WillisBack/dataset-financial-user-claim huggingface dataset:
please see information forward that is not my information but I received addressed to me but someone else mortgage information so again I have faxed emailed and mailed all the information needed to have my mortgage payment reduced since XX/XX/XXXX NOW XX/XX/XXXX I still get LETTERS STATING THEY HAVE NOT RECEIVED MY INFORMATION THIS IS PROOF HOW THIS COMPANY HANDLES PEOPLE INFORMATION AND CONTINUE TO MAKE IT SEEM LIKE THE CONSUMER IS NOT DOING WHAT IS REQUESTED FROM THE COMPANY THIS IS WRONG AND COMPANIES NEED TO BE HELD ACCOUNTABLE FOR THEIR ACTIONS AND NON ACTIONS AGAINST CONSUMERS AGAIN THIS IS PROOF OF WHAT I HAVE BEEN COMPLAINING ABOUT FOR MONTHS NOW I HAVE SENT EVERYTHING REQUESTED RETURNED CALLS TO THE SPECIALIST WORKING ME contact ( XXXX ) XXXX to speak with the XXXX XXXX Escalation Agent, XXXX XXXX. XXXX is your designated contact for inquiries and the submission of documents as needed. I HAVE LEFT SEVERAL MESSAGES WITH THIS PERSON AGAIN OCWEN IS PLAYING GAMES WITH CONSUMERS NOT RIGHT AND AGAIN SOMETHING NEEDS TO BE DONE.
I detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B
Ok so I am a victim of identity theft and I had went online numerous times tonight to try to access my free credit report but every time I put in my email and username it would display a error message stating they did not have anyone by that username and or email address and I tried resetting my email password that failed as well. So I called equifax ( or  so I thought I was speaking to a customer service representative at equifax but she kept telling me my information was not matching up and she kept asking me the same question about student loan balance well a red flag went off right there ; ok so she had told me to write a cover letter and explain that I am sending in all of this information just to confirm my identity. She gave me the phone numbers to XXXX & XXXX. I called XXXX and was being harassed about giving him my credit card information and paying a $ XXXX/a month fee for a $ XXXX/ gift card. Well he abruptly hung up on me and gave me XXXX before he hung up. I called XXXX to reach XXXX they both have my social security number ok and I am already a victim of identity theft. My ssi number is XXXX my dob is XX/XX/XXXX. My cell # is XXXX. I am requesting credit reports from all 3 of the credit bureaus because I am a. I tin of identity theft due to XXXX XXXX and my own family members have been committing cyber crimes by allowing hundreds of people have access to my camera my text messages. I have been XXXX XXXX. I have been XXXX XXXX and so much more
I received a letter from XXXX XXXX Bank XXXX XXXX XXXX On XXXX XXXX, 2016. In that letter they stated that they were going to contact Experian and have my disputed Inquire deleted from my Credit Report. I viewed my Experian Credit Report and unfortunately the XXXX XXXX Bank and XXXX Inquire is still reelecting the hard inquire. 
Furthermore, I have contacted Experian on numerous occasions and they have failed to update my accurate with my correct contact information. It is still reflecting my old telephone number. The phone number that needs to reflect on my Experian Credit Report needs to be XXXX.
XXXX from XXXX XXXX XXXX has been harassing my friends and family members, even immediately after I called and spoke to them. They have no reason to talk to any of these people, unless it's to get my whereabouts, and since I am in contact with them, this is nothing but harassment of them and me. 

I told XXXX, I regret this situation. I acknowledge my obligation. Im committed to repaying you in full, and as quickly as is possible. My financial situation is difficult and unclear at this point. I will be back in touch with you in two weeks to discuss a repayment schedule. 

XXXX would not accept this and kept harassing me on the phone. When we hung up he immediately called a friend of mine, woke her up, and harassed her to " Get information on XXXX. '' In addition, they have attempted to contact the mother of this friend ( whom I have never met ) to talk about this delinquent loan as well.
I failed to be informed by Navient that my income based repayment was up for renewal last year. This resulted in my bank account being deducted a payment nearly {$800.00} more than my previous payments. When trying to resolve this, it took a few months and documentation provided by Navient is unclear and now states I was in forbearance twice. 

After realizing I failed to resubmit my application for income based repayment, I called Navient and explained I could not afford the payment and they suggested I go into forbearance for a short amount of time until the whole thing gets fixed and I will receive a refund from the DOE after I submit my application. This was their suggestion to which I thought was fine. I am now learning that since I went into forbearance, the unpaid interest on my account was capitalized causing my principal amount to to increase almost {$4500.00}. 

They failed to provide me with other solutions and support and I was not aware I would be adding almost {$4500.00} more to my principal amount. 

This seemingly harmless act of forbearance has added years to my repayment and more interest in their pockets.
I have contacted Transunion an inordinate amount of times regarding updating my credit report after my Chapter XXXX bankruptcy discharge. They are listing accounts from XXXX XXXX XXXX as active accounts. These accounts were included in the bankruptcy years ago. There have been no new accounts or dealings with any company associated with XXXX XXXX. I should not have these items on my credit report any longer. I have sent in copies of my bankruptcy discharge papers as well as proof of my address and how long I've lived there. This has all been to no avail. I have asked several times to be provided with any data they have so that I may file an identity theft report if someone has in fact utilized my information without my consent. To date they have provided nothing. They continue to snd back computer generated letters stating the debts have been verified but according to the Federal Credit Reporting Act this is false. That to me seems unlawful. Therefore I filed a complaint with CFPB previously. You, too were unable to resolve this matter with Transunion. This is against the law. I have contacted this XXXX XXXX company over 30 times. They admit to having received my bankruptcy notification. Then when I ask to speak to a supervisor to assist in communicating this to Transunion, I am transferred around and mysteriously hung up on. This is all absurd and I will be filing lawsuit and complaint with the federal court with regard to the bankruptcy laws being violated within the next few days.
One Main Financial ha s incorrect hard inquiries on both my   XXXX   and  XXXX  credit reports. They are showing inquires from  X/X/16   . Inquiries that I did not authorize . One  main financial has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know what one main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX     and   XXXX   report. The inquiry date is  X/X/16
My mother 's reverse mortgage serviced by Champion Mortgage went into foreclosure for failure to pay taxes & homeowners insurance. When she finally told me what was happening I sent the loan servicer, Champion Mortgage, an authorization for me to access her account info ; it took them several days & multiple faxes for them to update the account & speak with me. After repeated calls I was only able to obtain a verbal quote of {$18000.00} to cure the default - Champion refused to provide written breakdown of costs, nor written confirmation that the amount would stop the sale. I confirmed several times with XXXX XXXX XXXX at Champion that {$18000.00} was correct & on XX/XX/XXXX I sent XXXX cashiers checks totaling {$18000.00} to their XXXX MI office as instructed ; I sent it via overnight XXXX & have XXXX delivery confirmation for XX/XX/XXXX. Since XX/XX/XXXX I have called nearly every day to confirm account is current & to request breakdown of what the {$18000.00} paid for. I have detailed notes of who I spoke with & when. XXXX reps, XXXX & XXXX, were very professional & really did try to help me within the confines of their company, but several reps were unbelievably rude, condescending & nasty : XXXX & XXXX in particular were incredibly unprofessional & rude ; XXXX hung up on me when I repeatedly requested a supervisor, the other would repeatedly put me on hold for extended periods of time ( over 10 minutes ). It has been over 2 weeks & Champion has my mother 's XXXX & are still proceeding with foreclosure. I spoke with the Trustee conducting the sale & they have not received notice to vacate the sale. I work in XXXX & understand the system & still, I ca n't get this account cleared up, or even obtain an accounting of the money. How can an elderly person with no industry experience hope to sort things out? I know that a reputable loan servicer has no difficulty providing a written statement nor applying a default cure payment ; I deal with many lenders at work & know what to expect. This is beyond the pale. They also gave me a false foreclosure date of XX/XX/XXXX to push me to send money quickly ; per the Trustee the actual sale date is XX/XX/XXXX. Remember-this is a reverse mortgage, specifically for the elderly - there is no way that my mother would not stand a chance of getting this account cleared up & stopping the sale. I need help to force them to acknowledge the cure funds, stop racking up trustee foreclosure fees & provide an accounting ... please help.
There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/XXXX. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX  again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX  should not be a trusted agency for being responsible for people credit information.
Pressler and Pressler in New Jersey has been pursuing me for a medical debt of roughly {$1200.00} for the past several months. I initially set up a payment plan as I receive low income and am supporting my 14 month old daughter. I set up this payment plan in response to being sued by Pressler and Pressler with no warning. After several months of being invoiced and paying them I stopped receiving invoices. With absolutely no warning I discovered that Pressler and Pressler had garnished and frozen my bank account in attempt to collect the debt. I called them to try to resolve the issue and the only thing they would allow me to do was make a payment on a payment plan, however they would not release my bank account to me, claiming that I needed to hire a lawyer to proceed. I had to pay them using a credit card, which I am not worried I can not pay because my bank account remains frozen. The gentleman I spoke to told me that if I do not make payments I will be held in contempt of court and will possibly face charges or legal action. Without my bank account I am now unable to pay for my housing, my credit card bills, and most importantly, provide for my daughter.
I have been charged overdraft fees for purchases that were made when I had necessary funds in my account. I checked my account activity after each transaction and it showed I had money after each purchase. XXXX I only made one purchase without sufficient funds but I have been charged for more overdraft though.
I purchased a house this year, closing with American Securities Mortgage. Soon after closing, they sold my mortgage to XXXX XXXX. I received my XXXX from XXXX but American Securities Mortgage is refusing to provide me with a XXXX, stating that since they sold before my first payment, they did n't have to send me one, even though they collected Mortgage Insurance premiums and Mortgage Interest from me.
XXXX XXXX XXXX charged my Credit Card in XX/XX/2018, {$930.00} for an Air /Hotel Package for a 3 days ppackage from XXXX to XXXX XXXX ( for myself and wife ) to travel from XXXX , N.J to XXXX XXXX from XX/XX/XXXX thru XX/XX/2018, plus {$53.00} for Travel Vacation Insurance. When my mother died on XX/XX/XXXX I contacted XXXX XXXX to change my travel dates to XXXX forXX/XX/XXXX thru XX/XX/2018 and I was assured that my Insurance Coverage was going to cover my new travel dates. However, XXXX improperly charged my American Express Credit Card for the new travel dates, with same Hotel stay another {$1000.00} plus, and credited my card only {$200.00} for the extra flight cost. Plus they credited my Credit Card {$53.00} in XX/XX/2018, for Insurance payment made to them in XX/XX/2018, in attempt to justify NOT honoring Insurance purchased on my Vacation Package. 
XXXX has since re-billed my American Express Credit Card against my challenge and they are insisting on collecting additional payment of {$930.00} for our travel and stay in early XXXX, instead of late XX/XX/2018. Their failure to honor the Vacation Insurance paid for in XX/XX/2018 is a form of deceptive and fraudulent business practice.
I have sent four written request ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to Equifax to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ... ) that has been placed on my credit file. Equifax has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. Equifax has failed to do this more than four times. Equifax has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.
Writ of continuing garnishment delivered to place of employment. Date of issue XX/XX/XXXX. Original judgment entered on XX/XX/XXXX. Been at same job and same residence for several years. Have absolutely no knowledge of the debt nor any knowledge of the court order. Was never served nor was I allowed to dispute the validity of the debt. Received absolutely nothing in writing pertaining to this. I would really like to know who I am paying? Judgement creditor XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co. XXXX.
Equifax mishandled my information which puts me at risk of identity theft. This is unacceptable since I never in the first place had the chance to deny Equifax to even have my information.
I had my original mortgage with XXXX. I lost my job due to the recession XX/XX/2008 and had trouble making my monthly mortgage payments. XXXX began charging me extremely large " differed interest '' fees each month my payments were late as well as charging late fees. By the time I was able to make regular payments again XXXX had added over {$31000.00} in differed interest to my mortgage. Now, after paying on my home for over 11 years my payoff amount is significantly over the initial purchase price. I 'd like to sell my home, but with this huge amount added to the loan it makes it financially impossible to do so.
I have been a patient of XXXX XXXX - XXXX office - for their XXXX. At first, they had a great doctor, so I was happy with my service. They have however changed the doctor and everything went downhill from there. There were several times when I would show up for an appointment, to be told that I have to reschedule because the doctor is not in today, or something has happened - I do not understand how the receptionist could not make a phone call and let me know ahead of time, before I loose the XXXX min to get there. I had to stay with them as I have already paid in full, therefore I just kept on going, trying to be understanding, and mostly because I did n't have too much time to research other doctors and go through the process again. Because I liked the doctor, initially I did n't really pay attention to their managerial skills. In time however, I started to notice how unorganized and unprofessional their whole office was. 
Just to give you one example of this total lack of organization and care : My insurance changed, and they had some problems with the billing, of which I was not aware until a half year later. When I finished my treatment, I asked for my balance, I paid what I was told that I owed the company. A couple months later, I checked my credit score, and apparently I have been put in collection for a {$600.00} bill that I have not been told about. When I called for clarification, the corporate office not only was very dismissive, but told me that they have two types of accounts that they use at their offices, and that this bill was for my second account. 
How is it possible that somoene asks ahead of time how much do they owe and than they get another bill charged. I have checked with XXXX, and apparently they are not even registered with them.
Earlier this year, I noticed I had an adverse account that I did not recognize from XXXX. On XX/XX/2018, I immediately contacted them for validation of the account. Initially I received nothing in response. Since then, I have requested the same information on 3 different occasions. What I received on my 2nd ( XX/XX/2018 ) and 3rd ( XX/XX/2018 ) occasion was a copy of a final bill from XXXX XXXX, a company Ive not done business with. What I was expecting in return was a package including contracts and signatures validating my ownership of the account and my agreement to repay said account. It was at this time that I realized XXXX XXXX AND XXXX were both negatively reporting on my credit reports simultaneously for the same account. 
Please delete this account from my XXXX XXXX and XXXX reports as this company has violated multiple FCRA laws in this inaccurate reporting.
My bank account was fraud by someone I do not know and the bank took the remaining of my money to cover the balance of the fraud account I reported my card stolen and the Bank closed my account for good
I had to several hardship, I loss everything and had to file bankruptcy. I was advise per the bankruptcy these student loans should have been discharged. I have not been able to get a job with this degree from this university. I am truly in need of some assistance. Thanks in advance!
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Creditor Advocates is located in XXXX, MN I am located in XXXX Texas, this company is not bonded in the state of Texas to be collecting debt. based on Sec. 392.101. of Texas Finance Code, and must immedialty cease and desist any efforts in this state to collect Choosing not to can result in a lawsuit, and fines from the state of Texas as well as me the consumer. 

I recieved a letter in the mail stating I owe a debt, i have been in Texas for over 4 years and never once have heard about this, I have used this facility however that was under a different account number and that was paid in full ... i am not sure where this new account came from since i have not lived north for over 4 years, however its likely false, and they should not be contacting me anyhow, based on there lack of bonding in the state