WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX,17 I am restricted from accessing my credit report online or speaking to anyone other than one individual with Experian. named XXXX XXXX at a number that is not toll free. 
I am unable to place a dispute with anyone other than her. I requested a supervisor but was told one is not available. I was instructed not to record the call or she would terminate the conversation per company policy. I am restricted to a special handling department and am not allowed access to any other method. 

they are violating my rights and refuse to remove a fraud alert unless I provide my driver 's license but yet discussed my entire file without verifying my identity based on a report number alone. 

I have documentary evidence from creditors reflecting accounts are not being reported correctly yet my investigation results show all of my accounts were verified as accurate. additionally, my personal info was misspelled, transposed, duplicated, and inquiries were placed that had no permissible purpose which XXXX told me to contact the creditor eve though the acct was removed.
XXXX XXXX states that they have tried to reach me. We have not heard from them although we are in the office everyday XXXX.I called the XXXX XXXX escalation department XXXX/XXXX/2015 and left a message. This is real simple have XXXX XXXX XXXX dispatch on their letterhead that they have requested this to be removed from my credit reports as XXXX, Equifax , XXXX. In correspondence from the actual representative XXXX XXXX she specifically uses the word rescind.Lettters from all credit companies state XXXX XXXX says it is reported right. So it has become a finger pointing game. Everything i am stating is in black and white.
I received a phone call from gulf coast collection agency about a debt they said I owed. I said that I was the person that they were looking for and asked what the debt was about. he asked for personal information which I would n't provide unless he told me what the debt was and told him again that I was the person and he called me and without him verifying information I could n't give him any personal information at which time he said unless I gave him personal information he would hang up which he did and then posted negative information on my credit report. I want the negative information removed from all reports.
The loan just reset after a modification. The first new statement dated XXXX had a different balance showing on the second page {$210000.00} than on the first page {$220000.00}. The finance charge showing of {$860.00} is not correct for the balance showing fo {$190000.00} at the stated interest rate of 5.25 % APR. The second statement dated XXXX shows a different balance of {$25000.00} on the first page than the balance of {$17000.00} on the second page. There seems to be a phantom amount owing of about {$7000.00} that is not showing on my statement. I am not sure what this amount is, whether I am being charged interest on it and if so what the interest rate is. Thanks,
In  XX/XX/XXXX , I had my Identity stolen and the person opened   XXXX   accounts,   XXXX    with   XXXX   XXXX   XXXX   and the other with  XXXX . I discovered the theft in  XX/XX/XXXX  when the thief tried to secure a copy of my current credit card (  XXXX  ). I immediately contacted   XXXX   XXXX   XXXX   and  XXXX  and opened investigations with each.
 XXXX 
The thief had gotten a credit card from   XXXX   XXXX   XXXX   and used it to make several purchases in their city. The thief did not use the   XXXX   credit card nor activated the credit card. Once they hit the credit card limit with   XXXX   XXXX   XXXX  , they called  XXXX  to transfer funds into the   XXXX   XXXX   XXXX   account so they could continue using the  XXXX  card. The thief transfer funds from   XXXX   twice. When I spoke to  XXXX , they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
 XXXX 
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
 XXXX 
  XXXX   XXXX   XXXX   completed their investigation and found the account was a case of Identity theft and released me of the debt. However,  XXXX  declined my case and continued to harass me and my family. I submitted another letter to  XXXX  along with a copy of the release letter from   XXXX   XXXX   XXXX  .  XXXX  did not response to my letter, but submitted my case/debt to Northstar Location Service, LCC ( a debt collector ). Now I am getting harassed by Northstar. I have discussed the issues with   XXXX    multiple times over the phone, submitted multiple reports, and bank documents.   XXXX   continues to seek funds for an account I did not open.
My home mortgage is with CitiMortgage, I 've submitted financials andrequest for mortgage modification several times. My home has a property foreclosure sale date for XXXX XXXX, 2015. I am a XXXX Veteran I have served my countryfaithfully and I am disappointed with the way I 'm being treated regardingassistance to keep my home. I want to keep my property. PLEASEPLEASE PLEASE help me
I currently have an complaint pending against the company. As stated in my intial complaint. This account settled by my health insurance and i have been writing to each of the credit bureaus about this account since XX/XX/XXXX. I had Insurance! I was covered by my parents policy XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and have held XXXX insurance of which I was covered under up until I was XXXX yrs of age ( XX/XX/XXXX ). I acquired my own insurance in XX/XX/XXXX when i turned XXXX yrs of age.
I have contacted Transunion multiple times via phone and mail regarding unauthorized inquiries on my credit report. I have not given any company permissible purpose to check my credit. I have not be able to resolve this with Transunion, I have notified them several times that I did not apply for any products or services. By reporting these Transunion is violating the fair credit reporting act. I was able to resolve this issue with both XXXX as well as XXXX. These inquires should be removed as soon as possible due to inaccurate reporting. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
I contacted Experian, sent them a copy of my drivers license and social security card, they are currently reporting XXXX total different social security numbers to my credit report however only XXXX of them which are off by XXXX digit belong to me. After sending them proof of my social security card I was assured that the combined information would be removed but it has not. 

These accounts include : XXXX XXXX XXXX XXXX XXXX- XXXX for XXXX, I currently have XXXX there is now way I owe XXXX a bill XXXX : checked both accounts, confirmed with them neither are under my social XXXX- called XXXX XXXX directly. I only have XXXX bill with them for a different balance this account does not match my information.
The following information either TransUnion or XXXX are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either TransUnion or XXXX is showing the same XXXX account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
.
Stonegate Mortgage Servicing has been rude and abusive to my inquiry on escrow/tax refunds due to me. Said they would call me back but I have had to keep calling to inquire through this process. I was told only XXXX manager was in today and could not speak to me. This is a separate issue but they only have XXXX manager for the entire servicing office that can handle escalated matters? Sounds like they are understaffed to handle sensitive issues and escalated matters properly. So, they received a check of my returned funds back from XXXX, their vendor partner, on a double payment and deposited those funds on XXXX XXXX. I called back a week later and was told they were not processing my funds until sometime in XXXX? They can process funds in 1 day from their own vendor partner but it takes 18 days to return funds to a consumer? Why so long? This is unfair to me and other consumers.
I have XXXX student loans adding up to over {$62000.00} with Wells Fargo Bank. My mother consigned one of the loans and almost 3 years ago I had called the bank to ask how to remove her as my cosigner so to ease my overall student debt through consolidation. The representative told me that I would need to make three years of {$650.00} monthly payments to have my mother removed as my cosigner. I continued making payment for 12 more months before I fell into strapped financial times, so I called the bank and recieved permission for a two month forbearance from the bank. I found out shortly after making another 12 month payment after that forbearance that the clock was reset on my loan payments so I would need to make another 2 years of consistent monthly payments. It seemed like this was misleading that I was not told that if at any time I chose to go into forbearance that my payment timeline to remove my mother as a cosigner for XXXX of XXXX loans would be reset. 
Wells Fargo Bank does not offer any other alternative for me to ease the burden of my student loan payments as the option I always receive from representatives are : 1. ) can you consolidate ( I can not do this option because that would require a cosigner- the only person of which is my mother who can not be used as a cosigner until she is removed from original loan ), 2. ) go into forbearance ( I can only do this option for 2 months effectively upping my interest balance while resetting the clock on the time it would take to remove my mother from original loan ), 3. ) cosigner would need to me payment if I could not. 
Having only 3 none useable options to ease such a large debt with such a high monthly balance is wrong and something should be done.
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2.  VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED  COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX
as you can see all the dates on this account are wrong i want to to be deleted name : XXXX XXXX XXXX SS # XXXX
I have not been paid by XXXX XXXX investor Vendors, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX c/o XXXX XXXX, and XXXX XXXX, for XXXX XXXX  XXXX XXXX that started XX/XX/03, & is now traded on Stock Market, as shown in emails sent to me from XXXX XXXX, et al., under STOCK.I.D. named stc.They change their stock I.d . and business name or structure between emails to continue the fraud trading, buying, selling, competing with my stock.
I have a loan with Zia Finance. I told them a couple months ago that I would pay them as soon as I could. My wife is XXXX and to us paying her XXXX bills is our priority. They constantly call my wife, all my references, and myself at least 10 times a day. They call back to back non stop. I have told them before not to be continuously calling because I am at work and can not speak on the phone. They continue to harass me. They have called my boss before and I told them not to be calling him. Today XXXX/XXXX/2015 they showed up at my work and told my boss that I owe money and they cant get a hold of me so they need all my information. On Friday a woman showed up to my home, like they do everyday, and my wife had a sign on the door saying that our newborn was sleeping and not to knock. The lady started knocking as loud as she could and my wife went to the door and asked her if she read the sign because she woke up the baby. The lady said " Yes I read it but I do n't care, XXXX needs to pay his bills ''. The lady then threw the paper stating the amount owed in my wife 's face. My wife went outside and told her to leave. She went to sit in her truck and said she did n't have to leave and just kept repeating " Tell XXXX to pay his bills ''. My wife also mentioned that whoever came by the day before tore our screen door trying to shove the paper into it. She then stated that " If XXXX paid his bills that would n't happen ''. I am being harassed by them everyday. They told me they are allowed to call and show up as much as they want!
I was informed of an XXXX XXXX XXXX balance of over {$4000.00} that was effect in XX/XX/2012 on my credit and I knew nothing about it when I was trying to rent home and buy a car. I have been trying to reach XXXX XXXX and I have been told they are out of business, I don't even know if that is true. The company Kimball , Tirey & St. John LLP XXXX XXXX says they can not provide me with the original creditors info as that is their client. First of all this should never have gone to an eviction on my credit, I was never aware of any judgement to pay this, and XXXX XXXX told me the address they had to send me info was on I had not lived there in 20 years! This is why I am suspicious of this company and there info. I asked that I make minimal payments after they threatened wage garnishment and they said no. I should not even be responsible to pay this debt. To my knowledge this debt is time barred and I don't even know that if I paid this debt, it would resolve it. I don't know if the original creditor would come after me. The amount they say owed is {$4900.00}. I paid my last month rent to the property and left my deposit!!! I don't even see how I owe anything to begin with, and i cant find the property management company to discuss and see proof of anything. Now they are threatening to garnish my wages and that threatens my livelihood. Why cant they settle with me at least I am trying to pay even though I know I don't owe this debt. I just want it off my credit, which I have disputed. What can I do?
Due to negligence on the part of Equifax, and allowing my personal information to be released without authorization, I am spending my time attempting to mitigate the potential losses from this company 's negligence. I have been shuffled from online to phone numbers which do n't answer, and also to a web site explaining that I now need to pay them to protect my data after their breach. On behalf of myself and all my family members, this unacceptable! You should be paying me for my time to attempt and hopefully fix your problem.!
XXXX XXXX, Ga. XXXX Acct # XXXX. 
I have sent Captial One letter regarding my account, which they claim my account was charged off {$720.00}. I requesting validation, made pursuant to the Fair Debt Collection Practices Act. I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports, from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fait Debt Collection Practices Act.
I graduated with a XXXX 's in 2012. How the school handled the financial aid in the first place is another story. However, I graduated with a substantial amount of debt. Since graduating, I have been on an IBR. I believe I went into forbearance 2 times. I do not miss payments and often pay more than the minimum due. However, I have noticed that my total student loan balance continues to increase by about {$300.00} every month. I have been told it was interest- which is why I try to pay more than the minimum when I am able. If I go in and assign how a payment is allocated, the payments automatically generated are less than half of the balance that increases each month. I now owe a few grand more than when I graduated 6 years ago despite being on good terms the entire time. I see this on my credit report and it's very daunting being a single mother with XXXX kids and still sinking every month despite paying more than what is asked of you.
Navient deceived us disallowing my son to make payments on the loan over the minimum and told him that I could not be removed as the co-signer. Navient told him they could not set up auto payments up out of an account in his name. This has resulted in them reporting late payments without sending me the parent any notice of the delinquency, the account became 90 days past due.. During the life of the loan not one payment came from me or my account ( s ).
Citibank continues to lie and stall about my closed account. They cashed XXXX checks and told me they never received them, even accused me of lying. The checks were sent to their XXXX department. I have the banking statements. My Congressmen XXXX XXXX 's office has been assisting in this matter. Since their intervention in XXXX Citi apologized but soon after reneged. Now Citi has gotten very retaliatory. Not only have they reneged on their agreement to settle for a lower amount they now increased it. They are crooks and the world knows it!
Harley Davidson has been closed since 2017, furthermore account was transferred to XXXX XXXX XXXX   in XXXX. Both Harley and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.
I leased a property from XXXXXXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I provided 30 day notice that I intended to vacate the property. I vacated the property on XX/XX/XXXX as agreed to by the management company. I competed a final walk through with the managements representative XXXX XXXX. I arranged for utilities to be disconnected and returned the keys. The property owner and the management company disagreed on who was able to give permission for the family room & dining room to be painted ( management said it was fine, owner didn't like the color ). XXXX XXXX and I agreed that my security deposit would be retained to have the rooms repainted. At no time were rent aarrears or a trash fee discussed. I paid as agreed each month. I was never late, I was never served with an eviction notice, no judgement was ever filled, I was never served with a notice of an outstanding balance. I have written numerous letters to the management company, credit reporting agencies, and the collection company that this debt is not accurate. I have requested all records pertaining to this property including payments, notices, maintenance request and no documents have been produced. In one response Professional Debt Mediation stated " Accordingly, we discontinued using any means or device to collect this delinquent account ''. Yet, they still falsely report this inaccurate information. This derogatory account has prevented me from obtaining employment, credit cards, car loans, and I have been advised I am unable to secure a new rental property. Please, help me get this removed. Thank you.
I received an Escrow Account History correspondence dated XXXX/XXXX/XXXX with an itemized accounting for my XXXX escrow payments with US Bank Mortgage account # XXXX. The escrow correspondence has incorrect accounting on it and when I called US Bank Mortgage, today XXXX/XXXX/XXXX at about XXXX PST to XXXX, the phone rep ( XXXX? ) told me the itemized accounting on this escrow correspondence is not correct. On the escrow correspondence it says XXXX/XXXX/XXXX had {$0.00} actual payments to escrow. However, I made the full payment in XXXX XXXX which included money that was supposed to be deposited to escrow. The phone rep had no explanation for why this letter is wrong. He instead told me he would send me a detailed payment history for XXXX which " shows '' I did in fact pay XXXX, and he also said that the detailed payment history will say that the bank did put the money into escrow. I told the rep that I need an updated/corrected annual Escrow Account History correspondence with the accurate records for all of XXXX, which matches the detailed payment history he described -to show, in fact, US Bank did apply the escrow money correctly. The rep said he can not resend me the yearly Escrow Account History with the correction, nor could the rep send me something in writing acknowledging their error and clearly reflecting the correct accounting record. WHAT I NEED : Essentially, I want proof that US Bank applied the correct " actual '' escrow for all of my monthly payments in XXXX ; basically a corrected version of the Escrow Account History correspondence for XXXX. DOCUMENTS : I am attaching a picture of the itemized lines from the Escrow Account History correspondence which shows the " Actual '' " Payments to Escrow '' was {$0.00} for XXXX/XXXX/XXXX. Also, attaching the monthly statements for my mortgage for XXXX and XXXX XXXX, to show that I made the payments and that their payment records reflect indeed an " actual '' payment to escrow should have taken place.
I did not receive my regular monthly billing statement for my XXXX XXXX XXXX backed credit card account. Upon receiving notification from the company that the payment was late via telephone, I traced my email records and found they did not send the statement. I contacted the company to resolve the issue and THEY CONFIRMED they had an issue sending the statement and that it did not go out that month. Even after admitting the company had an issue, they refused to refund me the late fees. Therefore, I requested the amount due minus the late fees and paid that amount in full. The remaining amount on the account is 100 % late fees charged to me but are a result of a technical issue which prevented the company from sending me my monthly statement. 

The XXXX XXXX XXXX representative admitted it was an issue caused by the system of the company and not my fault. I refuse to pay a late fee to them as I was not to blame. I paid off my account balance in full and the remaining amount is the unwarranted late fees which I am disputing. Please help me resolve this issue and remove this false claim reflecting negatively against my credit worthiness. 

Thank you in advance for your assistance.
1. My loan has been improperly calculated under the IBR XXXX % repayment program since XX/XX/XXXX. Specifically the providor used my gross income instead of my adjusted gross income. Upon contacting them they promised to review the loan within 30 days, to date they have not. 

2. I requested to be switched into the new REPAYE program on XXXX/XXXX/15, to date I have not been switched even though I qualify. To date they have not honored my request.