WillisBack/dataset-financial-user-claim huggingface dataset:
My student loan was sent to a collection agency in XX/XX/XXXX. 
I have been making $ XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called Transworld Systems , Inc., the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my XXXX, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now. 


On XX/XX/XXXX, I received a letter from Transworld Systems , Inc, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told Transworld, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just XXXX month of no payment since outrageous. Further, it is unclear if XXXX XXXX, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case.
I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. please let me know if you can assist me with getting these item removed from my credit report. 




Inquiry Date XX/XX/XXXXRemoval DateXX/XX/XXXX Business Type Complete dept. stores Contact Information None provided XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
I closed on my home -- a new property, qualifying for a 10 year tax abatement -- in XX/XX/XXXX. At the time of close, it became apparent that the closing company had forgotten to account for my tax abatement on some estimates ( causing me to pay a couple thousand additional dollars into my escrow account at close ). I was assured that this could be worked out with my mortgage company after closing.

My mortgage was sold to Fifth Third Mortgage Company in early XX/XX/XXXX. I promptly submitted an inquiry re : the escrow amounts on XX/XX/XXXX. Not only did I have the excess in escrow from closing, I also had to pay an extra ~ {$300.00} a month for my mortgage, so I was eager to resolve the issue as soon as possible. 

In response, Fifth Third opened an issue and informed me that they would respond in 15-25 days via mail. 

This delay was frustrating to me, as I hoped I would be able to provide legal documentation of my tax abatement right then. I asked if I could speak to someone from Fifth Third Mortgage Company directly. They said no. 

In early XXXX, I received a response in the mail, indicating that they needed further evidence of my tax abatement. I immediately faxed over a copy of my stamped document affirming my property 's tax abatement aside the letter they sent me. I followed up this fax with an online message to confirm the receipt. Again, they indicated they would respond in 15-25 business days. 

Today is XX/XX/XXXX, and I have still not received a response. My monthly mortgage bills are hundreds of dollars higher than they should be, and I am owed thousands of dollars from closing three months ago. I sent a message explaining that my promised response was missing and that holding excess in escrow is a violation under RESPA. They responded to tell me to contact customer service over the phone -- despite the fact that they told me earlier there was no way to contact a Fifth Third Mortgage Company rep directly over the phone.

I am completely frustrated with this situation and the way I've been treated by the Fifth Third Mortgage Company. 

I've attached screenshots of all my correspondence, as well as the evidence of my tax abatement ( as faxed over on XX/XX/XXXX ) and screenshots of my account info and activity ( taken today, XX/XX/XXXX -- showing the escrow balance vs escrow disbursements & monthly fees ).
In XX/XX/XXXX, I submitted an application for a HARP refinance. After Citibank dragging it out until XXXX of XXXX by continuously asking for more information weekly, I was denied because I could not show enough income possibly because I am XXXX XXXX. At that time, I told my " Homeowner Support Specialist '' XXXX XXXX that my girlfriend lived with me and he said that was good news and that we should submit her financial information. We did that immediately as requested. Since then I have made several phone calls to inquire about the status of my application only to spend hours on the phone receiving the run around. Usually I get cut off or I finally give up holding. I am still making payments when I can and would like this resolved. I am hoping that you can help.
I apply for capitalone credit card I was approved then when I get it and when I activated it say it 's frodglent it happen twice ... and when it to type my last 4 digit of my ssn it say it not that wright number
Ive have called them several times to tell them to stop calling me but they just harass me over the phone with inappropriate comments ... .then after i hang up and threaten them with a harassing complaint they proceed to send me numerous emails ...
On XX/XX/XXXX, we purchased 2 cell phones from a XXXX XXXX retailer, XXXX XXXX. The sales representative, XXXX XXXX, sold us a bundle package for 2 cell phones, 2 tablets, 2 virtual reality headsets, a XXXX XXXX device, a XXXX XXXX, and other cell phone accessories. During the purchasing process four additional lines were activated with a 2-year agreement on each. XX/XX/XXXX, we decided that we no longer wanted the XXXX XXXX device and we contacted XXXX to terminate the attached line of service ( XXXX ). XXXX informed us that we would be liable for a charge of {$100.00} for early termination, which we agreed to and paid XXXX XXXX for. On XX/XX/XXXX, we received a collection letter from Aldous & Associates regarding a collection attempt on behalf of XXXX XXXX for {$20.00}. I contacted XXXX XXXX to inquire if they had any outstanding charges on our account and we were informed that our account with XXXX XXXX was current with no outstanding charges. Afterward I contacted XXXX XXXX, the sales representative said that he could not consider the matter and that I would " have to physically come to the store and speak to the manager tomorrow between XXXX XXXX and XXXX XXXX. '' I then contacted Aldous to inquire what the outstanding charges for the collections were for and they told us that XXXX XXXX charged us a bill of {$20.00} for breach of contract for early termination on the XXXX device. We asked the collection agency why did the retailer not notify or send us any correspondence regarding the issue before this collection letter? They responded that " XXXX XXXX feels like this is more effective. '' Therefore, I was not afforded the opportunity to correct the alleged charges before my credit is at risk of being damaged. Additionally, I reviewed my signed Sales Agreement with XXXX XXXX and there are two sections regarding agreements to the policies. The first section states the Early Termination Policy in which we honored with XXXX XXXX. The second section is regarding policies with XXXX XXXX, which I was not asked ( and I did not ) sign. In the second section, it explicitly states that " I have obligations to XXXX XXXX that are separate from my obligations to XXXX. '' It continues with another early termination policy allowing XXXX XXXX to recover payment. Again, this second section is not agreed upon and I was not asked by a sales representative to sign it for the sale.
My husband and I were supposed to close on our home in XXXX, FL on XX/XX/<YYYY> An email was sent by, who we thought was our realtor, to my husband 's email address with the wire information : Bank Name : XXXX, XXXX, XXXX, PA XXXX Account Name : XXXX, XXXX Account # XXXX Routing # XXXX We transferred the monies over to that account at around XXXX ( give or take ), at which my loan broker XXXX me with the realtor stating that, that email was n't from her. I immediately contacted BoA to put a stop and filed a claim on this transaction. The wire amount was for {$26000.00}. 
On XX/XX/2016 the claim was closed because BoA had the claim open as a " check fraud '' claim. 
On XX/XX/2016 we re-opened the case to the correct claim. 
My broker 's risk XXXX has been in contact with BOA, XXXX, the FBI and we did file a police report as well. 
Apparently, XXXX has the funds stopped. BOA, and XXXX are not communicating with each other properly and everything has been on a hold since XX/XX/<YYYY> The closing was extended for a couple of days being that if the funds were stopped and if everything went well, we would have those funds back immediately, and we could close on our house. 
As of today, XX/XX/2016, BOA sent numerous attempts to collect the monies back from XXXX, and now were are at a stand still. 
On XX/XX/2016 XXXX emailed BoA back regarding the monies. 
On XX/XX/2016 BoA stated that we were in good standing with BoA and XXXX and everyone was cooperating. 
On XX/XX/2016 BoA told us that XXXX denied the request and BoA attempted to close our case.
I requested a payment deferral for XXXX payment. The customer service rep was helpful in doing so. I paid the interest as they required. In XXXX I noticed my bill was past due. I called and spoke to another rep. He informed me I had to submit a letter stating why I needed the deferral. I did as he asked. I also explained to him I was never informed. XXXX statement is received and the account is current. I am in the process of buying a home so my credit was pulled and it shows that my account was 34 days past due for XXXX. I called to get an explanation onto why this happened and was told my deferral was processed for XXXX when the letter was received and it was not credited to XXXX as it was supposed to be. Now my home loan is going to fall through and I already submitted my cancelation of lease and will be out of a home come the end of XXXX. All of these conversations happened over the phone. No emails were sent by the company or any documents in the mail.
THE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , AS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   AS TRUSTEE, FOR THE CERTIFICATEHOLDERS,   XXXX   XXXX  , MORTGAGE PASS- TROUGH CERTIFICATES SERIES Mortgage on  XXXX / XXXX 2007 with a loan amount of   XXXX   for 360 months at 7.250 % interest rate.
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Grievance Notice under Clause 20 of the Deed of Trust/Mortgage & 12 C.F.R. 1024.35 Loan ending in  XXXX  I am writing to report my grievances regarding the mortgage transaction involving my property.
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The grievances are as follows ; 1. Deed of Trust may be void, or avoidable in bankruptcy.
2. Fraud in creation of stated income, unconscionable debt ratio and inability to repay.
3. ECOA violation failure to take written application.
XXXX XXXX  on behalf of Clarity Services appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with XXXX   and Clarity Services to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and XXXX and XXXX XXXX. There seems to be a pattern with Clarity Services on my credit report I'm opt out for promotional or marketing on my credit file. XXXX  seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.
Following death of parent in XX/XX/2014, I have attempted to receive remaining funds in her Bank of America checking and savings accounts. Bank of America has repeatedly demanded further " proof '' of my eligibility to receive these funds, and in phone conversations has repeatedly assured me that all was in order and that a check would be sent to me " within 15 days. '' No such check has been forthcoming.
Received multiple calls last week and each time I answered the phone, the person would hang up. I called back several more times and after getting the man on the phone, he told me there was a problem with the calling system. He finally told me who he was and that he was calling about a debt that occurred in XXXX for {$150.00} ( co-pay ). He became very hostile and said I needed to pay my XXXX bill. After asking to speak to a supervisor, he hung up on me. I called back three more times ( each time resulted in him hanging up on me ) until he finally put me on the phone with a supervisor ( she assured me he would be disciplined for his behavior ). I did make a payment arrangement for XXXX of the bill because I felt like it had already been paid but was told that my credit would be affected if I did not " handle my business like an adult ''. Since then, I received two more phone calls from XXXX different companiesXXXX claiming they are calling to recover the same {$150.00} for the same XXXX account. I called XXXX and asked to speak to the supervisor over billing. I was told that first of all, they did not know why a company would be trying to collect on a {$150.00} account from XXXX plus years ago and that they ( XXXX XXXX felt as if it was a scam. She advised me to call and cancel my transaction with Alliance Group and Associates because the only thing they showed in their archives was a {$50.00} co-pay that had been taken care of years ago. I did as they suggested and called Alliance, only to be spoken to by XXXX in a hostile and belittling manner. When I repeatedly told him I wanted the transaction cancelled and documentation showing the cancellation, he very rudely asked me did I want to, " handle things my way or the right way?!? '' and finally put me on the phone with his supervisor. She advised that the transaction would be cancelled but would not send me any supporting documentation, though I asked several times for something in writing. Alliance repeatedly called my elderly parents home, harassing them and even called my former in-laws, who I had not spoken to since XXXX, and left hostile messages on THEIR answering machine. This company is highly unprofessional, unethical and I feel almost criminal in how they do business. Even the hospital said they have no idea how, 15 plus years later, they got a hold of my account information. In closing, both XXXX and his supervisor, XXXX, threatened to have to, " call the original account holder that purchased my account and tell them I was uncooperative '', saying I was setting myself up for legal problems.
CFPB File XXXX was filed regarding unlawful collection practices by : Enhanced Recovery Company, LLCXXXX XXXX XXXX, Florida XXXXIn their response to the CFPB complaint, in an excerpt of the company 's representative response was as follows : " Additionally our agency has submitted a deletion request will all credit reporting agencies with the account and our office. The confirmation of this request is XXXX. '' This document is attached. 

However, as of this date ( XXXX XXXX, 2015 ), the credit reporting agencies continue to report this matter on my credit files. 

As there are XXXX Credit Reporting Agencies, and Enhanced Recovery Company gave only XXXX confirmation number in their response, it seems there is a willful and malicious attempt to deceive both the CFPB and myself. 

In order to remove the report from each of the XXXX credit reporting agencies, XXXX confirmation numbers would be required. These files can be removed immediately without delay by a company that wishes to remove them. The Credit Reporting Agencies simply report the information reported to them and are required by the FCRA to immediately remove any information as directed by the firm that files the erroneous, or wrong report. 

I am asking that the CFPB impose sanctions on Enhanced Recovery for their deceit in removing the file as they indicated in their correspondence regarding the above listed file.
Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( XXXX, Experian, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Repeatedly, since and before XXXX XXXX, TRANSUNION has refused to comply with applicable federal law by providing the proof they are required to have on record regarding requests for my credit history. I have demanded that TRANSUNION provide the ( 1 ) method of verification TRANSUNION utilized and the ( 2 ) name and address of the furnisher to whom TRANSUNION sumbitted its dispute investigation and from whom XXXX received the investigation report. TRANSUNION has continuously refused, failed, and ignored my demands for TRANSUNION 's compliance with federal law. Instead, to my detriment, TRANSUNION has and continues to assert erroneously that the XXXX CNTY COURTS is responsible for furnishing the derogatory public record information. Personally, I have discussed at length with the XXXX XXXX CLERK OF COURT and have been advised in writing and verbally that the neither the OFFICE OF THE CLREK nor any court, municipal, state, federal court makes any reporting of public record to a credit bureau! Hence, TRANSUNION is a XXXX defamatory liar! As recently as XXXX XXXX, XXXX in TRANSUNION File # XXXX, TRANSUNION is still reporting a RELEASE OF TAX LIEN on my consumer credit report while trying to sell to me credit score subscription and other consumer credit reporting services. TRANSUNION is aggressively continuing to report this unverified, invalidated derogatory public record even though I have successfully had applied to the consumer records maintained by XXXX, a permanent freeze. TRANSUNION 's lies about having having verified the the reporting as accurate is a XXXX lie!
I contacted Equifax on XXXX XXXX, 2017 informing them that XXXX XXXX XXXX had pulled my credit report without my authorization. Furthermore, XXXX XXXX XXXX also pulled ran a credit inquiry with XXXX XXXX and XXXX XXXX. Again, I have never had any dealings XXXX XXXX XXXX. I requested these hard inquiries be removed from my file with Equifax. Equifax informed me they could not remove the inquiries and I would need to contact the companies directly, which I did. XXXX XXXX XXXX found no record of any transaction I ever had with them but being the unscrupulous company they are ( an F rating with BBB and revoked status ), they still have not removed the inquiry either. XXXX XXXX stated they had a record of an inquiry from XXXX XXXX at XXXX XXXX XXXX, so they could not remove the inquiry, XXXX XXXX XXXX would need to do so. So I am getting the runaround from everyone.
XXXX XXXX XXXX credit card was sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to XXXX XXXX. It was XXXX XXXX who settled my account with me, comments on my account should be paid and settled account. Paid charge off.
XXXX XXXX XXXX - XX/XX/XXXX XXXX Salesperson misrepresented information, saying it was 30 day trial and could cancelled any time without penalty and also failed to disclose terms with respect to cancellation. When called over phone to cancel, was told it was only 3 day trial. 

XX/XX/XXXX Notice of Cancellation email was sent to XXXX XXXX XX/XX/XXXX XXXX Removal of equipment XX/XX/XXXX FBCS Debt Collecton mailed stating I owe {$1600.00}
I was behind one month ( actually 15 days ) on my mortgage and was working to catch up that 15 days. My mortgage company SPS sent out some one twice to see if I was still living at my home ( cost XXXX a visit ) and sent letters threatening foreclosure and short sale over only being officially one month behind. This is a loan owned by XXXX XXXX XXXX. My XXXX was behind an equal amount of time but owned by a different resource and I received no such letters or threats. I see this as bullying and fee gouging.
I checked my XXXX credit report today, XX/XX/XXXX ... I saw that there was an account from HARVARD COLLECTION SER ( XXXX ) and I have never received a written notice of them attempting to collect the debt. 

This is a clear violation of the FDCPA as they have to let me know within 5 days of acquiring the debt that I owe them, and this has not been done. 

I have disputed this item already with a previous debt collector as I am not familiar with the amount in questions.
Transunion & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. XXXX has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, Transunion, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Transunion customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX