WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX turned my account over to this company for an error that was clearly XXXX when I tried to get them paid. They do n't know how to work their systems and now are attempting to collect a debt not owed to them. This collection agency did n't verify the validity of the debt prior to sending me a threatening notice to sue me and report to the credit bureaus if I did n't provide them with proof. I owe them nothing! XXXX should 've waited for a response to their last letter to me prior to turning my account over to collections. When I tried to get them to make sure the payment was made and to rectify the issues I was having with their systems and CS people, they did n't move this fast nor did they care. Now they think I owe them something I do n't so they 're aggressively trying to collect on a debt that is not owed by me to them. They had amply opportunity to take care of the debt when I asked them repeatedly to credit the rental policy refund to the auto policy balance due. They assured me it would take place yet sent me a check anyway. Because they screwed up I cashed the check because I refused to go through the hassled of turning that check around to them especially since I 'd repeatedly asked them to make sure I did n't get a refund! So if this collection agency wants to come after me I 'll happily sue them right along with XXXX! If they report anything on my credit I will sue both companies as well.
CITY OF XXXX is still reporting negative information to my credit report. This acct was paid in full & was supposed to be removed when paid. I have disputed it numerous times with Experian & sent the company a letter requesting it be removed per our agreement. They continue to report it, which is damaging my credit & impacting my ability to get a loan. This issue is causing me great emotional & financial stress & is having a major impact on my family & work lives. I would like this removed as agreed upon when paid.
The credit reporting agencies have been marketing their services to me while attempting to access my free credit report each year.
On my monthly credit card statement was a paypal charge {$8.00}. I checked my XXXX   account ( which I havent used in many years ). No transactions were shown for the last two or more years. The phone number next to this supposed charge on my statement is XXXX ( XXXX ) XXXX CA. I called this number and the computer told welcome to XXXX. I immediately terminated the call. I did contact the bank in regards to this charge and they are also looking into this. I realize {$8.00} is a very small amount to be concerned about, but something that is being used as an attempt to commit identity theft. 

Thank you.
I am refinancing my home and have mortgage insurance. My current mortgage provider is Seterus Inc. Loan number : XXXX. I have requested a copy of my current mortgage insurance certification. I have personally called 8 times and have spent about 6 hours on the phone only to be put on hold, transferred and then never provided what I am requesting. This is holding up my refinance and rates are going up. I would like a copy of my current mortgage insurance sent to me directly XXXXXXXXXXXX or fax to me XXXX XXXX asap. I also file a complaint a month ago with no response.
I have been in contact with Navient as well as XXXX, XXXX and XXXX. XXXX has removed some of the accounts but there are still 5 posted on my credit report. XXXX and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with Navient. I have nevwr had a loan with this company. I sent notices since XXXX of 2017 to no avail.
I filed a chapter XXXX bankruptcy XX/XX/XXXX. It should 've been removed XX/XX/XXXX with Equifax credit reporting agency. But it has not. The chapter XXXX bankruptcy has been removed from XXXX and XXXX reporting agency. I contacted Equifax to have it removed they told me it stays on 10 years there because they are not state regulated but federal. I want this off of my report immediately. I want to file formal complaint with CFPB
I had some unauthorized transactions on my card, but when I filed disputes my card was suddenly closed, and no transactions were disputed.
Purchased online dating service XXXX XXXX XXXX was overcharged for the database and did not have the database I was looking for was charged {$8500.00} and they would not send an email to the XXXX to ask someone to join the club that I was interested in.
I had a mortgage with XXXX. After Hurricane Irma, I contacted XXXX who offered a forbearance. They offered 3 options. One of the options offered was to have three months payments moved to the end of my loan without penalty. this is the option I chose. This was all done on the telephone. I did not make my next payment thinking that it would be moved to the end of my loan.
Within a couple of weeks, XXXX sold my mortgage to SLS ( Specialized Loan Servicing LLC ). When I contacted SLS, they advised that at the end of the forbearance a balloon payment for any payments missed would be due. They advised that moving the payments to the end of the loan was not an option. I asked if SLS was going to honor the offer from XXXX. they advised that they did not have anything from XXXX saying that they were allowing payments to be moved to the end of the loan. I contacted XXXX ( XXXX @ XXXX, XXXX  XXXX ). XXXX advised that moving the payments to the end of the loan was, in fact an option they offered and SLS would be required to honor the offer. I have now missed a second mortgage payment and SLS is saying that they are waiting on XXXX to advise if they were going to honor that option. I was told by SLS that they have received several complaints from customers that were with XXXX and are now with SLS over this same issue.
On XX/XX/XXXX, I submitted an application for a credit card with my local credit union, XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA ). I was told that my application was pending and that I would be notified of the response within 24 hours. It is now XX/XX/XXXX and I have heard nothing from the institution. Moreover, the inquiry on my Experian credit report is for an installment loan, rather than a credit card. Due to the inaccurate information reported, I would like the inquiry removed from my credit report at once. Due to the unprofessional conduct of this bank not notifying me for several business days after my application, let alone within the 24 hours stated at the time, this bank should be flagged in the CFPB system.
I am a real estate broker and have a property listed ( short-sale ) XXXX XXXX XXXX, XXXX, Ca. The negotiator/closer approved the short sale last week XX/XX/2016 with a closing to happen XX/XX/XXXX, this Friday with the current buyer. 
I made DiTech aware that this is a short time to close. Today I requested an extension on the closing date to remove some liens off the title of the property that we are awaiting clearance from the lien holders, and they denied my request saying they will not extend this close date because property foreclosure date is on XX/XX/2016. I again asked for an extension of XX/XX/2016 since it 's before XX/XX/2016 and they denied it. 

The sellers and myself have done everything possible to avoid foreclosure, and it is unfortunate DiTech is not reasonably cooperating.
I graduated during the financial crisis in XX/XX/XXXX. Couldn't find a full time job until XX/XX/XXXX when my monthly salary was less than $ 30k and Sallie Mae asked me to make my first payment of {$1600.00} towards my student loan which at the time was impossible, it still is even though I make a decent salary. Over the years I have worked with the lender to help lower my payments by extending the life of the loan, sometimes having to forebear, etc. I've worked with them as much as I could and currently making monthly payments at around {$1300.00}. No matter how hard I tried to keep up I couldn't. WIth the majority of my income going towards my student loans I fell into credit card debt to survive. I just did an analysis of my Navient Student loan payments and discovered that. 
1. I made $ XXXX in payments since XX/XX/XXXX 2. Only 10 % or $ XXXX of that went towards my principal balance 3. I still have $ XXXX in student loan debt. This means if it takes $ XXXX out of my pocket to pay off $ XXXX in principal balance, then I'll be paying XXXX  XXXX overtime to pay off my loans ... SEND HELP. 

I've attached all my payment history for reference.
I want the reports updated and information with this house loan and other accounts on my reports Experian / XXXX / XXXX XXXX they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new one on line and by the mail. i have attached paper work to as whom i, am with the 3 credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX   the amount of {$560.00} opened XX/XX/2016. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXX A by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX A I decided to contact again XXXX XXXX A by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
On XXXX/XXXX/2015 I requested Capital One to remove a fraudulent charge, they refused. A police report was filed with the XXXX County Police Department and all XXXX credit agencies notified, a warning placed on my credit of ID theft. Officers found I was a victim of identity theft. Bank denied my claim and continues to state they are correct and I am indebted to them.
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Equifax has listed on my credit report that my student aid loan, XXXX, was sold or transferred. This is INCORRECT information. I paid that loan in its entirety myself with a last payment of over {$2000.00}. This needs to be addressed as soon as possible.
Nelnet accepted my payment online for {$200.00} through my checking account which is also my credit card its the same account then they refunded the money. I was on a low payment plan because I was laid off but that was set to expire which means my payments would go up to {$600.00} a month I cant afford that. Meanwhile I am gaining interest of around {$500.00} a month I owe {$65000.00}. Upon graduation XXXX said I owe them XXXX more dollars and never gave me my XXXX degree I have no transcripts and no degree and the school has closed. I cant get a job because Im a XXXX I shouldve never been approved for the program in the first place. I am driving a truck and have been since XX/XX/2014 when I graduated.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I received a letter telling me my Mortgage was past due. I knew I had a auto pay bi weekly coming out of my account for years. I called the company they were RUDE, unprofessional and basically told me I did n't know what I was talking about. I called my bank, then I finally tracked down my payments. I was then told that the company I was using ( which is a third party company ) was a rip off. They also told me they did not deal with third party companies, which was not true. I never had to contact the company I was using to change my payment amount. The third party company has ALWAYS notified me regarding changes from the mortgage company annually, due to increase in property tax or home owner insurance. But this year the only notice they received fro Green Tree Servicing was to decrease my amount. After that was done a couple of time at the first of the year, that is when I got the letter from GTS. So now they are calling me monthly, for an extra payment and wanting to charge me late and processing fees. They still refuse to contact the third party company. I would love to change to another more qualified company that can get the job done right the first time. This company has shown to be the worse ever.
This line of credit/home equity loan originated in  XXXX  of    1968 f or {$40000.00}. There were never any increases in the amount of the loan. However, as of date they are telling me that I owe a balance of more than {$34000.00}. The company HSBC/Beneficial/HFC has refused to refinance the loan, explain why the balance is so high so many years later and they have made it seemingly impossible to refinance with another lending institution as the loan has been reported as released at the clerks office here in  my county.
On XXXX XXXX I called my local XXXX XXXX California branch to talk about my account. I was answered and given personal account information without verifying or authenticating I am account holder. I asked if anyone can call and get personal information with just my name, they yried to deny it stating she did not give personal information, but she did inform me about previous transactions on my account. I called again one week later to the call center to file a complaint, they said they were going to, but never happened. I called my local branch again to make sure maybe it was just that one call, they gave me payment information and debt information without verifying I am account not holder. I asked the associate why she did n't verify I am account holder because that is private information and I would n't want anyone to just call and get it, she stated that they are not required to ask questions to authenticate customers, when I asked her how is my information protected she then put me on hold and transferred me to the manager without telling me. The manager stated that they do normally ask questions but she does n't understand why I was complaining about this. I was also called on XXXX XXXX, to collect a debt that was n't due until XXXX XXXX, payment was not late yet, when I got in contact with them and asked them why are they making a collection call before me due date, and again did not verify me, her words were " I was just wondering if you were going to make it on time, " the company is one main, in XXXX XXXX, California. I received a call today XXXX/XXXX/XXXX from the call center, they again just gave me payment information without authenticating me, I asked how is my information protected and she stated they are not required to ask authentication information u till after the call and after all information is given. I feel my informative n is not protected and they are violating consumer information privacy.
The Company,  XXXX   XXXX   XXXX , has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  XXXX   XXXX  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  XXXX , the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?
I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Equifax is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.
Quicken Loans has been slow rolling me in refinancing my mortgage. The home is worth $ XXXX with a mortgage of $ XXXX. 

They have ruined my credit score. Why are you treating a fellow XXXX alum this way, XXXX XXXX? 

Shame. 

See you in court. 

XXXX XXXX Class of XX/XX/XXXX
I have leased a  XX/XX/XXXX    XXXX   XXXX   since  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of   XXXX    each. I was told that the payments for the month of  XX/XX/XXXX  and  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and  XXXX  reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX   but declined to do anything further. This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  has reported.
This is the second time this has happened. I successfully reapplied for my Income Based Repayment through XXXX, and thought that I was all set to stay on my Income Based Repayment plan. For a reason unbeknownst to me, I have been removed from that plan and told to reapply, and so my accrued interest has been immediately capitalized, and I have been moved to a flat payment where the payment amount is so high and causes a financial hardship. The first time this happened, in XXXX, the customer service representative put me into forbearance and told me that they never received my income documentation that I had sent. It then took Navient 3 months to get me back on the plan ( original complaint filed XXXX XXXX, finally placed on plan in XXXX XXXX ). This time, I have not been able to speak to customer service, and do not want to go into forbearance, so I will have to make this payment while trying to get back on the plan. But I will have had the interest capitalized, which ads to the hardship.
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without consent to apply for a credit card with XXXX XXXX. That application resulted in an inquiry into her XXXX credit report XX/XX/XXXX. XXXX 's was notified of this in an official dispute XX/XX/XXXX however as of this date XXXX 's has not replied to our client with the status of the results of that dispute as is their obligation under the FCRA.
XX/XX/XXXX, we were victims of a financial scam involving a cashier check. This was for a purchase of equipment we had for sale. The check was out of state, it was deposited into our account we checked on it few days later was advised that it was good by bank employee. We were not told that it could be a scam by the bank. It was found later that BBVA bank on the day of deposit they had training on this particular issue. The bank knew this was going on we were not aware of it or made aware of it. On XX/XX/XXXX we saw that our account was cleaned out not by the perpetrator but by the bank. They discovered the cashiers check was bogus. Did not even contact us. We had to contact them, we tried to work with them they would only say we were solely responsible for everything. Would not work with us. Even filed report with local police department, was told that the bank was responsible for what had transpired. Foward to XX/XX/XXXX we attempted to open a college fund account for our Grandson but was denied. We contacted a company called XXXX XXXX that handles these issues. Our current bank XXXX In XXXX, XXXX.the information we recieved regarding this matter stated that it was due to a fraudulent account. They made it sound as if we were the perpetrator.
I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXX-Multiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names