WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX account from XX/XX/XXXX. I called XXXX XXXX  and was advised to reach out to all three ( 3 ) credit bureaus Transunion, XXXX and XXXX. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.
In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt XXXX for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do.
My mortgage loan was transferred from XXXX to PHH in XXXX 2016. Prior to the transfer, on XXXX XXXX, XXXX took {$200.00} out of my bank account to cover an escrow shortage. I approved this so that I would n't be making higher payments for 12 months. After PHH took up the loan, they continued to send me statements that did not account for the fact that I had paid the shortage in full. They are double-charging me. I have had 6 phone conversations with them about this over the past XXXX weeks. In every conversation they assure me they will look into this, correct the issue and send me corrected paperwork. In our last conversation, I told them I would deduct from my XX/XX/XXXX and XX/XX/XXXX payments the amount that is a double-charge and they said they will accept that. It is now XXXX XXXX and the issue is still not resolved. The XX/XX/XXXX statement I received yesterday includes the double charge. Today, they told me the issue will be corrected in XX/XX/XXXX. I am out of patience and have no confidence that they will fix this issue. I want it fixed now. I will not pay for something I 've already paid for.
Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and XXXX, XXXX and Transunion stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX CARD SERVICE XX/XX/XXXX 2018
I had an XXXX mortgage for 2 years. I refinanced for a lower rate, with closing being on XXXX XXXX. I received a letter from XXXX stating they had been paid in full on XXXX XXXX. It is now XXXX XXXX and I can get no answers as to where my XXXX account is. I 've made XXXX calls to the company. In this day of electronic everything, there is no excuse for my account to be " in process '' for 30 days. What was happening during this XXXX period? This very poor customer service and I just wanted to let people know how long things take at this company. Unacceptable.
Equifax failed to properly and securely store sensitive information that is directly related to my personal identity and finances. After discovering a significant data breach, the company failed to notify consumers of the breach within a timely matter. Additionally, Equifax executives sold personal shares of company stock while withholding information regarding the data breach from consumers who were affected.
I have items on my credit that does not belong to me. The only thing that should be on my credit report that I know is right is student loans.
My bank has n't responded to XXXX in reporting my savings account balance so that they can activate my account. My account is currently pending and they need a response from my banking institution.
I got my first bill from Sallie Mae. Its {$1400.00}, more than half of what I make in a month. I called to see what I could do. I could only pay interest on XXXX of loans, which just happen to be the cheapest XXXX and go into forbearance on the XXXX most expensive ones ( XXXX have interest rates above 8 % ). XXXX will add XXXX on to the total cost of my loans, so no. I could pay interest on the XXXX loans and pay the full monthly payment on the other XXXX, but that monthly payment is still around {$1000.00} a month. I even talked to collections, but to no avail. I have cosigners, but XXXX are still paying back their student ( and other ) loans, so theres not much they can help me with. So I either add XXXX, possibly XXXX on to the life of my loan or go into delinquency before they do anything to help me ( which is illegal ).
Northland group called me and I set up payment arrangements. For 3 years they have been taking money out of my account. In XXXX XXXX they told me my payment arrangement had ran out and that I had a balance of {$390.00} and I needed to call to make further arrangements. They had taken {$25.00} out for XXXX so I thought it was a mistake. I called them on XXXX XXXX and there was no answer so I figured since they took payment in XXXX it was nothing to worry about. They did take in XXXX so again I just assumed it was reinstated. In XXXX the company that has been taking money from the account took only {$10.00}. I called Northland group and they told me my account was moved and they have not had it since XXXX XXXX, XXXX. I told them they were still taking money form my account. I faxed them my bank statement, letters showing that the last payment they acknowledged was XXXX XXXX and the letter that I was to make new arrangements. I told them I never got a pay off letter from them and they said because it was sent back to XXXX XXXX XXXX. They also said it was not them taking the money out of my account because it did n't say their name. I called XXXX XXXX XXXX and they said it was paid in full in XXXX. My husband has to call to get a payment in full letter. I called XXXX and they gave me the number of XXXX XXXX XXXX who is responsible for taking the money out for XXXX XXXX. The phone number that the bank gave me was for a private person Who claims to know nothing about this. XXXX credit my account and then uncredited my account since this is over 90 days. In the meantime I had XXXX put a stop payment on XXXX XXXX on XXXX/XXXX/XXXX for $ XXXX.
In XXXX I got a copy of my credit report and paid off each item listed. I received another report last month XXXX. Listed on the new report is a debt from XXXX. TransUnion says its verified and will not remove it. The reporting agency, XXXX XXXX XXXX confirmed it was a debt from XXXX that they bought in XXXX. They also stated they sent notices to my old address which I never received.
I had bought a 1998 XXXX from a buy here pay here car lot.Paid over XXXX years then had my account sold to Mid Atlantic Finance in XXXX Florida.I tried trading this car in but was told this car was only worth XXXX.I was having to pay XXXX.So I gave the car up, as it was not worth it.This company got the car back, and then started reporting on my credit.This year since I disputed the debt they have changed the amount owed from {$3000.00} to over {$4500.00} they also changed the months on the term to 360 months for a car, not a house.This is crazy.This company is just trying to report false information on my credit score to make it go down since I did n't finish paying them what I feel I do n't owe them in the first place.The tax notice states the cars market value at {$2100.00}.
On XXXX, XXXX I discovered that incorrect credit Information was reported to Equifax by XXXX XXXX XXXX The information indicated I failed to pay part of a bill and, or missed a payment in XXXX or XXXX in the amount of $ XXXX.The bill is listed as a collection write off on the report. XXXX XXXX was not my provider of telephone service during the time frame that the unpaid bill was from. 
I contacted XXXX XXXX about this, and they said the bill was from when XXXX was my provider of service. I contacted XXXX, and the representative said my account was always in good standing with XXXX and I did not owe them any money. 
Again, I contacted XXXX, and this time they said that the bill was from XXXX, and they will not remove the incorrect information from my credit report. 
On XXXX, XXXX my Equifax credit report was changed to indicate the unpaid bill was from XXXX instead of XXXX or XXXX. I contacted XXXX, and asked for a copy of the bill, I received the attached documents via e-mail. 
I contacted XXXX again and asked for a copy of the bill to be mailed to me. The bill they sent is not like a standard bill that I normally receive. The bill they mailed appears to be a typed up word document like the copy sent to me via e-mail. 
I suspect that my issue has arisen due to problems I had in the past with their telephone service. There were frequent occasions when my telephone would not work for days, and even weeks at a time. I can only speculate that I may have lost my temper while on the phone with a female supervisor who is now seeking vengeance. 
I filed a complaint with Equifax , and Equifax only said that the person in question is me. 
I will be most grateful for any assistance you may offer in getting this untrue information off of my credit report. 
Thanks Again, XXXX
I received a letter dated  XXXX / XXXX /2017 from CCI Contract Callers Inc. regarding referenced account  XXXX . However upon calling into the organization regarding this supposedly ( unpaid debt ) I came to find out this is a fraudulent claim after speaking with representative  XXXX  on  XXXX / XXXX /2017   XXXX   XXXX   Arizona time. After reviewing online regarding (   XXXX   XXXX   ) the supposedly original account holder. This has been reported to various other organizations as a scam with thousands of other people receiving a letter from a debt collection agency for the SAME exact amount.   XXXX   XXXX   has neither direct website nor phone number to contact the company itself. If you  XXXX    XXXX   XXXX   you will find the other thousands of complaints and reports of this fraudulent debt. We have never done business with this organization nor EVER ordered from this ( fake & fraudulent ) company. Having said all of this we are asking and hoping CFBP and assist us with getting this corrected. Per   XXXX   we are to mail a letter to them stating this is fraud. However we want to make sure this company processes this in the correct manner. We also want CFBP to know of this as it happening to thousands of other hard working Americans. The letter mailed to me has been attached for review and to make it easier to contact this particular collection agency. I have covered my personal info ( Name and address ) for protection purposes. The file number  XXXX  will pull the account with their institution.
I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with Equifax who have admitted that my information has been compromised in their latest security breach. None of Equifax, XXXX or XXXX XXXX website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my report.
I have cosined my cosin for rental apartment as of XXXX/XXXX/XXXX with 12 month lease ended on XXXX/XXXX/XXXX. He committed to pay his rent for the whole period, for unreasonable rental increase he was late to pay his XXXX XXXX rent on time and after he tries to give them the check the refused it and send him attorney eviction notice. 
As of XXXX/XXXX/XXXX I have visited them with new comer to get rental apartment and paid XXXX dollars as primary deposit, but this person changed his mind. 
Hardly they gave me the {$150.00}, but next day they open this collection against me for the amount of {$3900.00}. 
When I called the collection office the lady told me that you are still liable for month to month lease while there is no agreement has issued between them and my cosin, and she also told me they tried to reach my cosin 9 times with no respond. 
He called her today and asked her to remove the collection from my side while that is illegal action for the life time contract and start reschedule payment with him, but she still want keep it on mine. 
Please help me out my name is XXXX XXXX
XXXX XXXX applied for a loan modification with her servicer, America 's Servicing Company. They responded with a denial for all programs, including an in-house proprietary modification program as they state in their denial letter, because XXXX XXXX shows a current ability to afford her mortgage payments. This reason is incoherent as the exact purpose of a modification application is to show that you have surpassed your hardship and are now able to get into good standing with a modified payment. The next reason they give for denial is that " [ y ] ou or a co-borrower have reached the allowable number of modifications. '' The borrower is aware of XXXX previous life of loan modifications. ASC does not identify what the maximum number of modifications is or whether it is an investor restriction. If an investor restriction, they must identify the specific restriction and an investor. Indeed, just a few months ago I received the same denial response from ASC from a borrower who had received XXXX previous modification. This seems to indicate that their decisions is arbitrary and not related to borrower 's ability to repay.
My mortgage is currently serviced by Nation Star. My regular monthly payments are {$500.00} per month and Nation Star has imposed {$530.00}, {$530.00} and {$530.00} monthly charges over the last 60 months ( see attached ). Nation Star claims that the increase in the overall escrow is due to an increase in taxes. However, my taxes were reduced from {$860.00} to {$510.00} per month, due to Kentucky Homestead law. My P & I is {$450.00} per month and since my taxes equal {$43.00} per month, therefore my monthly payment should equal {$490.00} per month. Overall, have been overcharged {$34.00} for a sixty month period, which equals a total amount of {$2000.00} overcharged. On XX/XX/2016 Nation Star demanded payment of {$920.00}, even though I have made all of my payments timely each month. Nation Star advised that these funds needed to be paid in order to avoid foreclosure. Nation Star has refused to prove up the math behind the alleged delinquent amounts. The statements that they have issued have not matched the oral amounts listed. Both CFPB mortgage servicing laws and RESPA law require that transparency within accounting be present during mortgage servicing. Nation Star is in violation of both CFPB and RESPA law. Overall, I feel cheated and deceived by Nation Star and I am seeking your assistance on this matter.
I have a CitiCard with Costco, and whenever I try to pay my balance in full, CitiBank puts a hold on my payment. For example, today ( XXXX/XXXX/2017 ), they ( CitiBank ) claimed that my payment for {$1900.00}, posted on XXXX/XXXX/2017, is " out of character '' and late. They claim that they are not using the money for any other purpose, no bank is going to let money just " sit there ''. I suspect that they are fraudulently investing the money for their own gain instead of crediting it to my account.
Equifax has suffered a huge data breach. They will not confirm or deny my credit data was stolen. I am only offered an option to check after 7 days. Also they are trying to charge me money to freeze my credit report. Seems outrageous after they allowed their systems to be hacked and now want to charge me to protect my credit rating ...
Regions Bank cashed a fake check when they promised they would look out for me and not let me be victimized by an out-of-state company they said the check was good and gave me the money then two days later they told me to check is completely fake and I have to pay them now {$1000.00} then they went into my debit card and took out {$95.00} and change to balance my account to XXXX, prior to that they sucked up my Social Security check for {$720.00}, I lost {$1000.00}, they have been sued for this. Out-of-state checks take 3 to 5 days to clear and post they said everything was fine and gave me the money now Im broke. I have filed a complaint with the Florida state Attorney General XXXX XXXX, the XXXX Police Department, the ic3.GOV, digital wire crimes unit and theUnited States postal police.
XX/XX/XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, Equifax, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, Equifax, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Equifax XXXX XXXX XXXX XXXX XXXX Item Status : Was removed XXXX, XXXX, and XXXX and latest credit file showing items re-inserted after FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
XXXX is not able to pull my credit score from Equifax and Equifax is report the incorrect score to XXXX XXXX, where I applied for loan. XXXX XXXX show me a score of XXXX, which they got from Equifax and I pull my score from Equifax website which shows XXXX ... That score is directly from Equifax , so why did they send XXXX XXXX a score of XXXX. 
I also pull my score from XXXX which is powered by Equifax and the score is XXXX. I have attached pics from both sites for your review. I have been denied credit because of their mistakes and would like to sue.
Companies- XXXX/Equifax. Account.XXXX. Reporting inaccurate information on my credit report since XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX . Please remove this inaccurate item from my Credit Report as soon as possible if you have no proper reinvestigation proof. Thank you
I sent dispute letters to   XXXX   XXXX  ,  XXXX  and Experian.   XXXX    and Experian put an initial fraud alert on my credit report without my permission, against my will, and without my knowledge. My dispute letters did not indicate any type of fraud ; this action was done by   XXXX    and Experian unsolicited. I called   XXXX   but was hung up on/disconnected six different times.I tried to call Experian but can not reach a human being. I need the fraud alert that I did not request to be removed from my   XXXX   and Experian credit reports. I believe this may be the reporting agencys ' new tactic to avoid handling disputes from consumers.
I owned a home in XXXX XXXX, Nevada which I subsequently lost in foreclosure. The home had XXXX mortgages, XXXX with XXXX XXXX XXXX and a XXXX with Citizens Bank for approximately {$36000.00}. My complaint focuses on Citizens Bank only. I was frequently called because my monthly Citizens payment was n't made or was tardy. I later stopped paying it because I was going through foreclosure. The bank called on one occasion and I told them I was going through foreclosure. I held a Certificate of Deposit of approximately {$13000.00} at Citizens Bank as well as a personal savings account of approximately {$1300.00}. A few days after mentioning to a Citizens Bank caller that I was going through foreclosure, I went to the bank to transact some banking business and discovered that the bank had debited my my entire savings as well as my Certificate of Deposit ; a sum totaling nearly {$15000.00}. I do n't know if the bank had a legal right to TAKE my money as they did. That 's why I 'm filing a complaint. This happened around XX/XX/XXXX/XX/XX/XXXX of 2010. I 'm contacting your agency because I read in the paper a few month ago where your agency forced or fined Citizen Bank several XXXX of dollars because of something they illegally did. This caused me to wonder if what they did to me was also illegal. If it is subsequently discovered that Citizens had a legal right to debit my accounts without my knowledge, I will then accept that and no longer pursue a complaint.
I have asked for a verification of debt bc I I know my loan balances are extremely high. It appears as if they are being counted multiple times.
I made a payment of XXXX to go to auto loan payment on XXXX/XXXX/2015. The bank set up an auto payment of XXXX to come out on XXXX/XXXX/2015 without my knowledge. I was overcharged within a few days apart from each other. Unacceptable.
XXXX sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( American Coradius International ).
I fell behind on my mortgage after my business income fell. I applied for assistance with Wells Fargo Home Mortgage and hired an attorney to help me with the paperwork. Wells Fargo Home Mortgage put my loan into the re entry team. This departments sole purpose is to evade reviewing borrowers for assistance. According to my attorney this department and almost everything they do is in violation of RESPA Regulation X. My last submission was onXX/XX/XXXX. Since then Wells Fargo has been telling me my loan is under review. It is n't like I just faxed in partial paperwork on my own. I hired a professional real estate attorney who has a full time loan officer and underwriter on staff who put together my financial application packet for me and submitted it fully complete. Since then Wells Fargo has been picking apart my taxes and profit and loss for my business.. Today I was told I was denied due to the fact that underwriting does not " believe '' I no longer have expenses that were shown on previous tax returns. I have cut these expenses due to my decreasing income and I do the work now myself so I no longer have those expenses. My attorney says they have never heard of any underwriter coming up with this excuse to turn down a file. In addition, today I received a Notice of Default. According to my attorney Wells Fargo is not allowed to " Dual Track '' while I am under review. My attorney called Wells Fargo today and they told my attorney that my  loan does not go under review when it is with the " re entry '' team. My attorney advised Wells Fargo this is in violation of RESPA Regulation X. Wells Fargo can not " Evade '' review by putting my loan into the " re entry '' department. The latest date my loan was confirmed complete and under review was on XX/XX/XXXX.  Today Wells Fargo says the loan modification was denied on XX/XX/XXXX. The borrower per RESPA Regulation X has 30 days to appeal this denial without facing foreclosure. However, Wells Fargo recorded a Notice of Default on XX/XX/XXXX and taped it to my door today. My attorney called Wells Fargo to advise them they can not dual track a foreclosure because we are still in the appeal period. Wells Fargo says they did not put my file under review ( evading ) because when it is with their re-entry team it does n't have to go under review.