WillisBack/dataset-financial-user-claim huggingface dataset:
ever since we moved to Florida in XX/XX/XXXX we have been living at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fl.XXXX in XXXX I had a XXXX XXXX done, and in XX/XX/XXXX I XXXX XXXX found out that they were some XXXX XXXX by some of out tenant, I went to the main office and question their staff and was told that is was true. I asked them if they were going to take the to court to remove them from the complex and I was informed by the staff that they were going to wait to their lease was over and terminate their lease, so I felt that XXXX XXXX XXXX was not thinking of their other tenants. they were placing my life in danger, I did not renew my lease and moved out in XXXX XXXX XXXX. they placed me with a collection agency Hunter Warfield to collect and extra month because I did not tell them that I was moving from the complex before my lease was up in XX/XX/XXXX. the collection agency placed my account with the credit bureau before they contacted me. 
I had been sending XXXX a month for the last ten months and now Hunter Warfield informed me that my payments were not enough and they would send it to their legal department. 
what recourse do I have as a consumer. 
Sincerly XXXX XXXX
XXXX - I financed XXXX XXXX XXXX XXXX from XXXX XXXX XXXX via American Honda Finance, ( 72 month lease 15 % APR ). My credit score at the time was between XXXX. I traded in XXXX XXXX XXXXXXXX XXXX. XXXX - CFPB ordered American Honda Finance to pay XXXX XXXX dollars to borrowers discriminatory lending practices. I contacted the CFPB hotline to inquire, and was advised further information would be available in the coming months. XXXX - I was contacted by XXXX XXXX XXXX about refinancing my vehicle and/or trading in new vehicle. When I arrived after review from finance team, I was told I did not qualify for refinancing. I then provided the agent a copy of the CFPB consent order. The agent went to his colleague, came back and acknowledged the consent order, and was advised that if my monthly payments can be dropped from XXXX to XXXX after 3 consecutive months of on time payments. XXXX - CFPB posted article outlining steps to follow to participate in the settlement ( link : https : //www.consumerfinance.gov/XXXX ). I sent info to the administrator, but received a response letter stating that I was not affected customer of the settlement. Even though the XXXX interaction seemed to acknowledge that I was an affected customer in the settlement. XXXX - Received an notification of default letter via non-certified mail for the full balance of the loan. I made previous attempts on bringing my account current, but their threatening nature about the status of the loan had me very apprehensive about contacting them up to this time.
I had a mortgage loan with chase that was originally XXXX of the toxic loans from Washington Mutual. I applied for a loan modification from Chase XXXX times. The last time, I started the process in XXXX, the Customer Assistance Specialist kept asking me for more and more papers, and never sent anything to underwriting, finally at the end of XXXX, they sent it to underwriting and the loan was sold to XXXX. It appears a decision was about to be made and everything stop ... Chase told me that XXXX would continue with the information Chase had given them, but that is not true ... I was told by XXXX that I would have to start all over and provide all information again. 
Chase never notified me of the sale and the Customer Assistance Specialist did n't know that the loan was sold. When I called Chase today they gave me the info. 
I feel that a decision would have been reached by Chaseif all my info had been sent to underwriting in a timely mannner and the Customer Assistance Specialist was negligent in getting my info to them. She just kept delaying and delaying.
Jh portfolio sold a account to XXXX XXXX for XXXX and XXXX XXXX this fraudulent account needs to be remove from my credit report I never had a account from XXXX XXXX and this is fraudulent
On XX/XX/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from XXXX XXXX  ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called XXXX XXXX  and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call XXXX. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.
On XX/XX/2018 I wrote to Experian ; XXXX  and XXXX  credit reporting bureaus ( see attached letters and proof of certified delivery ) informing each that they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed them that I have attempted to contact this company but the contact information stated on my report is incorrect. 

I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This is over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. 

I have received no response from any of the bureaus regarding my dispute regarding the non compliance of the collection agent although I sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX  XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. 

The bureaus have failed to comply within the 30-45 day time frame and to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.
I have been attempting to make payments on loan sequence 3, the company will not work with me in reference to getting an affordable payment. AES continually says they are reaching out to XXXX with no response, in the waiting period it is destroying my credit because they have not been working with me to accept an affordable payment. I have been trying to get an affordable payment since XX/XX/2017. I have called numerous times and send in letters. The managers from AES never call me back. I am looking for help.
I canceled my XXXX XXXX Policy on XX/XX/XXXX and started my XXXX XXXX Policy on XX/XX/XXXX. XXXX XXXX did not cancel my policy and sent a final bill due to a collection company.. I spoke to the collection company and explained to them that the policy was cancelled and provided the collection company my declaration page showing credible coverage. They stated that this was going to be reported to all 3 credit bureaus and that I need to pay the bill.
I have XXXX prior Capital One Credit Cards showing on my credit report as past due. I called capital one and told them to send me statements, which they have not done. 

I would like them to remove these from my credit report permanently, as I do not own these accounts anymore. My credit score has been completely destroyed due to these misreported items and failure for Capital One to send me any details.
We had a loan modification put in place XX/XX/XXXX that expired XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX and the lender determined the monthly payment of {$1500.00} and the term ending in XX/XX/XXXX. This was not a re-modification but the remaining loan conditions. 

A transfer of loan servicing companies occurred during XX/XX/XXXX with payments due to the new company, BSI Financial Services, in XX/XX/XXXX. Timely payments have been made with the old servicing company as well as the new servicing company with all terms staying the same. 

As of today 's date, no XX/XX/XXXX statement is available ( usually mailed and nothing is online ). To our shock, the online account information shows the XX/XX/XXXX payment due of {$5200.00}. 

Why and how can a new loan servicing company just change the payment? Do we have to wonder if we can stay in our home every time a new servicing company is hired? 

The main issue is how do they have the legal right to change our loan? The modification period was over XX/XX/XXXX. The remaining rate and terms were decided at that time. Since that decision we 've made all payments on time. Nothing else has changed except a sudden change in our payment without notice, without a statement, without a reason, and besides all of that, about a 16 % interest rate. 

Notices from both servicing companies that announced a new Servicer will be collecting the loan payment state " Nothing else about the mortgage loan will change. '' Per BSI Financial Services, we can not make our normal payment of {$1500.00} because it will only be put into the " unapplied funds '' account. Only {$5200.00} will be accepted. 

So we not only have an invalid ridiculous payment change but now our good record and credit are in jeopardy since we can not make our valid mortgage payment. 

As XXXX XXXX barely making ends meet, we do not need this duress and stress. 

There is absolutely no reason for the new servicing company, BSI Financial Services, to change our loan terms, and even if we were n't seniors, this is outrageous.
I contacted movement mortgage and was dealing with a lIan officer by the name of XXXX XXXX. he told me once I get my credit score so at least a minimum score of XXXX I can move forward well when he pulled my credit on XX/XX/XXXX I had a credit score of XXXX being my middle score. So on this past Monday I submitted all of my documentation its far as my income and XXXX told me on Sunday to allow him until Wednesday for him to work his magic and XXXX give me my approval he told me I was looking at getting approved for XXXX so now is something totally different he has been dancing around it now he said he cant get it approved is very unprofessional very unprofessional and Im filing a formal complaint not only against movement mortgage but also against the loan officer because he fed me a bunch of lies. When I first met with him on the phone I told him I was in credit repair and I signed up back in XXXX of this year he told me if he can get a letter of explanation we can move forward now again its something different
I called diversified Consultants to understand why the report was not removed and they stated based on there contract with there companies that they are only obligated to report it as paid in full but not removed from the report. I was not informed that that it wouldnt be removed from the report. Just that it was reported as paid in full. Which I feel was miss leading of words and wasnt correctly informed to me. The rep I talked too has the power to remove it but because it wasnt stated in my original conversation when the acct was paid he said he would not have it removed from my report.
In XXXX XXXX, I had my identity stolen and a number of accounts were opened in my name. I realized this when XXXX applications called me asking if I had applied for a credit card account. All of the accounts that were opened, were new accounts. I filed a police report on XXXX/XXXX/XXXX to make sure I protect myself and to open an investigation into the identity theft. In XXXX XXXX, I realized there were also purchases on my in-store Macy 's account. My credit card had not been stolen, and was still in my possession. The receipt image shown on my Macy 's account stated that my account information was looked up at point of sale with a Driver 's license XXXX CA. Unfortunately, this is not my Driver 's license number. I opened a claim through Macy 's fraud investigation in XXXX XXXX and submitted a statement of fraud, the filed police report, and a picture of my driver 's license. Macy 's fraud finally provided a decision XXXX XXXX stating they denied my claim and will not reverse the fraudulent charges on my account. I 've done everything they 've asked and provided substantial proof, however, still can not get this issue resolved. All the other accounts opened in my name were immediately closed out by the other companies, XXXX, XXXX, XXXX 's XXXX, and XXXX XXXX. Macy 's, the only one I actually hold an account with, is the one that has been the hardest to dispute. I also noticed on consumer affairs that I am not the only one having an issue resolving fraud on my account. There are various complaints about the company and I found many fraud complaints that are similar to my situation. XXXX
XX/XX/2017 All listed below are the rest of the agencies that ran a credit report without my authorization from XXXX XXXX XXXX. One agency was able to prove that another person was using my Social Security number. Other agencies I have contacted have resolved this matter except these agencies listed below.

Huntington National XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no clue about these agencies and sure enough never got a letter from these places to why they are on my credit report. All dates leads back to XXXX XXXX XXXX ran on the same day.
I have several inquiries on my credit report that do not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX
I have a new phone and also registered my number w/Do Not Call.gov. I get an inordinate amount of calls from the following phone numbers ( all from the same company ) asking for ( probably ) the former owner of my new phone number. I called this company XXXX times and spoke to different employees, explaining above & asking them not to call again. Apparently their employees are XXXX or incapable of removing my number. I even added my last name to my voicemail message, to no avail. ( They keep asking for a XXXX.I am not wasting any more time calling these XXXX. They most often leave hangups. ONLY other calls are automated. 
If you can help me I would appreciate it. thank you
I received a letter from SELIP & STYLIANOU , LLP XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX, stating that I owe {$920.00}. Multiples companies have attempted to collect various amounts of this debt for about 15 years. The account was entered into judgement and was never served papers. Easily verifiable through the postal system. About 10 years ago, one of XXXX XXXX XXXX 's collection agencies withdrew about {$400.00} from my XXXX XXXX   account. At that time, I contested the validity of the debt and they're fraudulent practices against me and the banking industry. I never received a response. Now, in 2018, I receive another letter from XXXX XXXX XXXX certified mail that I owe {$920.00}. They have filed a court complaint docket no : XXXX and threatening to levy my wages from my employer. This is extortion and needs to be investigated immediately. Their bully tactics and predatory practices have gone on too long. This is my last hope before I contact a lawyer.
My property is located in XXXX XXXX Indiana. Taxes are due twice a year ( XXXX and XXXX ). At the beginning of XXXX. I realized they still had not paid my XXXX installment so I sent an email requesting it be paid. I received a generic response stating " we will pay it by the economic loss date ''. At this point the taxes were late and a 5 % penalty was due. They were also escrowing for the incorrect amount which caused me to have a surplus once the taxes were actually paid. They completed my escrow analysis on XX/XX/XXXX using the higher amount so I requested that the loan be re-analyzed due to the surplus and to reduce the amount of escrow for the coming year as they were escrowing {$300.00} more then necessary for the 2nd half taxes which is about a $ XXXXmonth difference in my payment. Arvest is not responding to emails I have sent requesting it. It is now XXXX and my first request was sent on XXXX. Since this is now the 2nd year in a row I have had to provide tax documentation to my mortgage company when it should be their responsibility to manage it properly and they are not fixing my account or responding I am now asking that you intervene on my behalf.
XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX ,  XXXX  and Equifax reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report.
I have as well as, XXXX, XXXX and XXXX has contacted Bull City Financial over 20 times since XX/XX/2018 about a account for {$510.00} that is not mine. I have never had an account with this company, nor have I had one with XXXX XXXX. On XX/XX/2018 I also filed disputes with the 3 credit bureaus. On XX/XX/2018, XXXX completed its investigation and found out that it was not mine and they removed it form my credit report. I called them back with this information and they continue to say it is mine after they admitted to XXXX that it isn't mine. But they still refuse to remove this false account from my XXXX and XXXX XXXX reports. This account has been proven to not be mine as well as fraudulent. I'm escalating this complaint because when I call them they are really rude wouldn't let me speak to a supervisor, who they blind transferred me to and went straight to a no name voicemail. Can you please help me with this? I have uploaded a screen shot of the notification from XXXX showing that it was removed by them, Please help me.
In XXXX 2017 American Express did not explain policies with green card ... only being told there is no " credit limit '' ..when I asked the representative what would be my monthly charge? The representative said you only have to pay off what you spend..I then asked what if I 'm unable to pay it in full, will I be able to pay it monthly? The representative responded yes! You will only be charged {$27.00} late fee. I also asked will I be hounded? Will this effect my credit? The representative stated " only if you make absolutely no payments, which will have to happen constantly! " .... will in XX/XX/XXXX is was brought to my attention by repreated harassing phone calls stating I need to pay it all now!!! I would receive approximately 3calls a day. I finally spoke with a supervisor, after being told by a rude respresative " just pay your bill '', the supervisor apologized for being misinformed. He also assured that I would not have any issues moving forward. Within the same week both my American Express green card/ and regular American Express card were suspended ... I called to speak with another representative explained that both of your accounts are suspended due to none payment ... which was untrue ... paying over {$900.00} to both cards within a 2 month period. Also being charged late fees ... I requested to speak with someone in corporate ( with no call back to my several complaints and concerns ). Which has now resulted in a derogatory mark on my credit report!! Also to able to reactive my card I must pay {$780.00}, only {$410.00} is due ... my other card which has been paid nothing due
My name is XXXX XXXX SSN XXXX, DOB XXXX/XXXX/XXXX. There are about 40-50 inquiries on my credit report if not more that I DID NOT authorized, i contacted the creditors and they told me to deal with Experian which to this day all they say is inquiries are valid without even investigation, I noticed all of these inquiries appearing after the data breach, and I need to have all inquiries removed right away. I did n't authorized the inquiries and they were not made by me, I am only supposed to have like 2-3 inquiries. I 'm not sure if Experian has have any hacks or anything but they are not mine, I do not want to hear a resolution saying that the inquiries are going to stay and that they are valid, ACTUALLY INVESTIGATE AND REMOVE ALL INQUIRIES.
Meridian Financial Services Inc refuses to issue out to me legal documents.So I can verify the debt and my signature.I am requesting a deed and legal documents pertaining to the acct # XXXX.I have spoke to a XXXX XXXX XXXX.The Account Mgr for this account.All they keep telling me is that they sent it out the infoI haven't received any info on the account.I am requesting that this account be removed from all 3 credit reports.I am requesting that this be sent back to the resort for fraud investigation.This isn't my time share.There is my debt.This is a grave violation of FDPA and the FCRA.Meridian is not trying to help me.
On XX/XX/2018at XXXX  I received a phone call from XXXX XXXX XXXX XXXX. At this point in time we negotiated a payment plan of {$50.00} a month by paper check for 8 months until the debt is payed off, and to send me a bill each month. They agreed to the terms and I sent them the first payment. Since that point they have called my over 15 times, and have not sent me bills as per our agreement. They have cashed the first payment yet they still refuse to stop calling me. I have notified them when I sent in the payment that they were harassing me with non-stop phone calls in a letter I attached to the payment and the continue to persist in this harassment, abuse and annoying repeat phone calls from number XXXX  attached below is a list of my call log you can see for yourself how many times they have called me since the XXXX, sometimes multiple times per day ... repeated harassment
For the past two months I have been late paying my credit card bill because when I try to make the payment I can not access them on line I have tried in three different computers and networks and the site times out. When you call them they make you pay a fee to pay your bill. It 's getting out of hand because this causes me a hardships with penalties and late fees. I have paperless billing now so I have no idea what is going on with my account. My credit is at risk, they need to have the site fixed and stop denying that it 's the user. There are people on the internet that is having the same issues. ppl I do n't know. XXXX XXXX XXXX XXXX XXXX
I am applying for a house mortgage, and I was not able to get my credit report from Equifax. I called them and they said that they don't have my information on file. They even blamed credit card company not send credit report to them, which is not true based on my research. This has caused a lot of trouble for me. The delay of house mortgage application may bring me huge financial loss.
Hunter Warfield Inc. claims that I owe them according to my credit report. However when I called to pay it, they said I dont owe anything. The amount is {$140.00} owed and {$110.00} is the balance. The date of report is XXXX XXXX, 2012. 

Please help, your time and effort are appreciated.
I received a copy of my credit report and I notice I have a few accounts that are too old and I want them to be remove from my credit report. Please remove these old accounts from my credit report XXXX  XXXX XXXX XX/XX/XXXX (  12 years ) XXXX XXXX   XXXX XX/XX/XXXX ( 10 Years ) XXXX XXXXXXXX XX/XX/XXXX ( 11 years ) XXXX XXXX XX/XX/XXXX ( 8 years )
Having issues linking checking account from TD Bank through third party apps on my phone to manage my accounts. ( XXXX, XXXX XXXX ) error received that TD Bank is blocking applications.

Called TD bank spoke to a rep and that stated that they cant help. That they are not blocking anything. However upon searching online I see similar occurances from other consumers. With similar investigation apps such as XXXX, transactions not getting posted, or issues verifying account information. 

Accessing TD Bank online works fine except when trying to link separate accounts. 

Issues have been going on for about two weeks on my end and I called and spoke to the bank rep on todays date X/XX/2018