WillisBack/dataset-financial-user-claim huggingface dataset:
In trying to resolve another incident, whereby Navy Federal Credit Union told me they would make a soft inquiry on my credit report and then instead made a hard inquiry, Navy Federal Credit Union emailed me a copy of XXXX XXXX XXXX 's XXXX card number. 

The unauthorized use of my credit report is captured in CFPB incident : XXXX. 

I 'm creating this incident to reflect that XXXX sent me someone else 's credit card information.
This number keeps calling my cell phone. They also called my sister looking for our Brother.     They are lying and saying he has won something and they are clearly a collection agency.     Both mine and my sister 's phone # are on the national do not call list.     Thank you!
While I was paying on a credit recovery plan on my Texas Guaranteed loans through XXXX I was under the impression that once I finish that plan that I was going to continue making payments to XXXX to finish paying off my loans. However once I finished with the plan they transferred it back to TG without my knowledge. I had to actually call TG to find out what had happened to my loans with them. Had I been informed that would have happened in the first place then I would n't have had issues paying TG right away. This switch also happened right when we moved from one state to another so it took some time to get it straightened out.
Dear Consumer Financial Protection Bureau ; I had 15 months of unemployment from XXXX XXXX until late XXXX XXXX. During that time I had a period when my unemployment ran out. We contacted our mortgage lender Wells Fargo. They offered us a hardship and told us to pay {$25.00} a month ; when I got back to work, they said they would work with us to modify the loan. Late XXXX XXXX, I went back to work. When I started to receive paychecks, my wife tried to make a house payment. We were locked out. We could not make any payments. My wife contacted Wells Fargo. They said we had to wait for them to re-assess us. We were told to keep paying the {$25.00} a month until that assessment was completed. We did as they instructed us to do. Once the re-assessment was done, we were told to pay {$18000.00} or the house goes into foreclosure. We appealed and were denied. With this process, XXXX times we were required to fax in my pay stubs. 
I make {$42.00} per hour. If I only worked 40 hours a week, I would gross {$6700.00} in a month. Their calculation came back with my monthly gross being only {$3400.00}. They said I do n't have enough income. That 's not true, besides the fact that I have been working a lot of overtime. I do n't have {$18000.00}, but if they would take a reasonable sum, I would do it. 
They wo n't work with me. They have taken over a week to get correspondance to me that would help us apply for a loan with our credit union, and still can not tell me when to expect those necessary documents. We were not properly informed that at the end of the hardship, they would be foreclosing on our home. 
We are a family of XXXX. We have XXXX little boys ranging in ages XXXX to XXXX. XXXX of our sons is XXXX. We do n't want our sons to lose their home and leave their school. 
We just need Wells Fargo to work with us. We have about {$120000.00} of equity in our home. I 'd refinance out of this, but during the hardship I have marks against me that I 've missed payments and my credit has fallen to XXXX. My wife 's credit is better, but she does n't have any current income. 
I can pay extra on my house payments. I could give them a lump sum of {$5000.00}, as well. If doing the hardship they offered means automatic foreclosure, I think they should have made that clear. I want to pay on my mortgage and get caught back up, but they wo n't accept anything except the {$18000.00}. That 's a lot of money for someone who had been off work for so long. 
Sincerely, XXXX XXXX
I have a " debt '' from a previous employer that i worked for in  XXXX . It was a   XXXX   doctor. The  XXXX  doctor gave all the employees free vision screenings etcs. I bought a pair of prescription sun glasses. It was to come out of my payroll check. I ended up changimg jobs shortly after because I found a better job. The office manager asked if she could keep my last check to pay for the frames. I agreed. NEVER receiving my last check, i assumed all was fine with the presciption glasses. Apparently not. I have disputed and disputed this debt for years. I never once signed anything stating I would be liable for anything better yet something i paid for in full. In   XXXX   XXXX  , i contacted the collection agency to explain what was going on. They did n't care. I explained what was the total of the glasses which was {$210.00} at the time, compared to what they said I owed which is {$470.00}. It 's not right. Its illegal what my past employer did and for the collection agencys doing. This is killing my credit score and its stopping me from pursuing goals that I wanted to meet. Please help. Thank you!
Vicitms of Fraud. We received a phone call that a family member was in need of money because he was being held at a XXXX. XXXX airport. We believed we were sending money to a family member, but later found that we had no idea who the other recipients of the money were. It should have been a clue to us that the money was being sent to XXXX separate places and under a different name than our family member. Once the money was sent we spoke to our family in XXXX and they made no phone calls requesting money from us. The phone calls were made fraudulently and I am afraid these subjects are doing this to more than one person.
The balance reported on XXXX/XXXX/2016 is incorrect. See attached payment was made on XX/XX/2016 in full amount paid was {$2300.00} as attached for your review. It was Debt via EFT as attached. I contacted the Bank XXXX XXXX to verify on the afternoon of the XX/XX/2016. The funds was received and posted to the account. Proof of payment attached. XXXX XXXX called to verifying that the XXXX XXXX as well? The Balance was {$0.00} on the XX/XX/XXXX. I have attempted to resolve the matter with XXXX XXXX and Equifax as inaccurate information have been displayed on my behalf via my Credit Reports. Thank you for your assistance
My latest contact with Chrysler Capital was with XXXX at the XXXX if that is her name and what ever the XXXX is????? I have offered again to go over my complaint and they refuse. The XXXX CRA also are not doing a thorough investigation. Both Chrysler Capital and the CRA are just responding in a way to move the case to show there is something going on and that is it SOMETHING??? This is clearly an intentional act of willful intent to cause harm and is reckless. What is happening to me is NO different than what Santander USA was prosecuted for in Texas. I am not an active service member, However I am a XXXX American citizen. If someone would read all the documentation I am confident one would clearly see that Chrysler Capital has from XXXX XXXX and currently is WILLFULLY causing me harm. I have made a reasonable offer to pay the contract value for the car this allows all parties to move on with no loss. With the exception of the the countless hours I have had to log fighting for my rights. The XXXX, time away from my daughter, both XXXX and XXXX, the XXXX it has caused myself my daughter her mother has put us all a step back in an ongoing healing situation. The sad thing here is there are people within the organisation know exactly what they are doing. This is nothing short of terrorism for profit. I am BEGGING for this case be forwarded to ALL Governing agencies that are capable of granting me the FAIR request to get out from under the abusive control of Chrysler Capital and what ever needs to take place to remove the FRAUDULENT CREDIT REPORTING on myself and joint owner. with NO negative comments. Although I feel I should be compensated at minimum the Maximum amount awarded in small claims court for the obvious violations. I just want to pay of the principle amount get the title and move on. I PRAY that this be escalated to the highest level allowable so I can put this behind me. XXXX. The other thing I keep leaving out. When I first discovered the False reporting in spring of XXXX I had just started rebuilding after horrible time in my life. This triggered a DEEP cycle of XXXX I am prone to and I just XXXX and I let XXXX Credit Cards accounts I recently opened. As we all know the financial implications of that. I started dealing with this again in XXXX of XXXX with no resolution. This is what I believe Chrysler Capital feeds on keeping people in the subprime cycle. That is why I believe there business model is report late payments from a supposed missed first payment, so one ca n't refinance after six months, in addition to racking up fees. My account I believe is over XXXX XXXX Dollars overcharged.
Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not know reason, Nine hard inquiries multiple less than the 14 days between rate inquiries.XX/XX/XXXX XXXX inquiry, did not ask for them to do anything. Please remove inquiryXX/XX/XXXX Inquiry reported from XXXX XXXX XXXX and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX hard inquiries too close to count as separate inquiry. XX/XX/XXXXand XX/XX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have 3 hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called XXXX the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.
I called Experian to remove different address that were listed in my name that are incorrect. They gave me the run around asking me have I used a credit repair company and telling me I need to send in my info to verify that I 'm who I say I am. I verified all the information they needed but since I did n't have report number they could n't remove the addresses for me. This is very hard on me and my family. Identify theft has been happening to me for a very long time. I 'm taking action to sue them in court. They never take a disputed seriously, they will say they verified information but the creditors do n't even have the info so how could Experian have it. Nothing this bureau does makes sense. Please have them remove any negative info off my record.
This collection agency on behalf of XXXX is reporting that I owe {$230.00} for an electric bill after moving out of the apartment. Due to the apartment being uninhabitable due to mold. The mold made me sick and I was instructed by my Physician ro move out. I stop living in the residence in XX/XX/XXXX. I have provided medical and lease information.documentation and they refuse to stop reporting inaccurate information or cancel the charges I did not make.
I have a relationship with credit monitoring companies : 1- XXXX XXXX 2-XXXX XXXX Several times over the last few months, I received notifications from both companies, alerting me, that Freedom Mortgage had made " hard inquiries '' into my credit file. 
This has been without my consent. 
I contacted the company numerous with attempts to question why, and I had not completed a application the times the inquiries were made ( XXXX, XXXX, XXXX, XXXX-twice ) In XXXX I connected with a person who identified his self as XXXX, a manager in Client Services, who spoke with me on a recorded. 
XXXX confirmed the problem was real, and it had been happening to others. 
I asked XXXX where did you get my information from? He stated, XXXX sold them my social security number, but they should not of made the hard inquiry without my authorization or an completed application on file. 

XXXX, said the problem would be escalated, and the inquiries removed immediately, but I would hear back in 24 hours from the sales Manager, this never happened. 
although XXXX provided his phone number, he never ever took any further calls from me, as I attempted to reach him afer " not '' hearing from the infamous Sales Manager with no name. 
After checking back with the credit bureaus suddenly the inquiries disappeared frm XXXX, to only reappear on XX/XX/XXXX. 
After many attempts I was able to reach someone that identified themself as a sales Manager named XXXX XXXX, Who said he too would look into. 
He also provided an email address, and ask for proof which was sent to his email. 
I have not heard back from Mr. XXXX either this was a week ago. 

My Husband has experienced the same.
on all 3 credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} ( which I paid ) and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all 3 bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.
This company is reporting a debts that are inaccurate to my credit report. This company is reporting a debt of XXXX to my credit report falsely. This company is also violating the hippa law I did not authorize my information to be giving to them I have no debt with this company.
We overnighted a check to payoff our Barclay c.c. account ( from refi ) and they received it XX/XX/XXXX ( tracked it ). They called XX/XX/XXXX looking for payment and when told sent check, told not to worry, they would look for it. They called again XX/XX/XXXX and we were told they'd start investigation on their end to look for check and hold interest until XX/XX/XXXX. They called again XX/XX/XXXX looking for payment and guy at other end said woman XX/XX/XXXX never did anything she said she was going to do, apologized and finally started investigation. While waiting the 10 days asked for investigation, we received other calls, got other apologies, but no credit to our account. We received XX/XX/XXXX a letter from XX/XX/XXXX from Barclay saying our account was credited {$3000.00} during investigation, but it never showed. XX/XX/XXXX my husband was threatened by another Barclay person to fax copy cashed check or be in trouble legally, our mortgage company faxed a copy to the 2nd number we were given ( 1st was a lie ) and they said didn't receive it. I faxed a copy XX/XX/XXXX and they said didn't receive it and asked to wait until Friday to call back while they look for copy. Today my husband received another call and was threatened if we didn't have a conference call with mortgage payee, us and Barclay no credit would be issued. We have it all. Please help.
Citibank somehow put me on my wife 's business account when neither she nor I asked for it, when I was never a signatory and never had access to it, and to top it all off it froze her out.We have been having problems with our accounts since XXXX of 2014.
I have asked for validation of this account of original signed documentation of this account belonging to me. When I called and talked to them they told me that they did not have any documents of signed proof for this account belonging to me. This unverified account is hindering me from getting a Home, Employment and other assistance. 
I have sent several letters to Equifax asking them to delete this from my credit report. I called Equifax and I talked to Employer # XXXX XXXX. He stated that they do not need any proof from the original creditor. XXXX also stated that they do not investigate they only report what is being told to Equifax.
I lease a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. I asked Bank of America for a car loan on XX/XX/XXXX which was approved by them. Last month on XX/XX/XXXX I went to the DMV to put the XXXX under my name when they gave me the news that in order to put the XXXX under my name I have to pay the use tax fee of {$3600.00}. I went to the bank and asked why the use tax fee were not pay or why they were not part of the loan. XXXX ( person who helped me approved the loan ) told me to call XXXX XXXX and asked them about the title. I called them & they told me in XXXX that Bank of America was now responsible about the title and the fees. I went again & told XXXX what XXXX XXXX XXXX XXXX told me. As I was handed the forms by XXXX to sign about the loan, I signed a form NOTICE TO PROVIDE FIRST SECURITY INTEREST without being notify by XXXX that I was going to be " responsible to pay all taxes assessed on the vehicle. '' In order to put the XXXX under my name & for me to pay the use taxes, he told me & offer me to Increase my credit on a credit card that I have from Bank of America in order to pay the taxes without paying interest until next year.
Hi There We have the mortgage from Siwell Inc. dba XXXX XXXX XXXX of Texas ( NMLS XXXX ) My Loan # is XXXX. We are refinancing this mortgage with some other lender and requested the pay off request from XXXX XXXX on XX/XX/XXXX. Despite of out more than one dozen call and fax requests they are not giving our pay off amount. They always transfer the call to a loan officer instead on customer service and loan officer try to sell us other mortgage. Today is XX/XX/XXXX and my lock with other lender is expiring on XX/XX/XXXX and the pay off is the only one loan approval condition left. Why these unethical companies let loose to work and bother the people who are their loyal customers My Info XXXX XXXX XXXX
I use XXXX prepaid card, my direct deposit was processed on XX/XX/18 by my employer however XXXX has not made the funds available to me. I called them and they had an eta of XXXX  on XX/XX/XXXX. Now I try to call and get placed on endless holds and then disconnected
I paid off my home loan with Bank Of America and they did n't pay me all my interest back.
I received a letter from JPMorgan Chase Visa on XXXX/XXXX/2015 regarding a change in credit terms. Letter was dated XXXX/XXXX/2015, effective XXXX/XXXX/2015. Is there not a regulation regarding appropriate notice regarding changes in terms? In addition, interest rate went from 9.90+prime to 21.74+prime for new transactions for no apparent reason. No violation in original terms.
I have been logging complaints against Ocwen since XXXX and still my issue and those of at least XXXX other individuals have not had closure with this inept and corrupt company. How long will they be allowed to stay in business and disrupt peoples lives? Their stock continues to drop like a rock. I believe at the time I registered my first complaint, OCWEN stock price was approx. {$60.00} per share. As of right this minute it is trading at {$1.00}. How long before this company is de-listed and sent packing and those who run this company sent to jail? And when will all those people who have been ripped off be compensated for their losses because of this company? 
Again, in my case they have been/are in collusion with XXXX XXXX XXXX XXXX. and their legal representative XXXX XXXX. They were attempting to sue me for approx. {$35000.00} dollars and then settled with me, out-of-court for approx. {$5000.00} and then went directly to Ocwen and received money from them without my knowledge. Then as recent as a couple of month ago in XX/XX/XXXX and STILL do this again for approx. {$7000.00} which OCWEN paid them ( XXXX ) even though this has yet to be rectified. 

I do n't know what else to do/say. Ocwen, should until this gets resolved at the very least, be banned/bared from foreclosing on anyone else. 
As usual I am afraid OCWEN will go under before they can pay me or anyone compensation for all their wrong doing. They are attempting to foreclose on me again ( this is about the 3rd time ). This needs to be stopped NOW. 

Sincerely, XXXX XXXX
Hello, I m having a hard time with XXXX and Experian removing these late payments. XXXX XXXX already removed 6 late payment from the XXXX XXXX XXXX  on my report. please help me get this removed.
I had an outstanding debt that I owed to XXXX XXXX XXXX for a total amount of {$180.00}, the outstanding debt was sent to a collection agency by the name of LJ Ross. After many harassing phone calls I set up a payment with this company to settle my debt. On the date of XX/XX/XXXX LJ Ross withdrew the total amount of my debt of {$180.00} which was previously agreed on. About 5 days after the transaction i checked my credit report and saw my score had gone up due to LJ Ross changing the status of my account to closed and paid in full. Today XX/XX/XXXX I checked my credit report only to see that my score had changed significantly due to LJ Ross adding a new account in collections for the same debt that I had previously paid off. The collection agency of LJ Ross is attempting to collect again on a debt that was previously paid.
In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to Chexsystems. They never responded with my request.
State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway.
I have mortgage with PNC Bank for my condo in DC. After making a regular mortgage payment onXX/XX/XXXX, I made an additional payment of {$24000.00} on XX/XX/XXXX that should all have been applied towards principal. However, instead the payment was considered a regular payment for the payment due on XX/XX/XXXX and thus, only the amount in excess of the regular payment was applied towards the principal. I contacted PNC and after a few phone calls the issue was fixed on XX/XX/XXXX almost a month after the incident.

During my call with a PNC representative, I asked them what can I do to ensure that if I make an extra payment the entire amount gets applied towards the principal. They gave me a phone number to contact. On XX/XX/XXXX, I called the phone number and I paid a {$7.00} fee to make a {$10000.00} additional payment towards the principal. During my phone conversation, I was notified that they can not process a phone payment by phone that is {$10000.00} or more and instead they will have to break it up in two payments but that they could process it in such a way that the entire amount will be applied towards the principal. When I looked at the payment history, I discovered that out of the {$10000.00} payment only {$1000.00} was applied to principal and the remaining {$9000.00} was applied to " OTHER. '' After I discovered this issue, I called again and I was notified that they made a mistake and they will work on fixing the issue but currently, the {$9000.00} payment is PNC possession and has not been applied towards the principal on my mortgage.

When I talked to a PNC representative about two weeks ago during my first call with them regarding the PNC misapplying the extra payment, I also indicated that I would like to know what is the process to remove the PMI payment if my property has appreciated. They indicated that they will send me the information regarding their pre-approved appraisers. However, I have yet to receive such information.
I have an existing mortgage with Chase that I have been trying to refinance since XX/XX/XXXX. All the required documentation was submitted within 10 days, and according to the web portal, we have been cleared to close for at least two months. They do not respond and do not return phone calls. I have tried to pull the plug on the process - asked them to refund the {$500.00} application fee, and they just do not respond. I could have done this through anyone else and closed two months ago. Chase has in effect cost me several thousand dollars with their incompetence. I do n't expect anything to happen, but other consumers should know to go elsewhere.