WillisBack/dataset-financial-user-claim huggingface dataset:
Getting multiple calls a day from a company who claims to be representing Castle Payday loans. They call from XXXX. They indicate I owe them {$1500.00} and are threatening legal action. They indicate the loan was from XX/XX/2015. I told her I do not remember taking a loan like this and asked them to provide proof the debt is mine and they indicate they can not do that unless I pay money for a " conditional release letter '' and demand that I set up payment arrangements to pay the {$1500.00} back. I told her I was not going to pay anything and I asked her to provide me the number to who they claim is the original creditor and she said she ca n't because that would be a conflict of interest because they were hired to " deal '' with me. They are calling my ex-husband, as well as several family members. I asked them to mail me proof the debt is mine and she said the fact that she has all of my information is proof enough. I asked her to stop contacting family members immediately and provide me the proof I am asking for. She told me they were not going to stop until it was paid. When I refused to set up payment arrangements she threatened me with jail time ; told me she pulled my credit and saw there was no identity theft indications and also that they pulled police records on my name and were able to determine I never filed a police report that my identity was stolen. She was screaming at me that I need to obtain a good lawyer because I will pay. Additionally ; they had my maiden name, XXXX. Not my current name of XXXX.
Hard inquiries where removed from my credit report then added back on. When I called the customer service they were absolutely no help.
Collection company has stated they have asked all Credit reporting agencies to remove the debt, but it is still being reflected on Equifax. See below quoted text from XXXX XXXX. 
" Company responded - XXXX XXXX XXXX said : Explanation of closure XXXX # XXXX - To Whom It May Concern : XXXX XXXX XXXX sent a second request to the CRA 's to delete the account from XXXX XXXX 's credit history ''
XXXX/XXXX XXXX # XXXX I do not wish to open a dispute on this account, I would just like for the information linked to this account to be updated/corrected accordingly. Ive attached documentation to support my claim that this account should so no late marks. I submitted a goodwill letter to the original credit to have them adjust and remove the 30 day late payment. XXXX has successfully updated this account, but Experian and XXXX  have not.
I am being told after getting to the end of the refinance process I will have to have my divorce decree amended before I can refinance. My divorce decree states I have 24 months to pay my exhusband the half owed equity in the home . Nationstar is telling me I have to pay him through the refinance. This is illegal. Nationstar is demanding I pay out my husband through the refinance although legally I  do not have to . Nationstar requested I take out a higher loan amount and increase in fees in order to complete their fictitious process. It is a way for Nationstar to continue to hinder home owners by making them take on more debt. Stay away from this company! I should h ave listened to the other comments before choosing this company and wasting over a month of my time.
I am a victim of the recent Equifax data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, Furthermore, I have not been 30-59 days late with my car payment to XXXX XXXX XXXX.
I contacted XXXXXXXX regarding two accounts reporting on my credit report as Charge Offs. They are updating the bureaus every month indicating that their is a balance owed. When I contacted them to attempt to resolve this balance and offer a lump sum settlement offer, I was told that these accounts are considered " dead '' and that I would not be able to make a payment over the phone or negotiate any type of settlement offer. 

After clarifying a few things with the representative, it became clear that they are making this an extremely difficult situation. I feel like they are creating a hostile and abusive situation designed to cause distress by reporting a past due balance on my credit record and simultaneously prohibiting me from resolving it. They are adamant they are NOT attempting to collect a debt, but continue to credit report. What a giant paradox. Credit reporting is an attempt to collect a debt, and I feel that they are violating my consumer rights by continuing to report this on my credit. IF this a a " dead '' debt, then remove the balance!
The following accounts were previously reporting on my Equifax report and now they are not. 

1 ) XXXX XXXX Acct # XXXX ( Authorized User ) 2 ) XXXX Acct # XXXX ( Authorized User ) I am in the process of purchasing a home and by these accounts not reporting ( it was removed and stopped reporting ) by Equifax it lowered my scores significantly. 

I am purchasing a home and need these accounts to go back to how it was and report on my credit report!
I am selling my home to the current occupant of the house.The buyer has been going through the process of securing a loan through the V.A. 
XX/XX/XXXX, I was put on long-term XXXX due to XXXX. I needed to move to XXXX to be near my family, and moved in XX/XX/XXXX. I tried repeatedly to contact XXXX to discuss my account. XXXX intentionally avoided communicating with me. In XX/XX/XXXX, XXXX had put my house up for auction in a foreclosure. I found out about the sale date from the occupant questioning one of the many people driving by and photographing the property. With the help of the XXXX Attorney General 's office, XXXX contacted me and began a modification process. I made my third " trial payment ' on XXXX XXXX. On XXXX XXXX, the mortgage was sold to Seline Finance, a mortgage collection agency. Seline put me on " trial payments '' again for another four months. In XX/XX/XXXX, the buyer of my home began signing papers for the V.A. loan. I was given a projected closing date by the XX/XX/XXXX. That estimate has been delayed ever since, but the process continues - however slowly.The estimated closing date is still not determined. 
A week later, I received paperwork to sign the " modified '' mortgage with Seline. The mortgage interest rate is the same 6 % it was for years with XXXX. 
Seline now tells me that if I do n't sign their mortgage by week 's end, I will go back into foreclosure. Seline sent me a payoff statement, where I finally saw an accounting of my mortgage for the first time in 2 years. The principle is approximately {$48000.00}. Added to that is {$6000.00} in back-escrow, and another {$6100.00} in " interest ''. I must assume that " interest '' is charges accrued during my long stretch of no communication with XXXX. 
Question 1 : What can be done about Seline 's deadline for signing a mortgage by XXXX/XXXX/XXXX, while I wait for a sale date? 
Question 2 : When XXXX sold my mortgage to Seline, did I lose my ability to contest {$6100.00} in " interest '' that I 'm now being told to finance with a new loan?
I have noticed that CITI CARDS CBNA have placed an inquiry on my XXXX  credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Used my citibank American Airlines card to make a purchase for a vacation plan in XXXX in XX/XX/2016. Came back to the XXXX and found out that the companies made promises that they were not willing to actually do. A third party company was used to sell the services. There phone numbers are n't answered during business hours and Citibank and myself could not get in touch with them but the company that they contract was with keeps referring me back to them for the services that are supposed to be " free '' and basically I have gone back and forth with them about that. CitiBank reps are only hearing them tell me how to " access '' the services but when I do that they tell me that I have to pay although the contract states that it is free and no additional fees. On yesterday XX/XX/2017 after almost 4 months someone by the name of XXXX answered the phone at the XXXX place which Traveler 's Choice International calls " XXXX '' and I asked for my credit card to be refunded the {$2900.00} that I paid based on the fact that Traveler 's is not willing to honor the free flight and that is what I agreed to and she stated that she would send the request over to the accounting department for me card to be refunded. The issue is I told the CitiBank representatives that they keep telling them falsehoods on the phone but when I try and call to access the services either the phone is out of order or they get on the phone and tell me that I have to call the third party to access the service. I am not sure it they will provide the service which is the reason for the disputes that I continue to file. The first time I filed the case with CitiBank it was filed incorrectly and a new customer service employee was notified on XX/XX/XXXX and supposed to have a supervisor from his team to contact me and I have heard from no one with them as of yet.
I 'm working to clean up my credit report. I use XXXX XXXX to track it. Both XXXX and Transunion list the same debt ( {$420.00} originally owed to NXXXX XXXX XXXX XXXX ). 

But, the same debt is being collected by two collection agencies : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX I would be happy to pay one or the other to clear up my record. 

Please help. 

Thank you.
I checked my credit and saw there were XXXX hard inquiries made by XXXX. I have not applied, contacted or requested anything from XXXX and recently my identity was stolen so this must be the case for these inquiries as well. 
On XXXX I did process a dispute with XXXX regarding the hard inquiry, and tried contacting XXXX. XXXX indicated they did not see anything on their end so that is concerning too. 
Attached is a screenshot from my XXXX XXXX credit report showing the XXXX inquiries I did not make.
Credit bureau is not blocking the information on my credit report that was reported fraud. Police reports and FTC affidavits have been submitted as proof. This is in violation of the Fair Credit Reporting Act section 605B. When I contact the fraud department with Equifax , their answer was " Write our legal team ''
I have been a victim of identity theft. I contacted Transunion several times in writing letting them know I was and still am a victim of identity theft and I was not trying to open these account. I have requested that they remove the inquiries off my credit report as I did not authorize them.
I received a Notice of Wage Garnishment from my employer on XXXX XXXX, XXXX the Notice did not correspond to the Notice to Collect the Debt that i received on XXXX XXXX, XXXX. My Payment of {$85.00} was not reflected in the Notice of Wage Garnishment from my employer.
XXXX/XXXX/2015 Payment XXXXBank of America, N.A. XXXX TX XXXX $ XXXX is a copy of the transaction, I paid {$280.00} to bank of America on XXXX XXXX, 2015 after they billed me XXXX, XXXX, XXXX, XXXX for total {$280.00} which, I tried to explain each time that I called to let them know, this account had been settled in XXXX br discharged XXXX 2015. They reported each of these months on my credit report stating that I was not paying. I only paid out of XXXX from harrassement. 
I called bank of am and spoke to several reps who did not try to understand the XXXX heloc was included in the bank ruptcy. They began billing like this was a new account. 
Please refund {$280.00}. 
hic
I got this student loan through XXXX XXXX XXXX, not it is being handled by Scott & Parnell. My Grandmother got this loan for me to go to The Univeristy of XXXX in 2005. Since college I have barely been able to pay all of the bills I have because I ended up having to care for my elderly grandmother who became ill over the years. I have tried to negotiate with them, but they told me I have to pay the total amount up front. I could either do that or pay {$500.00} a month. Since I have not been working that is out of the question. I tried to neotiaate a payment years ago and they told me it was not negotiable. I believe that this loan is past the statute of limitation for suing me based on the paperwork I have.
I have a late payment on my credit report from Bloomingdales for XXXX 2015, that should not be there. I made a payment on my Bloomingdales credit card for that month and it was n't processed. There website is very confusing when it comes to making payments and I 'm not sure why it was n't processed. I have noticed when I make payments online via their website it can sometimes take up to a week before it will show up. Also, it is almost impossible to find payment history on their website. I contacted Bloomingdales customer service on the evening of XXXX/XXXX/2015 to request help in fixing this. The representative, as well as the supervisor I spoke with were extremely rude and offered me no help. I do not feel as if I should have a late payment showing on my credit file because their website is confusing and did n't process my payment.
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
To Whom it may concern : My first complaint was filed on XX/XX/XXXX. 

This is my second complaint ; about Iberiabank, in XXXX XXXX, Arkansas .Branch Manager : XXXX XXXX I fully cooperated with all the banks requests and conditions to receive the rest of my flood insurance money. On XX/XX/XXXX, my wife and I went to Iberiabank in XXXX XXXX. We gave XXXX XXXX alittle over {$12000.00} in receipts to XXXX XXXX. She then made copies of them and the proceeded to tell us that we should hear something within 24 to 48 hrs. It is now Wednesday XX/XX/XXXX. and I still have n't heard anything. On XX/XX/XXXX I Spoke with XXXX XXXX and she told me that she was waiting for her Inspector to come out and look at the house, and he would n't be able to make it for another week. Which has already caused a two week delay. And still have no word yet.
Attempted to contact debt collector on several occasions to have closed account removed from credit due to possible fraud alert. I spoke with several reps who were not able to locate account to assist with possibly removing closed account from my credit
I applied for an XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached image for confirmation of the application date ). The terms were that I would receive XXXX miles after {$1000.00} spending in three months and {$50.00} statement credit for a XXXX purchase ( also attached offer ). I have confirmed chat with an AMEX rep on XX/XX/XXXX that I met the terms of the condition and would receive the bonus miles in 6-8 weeks ( attached chat log ). 

I never received the miles nor the bonus points. I tried contacting an AMEX supervisor in XX/XX/XXXX who said she would submit a request for me because there was a system issue due to my application being approved in XX/XX/XXXX after going through reconsideration. However, I met the terms of the bonus, applied before the expiration date of the promotion, so I do not think this should be an issue. I tried following up again ( XX/XX/XXXX) and even ( XX/XX/XXXX ) and was told it hasn't been reviewed. 

This is getting ridiculous. I met all the terms so I do not understand what the holdout is for issuing the points and the statement credit. I have proof that a rep stated that I met the terms and conditions.
I had to be informed by the media and news that my information was compromised from Equifax rather than by the company itself. If I was not watching the media I would of not known that I was at risk. They mishandled my information which puts me and millions of other people at risk. The method of finding out even compromises my legal rights. I am a victim according to equifaxsecurity2017.com website, and would like a resolution.
This issue occurred after resolving my REPAYE certification dispute with CFPB complaint #  XXXX  where the Vice Presid ent of Loan Operations wrote a formal re sponse indicating my REPAYE certification was approved and the company would grant an administrative forbearance to cover the {$3600.00} bill due on  XXXX / XXXX /  XXXX  .     I just received  an Interest Notice from FedLoan Servicing indicating {$11000.00} in  accrued interest will be capitalized onto my loan principle on  XXXX / XXXX /  XXXX  . This is a severe financial penalty being placed on me due to an administrative error made by FedLoan Servicing. To be clear, I did not request this forbearance be placed on my account. Fedloan Servicing used forbearance as a tool to correct their mistake so that I can pay my normal monthly payment at a later date. Interest capitalization was never discussed.     As detailed in my previous complaint, FedLoan Servicing sent me an e-mail requesting I follow their link to recertify m y REPAY plan. I followed their instructions the same day Fed Loan Servicing sent me the e-mail. FedLoan Servicing administratively closed out my REPAY E recertification without notifying me and later claimed it was because I submitted the REPAYE recertification " too early ''. It is not possible to submit a REPAYE recertifiation too early or, at the very least, the company should provide notice to the borrower when their recertification application is closed.
So I have ask this company XXXX XXXX for validation of this debt, thru a dispute process with the CB, and have yet to receive documentation that I opened or am the responsible party for the XXXX dollar debt reporting as a tradeline on my credit file. I have ask for a sign contractual agreement between myself and the company they are collecting for and will not accept anything other as validation.
On XX/XX/XXXX Wells Fargo sent me its annual Escrow Review that projected a significant increase on monthly escrow payments. The actual taxes for the XXXX fiscal year was {$12000.00}. The increased escrow payments were based on the projected property taxes for the upcoming year increasing to ~ {$17000.00} ( based on the last 4 payments made to the town ). The primary reason for the last 4 payments being this amount, was that the town 's initial estimate for the first 2 quarters of XXXX was {$2000.00} based on XXXX taxes ***when no property existed on the land. ***. The final XXXX taxes were based on the fully built up lot. While the town has not decided on the tax rate and assessment for XXXX, it is unrealistic to project that the XXXX taxes are going to be 34 % higher or XXXX {$4300.00} higher!! I complained to Wells Fargo about this increase and the only resolution I got in a XX/XX/XXXX escrow review used the same projections over 24 months instead of 12. I expect that a finance company will do due diligence on analyzing why their previous projections didn't match the actual payouts instead of blindly using past payments as the sole authority in determining future payments. While Wells Fargo is likely to refund excess escrow balances next year, it is a needless burden on our family 's monthly cash flow.
I withdrew money out of my account at a branch of my bank in another State. Later, I took the money out of the envelope, counted it and discovered that I am short {$100.00}. The teller counted the money out incorrectly!
This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my Experian report via a collection agency and the new date shown. 
Experian has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.
On XX/XX/XXXX I sent a dispute to the XXXX  at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/XXXX and XX/XX/XXXX respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/XXXX and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and XXXX  and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my PhD and continue my education. Phone numbers that aren't mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment.