thanks in Advance.