WillisBack/dataset-financial-user-claim huggingface dataset:
Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXX XXXX XXXX, XXXX, SC XXXX bear on this situation. I have had an ID fraud XXXX information breach and an inaccurate loan for Nationstar came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on XXXX. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and Nationstar attempted and illegal active service XXXX XXXX to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX County Commissioner sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.
portfolio recovery associates is stating I owe several debts. The first debt is in the amount of {$390.00}, the second one is in the amount of {$630.00} and the last one is in the amount of {$520.00}. I have repeatedly disputed those claims several times via mail, XXXX XXXX, and XXXX XXXX XXXX because these are not my debts and fraudulent activity with the accounts. Portfolio recovery associates also restarted the clock on two of the accounts from XXXX to XXXX. I have only received letters from portfolio recovery associates regarding the debt of {$630.00}. Which I do not own that debt either. The first letter was suppose to be verification of the debt but it was not verification only bill information. I have not received anything for the other 2 accounts at all. Every time I dispute them they add a different remark on my credit as to why they did not delete the account. The last 2 times I disputed them I havent heard back for them on either of the accounts. I do not have a contract with them and I do not own either of these debts. I am also currently disputing them again.
I keep contacting you regarding fraudulent activity through my XXXX credit card. In the fall someone managed to change my address to XXXX Florida while trying to steal my identity and this card. I have spoken to the credit card company on XXXX XXXX, 2016 as they kept reporting this address as my new one even though they are the ones who notified me there was a problem with my account. They canceled my card & issued a new XXXX. They have supposedly updated it in their system and were supposed to fix it with the credit bureaus, yet it keeps appearing on my credit report, especially on EQUIFAX. Please correct this!!
I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. I just settled with another company about the same inquiry and they found that I didn't authorize the use of my information for a car and I already have a car with with.
Lender has contacted my employer several times. lender is also coming to my work harassing me and other co workers.
I tried several times in XX/XX/XXXX-XX/XX/XXXX to open a checkings account, and to my acknowledge i was unable to open a bank account because they were previous accounts open up in my name, that i was unaware of. My identity was stolen in XX/XX/XXXX, but apparently many things were opened, received, and borrowed under my name. i requested a report from XXXX XXXX, and to my knowledge these accounts does not belong to me. Please help me
In XX/XX/XXXX and XX/XX/XXXX, I hit a financial rough patch. A lot of this was due to unstable income due to XXXX XXXX  jobs I was performing. In XX/XX/XXXX, my car was repossessed. I quickly redeemed the repossession and had my car back within 72 hours. 

For 7 years, this haunted my credit report. In XX/XX/XXXX, I was giddy that the FCRA enabled this mishap to no longer limit my financial freedom. 

However, it required a complaint with the CFPB on XX/XX/XXXX to get the auto lender to respond on XX/XX/XXXX to me and the CFPB with : XXXX XXXX will honor ( my ) request to remove the redeemed repossession comment from his credit report. We asked XXXX XXXX to allow up to 30 days for the update to be reflected in his credit file. 

As of XX/XX/XXXX, this information was still present on at least one of my credit reports ( Equifax ). I have filed complaints with Equifax to no avail. 

The FCRA provides for this information to be removed from my credit reports. It has been removed from at least one and hopefully after this complaint from all 3.
On XXXX XXXX, XXXX, I entered an agreement for Transworld Systems , Inc. to accept temporary monthly payment arrangements of {$5.00} ( due the XXXX of the month ) in conjunction with my request to participate in the XXXX XXXX XXXX XXXX XXXX program, as authorized XXXX. I received letters from the company dated XXXX XXXX, XXXX and XXXX XXXX, XXXX ( was received via email as an e-notice on XXXX XXXX, XXXX and XXXX XXXX, XXXX ) of my authorization for the company to deposit the amount of {$5.00} on XXXX XXXX, XXXX. As agreed, the amount of {$5.00} was debited from my XXXX XXXX XXXX Checking account by Transworld on XXXX XXXX, XXXX and posted to my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX ( letter dated XXXX XXXX, XXXX ), I received an e-notice from Transworld Systems , Inc stating that I agreed to send payment in the amount of {$5.00}, due on the XXXX of the month, and that the payment was due and not received. This company is requesting that I send a current balance of {$22000.00}. I contacted the company on XXXX XXXX, XXXX to resolve this issue as well as visit the website listed, XXXX.com to file a complaint, however, in order to file the complaint I need to enter the registration code which has not been provided to me in any of the Transworld mail correspondences. Currently, 15 % of my biweekly wages are being garnished.
I have been in pursuit of a home modification to my Bank of America serviced mortgage which is also an FHA mortgage since XXXX XXXX. BOA has consistently disallowed my attempt to resolve the deserving modification. I have been vigilant with monthly payments that are inclusive of my escrow and 31 % of my gross income since XXXX XXXX. BOA has brought in a third party and they keep denying that issue. The third party is a collection agency that went under the name of XXXX. In the most recent trial payment that BOA offered the contract stated third party fees would be included in this long term mortgage thru XXXX. I am a XXXX person and my mortgage was taken in XXXX and BOA became my servicer. The XXXX program allows reduction of interest and reduction of principle in most cases also. The bank offered my payments to be reduced to XXXX per month for XXXX trial payments. I completed those then the bank sent a new loan, new loan numbers and in the writing it described the uncertain terms,,, no amount or enclosure details to the third party. I have been making my monthly payments as 31 % of my gross income. my gross income is generated from SS, SSI and food stamps. all of which is unearned income. My income is 33 % below the XXXX indigent level and is non taxable also. I have been attempting to contact BOA with the many telephone numbers that I have been given. All the lines are rerouted and designated to a party that listed as a relationship specialist. I can not even reach customer service for they do not even give numbers to call on the voice mail. I have left ten voice mails in the last week and half. The numbers of contact state BOA but I keep receiving the same voice mail contact. I received a letter dated XXXX/XXXX/XXXX stating XXXX XXXX would contact me. I have had no call from that party either. I received a letter threatening to foreclose because I refused to sign the document that included undisclosed fees to the third party. That is unlawful. I have been paying on my moetgage monthly and as I explained in previous complaints the BOA fails to document them to my credit agencies as partial payments or even as a FHA payment stipulates that escrow is paid then the principle. Please look into this matter as it is unlawful for a bank to not allow recourse or communication to dispute what they do, I have an FHA ticket number of escalation oped from last month and I do not have any info from that either.
I have an insurance ( insurance ) claim, due to a fire, the claim begins with XXXX XXXX XXXX, and was transferred over to XXXX Loan Servicing. 
The XXXX draw was distribute to the contractor, However he did any building,, Ocwen was informed of the matter on hand, when the loan was transferred over. I informed Ocwen again of the matter. Ocwen states that it is XXXX XXXX XXXX responsibility because the check was sent out by XXXX XXXX XXXX. And they can not act on the issue, with out Authorization from XXXX XXXX XXXX. 
Ocwen wants to know why I am inquiring of the matter, to them and they will not take any action on the matter, or assist with the issue. Per Ocwen it 's XXXX XXXX XXXX responsibility. Per Ocwen they will not do the necessary process to inquire about the XXXX, for the completion of the repairs because it is XXXX XXXX XXXX responsibility. And for me not contact them, any more. 
I received ( return ) a call from, Ocwen ( XXXX ) representing XXXX XXXX XXXX. On what they can and want do. 
Per OCC, it is Ocwen responsibility to inquire with the contractor, on the repairs. Because the loan is with them and the money is part of the Mortgage loan. 
Please see Attachments. 
Per Ocwen, they need XXXX XXXX XXXX authorization, to proceed to take action on the money. Due Ocwen need Authorization to move forward with Retrieving the Missing Money ( Funds ).
Early Warning Still Has Not Resolved My Issue And Still Have Not Remove The Block For The Fraud Accounts That Where Open With My Social Security Number. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Early Warning Claims This Accounts Where Already Disputed And That The Blocked Will Remain On My Consumer Report For Opening Checking Accounts Or Saving Account For The Future and They Are Requesting For Information In Writing About This Account For They Can Disputed in XX/XX/2018 XXXX Requested to Early WARNING To Remove the block for any XXXX   Accounts.
There is a tax lien that was paid and canceled with the state of XXXX in 2013. I have the letters from XXXX County XXXX Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.
Account closed with out my knolage or permission. after talking to three customer service reps, two fraud agents, and then customer servixe. They where unable to help my with the information or access on my account.
I refinanced my V.A. home XX/XX/XXXX under the XXXX. hybrid ARM. The United Security Financial Corporation or XXXX XXXX sent me a notice yesterday. They said under my contract my rates could increase to {$1000.00} according to my closing documents. Interest rates have begun to show a sign of increasing. I feel this is a deceptive practice. The rules with the XXXX. hybrid ARM are clear. My interest rate is locked in for 3 years. The rate can never increase any more than 1 percent per year. The rate can never go up over 5 percent. My initial rate was 1.75 %. My rate is subject to change on XXXX.
My problem started when my loan was sold to sls from residential credit solution. I applied. Modification loan and they denied it in XX/XX/XXXX. Which reasons are not cleared to me why my application was denied. Then a week later I received a Deafault letter with so many extra charges. When I called somebody said the extra charges are for escrow and To me an escrow charge is only when buying a new house. I paid the amount though it left my family in debt. But in XX/XX/XXXX i received again a default letter stating my account is in default again for not payment even i sent money in XX/XX/XXXX, I called 3 days ago, some name XXXX told my wife that our monthly payment is already been increase to {$3400.00} instrad of {$1500.00}, which was sign by me from our previous mortgage. Apparently because they took over paying my property tax they charge extra {$15000.00} in advance every year. I told them that I could pay my own taxes and I theres a way that I will pay it myself, instead of them paying it without any sign aggrement between us. She Said no, they will keep paying it and willl charge my account XXXX every year. & will be collecting them in advance by adding {$1100.00} every month on my monthly payment .and I was advise to apply a new modification loan again to which I am not sure they willl approved me. I am afraid that this company is ripping us off and eventually will foreclose our home because of all the additional charges on my account which is not affordable .We can not afford to make a payment of {$3400.00} every month when our contractual amount is only {$1500.00} I hope you can help Us. Thank you very much
Equifax previously deleted several student loan accounts and 3 credit card accounts from my equifax credit report, but these accounts that they deleted are still showing on my Equifax credit report. I do have the Equifax results documents that they sent back to me showing what they deleted, i have proof. I called Equifax last week and spoke to a customer service representative based out of the united states, the customer service rep and i went over my credit report over the phone, he stated that the accounts that were previously deleted by Equifax were not showing on my credit report anymore. I received a copy of my credit report today in the mail and the accounts that Equifax previously deleted are still showing on my credit report. Equifax also have 2 additional student loan accounts that are on the hard copy of my credit report that they mailed to me, those 2 accounts are not showing on my credit report on www.equifax.com.The Accounts that were previously deleted are several XXXX XXXX XXXX/XXXX accounts, XXXX/XXXX account, two XXXX XXXX XXXX XXXX accounts and several XXXX XXXX XXXX XXXX accounts. And some of the account numbers on the hard copy of my Equifax credit report are different than the account numbers they have on their Equifax website. I would like the CFPB to please assist me with this matter.
I was contacted by I.Q. Data International by telephone on XXXX XXXX, 2017 and informed they were pursuing collection for an amount due an apartment complex in XXXX, XXXX. I informed them that I did not live in XXXX and that the debt was not mine. Upon receipt of the initial letter from I.Q. Data, I provided them on XXXX XXXX, 2017, via certified letter with return receipt, multiple documents to include voter registration card, auto registration, auto insurance, utility bills, mobile phone bills, cable bills, IRS letter, letter from current landlord showing my lease start date and lease end date as well as a statement from the company responsible for moving me from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I have asked the creditor for a signed copy of the lease with the apartment complex in XXXX as well as any tenant information but as of this date, they refuse to provide me with that documentation. They have provided me with a statement with my name and an address is XXXX, XXXX but as I have previously stated, I have not lived in XXXX. On XXXX XXXX, 2017, again via letter sent by certified mail, return receipt, requested a copy of any leases, tenant applications but to date, creditor has ignored my request. On XXXX XXXX, 2017, I received notification from XXXX, XXXX and XXXX, that I.Q. Data International has placed the item on my credit reports. I have been attempting to work with them to resolve this but my attempts have been ignored. I feel that my rights under the Consumer Credit Protection Act have been violated and I am asking for your assistance in order to protect them. I have since filed disputes with all 3 credit bureaus in an attempt to get this removed from my credit report.
Reference : Citi XXXX XXXX Card I paid a balance due on XXXX/XXXX/16 of {$220.00}, the payment was due on XXXX/XXXX/16. That payment gave me a {$0.00} balance. I have called and spoke to XXXX different people about a {$25.00} late charge. The statement says no payment was made by the due date thus the late charge. The {$25.00} charge was debited to the account on XXXX/XXXX/16, this is 6 days after I made the payment of {$220.00}. I have asked for the {$25.00} late fee be removed from my account. The CSR 's I spoke to told me I have to wait for a call from a supervisor.
I contacted the XXXX XXXX XXXX in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports on XX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I logged into my debt summary for the XXXXXXXX XXXX XXXX and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!
Regarding XXXX I initiated a complaint on XX/XX/XXXX stating that the " debt '' this company is reporting is usury in nature, to date the " investigation '' is not complete. Company give boiler plate responses stating " we verified the information is accurate ''. At no point do they address the usury amount that is in violation of NYS law. it has been over two months and my complaint is still open on " XXXX XXXX '' I've attached a screenshot proving this. Any representation stating otherwise is misrepresentation of the the facts I demand an answer as to why Transunion is reporting usury amounts in violation of NYS laws, these are the laws that prevent " pay day '' lenders from representing their debts on credit reporting sites. Please note that Transunion is the only reporting agency reflecting this ILLEGAL entry
My boyfriend XXXX had a Care Credit credit card account with Synchrony Financial Bank, in XXXX, Florida, that was opened on XX/XX/XXXX. It begins with the numbers : XXXX He added me as an authorized user on this account in XXXX of XXXX. 

Synchrony Bank is not reporting this account to XXXX, XXXX, and XXXX XXXX. 

They need to report it on my credit files with these 3 credit bureaus, because I was listed on the account as an authorized user.
My wife was at XXXX and the debit/credit card we have through USAA bank was not working. I immediately called then and was told I had an hour hold time. I tried their online page but was unable to accomplish anything there either. So, I stayed on the line and within one minute was disconnected. My wife calls back and tells me that all USAA card-holding customers are having trouble too and not one of them is getting through to USAA bank.
On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, Experian, XXXX XXXX ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Experian : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in XX/XX/XXXX/XX/XX/XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( XXXX XXXX ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your XXXX credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc. 

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.
I received a alert/notice from Equifax to enroll for XXXX   IDnotify monitoring service, as Equifax is collaborating ( transition ) to XXXX this subscription. I promptly contacted BOTH companies via email and customer service numbers provided and neither were able to provide the process or means to register for the solicited monitoring service. Both dismissed the solution to registering for the monitoring service ( ID notify ) at no charge for 2 years.

Several Federal issues for compliance are violated when an offer is extended and detail/means to transition are not specifically disclosed or available ( particularly when a live person and chat program are used in the communication ). 
A total unethical environment is associated with Equifax ( legal issues are massive ), and it seems XXXX is now in association! 

I want to register for this solicitation/offering!
I requested my TransUnion Rental Screening Report and I received a letter stating that my birth date and social security number and copy of photo identification was needed before producing/providing said report. I submitted a generic form with my birth date and social security number and full name on it including a request/authorization in-print and any applicable addresses and I do not understand why I received the letter that I did. TransUnion REFUSED to give me my report when I know that they possess adequate information.
I took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there