WillisBack/dataset-financial-user-claim huggingface dataset:
In a permanent XXXX lien HAMP modification thru Making home Affordable program. Servicer ( PHH Mortgage ) is refused to offer a 2MP modification on the XXXX lien, even after I requested it be done, per Making Home Affordable Directives. Now XXXX lien note ( HELOC ) is in repayment period with a substantial increase at 2.7 times my previous monthly payments. PHH Mortgage services XXXX and XXXX liens and will not answer critical questions submitted in the Qualified Written Request. I have submitted a completed submission package as directed by the Relationship Manager, whereas ; I specifically indicated on all correspondence to PHH, the intent of all submissions are for 2MP implementation. PHH tells me XXXX XXXX owns my XXXX note, but I have proof that it does not own my XXXX note.
On XXXX XXXX I reviewed my credit with XXXX and they have my fico score is very damaging at XXXX in which it should be higher than that. XXXX statements of 60 days late payment and collection and 10 hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XXXX XXXX and it was Discharged by XXXX, Texas Federal Judge on XXXX XXXX. No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with XXXX, Equifax and XXXX. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The ten hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Michigan.XXXX pulled on XXXX/XXXX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX pulled on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX.pulled twice in XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX pulled on XXXX/XXXX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX.pulled on XXXX/XXXX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. XXXX.pulled on XXXX/XXXX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX . XXXX.pulled on XXXX/XXXX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona.XXXX XXXX.pulled on XXXX/XXXX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX . XXXX.pulled on XXXX/XXXX/XXXX 10.XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX.pulled on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by XXXX, XXXX and Equifax. <P/> Also I never resided or lived at XXXX XXXX XXXX XXXX, Tennesse.XXXX.This address is on XXXX, XXXX and Equifax.This is Fraud.address
I previously submitted CFPB complaint # XXXX. XXXX XXXX of Ford Credit stated in her response to the CFPB complaint that a 30 day late pay for XXXX 2014 is NOT being reported by XXXX XXXX. I have highlighted this statement on page XXXX of XXXX of attachments ( Ford Credits response ). 30 day late pays ARE being reported on my XXXX and XXXX for XXXX of 2014. I have attached hereto ( i.e. pages XXXX of XXXX and XXXX of XXXX ).
XX/XX/2018 : Was called from XXXX XXXX XXXX and left a message regarding my friend , XXXX XXXX, asking me to call back. 

XX/XX/2018 : Was called from same phone number and a message left, with unintelligible name ( of caller ) and a reference again to XXXX XXXX. Time of phone call was before XXXX XXXX. This call woke us up. 

XX/XX/2018 : Was called at XXXX XXXX. Again, woken up by the phone call. Picked up phone and began to speak to the caller. After repeated requests to repeat and speak slowly, was able to get the caller to clearly pronounce the last name of my friend, XXXX XXXX. When asked for the caller 's name to be provided, so that I could understand who I was speaking with, caller hung up phone. 

XXXX XXXX XXXX is connected to XXXX XXXX XXXX in XXXX TX. 

I am being harassed by this debt collector. I have no relationship or debts with them. Their debt is with XXXX XXXX, not with me or anyone else at this location in California.
I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XX/XX/XXXX.One of the disputed items is Bankruptcy : Discharged XXXX ref # XXXXwhich according to the court has been dismissed last XX/XX/XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XX/XX/XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.
I reached out to Equifax on several different occasions and told them that the address that 's on my credit file does n't belong to me. Credit Bureau refuses to remove it. I have never lived at that address. I was told by their representative I had a mixed credit file and the address will be moved a year later it 's still on there. XXXX XXXX XXXX XXXX, IL XXXX
I am a victim of the Equifax Data Breach, my social security, driver 's license, etc has been accessed by the hackers. They have all my personal information. I can not even access my free credit report at this time to check for issues and they tell me I can " enroll '' in their 'XXXX XXXX ' is on the X/XX/2017. I now have to worry about the long term impact this will have on me as they can sit on my information, especially my driver 's license and social security information, for years. This breach has compromised my information for the rest of my life.
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and Wells Fargo. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XX/XX/XXXX beginning XX/XX/XXXX-XX/XX/XXXX. 

On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XX/XX/XXXX beginning XX/XX/XXXX-XX/XX/XXXX. 

There are also fees that are not consistent on each set of statements as well. 

I would like to take legal action on this matter. I am CERTAIN that this issue goes back for years as I have been disputing Wells Fargo since XX/XX/XXXX.
Nationstar Mortgage LLC is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment.
I 'm hoping somebody can please point me in the right direction regarding a problem I 'm having with Performant Recovery. I had federal student loans that were being collected by XXXX, I could not afford to pay them at the time and defaulted. In XXXX of XXXX, I spoke with XXXX XXXX and agreed to a nine month XXXX program with Performant Recovery for my defaulted federal student loans. Performant Recovery , Inc. is located at XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX XXXX 's telephone number is XXXX. After making my ninth payment XXXX XXXX, XXXX, I realized that my loans should have been sold to or bought by another lender by now. I called XXXX XXXX. The collection agent on the phone verified that I 've, in fact, made all of my payments on time per the agreement. She puts me on hold and then tells me I must talk to a loan specialist and one will return my call within 72 hours. 72 hours comes and goes and no answer. 
I have been nothing but polite and cooperative during this process as I know how lucky I am to have be in a position to rehabe my loans. But now what? Nobody will return my calls. I have to make my payments. I want to make my payments. I will continue making my payments but I also want Performant to honor the contract to which we agreed. 

Sincerely, XXXX XXXX ( formerly XXXX XXXX )
Chase double drafted mortgage payment even after confirming twice that this in fact would not occur. I had Chase pause my automatic payment for XXXX/XXXX/XXXX so that I could make the payment XXXX/XXXX/XXXX. After confirming with them twice that I would not be double drafted, both the XXXX/XXXX/XXXX transaction was drafted and the XXXX/XXXX/XXXX transaction was drafted.
Bridgecrest is reporting on my credit report as a repossession. After several attempts ( all documented ) the credit is refusing to verify the debt according to FDCPA XXXX and Arizona XXXX XXXX XXXX. In my attempts Bridgecrest has only responded with the same letter stating that I need to verify my address because they have a different address on file. 
My direct dispute attempts have been met with an illegal attempt to shift the burden of proof to me. In violation of FCRA 623 ( a ) ( 8 ) ( D ), 16 CFR 660.4 and Arizona Administrative Code XXXX Bridgecrest has made several attempts to collect the debt since receiving my letters. These attempts include updating my credit report, sending debt collection letters, and verifying false information to the credit reporting agencies.
I have contacted Nationstar mortgage repeatedly regarding getting rid of my PMI, seeing as how the property meets the criteria. They informed me that I had two 30 day lates in the last year which I did not. I had one which was not late. I paid the mortgage on time but apparently there was a change with the escrow account that I did not receive any notice for. I am trying to contest that, but they refuse to call me back. I spoke to a supervisor named XXXX XXXX initially, and have left 3 messages for him to discuss taking off that late payment due to escrow discrepancy and going forward with my PMI removal. my first phone call regarding this matter was XXXX XXXX, XXXX no one ever contacted me about initial PMI request, which is why I asked for a supervisor and got XXXX XXXX XXXX XXXX who now refuses to return my calls regarding this matter. And even if they do n't remove the one late payment, that should n't have anything to do with removing my PMI. this is just a means to get more money by continuing to make me pay PMI when the property meets the qualifications for removal. Very poor customer service by not returning my phone calls.
I am disputing Credence Resource Management .This agency has re-aged this account according to the original creditors date of first delinquency. I am not certain of the exact date of the first delinquency but this account has been illegally re aged by XXXX different companies that I have found so far. On XXXX XXXX XXXX XXXX XXXX reported this same account as being opened with a balance of {$710.00}. XXXX XXXX XXXX XXXX reported this account as opened on XXXX XXXX with a balance of {$710.00}. XXXX XXXX XXXX XXXX XXXX reported this account as opened XXXX XXXX with a balance of {$710.00} but a high balance of {$570.00}. This account was removed from my report XXXX XXXX and then added back XXXX XXXX. And Now Credence Resource Management is reporting it as opened XXXX XXXX with a balance of {$710.00}. I have never spoken with any of these companies and I am just realizing that this has been happening and that I can dispute all of this information.
On XX/XX/XXXX, 2017, I purchased a used vehicle from DriveTime. Unfortunately, after driving off of the lot, my cousin wrecked into the back with the other car. However, I was covered through my insurance and Gap on the dealer 's end, but the financial summary is not matching up to what they are saying. The car was quoted to be valued a little under 10k. I put XXXX down, but financed the remaining amount of XXXX. The loan included warranty, gps services, and maintenance service. None of which I was able to take advantage of since I had the car for only 20 minutes. My insurance is paying over 7k to cover the majority of the remaining balance and Gap will cover the rest. However, as I pointed out to the dealership, the money I paid towards the entire loan should have included many of the services I did not receive. My insurance company also agrees and advised that the dealer should reimburse me for a portion of these expenses. They have even taken a car payment from the bank they go through, which XXXX, a loan agency hired by DriveTime is behind a some of this financing arrangement. The dealership us refusing to cooperate and was extremely rude. I am left with nothing and am hoping you can help.
I 've made 24 payments of {$490.00} to my auto loan. As of today only {$430.00} has been applied to the principle.
Yes, created a dispute with Transunion, but no dispute number or response. 
XXXX The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across XXXX such plan with a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days XXXX XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Transunion to correct this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points.
Received this loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. It was for {$6000.00}. This was to be forgiven when I XXXX in a culturally deprived or low income district which I did by XXXX in XXXX Ca. and at XXXX XXXX in XXXX XXXX. The XXXX program, administered by the state was supposed to complete the forgiveness process in XX/XX/XXXX-XX/XX/XXXX or so. This never happened, in spite or many attempts on my part to contact them and have the loan forgiven. Since then the loan has been boughtand sold several times and is now in the hands of XXXX to the tune of {$12000.00}. This is utterly ridiculous. It 's been nearly 20 years that I have been paying on this loan and trying to get it forgiven.
I have been dealing with Naviant for many years. I have jumped through hoops time and time again. The last was the release of my co -signers. I did what they wanted and they still won't take them off. My loan has doubled in interest and I am paying them XXXX dollars a month and only XXXX goes to the loan. I was on a repayment plan and I was never told that it would expire. I was in the hospital getting a transplant at that time so i never thought about it. I am on XXXX and was lead wrong about that as well. It is sad that there are companies like this. I have been deceived by this company for many years. That is why i have more in intrested than the original loan. All i wanted was the release of my co-signers. I can not justify paying a loan that will never get paid off.
Hi, I used " Rural metro - Ambulance '' service on XXXX XXXX XXXX for my daughter. I provided with my insurance information to the people in the Ambulance when they took all my information but it was never cascaded down from there. Months after the service, I got a bill from XXXX of California asking me to pay the bill of {$1700.00} or Provide my insurance details. I provided them with my XXXX insurance after checking my coverage eligibility with XXXX. For almost a year, XXXX of California submitted the claim to XXXX 3 times with incorrect diagnosis code which was pointed out clearly by XXXX but yet, the same claim with incorrect code was again n again sent to XXXX by XXXX of California. Recently I got to know that XXXX XXXX has handed it off to Collection agency ( Credence resource management ). I called the collection agency on Friday ( XXXX XXXX XXXX ) and provided all my insurance details and today morning ( XXXX XXXX, XXXX ), I went ahead and did a three way calling between the insurance agent ( XXXX ) and the insurance agent in the debt collection agency ( Credence ) to explain the root cause of the problem so that they can address it and send the correct claim to XXXX. 
After my multiple discussion with Credence resource management in last couple of days, I feel that the information that is being told to them is not properly documented and cascaded across their departments. 

For instance, I provided the insurance #, address of the insurance company etc. to them during my conversation, however they mentioned to XXXX during my three way call saying they do not have any info on file. This is one of the many problems I have experienced with the Debt collection agency. Also the collection agency insurance agent tells me that I have to wait for 30 - 45 days so that they can prep all the information needed to be sent to XXXX for processing the insurance and I m worried if anything will be messed up again. 

This has become my part time job to make sure XXXX XXXX XXXX or right now the collection agency talks with our insurance company and typically both XXXX XXXX and this collection agency expects me to literally do the three way calling and just be a middle man to make both of them talk. It is extremely frustrating experience so far and I m worried how this process will even end. 

Request you to please look into this issue and reach out to me if any questions. 

Here are my details. 
Name : XXXX XXXX Creditor : XXXX Creditor Account number : XXXX Creditor Reference Id : XXXX Balance due : {$1700.00} My email : XXXXXXXXXXXX My Phone : XXXX
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove ( Original Creditor : ) XXXX
The below letters shows XXXX of many attempts to request a Hearing to dispute the parking tickets that lead to the {$490.00} being reported on my credit report. I am still disputing the tickets to XXXX. Beside the letter I have XXXX emails also sent in this quest. Thank you. 

To : The Director, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX DC XXXX Fax : ( XXXX ) XXXX I am writing you in regards to a parking issue that still remains unresolved. In XXXX 2015, I received XXXX parking tickets within an hour 's time and my XXXX XXXX was towed. I was temporarily park at a Legal XXXX parking space marked by a Sign : XXXX Parking Only, a XXXX XXXX XXXX Meter and confusing Green and White signs stating that parking was allowed between different hours. I was parked between the hours of XXXX and XXXX when I ticked and towed. I immediately contacted Parking Services, asked for the Supervisor who told me where to find my vehicle and after explaining my case. Advised me that he was cancelled the towing ticket only. I then proceeded to call the XXXX XXXX Department Directors office to explain the situation of the confusing Green and White signs, XXXX XXXX Meter and a XXXX Parking Only sign being at XXXX place. I spoke to the assistance for the then outgoing Director Assistance XXXX XXXX XXXX. I explained to her what happen and she stated that she would send a Supervisor out to the location to meet me and investigate the issue. 
To make a long story short. After sending about XXXX emails including pictures to XXXX XXXX and the XXXX Supervisor, XXXX XXXX who after I wrote to XXXX XXXX recanted his offer of cancelling the ticket? The tickets have doubled and been sent to a collection agency. I tried very earnestly to get this issue resolved. When I received the notices in the mail, I responded XXXX times by requesting a Hearing to settle the matter. I still have the emails and pictures to present as evidence. I have a legal XXXX due to XXXX and my truck did display my XXXX hanging from my rear-view mirror. On that day I was totally unaware that parking at this XXXX space which is in front of the XXXX XXXX on the corner of XXXX and XXXX XXXX XXXX was illegal during that time. 
Furthermore, as I come in to work each day I have noticed and taken several pictures during that same time of cars parked in this location, that do n't have XXXX signs and are still there for the whole entire day! 
I 'm requesting a Hearing to get this matter resolved once and for all. 
Thank you for your assistance in this matter. It is greatly appreciated. 
Below are the ticket references : Ticket Number : XXXX. /Reference Number : XXXX. / Ticket Number : XXXX Number : XXXX. 
Not sure of the towing ticket number, you may check with XXXX if does n't deny that too. 
Thank you again! 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
First off I mailed all information showing I did not live at XXXX XXXX XXXX wv. I sent everything Equifax requested for a debt that was not miNE The address is still listed. Next I sent in complaint about accounts being re added to repors. Everything in my consumer complaint i mentioned. Equifax added it as a person quote thing on my credit report for potential creditors to see, I did not ask that it be added. Equifax has completed your dispute for Confirmation Number XXXX.