WillisBack/dataset-financial-user-claim huggingface dataset:
I had requested my consumer report from XXXX. After obtaining my consumer report I saw that there was a re-insertd bank accounts from XXXX XXXX XXXX XXXX. The re-inserted account was on my Chapter 7 Bankruptcy from XXXX 2010 and these accounts were included on the bankruptcy. The Credit Union has re-inserted these bank accounts in which were enclosed on the chapter 7 bankruptcy. I have sent this information over to XXXX XXXX XXXX XXXX over a month ago and they have not removed the entries. So now I am submitting this to the CFPB. They can not re-insert accounts that were included in a bankruptcy and after seven years. Also XXXX again has put addresses on my report that do n't belong to me : The only addresses that are associated with me are as follows : XXXX XXXX XXXX XXXX, NJ XXXX Thank you
I sent a debt validation letter to this company on XXXX/XXXX/2015 and they ignored my request of validation.
We filed a complaint with you before ( Case # XXXX ) regarding the second mortgage we had on our house. XXXX sent us a letter ( attached ) stating that Chase had improperly boarded the loan to XXXX and that they were closing their file. XXXX issued a cancellation of debt ( attached ). When we recently applied for a home equity loan, we found that Chase never released the lien against our home. As you know, this will limit our ability to access the equity in our home. What can be done to get them to release the lien? Thanks
I called Blakely and Witt on XX/XX/XXXX2016 and asked to speak to XXXX XXXX XXXX. I asked if he could send me the documents that he stated in our conversation last week stating that I had supposedly signed documents that his company was able to add interest to my original debt. XXXX XXXX XXXX stated " Look I do n't have time to play games with you lady, when you get serious then call me '' and the phone call was disconnected. I tried to call back just but I never got a response.
I had applied for a line of credit with PayPal Smart Connect, my credit limit was for XXXX XXXX dollars. I made a small purchase for XXXX dollars to a charity organization. Upon receiving my XXXX statement dated XXXX/XXXX/2011 in the amount of {$21.00} due on XXXX/XXXX/2011. I purchased a money order in the amount that was due dated XXXX/XXXX/2011. I mailed out the payment in time to meet the payment due date of XXXX/XXXX/2011. I never made any other purchase on account and contacted papal to dispute the late charges that was showing up on my new statement. I could get a clear understanding as to why I was being charged additional late fees and interest along with other charges. Therefore I requested that my account be closed only to have my account charged off and sent to collection and reported on my credit report. over the course of the years I have tried to contact PayPal regarding this matter and disputed with my credit bureau only to come back with no resolution. I final was able to locate the receipt of payment and the billing statement to support my claim and have launched another complaint this time with CFPB. I would like to have the negative information removed and for my credit report to reflect that my account has always been in good standing.
I am currently in the foreclosure process with Nationstar Mortgage XXXX a.k.a XXXX XXXX XXXX. On or about of XXXX XXXX, XXXX Nationstar started the foreclosure process. Prior to that I sent them a check in the amount {$17000.00} to catch-up on my mortgage. This amount was good through XXXX XXXX, XXXX. On XXXX XXXX, they sent the check back to me telling me that the total amount required to bring the account current was {$21000.00}. I received this letter on XXXX XXXX. I contacted them the same day and was told that the number changed to over {$270000.00}. I am now being told that in order to reinstate my mortgage in need to pay them in excess of {$31000.00}. I have made numerous attempts to make payments to get my mortgage reinstated. I have also requested that they provide me in writing what legal fees I am required to pay them. I was told this morning that they do not have to provide that to me in writing. I have the means to reinstate my mortgage and move forward with making my loan payments. They are refusing to work with me. I so have equity in my home and I suspect that they are trying to force foreclosure so they can take my house and sell it for a profit. I am asking your assistance in this matter. 

Thank you for your time.
The paragraph below was emailed to the following listed and had no response. 

XXXX XXXX XXXX XXXX I was notified XX/XX/2018 that Clarity Services Inc. by XXXX had done a hard inquiry on that date causing my credit score to decrease greatly. XX/XX/2018 I called Clarity who told me they were one of the major credit bureaus acquired by XXXX, in which Clarity gained my confidential information through XXXX upon the purchase last year. Clarity gave no explanation as to why they pulled my credit or no further details of what the company 's business was. When calling XXXX right after, the representative and supervisor stated they had no knowledge of Clarity Services Inc., and all they could do was place a fraud alert on my account. Clarity 's continuous inquiries have effected my credit score tremendously and XXXX  ' breach and decieption has put the consumer at risk once again and in my particular case prolonging my ability to purchase my first home. Upon much research I have also been made aware that Clarity is behind many mail and phone scams, by having knowledge of the individuals identity, such as d.o.b., S.S., address, ect., knowledge of the debt a individual owes, and therefore are able to replicate the creditor and request the correct amount. This is a broad serious federal matter and should be investigated by the highest division of authority.
My lender refuses to work with me. 

Initially Select Portfolio Services made me an offer for loan modification but once I received the offer, my wife had an accident and injured herself. 
My wife fell at home and XXXX. She is XXXX now and unable to work. We have lost her income and fear her XXXX will be permanent at her age. 
We are simply asking SPS send us a new application for modification due to the fact we have experienced this new, unexpected change in circumstance. Also, the reduction off our household income is greater than 30 %. SPS ignores our requests for help and refuse to help.
Indymac was the prior servicer on my mortgage loan. I applied for a modification and was approved in XXXX XXXX. The payments were changed from {$2900.00}. to {$2700.00}. I made the modified payments by money order to XXXX from XXXX XXXX until XXXX XXXX totaling {$33000.00}. The servicing of my mortgage loan was transferred to Ocwen Loan Servicing by XXXX XXXX. Ocwen did not apply any of the {$33000.00} in payments to my account and claimed that the {$33000.00} in payments were returned to me. Ocwen only returned XXXX checks totaling {$10000.00} and did not explain why they did n't permanently modify the loan. I submitted a new modification application to Ocwen in XXXX. They acknowledged receipt of the application but did not complete the review and did not send me a denial letter with an explanation. Ocwen instead commenced a foreclosure action in XXXX, which was discontinued in XXXX XXXX, for reasons I do not know. Ocwen then started a new foreclosure action in XXXX XXXX. Ocwen claims my loan was not modified.
I had deposited money in to my account where I had to be logged on to my online banking which allows the doors to my private accounts I had in my portfolio to be accessed when I went and deposited the checks and everything went fine and I did my deposit just fine and also have my SER number on my receipt meaning the checks were good and there is money in my account that the money is coming out of. I put money in my debit account for me to use and my money went in there but they were telling me when they had checked the account when I was logged off they say they didn't get any information to the check pretainting that it even existed meaning they weren't able to pull up the account because its in my portfolio and I must have been logged of when they were checking the check to see if there was money in there. There was around {>= $1,000,000} in there as the best to my knowledge. Anyways they seen the amount of money me as a custome had in my Private Portfolio and they probably thought something else. I had money in my Portfolio and I have all my account number that only I can access and bank of America has no way of accessing it unless im logged on. I inherited from the Father of the XXXX XXXX XXXX XXXX XXXX and they were probably shocked of probably seeing my inheritance. Anyways they cancelled both of my debit cards out and they deleted my entire online banking which I know I have my account numbers and they are all in the VAULT. Ill have FBI pull my accounts out of the Vault but these guys or someone Forced Closed Accounts and deleted my entire online banking access as if I have passed away. I have my Force Close off Statements and what they put in the Consumer reports is false saying they had to close my accounts because I was in the negative. I've gone to every bank and tried opening an account with them and they are telling me they are not able to open a bank account with them because of what's in the consumer report. Bank of America has put in two false reports in the consumer reports and they need to be removed because they are not true and its being a ruin in my life. My life has came to a hault and nothing seems to be moving because what Bank of America has done to me.
On XXXX XXXX, 2014, XXXX XXXX XXXX put a hard hit on my credit report that was unauthorized. Mid to end of XXXX 2014 XXXX sent a request to the XXXX consumer reporting agencies to have the inquiry removed. Trans Union is still reporting this inquiry even though it was supposed to be removed. This inquiry is negatively impacting my credit score and I would like it removed, as it was supposed to be done over a year ago.
We were affected by Hurricane Irma and were in forbearance based solely on location of mortgaged property ( XXXX, Florida ) which was in a PDMDA. After the forbearance period Freedom Mortgagee must offer Rate and Term modifications at the conclusion of the forbearance period based on the criteria found in Handbook 4000.1 III.A.3.c.iv. ( C ). 

Freedom never did this. They immediately began assessing late fees and reporting a delinquency to the credit bureaus.
Lag in affording classes due to divorce and XXXX child. I can not work because of my XXXX child, which I have in writing. Will not resolve initial request for Forbearance or Deferral. Was told they needed documents. Sent some. No response. Now they claim the initial request was never received.
XXXX XXXX, XXXX XXXX XXXX , XXXX, PA XXXX HQ closed my account with two of the bureaus XXXX and XXXX, however they are still reporting it active with Equifax. They are reporting the account still open and that I made a current payment in XXXX. I have not made a payment to them since XXXX the account has been closed however they are illegally submitting false documentation to Equifax.
I owed an amount much less that what this company is saying which is XXXX XXXX AND NOW THEY HAVE A THIRD PARTY ON ME XXXX XXXX  SENDING ME LETTERS AN CALLING BACK TO BACK. They have added alot of extra interest Plus money onto my last bill .please guide me in what to do Now. Ty
On XXXX, we ordered a phone using our rewards points from our Sony Rewards Card with XXXX XXXX. The email states we will receive another email when it ships. When I called on XXXX asking for an updated status, I was told that they had no additional information on the order, and it has not shipped. On XXXX, I was told that the system was down for maintenance ( on a Friday afternoon? ), and no new information was available. On XXXX, we were told that orders can take 4-6 weeks for delivery. I feel this is a misleading and terrible rewards program and they are not clear on the timing of delivery upfront. They also provide horrible customer service and refused to provide any information when we called.
I am repaying student loans through XXXX  XXXX XXXX and applied for the Public Service Loan Forgiveness Program on XX/XX/XXXX after reaching the required 120 payments. I faithfully submitted the Employment Certification forms regularly to document my employment and have worked at the same nonprofit organization during this time. The application was submitted by XXXX XXXXXXXX XXXX to FSA ( Federal Student Aid ) at the Department of Education on XX/XX/XXXX. 

I have never received a notice from FSA that they received my application. I was told processing would take 90 days for review. And then told FSA has up to 6 months to respond. As of today, XX/XX/XXXX, my application was sent to FSA over 6 months ago and I still do not have an answer from FSA. I have contacted XXXX   XXXX XXXX numerous times, however, no one will confirm that they have called FSA to check on status. When I asked for a number to FSA, I was given a number and when I called in XX/XX/XXXX, I was told that they do not speak with us and redirected me to XXXX  XXXX XXXX. No one at XXXX  XXXX XXXX will call FSA on my behalf for an update or to have FSA acknowledge that they received the application. I called on XX/XX/XXXX and requested that XXXX  XXXX acknowledge that XXXX  XXXX XXXX sent the application and that FSA received the application. I received an email on XX/XX/XXXX only noting that : " On XX/XX/XXXX, your application for the Public Service Loan Forgiveness has been forwarded to Federal Student Aid for final review. Once the review is  completed, you will receive notification with the results. '' I again requested acknowledgment by FSA that the application was received but did not receive a response. 

I have received several letters from XXXX XXXX XXXX that I have reached my 120 payment requirement for the Public Loan Forgiveness Program. I am quite distraught over misinformation and lack of transparency. I have made career decisions based on the information from XXXX  XXXX XXXX that I have reached the qualifying 120 payments, that the review time is up to 6 months and anticipated a decision by now.
I have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my Experian report. On my Experian have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the Experian, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.
Great Mercantile Agency has initiated a negative credit collection on all credit agencies but i have no knowledge of any debt owed to them or any other entity as i have paid any and all debts. Therefore, this is either fraudulent or a grievous mistake by Great Mercantile Agency. This claim must be removed from all credit reporting agencies please as it is groundless. Thank you.
I terminated my Cable Service with XXXX XXXX in XX/XX/XXXX XXXX later contacted me to say that equipment related to the Cable service had not been returned. I provided the receipts for the returned equipment and heard nothing further from XXXX. This was documented by XXXX in XXXX  Case Number XXXX  and XXXX  Case Number XXXX.

On XX/XX/XXXX I was contacted by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX Reference Number : XXXX requesting payment of {$340.00} for XXXX Equipment. They provided no back-up for the requested payment. I provided the XXXX  return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I have heard nothing else from XXXX XXXX.

On XX/XX/XXXXI was contacted by AFNI 1XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AFNI Reference Number : XXXX requesting payment of {$340.00} for XXXX  Equipment. They provided no back-up for the requested payment. I provided the XXXX  return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I received another letter from AFNI on XX/XX/XXXX continuing to demand payment of {$340.00} It appears that XXXX  has sold this claim to debt collectors who seems to now be selling it to each other.

What steps do I need to take to end this harrasment?

I have all of the letter communication materials described above.
Without my authorization Chase began sending unsolicited e-mails to the address in this complaint on XXXX/XXXX/XXXX ( " Chase_Unsolicited_E-mail_XX/XX/XXXX " attached ). 
I called Chase on XXXX/XXXX/XXXX and spoke to " XXXX '' at approximately XXXX CST. I stated that I Received an e-mail, re : Chase Freedom Rewards on XXXX/XXXX/XXXX, Had NOT had an online account with Chase in 6-7 years, Did NOT turn on any e-mail notifications. 
I WAS TRANSFERRED TO THE " PRIVACY DEPARTMENT '' WHERE AN UNNAMED PERSON VERIFIED THE E-MAIL ADDRESS WHICH WAS BEING VIOLATED, AND SAID THAT THESE E-MAILS WOULD STOP. 
Since then I have received unsolicited e-mails from Chase on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( " Chase_Unsolicited_Emails_XX/XX/XXXX_through_XX/XX/XXXX " attached ). I decided to wait after receiving the e-mail on XXXX/XXXX/XXXX to see if there was a delay in implementing the removal of my e-mail address even though it was promised over 2 weeks earlier ( XXXX/XXXX/XXXX ) and these days it should not take that long to update a database!
I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them.
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
I received a copy of my XXXX credit report and noticed that transworld systems have been checking my report on XXXX different times XXXX and XXXX. I do n't have a account with this company. I XXXX the company name to find that they are a collection agency. They never tried to contact me by phone or mail just keep looking at my report as an account inquiry. I do n't know who they are and would like them to stop looking at my report I do n't want this to end up on my report without any verification.
On XXXX XXXX, XXXX I purchased parts and labor for car repairs, and signed an agreement with the merchant that stated NEW parts would be installed on my vehicle. After I received the vehicle, I noticed that the parts appeared to be used and worn, so I tried to resolve the issue with the merchant. I offered to return the parts if the merchant would pay for their removal. 

When I was unable to resolve the issue with the merchant, I filed a dispute through JP Morgan Chase Bank. The dispute department consistently failed to properly file the dispute, leading to several months of back and forth with Chase. The merchant did not provide any compelling evidence that they had used new parts on my vehicle, they submitted a parts receipt from the dealership dated XX/XX/XXXX ( 6  months after they had installed the parts on my car ) indicating that those were the parts installed on my car. Finally, they admitted to installing parts from a wrecked car, but indicated that they told me they would do this verbally, despite the signed agreement between the merchant and myself stating only new parts were to be used. I do not recall any verbal agreement regarding used parts being installed on my car. 

Chase refuses to reopen the case, will not provide any explanation as to why the decision was made in favor of the merchant, and has failed to protect me as a consumer against a merchant committing fraud.
Suntrust Mortgage Inc serviced my mortgage XX/XX/XXXX. Property coat {$280000.00}, down payment {$70000.00}. I applied for modification XXXX XX/XX/XXXX I received a illegal type of modification. The loan was sold/transferred without my knowledge to XXXX. I went to see the vice prespresident of Suntrust. XXXX XXXX. denied the transfer. XX/XX/XXXX I went back to the branch, VP XXXX XXXX. Stated my mortgage was sold for {$210000.00}, the exact amount which I borrowed. Suntrust continued withdrawing my payments & also sent the same amount to XXXX. Months of payments shipped by XXXX to XXXX XXXX, these checks where signed & cashed without informing XXXX, or applying any payments to my mortgage.XX/XX/XXXX the property sold. XXXX pay-off {$26000.00} delinquent charges to the credit agencies. The loss of my Credit History distroyed by Suntrust reporting illegal negative statements this ongoing dispute began XX/XX/XXXX My loan was not underwater. I made my monthly payments using my Suntrust Sure Pay Checking & Savings Account. I met with VP XXXX hurried outside, her father just passed away. I walked with her to her vechical, she looked at me and stated, " I 'm sorry XXXX '' I can not access a Suntrust Mortgage Acct that is closed. But if I where you, I would get my money & close your acct. I was devastated, afraid, totally depressed. Scheduled for my XXXX XXXX XXXX XXXX, it was all bad. Made me sick I needed a reason to live. So, I prepared my home for immediate sale.XX/XX/XXXX, three months later I walked away with {$1400.00} dollars. Today is XX/XX/XXXX Please help me out here. Suntrust XX/XX/XXXX must comply to the credit agencies by written facts recorded deed Satisfied Paid Account Closed. Thanks
I noticed a debt on my credit report, so I contacted the company and wrote a letter disputing the debt as not a valid debt. I waited the 45 days they stated it could take to resolve or investigate the debt, but never received any media from the company and has now taken almost XXXX as long as they company stated and still have not received any letters nor have they removed this debt.
I received a letter from a company called XXXX that stated that my personal information had been accessed from one of my employers or some organization like that. It said my social security number and other data had been accessed. It told me that I could get credit monitoring free for one year because of this breach from XXXX. I joined this site with an activation code provided. It asked for the last 4 digits of my social security number, which I was willing to provide. The site seemed to verify my identity in a normal fashion and let me provide a userid and password. However, then it said it was temporarily unable to access my credit data - try again later. I tried again for a week and then called the customer service number. They wanted my full social security number or told me they could not help me ; I wasn't in the system by name. I would not provide the number. It appears to be some kind of scam even though Transunion seems tone involved. If my personal information was illegally accessed, I do want the free credit monitoring but I also want to know who exposed it so I can take some action. Hiding the party that exposed my data seems illegal on the surface.