WillisBack/dataset-financial-user-claim huggingface dataset:
Despite previous requests that mortgage servicer not contact me at work and the mortgage servicer having my personal phone number, Homebridge Financial Services has continued to contact me at work including leaving a voice message in my employer 's general voicemail.
I have asked Transunion to investigate and if not verifiable, delete negative information on my report. I have explain and shown Transunion the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Transunion has only send back a full credit report without any updates describing the outcome of the dispute.
I NOTICED A CHARGE OFF ACCOUNT WITH XXXX XXXX XXXX THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED XXXX XXXX  AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH XXXX XXXX. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX   DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED XXXX XXXX  BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
I went to the Wells Fargo ATM on XX/XX/2018 to deposit {$1900.00}. As instructed by the ATM i put all bills inside the deposit slot. The ATM asked if a deposit of 9 bills of XXXX for a total of XXXX was correct. I replied No and the ATM gave me back XXXX. I then left with the XXXX and called Wells Fargo ATM operations within 30 minutes to advise them of the error. Wells Fargo gave me a Claim # XXXX & They advised it could take up to 1 month to research the error. Within two weeks Wells Fargo applied a temporary credit of XXXX to my account while they completed there research. On XX/XX/2018 I received a Letter from Wells Fargo claiming that the research had been completed and there were no issues with the ATM & would be deducting {$1000.00} from my bank account. I called Wells Fargo to determine what research the completed and they said the ATM was checked for any jams and there were no jams. I asked if they had ran a register total for the ATM and the Wells Fargo Agent said she did not see any.. I asked if they had pulled the Video and the Agent said they had not. Since a full research had not been completed I went back to the Wells fargo bank and asked them to file a complaint since it was their ATM that failed and that a complete investigation needed to be completed. The Manager gave me the phone number for their Executive offices so I could call them.. I called Wells Fargo Executive Offices and they gave me a new Claim # XXXX. The agent said that they would try to get the video from the ATM and also see about the register as well. On XX/XX/2018 I received a Letter from Wells Fargo Operations complaint Management Office which claimed they were not able to determine a ATM malfunction. They claimed the ATM was balanced and no cash was found. Additionally they claimed that ATM Video will not determine the bills that were inserted or the ones returned so they will not be pulling the video. Needless to say I am out XXXX dollars and a complete investigation was not done. Furthermore I go on XXXX to find out that Wells Fargo was having a number of Deposit issues at the same time which included ATM 's and Phone Deposits via Scanning. It is my opinion that the Bank did not do all that was needed to complete a through investigation. Please help
I have been contacted by Conserve Inc. on and off by either phone or mail since XXXX of 2015, about a debt that my ex-husband assumed in our divorce. 

On XXXX/XXXX/2015 at XXXX I was contacted by phone by a woman named XXXX XXXX representing Conserve INC. After explaining my predicament, to yet another agent assigned to this debt, she advised me to write down the case # of the Conserve account and to write my full name, social security number, and include that I am not responsible for the debt, while she was telling me this, she put me on hold, came back on the line and told me she had given me false/wrong information and that I was being transferred to a XXXX XXXX XXXX . 

XXXX XXXX told me that the account has been opened for 6 months and that it needed to be settled and asked what I was going to do to settle it. I again told him that I was not responsible for the debt and asked them to either contact my ex-husband or send me original documentation. I was told in response to the documentation request that it was sent to another unknown collection agency and that to get me copies of the documentation would take too long to arrive and that I needed to settle the debt. I again informed XXXX XXXX that my name was n't associated with the loan and asked them to contact my ex-husband. XXXX XXXX then stated that when attempts were made to reach my ex-husband that he would either not answer or connect the line and not speak. XXXX XXXX insisted that I " should n't hold my breath '' waiting for my ex-husband to take care of the debt and that I should set up payments. I felt that XXXX XXXX statements were a threat directly to me, implying that I would immediately need to take care of the debt. 

I also understand that they are not allowed to discuss communications that they have with my ex-husband. Upon hearing that information from XXXX XXXX it caused me great alarm and stress. This loan is for over {$86000.00} and I feel I have worked with them and all I keep getting is threats to make them an offer. 

I have sent them a copy of all my financials and my divorce decree proving that they need to contact my ex-husband. I feel that their statements indicate that they are no longer attempting to contact my ex-husband and are only coming after me for this debt. I believe that XXXX XXXX is using scare tactics and bullying in an attempt to push me into paying a debt that is not mine.
I have contacted Transunion on more than one occasion to dispute the validity of the reporting of XXXX XXXX XXXX  listed under my credit file. They continue to simply mark this reporting as verified. However, another bureau 's investigation revealed XXXX XXXX XXXX   is not reporting a valid debt as there is no signed and dated Notice of Assignment from the original creditor. I would like to know what Notice of Assignment Transunion has seen that no one else has received? I took it a step further and sent Transunion a second request for removal and attaching a copy of the deleted reporting from the other bureau and still the reporting remains. I have already filed against XXXX XXXX XXXX for this reporting violation. It is only fair that I file against Transunion as well, since I have reached out multiple times in the last six months for them verify the compliance and validation for this error reporting under my name. Since this is not a new issue, I am only waiting 15 days ( XX/XX/2018 ) before I file a complaint with my Georgia 's Attorney General Office against Transunion for violating my rights as a consumer who has asked on numerous occasion that this reporting be properly verified. Others have found no validity, yet Transunion continue to say is it verified.
This is the 2nd complaint about the same, unresolved issue. Let me start by stating that I do not think all the parties at SunTrust Bank are addressing or communicating with each other over this issue. The first problem comes into play that I did place a charge in XXXX XXXX for {$160.00}. Upon deciding that I did not want the service and did not like what was provided, I decided to contact XXXX XXXX and let them know to remove the charge. Between XXXX and portions of XXXX, I requested the merchant, XXXX XXXX, to remove the charge. Upon speaking with several of the representatives, the first of which promised to remove the charge, I thought this issue would be resolved. Not only was the money not refunded to me, but I was advised to take up this issue with my bank, SunTrust. I contacted SunTrust Bank on XXXX/XXXX/XXXX to place a formal dispute on the charge for {$160.00}. Once the dispute was placed, it took a very long time for credit to be issued. After contacting this agency and threatening with contacting the state attorney general, SunTrust issued the credit. The first complaint in reference to this was closed out when I spoke with XXXX at SunTrust. XXXX assured me that the dispute was closed in XXXX and the credit of {$160.00} was permanent. I assumed with the complaint being permanent, the money was mine and it was in the account. In XXXX XXXX, I received another letter from SunTrust Bank advising that the merchant responded to my dispute and was requesting that I provided the refund policy and other information to SunTrust in reference to the amount. We are already hitting the 4 month mark on this dispute and the unclear, XXXX letter from XXXX at SunTrust made this issue sound like it was far from closed. The money has been utilized for the {$160.00} and being told, after the 1st complaint against SunTrust, tells me there is a lack of communication between the Debit Card Fraud group and the executive group that handles these complaints. I have tried to call XXXX back on several occasions and I have left voice mails with her and in the general mailbox with no calls back. I was advised that I had to respond by XXXX/XXXX/XXXX in reference. I have no idea what I am responding to as I thought this issue was closed. This is causing a lot of aggravation, frustration, and an extreme feelings of disgust. SunTrust needs to get their act together. 

Thank you XXXX
I was denied credit based on information that Equifax furnished XXXX. I will attach that information. I printed out my credit score from XXXX different agencies on the same day. XXXX credit agency said my Transunion credit score was XXXX and XXXX said my credit score was XXXX. None of the information at Equifax is correct and because of that I was denied critically needed credit. The information credit report is not reliable but it is life-altering. What each of the agencies report when the offer a XXXX credit scores at once deal, is not even remotely accurate. I am attaching snapshots/PDFs of credit reports reported on the same day. Note the difference. Also when I got individual report, my Experian credit score was closer to XXXX. This service is off completely. Also I had a huge problem getting free reports so I have had to pay for each of these more than once. Also on my identity verification quiz, these credit bureaus put in questions about people who were subsequent owners of a home I had. I do n't know them, I have no relationship to them. I had to guess XXXX XXXX 's birthday. I do n't know her.
On   XXXX   XXXX   I noticed an increase on my mortgage payments and I did n't know why. I called and called many times to  Ocwen  to explain to me why was there an increase on my monthly mortgage payments. To no avail I stopped making my mortgage payments because they were n't affordable due to the increase. On   XXXX   XXXX   XXXX   there was an event conducted by Ocwen to help homeowners that are struggling with their mortgage payments so I attended to this event and spoke to Ocwen face to face and explained to them that I wanted an explanation to why my payment increased and also wanted a modification to lower my payments. The representative that I spoke to that day said that they were n't going to be able to do much for me because i 'm paying a lot of property taxes and that I had to work with my property tax assessors office to see why my property taxes are high. So I went with my to the assessors office and explained to them what my mortgage company had said about my property taxes and they could not figure out why Ocwen said what they said, that there was no increase on the property. At this point I felt confused, So I submitted all of my paper work for a modification and I was denied due to my account being delinquent more than 90 days and second they could not achieve a 20 % of the payment reduction. I was late due to my payment increased and could not get an answer to why my payments increased. And that these decisions were made my the investors g uidelines. So then I went to seek help from a Hud counselor to see what they can do for me. My Hud counselo  XXXX  started making phone calls to  Ocwen  until she figured out why there was an increase to my payments becuase something was n't adding up, until she was trans ferred to department to department she finally got someone that was able to help her. We were explained the reason why the increase and it was due to me having two parcels in one lot. We both looked at each other confused like what we never heard such thing. So we said okay and we ended up calling our tax assessors office to confirm abou t the  XXXX  parcels. One parcel was mine  XXXX  and the second  one   XXXX  belonged to my neighbor. So all along Ocwen was having me pay my neighbors property taxes and no one at Ocwen had the nerve to correct this error. This was the reason why my payments increased. So we called  Ocwen  again and explained to them about the situation that they made was a huge error on their part and that it needed to be fixed right away. My property will be in default soon due to this error and they have failed to provide me with an accurate and reasonable resolution.
I have reached out to PNC on XXXX separate occasions, over a 1 year period to attempt to obtain a modification. The HELOC is the only loan on the property. When the HELOC was obtained PNC incorrectly assessed the value of the property to obtain a larger line of credit. The property value is currently XXXX and the HELOC due is XXXX. Our income has greatly reduced and PNC has been unfairly charging us our monthly payment. They have been charging more than required, in an effort to force default on the HELOC. When we have contacted PNC I have been told a modification is not an option and if I do n't agree I can submit a request in writing and receive a response in 120 days.
I was part of a XXXX.settlement : Consent Order AP File No. XXXX ( See attachment ) On XXXX XXXX I called and spoke to a service person at the XXXX number listed on the letter because the email address listed was not working. I was told that I will be receiving a check in the amount of {$490.00} and I I have not received the check. I called today to check the s status and was told that I need to place the status request using the email : XXXXXXXXXXXX. I did that and I received a response stating the email is no longer being monitored and I need to call the number XXXX. 
So I called again and this time I was told I need to contact the CFPB because XXXX does n't have check status info. I called your agency and was told I need to get the info from XXXX. I want to file a complaint and have you research this matter on my behalf because I believe there is fraudulent activity taking place since I have no check and I ca n't get any info from them. Please look into this and respond back to me ASAP with an update. 
Thank you.
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX almost XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. now that Im an adult I was turned down for credit because of a utility bill that was put on my report back then before I was XXXX. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and dont sell XXXX or anything like that my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.
On XXXX/XXXX/15 my husband received a call from Riexinger and Associates asking for me. I did speak with representative who stated she had been retained to handle debt ( old XXXX account that had been purchased several times over ). I asked rep. who the attorney was. She stated this is Riexinger and Associates. I said yes, you stated you had been retained. Who is lawyer. She repeated same statement. Mind you she had not verified who I was at all. Most companies will ask SS # address etc. She just kept talking. I said to her so you are a collection company not an attorney and she said yes. I proceeded to hand up due to rep. making false and intimidating tactics.
I have filed complain with all XXXX credit bureau 90 days a go and still have n't gotany reply back
On the XXXX of XX/XX/XXXX I attempted to close a real estate transaction at XXXX XXXX ( XXXX ) of XXXX VA. The transaction involved two lots ( tax map numbers ) and it was brought to my attention by the previous owner at closing that XXXX XXXX had forgotten to include one of the lots. The loan in question was correct as was the paperwork accompanying it, listing the two parcels in the sale on one loan. The originally quoted escrow and monthly payment were not correct due to the errors on behalf of XXXX title, the closing documents and calculations were prepared by XXXX XXXX, a representative of XXXX XXXX. After closing we were contacted by XXXX and advised of this error on their part as well as advised that the previously quoted amounts were incorrect and would be considerably higher due to their mistakes. After the first taxable period passed I was contacted by XXXX County representatives advising me the taxes had not been paid on one of the parcels. I contacted XXXX XXXX as well as Arvest mortgage multiple times to attempt to correct the problem. After speaking with both at length, I was advised the problem was corrected. Today, XX/XX/XXXX, I was contacted again by XXXX County advising me the taxes on the 2nd parcel had not been paid since the date of purchase and due to this, had accrued large penalty fees as well as interest fees at each billing cycle. Two years into this real estate transaction a large portion of the paperwork remains incorrect. I contacted Arvest Mortgage and advised them of the delinquency notices, they state the deed they received from XXXX XXXX only lists one parcel and are collecting and paying escrow based off the information received from XXXX XXXX. They only list one parcel and have not received any corrected information from XXXX XXXX since the date of the transaction. There is currently {$570.00} listed in delinquent penalties and interest due to paperwork errors on XXXX XXXX 's behalf but in my name as well as {$3200.00} owed in unpaid taxes totaling {$4100.00}. After my initial inquiry with XXXX XXXX as well as XXXX County I am under the impression they ( XXXX XXXX, XXXX VA ) are incapable of correcting their mistakes at my personal expense. I was advised by my loan officer on this transaction to file a complaint with the consumer financial protection bureau after multiple attempts contacting them to correct the problem.
I am one of the possibly affected 143 Million people in the recent Equifax Security Breach. Their conduct and handling of this situation is unacceptable, especially the sale of stock by their executives days before the breach went public.
Company - XXXX XX/XX/2017 received a bill for {$1.00} and XXXX   Contacted Chase Credit Card disputing charge and was refunded {$19.00}. Afterwards I have been billed 3 times for a service I did not request. I have no record of requesting this service from XXXX.

I have called a XXXX  XXXX  and they ask for information i.e : name, address and last 4 digits of social in order to find the account, however they continued to ask for more information. I became uncomfortable giving them more personal information and refused to provide the information to them. They then told me they needed more information to help me close the account.

I would like to have all the money refunded to me and stop payment to XXXX.

Please - HELP!
I attempted to open a checking account with Chase bank today, XX/XX/XXXX. I got a declination letter stating that there was something on my consumer credit report stopping Chase from granting me an account. Let me also mention that Chase is the holder of my automobile loan, originated XX/XX/XXXX. I was given the number to XXXX to contact them with questions. I called XXXX and was told that they can not tell me what is causing the bank to decline my application. They offered to mail a credit report. I then called Chase to see what is causing the application to be declined. They were very accusatory and told me that I needed to contact the credit bureau, which I had already done before calling them. I also went into a Chase bank branch, where I was also not told anything. How is it that neither agency knows anything, but has all of my information? Why do I have to provide all of my information to XXXX to prove my identity, but they give me absolutely no information. As a consumer, this is a horrible experience and leads me to believe that there is fraud on the account. No one will tell me anything when it comes to my credit and I am very upset. My credit score is between XXXX. I monitor my credit weekly, so I felt that I was clear on what was reporting on my credit. Why do we trust the credit reporting agencies if they are not here to help us? I am begging for help to find out what is going on and I'm just being told to review the credit report and dispute anything that is incorrect. But I don't even know what I am disputing. I am furious.
I have been trying to get my IBR renewed since XXXX Navient repeatedly denied having the applications ( I was asked to resend them 3 times ) Over 6 phone calls were made to Navient and each time I was given a different direction to resubmit a lost application or go into forebearance which I was forced to do.Today I was told I checked the wrong box on page XXXXof the application and I need to send the page XXXX in again and was put in forebearance until the matter was settled.This is almost 6 months of false information.I was also told that they would not take into consideration for recalculation ( if I ever get it ) that I also have a private loan.They have always taken that into consideration in the past.I need help.It 's like dealing with a maze of untruths please help me.
This company lied to me about including my escrow in my mortgage despite verbal consent by the mortgage provider that I was not going to have the mortgage and property taxes included in escrow. When they said they were going to work on resolving the issue, instead they sold my mortgage to another bank with the escrow. Then XXXX said he would refinance me at no charge to remedy the situation, yet, after that, he stopped responding to any calls or attempts to communicate with him. This company is deceitful and misleading, and promises things that they do not hold up.