WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, My name is XXXX XXXX, my loan was transferred to Nationstar Mortgage in XX/XX/2013. Since, then I have to contact them multiple times out the year just to ensure the correct amount is paid on my taxes. This is the worst company!! When I returned home from work, I received a letter stating I have a surplus in my Escrow account of {$870.00}. This is not correct as the Taxes for my Summer Taxes were {$2500.00}, and {$140.00}. And my winter taxes were {$23.00} and {$450.00}. XXXX XXXX {$1300.00}. Yet, on the Escrow statement they sent me it has my City Tax as {$1900.00}. My total for my Escrow Account not including MIP was {$4400.00}. Yes, they have total disbursements as {$3300.00}. This is a difference of {$1000.00}. This has been an ongoing issue, not mention very stressful. I believe part of the problem is their computer software is OLD and out dated. Can someone please assist me?! I have spoken with XXXX XXXX and XXXX XXXX at the Ohio office. Last year, before XXXX XXXX said he would flag my account so this would not continue to be an issue. Guess, he did not.
Cashcall is attempting to collect a fraudulent debt.

My identity was stolen= $ XXXX were charged on Credit Cards with my information. They have since been removed from my credit report.

Cashcall at this time will not remove the debt and can not provide verification. I have pursued this as fraudulent with them to no avail.

This has been going on for four years. They held the debt in collections beyond the legal limit for state and refused to move it off until they received two separate CFPB complaints. They can not provide the form information or verify the source of the form information. This has been going on for over four years now and I need it removed.
CarMax Business Services LLC  sold a car on   XXXX   XXXX   XXXX   and provided financing to someone who they should have known was not qualified to borrow any money. The person they provided the financing to has not had a job for over  XXXX  years and has never had a credit card or a loan. If they had done even the most basic credit check, they would have been able to determine this. Instead, the buyer was given a loan at almost 12 % interest. He will not be able to repay the loan and his family members had to assume the debt to avoid the risk of having the car repossessed.
I am a retired veteran. 
When my loan originated my wife, who is now deceased had XXXX. 
The loan should not be legal at all with this XXXX. 
XXXX will not help me save my home. 
I am XXXX and could be homeless. 
My home is upside down by {$80000.00}
XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX   {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX
In the course of getting approved for a credit card from Capital One, I reviewed my credit reports and discovered they had conducted a " hard inquiry '' on several of my credit reports multiple times without my express authorization. Fortunately, my XXXX report was frozen and not able to be accessed. However, my XXXX and XXXX reports were not, and now have a total of XXXX hard inquires from Capital One! This is ridiculous, and unnecessarily damages my otherwise excellent credit. I authorized only XXXX inquiry when I applied initially, not XXXX. As a result, while applying for another card I was denied. On the adverse action letter it stated the reason for denials was " too many recent inquiries '' ... unsurprising I suppose considering the damage Capital One recklessly incurred to my credit reports. This denial of my applications has had a tangible and negative effect on me ; I was counting on getting approved. I am hopeful the CFPB can assist me in getting this situation remedied ASAP.
Back after XXXX/XXXX/XXXX ( XXXX ) I had received an email that I thought it was amazon.com where it looked legit saying that they wanted my name, credit card information and my social security number. Then on XXXX/XXXX/XXXX at exactly XXXX., I had received a fraud alert from Chase Bank saying that there was {$21.00} taken out at a computer software store. So the bank has blocked my credit card for security purposes. Chase Bank had disputed for unauthorized purchases that was not made from me. XXXX of the unauthorized purchases was from XXXX for the amounts of {$20.00} and {$3.00} that was made on XXXX/XXXX/XXXX. XXXX was from XXXX at a computer software store ( unkown merchant and location ) for the amount of {$21.00} that was made on XXXX/XXXX/XXXX ( {$100.00} in total ). Chase Bank had put the unauthorized transactions back into my account where the merchant also put {$56.00} back in my account. Then on XXXX/XXXX/XXXX, Chase Bank " supposedly '' written on emails. Unfortunately, I had a hard time logging on their website which was not there " normal '' Chase Bank website, but there " claims department '' website. Without any warning and and hardly no communication between the merchant, the bank and myself, Chase Bank had the audacity to reverse the credit of the amount of {$56.00} out of my bank account on XXXX/XXXX/XXXX which almost put me in the hole and in the red. I had tried to dispute the bank due to lack of communication within the merchant as well as the bank. So now Chase Bank had penalize me for their mistake for not pinpointing the " mistake '' from the beginning. This was not the Merchant 's falt, but the Chase Bank 's falt and NOT including myself.
It is my belief that my original complaint dated XX/XX/XXXX was erroneously classified as a dispute of a Credit Score and the CFPB Complaint ID XXXX was subsequently closed as a result of such a classification. Therefore, I am rewording & again submitting my primary complaint with very concise concerns. ( 1 ) Please provide me with the chapter and verse, per se, of the FCRA regulation which allows Credit Reporting Agencies to delete non-adverse payment data on accounts that have been Paid and Closed for at least ten years? This request is being made since deletion of such aged data appears to be an industry norm. Meaning, all three of the major Credit Reporting Agencies appear to be engaged in the same activity. ( 2 )  Regarding my account that was opened back in XX/XX/XXXX, I can see data going back only about seven years reflected on your latest report. Why is it, all of my perfect payment details going back to XXXX is not being shown for this account? Instead, your agency is mailing to me of a lot of reference material using a lot of paper which includes at least one non-working phone number for a XXXX, XXXX, number XXXX. Regarding this alleged toll free number, I again dialed it on XX/XX/XXXX, at XXXX XXXX  CDT. A recorded message states in part, were sorry the number you have dialed is not in service at this time or can not be reached from your calling area. As you may be aware, so-called reformed hardened street criminals, cyber criminals, bullies, as well as, persons just harboring hate have many different means they are using these days to either defraud one of goods & services or just simply to disrupt and/or deprive one of the rightful use and access of what rightfully & legally belongs to another person. Please mail me a new credit report once you have completed your research, if any.
XXXX has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the nordstrom card that had unauthorized charges and nordstrom has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do
I owed a debt to an original credit grantor, ( XXXX XXXX XXXX XXXX ) some how ( MCM ) midland credit management was brought in to collect the debt, we ( MCM and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to XXXX division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from XXXX mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my MCM account with no mention of the XXXX XXXX XXXX Bank account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
After further investigation into my problem that began on   XX/XX/XXXX , I fi nally discovered what has transpired without my knowledge damaging my perfect credit with no help from  XXXX   XXXX  whereas they continue to willfully violate the Fair Credit Reporting Act.     I had a  XXXX  M FINANCIAL lease which I turned in on  XX/XX/XXXX  (   XXXX   XXXX   ) I extended th e lease by  ( 1 ) month w hich was verified and paid on time just like every payment in this history on this  XXXX   XXXX  Lease that matured on   XX/XX/XXXX .       GM Financial agreed  to waive charges if I took out another lease with them and so on      XX/XX/XXXX   , I    signed for a new lease for a  XXXX   XXXX   XXXX  for 39 months.     Since inception date of new lease (  XXXX   XXXX   ) and disposition of former  lease (  XXXX   XXXX   )  both conducted on the same date (   XX/XX/XXXX  ), I never e ver heard fr om GM FINANCIAL  except for sending me monthly bills on my new lease to which I have paid to date without every being late 30 days ever.     I never received a final bill for my former lea se (   XXXX   XXXX   ) in any capacity. I NEVER received a bill asking for payment by Regular U.S. Mail, Express Mail, email of record, voicem ail on my phone number on record, no text message, absolutely no conveying of a debt owed at all.      First of all, I should n ot have a bill since I acquired a new lease through them again and secondly, If I did have an actual bill, I should 've had a chance to receive a bill to be able to review it and then pay for it. On   XX/XX/XXXX ,  all  XXXX  credit bureaus  (  XXXX ,  XXXX  and   XXXX   ) have me    CURRENTLY at 60  days late.     I have never ever been late 30 days ever to ANY CREDITOR ever at any point in my life and to have this erroneous mark appear with a " Past Due Balance of {$700.00} '' is not only absurd but unprofessional and in violation.     If I was alerted property, I would have paid that {$700.00} is indeed I owed {$700.00} dollars to them.      1st, s ince my lease termed and ended  on  XX/XX/XXXX , WHY did GM FINANCIAL fail  to properly notify me in any capacity and in addition, WHY did they wait 9 months without  zero communications to suddenly place a " current 60 day late '' on my credit reports damaging my c redit reports and damaging my current application for a refinancing of my residential property?     I have now also alerte  d the State Attorney and the Federal Trade Commission.
This erroneous trade-line must be deleted at once by GM FINANCIAL and a  lso must furnish a copy of this alleged final bill of " {$700.00} '' so it can be property paid if in fact this is a factual owed amount and itemized.     Thanks.
On or about XX/XX/18 diversified recovery bureau llc XXXX diversifieldrecoverybureaullc.com contacted my mother in law XXXX XXXX and attempted to get information about me. She informed me that the caller identified hersel as XXXX XXXX. I called them back and informed them that this practice is not acceptable and should not continue.
After dismissing an adversary proceeding XX/XX/XXXX, I was told by attorneys including XXXX attorney that they would work with me regarding paying back loan. I am currently unemployed. XXXX only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and XXXX said nothing else was available. My loans went back to Citizens Bank the original lender. XX/XX/18 Citizens offered forbearance but the form had to be mailed to me. XX/XX/XXXX XXXX XXXX from Citizens put account on hold waiting for forbearance. I filled out the form and faxed it to XXXX on XX/XX/XXXXas I was advised to and was told again by XXXX that forbearance was not available. XX/XX/18 received letter from XXXX that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by XXXX even though they escalate the call. I was told by XXXX that Citizens bank  didn't know that I had no options available.
I have contact this company at least 2 time about this company XXXX XXXX XXXX Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX/ nowXXXX XXXX XXXX still XXXX XXXX XXXX I have tried and my attorney has written a letter to Experian as well as your company Payment Status Details Balance {$510.00} Public Record Summary Public Records 0 Yet i recieved a report for credit from EXPERIAN that there is a Public Record that not true Experian is giving false  accounts of Public Record
XXXX XXXX has reported the same account twice on my credit report. 

XXXX XXXX added the second account with the same account number a year after the account was closed. 

I have uploaded a copy of my TransUnion Report showing the same account listed twice. I have also uploaded the letter I have sent to XXXX XXXX. 

I have called XXXX XXXX to explain the situation many times since this error was reported. I was only able to reach someone twice by phone. Both times I was spoken to rudely with aggression from XXXX.
XX/XX/XXXX I applied online for a XXXX credit card so that I could finance equipment. I received a letter from Comenity Capital Bank stating that they declined because I am XXXX years of age. XXXXHowever, I am in fact XXXX years of age. The letter of declination that I received did not notify of where they received this information, and when I contacted XXXX by telephone they refused to tell me where they received such information. 
XX/XX/2016 I received a letter from the IRS indicating that someone had fraudulently used my SSN to file fraudulent tax return. I explained this to XXXX and they still would not inform as to where they received the information regarding my date of birth. 
Then 2 weeks ago I made a purchase on the very same XXXX website using a well established Credit Card. After 24 hours I received an email from XXXX canceling my order. They are now refusing to do business with me. I called but was treated rudely by someone in Sales who refused to escalate my call to someone with more authority and more access. He instead did the same as hang up on me when he transferred me against my instruction. The next person opened a case for me stating that someone would be calling me with 24 hours or thereabouts. 
I have not heard from them in over a week. They have fraudulent information regarding my identification, they will not inform as to where they received such information and they are refusing to do business with me.
In XXXX I consolidated my Federal student loans. At the time my loan was being serviced by Sallie Mae. The balance of the consolidation loan was {$23000.00}. Over the past 10 years most of the time my loan was either in an In-School Deferment, Repayment or a forbearance because of economic hardship. Approximately XXXX my loan was transferred over to Navient to be serviced. After it transferred to Navient I noticed that my loan balance was over {$48000.00} which is about {$25000.00} more than it was previous. My first impression was that this has to be a duplicate entry on my report. I have disputed this entry with all 3 credit bureaus. One of the 3 seems to have removed the duplicate entry. However, I recently also pulled the NSLDS file and it is showing two FFEL Consolidated loans with Navient. I again believe that this is a duplicate entry. I have not been able to get details of the loan balance with Navient or had any success in getting their help to understand the account balance. I spoke to a representative at Navient and their answer was to put me in a Deferment until I could get someone to sort out why my balance was so high and put in a dispute. My goal is to have the account reviewed to see if this in fact is a duplicate student loan entry and figure out the path to get this entry removed from all 3 credit bureaus, as well as to have Navient stop collection on an invalid loan balance. 

I have also noticed that on some of my Credit Reports and Student Loan Account information with XXXX XXXX and Navient that they have my middle initial as XXXX XXXX XXXX. My middle name XXXX and therefore it should be designated as XXXX. I am not sure if there are other XXXX XXXX whose information could be crossing with mine causing some of the balance discrepancies.
One XX/XX/18, I discovered a fraudulent ACH transfer made on XX/XX/18 from my Bank of America Small Business Checking, one day after the amount had posted to my account. On the next business day ( XX/XX/18 ) I called both the bank and the merchant ( XXXX XXXX  ). Bank of America told me to fax in a claim ( which I did immediately ), and XXXX XXXX agreed that the transaction looked fraudulent ( they had no indication or proof that I had requested, initiated, authorized or approved the ACH transfer ). XXXX said I merely had to dispute the charge through my bank, Bank of America, and that they would quickly reverse the ACH transfer ( which had been deposited into their XXXX XXXX   account, on behalf the individual who fraudulently requested the transfer ). For the last two months I've been told that my claim was in review at Bank of America ( many calls to check in on it ). Bank of America then denied my claim, stating that the receiving bank/merchant had declined to reverse the charge. In phone calls with XXXX, they claimed that they would immediately refund the transfer if it was disputed by my bank. However, my bank said it was declined. Bank of America has provided no proof that XXXX and/or the receiving bank had authorization from me for this ACH payment, nor will they even send me documents to prove that they made the dispute. The ACH payment was made to a company I've never heard of and have never done business with.
My annual income and house payment or rent amount were requested by Discover card. My concerns about privacy and identity theft lead me to believe that this information should not be requested by credit cards. Verification of employment would make sense when applying for a card.
I purchased an automobile in XXXX XXXX 2014 and was financed through XXXX XXXX where negative equity was rolled into the asking price of the new vehicle. As a result this inflated the cost of the vehicle to {$24000.00} with monthly payments of {$540.00}. Did not realize at the time of signing the impact the interest rates would have on the loan, especially in the event payment is late. I have experienced some hardship and had to either defer or pay late. In defering payments, I was charged up to half of the monthly payment just to defer payments. When looking at my last statement, after making 24 payments I still owe over {$20000.00} on a XXXX XXXX XXXX that currently values at {$9000.00}. the 24 payments paid ( + {$13000.00} ) does not include other fees paid. To add insult to injury, my last payment of {$540.00} shows that {$540.00} of it went to interest. 

This is killing me, and because of the negative equity in the now value of the car, I am unable to get out of this car/loan without an astronomical expense.
Capital One mailed me a check for remaining funds in my 360 Checking account, a total of XXXX. Check was received on XX/XX/XXXX, deposited to my XXXX account the same day. A stop payment was placed by Capital One which has caused XXXX account to become overdrawn the entire amount of the check plus ten overdraft fees in the amount of XXXX each and a returned check fee in the amount of XXXX, a total of XXXX. Prior to all this occurring, I spoke with several supervisors, one by the name of XXXX ... They were able to get a member of the Security in take team on the phone, a XXXX .... She stated she spoke with an investigator and was instructed she could go ahead and close out account, get check sent for remaining funds, a total of XXXX. A check was received on XX/XX/XXXX via mail, however, a stop payment placed on it as stated prior. I am now overdrawn this amount plus XXXX, a total of XXXX. I need a check for this amount ASAP. I've left message for a XXXX XXXX, about seven in total, she had not returned them.
A perpetrator falsified  XXXX  on or around  XXXX   XXXX ,  XXXX . I suspect spoofing crime which bribed authorities on  XXXX   XXXX ,  XXXX . The same pattern of hazing crime was committed on another reference number which helped criminals make advance by falsehood and unconstitutional response to  XXXX . If a government does not care to pay or waste   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , it would not be my concern or fear. After all, some of them took grants, contracts or scholarship by malpractice or identity fraud.
I made a payment to Bank of America from a checking account ( XXXX ) that I am not actively using, thus the account did not have sufficient funds for the payment. I contact BOFA on XXXX/XXXX/17, a day after I made the payment and realized my mistake, and asked them to cancel the transaction. They advised me on the phone at that time that the payment from the XXXX account would be reversed. During the same call I also made a payment over the phone with my new checking account ; that payment was immediately processed. 
On XXXX/XXXX/17 the initial payment from my XXXX checking account still had not been reversed so i called BOFA again and asked that it be reversed. Their representative again stated that it was reversed. I asked that they send me an email confirmation of the reversal. As of today the payment has not been reversed, no email confirmation has been received, and I am incurring overdraft fees from XXXX as a result.
Not only is it very hard these days to pay such expensive student loans with everyday living, but I feel I have called so many times since ive had my loans XX/XX/XXXX and it just seems impossible. The first couple times they were lowered but when I called XX/XX/XXXX they told me i could n't lower them and there was nothing i could do until i paid off my loans. I get it but a very high monthly payment on top of living in the US is not a easy thing. These company 's need to start working with the customers.