WillisBack/dataset-financial-user-claim huggingface dataset:
I have unauthorized inquiries reflecting on my credit report that should not be there. This issue has not been resolved even after complaining to through the Equifax portal, certified letters sent to Equifax, CFPB and BBB. I was told to submit copies of my complaints along with the inquiries that I was disputing to Equifax. Even after doing so, I was told that Equifax does n't dispute inquiries and that I needed to contact the creditors individually to ask them to remove the unauthorized inquiries. I spoke with each of the creditors and was told that because I do n't have an open account with them they are unable to provide me any documentation to have the inquiries removed because they have no record of me in their system. I am always given the run around and Equifax has been unwilling to help me get this matter resolved. They even put a fraud alert on my credit report ( which I recently requested to be removed ), but did n't resolve me issue at all from previous inquiries.
XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility fo r 3 fa iled attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.
I opened a XXXX XXXX Credit Card in XXXX in XXXX XXXX XXXX. Due to unfortunate circumstances I could n't continue paying for the Credit Card. The acct was charged off in XXXX. Midland Collection Management purchased the debt XXXX. In XXXX I went to XXXX to my father residence. He was very XXXX. I was unemployed at the time.I decided to go and care for my father until he passed in XXXX XXXX. I been a resident in XXXX XXXX and homeowner since XXXX. XXXX XXXX I came back home. On XXXX XXXX, XXXX I found out they took out all of my money from my checking account XXXX. When I went to the bank to find out why. XXXX XXXX XXXX explain to me there was a legal order from Midland Collection Management. They hired a lawyer in XXXX XXXX. They sent a summons to my father 's house in XXXX XXXX. That is not my residence never was. I was there temporarily due to my father illness. My stepmother is not in good standings with me. Therefore, she is not going to forward or even tell me I had any mail there. I do n't understand why they did n't send correspondence to my home address in XXXX XXXX. That is were the acct originated from. Not XXXX. How would I have know there was a summons against me. I called the lawyers and asked them to send me all correspondence that they sent to my father 's house to my home address in XXXX XXXX and their response was that they cant send me anything because its out of their jurisdiction. My response to them was if I 'm out of your jurisdiction how were you able to get my money from my acct here in XXXX. I feel its foul play on there part. This account is a debt that has reached statue of limitations. This acct is from XXXX. I am seeking legal help in this matter. My question is why did n't they send correspondence to my address in the state where the acct originated which was XXXX XXXX and not XXXX. Now I am left with a judgement. Which I will be seeking legal advise to have this judgement reversed or void due to violations on there part.
XXXX 2017, the IRS and the XXXX XXXX XXXX informed me that a collection agency by the name of Immediate Recovery are in charge of my loans now for the amount of {$50.00}, XXXX. I have made many attempts to contact them and still no response. I have even asked the representative s that do  answer to please leave an email with my request to speak to them but still they have not reached out.
while looking at my credit report and scores on XX/XX/2018 i noticed a past due on an account with XXXX. but no contact info was given for XXXX on the report nor a complete account number.This was on my Equifax report, the account shows closed XXXX blance and past due. I sent a letter to Equifax but could not send one to XXXX without contact info to challenge.
I am being billed from XXXX XXXX XXXX in XXXX, NYfor medical whom I am currently enrolled in XXXX XXXX XXXX XXXX 3 accounts open on XX/XX/XXXX for {$530.00}. Current billing agency is XXXX XXXX. Also I am a victim of fradulent activities for a account bill of XXXX for {$180.00} opened on XX/XX/XXXX current billing agency Trident Asset management.
XXXX erroneously submitted my account to a collections company ( Southwest Credit Systems ) about an amount that I did not owe ( i.e., unreturned equipment and early termination fee for home security ). I returned the equipment and did n't terminate my home security contract as I transferred service due to moving. This is all well documented. Southwest Credit Systems called me several times, including at work and I asked them to stop. In addition, I told them that I was disputing the charges. They indicated that they were looking into it. Well, they are still persisting in trying to collect for an amount that I do not owe via letter after I told them that this was in error.
About a week before XX/XX/XXXX XXXX XXXX XXXX called my phone number asking for a XXXX XXXX concerning a debt who I have never known or heard of. On XX/XX/XXXX I received a call from XXXX XXXX from XXXX XXXX XXXX XXXX about a debt in the amount of XXXX from a XXXX XXXX source. XXXX XXXX attempted to collect on this account and I believed the account was mine and paid a payment of XXXX and promptly set up a payment plan to settle the debt. There were also an additional 4 accounts under my social security number, date of birth, and last name that they wanted to collect on until I said no that was not me and was told that was a mistake not to worry. On XX/XX/XXXX I logged onto XXXX XXXX XXXX website portal to view my account after logging in with my social security number, date of birth, and last name, a total of 5 accounts all of which were under the name XXXX XXXX including the account XXXX XXXX XXXX had collected on said belonged to me that I had paid an initial payment of XXXX and set up a payment plan. I immediately cancelled any further payments for the account as I believe the account and accounts are not my debt to be collected from on behalf of XXXX XXXX XXXX XXXX No where, after logging in under my social security, date of birth, and last name was my name attached to any of the accounts but instead a XXXX XXXX XXXX I am under the belief none of these accounts that XXXX XXXX XXXX is collecting belong to me but another person. I signed no contract with XXXX XXXX XXXX and am under no obligation.
I was at XXXX XXXX to purchase appliances on XXXX XXXX, 2015 using CHASE credit cards. I have credit line of CHASE Freedom VISA for {$2500.00} and CHASE XXXX RAPID REWARD VISA for {$19000.00}. 

My transaction cost was XXXX + - which I charged on CHASE XXXX first ; however, it was declined with FRAUD ALERT reason. I confirmed my transaction online. Upon calling, I offered all the necessary information to identify me, however, at the at they declined the transaction with excuse that they still could not identified me. I gave my SS number, date of birth, how and under what circumstances I got my credit card, XXXX digits on the back of my card, credit card number, birth date etc. But the company still refused to approve the transaction saying it is part of process and requires further investigation. 

I was at the point of sales of XXXX XXXX and the bank had all the opportunity to identify me, however, because of their discriminatory practice, I had to go through embarrassing situation, spend lots of time, and end up their rejecting my purchases. 

CHASE VISA also called me after few days of transaction, however, they are still confused about my identity till XXXX XXXX, 2015.
Contacted my place of business. They called our main line so they were aware it was business number and even when told it was a business by our secretary proceeded to tell her it was a personal matter that they wanted to discuss with me.
Institution Information Service Fin XXXX XXXX, FL XXXX ( XXXX ) XXXX I applied for Fiance with a window company and they selected this company as my lender. This lender ran 2 hard inquiries on my credit report, which in turn, lowered my credit score.
AR Resources is trying to collect on four {$25.00} accounts that have been previously paid. I provided them proof of payment within the 30 day requirement and advised I was disputing the validity of each debt. They never responded.
My personal data appears to be compromised because of the cyberattack on Equifax Inc. as confirmed by their service that checks for this ( www.equifaxsecurity2017.com ). I have never worked with Equifax directly, so I do n't even really know why they have my data, but that does n't matter now I guess. I do not know the full extent of what happened to my data, I am currently unable to view my credit report ( XXXX gave me an error when I tried to get my report and said to try again later ). This breach of my personal data is unacceptable and puts me at serious risk for identity theft and probably more.
We have a mortgage in California. We are in a flood zone and do have a flood insurance policy that we have always paid on time. We recently refinanced our mortgage and it funded without issue. 3 months later, our mortgage company is claiming that we have to have our food insurance impounded with our mortgage payment, that it 's the law in California and this law went into effect XXXX/XXXX/16. We had a mortgage through another lender and have never been told that we had to have our flood insurance impounded, nor did we. 
We have current flood insurance that is fully paid for the year and we do not want to have our current mortgage holder try to charge us late fees or ruin our credit over this. How do we proceed?
I have been having issues with XXXX XXXX, who took over my loan from XXXX. I have been in deferment for a while because I am a graduate student, but I like to check my account from time to time so I can keep tabs on what I owe. 
Last Saturday ( XX/XX/2018 ) I tried accessing my account multiple times and the service was unavailable despite claims on their website that they are a 24/7 access site. I have tried again today, XX/XX/2018, at XXXX and the site is still unavailable. I then tried to contact the company and they ask for a SS #, and it said the number was not on file, yet when I tried to register an account I couldn't because I already had a file. I decided to research the company only to find extremely negative reviews of other people having the same or worse problems ( XXXX XXXX XXXX  ). 
I have reset my password and gotten " in '' to the site where they say there is no information based on my SS #, yet they say that my loans are being handled on the same page ( screenshot attached ). I logged out and attempted to log back in with my new password, and the unavailability message is back. How is it that I have no access to MY information?! 
I plan on graduating this year which means that my loans would come due. I am not comfortable with this sketchy company having my personal information or access to my finances. 

I appreciate any help that you can provide. 
Thank you.
The issue is related to my escrow account which is held and managed by my Mortgage company ; Ocwen Loan Servicing LLC . What started everything off is the lender paid my Flood Insurance Policy and sent a check for {$660.00} on XXXX XXXX, XXXX after the due date in XXXX of XXXX to renew the policy. As a result, the insurer canceled the policy because of non-payment by the due date. Because of this, I was forced to request a new Flood Insurance policy. The new policy cost {$100.00} more than the original policy as there was a rate increase that took place after the renewal due date of my original policy. I had a conversation about all this with the Mortgage company and told them they were responsible for the premium increase for this next year renewal. They agreed with me after a long conversation with them that it was their fault the policy had been canceled. 
My producer sent the new policy to Ocwen, the cost for the new policy is {$760.00}. Ocwen then sent out another check on XXXX XXXX, XXXX for the difference in the XXXX policies instead of issuing a whole new check for the full amount of the new policy. The insurer rejected this check because it was a partial payment and not the full payment. They only accept full payment for this type of insurance policy. This check was sent back to Ocwen. 
Ocwen then sent out another {$100.00} check out of my Escrow account on XXXX XXXX, XXXX. This check was never received by the insurer. 
Finally, on XXXX XXXX, XXXX Ocwen sent out a check for {$760.00} to the insurer for full payment of the new flood insurance policy. 
To date my escrow account has only been credited with XXXX of XXXX {$100.00} credits. A check for {$660.00} was issued by the producer to Ocwen. They cashed the check on XXXX XXXX, XXXX. To date this amount has not been credited back to my Escrow Account. 
So at this point Ocwen owes my Escrow account {$100.00} + {$100.00} + {$660.00} for a total credit of {$870.00}. On XXXX XXXX, XXXX Ocwen sent me an Escrow Account Analysis and disclosure statement. This is not the first time they have made a mess out of my escrow account or messed up a payment on my flood insurance. I am fed up with them, their customer service is horrible. I need some help to find relief before they increase my mortgage payment due to my escrow account being short {$870.00}.
I have already disputed on XXXX but I did not get a final response.Now I see the same problem on Transunion. Idid not close my account and opened a new one. Thanks Please fix this issue. 
Thanks, XXXX
I attempted to get a credit report for my mother, and I believed that the cost would only be {$1.00}, as advertised on their website. Instead, they added me to a monthly membership that cost me {$22.00} per month for several months. I contacted Experian about a refund, but they said that all sales were nonrefundable. I wish Experian would be forthright with their advertising and explicit about the fact that receiving their credit report will enter me into a membership program.
Keeps calling my job and home making threats to sue me for a debt that I do n't owe.
I contacted a health care provider on XX/XX/XXXX to inquire about a debt that was passed to a Sa-Vit collection agency. The account was for a procedure for my daughter as required by the State of NJ. The amount in question is {$320.00} for a date of service of XX/XX/XXXX. The health care provider provided my information about the alleged debt and a claim number in which I contacted my health care insurance company to verify if a claim was submitted in XX/XX/XXXX. 

After speaking with my health care insurance company on XX/XX/XXXX, I was told that the health care provider billed did submit a claim but the procedure was billed under my name and not my daughters name and that was the reason why it was denied by my health insurance company. After speaking with my health insurance company on XX/XX/XXXX, they fix the problem and transferred the claim to my daughters name which is should have been billed of in the beginning and gave me a claim number in support there of. 

I called the collection agency Sa-Vit and spoke with a representative who I explained that the health care provider billed the procedure under my name and not my daughters and that's why it was denied and that my health insurance carrier transferred the claim to my daughter after finding out about the error. I was then transferred to the company 's compliance officer XXXX XXXX and explained the situation to him. Mr. XXXX became verbally abusive to me and then started speaking to me in XXXX unexpectedly. When I spoke back to him in XXXX and surprised him he refused to talk further and hung the phone on me. 

Mr. XXXX is very unprofessional and thinking he bully consumers especially by speaking in another language in which to insult someone.
Ive sent information on 2 separate occasions to the Navient Fax number, for IVR payment reduction, they never seem to receive the information. I have been asking for borrowers defense with my loans as I am in a class action lawsuit against the card issuer on which they put our excess loan amounts due to being charged ATM fees, as well as MANY other fees on OUR BORROWED loans. 

Everytime NAVIENT sends my information to me, my interest has increased, to the point now that the interest is MUCH higher than the loans themselves, Im buried under interest as they always suggest a forbearance or deferment in which case, Im accruing more interest than expected or required. 

When NAVIENT assumed my loans from XXXX XXXX, they did not lower my rates or clear the interest accrued on my UNSUBSIDIZED loans, as promised ( an OBAMA Education plan to assist students who have loans to save money ) On XXXX XXXX, 2017 a lawsuit was filed against Navient for many reasons including the aforementioned situations. 

Im in a financial hole with these loans and I will NEVER get out as they are unwilling to help and continue to claim they have never received my applications for IVR or Borrowers defense. 

I believe I should be a part of tsaid lawsuit, I DONT KNOW WHAT TO DO????
This complaint is in reference to a personal checking account that was opened during the year of XX/XX/XXXX. The account is currently closed. 

Approximately around early XX/XX/XXXX, I walked into a branch in XXXX ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document known as the : Paid Item Check Intracycle to confirm and verify that a series of cashier 's checks were purchased and paid to the payee described in the instrument. ( XXXX XXXX ) I spoke to a banker named XXXX and explained how critical and important it was to receive these documents since I am a plaintiff for a lawsuit related to an illegal foreclosure. I explained the narrative of my case and even advised I have a court trial in early XX/XX/XXXX.I left him copies of all the Cashier 's Checks and he assured me I will receive this information in a timely manner. During mid XX/XX/XXXX, he provided a folder and advised all the information was contained inside. Upon reviewing the documents, I only received one document referenced as : Paid Item Check Intracycle form for one Cashier 's Check purchased XX/XX/XXXX ending in the sequence XXXX. I have not received anything by mail or a call from the branch thereafter. I tried to call a few times, yet was unsuccessful.The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Citi Bank. I have attached all copies of these Cashier 's Checks for your review.
Hello my name is XXXX XXXX and my husband 's name is XXXX XXXX. We are writing to you to explain the details as best as possible for the mess of mortgage loan we currently have with the Servicer American Servicing Company. We took this loan out in XXXX and refinance it in XXXX not knowing the bad/predatory mortgage we were entering into. We entered into an adjustable rate mortgage in which payment doubled from XXXX to XXXX per month in the third month, but that really was n't the issue at first until my income was gone and we solely relied on XXXX income my husbands. I start falling behind on my mortgage and It took roughly 3 years from start to beginning for the mortgage company to make a decision and finally give us a loan modification. Now because of the amount of time it took the mortgage company to make a decision we are paying for a mortgage that is XXXX underwater. The unpaid principal amount is XXXX and the value of the property is roughly XXXX. We were sending documents after documents and speaking to a representative in that time span, but they would not make a decision. At XXXX point they gave us a trial modification payment plan in which we paid as we should of, but they ended denying us and putting us back to apply for a modification. I would like for the lender to consider us for a principal reduction since I truly believe the arrears with have not been as high if the Servicer would had made a decision for a loan modification. It took them from XXXX to XXXX to finally approved me for a modification.
I am writing this complaint because of a problem I am having with XXXX banks that are involved in a short sale transaction. I am currently working on other alternatives to foreclosure so I would like to short sale my home. I would like to short sale my home because I do n't want my home to go into foreclosure. I have been trying to short sale my home for 10 months. The XXXX mortgage is Chase and the XXXX mortgage is XXXX. I have lost XXXX buyers on my home because Chase and XXXX have been very difficult in coming to terms with the sale of my home. Chase offered me an approval in XXXX of {$75000.00} dollars. I had a buyer that was interested in purchasing the home. Once it was time to go to settlement, it was discovered that XXXX had a XXXX lien against my home. The buyer walked due to the time it took to receive an approval. I located another buyer in XXXX and this is the third buyer. Chase stated that they needed to provide another approval. Chase offered an approval of {$160000.00}!!!! Chase is stating that the value of my home went from {$75000.00} to {$160000.00} within 3 months. XXXX then provided an approval of {>= $1,000,000}. Please keep in mind that the home is only valued at {$75000.00}. The home is in need of major repairs in the interior of the property. The negotiator was able to get XXXX to agree to a lower amount to close the deal and then Chase came back with a higher amount. I am writing this complaint because I want the cfpb to know that the banks are still making it difficult for homeowners to reach other alternatives to foreclosure. I would like Chase is being very uncooperative and I do n't know how this will benefit the banks. This has taken a toll on me and my husbands marriage. We have separated and our family has been separated due to this situation. We have tried to modify our home mortgage and XXXX would not work with us at all. I would just like for the cfpb to help me with this transaction. I want to sell my home so that I can walk away knowing that the title has been forwarded to a new owner. I do n't want to experience a deficiency and I want to start my life over with some self respect.
I have a XXXX Credit Card where I make a minimum payment to since the credit card was opened in XXXX 2013. I was not receiving my statements on time very early on when I first applied for a XXXX Credit Card and was unaware of the due date. I was making multiple payments for one month not knowing it was not reflecting on the following statement. Late fees were assessed and when contacting XXXX they were not willing to work with me on the late fees. The balance was increasing higher and higher and it became an absurd amount which I was unaware of. I have since paid half of the balance owed to my XXXX account. The monthly statements sent by mail were not being received.
XXXX XXXX added a {$75.00} charge to my gas bill because my payment I mail in was XXXX cents short due to a typo. I called and spoke with the Rep. I think XXXX and ask to dispute the Charge of {$75.00} as being excessive for being short XXXX cents and I wanted to cancel my cards until we cleared up the matter. He email me a form which I completed and was told I would be contacted by another representative. 

No one has contacted me and every 2 weeks XXXX adds another {$75.00} plus interest to my bill. I have no way of getting them to stop adding more charges. I have contacted the Governor of XXXX and the Texas Attn General office for help.