WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   XXXX   client  XXXX   XXXX  ( formerly  XXXX  ) is an identity theft victim. Someone used her information to apply for a credit card with  XXXX   XXXX   A  dispute of the application was submitted to  XXXX   XXXX   XXXX / XXXX / XXXX  certified mail with return receipt. In  XXXX   XXXX  a review of her credit reports was conducted and the  XXXX   XXXX  inquiry was still listed. Contact was made with  XXXX   XXXX  and we were advised that by  XXXX  the inquiry would be removed. A check of the credit report was done again in  XXXX   XXXX  and the  XXXX   XXXX  inquiry was still listed with  XXXX   XXXX . A formal dispute was sent electronically to  XXXX   XXXX   XXXX / XXXX / XXXX  ; as of  XXXX / XXXX / XXXX   XXXX   XXXX  confirmed  XXXX   XXXX  is reporting the inquiry as valid. At this point there are now several violations of the FCRA from Both  XXXX   XXXX  and  XXXX   XXXX .
On XX/XX/XXXX we apply to Keep Your Home California for a Reduction of Principal Balance of my mortgage. We got approved on XX/XX/XXXX for a Reduction of or voucher of {$75000.00} towards the Principal Balance of my Loan with Seterus Mortgage. Seterus Mortgage received the amount of {$75000.00} from Keep Your Home California Relief Program, around XX/XX/XXXX or XX/XX/XXXX, since then we have encounter a delay from SETERUS to apply to amount to make the modification or our Loan with them, we called them and ask them and they have a very unprepared employees working for them they do n't know how to help us to resolve what is happening with the money that they get from the State to help us out, but they assure us that the money is there is just waiting to be allocated in the Loan. In the meanwhile calls and calls from the Collection Department to collect the money that they not even know why we own the money to them. It has been a very hard process for us because the suppose to send us the package that we need to sign and they forgot to send it to us at the end. And this happened a couple of times already and still they do n't have the Loan fix yet. The {$75000.00} is still in their position waiting for them to work and apply it to our Loan. We are very stress out with this, they had lost our paperwork a couple of times as well. We do n't know what to do anymore.
Called XXXX to dispute a hard inquiry on my credit file. I was informed by rep that they do n't delete inquiries without something from creditor listed authorization and I needed to contact creditor. I contacted 1st National Bank of Omaha on XXXX/XXXX/XXXX. Spoke with XXXX who explained that I could n't call and request anything to send to XXXX regarding this matter. He stated XXXX would have to contact them and request or demand positive proof from creditor rather I have an account or inquired about XXXX. And that there is nothing they have to acknowledge that there is such an account
I pulled my credit report in the month of XX/XX/XXXX after being refused a car ins. So, in mid XX/XX/XXXX I received all 3 reports and began going thru them. As I started questioning a few of the collections. I came across BLAKLEY- WITT and began to researching how and why are they on my reports. I disputed the item with credit agencies 1st. This item was removed from one then another but this company still was reporting to them. I was told by XXXX to send them a letter stating they need to provide me with info. stating they actually own this debt and they should have no problem sending the info. After sending them request asking them to prove that they own or that they have some vested interest in this item. This company has been only sending back in return copies of the lease between the realtor and myself never anything saying there is a agreement to pay them ( prove of Assignment ). I have send them TWO request asking for this, from BLAKLEY-WITT As, you can see in the documents this company never replies to my request for info as to this matter. This is a VIOLATION of the Fair Debt Collection Practices Act. Section 809 ( b ),
Received collection letter dated XXXX XXXX XXXX from XXXX XXXX XXXX XXXX about a debt for LVNV for {$14000.00} last XXXX digits on letter are XXXX. I do n't owe any money to LVNV I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with LVNV.
Vital Recovery services ( XXXX ) is repeatedly calling me-atleast 15 times a day. I do not owe any money to any company/services. They are harassing me at all times of the day.
I have written letters and not received anything back I had I didnt make that I have asked for written consent from the company showing that I signed for these accounts I believe these were done fraudulently
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.
XXXX XXXX and XXXX XXXX has contracted with XXXX XXXX XXXX XXXX XXXX Service my VA home loan. The problem has I contacted XXXX XXXX XXXXXXXX and requested to have my mortgage escrow removed since this is a new loan I have neither been late on his mortgage and the annual taxes and homeowners insurance are current. As a VA borrower, I have the right in the state of XXXX to have my mortgage escrow removed and it should be honored. This company has also not refunded my escrow funds that were collected from my previous mortgage company XXXX Mortgage which violates the Mortgage Servicing Clause in Release tractions amendments of the state of XXXX
Santander was charged off and settled in XXXX. 

See screenshot for issues. Every bureau shows something completely different and all incorrect. 

XXXX - Shows a {$9300.00} balance and derogatory charge off. Date of last payment XXXX/XXXX/XXXX Experian - Shows XXXX balance and paid and late 180 days in XXXX. Date of last payment XXXX/XXXX/XXXX XXXX - Shows XXXX balance and paid and late 120 days. Date of last payment XXXX/XXXX/XXXX
i have submitted a letter to transunion on XX/XX/2018 regarding the negative items on my credit report and ask them to verify them bearing my signature within the 30 days allowed by law.i haven't received any information concerning this as of XX/XX/2018
My mortgage was paid in full on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received reimbursement for my escrow account nor the overpayment of interest. The bank, Bank of America, closed my account on XXXX/XXXX/XXXX so I have no way to see what 's happening to my account via the internet. Additionally, trying to call the mortgage department is a frustrating waste of time. Each time I 've tried, I was never able to hold long enough to talk to someone. 

XXXX days to settle this account is obscene. Any payments to BOA that are late are charged a late fee but banks get a free pass?
When I was XXXX, I only signed up for a tour of XXXX campus. And I wanted to go through the pilot program. When I showed up, I was informed that I would never be able to afford the pilot program but I " should sign up for the mechanics program since it will make you lots of money one day and then you can afford the pilot program ''. I was coerced into actually signing up for tuition same day. Some lady on a computer looked up all the loans for me and just had me verbally agree. I should have had more time to discuss this huge financial decision and some adult should have explained what my obligations would have been. I feel like I was taken advantage of much like a XXXX car salesman preys on the unexpected.
I spoke to XXXX XXXX and settled the debt with them. They were supposed to contact Hunter Warfield. However after months of emails am still receiving collection calls and this debt was supposed to be removed per my email with XXXX
I recently applied for a credit card from XXXX, they reported that TransUnion was not able to advise my Credit Score with the following feedback : " Missing or Invalid Date : XX/XX/2017, Source : TransUnion Consumer Relations '' As a result, my application has been rejected. 
Through this portal I had received confirmation from TransUnion discrepancies with my information was fixed. Please advise XXXX my credit score.
Company bought old debt that has been paid company bought and is harassing me to pay debt that has been paid
On XX/XX/2016 I noticed that previously deleted inquiries on my credit report that were deleted had reappeared and were given new dates to expire.
Experian is reporting reporting a taxlien on my report that has been dismissed because it was filed in error by XXXX. This has long been removed from my other XXXX credit reports. I am uploading a document that may better shed light on the account in question. This is my only public record thats is reporting on any of my report 's. Please review the document, investigate, and remove. Thanks.
I opened a checking account at PNC bank, and decided the bank was n't a good fit for me. I ca n't close the account without incurring a {$25.00} account closure fee.
I PAY for ID protection with Equifax so I look online and see that most of my accounts were deleted off report and only XXXX were showing so I call them and I am told that for some reason my report was split into XXXX so XXXX report has XXXX accounts and the other has only XXXX. I have been denied credit due to creditors pulling my report and seeing only the XXXX with XXXX accts and so I am taking the hit for inquiries and also being denied services due to only having XXXX accts on that report ( length of credit history and XXXX of the XXXX accts had 30 day late marked ). I can not see the XXXX report online in my ID account that I got to monitor my report. I do not think this is fair that my report was split for whatever reason and my score is going down for the inquiries when creditors pull it and they are denying when they see the XXXX ( XXXX acct ) report. I want the report with only XXXX accts removed/deleted or combine the XXXX reports into XXXX. them splitting my report has hurt me since I am being denied and all these inquiries are on my record when they are not even getting my actual report. I feel as though my rights were violated.
This is a follow up on my previous complaint XXXX. 

We have a mortgage with Caliber Home Loan ( https : //www.caliberhomeloans.com ), account number XXXX. The mortgage consists of loan and escrow accounts both. OnXX/XX/XXXX, the loan officer XXXX XXXX informed us the escrow amount was wrong. The overall monthly payment should be {$5900.00}, down from the wrong number {$7100.00}. Therefore the monthly mortgage I paid is {$6000.00} from XX/XX/XXXX. However Caliber home loan does not update its system and think we are short of the monthly payment. The consequences are : 1. Our payment balance was messed up, both the loan and escrow account balance by wrong late fee and penalties which caused by Caliber itself. Please refer to the attached account payment history. According to my calculation, till XX/XX/XXXX, my loan balance should be {>= $1,000,000} and escrow balance is {$7000.00}. But Caliber shows the loan balance is {>= $1,000,000}. escrow balance is unknown. 2. Caliber careless mistake leads to both my husband and my credit score sharply drop from XXXX level down to XXXX level. 3. On XX/XX/XXXX, Caliber sold the loan to central loan administration and report ( XXXX ), and passed all the wrong information like escrow amount, loan balance and escrow account balance to XXXX. Although Caliber promised to fix it for us, one month after the transaction, the mistake in XXXX has not get corrected. The record from XXXX still shows our monthly payment is {$7100.00}. After the loan selling to XXXX, CALIBER did not inform us to pay XXXX afterwards. Without the right payment information, we paid our XXXX mortgage {$6000.00} to Caliber still. Although Caliber claimed that it forwarded the {$6000.00} to XXXX on XX/XX/XXXX, XXXX has not received it ever since. When both XXXX and us asked CALIBER to provide the express mail tracking number and check number, CALIBER just could not come up the numbers. 

Upon our earlier request to CALIBER on the closing statement and update both loan and escrow balance, we received the update on the escrow account today. It does NOT update anything at all, it does not adapt the new monthly escrow amount of {$1200.00} but using the wrong {$2400.00}. The XX/XX/XXXX payment does not show on payment history. The right escrow number for XXXX and XX/XX/XXXX should be {$1200.00} *2 = {$2500.00}. 

How careless and arrogant can a company be by totally ignoring the customer 's request?! When we pointed out there was error on the payment history, they update us with the wrong and current history AGAIN, as a response?!
I have been paying student loans for the past 5.5 years, and I 've always done my best to pay ahead of schedule. Several times I have taken large sums of money and put that toward student loans to help lower my principal in addition to my monthly automatic payments. Every time, Navient has put that additional payment toward interest before principal. Their website says to submit a letter with a check if you want to specify how to allocate additional payments. I have done this and specifically said do not apply this to interest ; only apply this to principal. They still apply it to interest first. I 've called and asked to speak to managers, and they continue to tell me that what they 're doing is correct and it does n't matter in the long run. I 've argued this and explained that they 're taking advantage of people trying to pay off their loans, and they refuse to correct my payments. 

Also, after submitting payments in addition to my automatic monthly payments, Navient recalculates my automatic monthly payment amount to a lower amount so that the overall term remains the same. I have called asking them not to do this, and they said I 'd have to submit paperwork to get my monthly payment amount back to what it was. It would take approximately a month to process, and if I continue to pay extra, the automatic monthly payments will continue to be lowered. I explained that this again is not fair and they are taking advantage of people trying to pay off loans, and they would not change it. 

Navient knows exactly what it 's doing. Despite trying to pay off loans sooner than scheduled, they still have found ways to take advantage of people. Applying additional payments to interest first ensures the principal remains slightly higher, so they can charge interest on a higher amount. Additionally, reducing automatic payments ensures the term stays the same, so they can charge interest for a longer amount of time. I 'm doing my best to work around these things so that they do n't make extra money off me ( manually going in every month to pay extra on the same day as my automatic payments so interest is already paid for the month ), but my fear is that most people do n't check these things as closely as I do and are paying too much in the long run.
XXXX I contacted this IQ Data to resolved this balance. At the time I informed the representative I only owed 1 month rent XXXX. He informed me there were damage to the apartment and when I advised him I have pictures ( which I do ) when I left the apartment with no damage as well as my security deposit was not returned me. He informed me if I agree to settling the account at XXXX he will remove the debt from my credit report. 

I disputed the amount in XXXX please see attached. I have also reached out to the apartment in which this debt is owed and I was also informed the total on this account should for 1 {$450.00} IQ Data has continued to increase this debt. They reported in XXXX I owed {$3800.00} as of XXXX XXXX they are reporting I owe {$4300.00}.
Nationstar issued approval for a short sale for a purchase price of {$130000.00} XXXX. The buyer 's appraisal was returned at {$130000.00}. Nationstar did not contact the investor for approval to issue a revised approval letter, which would have been the most effective solution. Rather than resolve the issue between servicer and investor, Nationstar instructed us to submit a copy of the buyer 's appraisal to XXXX through XXXX and assured us we would receive revised approval at the appraised value of {$130000.00}. The response was a counter in the amount of {$140000.00}. The buyer was unable to obtain a mortgage and the contract was cancelled. We have submitted several value disputes with documentation that a value of {$140000.00} is not reflective of market value and all disputes have been denied. As a result, we requested full disclosure of all valuation materials, XXXX reports, internal valuations, and appraisals. The servicer and investor refused our request, denying the homeowner her right to conduct a transaction with full disclosure and transparency. Should you need further information please contact our office XXXX or by e-mail ( XXXX ). Thank you in advance for your assistance.
I ordered a 30 trial of XXXX XXXX XXXX Next is a sequence of events Aprox XX/XX/2018 i ordered XXXX XXXX XXXX ( i have email ) a 30 day trial to see if it would work in my area XX/XX/2018 i sucsessfully registred my account order number XXXX I have email I recieved my equipment and the XXXX telephone man came to verify that phone line was working, i hooked up my equipment and tested it for promised speed, streaming one tv I could not log onto my computer I called the XXXX tech line and he was helpful and told me that there was not enough speed in my area he tried to increase from his side and asked me to power down and try over the next day I did with no results XX/XX/2018 so i called back and cancelled my service they sent me a return lable to send my equipment back ( i have email ) XX/XX/018 i dropped off the equipment and i have a drop off comfirmation ( i have email ) XX/XX/2018 return complete tracking number XXXX Proof of delivery XX/XX/2018 @ XXXX ( i have email ) Starting on XX/XX/2018 i started recieving automated phone calls about paying my bill i had not recieved my bill yet in the mail I called XXXX that week and asked what was the issue i only had the service for three days before i canceled the thirty day free trial the person on the phone said she could see where i cancelled my service and that i needed to wait for the final bill The first bill came first week of XX/XX/XXXX days after ordering for XXXX dollars I called again the second week of XXXX after multiable auromated calls to me about my XXXX bill being late again the person on the phone said the same thing that they see where i canceled after three days and that i should wait for the final bill The third week i was still getting automated calls from XXXX about my bill so i called a third time and asked why and again they said just about the same thing wait for the final bill this time i asked if they could at least turn off the daily automated bill collecting they said yes and that stopped Thank goodness Now the forth week of XXXX i recieved a threating call from XXXX XXXX   debt collection, i refused to speak to her because of her attitude and i was at work At the end of the forth week of XXXX i recieved another call from convergent a very nice man and i told him the same thing i have stated here and he said he would send it back to XXXX with my statement, Last day of XXXX i recieved another XXXX bill for the same amount XXXX Three days later XX/XX/XXXX i recieved a bill from convergent To the best of my knowlege this is a true statment of facts Please help me take care of this
XXXX XXXX has continually placed inquiries on my credit. I have never applied for service with them. After contacting them, they explained they do not use social security numbers so others with similar information applying may cause the inquiry to hit my report. I have disputed the inquiries with them and they have twice sent letters stating they have sent the request to have them removed from my file. I have also disputed these inquiries multiple times with Equifax. First time in XXXX of XXXX. I received an update in XXXX stating they were still working on it. I disputed again in XXXX of XXXX and never received anything. Again in XXXX and still received nothing. Again in XXXX and then received notice in XXXX the review was complete and found to be accurate. I am not sure how when I have letters from XXXX XXXX stating it was reported in error. I have worked really hard to re establish my credit. I have very good credit so there would be no reason for me to continuously apply for service with this company. Especially not when I have lived at my current residence for over 2 years.
Since XX/XX/XXXX, I have been trying to get approved for a Short-Sale. On XX/XX/XXXX of the same year the loan was transferred from XXXX to PennyMac. I had to submit all the necessary paperwork and on XX/XX/XXXX, PennyMac approved TPP Agreement with a monthly payment of {$1100.00} interest rate 4.65 %, I declined the offer as I could not afford the payment. I was approved for a modification in XX/XX/XXXX w/ a monthly payment of {$1800.00} and unfortunately, I defaulted and came to a conclusion that I can not afford my property. I tried to explain numerous times to XXXX XXXX, supervisors, management, and they all felt very strongly about the decision. On XX/XX/XXXX, I requested a copy of my Promissory Note and all endorsement and again made the same request on XX/XX/XXXX as they keep ignoring my request. I am facing a foreclosure on XX/XX/XXXX. The foreclosure Notice from XXXX XXXX XXXX did not indicate that the loan is an FHA with a Case # and also failed to include in the letter form XXXX and all the required forms, and also stating that the firm is representing XXXX XXXX XXXX as a holder of the mortgage. The loan was originated with XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX being solely the Nominee for the lender ; by chain of title XXXX  XXXX XXXX does not have ownership of the loan XXXX continues to be the Nominee for XXXX XXXX XXXX XXXX. The assignment of mortgage dated XX/XX/XXXX was incorrectly prepared by XXXX. It is The present Services ( PennyMac ) responsibility to enforce to enforce ownership of the mortgage and the note on behalf of the note holder. On XX/XX/XXXX, I received a letter from the same Foreclosure Attorney stating that his office was retained by PennyMac Loan Service, LLC. Attached are all the documents to justify and prove my complaint and also asking for help as PennyMac is in violation of amendments to DODD-Frank Wall Street Reform and Consumer Protection. I hope this matter will be resolved and justice will be made to stop all the abuse that I have been going through. I strongly feel that PennyMac violated my Home Owners Bill of Rights, not treating me fairly and ignoring all my requests.
THE BANK COMMITTED FRAUD AS DISABILITY INSURANCE SHOULD PAID THE ACCT IN FULL BANK COMMITTED FRAUD