WillisBack/dataset-financial-user-claim huggingface dataset:
At the end of XX/XX/XXXX I advised personal Finance that I was in the process of filing chapter XXXX bankruptcy and the account that I had with them would be included in the bankruptcy. At the advice of my attorney I was to stop all payments to Personal Finance. On XX/XX/XXXX Personal Finance obtained a judgement against me in the amount of {$990.00}. On XX/XX/XXXX the paperwork for the chapter XXXX bankruptcy was filed by my attorney. The proper documents were sent to all of my creditors and Personal Finance filed a claim of {$990.00}. Up until XX/XX/XXXX Personal Finance has reported the account balance to XXXX as {$0.00}. On XX/XX/XXXX XXXX XXXX notified XXXX that the balance increased from {$0.00} to {$1200.00} which is incorrect. They also marked the account as charged off/written off as bad debt as of XX/XX/XXXX. Per the bankruptcy law the account should be reported as closed with a {$0.00} balance. Since filing bankruptcy the trustee has sent Personal Finance a total of 5 payments that total {$88.00} which would bring our remaining balance down to {$900.00} NOT the {$1200.00} that Personal Finance is reporting to XXXX. It appears that Personal Finance has continued to charge interest on the account even though the account was included in the chapter XXXX bankruptcy which is a direct violation of the bankruptcy law. I demand that this inaccurate information be removed from my credit report immediately. My credit score dropped 35 points because Personal Finance inaccurately reported an account balance and a derogatory remark of charged off as bad debt. This account was not a charge off prior to me filing bankruptcy and shouldnt be reflecting as such.
XXXX about EQUIFAX, INC The company 's response to my dispute was to only indicate that the item I was disputing was not on my credit report. They did not provide me with any information on the item that WAS on my credit report ( Same creditor ). I called and they said that they couldn't authenticate me so they could not help me at all. I am not aware of the charges because I did not incur them. I need to know the details of the item so I can validate them, as they are not mine and I need to gather my proof. How can I prove a negative???? I have no idea of what the charges are for.
XXXX XXXX obtained a loan by using XXXX XXXX XXXX XXXX. to secure it. Her account w/Nationstar Mrtg acct is set up so that it collects additional funds and it sends payment to the Tax Collector. Said property was placed in a Trust and that is when an error occurred in the classification by the Tax Collector that caused a higher tax amount to be due. Nationstar began to bill for the higher amount. I wrote Nationstar and provided proof of the error and acknowledgment by the Tax Collector that the error is being fixed and advised Nationstar that the mortgage payment, which includes the regular amount for the property taxes will continue to be paid but that we will not pay the extra tax amount and that we will deal directly with the Tax Collector. In addition, I requested information about the insurance that Nationstart is paying and asked if Nationstar placed the insurance on the account because I want a different insurance company and it never responded to that either. Nationstar ignored our letter and never responded it to. Mr. Copper Mortgage  bought out Nationstar and continue to bill the higher amount. Nationstar nor Mr. Copper have responded to the first letter wherein a request was made that they correct their records and stop threatening to start foreclosure. They did not. Mr. Copper sent a letter providing a point of contact but it did not address the letter. We faxed the letter along w/anew letter to Mr. Cooper. Again, it failed to address any of our concerns. But it did begin to harass us. It began to collect a debt that it did not have the right to collect. I also continues to send out delinquent statements. The latest communication from Mr. Cooper was a threat to start foreclose if the total amount " due '' was not paid by XX/XX/17. Since Mr. Cooper has not corrected the account and has set a due date to start foreclosure, we paid most of the money they demanded be paid. It is now in their account earning interest. We do not owe the amount to the Tax Collector. In fact, I received an email confirming that the error has been corrected. More than 4 written communications have been made to no avail. Why does Nationstar/Mr. Cooper think it can threaten to start or start foreclosure for unpaid taxes? ( That are n't even due! ) I believe they are doing to this to many people.
I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX. Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of XXXX.the image I am attaching shows their license is lapsed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.
In XXXX 2013, during a time of serious financial problems I applied for, and received a loan in the amount of {$2500.00} from Delbert Services, now called XXXX. My loan number is XXXX. To date I have made payments totaling a little over {$10000.00}. When reviewing my loan balance it shows I still owe slightly over {$2000.00}. This is absurd! I not only want my payments to stop, I also believe I am entitled to a significant refund. Please help me with this matter!
Not receive the right amount of money each month on my cards I know it are fraud going to report it to law system
I was closing on the refinance New penn told us to close certain credit cards when we stating they didnt tell us we signed the initial documents and showing what was being paid off.New Penn double charged me for the appraisal fees when I provided proof showing that I paid my appraisal fee with different lender they still charged we were told that we are going get our money back.New penn financial should not have close credit accounts if the loan was not approved.This has been the worst experience applying for a loan they ask me provide divorce decree for something happened back in 2004 it doesnt have anything to do with current lender.They prolonged the closing date 3 times because they didnt verify documents. I am asking for my {$600.00} appraisal fee back, also the extra mo
Hello, After news of the Equifax hack, I went to https : XXXX to check if I was impacted. According to the website, I am and my data may be compromised. 

I would like to file this complaint to make sure my account is monitored and that I will not be victim to identity theft. 

Thank you, XXXX
During my period of unemployment I defaulted on my XXXX Student Loan. I entered into a loan rehabilitation program with a verified collections agency with XXXX. I was contact will paying the verified agency by another agency called Real Time Resolutions. While not important my loan is out of default. I have contacted the XXXX regarding the negative reporting by Real Time Resolution in the amount of {$1.00}, XXXX when my loan was no longer in default and had been rehabilitated through an agency they verified. I was informed today XXXX XXXX, 2016 by XXXX, in customer service ( XXXX XXXX ) that Real Time Resolutions is not a recognized as an agency working with XXXX. This company has fraudulently report that I owe them an unpaid balance when I never had an account with them nor did they have the right to attempt to collect on behalf of the XXXX for my defaulted XXXX Student Loan. I am working to restore my credit from my period of unemployment and here this company is reporting fraudulent information.
For my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the flood insurance is covered by the HOA fees I pay monthly. In XXXX 2014, Seterus Mortgage Company bought my mortgage from XXXX. Seterus purchased additional flood insurance for my property even though the property is covered under my HOA dues. Despite numerous of complaints in the form of calls and letters to their customer service, Seterus continues to charge me for this extra and unnecessary flood insurance, taking part of my mortgage payment, applying it to the escrow, and claiming I am short on my mortgage payment, thus negatively affecting my credit and payment history. I have provided Seterus with ample documentation to prove the policy from HOA fully covers the liability required for the property. Thank you in advance for your support. Please reach out if you have any follow up questions. Thanks, XXXX XXXX XXXX XXXX
We were selling property in XXXX, NV in XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX XXXX XXXX to have the tax payment stopped as the payment would be handled through closing. The loan closed on XX/XX/XXXX with the taxes paid through the title company. On XX/XX/XXXX I received a  letter from XXXXXXXX XXXX stating that the tax amount of {$280.00} was disbursed from the escrow account on XX/XX/XXXX and they could not stop the check. Receipt of this letter was after the loan had closed. This resulted in a duplicate payment of the taxes. I was assured that they would receive the funds back when the tax office refunded the money. On XX/XX/XXXXI contacted XXXXXXXX XXXX XXXX XXXX and they told me that had not received the refund and referred me to Corelogic Inc. as the  refund would go to them first as they make the bulk payments for XXXXXXXX XXXX. I called Corelogic Inc. and was told that they had not received the refund from the tax office. I called the tax office and was informed that the refund had not been sent and could take up to 6 weeks. 

OnXX/XX/XXXX, I followed up with XXXXXXXX XXXX and Corelogic and was informed that they had not yet received the refund. I went to the tax office that day and they told me that the refund was going out that day. 

On XX/XX/XXXX, I contacted XXXXXXXX XXXX again and again was referred to Corelogic. I spoke with XXXX who told me that the tax office sent the refund to the wrong company which made no sense to me because the tax office told me it would go back to Corelogic. Corelogic told me that the refund went to XXXXXXXX XXXX and they had contacted XXXXXXXX XXXX onXX/XX/XXXX to get them to send the money back but was uncertain how long it would take. I contacted the tax office for verification and the tax office told me that the refund was sent back to Corelogic Refund Department on XX/XX/XXXX. 

My opinion is that Corelogic sent the refund to the wrong Company and they are trying to cover their tracks. I has been over 4 months since this property closed and I am no closer to getting this refund than I was at closing. This is obviously the mistake of Corelogic Inc.
I am a victim of identity theft. My XXXX XXXX XXXX XXXX XXXX credit card # : XXXX. The following accounts and credit inquiry are fraudulent, unauthorized and not mine : XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
I asked my mortgage company, PHH Mortgage, if I could make bi-weekly payments. I was told that their company no longer accepts bi-weekly payments, and that even if I sent them it would not accelerate the amortization of my mortgage -- i.e. they would still treat my bi-weekly payments as monthly.
I found XXXX addresses on my XXXX report where I 've never lived. I have had my XXXX / ATM card used fraduantly in the past. I got a new card back then, and did not think there were any further problems until today until I click on my credit information. I 'm not well versed in this. And will have to seek help to resolve this. As XXXX address is in a state I 've never even visited..
I am a XXXX XXXX XXXX woman suffering from XXXX XXXX MCM called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told MCM that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.
SUMMARY : I was only told about an expensive " monitoring and locking '' way to protect my account and was NOT told about the much-less-expensive option of freezing my account. I had to call back, escalate the call to a supervisor and then argue with the supervisor before I was given information about my option to " freeze '' my credit. DETAILS : On XXXX XXXX, 2016 I contacted Equifax to find out what steps I could take to protect my credit after I learned that someone had applied for a credit card in my name. I was told about XXXX services : ( 1 ) a fraud alert which advised, but did not require, creditors to inquire further about identity of the person seeking credit and ( 2 ) a " LOCK '' that would cost me $ XXXX/month or a discounted rate of {$120.00} for the year. I was also told that this was refundable if I chose not to continue it. I chose the yearly amount and authorized a payment of {$120.00} on my credit card. When I contacted the other XXXX credit agencies, however, I learned that I could " freeze '' my credit account with them for a one-time fee of {$7.00}. Therefore, today ( XXXX XXXX, 2016 ) I called Equifax back to find out if they offered this same process ( and why I ended up with a much more expensive charge from them yesterday. ) The first representative I spoke with insisted that they only had XXXX ways to help me : ( 1 ) the monitoring and locking service that I had purchased or ( 2 ) a locking only service that was $ XXXX/month. I explained to her several times that at the other XXXX agencies I had been offered a " freeze '' for {$7.00} a month. She said they did n't have that service. So, I asked to speak with a supervisor. He also began the call by insisting that these were the only XXXX services they had. He repeatedly listed the monitoring advantages of these XXXX services, which I told him I was n't interested in. I only wanted to lock/freeze my credit so no one could access it unless I unlocked/unfroze it. Finally, he told me that they could do a freeze, too, but I would have to do it on line and that he could not help me with that. He also told me that they would not refund the whole amount I had paid, even though it was only one day since it was purchased and in spite of the fact that I had purchased it only because the Equifax representative did not provide me complete information. Instead of refunding the full {$120.00} they would only refund {$110.00} and it would be another month before that refund was made. 

Equifax has withheld information about a widely-available protection ( freezing my account ) in order to force me into a position of purchasing a much more expensive service which I did not want. It was only when I spoke with the third representative ( and only after I questioned him at length ) did he finally tell me about the option of " freezing '' my account -- information which the other XXXX agencies had readily offered and easily processed for me. This indicates a systematic withholding of information that would have been beneficial to me as the consumer.
I received an email today stating that there is a payment missing. The email stated that they received the last payment on XX/XX/18 however, according to my records I mailed two payments in XXXX. I complained before but the same thing keeps occuring and I need it to change. Thanks so much for your time.
When I consolidated my student loan debt in XXXX, my XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA of {$2700.00} was omitted in err. I had no idea this loan had been left out until it was placed in the hands of collection agency, FAI in XXXX, WA. I made a financial arrangement of {$200.00} per month. When I inquired about a statement of account, I was ignored, time and time again. I stopped paying after 7 months of payments, as I was concerned about the total of the debt and how my payments were applied. In XXXX, a lien was placed on my home for {$5600.00} ish, with finance charges still acruing. I had no idea that a lien was placed until I recently ( last month ) put my home on the market to sell. FAI and XXXX XXXX have both been unresponsive as I have tried to inquire about the amount of debt. I would like to resolve this debt but feel the payoff amount is excessive and unfair. Please advise.
urned in my XXXX XXXX XXXX lease with XXXX XXXX  in XX/XX/XXXX under the provisions of the XXXX. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact XXXX. Received multiple statements from XXXX claiming that we owed money on the remaining payments while I was XXXX to the XXXX XXXX. XXXX XXXX  told us multiple times to disregard the statements that our account would be fixed since it was turned in under XXXX. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under XXXX. After several attempts ( probably 20 or so ) contacting XXXX XXXX and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XX/XX/XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates in XX/XX/XXXX despite XXXX telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX  which returned with an affirmation from XXXX XXXX that the information was correct.
A computer glitch that was Transunion 's problem, not mines, caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally readded, and spoke to several representatives whom I have names and dates. These inquiries add a hardship and that my rights have been violated by Transunion.
Last month XX/XX/XXXX my condo unfortunately was foreclosed under fraudulent premises by XXXX XXXX XXXX that I plan to pursue in civil court. Since my foreclosure I have been waiting for the bank to contact me with information regarding what I must legally do next since they repurchased my condo. I have not heard from anyone, no written notice, not even a phone call until this past Saturday, XX/XX/XXXX when XXXX XXXX XXXX aka XXXX came into my condo. They came into my condo while I step out for 4-5 hours for an exam and repossessed everything in my unit. I was unable to go to work because they took my scrubs, personal hygiene supplies, etc. I had a business presentation that didnt go well because they took my suits and presentation materials. I called the police and they said nothing they can do because it is a civil matter. I have been calling them as well as my associates and XXXX refuse to talk to me or give me a rational explanation for what or why they took my belongings. I arrived back from my business trip XX/XX/XXXX so yesterday I resumed trying to contact someone about my belonging. They continued not to talk or give me an explanation for when, what, or where are all my belongings. The receptionist finally told me that someone from her office suggested that I contact The Agency who is responsible for my eviction notice. I dont know what they are talking about because it was XXXX XXXX that illegally foreclosed on my condo. 

Today, XX/XX/XXXX, I spoke to a representative for XXXX who told me that they threw all my personally and sentimental values in a dumpster. I filed a complaint with Florida Office of Financial Regulation. I dont believe they threw away my belongings as it was expensive clothing, suits, a safe, and hidden gold coins that were inside my tool bag. According to the law they were suppose to give me proper notice for eviction and furthermore any items they remove from my condo are to be kept in a secure storage for 30 days. Out of all the items they took, I want them to return the gold coins. My father gave me those coins to pass on to my first child in his name. Can you please help me.
I made a purchase on Victoria 's Secret credit card back between XXXX XXXX. I returned the item which should have taken the charge off of my account and brought the balance to {$0.00}. Instead I started receiving calls that I owe {$25.00}. I explained that I returned the item and stopped receiving calls for a while. Then I started receiving repeated calls and texts to my cell phone from condemnity bank several times a day, repeatedly. Finally my attorney sent a letter asking for the calls and texts to stop. They stopped for a little while but shortly started again. They call back to back from cell phone to house phone. They send several letter in a loud pink envelope saying I owe over {$100.00}. A large increase from the {$25.00} dollars that they wrongfully accused me of previously. 

I also received several different threatening voicemails. They often call from anonymous or unknown numbers. ( See attached )
On XX/XX/XXXX I received a call from XXXX. When I called the number back, I was told that it was XXXX XXXX XXXX. The rep said he was calling about a debt that I owed. I told him that I no longer owed the debt and had received a letter from the company stating that it was no longer owed. He became very rude. He told me that that couldn't be true. He said that there was a validation letter. I asked him for the validation letter, then he said that it was no longer available. I told him that I needed evidence of me owing the debt. He then became even more rude and asked why did I call if I didn't want to pay the debt. I continued to ask for validation. He then ignored me and said that he would speak to a manager about making a payment agreement. I hung up the phone because my question still hadn't been answered and I didn't ask for a payment agreement. Also, I haven't received a validation letter yet.
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.
Equifax and XXXX both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to Equifax by fax and received a confirmation that it went through, they're claiming they have not received it. XXXX  provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers Equifax # XXXX XXXX  # XXXX