WillisBack/dataset-financial-user-claim huggingface dataset:
Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have XXXX inquiries!
Briefly. In XXXX my incomplete loan modification was sold to Nationstar from XXXX. Additionally XXXX stop paying 1/2 the property taxes in XXXX. In XX/XX/XXXX my local tax collector arrived at my door with 24,000+ bill in hand. To Nationstars credit after 3 days of hysterical calls, they mailed out a check. Nationstar was reimbursed a portion by XXXX, of which they have no record. 
The payment did trigger a negative escrow starting at 11,000+, which I would have to repay. What I didnt get was any notice of an immediate doubled payment. From 1500+ to 2900+, that is asking a lot with no notice. After a year and try to achieve a realistic payment, they finally got down to a payment in XXXX to XXXX five year repayment. This number was to include interest, principle, escrow impounds for taxes and insurance, along with repayment. Thru XXXX and XXXXimpounds were paid and the negative escrow was down to XXXX. My tax collector contacted me in XX/XX/XXXX to inform me the last two payments had been missed. After multiple arguments and lies about payment with them they paid. Then added it to my escrow charging me additional fees, starting. XX/XX/XXXX for which they had already been paid. Initially I paid the additional fee begrudgingly late while I researched it. I printed out all pertinent docs prior to making my point. They sent all docs they were working off of, nothing they had provided, proved their reasoning. In fact comparing the same two documents, had different numbers. At that point I stopped paying the additional fees and sent in the proper payment. The only person in all my calls to them who actually took a hard look at what I was telling them and needed to show her manager was fired. There escalation team nothing no returned calls. The SPOC person XXXX. They have one payment on hold because it short. The payments made that were returned have been put in a separate account. Addition fees will not be paid and we are working toward fraud charges against the company. This was a simple fix but now with the cooked numbers it has escalated. Ive had two trips to the hospital since its inception, the XXXX  is a killer. At this point Im not sure if its complete deception or absolute incompetence. Additional proof can be faxed if required.
I can find right place to post this. Your web site needs work. I tried to look under resources and tools could not open. Please try your own web site. I want to send this to the people i know, most know nothing about this agency. 
I have alwways been in trouble with collection agencies becaue of medical bills. I pay what i can but it is never enough. I had a CPA tell me they cant charge interest on medical bills. " I said alot you dont know, about how this works. I have been in trouble with a XXXX bill or a XXXX bill all get interest and inpossible to get off. Interest should not be charged. Insane, couldnt afford the bill in the first place, sometimes they are co pays, others they are things my insurance ( at the time ) wouldnt cover. Please this is nuts. Stopr interest on medical bills. ( because it is the right thing to do!!! ) This has caused medical bankrupcies, and is still a problem for year and years. ( becasue my daughter is very ill and now i am old, fiexed income and cant fit them. Ant they dont have to send you a bill, they just put it on there. Crazy.

Change a rule about interest. and fix your web site, I woudl be courious to know what is in the tools.
XX/XX/XXXX I disputed the following item on my credit report : XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax `` verified it to belong to me which I knew was impossible since this account is not mine. I tried to call and mail this company with the information provided by Equifax. The number is not connected and the mail was returned. Equifax is not investigating anything. They report negative items with little to no regard for the consumer beyond their interest ... I am filing this complaint as a matter of course. I intend to sue them for the damages to my credit ...
I have a car loan with American Credit Acceptance and I keep getting reminder payments for another consumer. I want this to stop as it is against CFPB regulations. I have made phone calls and yes they do call me back during working hours when I can not use my phone. When I return the calls I get voice mail. This is what I get sent to my e-mail at work! 
For another consumer I have received XXXX different e-mails.The XXXX e-mail I received was XXXX/XXXX/15, then on XXXX/XXXX/15 and then again XXXX/XXXX/15:
XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.
the legal dept at lobell is rude the talk over you when asked for certain information and try to work with them they wont they tack on all sorts of interest and fees and my auto loan is charged off they threaten law suits originally my engine went out i was having a hard time as my husband lost his job and i was pregnant i asked for them to put XXXX payments to the rear to allow me to get the car fixed the lady asked for proof so i had my mechanic at the shop fax her proof that the engine needed to be repaired next thing i knew my mechanic called and advised they were there to pick up the car and was trying to pay him i called the lady and she advised i could get the car back but after paying my past due and all there towing fees not to mention they served my sister with court papers at my mother address she advised the officer i didnt live there but he said to give them to me at the time i wasnt even speaking with my family and wasnt aware of the court docs i advised lobell that how can they judgement be accurate if they didnt even serve me
I became aware that SELECT PORTFOLIO SERVICING INC Also know as XXXX, SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE XXXX OF STRUCTURED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX with the aide of XXXX filed a fraudulent ASSIGNMENT OF DEED OF TRUST with the Recorder of Deeds for XXXX know as instrument number XXXX. This document has forged signatures for a XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.
Please remove the following fraudulent inquires from my TransUnion credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
In XX/XX/XXXX, I applied for consolidation of two Utah Higher Education Assistance Authority ( UHEAA ) student loans, acct # 's XXXX and XXXX, through the Department of Education that were to be serviced by XXXX ( the only account numbers I have at this time are the ones listed on my credit reports ). The consolidation was approved and funds were disbursed to UHEAA on XX/XX/XXXX. At this time I was advised that all future payments were to be made to XXXX. Unfortunately a clerical error occurred and consolidation was rejected by UHEAA however I was not informed and representatives of XXXX did not appear to have any knowledge or record of the rejection by UHEAA and UHEAA representatives did not appear to have any knowledge about the status of the consolidation or that it was rejected. I was being billed monthly by both UHEAA and XXXX for the same loans, and both companies were reporting these accounts to the credit bureaus, unfortunately I could only afford to pay one company the majority of the time so I made XXXX the priority, considering I had received the consolidation paperwork and was told the consolidation was complete. As a result I fell behind on the UHEAA payments and they were reported as late payments on my credit reports. Multiple calls by me to try to resolve the double billing/payments to both UHEAA and XXXX were unfruitful, it took over a year of making calls, asking for forbearance 's and finally an investigation by the Department of Education XXXX office for resolution. 

As a result of the Department of Education 's Investigation the consolidation was finally successful on XX/XX/XXXX. Payments I had been making to XXXX during the previous 14 months were refunded to me and the accounts they were reporting on my credit reports were removed, however the negative marks on my credit reports regarding the UHEAA accounts remain. Juggling payments and forbearance 's between UHEAA and  XXXX and the financial hardship caused by this situation resulted in past-due payments to be reported to my credit files in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 60, 90 and 90 days respectively on both UHEAA loan accounts ( XXXX and XXXX ).
I purchased a pair  of Garage Door Springs  on  XXXX  's website for {$90.00}. The seller (  XXXX   XXXX   }  billed {$90.00} to my  XXXX   XXXX  account, He then billed {$79.00} to my  XXXX  Credit Card (   XXXX   ) account and took the remaining {$10.00} out my  XXXX   XXXX , Thereby billing me twice for the same purchase. I have contacted all parties  (    XXXX   ;  XXXX  and  XXXX  ) I faxed copies of my statements to  XXXX . After too many calls to  XXXX  and  XXXX ,  XXXX  finally, agreed I was charge twice, however, there was nothing they could ( would ) do. I have come to the conclusion that  XXXX  and  XXXX  knew all along I had been swindled, but they were not going to do anything about it.
DEPT OF YOUTH SERV XXXX MA. THIS WAS XX/XX/XXXXMORE RECENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MA. 

XXXX XXXX XXXX, MA XXXX WAS NEVER MY ADDRESSXXXX XXXX XXXX XXXX XXXX, MA XXXX WAS MY MOTHERS XXXX UNTIL SHE PASSED 5 YEARS AGO, I NEVER LIVED THERE? 

PLEASE CORRECT
In XX/XX/XXXX, an 84-month loan was opened in my name through XXXX XXXX XXXX. I have disputed this item several times by sending certified disputes as per the FCRA and FDCPA guidelines for disputes. The first letter sent XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX both through XXXX signature required. Both time they failed to meet the response requirements set by both the FCRA and the FDCPA.
Original Creditor XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX Filed judgment Case # XXXX XXXX XXXX XXXX XXXX XXXX, the judgment was paid in full for the amount of {$2700.00} and I have a copy of the judgment being satisfied dated XXXX/XXXX/2014 from the creditor and the court. After the judgment was satisfied the account was also turned to a collection agency National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA, XXXX for the EXACT SAME ACCOUNT, EXACT SAME ACCOUNT NUMBER THAT I HAVE ALREADY PAID AND SATISIFED IN THE XXXX XXXX COURT. They continue to call and harass me ( which I have blocked their number ) they refuse to listen when I have tried to talk to them and they are violating collection law and my rights by continuing to try and collect on a debt that 's been satisfied. They are also duplicate reporting the debt on my credit records as a collection that I owe. I would sue if I could but would not know where to start.
I created a Coinbase account last year to dabble with cryptocurrency. This process involves submitting a picture ID ( Drivers License ), a photo using your computer 's camera, personal info, and banking information. Your email address is submitted as well and used as your user name for access to your account. Coinbase uses a 2 factor authentication process if you or someone tries to change your password.

I made a few small investments in Bitcoin and Ethereum in XX/XX/XXXXor XX/XX/XXXX.

InXX/XX/XXXX I switched internet service providers at my home which inadvertently shut off access to the original email address used to set up my Coinbase account. I forgot to go online and change the account information to my new email address. In early XX/XX/XXXX I received a text message from coinbase as part of the 2 factor authentication alerting me that someone was attempting to change my password. I denied the transaction and immediately tried to log into my account. I was not successful. The reset password option will only allow me to send a reset option to the original ( non-acessable ) email address. I have called and emailed Coinbase tech support since XX/XX/XXXXwhen this happened. I was told to setup a new account and submit the same authentication documents as I did with the first account. I did this, this time using my new email address. I have been told that this situation has been " escalated '' to someone who can help. NO HELP has happened. I have been locked out of my account and missed an extraordinary opportunity. I have watched the price of Bitcoin and Ethereum explode and now plummet!

I still have no access to my funds.
I have already filed a comlaint about this but have a new issure with this company. I had a mortgage with First Merit bank. They had a law form send me the only notice i ever recieved dated XX/XX/2015 that i recieved on XX/XX/2015. This notice wa as i stated the only notice i ever got from then. It stated that they were plannnig to hold a forclosure sution on XX/XX/2015 for my house. Even this law firm admits they have no prof thatbo recieved prior notice of this. Well i sold this house for cash before they did anything. This loan was paid in full an closed on XX/XX/2015. The title company as well as the broker that did the closing said they never heard of a bank being able to charge for a fee called uncollected attorney costs when this was sold sn paid before it was forclosed. There is also nothing listed as to where an how much was applyied to this account that was being held untill it was paid. Then the final complaint i have is that on tuesday XX/XX/2015 sbout 15 minutes after i was relashed from a hospital where i under went a XXXX that i was unable to complete. I recieved a phone call from collections at First merrt bank. The guy asked me if i can pay the past due smount an if i plan to keep this home. Thats when i let him have it for reuining my day further after not being able to complate my XXXX. They do not have employees that can do there job an dont know to check things before they call an harrash people. I do feel they over charged me for this uncollected attorney costs that should be there exprense then to have to deal with somebody that does not have intellagence to know that this was paid 8 days before they harrash me. I now deel that First merit bank owes me a public appalogy as well as a refund for these fees assl as interest. They do not care about service they only want money. I have been in contact with a consumer protection attorney an looking into suing them for harrashment as well as XXXX medical bils from the strss they have now caused. Thank very much
On about XX/XX/2018, my account on Coinbase and XXXX was locked for no apparent reason - specifically, Coinbase prevented me to do any additional Buys - which automatically locked me out of logging into XXXX where all of my funds are currently stored. After numerous calls and emails, I have not heard back nor got any further explanation except that there must be an error and my case number : # XXXX or # XXXX was being escalated. As of XX/XX/2018 - I have not heard back from them on what progress is being made to release my account back to me so that I may get my funds back into my hands.
My identity was fraudulently used, and I 've been trying to correct issues that were made against me, instead of placing a simple call, the act was repeated, I 've since placed a police report on my file explaining what has accrued, but, the inaccuracies or still there. 
They have lowered my credit scores numerous of times without even checking the facts. Serveral or should I say, numerous Inquiries against me are unjustified, and EQUIFAX has neither checked or corrected their claims.
I recently addressed illicit reporting of my XXXX XXXX debt to Transunion, via the CFPB Website. Transunion stated an investigation would transpire as affirmed by their response. In the midst of the investigation Transunion updated my XXXX XXXX   Account to reflect in Collections and my credit score plummeted. This occurred between XX/XX/XXXX & XX/XX/XXXX.

This is part of the settlement agreement with XXXX XXXX   was to reflect my account as paid and in good standing. This was after it was discovered it was there error to begin with resulting in a XXXX refund to me. CFPB compliant will confirm this.

We now have a credit reporting agency taking matters into there own hands with no real vestment in the outcome other than to what? As an act of retaliation because there own practices were non compliant to begin with as reported to the CFPB.

Both XXXX and XXXX have modified my accounts accordingly as instructed by the party who " suffered the loss '' not who got their hand slapped for non compliance. This isn't your right.
I closed my capital one account on XX/XX/XXXX. I was told by them that I had to bring my account to date to use my miles. I paid the {$100.00}. I then paid the amount they gave me that would XXXX out my account as of the end of that day. I paid {$1600.00} and I was told by capital one that my air miles had a cash value of {$280.00}. That brought my account to XXXX. I asked them on a recorded line to not allow any more charges on my account as that account was now closed. Everyone agrees at this point it would have been a XXXX balance. They allowed charges after XX/XX/XXXX. They also reneged on the air miles without ever telling me. I found out in XX/XX/XXXX that the account was never closed. I disputed the charges on XX/XX/XXXX. In XX/XX/XXXX I was told they were going to review the tapes and get back to me. Even though they acknowledge that I told them in XX/XX/XXXXto close the account. The decision did not go favorably for me and I was never notified. What has happened here basically is Capital One has stolen my air miles that they said I could convert back in XX/XX/XXXX. 
I applied for a mortgage the first week of XX/XX/XXXX. I was notified at that time that my credit score was  affected by this Capital One issue. Capital One never contacted me with the result of the dispute. I called them immediately to resolve the issue. I offered to pay the charges and deal with the vendors for a refund- even after I told them not to allow charges and did n't feel I owed them. I felt as though they were extorting from me and using my credit report as leverage. I told them I would not pay for my air miles which was cash that was mine that was not refunded. I told them I would not pay late fees and interest. They were unwilling to work with me in any way.
I have contacted Transunion to have 2 accounts pay status corrected or removed. The accounts : XXXX XXXX XXXX #  XXXX with pay status being ( account included in Bankruptcy, Chapter XXXX ). Transunion provided a document saying after their investigation the record was updated to Chapter XXXX Bankruptcy and date closed was XX/XX/XXXX. First this account was never in a bankruptcy XXXX or XXXX. And the account was sold to another lender XXXX XXXX on XXXX/XXXX/XXXX. This would not match the account being in bankruptcy which they show would come off my report in XX/XX/XXXX which is 7 years so that would be before the date it is sold to another lender. There is no proof of the bankruptcy by reference or number and the dates are inaccurate. 

The XXXX record on my Transunion report have multiple inaccuracies. The report states that the account : XXXX # XXXX with a pay status being ( account included in bankruptcy Chapter XXXX ) Transunion states that upon investigation that the information was verified as accurate. All the dates for this record are incorrect. First the open and close date is incorrect. The record also states that the last payment was made in XX/XX/XXXX which is incorrect. The date closed XX/XX/XXXX is that the date the bankruptcy that there is no proof of even on their credit report was filed and if so why is the estimated date of removal of this record XX/XX/XXXX which would not be 7 years from any of the dates listed on the record? 



The FCRA sections XXXX all reference the details of the accuracy of Credit records and what has to be accurate and the procedure for removal of the records that are inaccurate. These records meet all the criteria and have remained on my credit record causing financial and emotional harm concerning my credit and ability to pursue credit. 

I at the least would want the inaccurate items removed and have considered additional legal action. 

Thank you
I had a XXXX transunion credit score for the past two months and as recent as XX/XX/2017. Having not applied for any credit and with all active credit accounts on auto pay I received a XXXX reduction from transunion while during the same period of time my XXXX and XXXX score went up by a few points. Additionally, I submitted XXXX disputes to tranunion and immediately after submitting the disputes on XX/XX/2017 my score was reduced by a substantial margin of XXXX points. Normally, emails are sent when changes are reflected on a credit report. I received no notification from transunion of any changes that I am aware of. It appears that this deduction was partly in response to my dispute submissions. This is the second time within the last year that transunion has deduction my credit report by a very substantial margin and second time the deduction occur after submitting disputes.
I received a letter from XXXX XXXX XXXX whilst I was in process of working with XXXX XXXX XXXX on a work related injury medical case. It was beyond me as the facility sent the bill to collection instead of waiting for me to get things settled. I can not do anything beyond XXXX. I can understand the impatient agency reported me to the credit bureau which I dislike. I called and paid off the amount with the understanding that they remove from my credit. They refused to remove from my credit. 
The other credit agency I spoke too confirmed that the law bar agencies from collecting debt out of state. This means they have to send back to the issuer who will have to work out with me again before finally sending it to another agency in where I am. This law is fair however I have paid the said agency they refused to remove from my credit despite breaching the law baring them from contacting me out of state. I issued an official letter stating to them they erred and gave them 1 month grace period starting XXXX XXXX, XXXX to fix it. They NEVER responded. I am therefore using this medium to get them do the right thing by removing from my credit.
I have been denied on two separate occasions from opening a bank account because of information chexsystems has provided to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The chexsystems inaccurately depict me as a risk for fraudulent activities. I believe this is because the discriminatory practices of Chexsystem. I am a consumer in good standing and have never had any type of fraudulent activity in my life and have been in law enforcement for 29 years. Although I am trying to open certificate of deposit ladders at a number of banks and take advantage of higher interest rates this should not label me as a fraudulent risk to banks when they do a credit check on me. The discriminatory practices against chexsytems should be stopped immediately. They have effected me financially by withholding my ability to obtain higher interest rates at banks.
I want my case to get a fair review for the new program my lender participates call Principal Reduction! My home is grossly underwater. I have attached a detailed letter in the disgusting way Wells Fargo has been handling my file! They 've stated my home sold even though I filed for Bankruptcy! Please provide a response to that since they are not willing to speak with me anymore!