WillisBack/dataset-financial-user-claim huggingface dataset:
Trans union is reporting Negative accounts on my report. see bellow i contacted the company they have no debt there thast is in my name or sociasl nor are they finding anything at there agency when the did a credit report search. same with XXXX ive never gone to school. and have followed up with them as well and they have no information on me at XXXX. see Below several examples on my report only trans union is reporting. New AccountXXXX XXXX, 2017 DESCRIPTION An account provider reported that a new account opened in your name. NEXT STEP If you do n't recognize this account, contact the account provider listed. DETAILS Account XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Type n/a Phone n/a Account XXXX Amount {$14000.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX Amount {$7700.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX  Amount {$6100.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX XXXX XXXX XXXX Amount {$17000.00} Status Collection/Chargeoff Type n/a Phone n/a
The mortgage company continues to charge my account for not having insurance. However, I faxed proof of insurance to the company and the insurance company notified the mortgage company that an active policy. After several conversations, the company continues to charge my account for not having insurance. Further, the company continues to conduct an analysis to bring the account current. However, they have failed to do so. XXXX, Supervisor, stated that they will complete analysis. The analysis was promised by XXXX to be completed in XXXX. On the contrary, it was not completed as of XXXX 2016. An analysis is not appropriate. The payments should go back to the original amount. They are reporting me delinquent to the credit bureau. After several calls and months, they are still refusing to adjust my account and are demanding that I pay for their insurance. They sent back my XXXX payment and put a lock on my home. 
My escrow account was depleted and the funds, as I requested were not placed, due to the error that the mortgage company made. Despite several requests to make the needed corrections, they refused. My husband is a XXXX veteran who is XXXX and I 'm a retired school teacher who is on a fixed income. I can not afford to pay more money than required. They are trying to intentionally foreclose on my home.
A few weeks ago, I signed up for the Citi ( XXXX ) XXXX XXXX XXXX Signature ( R ) Card. I got the card and notice, my signup bonus is XXXX points. I call Citi and say, how come I 'm not getting a XXXX bonus? The guy says I signed up with a XXXX link. I ask if there 's anything I can do to amend this. 
He says I have to close the account and reopen. This is fishy to me because then I would be ineligible, as I received an offer within the last 18 months when I signed up the first time. He assures me I will get the new bonus, I just have to do that. So I close it with him. 
A week later I apply again, this time making sure it 's a XXXX offer. I sign up and get the card, but I 'm then told I 'm not eligible because of exactly what I feared, I already signed up for a bonus when I applied the first time. I call Citi and they explain why I 'm ineligible. She transfers me to customer service. They understand what I 'm saying and after a long hold, say, " We 'll get you the right bonus but you have to re-open the account you closed. '' OK. 
I ask multiple times, " The bonus I 'm now eligible for is XXXX, right? " Yes, yes and yes. He says to not worry about the XXXX account I opened, he 'll take care of it. Well today I get a letter in the mail, " Thank you for re-opening your account, your card will arrive shortly. '' An hour later, I get an email I was " approved '' for the XXXX account. 
I have called back numerous times since then checking on the status of my account. Every single time, I get a different answer from a different person. I have been deceived by Citi and they continually do not honor the things they tell me. 
Now they tell me I have XXXX accounts and I can not receive a bonus offer on either XXXX of them. I am extremely dissatisfied and feel lied to.
On XX/XX/XXXX, I received a voicemail on my home phone with only a phone number to call back. I researched the phone number to XXXX XXXX so I sent them a validation letter on XX/XX/XXXX. I received their " verification '' letter on XX/XX/XXXX. It was dated XX/XX/XXXX and stated that the debt was valid and attached verification of the debt. The attached verification shows a forwarded balance, my name, and an account number. I remember disputing this alleged XXXX debt back on XX/XX/XXXX, but it was with a different company, XXXX XXXX XXXX. I have my credit reports from XX/XX/XXXX in which I marked when I disputed it on XX/XX/XXXX. Then I have another credit report where I marked it that it was removed on XX/XX/XXXX. I have an XX/XX/XXXX XXXX report and that account is no longer on there, as it was removed in XX/XX/XXXX. When the alleged debt was on my XX/XX/XXXX credit report, it showed that the " account is scheduled to continue on record until XX/XX/XXXX. ''
I received a letter of denial from XXXX for a XXXX XXXX credit card, based on information supplied by Trans Union. They stated my application was denied because Trans Union reported there were " too few accounts with sufficient satisfactory performance '' and " insufficient number of credit cards on your credit report ''. 
I went on line, as directed, and could not get a credit report from Trans Union, I did get them from the other two companies. I then called Trans Union and the first representative could not assist me and I was transferred to XXXX, a supervisor, and she could not explain why my information with Trans Union was different from the other two companies. I asked why Trans Union could damage my credit rating while the other two credit reporting companies gave me a much higher credit rating and she could not answer the question.
I took out a loan for a vehicle in XX/XX/XXXX, never missing a payment. PNC has strange rules about online account access, requiring a fee based checking account - so i set up automatic payments. InXX/XX/XXXX i received a 'final statement ' and was told i would have one more payment and would be done. That final payment was not for the notified amount. Instead they took less, and immediately sent me a late notice and began calling me 3x per day. Then collection calls started. To end this, i paid the remaining amount. A few weeks later, i received a check, and was told i had overpaid. Then i received a closed account letter and my title. OnXX/XX/XXXX,  PNC took yet another payment. I have been unable to find a human to help me. my case was 'elevated ' to 'executive level ' but the person i'm to call is never at work.
We made a large extra payment to paydown the loan, it was not posted when it should have been ( they acknowledgde issues with their processing ). It was posted ( finally ) 18 days after it should have been. They said they would have credit us the accrued interested related to the late posting by early last week, but have not done so yet.
I have been trying to get a loan modification for several months. I experienced a ligetimate financial hardship with the closing of my business after losing a major contract. I was denied a modification because I did n't make enough money. I worked really hard over the next 3 months to increase my salary and got XXXX jobs. Now I resubmitted my information with the new income I have. They are saying I 'm ineligible for re-entry and my home now has a sale date of XXXX/XXXX/16. I am also working with XXXX and they suggested I come to you.
XX/XX/XXXX-Emailed origin bank the then current servicer of mortgage to request payoff statemnt for XX/XX/XXXX XX/XX/XXXX-Called origin bank to check up on issue-they said that it takes 48 hours XX/XX/XXXX-Called Providence financial the new servicer of mortgage to request payoff statement-said loan is not in computer now so they can not give me XXXX XXXX XXXX origin bank -- they said to call Providence financial and talk to supervisor since they do not service bank XX/XX/XXXX-Providence financial told my husband that it would be in the computer by end of day, they told me that it woudl be in there by noon on Tuesday XX/XX/XXXX XXXX-Closed on house, no longer the owner of home but still paying on house XX/XX/XXXX-XXXX Not in computer, called PRovidence financial again and they said that it may be in computer by friday. Asked to speak to supervisor who was rude and said it was my fault and there is nothing they can do. Continuing to lose money because pay off date is moving farther out and do not have funds to make other purchases.
After having made a payment that exceeded by balance on my CapitalOne MasterCard, on XXXX/XXXX/XXXX, CapitalOne drafted me a check for my credit balance in the amount of {$120.00} which I received in the mail shortly thereafter. On XXXX/XXXX/XXXX I mobile deposited their check to my XXXX checking account using my smart phone. On XXXX/XXXX/XXXX I received a letter from XXXX indicating that the CapitalOne check I deposited was returned as it was drawn on a CLOSED ACCOUNT! XXXX 's letter further indicated they were debiting me a {$12.00} returned item fee. On XXXX/XXXX/XXXX I called CapitalOne customer service at XXXX and reached some guy in XXXX who barely spoke XXXX that was difficult to understand. After going round and round with this guy, he finally indicated that CapitalOne would send me a replacement check but only for {$120.00} credit balance amount but would not reimburse me for the {$12.00} returned item fee that I suffered for having deposited their bogus, worthless check that was drawn on a closed account.
The account is paid and closed. 

The last 4 of my social are XXXX
Allied Interstate is continuing to call my job and work, after I asked them 3 different times to stop calling my work. Collecting for XXXX. They 've had a HIGH turn over rate since I 've been dealing with them so I never get the same person for long. Every time I call to make a payment and my contact information is reviewed, and again yesterday XX/XX/XXXX and today XX/XX/XXXX they 're calling my job asking for me. 
Name of the school at the time of loan was XXXX University, at the time I did n't realize I was taking a private student loan.
Just after the XXXX  credit breach last year I attempted to freeze my credit with the three credit reporting agencies. I could not reach Experian, and through a third site, XXXX, I arranged to have my credit frozen at Experian. I thought this was a one time charge, but now realize I am being charged {$24.00} on a recurring basis. I have now three times attempted to contact Experian to cancel whatever program they have put me in. Each time I go on the Experian website, which does not allow you to cancel their memberships, but instead provides a number to call at Experian to cancel. Each time Experian is contacted at that number you are given the time one must wait to obtain an operator. In my case it has repeatedly been two hours. Usually, I am not in a position to stay on hold for two hours. Today, I stayed on hold two hours waiting for customer service only to be disconnected just at the two hour mark. I called back and was told there would be a two hour wait. I believe Experian is using this tactic to prevent customers from cancelling their Memberships.
I was offered a credit card machine through XXXX XXXX XXXX for my small business. I was approached with this offer by a salesman at my place of work in XX/XX/XXXX ; I did not seek it out. The XXXX salesperson showed me the cost of the machine, but he did not mention that I would be leasing it from XXXX XXXX XXXXXXXX. I found this out when signing the paperwork.
<P/>In XX/XX/XXXX, XXXX closed my account because my business was classified as a money service business. Nothing about my business practices had changed, so XXXX should have known this classification from the beginning. With the XXXX account closed, I was no longer able to use the credit card machine. However, XXXX XXXX XXXX would not allow me to cancel my lease, despite sending the equipment back in XX/XX/XXXX. My options were to continue leasing a useless machine for three more years or to end the lease by paying an opt-out fee. In order to end the lease, I was required to pay more than five times the total market value of the credit card machine even though I was not the party who had closed the original account. <P/>While I was disputing this with First Data, they sent the balance to collections which put a hold on my business credit line. <P/>In conclusion, I was misled by XXXX bank on multiple counts : 1 ) Leasing the device from a third party and 2 ) my business ' eligibility for an account with XXXX. I was then bounced between XXXX and First Data customer service, and then ultimately frustrated by First Data 's unethical business practices.
Unsolicited call from " debt collector '' Superlative RM, telephone XXXX XXXX XXXX. Company stated, " We are a debt collection company trying to collect an outstanding debt. '' Was requested to call XXXX XXXX XXXX referencing a case number. When I called, an automated answering machine indicated who they were, all agents were helping other customers, please wait on the line for the next available agent. The line was answered within one minute and the answerer immediately hung up. This happened successively three times. 

I have no outstanding debts and believe this company to be a scam. When I called the number the solicitation had originated from, XXXX XXXX XXXX, an automated machine answered in both XXXX and XXXX, " This number is no longer in service. '' How could this be since I had received a call from that number less than one half hour earlier? 

I am reporting this company to be a scam and request it be investigated.
I have been in on an income driven plan for 10 or more years through AES. I'm being told only my last 10 payments count toward forgiveness. I was told i was in the " correct payment plan '' for forgiveness. I've been in public service for almost 20 years.
Several of my family was notified that I had an outstanding loan from a Pay Day Lender. I never received or applied for. The name of the collection agency is National Principal. The phone # for them is XXXX. The address is XXXX XXXX XXXX. XXXX, NY. XXXX. The origionating loan supposedly came from XXXX XXXX. They claim that this loan was deposited to my bank acct. in XXXX. However, that acct. has been closed for 9 years. They called all of my family clearly stating that I was in legal trouble and to have me call them immediately to settle this matter before arrest. This loan was never applied for or taken by me. I spoke w/ my credit union and they have NO transactions in my name from either XXXX XXXX or National Principal. Incidently, they used my husbands SS #, my closed bank acct. and My 3 year old email address ( which was hacked and has been closed for 2 years ) to say it was me who took out this loan. They harassed my family, left threatening phone calls and threatened me w/ arrest. They offered to settle the acct. for {$500.00}. Fortunetly I did some research first. National Principal was so threatening I believe that someone may pay them just to get rid of their terrible harrassement. DO NOT PAY THESE PEOPLE. They are experts at getting your information, such as family phone # 's, SS #, bank accts. etc ... give them NO information! I am reporting this activity because we were led to believe that perhaps someone in our family had deceived us and taken out a loan in our name. NOT true. It caused a lot of stress and worry. It is a fraud and our XXXX XXXX was wonderful in helping us sort out this mess. Please, someone check into this and stop these people from harming more families. 

Finally, we never received a loan or monies of any type. It was stated by their " associate '' that the money was deposited and withdrawn from our acct. Our credit union proved to us that this did not happen. We at no time received a dime from this or anyother Pay Day Loan company through our XXXX XXXX.
XXXX XXXX XXXX from XXXX XXXX, California has sent me a Pre-Legal Notification/ Debt Collection letter I received on XXXX XXXX, 2018 claiming that I owe {$3300.00} on a Sears credit card. I do not own a Sears credit card. The letter threatens legal action if I don't pay. I contacted them via phone. The man I spoke with had a very thick XXXX accent which was extremely hard to understand. He wanted my social security number and date of birth which I did not supply him. I let him know that what he was doing was illegal and that I was going to file a complaint with my attorney general 's office, the United States postal service and the Federal Trade Commission which I did, today, XX/XX/2018.
On XX/XX/2018 I gave XXXX XXXX XXXX XXXX 2 third party checks. Amount XXXX Chase bank froze the bank account and is currently holding the funds. They said they will hold the fund indefinitely. The only way to get funds back is to have foremost insurance request for the fund to be returned to them I contacted the insurance adjuster and she cant get funds back because chase has cashed the checks per XXXX Chase will not return the checks or release the money. On XX/XX/XXXX I went into chase with owner and spoke with a banker. They explain that chase didnt have to release fund or return to foremost insurance. 
Please asked chase to return funds to foremost insurance.
In the beginning of XXXX 2015 I was informed by Equifax that my credit report would be transferred over to their " Equifax Office of Consumer Affairs ''. At the time I had no idea what this department was nor why I was placed in this department. 
Also around early XXXX I began applying for credit cards and shopping around to refinance my home. 
I was denied several credit cards and mortgage opportunities. I had no idea why until I started receiving letters in the mail with the reasons why. These letters were stating that " Equifax credit bureau information is missing/unavailable or score not available ; insufficient or unknown credit history ''. 
Curious I called the " Equifax Office of Consumer Affairs '' to ask about the situation. I was told that companies would not be able to get access to my reports anymore because NOW my reports were being held by the " Equifax Business Division ''. 
Meaning mortgages, credit cards, insurance companies and even a job that Im trying to get would have to contact this Equifax Business Division. 
This has been a HUGE burden on my family and I. I cant apply for jobs in a timely matter, get car insurance, nor apply for credit. I also can not access my credit report online anymore, which according to the law I have to right to receive. 
I want to be taken out of this " Business Department ''. I want to be taking out of their " Equifax XXXX of Consumer Affairs Department ''. 
I have still never received a explanation in writing as to why I was put their special departments in the XXXX place. I do think because of me contacting the CFPB in the past, this is their way of " punishing me ''. 
Regardless I have a right as a consumer to access my personal credit report and give permission to other entities without having them contact the Equifax Business Division. 
I would like an explanation as you why this happened. I have also contacted a lawyer about the situation. I am ready to go further if need be. Hopefully this can be resolved without any further problems. 
I would like to have Equfax remove me from these departments immediately. 
Thank you ... .. 

XXXX XXXX
I

have lots of inquirys that didn't have permission or no need to view my credit report XXXX XXXX XXXX had my permission to review twice on XX/XX/XXXX and XX/XX/XXXX I signed my car note XX/XX/XXXX with XXXX XXXX, All inquiry 's after XX/XX/XXXX DID not and DOES NOT have my written permission XXXX XXXX XXXX XXXX did not have permission to pull credit on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Unless They can show they had my permission remove these inquiry 's listed, XXXX XXXX had my permission granted to pull my credit on XX/XX/XXXX XX/XX/XXXX on both dates I signed my contract for car with XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX there was no need to countinue pull my credit report, XXXX XXXX did not have permission on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX did not have permission on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX these companies need to either provide where I gave written permission with a signed and dated document or remove from my credit report, EXPERIAN is to insure that my report is being hand out with my permission and maintain copies of such in my file 15 U.S. Code 1681b - Permissible purposes of consumer reports The term permissible purpose is defined by the Fair Credit Reporting Act ( FCRA ) as a reason that a consumer reporting agency may furnish a consumer report to any person or organization. Unless the purpose for furnishing the report is listed as a permissible purpose, it can not be provided without the individual consumers express consent. I do understand the language, so please investigate all inquires and remove all non-account inquiry 's
XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> hurricane Irma damaged our home financed by Mr. Cooper. They received insurance funds on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>.  We 've provided all the requested documents and called them almost daily but they still have not released the $ XXXX needed for home repairs. Each time we call it 's the same conversation as if they are reading from a script, " we apologize for the delay, I will request that be expedited immediately, you should have a check within 5-7 business days. '' Each call taking an hour on average but longer if you insist on speaking with a supervisor. I 've complied with their 15 page procedures and set up account on XXXX as advised, but they are delaying and delaying. We 've had to go to a local bank and borrow money to begin repairs in order to prevent additional damage to our home. We 've called Mr. Cooper twice to complain about it 's loss claim department, no one returned the first call and the second customer service rep transferred me to the department I was calling to complain about. We 've submitted a formal complaint and are waiting to get a response back. It 's an awful thing to have your home damaged and then to be victimized by your mortgage company like this is unimaginable.
My account balance w as discharged i n  a Chapter   XXXX   Case  #  XXXX  filed   XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX .  To date the financial institution has continued to report my account negative to    XXXX   XXXX  . I w as granted relief from this debt and I want the account removed from   XXXX   XXXX   immediately.
RUSHMORE LOAN MANAGEMENT SERVICES, is attempting to foreclose on my home XXXX XXXX 2017 with an assignment that been robo signed. I asked for proof of claim and debt validation none of my request have been responding to. I also mailed a QWR, and it has been responded to either.
My present mortgage has been identified as one of the loans created by XXXX XXXX XXXX in 2005 who was a major contributor to the mortgage industries financial downfall. XXXX XXXX sold or transfer my mortgage to Aurora Loan Services ( both of which declared bankruptcy ) and sold the bad paper, that is now held by Nationstar Mortgage LLC ( XXXX, TX ). My interest rate has reverted back to 6.+4 upon the end of what Nationstar labeled as a modification in my paperwork for 2 years at a 2 %. I am now told that my loan was not a modification but a forbearance. My situation has not changed since the housing industry problems. I am still on a fixed income and can not afford the high interest rate and am in danger of losing my home.