WillisBack/dataset-financial-user-claim huggingface dataset:
We started the home buying process with Eagle Home mortgage in XX/XX/XXXX. 
Throughout the loan process what we found surprising as first time home buyers was the lack of responsiveness and customer service to our questions or concerns. In fact, this behavior continued until days before closing in XX/XX/XXXX when we had to reach out to our Loan Officer by phone after a number of attempts to learn that our interest rate had yet been locked in! This was rather upsetting as we had many months to discuss and lock in a much lower rate. As first time home buyers we had an expectation that Eagle would have our best interest in mind, however it very much felt like we were just a number. 

During closing we were informed that our first mortgage payment would be due in XXXX and we were prepared to make this payment. In addition to this we were told we would be contacted by the mortgage company to whom we should make payments as it is common for the loans to be sold rather quickly. Come end of XXXX we still did not hear anything. So we reached out our loan officer to assist us as we did not want to miss this payment. However, there was absolutely no response to the voicemail left. Furthermore, we contacted the legal office for guidance to direct us to whom we should be submitting payments, yet this individual had no information other than to tell us that we will be contacted soon by whomever we should make payments to as it is normal for the loans to be sold. Days later we were contacted by XXXX XXXX who informed us that our loan was sold on XX/XX/XXXX and their records indicate that our first payment is not due until XXXX. We accepted this information as true considering we had recently been in contact with Eagle, and we  were contacted directly by the new mortgage company. 

After this experience, it was not until late XXXX that we received a letter in the mail from Eagle Mortgage informing us that although our loan was sold XX/XX/XXXX, we still owe them for the month of XXXX and had missed our first payment. This communication was unacceptably delayed considering our early contact efforts in XXXX to make sure we were doing everything right. 

In all, Eagle Mortgage continues to demonstrate a lack of responsiveness and does not take full accountability for how their delayed communications impact their customers.
I fell behind during a financial issue on debts, as I was catching up everything XXXX sold my debt before I could recover. XXXX XXXX XXXX bought the debt and issued a letter threatening to sue me in XX/XX/XXXX. I responded in XX/XX/XXXX with " first request ' requesting to have a payment arrangement sent to me. A month later I got a second notice threatening to sue me. I again responded with 'second request ' for repayment schedule. In XX/XX/XXXX I was notified that XXXX XXXX XXXX and their attorney XXXX XXXX had filed a lawsuit in court against me. I have attempted to obtain a repayment schedule form them again, this time by certified letter to XXXX XXXX, XXXX XXXX XXXX and copied all to XXXX County Court. They have deceptive practices and I will not make a non-binding verbal agreement over the phone to only have them continue with the lawsuit to garnish my wages/property. I am attaching copies of the most recent letters and USPS tracking numbers. In addition a screen print from their web page showing I can not set up payments. I was able to work with all of my other creditors to catch up and have one additional in collections that have allowed me to set up payment arrangements. It seems MCM is only interested in deceptive and threatening practices, not in actually working with the debtor to get the debt paid. I still would like to opportunity to set up payments on this account and have the lawsuit removed.
I have contacted Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet and still they still continue to report inaccurate information onto my credit file. XXXX WITH ACCOUNT # XXXX IN THE AMOUNT OF XXXX IS REPORTING ON MY CREDIT FILE. FIRST OFF this is not my account and Equifax continue to ignore my request and my proof that it's not mine to remove it. I am a victim of identity theft and they continue to report accounts that were open due to identity theft onto my file. XXXX XXXX in the amount of XXXX that is a medical bill is not mine as well as another XXXX XXXX in the amount of XXXX does not belong to me either. Im fed up with Equifax due to the fact that these companies can't verify the information with me so how in the heck are they verifying it with you. nI even have a letter from XXXX stating that they have been informed to remove this account from my credit file. Yet it still remains..
I tried to call to correct the address that XXXX XXXX XXXX XXXX is reporting and they were very unclear stating they couldn't change the incorrect information because the account is closed ... Also XXXX XXXX XXXX XXXX are reporting a late charge from XX/XX/2012 on my XXXX  and Experian reports that is inaccurate. Company hangs up on their customers constantly, refuses to follow federal judges orders, and tries to micromanage their customers speech. XXXX XXXX XXXX XXXX are fraudulently reporting incorrect information as one of their representatives put it to " on purpose '' to tarnish my excellent credit record. XXXX XXXX XXXX XXXX   can't even keep their own facts straight they report 0 missed  payments to XXXX  ( which is accurate. ) but then turn around and report different false information to two other bureaus.
I work with FedLoan Servicing for repayment of my loans. They send me e-mails every month reminding me that I have to make my payment. However, I 've noticed they 're very sneaky when it comes to re-certifying my income based repayments and PSLF status. They sent one single reminder in XX/XX/2016, three months before I was due to re-certify my IBR plan. They did n't remind me at all to re-certify my PSLF plan. I believe these are deceptive and intentional practices made in an effort to A, cause me to lose my IBR payment plan, thereby causing me to have to make a substantial payment or else use forebearance, and B, to keep me from having my PSLF loans dispersed. Otherwise, why give me only one brief notice 3 months prior to a due date and not give any notice at all for my PSLF plan 's expiration? As I said, every month they remind me I need to pay. But when it comes to limiting my payments or alleviating the expense of my payments they are quiet. To me this is a deceptive practice. I should receive monthly reminders up until my plans expire, just as I receive reminders that a payment is due. Because I missed the IBR re-certifying deadline they wanted me to make a payment that was 3 times what my income-based payment plan would have been. Had I not taken my own initiative to re-certify my PSLF plan, my loans would be delayed in being dispersed.
Dear sir/madam, I want ESCALLATE to remove the negative report they noted on my credit report because I do n't own the debt in question ( MEDICAL BILL ). They have to remove that from my credit report IMMEDIATELY
Re : Barclays Aadvantgae Aviator Credit Card Promotion : In early XXXX, 2016 I received a promotional offer via USPS mail ( Offer XXXX ) which required, registration via web or phone and the making of {$2500.00} of net charges each month for six months commencing XX/16. I have the original promotional mailing where I placed a " check '' next to the registration requirement indicating my registration. I subsequently made the required charges for each month commencing in XXXX and ending in XXXX. I was to have received, in addition to the normal perks, XXXX XXXX XXXX miles 6-8 weeks after the promotion ended in XXXX. When the XXXX bonus miles were not paid out, I called Barclays ( more than once ). In my most recent conversation ( XXXX ) I was given a totally different story. The story now was that I their system did not recognize my initial registration and that there would be no pay-out, despite their admission that the offer was, in fact extended and the fact that I met the spending requirements. Barclays has created no registration confirmation process, so I can not produce an email, a text, or a webpage confirm to refute their contention. As a side note, my wife also has the same card, received the same offer, registered as I did, made the required level of purchases and similarly did not receive the bonus miles either.
I have recieved numerious call back to back. I recievd serveral calls with in an hour time frame.
I have contacted Transunion several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX  has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.
Starting XX/XX/XXXX, Navient raised my monthly payment from {$120.00} to {$520.00}, and they will not give me any reason why this happened. 

I requested to receive monthly statements mailed to my address each month, starting XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive anything in the mail. When I called customer service to inquire why I have not received anything, I was told that I was sent a coupon book in XX/XX/XXXX. First, I've never heard of a coupon book before. I never signed up for that, never received it, nor did I want that. Customer service said they sent it, but they did not. Then on the same call they said that they sent a monthly statement on XX/XX/XXXX, for a bill that is due on XX/XX/XXXX. How can they send a bill 2 business days before it is due? It seems that they want me to be late on this bill since I won't get the statement until after the due date. 

They keep giving me the run-around. One person tells me one thing, then the next contradicts that statement. They raised my monthly payment amount without telling me, and will not tell me why. They also changed my monthly due date without telling me. I did not ask for a new due date! For the last 10 years it has been on the same date, and then for XX/XX/XXXX they changed it without telling me ; so then my payment was late since I paid it on the day that has been in place for 10 years. 

I feel hopeless and that I will never be able to actually pay these loans off.
JH PORTFOLIO DEBT EQ, XXXX XXXX XXXX XXXX XXXX XXXX, MO-XXXX ( XXXX ) XXXX Is reporting an account that has not been validated. I 've sent a few letters and can not get them cooperate with me. I have even offered to pay a lower amount for the sake of saving time and to ease the troubles of all parties involved. Since this company is unwilling to cooperate and can not prove that I legally owe this alleged debt to their collection company, I am requesting formal relief and that they quit reporting erroneous information to credit agencies.
I have received a derogatory mark on my XXXX credit score from CBCS for the collection of {$140.00} ; account opened XXXX XXXX, 2017. Though this mark shows up on my credit score history, I have yet to receive any paper documentation from the company explaining what company I owe money to or a " Right to Despute '' letter for this debt. I would like to know more information regarding this debt so I will be able to have it paid and removed from my history.
This is the follow up from the companies response not providing validation about an account they continue to report. For this company to report the information and not be able to validate the account per the FCRA they should not be reporting anything. The letter they send actually indicated that they did not have proof of the account in question. They did however send a contract on another account that was in question.
I contacted Transunion and spoke with a agent and explained that I was not aware these inquiries and it looks like something suspicious is going on .She told me to contact these companies directly. That was n't very pleasant thing to say because when I tried to call these companies they do n't know how to handle my call and end result, I 'm on hold for several minutes and then they tell me to contact the reporting agency. 
I would appreciate if someone can please remove these unauthorized inquiries. 
Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX
This is in reference to complaint # XXXX XXXX XXXX has yet again sent this rogue bill yet to another collection agency this time to Diversified Consultants in XXXX, Fl this company sent a bill this time 1st bill I have ever gotten, it usually just pops up on my credit.. anyway, I called and spoke with them Monday XX/XX/XXXX around XXXX.. told this agency this is not my debt, he said there was n't anything he could do and that XXXX XXXX was going to continue to send this debt until its paid.. so I then hung up contact XXXX fraud department.. told them I had never gotten a bill from them and it 's not my debt.. the lady really did n't want to hear my story, told me she was sending me to the fraud department and speak to them.. I was transferred to an automated message to go online and file a fraud complaint.. when you go to the website it ask for your picture id and social security number.. why would I want to give you that kind of information if you claim to already have it on file?? I have asked them to send me signed documents where I signed for these services and I asked them to send me copies of proof of anything that I signed getting these services, I have told them that if they pull up XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX fire in the XXXX XXXX Commercial newspaper they will see I was interviewed by an reporter that I lost my apartment in a fire listed at XXXX XXXX XXXX and I also filed bankruptcy 2 months after the fire if this was debt I could have simply put in on my bankruptcy.. this is not my debt.. this is not BACK on my credit as of yet.. your agency helped get this removed in reference to complaint # XXXX.. please do not let these people put this back on my credit!! This is a complete nightmare!! I am in the process of looking to purchase a new home in about 6 months or so.. I do n't need this popping back up on my credit.. please help.. I have the email I sent of this conversation to XXXX XXXX if you would like for me to forward emails.. the emails state what I told you in this complaint
Have been disputing with credit bureaus regarding Public Record ( s ) reflected on my Transunion credit report. 

Federal Tax lien reference # XXXX ( Released XX/XX/XXXX ) Tax Lien reference # XXXX ( Released XX/XX/XXXX
This is the second time my card with comerca bank with direct express. Had had money taken out with out my knowledge the last time I was told that I would not have to wait the 45 days for investigation. I would have my funds go back in pending investigation. XXXX XXXX took. When I called they told me that the account does not belong to me. Then I get a email that they can not refund me because the people who used my account got right home address. Someone needs to get my XXXX payments back in to my card be for I end up homeless with XXXX kids. Please help
the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The  bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : 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 {$210000.00} balance.
I placed an order at Kohls.com, the order got cancelled and when i called to find out why they said there was a fraud alert ( I had never had this before, nor did they call or email me about this ). They said they phone number on my account couldn't receive texts and would not allow me to use a different number as they claimed they could not verify the number. They would not explain why they couldn't verify it and just locked my account saying i need to go to a store with 2 forms of ID. I do not have time to do that, and i have 2 cell phones with 4 available numbers as well as an email on the account that they can use.

I have had fraud alerts with other banks and a simple phone call or click of an email link will correct it. i have never had to go to a bank. This is unacceptable.

I spoke with XXXX, employee number XXXX
Choice Recovery, XXXX Ohio refused to remove medical bills sent them information that I am covered by XXXX XXXX and XXXX XXXX XXXX Se nondairy. 

Representative hung up on me.
i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( XXXX, transuNION AND XXXX ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.
I am having a problem with my current mortgage company submitting a requested pay off letter to the refinance mortgage company that I have been approved with. I have sent requests dated as far back as XX/XX/XXXX, more current requests such as a second written request inXX/XX/XXXX with an attached sample letter that the underwriting department of the refinance company needs. I keep receiving a pay off amount but not what the language is needed to be able to move onto the next process with the other mortgage company. I have called on XX/XX/XXXX, I had both companies explain what was the process to each other. I called again after the two parties agreed to a 2 week manual letter to be generated from current lender. I called again on XX/XX/XXXX, I was promised a would get a phone call on XX/XX/XXXX and that did not happen, I called two more times XX/XX/XXXX again message left and no call back. I have certain appraiser deadline that is nearing, among all the other new lender deadlines. I also have divorce attorneys needing this process to be done. This is way too much emotional stress that I keep having with the current mortgage company. I have been an excellent paying customer and receiving poor service.
I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I  paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I  tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/google and left a voice mail and have not gotten a response.
My life has been turned upside down.

Last year on XX/XX/2017, I notified Trans Union of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, Chapter XXXX Bankruptcy Discharged XXXX
XXXX has been non-compliant with removing the unverified account PHOENIX FINANCIAL SERVICES LLC Opened Date XX/XX/ 2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that PHOENIX FINANCIAL SERVICES LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : 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 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Specialized Loan Servicing is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and XXXX ) and the account is paid in full.
I have sent 2 communications by mail to this company requesting that following the standards of the law and my rights that they provide me proof of my signature validating that I owe this alleged debt. I have waited over 60 days and they have refused to respond with proof this debt is mine.
I take student loans for XXXX by XXXX. For health reasons, my payments was late. XXXX increase the loan amount of {$8.00} to {$12.00} for a period of XXXX years, when accept a deferment. Then, transfer the loan to Performant Recovery Inc . 
The monthly payment is being made through payroll discount and my employer makes payments monthly. In the Credit Bureau report this amount is continuous ascending balance and do not report the payments to credit bureau and my account is bad. The credit score monthly is low because Performant Recovery does not report payments received. Beetween XX/XX/2016 to present my XXXX Student Loan account balance Increase by $ 55 monthly from original balance and is not good to me and I afected my Credit.
Harassing phone calls XXXX times a day. 5-6 days a week. When we answer they hang up. I attempted to call them to find out why they keep calling and when I ask them to disclose reason for their call they hang up on me. They also refuse to answer my questions as to their purpose of constant harassing calls and refuse to answer my questions when I ask what the matter is about.
I opened a business checking/savings account in 2011 with Wells Fargo and they were using a credit card for advances without telling me. I could n't even see the card or the card account information on line. After a couple years I went in and told them they had charged me {$160.00} for {$150.00} in advances and I told them it was n't fair and asked to get the {$160.00} returned but they said they would n't so at that point I closed my account and moved to another bank.