WillisBack/dataset-financial-user-claim huggingface dataset:
This company is calling from a private number, calling starting a conversation as though a friend is calling, there is no information about this company being a debt collection agency. They are falsely representing themselves and calling very frequestly.
Manager at Security Finance released third party information about my loan to my ex wife. When I spoke to manager about this, she git attitude with me and told me she is within her rights since my loan was past due.
I deposited a stipend check from the University XXXX XXXX via Bank of America ATM in the amount of {$2100.00} on XXXX XXXX, XXXX at around XXXX pm pacific time zone. After finishing my transaction, I was notified that the funds would not be available to me until XXXX XXXX, XXXX at XXXX am central time zone. I spoke to a bank teller and a customer service specialist on the phone and they would not release the hold on these funds. I normally receive this exact amount of money, for about 2 years straight, each month via direct electronic deposit from the University. I had to deposit a check this month because the accounting department had been delayed in issuing the electronic deposits this month and I wanted to have money in my account on the first of the month.
The collection company by the name of " MCM '' or " Midland Credit Management , Inc. '' has been threatening to sue me for debt that is way past my states statute of limitations. I wrote them a letter to stop harassing me or I would take further action. They ignored me and sent me another letter. I am now contacting the CFPB for their assistance to help me get these leeches away from me.
I requested my credit report from Equifax and Experian around XXXX XXXX, XXXX. In the reports from Equifax and Experian, I found several mistakes : 1, In both, there are two XXXX credit cards but only one is actually mine. 
2, In Experian, there are two reported names but I only use one name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only one card associated with my social and name. Somewhat relieved, I filed two disputes with Equifax and XXXX in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of Equifax and XXXX  because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again yesterday ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have one credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/equifax provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not XXXX. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because XXXX/Equifax would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from XXXX/Equifax.
was put on a creditcard as other user but had my own card with same company and now its showing up on my credit report as bad credit when I never used it.
In XX/XX/XXXX, I made an accelerated principle payment on my mortgage (then serviced by XXXX) in the amount of $XXXX (proof attached in XX/XX/XXXX letter).  In XX/XX/XXXX, I made another accelerated principle payment on my mortgage (then serviced by XXXX) in the amount of $XXXX  (proof attached in XX/XX/XXXX letter). Total of accelerated payments = $XXXX.  SPS (Select Portfolio Servicing, Inc.) is my current loan service provider.  In the past year, I've tried multiple times via phone calls to SPS Customer Service to evaluate how these accelerated payments will affect my ultimate payoff date (not maturity date).  SPS not once acknowledged that these accelerated payments had been made, gave me no guidance, and simply stated that the maturity date remains XX/XX/XXXX.  Therefore, I wrote a formal letter on XX/XX/XXXX (attached) of this year asking for assistance with my situation.  SPS wrote back on XX/XX/XXXX (attached) saying in part, that they could not give an "exact" payoff date due to the Adjustable Rate on my loan.  Please note, I did not ask SPS for an exact date in my XX/XX/XXXX correspondence.  On XX/XX/XXXX, I again responded (attached) asking SPS to acknowledge the accelerated payments and account for them, as well.  In addition, I requested assistance in estimating a reasonable payoff date.  On XX/XX/XXXX and XX/XX/XXXX, SPS responded (attached) in part, saying that they had already addressed my issues and considered the matter closed.
case # XXXX Shellpoint Mortgage sent the power of attorney from the wrong company. It should have been XXXX XXXX not XXXX
Have tried to close my Regions bank account for over a week. Called again on Saturday  XXXX  and was told it was closed. I check today  XXXX  and voila it 's magically opened again and I was charged another {$8.00} service fee. Called them today and was told that the fee that posted yesterday   XXXX   automatically opened the account back up! I ca n't close because the fee is pending. This is absolutely ridiculous!
I got a loan from XXXX. this loan was sold to green tree. Green tree then foreclosed on the loan and took possession of the property and sold it. they then sold the loan to Ditech. Ditech sent me a XXXX form to pay taxes on a loan that was foreclosed and stayed on my credit report for 10 years.
In XXXX 2015, we suffered damage to our home, which resulted in an insurance claim being filed and reimbursement received. The reimbursement check from the insurance company was made payable to us as the homeowners and to the mortgage company, Nationstar Mortgage. On XXXX XXXX, 2015, we sent the check to Nationstar Mortgage for endorsement. Prior to mailing the check, I contacted Nationstar Mortgage as to the proper protocol to be followed when submitting this sort of check. I was not given any specific instructions other than a mailing address. In order to streamline the process, I thought it would be prudent to send an entire binder of information relating to this claim - paid invoices, the insurance appraisal report, a complete explanation of what damage had been incurred and the remaining work necessary in order to restore our property. I was told by Nationstar that they would contact me within two days regarding the check and the claim. 
The check and related information were delivered to Nationstar on XXXX XXXX, 2015, as evidenced by the USPS tracking information. 
We were not contacted by Nationstar within their two day promised window. Rather, they contacted us on XXXX XXXX, 2015. The representative we spoke with was completely ignorant of the situation and did not understand anything about the documents which Nationstar received. As a result, she " rejected '' the documents and did not proceed with processing the claim. The inspection was cancelled and the claim check was left with Nationstar to languish in their system. We requested to speak with a supervisor and to have the inspection rescheduled. The representative assured us that a supervisor would call us and that the final inspection would be scheduled within the next day or two. 
By XXXX XXXX, we had received no call back from the supervisor nor were we contacted to schedule an inspection. I again called Nationstar and again the representative I spoke with was unfamiliar with the claim. She could see in the file notes that the inspection was cancelled and not rescheduled and that certain documents had been rejected. I again had to clarify the documents for her and after I explained the relevance of the related paperwork, she agreed to reschedule the inspection and accept the reports which I provided. She also informed me that the insurance reimbursement check was being returned to me for another endorsement ( from the insurance adjusting firm ) before Nationstar would accept it. 
Nationstar is extremely difficult to deal with because their customer service representatives do not understand the entire process nor do they communicate to you what is needed to complete the process. We have repair bills which need to be paid from this insurance reimbursement and Nationstar is holding up our money through their sheer and complete incompetency. They do not adhere to their promises nor their verbal representations. We have bills which must be paid through this insurance reimbursement check and due to Nationstar 's negligence, we are unable to pay them. Everytime we call them, we get the runaround. I have spent hours on the phone trying to resolve this issue.
I open and close a chase XXXX XXXX  for one week and did not use it and call customer service to cancel the account and to remove from my credit report and chase would not remove from credit report. I never use the credit card and was told that if i cancel the card then i can apply for the other product chase XXXX XXXX ( which is the one want to get ). After cancelation happen with the preferred ... chase lending department said i'm over my limit of there XX/XX/XXXX rule that i can't apply for another card due to i hit there are open 5 credit card within 2 yrs including the one that i just cancel and never use.
I have a student loan that is now with XXXX XXXX XXXX and I am making payments to avoid the garnishment they are trying to file. I believe that my statue of limitations were up prior to collecting payments. I have also asked for documents on the student loan and they have n't been able to provide me with the correct documents.
Several months back I went to Experian to get a copy of my credit report for my husband myself, using XXXX of my credit cards. Over the last 9 months Experian has been charging my card for a monthly membership fee that I was unaware of in the amount of {$43.00} a month. They automatically enrolled me and my husband in a monthly membership without my knowledge or consent. The only reason I did n't discover it until recently is because I put that card away and was trying to pay it off. When I realized the balance was going up instead of decreasing, I checked my online statements and realized what Experian had been doing. When I called to dispute it. They said that it was an automatic enrollment and I was out of luck. I had to jump through a bunch of hoops to cancel it getting my credit card company involved to assist me. They 've charged my card {$350.00} over the last nine months. I was so upset that they would do something so underhanded. I had no idea that they automatically enrolled me in a monthly membership. Saddest part is I thought they were supposed to protect the consumer not take advantage.
After honorably retiring from the military ( 20+years severed ) and another 16 years working as an XXXX in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a XXXX XXXX. A fee for each step XXXX, XXXX  and then XXXX, highest was required for best possible position for earning big commissions. The opening of the CiTi-credit card- XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for XXXX membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. XXXX XXXX as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) thousands of others effected. Close to an overall of {$110000.00} invested and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.
Hello, I have inquiries on my credit reports that I've never authorized. I don't have any accounts with these companies and these so called inquiries are affecting my credit score. Here 's a list of the inquiries that I didn't authorize. : 1 XXXX XXXX   via XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need to remove these inquiries so my credit score may increase.
Experian reports an open account on my credit report, that I am not aware of. The only information that I have is that it is most likely  XXXX , address only,   XXXX   XXXX    XXXX ,  XXXX   XXXX  South Dakota,  XXXX . I never had a citi card, only have  XXXX  credit card now, and it is not theirs. It is impossible to talk to a human at experian, and I could get no other information. Not even a telephone number. On the experian report, it shows as open.
I requested a Loan Modification at the end of XXXX 2016 beginning of XXXX 2016. They keep requesting the same documents over and over again. Extra check stubs and the same tax release form. Which I already completed and returned XXXX times. Per their website they still have n't gotten the documents. I know they have. I emailed and faxed and rcvd a confirmation page on the fax all XXXX times. They are stalling for time because the foreclosure hearing is next week. This is very frustrating for me. It should be a simple approval because all the documents and info is almost the same as it was a few years ago, so since we were approved a few years ago, we should be approved again. 
In addition, the tax document they keep saying is incomplete, it is completed just the same as the XXXX from 2 years ago ( I compared them ) and they accepted that one/
1 - I am being asked to pay XXXX a month that goes to XXXX of the principle for XXXX loan. I was not informed that XXXX was a fee each payout and that XXXX was interest each payment. I requested a freeze on my account and that I would make regular reasonable payments. To date no action was taken. 
2 - 10 days ago, following AdvancedFinancial Instructions, I revoked authorization from my checking account on XX/XX/2016. Today payment was withdrawn. ( Now I am a risk of not being able to pay my mortgage ). My bank is XXXX XXXX XXXX i am in Tennessee. What else can I do? I want to make manageable payments for a loan that was taken out during a tough time. I do n't want to declare bankruptcy and do not wish to close my bank account but am at a loss.
I never received notice or a medical bill from this alleged creditor XXXX XXXX for medical service 's that were possibly not billed to my insurance company. I have never received a bill from XXXX general for any medical bills. I request details of charges in collection and why I was not contacted with a medical bill prior to initiating a collection proceeding.
I have settled out of this account. The status of the account still states a balance and should have a XXXX balance and report as settled in full. Please update this so that lenders are provided the CORRECT and ACCURATE information that is NOT misleading.
In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified XXXX of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said XXXX would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.
I have paid my bill on time every month and it was never updated on my credit report. The loan is now completely paid out and the whole balance is still showing. This account should be closed with a {$0.00} balance.
I have disputed this on my credit report several times. 
Equifax ignores my requests and my attorney
We voluntarily surrerendered our   XXXX     XXXX   XXXX   in  XXXX  of 2016.Paid money to get it back in  XXXX  2016.the reason we surrender was because of very poor mecanical condition.within 7 months we invested {$13000.00} in repairs and it still needs {$4000.00} in repairs. My fiance and i are on  XXXX  (   XXXX   XXXX    ) . Paying out these kind of repair bills has set us behind on both vehicle loans.On  XXXX   XXXX  they reported the loan closed and status is collection/write off and we still have possesion of both vehicles .They have made no attempt to contact us by phone or mail and have never attempted to reposess either vehicles at any time. In the past we have follow all pay arrangements and they refuse to send monthly statements by mail or email and they refuse to provide written documentation of the arrangements.The company is credit acceptance .They have has several class action law suits filed against them. And some were won.
Account was in forbearance and was then reported as 90 days delinquent in XX/XX/XXXX and XX/XX/XXXX. Called to ask why this was reported and was blown off and told that there was nothing they could do..
Prior to XXXX, I was on an income-based repayment plan. When I had to submit documentation for renewal, they refused to accept it and my first notification was months later when they demanded payment that well exceeded my total monthly income. When contacted, they played word games and demanded specific wording to process my XXXX. I provided such, and was notified yesterday that I had new documents, but was unable to access them as there was no link on their website to do so, and the direct link in the email dropped me at a landing page. 

Today I got another demand for payment with a link that finally allowed me to view the documents, which apparently were about a refusal to process my XXXX as now that they had my documentation explicitly for the renewal of my XXXX, they claimed I did n't request an XXXX.
I have tried to resolve my escrow account with roundpoint mortgage mutilple times. They took over servicing in XX/XX/XXXX of 2015 and did not pay the second parcel. They refuse to fix the situation and I do n't know how to get this resolved.
I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

Equifax, XXXX & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX
I advised ChexSystems that I do not have any knowledge and that I did not authorize the following inquiries on my report.   1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  inquiry  dates- XX/XX/XXXX , XX/XX/XXXX ,    XX/XX/XXXX   ,  XX/XX/XXXX   ,  XX/XX/XXXX     2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  inquiry dates- XX/XX/XXXX ,  XX/XX/XXXX   ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX    Also the number of non derogatory records is incorrect. It shows  XXXX  on my report and I was told by a rep at Chexsystems that it would be corrected to  XXXX  since they have nothing in their systems showing anything derogatory.     Even though I do not owe any monies to Chexsystems, the above information make me appear to companies that I am a high risk regarding my credit worthiness. I have not been provided with any information that may link me to the above inquiries. I would like all of the inquiries removed from my file immediately.
They will not stop calling after telling them 3 times to stop. This time the lady XXXX got rude and began harassing me, saying " we do not even know who they are '' in a threatening tone.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXXXXXX XXXX XXXX, 2017 Dear : Consumer Financial Protection Bureau I 'm seeking assistance concerning my home equity loan with Bank of America. 
They 've changed the terms of the original signed contract between us without my consent, because I would not sign papers placing the Bank from a loan originating in XXXX 'to a lien position regarding my property years after they discovered on their part they 'd not done due diligence and grossly neglected to process the loan correctly. 
Then threatening and using bribery tactics which they carried out. Causing me financial damages including not issuing my XXXX interest deductions for the HELOC. As they 'd done previous to them realizing the mistake. 
I 've tried contacting the appropriate department within B of A for years now including written correspondence ( copies included here ) To which they responded with a generic form letter that has nothing to do with what I was requesting. 
I 've included, with this correspondence to you copies of my letter to B of A and the original letter they sent me regarding this issue. And other copies. 
Please help, as I do n't know what or who else to contact at this point. 
I 've always made my payments on time, never been late regarding this loan. And am current to date. 

Thank you, XXXX XXXX