WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX ,  2016   XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.
See complaint number XXXX for reference. After stating that I would no longer be contacted for a debt owed by someone ( XXXX XXXX ) who had my phone number over 3 years ago, I have once again been contacted by someone claiming to be XXXX XXXX with XXXX XXXX XXXX. Call was this morning ( X/X/2018 ) at XXXX ( PST ). 

I do n't know XXXX XXXX, STOP CALLING ME.
While my husband was on XXXX XXXX I had took out a Parent Loan using SallieMae as the loaner for our son who was going to school at XXXX XXXX College. The loan amount was for XXXX. Since then, the loan amount has grown absorbently to XXXX because of large fees. I had been in constant contact with Navient which had purchased the loan from SallieMae, in order to pay off the loan. We have been paying a monthly payment which has created some hardship for us. We decided to be a good steward of our money and pay it off and they considered it saying they would check with the CEO, but I was told that we had to have the money available to send. With that in mind we refinanced our home and offered them XXXX as a settlement amount. Our home loan then went up because of that word. Back in contact with Navient they then said they would not take less than the full amount of the loan. THey have lied to us, harrassed us on the phone and have made us live stressful.
I 'm concerned with Equifax 's security leak, especially because sources now say that it was due to a 9-year-old security flaw.
I am a student. I have a student checking account. The Union Bank website claims that there is no charge for a student checking account. 

Now, a total of FIVE TIMES, I have been charged a monthly maintenance fee for my student checking account. Once in XX/XX/XXXX, and again in Summer XXXX, Fall of XXXX, and twice in Winter of XXXX. For the first FOUR TIMES, I went into the Union Bank branch nearest to me to rectify the situation. Every time, the teller apologized and reversed the charge, promised it wouldn't happen again. 

Without fail, the charge reappears, at the start of the next month. 

This time, I was not able to access a local branch, so I called a service line. The line transferred me to a representative, and, midway through my explaining the issue, the call disconnected. I then called again, and nothing could get me through to a representative. Being generous, and calling these issues technical difficulties, I am still beyond frustrated that a customer is unable to connect with people who can keep their money from being STOLEN. 

{$50.00} dollars doesn't seem like a lot to most folks in finance, so let me spell it out : {$50.00} is eating for a week and a half. {$50.00} is having enough to keep the utilities running -- imagine you have a midterm ( the grade of which will determine your ability to achieve post-graduate education ), try getting ready without POWER. 

This is theft, and the most degrading and frustrating part is that I've done my best to RESOLVE IT, FIVE TIMES.
My name is XXXX XXXX XXXX. I am an XXXX ( soon to be XXXX ) year old, 26 year XXXX XXXX. The reason I am writing is because I was told some very disturbing news that does not makes any sense to me. 

I purchased my home in XX/XX/XXXX. I have refinanced a couple of times over the years for various reasons. 

In XX/XX/XXXXI suffered a XXXX and a XXXX XXXX. At that point I refinanced my house to add my girlfriend on the title in the event anything happened to me. 

I refinanced my home with Quicken Loans on XX/XX/XXXX. 

My girlfriend, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

As I mentioned I am a 26 year XXXX XXXX. This past year I was told there was a program available to veterans that could assist in paying my property taxes on my home. I inquired about the program and was told by my county that information could not be disclosed to me because I did not own my own home. I did not understand what I was being told because I bought my house and have been making payments since XXXX. 

With the help of family we began to try and understand what I was told. 

Supposedly in XX/XX/XXXXwhen I was in the hospital recovering from a XXXX and XXXX XXXX and refinanced my house I am being told I gave my house to my girlfriend by a deed and that I did not refinance it. I do not understand why someone would think I would do this and I am not sure how this is possible. I refinanced my home to add her on to title. I have been making payments on time every month since I bought my home in XXXX. 

My daughter in law contacted Quicken Loans who last did the refinance on my home. She was told on XX/XX/XXXX by XXXX XXXX from Quicken Loans Originating Team that I was in deed on title at closing in XXXX. She further said that the title company is a sister company and she would have documents forwarded to me showing I was on title. 

I am now being told from Quicken Loans that I am not on title and that I have been paying my mortgage on time every month for a home that I do not own. 

I do not understand. 

In looking at my loan application in XXXX ( copy attached ) with Quicken Loans it shows manner in which title is to be held XXXX. Title will be held in what Name ( s ) : XXXX XXXX, XXXX XXXX XXXX. This goes to show that again all parties agreed that I am the owner of my home. Those were the terms I agreed upon when I refinanced my home. That is why I signed every sheet of paper when I refinanced my home. 

I NEVER gave up ownership of my home. I have no money to go anywhere else. I have equity in my home that I can not afford to lose. I need help to get my home back. 
Loan Information : Quicken Loans Inc. 
Loan Number : XXXX Loan to : XXXX XXXX XXXX XXXX XXXX Mortgage Loan Amount : {$66000.00} My address : XXXX XXXX XXXX, XXXX, Ohio XXXX
I am supposed to be covered under XXXX credit card for travel cancellations if something happens. My uncle died and I cancelled my flight and sent them the documents they asked for ; they have done nothing except tell me they ca n't find the paperwork to now, we need more AFTER I left the country and now have no way of proving he 's my uncle, I provided the funeral paperwork I even sent them the cancellation emails from the travel agency it 's disgusting they are being fraudulent I would n't have bought the tickets with that card if they did n't cover it I could have got cheaper tickets and bought coverage elsewhere. What am I supposed to do ask my grieving aunt for her marriage certificate and then how do I prove she 's my aunt? It 's ridiculous and XXXX card benefits said I did n't need all of that??
I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX for validation of the debt without response, I disputed the account with Experian. Experian supposedly investigated it and came back and said that proper validation was provided to them. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I was provided a XXXX page accounting with the name " XXXX XXXX '' and the address of the apartment complex on it. I again asked for proof this was my account because I did not enter into any lease agreement with that apartment complex. XXXX will not provide it to me and Experian will not say anything other than the account was properly validated. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? Experian will not remove this account even though it has not been able to properly validate it as being my debt. I have repeatedly asked to see the documentation proving it is my debt. Neither Experian nor XXXX has been able to provide any such document. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY!! Thank you.
I have both federal and private loans. XXXX XXXX sold my loans to navient. Since my interest rates have sky rocketed, they have called my family members threatened to take my co-signers belongings. We have copies of all notifications and threats. I have been working with premier documents, but that ends in XX/XX/XXXX,  what do I do?
I am XXXX of those people who opted out of overdraft protection because I did n't think we would need it with a household account and a personal account for myself. Then when I started paying bills all was well with the world then I started getting an overdraft notice because on their online site there is a button to click to use the household account or the personal. Several times now money is in the account and I click on the button but it charges me overdraft and pulls from the personal. 
This time I paid homeowners and car insurance and they hit me with XXXX ODs in my personal account and I have money in the household. Transfer the money and I am still overdrawn by {$66.00}. Is this their way of making money. I went into the branch the XXXX time, the assist manager said if I just wanted to spend money that I did n't have this would happen. I do n't spend money I do n't have because I do n't make enough money as it is. I am very careful, but this is out of hand. I am going to close both accounts and go somewhere else. I do n't believe it, that they could n't see where the money was, they just wanted the od protection fees. Keeping money in the Household acct and less in the personal, The acct numbers are only XXXX digits different
On XXXX XXXX, 2015 me and my wife closed on a refinanced loan with Majestic home loans ( which is now serviced by XXXX ) which agreed that my mortgage payment which was at the time XXXX monthly an owned by nation star mortgage would be lowered to XXXX monthly if we agreed to a refinance offer with there company because of the change in lower fha mortgage insurance rates and requirements.. We did agreed and signed documents to cloan our new loan. On Friday XX/XX/2015 we received a letter in the mail dated XXXX/XXXX/2015 thats states " At the time of closing your loan, your taxes were calculated on the land valude only instead of the entire property ''. For that error majestic home loans stated that our monthly mortgage payment will increase from XXXX monthly to XXXX. So now we are paying more for a mortgage than we were initially paying for our original mortgage which i think is totally wrong and we certainly would not have agreed to this had we know this would be this issue. We even had other offers and GFE 's from different lenders but chose to go with majestic home loans. I think this was very deceitful on there part and most likely fudged numbers to get our business. Instead of saving money we are now having to spend more money which is not right.
Equifax will not remove a dismissed Chapter XXXX bankruptcy filed XXXX/XXXX/XXXX and dismissed in XXXX from my report. 
Some history : I had good credit prior to my marriage in XXXX XXXX. I owned a home and was renting it out when I moved to XXXX, Oregon. In XXXX XXXX I learned that my husband was over {$65000.00} in credit card debt and his home was in forclosure. Because I was unemployed and could not afford my payments, I sold my home on XXXX, Oregon in XXXX in a short sale. In XXXX XXXX we consulted XXXX XXXX, to file a Chapter XXXX bankruptcy. I was working part-time and she said my name had to be on the petition in order to be eligible. Under duress, I agreed to include my name on the petition to avoid forclosure. 
I later learned that spouses do not have to file jointly to be eligible. The XXXX Court website which states " Married individuals must gather this information for their spouse regardless of whether they are filing a joint petition, separate individual petitions, or even if only XXXX spouse is filing. In a situation where only XXXX spouse files, the income and expenses of the non-filing spouse is required so that the court, the trustee and creditors can evaluate the household 's financial position. '' I left my husband in XXXX XXXX and moved back to XXXX. The divorce was final in XXXX XXXX. I started working in XXXX XXXX and have been paying my bills and rebuilding my credit. I 'm trying to purchase a home now and the bankruptcy is still on the Equifax report. 
The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, this record must be deleted from my credit report.
My CD account with XXXX by Goldman Sachs matured on XX/XX/18. I called that day to close it and initially to add funds to it and open again for a new period. My other financial institution was linked to my CD account in order to make the fund transfer. After a few days I called again to confirm the link but I was asked about my employment status in order to proceed. I told them its irrelevant and I dont want to reveal that information. They said its required so in this case I requested to talk to a supervisor. But, the supervisor confirmed it is required. So in that case, I informed the supervisor I want to close the CD account and I want all money to be returned to my to the other financial institution that was linked to my CD account. The supervisor read me a statement that its what I want - to close the account completely and to get the money back and I confirm it again. She said it will take 2-3 days to close the account and another 2-3 days to transfer the money back to me. This conversation was within a 10 grace period and it was on a recorded line. 
I waited a week checking my other institution online account every day if the money from my CD got transferred. But it wasnt. So, I called XXXX again today why I didnt get my money back. They told me that I was supposed to call back within a 24 hours to confirm it again with them. But that is a lie. The supervisor I talked to never said anything like that. And now, They threatened me that they will penalize me with interest and that they renewed my CD - without my permission. 
I need your help because XXXX by Goldman Sachs is not an honest institution. Thank you.
Mortgage Company : Shellpoint Mortgage Servicing Loan # : XXXX The servicing of our loan was transferred to Shellpoint. I had questions about the transfer. On XXXX/XXXX/XXXX I sent a Qualified Written Request to XXXX asking if the transfer was done correctly, was MERS used and who has the title/line. 

Today is XXXX/XXXX/XXXX. I have not received any response to this QWR. I sent follow-up letters on XXXX and XXXX asking for a confirmation of receiving my QWR. .I have heard nothing. RESPA requires a confirmation within 20 days and a response within 60 days. I have back up for all those letters including proof of delivery using US PS priority mail. 

I also believe they have reported negative information regarding my credit and status during this period when they should have been working in some reply to my QWR.
I signed as a guarantor on a lease for my son XXXX XXXX on XXXX XXXX XXXX on a 1 year lease. On XXXX XXXX, XXXX my son signed a new lease on his own, which is the last lease. He signed XXXX prior to that. Once he signed a new lease on his own, I was no longer responsible. This was sent to collection, National Credit systems and they are now saying I owe them. In XXXX XXXX, I commenced to dispute this account and the dispute ended on XXXX XXXX, XXXX, they are still reporting this account as being in dispute and XXXX XXXX XXXX XXXX XXXX is verifying falsely that this account is still in dispute to prolong and stop me from moving forward in closing a loan.
I have XXXX accounts. XXXX ending in XXXX : I have been charged a monthly fee of {$25.00} with no notice or advisement that there would be a charge for anything. I have no idea why it 's being charged after 15 years with the bank. I have emailed, and received no response. They only response I get is to call. I do n't believe it is legal to make me call as I would like their response in writing. 
Account ending XXXX : The account was charged an Overdraft fee of {$35.00} due to a {$10.00} recurring charge at should have been cancelled with the merchant. Since it has been worked out with the merchant, I wo n't be disputing it. I immediately paid the {$10.00} charge the very next day after it was charged, and emailed to request this be removed. However, I received only another {$35.00} charge. Now the account is $ XXXX overdrawn due to less than a {$10.00} charge that was immediately remedied. I emailed them about this, but the same thing, they are saying they will not address this unless I call. I no longer trust this bank, and want everything in writing. I do n't believe it 's legal to make me call them.
Please accept this qualified written request for the following document relating to property commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX. A copy of a XXXX XXXX for SunTrust loan number XXXX. Thank you, XXXX XXXX XXXX
My name is XXXX XXXX XXXX. Following the Equifax data breach I placed a freeze on my credit reports with all three credit agencies. I almost signed up for the " free credit monitoring. I quickly realized if I did indeed log on and use that service the company would no longer be held accountable ... Now, a month and a half later, I need to temporarily lift the freeze and let my lender access my credit report to complete a loan on the asset that I 'm purchasing. I 've been trying to contact Equifax online and over the phone for three hours to lift the freeze and have n't been able to have my request fulfilled. They do n't have access to customer service at all! All their phone numbers refer to automated systems which also do n't work and offer you to send requests via mail! 

I 'm sure there consumed with legal issues and lawsuits but ... Equifax should be especially attentive to its customers now after the data breach, but it seems that the company does n't care about its reputation at all. After three hours of unsuccessful attempts to resolve an issue that should n't have taken longer than a few minutes, I feel totally helpless and lost. 

Bottom line is there are accounts or activity that you do not recognize could indicate identity theft. 

I do want to file a lawsuit for past, present and future damages.. I also want all credit bureaus to remove all 3 credit freezes. 

There seems to be accounts or activity that I do not recognize could indicate identity theft. There is unusual activity taking place at the moment..Now that my personal info is leaked, my social security number, everything! I do n't need 1 year of free credit monitoring, honestly you should be offering 75 years of credit monitoring! But I 'm not interested in your credit monitoring services. 

My lawyer advised me to contact Equifax we recorded the phone calls and it was the worst customer service, words do n't describe. We could not get in touch with one single representative!! ( Over the course of a week )!!!! 



P.S. unrelated to the lawsuit we will most likely file ... I would appreciate a refund from Equifax for the {$15.00} I paid to freeze my credit report. I would also like them to refund me the other {$15.00} to lift the freeze or that they lift a all 3 themselves. I would appreciate if Equifax could lift my credit freeze & contact the other 2 bureaus to remove the credit freeze as well. 

Once that has been completed we will most likely file a lawsuit for damages, this will JEOPARDIZED my identity for THE REST OF MY LIFE! 

Compensation : {>= $1,000,000} Thanks and looking forward to your response.
1.Home Point Financial continues with their deceptive acts and practices. I was given an offer for trial payments which I accepted within the time frame. A few days later, offer was taken back ( page 1 & 2 ). The deceptive acts continues as my kids continue to suffer. 

2. Home Point Financial have violated the Fair Debt Collection Practices Law as well as the Bankruptcy Laws. 

I filed for bankruptcy on XX/XX/XXXX ( page 3 ). Home Point is well aware of that ( page 4 ). Home point Financial is a debt collector ( page 5 ). I understand that Home Point Financial has the right to take a payment from me but they have no right to ask or harass me for a payment under the Fair Debt Collection Practices Law and the Bankruptcy Laws. Please see page 6, letter from Home Point dated XX/XX/XXXX that reads as follows : ''please send certified fund totaling {$2800.00} to Home Point .... .NSF fee ... .credit report. '' The goal of Home Point Financial remain obvious ; I loose my home and they make a nice profit. No one will rent me a place to stay with my kids, therefore, after the auction sale of my home, I will find a shelter to stay with my kids as I continue to search for justice in the court of law. Home Point have not addressed any of my previous concerns. When I have my day in court, Home Point Financial will finally be held accountable for all the laws they have broken.
Service disconnected on XX/XX/XXXX, returned devices, was told it could take 3 months to get final bill in the mail. Waited & noticed bill came at over {$1200.00}. XX/XX/XXXX contacted financial services from the XXXX corporate store, spoke with representative named XXXX who escalated additional charges since XX/XX/XXXX to her supervisor by the name of XXXX. XXXX told me the correct final bill was {$390.00} and that I would get a text message in 24-48 hours when credit was given for the remainder. I never received text message and am now being contacted by a collection agency who states we owe the full balance of over {$1200.00}. XXXX tells me there is nothing they can do even though they do have all the notations on the account from the numerous representatives I have spoken with both in the corporate store and financial services via phone. This has now resulted in effecting my credit and by no fault of my own. I have done what I have been advised to do by XXXX and their financial service team as well as followed up numerous times with no proper result.
Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.