WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Equifax failed to properly secure my personal information leading to a public realease of my personal information without my consent. High ranking members then sold off stock before releasing news of the improper release of data, which is illegal insider trading and fraud. I 'm now highly vulnerable to credit fraud and my score seems way too low on XXXX XXXX. I want Equifax to send me all information and reports it has related to me, including credit, background, licensing etc, any service they provide in any industry that has any data related to me. I want a full reset to a perfect credit score and 5 years of credit monitoring.
We have an existing mortgage with Ditech. In XX/XX/2017 we got approved for a trial period plan modification. We had to make three consecutive payments in XXXX, XXXX and XX/XX/2017 to be eligible for a permanent modification. We paid the the XX/XX/2017 and XX/XX/2017 payments. When making the XXXX payment we had mailed a check but Ditech had not received the check as of XX/XX/XXXX so a representative from Ditech called us to find out when they would be receiving XXXX 's payment. We informed them that we had mailed a check but since they had not received it yet we would stop payment on the check that we had mailed and make the payment electronically so it would not affect the trial modification. So on XX/XX/2017 we had a stop payment put on the check and made the payment electronically. We figured since the payment was made electronically to Ditech we would okay with the modification and our checking account would not be overdrawn when the check was presented against the account since we had stopped payment on the check. We thought everything was okay and were approved for a permanent modification. We did not realize that Ditech had credited our account for both payments ( the electronic payment and stopped check payment ) so instead of removing the second payment from the account in XX/XX/2017 Ditech waited until XX/XX/2017 to deduct the stopped check payment from our account therefore putting our Mortgage a month payment behind. We do not understand why this was done in XX/XX/2017 and not in XX/XX/2017. We have copies of the stop payment from the bank and and a copy of the check showing Ditech had presented the check to be paid in XX/XX/2017 not XX/XX/2017. If the payment had been deducted at the proper time before the modification paperwork was finalized we would not be behind on the mortgage again. This is the second complaint against Ditech. Back in XX/XX/2017 we had filed a complaint against them because we had applied several times for a modification and they kept stating they did not receive paperwork and such but we had sent the paperwork certified mail and we able to prove that they had indeed received it and shortly after the complaint they had offered us the trial modification. We would appreciate any help in this matter. We have a son with XXXX XXXX XXXX which is taking a huge financial toll on us even with health insurance. It is necessary for him to have XXXX on a daily basis ( his body no longer produces any XXXX ) along with XXXX XXXX XXXX and other XXXX and everything is very costly. We are so upset that we had gotten ourselves back on track just to be put right back in the same situation. Thanks again for everything.
Talked to XXXX XXXX XXXX XXXX XXXX at Quicken loans who is supposedly a senior mortgage banker about getting a mortgage. I told him I wanted to be able to pay the mortgage off quickly with no penalties. He told me that when most banks sell mortgages to other banks, the new bank can change the terms, including charging huge fees if you pay it off early but that Quicken does n't do that. I said I do n't believe that is true and that I did n't want to do business with a person who lies. I just think it was unethical and he should be reprimanded in some way.
I have had trouble with my federal student loans since they were sold to Navient without my permission. I did not choose them to be my service provider. 

First, they put me in a repayment plan that was not the best option for me and would have cost me thousands of dollars more over time. I figured it out on my own, and it was nearly impossible to have it switched when I did. No response from customer service, social media, no follow through. 

As of right now, I have been paying at least double ( often more ) on my student loans since XX/XX/2017. I am asking that with each payment, that the due date gets advanced. Despite this request every single month ( on their website prompting me to make the request! ), my due date says this month. This is 100 % entirely incorrect. My due date is not being advanced. This is putting me in financial danger if I pay more and then become unemployed. It is illegal to take my extra money and not apply it as I am indicating on my loans. This is an option with EVERY online payment - and every time, I have requested to advance my due date with the extra payment money. 

They are not responding to this problem via phone, social media, email communication or through their online portal. Please help. I am also not certain whether my extra money is being applied correctly. There is nothing on their site to see the history of how my payments were applied or what interest is accrued monthly, retrospectively. It simply provides a list of my payments without any actual details of how they were applied over time.
XXXX XXXX Hospital sent me to collection for XXXX that I do n't owe them. I tried to contact them to have them send me a contract stating why owe them when they were taking money out of my account every month.I gave the dog away and they still thought I was suppose to pay them for a dog I no longer had I want a contract stating I owe this amount with my signature I want this account removed from my account IC Systems XXXX XXXX 2016, is the collection agency I want removed
I submitted a written request to Asset Acceptance , LLC dated XXXX XXXX, 2015 they received my written request on XXXX XXXX, 2015. On XXXX XXXX, XXXX I received a letter from them stating they purchased my account, however they REFUSE to validate my account as per my written request and has placed this account on my credit reports. They failed to Validate within a timely manner and they are trying to collect on a zombie debt. Violation of FCRA and FDCA
In XXXX-XXXX of 2017 I was unable to make payments due to being out of work. I was not receiving any income due to a medical leave of absence. I am up to date with all payments and made back payments as well. Please consider removing this from my credit score as I was unable to control hospitalization. I am now trying to purchase a home and due to my low credit score, I am being denied the loan amount needed.
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to me.
I am behind on my motorcycle payment, and understand that money is owed. I have spoken to them informing them to my situation and they continue to make 5-7 calls per day often one after another. I have no problem with daily calls as they are attempting to collect money that I owe them, however the volume of calls is straight on harassment. While I do admit that I owe them money they are violating FDCPA guidelines and it needs to be corrected.
Money was put in to my account without permission they also was not suppose to put money in with the permission of the owner they claim that its was a loan and it was their money and they remove it because it belongs to them. And they claim that someone in the middle of the night on XX/XX/XXXX tried to obtain another loan on XX/XX/XXXX and it was rejected.They claim someone of this computer frudalancy took out a loan without the permission or consent of the owner Since we both know the account number and bank account number which can be my social security number instead of the bank account number and that 's not so! We have survallence videos of the room at night .If anyone operated the computer at night, we will know! That happens at night in this room. The video camera 's in this room stay on 24 hours a day 7 days a week 365 day a year.
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Cease and decisist violation is XXXX issue along with a refusal to consider important aspects of my situation. 
In mid 2009, when I was still current on my loans, XXXX XXXX and the associated financial problems forced me to request the lender to restructiure my with XXXX Bank. This was a proactive request made in anticipation of future buget problems. There has never been a response to this request for restructuring the loan. In spite of sending the letter by Certified Mail, First Clss mail and FAX, I never received a reply. XXXX months latter I sent a follow up to those lender. I have never received a reply and the home went into foreclosure. Because my XXXX demands that I live in a single story home it had been my intent to move into this home. Now, because of the foreclosure I lost both this property, my credit rating and have been forced to spend more than {$35000.00} in construction costs to make it possible for me to live in my XXXX story home. I ca n't go upstairs and, because of my ruined credit rating it would have been very difficult to get a new mortgage. 

The XXXX reported that XXXX XXXX XXXX Solutions purchased XXXX XXXX loans for XXXX cents on the dollar. In response to the aggressive regotiations and harassment by XXXX XXXX when attempting to force me to settle, I seved by cerified mail a Cease and Desist Order. 

Presumably my loan and file were then sold on at another discount to Green Tree Services. Again after negotiating in good faith I had to point out that a cease and desist demand is in my file. They have never provided documentation to show that they actually owned my loan. As a remedy to their refusal to acknowledge the fact that I had been financialy damaged I urged them to have the matter heard by a judge. They refused and XXXX XXXX said 'That would never happen '.
I have been trying to get a name off a title and and do a title state change for 5 months. 
As of now it is still not finished. 
I moved from XXXX to XXXX in XXXX. I called to ask about the name removal and state change. They said I did n't need to name removal and they would send me the papers I needed to register the car in XXXX. It took over 4 weeks and numerous calls before I received the papers. I found out that I did need to have my sisters name off the title. I have been making calls ever since. I have been told I was wrong, that it ca n't be done, that the papers were in the mail. That I did n't request the name removal, that I had to call the XXXX, that the titles dept had to take care of that. Then in XXXX they sent to papers to me then to the XXXX. I was told to check back in a few weeks. When I called back I was told the XXXX said I had to travel back to XXXX with my sister to sign papers. I called XXXX and was told we could have signed a POF then the company could handle everything for me.I called the company back and was told that was wrong, or that they did n't know where to send the papers. So as of now it is still not finished. To me either the employee did n't know what to do, or they acted very rude to me. Example was today. I spoke to a woman who said she was from the presidents office. She told me i did n't ask for a name change, then said I would have to travel to sign the papers, or the papers were in the mail and there was nothing she could do about it. She had no resolution for my problem. That there were XXXX states and she did n't know the laws in each state. I filed with the XXXX and they keep saying it is my fault. I asked for the interest back that I should n't have paid and all they did was state the terms of the loan. I had plans of paying off the loan in XXXX. I explained that to each person I spoke to. I finally went on line printed out the POF from that web site and submitted it. Again I was told I was wrong, or that all the paper work was not submitted and refused by XXXX. As of today XXXX/XXXX/2016 5 months later this is still not resolved. I am attaching their responses to the XXXX.
We obtained a Reverse Mortgage on our mother 's home via her living trust in order to provide her with in home medical care. Our mother passed away in XXXX. Our loan was sold to Reverse Mortgage Solutions for servicing. We notified Reverse Mortgage solutions of our intentions to complete the terms of the living trust and sell the house to pay off the Reverse Mortgage in XXXX. We were instructed by the representative of Reverse Mortgage Solutions that we would have three months to settle the trust and sell the house, and that if we could show the house was in process of being sold, we could have a three month extension to complete the sale if needed, for a total of 6 mos. We were also told in our HUD counseling session prior to signing the loan that we would have 6 months to settle the trust and sell the house. We settled the trust in XXXX and sent copies of the trust documents to Reverse Mortgage Solutions. We followed up via telephone and email to confirm the documents were received and informed representatives of Reverse Mortgage Solutions the house was being readied to go on the market and should be listed in mid XXXX. In XXXX we again notified Reverse Mortgage Solutions by email and by phone of our progress and requested a payoff statement for the loan in anticipation of closing the sale on XXXX XXXX. The Payoff statement we received states it is good until XXXX XXXX. During escrow in XXXX, the escrow officer requested a revised payoff statement as she could not accept our copy and needed XXXX sent directly to the Escrow Office by Reverse Mortgage Solutions. She was told it could not be sent before XXXX XXXX. We delayed the close of escrow to accommodate the schedule of Reverse Mortgage Solutions. The statement did not come on XXXX XXXX and when we called were told the loan was in default, and had been in default since XXXX, that Foreclosure procedures had been started, that they had received no communication from us regarding our intentions, and that once a property is in default, it is not possible to request a payout statement for a specific time frame. Our buyer needed to be out of their existing home by XXXX XXXX, and their approved loan expired end of XXXX. We spend one and a half hours on the phone talking to various representatives of Reverse Mortgage Solutions and all of them insisted they were not able to provide us with the payout document. We were trying to pay off the loan and they were the only obstacle to doing so, and they repeatedly and steadfastly refused to give us the document we needed that only they could provide. They said their records showed we had never contacted them to discuss our intentions or progress, but we have well documented our correspondence and conversations with the various representatives. They also claim we were notified we were in default, but we never received any notification that we were in default or that Foreclosure proceedings were in process neither in conversations, email or by post.
I sent the following email to National Asset, but I continue to receive calls from them on my cell phone during the day, while I am at a work. I have asked to please contact me by email or after XXXX XXXX by phone, but they have ignored my request. I just received another call to my cell phone at XXXX XXXX.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX <XXXX> To : XXXX   <XXXX> ; XXXX   <XXXX> Cc : XXXX  <XXXX> Sent : Tue, XX/XX/2018 XXXX XXXX  Subject : LOAN NUMBER : XXXX - XXXX & XXXX XXXX Re : LOAN NUMBER : XXXX - XXXX & XXXX XXXX  Property Address : XXXX XXXX XXXX , XXXX, NY XXXX Dear XXXX and XXXX , Please place a note on our account, in regards to the above loan number. to please contact us by Email only at XXXX.

We greatly appreciate it. We can not receive personal calls at work and we do not get home from work until after XXXX XXXX.

Please let us know if you have any questions.

Best regards, XXXX XXXX XXXX XXXX
Unauthorized purchase of {$300.00} made via  XXXX  on   X/XX/17  ;  fraud report was immediately called to Chase Bank who reversed the charge ; after their alleged investigation, they recharged the account o n  X/XX/17  ;   n either Chase Bank nor  XXXX  are willing to provide information to verify said purchase ; Chase Bank claims that there is no further investigation pending on their part & that I must sue  XXXX  to recover my funds ;  XXXX  reports to me that this claim/investigation has not yet been finalized on their end and that they never told  Chase  that this purchase was a valid purchase made by me ;  XXXX  went so far as to give m e a city & state  that the goods were delivered to but would not provide the exact address ; both companies are pointing fingers at the other for at fault and neither has been helpful in resolving this fraudulent use of my debit card ; I have filed a police report for identity theft and have filed a complaint with th e AZ Dept of Financial Institutions, and the AZ Attorney General 's office
SPOKE WITH XXXX SEVERAL TIMES ABOUT ACCTS THAT ARE SHOWING ON MY CREDIT REPORT AS CH.XXXX BK, BUT THESE ACCTS WERE PAID YEARS AGO. IVE SPOKEN WITH REPS AT XXXX ADVISED THEM TO LOOK BACK MONTHS AGO AND THEY WILL SEE THESE ACCT ARE PAID. AND THEY REFUSED TO BE HONEST AND REMOVE ACCTS THAT ARE SHOWING INACCURATE/BK. I HAVE TRIED REACHING OUT TO XXXX XXXX TO RESOLVE THESE ISSUES BUT THEY WONT CONTACT ME BACK.
My complaint is about XXXX XXXX which my XXXX credit card is through. I have not paid the bill because they have changed the late fee 3x with no explanation, when I call to discuss issue with account will not speak unless we only discuss payment. Have now started to call extended family and some people, I have nothing to do with. I know I owe part of the bill they are claiming and am more than happy to pay it off, but I am not paying false charges, and now I am being harassed as well as my extended family. I owe some of the bill, but I also have rights.
I purchased a XXXX XXXX XXXX Party tent XX/XX/2016. I did not put this up until late spring, as it was to used in the summer. Once up, it fell down 3-4 times, with the poles each time bending and basically getting to the point of being able to be unfixed. I contacted Walmart.com for assistance and was told XXXX different times, my card would be given a refund for this purchase while they contacted the company it was purchased through to allow me a " Simple '' solution to returning this, as I live in XXXX state and it needs to be shipped to XXXX. I was never given information on returning this and never had any idea I could not return this to a local store. After going over 5-6 weeks with no answer and no return, I called Walmart.com again asking for assistance. NOW, they transferred my complaint to the company this shipped from and I was told this was past the date of being able to be returned. I am LIVID! I was put on hold with no answer to this problem for over 2 months and now I get this?? My order number was XXXX and the purchase price was {$120.00} plus tax. I want this off my credit card and personally think I deserve more at this point, as I have been a loyal customer of Walmart for years.
I have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or 4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX *
I wish to submit a written complaint against Midland Mortgage for reporting errors of late payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. These errors are keeping me from getting a loan on a house in Florida and the loan for the home on XXXX, Texas will close and the loan paid off in full on XXXX/XXXX/XXXX. I have submitted written requests and verbally addressed the accurate reporting of loan payment activity to Midland Mortgage to correct payment activity. I have also followed up with the President of the company and have not received any corrections reported to the 3 lead credit bureau agencies. Midland Mortgage XXXX XXXX XXXX XXXX, OK XXXX XXXX It is my understanding under the fair debt collection act enforced by the FTC, that I have the right to have payments that I have made applied to the particular debt that I indicate. As a debt collector Midland Mortgage is prohibited from unfair practices, under the Fair Credit Reporting Act, enforced by the FTC. I am entitled to have erroneous information on my credit report corrected. I have filed a complaint with the Department of Veterans Affairs and the XXXX  Department of Housing and Community Affairs for assistance. I did my due diligence and submitted requests in writing to have payments applied to the months that I specified. As a XXXX Veteran, I was discriminated against and denied my right, by a Midland Mortgage representative, which he declined my request to revise accurate credit reporting. The loan information has been requested to reflect as follows, account number is XXXX. XXXX XXXX payment onXX/XX/XXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment on XX/XX/XXXXXXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment onXX/XX/XXXX Your prompt assistance to address this filed complaint and credit reporting correction is requested.
I tried to buy a house and the mortgage group notified me that one of the three bureaus they pulled my credit reports from was suspiciously low. Found multiple incorrect items reported on my report on Experian. Tried to resolve the issue in XXXX but Experian provided no assistance in the matter. The information on my account also has multiple instances of someone else 's information ( all of which is overdue ) on it who happens to have the same name and be from the same part of Tennessee as me. This is negatively effecting my life. I'm trying to get a personal auto loan and can not due to this bureau 's negligence in thoroughness.