WillisBack/dataset-financial-user-claim huggingface dataset:
Global credit and collection group XXXX has not stopped calling for over 6 months even though I have repeatedly told them I am not the one whose debt they are trying to collect. I received a new number from XXXX and have repeatedly told them I will do whatever it takes to get my name off the list. Every single time they either hang up when they realize I am not the person looking for or they quickly say ok sir we will take you off, good bye. They will not put me on the phone with a supervisor and I am left with over XXXX missed calls a day on average, a few times they have even called past XXXX at night.
I have been working on this for some time now. XXXX is the only company that is listing my creditors and credit score. XXXX literally told me that I can not have a 1 letter last name. XXXX would no longer help me any further. Experian can not find anything except when entering my middle name of XXXX as my last name. What they did find are two older accounts that were closed over 10 years ago. Experian did open an investigation into the matter. They concluded that my creditors were not reporting any information to them. So I called all of my creditors, 5 student loans and 4 credit cards and they all state the same thing. They are reporting my name and information to the three credit bureaus as is - XXXX   XXXX  XXXX. This is now affecting my ability to purchase a new home. Please help me ASAP.
I submitted a complaint to the CFPB on XXXX XXXX, 2016. ( Case No. XXXX ) The bank allegedly responded on XXXX XXXX, 2016 to the complaint and said " Per the coding on the account, a response has been sent to the attorney on file. '' I checked with my attorney who represented me previously in a lawsuit involving the bank and he stated he has not received any response from the bank regarding my CFPB complaint. By the time I tried to dispute the bank 's response, more than 60 days had elapsed and I could n't respond. Please reopen this matter and ask the bank to resend the response they allegedly sent to my lawyer directly to me.
I already described it, but it went away. Will try again. 
My mortgage was with PNC Mortgage, my heloc was with PNC Bank. 
Our credit was great, until my husband died 3 years ago, I had to filebankruptcy, Chapter XXXX. Mortgage & Bank continued to be paid. 
After the bankruptcy the mortgage company would not send me anew payment book, the Bank would not report my payments to thecredit bureau. I needed to get some credit again, I needed to refinancehouse because of a balloon payt with PNC. Could not get a credit card. 
I have now refinanced, am finished with PNC and would not ever referthem to anybody, would warn my friends. I could not get an answer asto why they were not reporting.
I had XXXX in XXXX which XXXX while on business in California. I asked the hotel to call me a taxi. They called an ambulance stating it was their policy if someone needed medical assistance. I refused all treatment in the ambulance so nothing happened in the ambulance other than a ride to the hospital while lay on their gurney. 

My insurance company paid XXXX % of what it informed me was fair and reasonable for the bill. My recollection is this amounted to approximately {$400.00} for the ambulance service. I offered to settle for the remainder of the bill {$100.00} which by my calculation would be the other XXXX % of the amount that my insurance company said was fair and reasonable. This has never been accepted, but instead this is now the XXXX agency calling and trying to collect significantly more. I did not ask for the ambulance. I did not sign anything stating I would pay for the ambulance unless it was hidden in the hospital registration documents which I read at the time as covering hospital charges. ( This too was signed at a time I was under duress due to pain. ) Even so, it is unreasonable to charge any price the ambulance company chooses that has no relationship to the cost just because they see an opportunity to gouge someone who can afford to pay more than the services are worth. ( Please note : I have selected the " best '' description above ; the debt is mine. My logic is that the amounts in excess of what I feel is fair, are not mine. )
On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX  XXXX XXXX to AC  Autopay XXXX XXXX XXXX., XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.
I had a car loan with Santander Consumer USA. I made a payment of {$450.00} while in the process of trading that vehicle for a new vehicle. My last statement had a " estimate payoff '' of {$18000.00}, however that week, the dealership payoff amount was {$18000.00} not including the amount I had just paid. I proceeded with the trade financed by XXXX XXXX. I was told by the dealership the difference from the payment I made would be refunded to me. Since then I contacted Santander USA after receiving a payoff statement. They could not tell anything because the account was closed.
I am writing to request your assistance in getting the PMI off my mortgage loan. 
In XXXX, with the help of my family, I bought a home for myself ( a single mom ) and three sons The mortgage was in the name of XXXX & XXXX XXXX ( my sister and brother-in-law, with my name on the title ) ; the amount of the original mortgage was {$120000.00}, including home owners insurance, interest and PMI. 
At the time of the closing, we were told the PMI would be automatically dropped once I established a consistent, timely, and good payments ; probably within two years In XXXX, the housing market fell, and like many homeowners I now owed more than my house was worth Unlike many homeowners ( or banks ), I did n't walk away from my responsibility I kept making payments However, now the PMI had a new rule : the house had to be paid to 20 % of its original worth, in order for the PMI to be dropped. Since my house was now worth little more than half of what we originally paid, this goal was no longer an option. 
In XXXX, we refinanced {$97000.00} for a lower interest rate The lender was Green Tree Servicing LLC, XXXX, XXXX , XXXX XXXX, MN XXXX Account # XXXX. Again we were told the PMI would automatically come off after a history of payments was established. After refinancing, we also put an upstairs addition on the house, adding XXXX bedrooms and another bathroom, paid for with my own money. 
In XXXX, my loan was sold to and is currently : Ditech, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX. Monday-Friday XXXX ; Saturday XXXX XXXX Account # XXXX. 
My Mortgage started at {$120000.00} today the balance is at {$77000.00}. In fourteen years, I have not missed a single payment, nor was I a single day late. In fact, for the past two years, I have been putting approximately {$100.00} extra a month on the principle of my loan. 
This time when I called to have the PMI removed, I was told I would have to pay {$1000.00} to have one of their appraiser 's come out to access my home. This is almost equivalent to a year of PMI! My understanding has always been that the lender would drop the PMI automatically, when the balance of my mortgage fell to 80 percent of the original value of my home. 
I feel victimized. There does n't seem to be an end to the PMI on my mortgage. The finish line keeps getting pushed away. The rules keep changing. 
I would greatly appreciate your assistance in this matter. If you need additional information please call me at ( XXXX ) XXXX. Or email me at : XXXX. 
Is n't it odd that my mortgage was sold to a company that exists at the same address as the previous company?? 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Dear Sir/Madam : Several false and fraudulent instruments have been filed on my property : XXXX XXXX XXXX XXXX, XXXX, California in violation of the law at, inter alia, 18 US Code 471, 472 and 473 and Cal. Penal Code 115 ( a ) and ( b ) by some people. 
In accordance to the Federal Emergency Act of 1933 -- HJR 192, Public Law 73-10, i : tendered a payment for the alleged debt, XXXX XXXX XXXX XXXX XXXX and its Co Parties, Agent ( s ) Principle ( s ) neither returned my payment, nor refused nor rejected it, therefore pursuant to UCC Sections 3603 and 3307 which are the same as California Commercial Code Sections 3-603 AND 3-307, the alleged debt is discharged. This fact [ i.e. my offer of tender and XXXX and its Co Parties Agent ( s ) Principle ( s ) refusal to accept, or deny, or reject and return of my offer of tender ] have been filed in California Secretary of State signed and executed under penalty of perjury. However, XXXX XXXX XXXX XXXX XXXX and all of its co parties agent ( s ) principle ( s ) are refusing to send my discharge papers to me while they continue to harass, intimidate, stalk and demonize me, see attached Exhibit A, which include : 1 ) true and correct copies of my filings in California Secretary of State for breach of contract, and 2 ) true and correct copies of my filings for my TILA rescission at 15 USC 1635 ( i ) 2 and at 3 ) 15 USC 16351in XXXX XXXX County Recorder.5 in XXXX XXXX County Recorder. 
i : am, therefore, reaching out to CFPB to assist in clearing the title to my home in my favor, as a matter of law, Id. 
i : look forward to hearing back from CFPB very soon. 
All rights reserve waive none By : ____________________________________ XXXX, XXXX XXXX XXXX
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent chexsystem a copy of my ID Theft police report.

These two accounts are listed on my chexsystem report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Report # XXXX Dob XX/XX/XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. <P/>The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible HARD INQUIRIES XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX, Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX , XXXX. Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX Please remove these inquiries from my credit report immediately. Thanks XXXX XXXX XXXX
I opened a trustmark bank account here in  XXXX  Al this account have been open for about  XXXX  months when I first visited the bank branch located in  XXXX  's corner here in  XX/XX/XXXX  the person who open my account never asked me if I wanted to opt in or out for overdraft. So about a week later I received a letter stating that they see that I opt out for overdraft in which she never asked me about it so on       XX/XX/XXXX     I called customer service at  trustmark  and requested to be opt in. And about 2 days later I was. So I deposited a check in which was written to me for an weight bench so I withdraw some of the funds and the check was returned. So the bank charged me the {$36.00} fee and Also the money that I withdraw from my account which was about {$260.00} total I have direct deposit of my pay check so when I went to  the drive  threw to make a withdrawal she say the total amount was not available so I sad I  will drive  around and come in and speak with some one so I did and the person at the new Account desk in which her attitude was bad and Was very rude so I made my withdrawal and left so the next day  I  called the corporate office of  trustmark  in  XXXX  Mississippi and she directed me to a person who was at the downtown branch and she was over the local managers so I told her what had happen and she appolizes and said she would talk with the mangers about their attitudes and I also mentioned to her that the corporate office did say that this would be kept confidential she said yes of course. The next day when I tried to use my debit card in which I had a courtesy overdraft limit with my account the purchase was denied so on today XX/XX/XXXX  .  I decide to just call the bank and see why the rep. Told me that I was opt out on   XX/XX/XXXX     I said by who? She put her manager on the phone the mange said it was done by a  XXXX   XXXX  at the downtown location and she did n't no why I stated to her that I did n't give anyone permission to make changes to my account at all. She stated that should have never been done by an employee and put it back on   XXXX  . I have called and gotten information that this worker should not have been able to make any changes to my account without my consent. Please check into this because if this is the case she can do whatever she like and the customers will have no knowledge of this to this day almost a week late I still have n't received any letter about her opting me out of overdraft.
Upon closing XX/XX/XXXX, my county taxes for XX/XX/XXXX were estimated to be {$1200.00}. A supplemental form was mailed to me for the correct acreage of my home, so the actual amount owed for my XX/XX/XXXX county taxes was {$1300.00}. 

I sent this supplemental *correction* form to my mortgage company and asked them to tell me what I should do with it. Instead of responding, they mailed a letter saying they'd paid the supplemental taxes. This was in XX/XX/XXXX. 

My Annual Escrow Account Disclosure Statement shows that ANOTHER disbursement for {$1200.00} was made for county taxes in XX/XX/XXXX, bringing my escrow to a negative amount of - {$1700.00} somehow. 

I have been calling and emailing and faxing this company for several weeks to no avail. I checked with my county tax assessor to be sure, only one payment was due and paid of {$1300.00}. 

My mortgage payment is due tomorrow and I'm very worried. I am continuing to call the company for help, but I never get the same explanation twice. I've been told they can't even see the escrow disclosure statement, and they've asked me to fax it over TO THEM, when they are the company who mailed it TO ME. I can even log on to my account and see the same form. No one seems to know what I'm talking about. Please help. 

My monthly payments have now gone from {$790.00} to {$940.00}, which will be a struggle for me.
My problem started last year i started having problems paying my car but i felt like i was in constant contact with Wells Fargo dealer services to let them know of my situation. In XXXX i called the local branch which i was told was located in XXXX, Ca and made a payment and notified i would be calling back in XXXX to make a payment. XXXX came around and i knew that i was still struggling financially so i would not be able to make a payment. I called again the number to the local XXXX branch and told them i would not be able to make a payment u til end of XXXX. They said that was fine. Woke up on XX/XX/XXXX and found my car was gone. I called 2 times and spoke with two agents who were the most unhelpful people ever one of them even told me i needed to listen and at first refused to get me a supervisor. I finally got a hold of a supervisor who gave me some information but told me he could not help me that i would have to call again on Monday XX/XX/XXXX. I called Monday morning and the person has no idea what Im calling for and I the consumer have to tell him who to transfer me to. I finally speak with someone who says they have no information. I am them transferred to the presidents office to file a complaint which i did and i told them my whole story plus some additional concerns i had with the repo of the car. They say great someone will review and call you back within 10 days but you can call tomorrow about your car. I called Tuesday XX/XX/XXXX and they had no information yet. I called Wednesday XX/XX/XXXX and they finally have information but now are telling me my car is being transferred to another location. At this point i ask to only speak with the person handling my complaint. I am told she is in the office so i leave a message asking her to follow up right away. Thursday XX/XX/XXXX comes and i still have not heard back around XXXX pst so i call and am told she is not answering but transferred to a man named XXXX who provides some help but again not much as far as a resolution at this time i ask why it was repo after i made arrangements and am told they have no notes about that conversation or that part of my concern. I finally hear back i friday XXXX from the person handling my claim and again am told they have no record of my arrangements with them. My car should have never been repossessed or they should hve told me in XXXX. They claim they couldnt make any co tact with me but i have one voicemail in XXXX which is what prompted me to call and make those arrangements. They claim they have everything documented yet no one seems to know why i am calling and every person you speak with gives you different information. This has been a horrible experience and the entire company needs better training
XXXX XXXX Opened an Account in my name with no signature or authorization and is reporting negatively on my credit report
I had a credit card accounts with td bank/XXXX that got delinquent due to personal issues. When i got back on my feet I settled that account under the agreement that they would be completely removed from my credit reports yet it still remains. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove all four accounts from my credit reports. here are the partial account numbers listed on the credit XXXX ....
In XXXX of 2016 My wife and I went to a car dealership to test drive a XXXX XXXX pick up truck. After driving the truck we went into see if we could get financing. We looked for financing through the dealership. They pulled XXXX hard inquires on our credit. We were told that it would n't hurt our credit and that there would only be XXXX hard inquire. They also pulled credit on my wife as well. Now all of those inquires are showing up on her credit too.
Diversified Consultants  is reporting a collection account on my credit report ( for all   XXXX   credit bureaus ). I have never received any correspondence ( mail, phone or otherwise ) regarding this debt. The collection account reported is showing paid, but I have also never paid any money to this company for a collection account or any other type of payment. I have attempted to contact this company twice via certified mail have not received any response from them VALIDATING this debt.  <P/> The first communication was sent on   XX/XX/XXXX   and was signed for on   XX/XX/XXXX     as proven with  USPS  tracking # :  XXXX . In the letter I kindly requested they send me the documents proving the account they are reporting is mine.   I waited the appropriate 30 days and received no correspondence from  Diversified Consultants.  On day 31 (  XX/XX/XXXX   ) I pulled my credit reports and they had not marked the account disputed per FCRA requirements.   On   XX/XX/XXXX    , I mailed the yet another certified letter which they signed for on   XX/XX/XXXX     as proven with USPS # :  XXXX . In this letter I informed them of their violation of FCRA law and requested again that the debt be validated, sending me copies of documents proving this is in fact, my account.   As of today, there has been no communication from this company regarding the VALIDATION of this debt and why they are reporting it on my credit reports.
I was hospitalized and late making payment {$170.00} due XX/XX/19 I paid XX/XX/19 late fee {$27.00}. ( I ask the bank to waive ) XXXX statement charge of {$370.00} XXXX isn't my charge. I didn't make this purchase. I wrote and disputed this charge, XXXX I subtracted that fraud amount {$370.00} and I paid {$150.00} XX/XX/19 I received a letter today saying I have XXXX PAST DUE. 

This isn't true I have XXXX past due on this account. 

My account is current {$170.00} Paid {$150.00} Paid {$370.00} DISPUTE
On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX  in the customer care recovery group who told me that it's not Wells Fargo 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.