WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, The XXXX XXXX XXXX on behalf, XXXX on behalf of XXXX XXXX XXXX   sent me a request of {$5500.00} of credit debt, which I believe was a result of identity theft. 
I have filed the police report and sent the law firm an affidavit describing the situation.
Over the years ive been looking over my credit, ive noticed inquiries that were once on my report fall off and reappear.
Contacted XXXX XXXX in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
My granddaughter was scammed by XXXX of her friends by processing a stolen check through her checking account. When I got the letter in the mail of a returned check I immediately went to the bank. The representative printed off the check, it was from someone in New York. After doing some investigation I found that the check had been stolen from an elderly woman by her care taker. I contacted the bank and advised them what I had found out. I also pressed charges against the young man. After all the back and forth with the bank they sent it to a collections agency. 
The agency contacted me and after explaining to them took they offered me a settlement amount if I were to pay {$200.00} on that day and XXXX payments after that. I asked if they would send me something in writing stated the agreement before I send in the payments according to the arrangement. I was told I would get a letter, I never received an agreement. I contacted them XXXX times after not receiving anything. They finally said they sent it to my granddaughter 's school where she attends college. I phoned my granddaughter and she stated she never received a letter. Phone calls went back and forth and I never received an agreement but was told it was documented and that I could send my payments. We started making payments and each time we made a payment it never reflected the agreement we had made only the amount that had be sent to them by the bank. 
I phoned back and was told that because I had missed my payment arrangement it was cancelled and would have to start a new XXXX. I explained I did not missed a payment, it was poor communication about the letter I was to receive. I started to send payments. I decided that we would make payments in increments as long as the amount was paid by the date they set. I ask if this was ok and was assured it was. We continue to make payments and each representative would give me the original amount until I explained the agreement. I would place me on a long holds, they would come back and state they it is documented. 
Each representative I spoke with I would ask, why am I getting notices that are not reflecting the agreement amount but the original amount from the bank. Each time I was told it was documented. After a couple of the representatives I spoke with stated the original {$200.00} was to go toward the second arrangement this would have made our balance {$430.00}. I phoned them on XXXX XXXX, 2015 to make a payment on the {$430.00} and was told it was {$630.00}. I advised the young lady I would be filing a complaint because I felt that I was just throwing money away. I received a call from another young lady early Saturday morning stating that the agreement was broken and that we now own {$1000.00}. I advised her that I had filed a consumer compliant and would speaking with the XXXX on Monday morning. The arrangement changed, I never received an agreement with the settlement amount and I was n't treated fairly. I feel that we have been scammed a XXXX time.
I had confidence that my personal credit history and information was protected by Equifax and had to go through the process of freezing all of my credit reports to protect my information. This is what I 'd expect my credit agency to manage and there was no assistance as I had to do the filings myself. I never received a notification and was directed to some web site to find out if I was impacted by the security breach. I do n't trust their site and did not apply for any of their credit protections and handled that process on my own. 

This is a serious matter with my personal information having been obtained through a reckless and unreliable security process on the part of Equifax. It is a serious lack of attention and protection of my financial information and is unacceptable. I will have to monitor when to release the freeze if I need to apply for credit or a loan.
I have an old credit card debt that turned into a judgment. I have been trying to get in touch with someone to get this resolved since XXXX 2015. My account is with XXXX and the only way to contact them is through fax. Finally, I talked with someone on XXXX/XXXX/15 and was offered a reduced rate settlement. I was supposed to get a letter from them, but still have not gotten it. I have even send copies of all faxes, confirmations, etc. to XXXX XXXX ( CEO ) via mail and e-mail to ask for assistance in getting this resolved so that I can purchase a home. No response from him either. After finally talking with the resolution department, they found out that the letter that they were supposed to send to me, was actually sent to an attorney that I do n't even know who it is. So they sent my personal information to someone without my knowledge that told them that they were representing me, who is not. After I finally talked back to resolution, they put in another request for this letter to be sent to my home address. It has now been three weeks and I am no closer to getting this resolved. I have never in my entire life had someone not wanting to take my money for a debt that I do owe.
It all started when I complained to cfpb last month about XXXX XXXX XXXX and the account that they are falsely reporting on my credit file. I pointed out that they claim they got the account from XXXX XXXX, then they claim it almost 6 months later and reage it, as soon as I complained my credit score with TransUnion drop like 70 points in like 2days for no reason. Is that supposed to be a punishment for complaining? I want justice for these guys just doing what they want with ones credit.
Paramount recovery XXXX has overcharged my account in medical credit charges when XXXX XXXX  agreed to discharge payments charges due to severe health issues and agreement with low income and no health affordable insurance and health at death threat Paramount recovery should agree to terms just like XXXX XXXX  services and agree to better settlement instead of just ruining my credit in credit matters please help in this matter is very serious to me, thank you
I was having financial issue a couple of years back, and Navient suggested that I file for forbearance to delay paying my loan. I was not made aware of the interest will continue to be counted toward my loan. I was put on the Income Driven Plan, and after a year or so, the monthly payment went up, and I was making monthly payments, but the amount of the loan has not decreased much at all.
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  PMI Department. In the letter was a request for PMI to be removed from our current Mortgage, a check for {$450.00} for an appraisal and document review, and a list of all upgrades done to the house. 


OnXX/XX/XXXX US Bank received the finalized appraisal from the individual they hired, XXXX XXXX. The report showed that our house had appraised at {$130000.00} and the original value at the time of purchase XXXX XX/XX/XXXX was {$110000.00}. On XX/XX/XXXX we owed XXXX XXXX XXXX   {$100000.00}. 


On XX/XX/XXXX US Bank denied the request to remove PMI and highlighted their Investor Relations Guidelines for PMI Removal. Since we owned the house for less than 5 years the US Bank guideline to remove PMI is that our XXXX on our loan must be 75 % or less. With this appraisal, our XXXX was 76.3 %. 


After I inquired about the guideline not matching with normal PMI guidelines ( LTCV 80 % or less ) I had my lawyer inquire on the issue as our closing documents do not state we must own 25 % of the home to have PMI removed. 


onXX/XX/XXXX, XXXX XXXX, Customer Advocacy Specialist from XXXX XXXX XXXX   responded to my Lawers inquiry restating the Shareholder Guidelines for PMI removal. XXXX also stated in the letter that if we bring the principal balanced owed to US Bank under {$100000.00} by XX/XX/XXXX the PMI would be removed. 


Prior to receiving the letter response from XXXX, on XX/XX/XXXX I sent a letter to XXXX XXXX XXXX PMI Department with a check enclosed for {$1900.00} ; in the letter I stated that this check is to be applied to principal and should only be cashed if this removes the PMI from our next mortgage. The check was cashed on XX/XX/XXXX 


On XX/XX/XXXX I contacted XXXX XXXX XXXX PMI Department and spoke to XXXX who reviewed the case and stated the PMI removal was denied as the shareholder Guidelines were updated within the last month which would now disqualify us from PMI removal. However, US Bank confirmed they had not sent the new guidelines out to its clients, and we began this process in XXXX and completed the process prior to the JXX/XX/XXXX deadline.
XXXX XXXX, XXXX To : Consumer Financial Protection Bureau Subject : Complaint against loan servicer Navient Solutions LLC XXXX XXXX XXXX, XXXX, PA XXXX Dear CFPB, I initially submitted this complaint, and the response was that the location was inaccurate. This was a correct assessment, as I provided the address for XXXX XXXX against the Navient name. This will be a resubmission of this complaint based on the service address listed in the subject line and as noted in the screenshot on page 5. I would like to formally resubmit this complaint against Navient regarding a student loan which I believe I should not be paying XXXX Signature Loan. I made a simple request to Navient to provide ALL documentation of this XXXX Signature Loan and I want all of it from the time of inception to now. They have repeatedly ignored my requests even after multiple times of contacting them through my secureonline account that I was requesting to have the documented email trail. I want Navient to provide proof that they have the paper trail for this loan and can support the numbers as to why it doubled from an originating value of {$15000.00}. If Navient can not provide definitive evidence of this loan, then discharge this note and remove it from my account. If Navient bought this note from XXXX XXXX, then Navient should have also inherited the history. Provide that history and tell me why it has inflated from $ XXXX to {$30.00} at 6.25 % and on top of that additional notes that equate to $ XXXX. My complaint is that I do not think I should be paying any further on this XXXX Signature Loan. At the time, my name was XXXX XXXX XXXX. Ive since remarried, and my new last name is XXXX. In the subsequent pages, I will detail why I believe I should no longer be paying on this note. Regards, XXXX XXXX XXXX
On    XX/XX/XXXX  my card was lost &  XXXX  was taken from my lost card by a purchase made at  XXXX . I immediately called MONEY NETWORK to get a new card and to deactivate my old card before future payments be made from my account by a thief. Talked to numerous people to get a understanding of how disputes work and what will be done. On   XX/XX/XXXX   I sent my dispute form out and was told I will be credited for my missing money between  XXXX  business days,  10  business days pass but yet no credit or explanation of the investigation besides no update ; however on  XX/XX/XXXX   I was told by  two  representative that on Wednesday   XX/XX/XXXX   I will have a update & should be credited back to my account from the missing money. I have reach out to numerous representative and talked to the manager  XXXX  yesterday with still the run around I just want my missing money back asap.
I was trying to make a high ticket purchase and was advised that I have a judgement fr om  XXXX  County Court/  XXXX   XXXX   XXXX   XXXX   XXXX  /Wachovia Bank. I closed a Wachovia Bank account I had back in  XXXX . To my know ledge it was in good standing. I used the checks from that to pay my rent. After moving from  XXXX  in     XXXX   I have been in contact with my previous landlord and the last check I wrote them for my last month of rent went through fine. Since I no longer live in   XXXX   I never received the correspondence from the court regarding that lawsuit when it was sent out. I contacted the courts and was provided copies of the documents that were submitted. In these documents there is nothing showing how the account became overdrawn or delinquent. I was expecting a statement of some sort from the bank showing the fees but there is n't one. I did not receive a call from the bank to notify me that the account was overdrawn or a letter. To my knowledge the collection agenc y,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  did not contact me either. My phone number has been the same for many years. on   XXXX   XXXX   , I called Wells Fargo cus tomer service. They were not able to pull up the account. I was transferred to the collections department and they were not able to view the account. I spoke to someone in the department where Wachovia accounts are handled and they could not pull up the account. Eventually, I called the executive office and was transferred to someone 's voicemail. I left a message and have not heard back from her yet. My main concern is that all of this may be due to fraudulent activity. I feel like I am being forced to pay for something without solid documentation. I contacted the attorney and the only thing he wants is money. At first I was going to just go ahead and pay the attorney {$1000.00} but that 's a lot of money to pay out and not know what is going on. How do I know if this is n't due to the fraud that took place  at Wells Fargo?
On XX/XX/XXXX I called and closed my TJMax Master Card credit card as they weren't ( once again ) allowing me to use my card in my hometown. they sent me emails later, and letters stating I couldn't use my account until I did XXXX to activate it and i called AGAIN and stated I closed this account due to the inept customer service on XX/XX/XXXX, they sent me more emails, again called. Then on XX/XX/XXXX a charge was autodrafted to this account. I called again, It is CLOSED, why did this go through? Then on XX/XX/XXXX another charge was autodrafted and again I called, it is closed, but they refused to close it until XX/XX/XXXX and told me I owed the charges. I was able to get both charges refunded and owe them nothing. They behave as if they are above the law. Why is this? This has affected my credit report. Today I called them again and my balance is XXXX but they said synchony bank handles my Belk and Walmart cards, so I cancelled both.
This is a followup to case XXXX which Sallie Mae responded to and you closed without input from me. Their response was misleading and downright false. I replied with this feedback, thinking it would reopen the case. I have now learned that I must submit a new complaint, which is somewhat confounding. I have consolidated my loan with another company since Sallie Mae engages in dishonest practices. Here is the content of my feedback to the initial complaint : " I have verified with XXXX XXXX from Sallie Mae 's legal department that NO FIXED RATE OPTION WAS GIVEN DURING MY APPLICATION PROCESS. XXXX XXXX claims that my school ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) was the reason that I did n't have the option, that the school only allows them to offer Variable Rate Loans. According to XXXX XXXX at XXXX, this is false. Logic also dictates that this is completely false. The school has no control over my private loan. I have no idea why XXXX XXXX would tell me such a fabrication but I 've contacted my state rep and Senators and plan to introduce legislation to outlaw this type of corruption and banks taking advantage of students. To repeat : XXXX XXXX from Sallie Mae 's legal department confirmed to me in a telephone conversation on XXXX XXXX, 2017 that I was never offered a fixed rate and said the reason was because my school ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not allow Sallie Mae to give students fixed rate loans. XXXX XXXX with the Financial Aid dept at XXXX disputed this in a phone call on the same date. " We have no control over it. It 's a private loan. That does not make any sense '' was her exact quote. I have attached screen caps from a new loan application for XXXX to show that the type of loan ( fixed rate or variable rate ) is never offered. Thank you. ''
On XX/XX/XXXX I sent, via certified mail, a debt validation letter to First Federal Credit Control requesting to validate the alleged debt of {$800.00}. The collection agency received the debt validation letter on XX/XX/XXXX and responded with a bill/statement/ invoice which i received on XX/XX/XXXX. However,  providing a bill/invoice of the alleged debt is not a form a validation it is a form of verification was not what i requested in the debt validation letter. Also I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
I received a letter in the mail about debt to a healthcare provider. There is no information about why I owe this debt or when this debt supposedly took place. They are threatening me that if I do n't contact them they will obtain a judgement against me ... And that they will submit a negative credit report to XXXX XXXX and XXXX.
In reference to XXXX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Purchased home approximately XXXX XXXX, XXXX. Ditech was mortgage company on this purchase. 

On or around XXXX XXXX XXXX I refinanced the home with Ditech again as the mortgage company. Within 1 week of the refinance Ditech dispersed the county property escrow taxes for approximately {$4900.00}. 

Now again in XXXX XXXX Ditech has disbursed from my new loan another county tax payment of {$4900.00}. I have called Ditech nearly 6 times in the past 2 months to be certain my escrow accounts are being handled correctly. To date they are not responding to where my escrow money is from the previous loan. I am basically out {$4900.00} due to their error.
On XX/XX/2015 my wallet was stolen out of my husbands hospital room. I reported it to hospital security as well as crime check, Claim # XXXX. That evening I called and reported it to the lost/stolen number for Macy 's. The next day they called and told me that my card had been used at a XXXX XXXX ATM machine for {$240.00}. T that would have proven that I. I have called every month for 8 months to check and have been told it was it was in process. About 3 weeks ago I called and was told it had been denied. I asked how to go about appealing and was told to write letter with any pertinent information, which I did. I 'm frustrated that it has taken 8 months to come to this decision. My Macy 's account had no balance at the time my wallet was stolen and now with all of the late charges my balance {$510.00}. I feel that they should have acquired the photos that would have provided the proof that it was not me.
XXXX XXXX DBA MidWest Equity LLC obtained my SSN from a third party and pulled my credit report without my consent or knowledge prior to.
I have filed a dispute with XXXX XXXX many times concerning this matter.I have spoke with the XXXX  fraud department many times concerning unauthorized inquires from XXXX XXXX XXXX that was placed on my Credit Report.I have asked XXXX to remove the unauthorized inquires from my report, but they refuse to do so, they told me that I need to speak with XXXX XXXX  about the inquires.Well I spoke with XXXX XXXX about the inquire which they are showing that I never had an account with them.They all so send a letter to XXXX  and myself showing that the those inquires need to be suppress from my XXXX Credit Report.I have resent the letter that send to me but XXXX  still refuse to remove them from my XXXX   Credit Report which is outrageous that XXXX  is allowed to do this which can harm people lively hood and creditably on their jobs.I will be attaching the letter that was send for verification to all three credit Reporting Agencies.
I have a mortgage account with Cooper formerly known as XXXX XXXX XXXX., XXXX , Texas . My account number is XXXX. The company should remove the PMI under Automatic Termination clause as per Home Owner 's Protection Act of 1998. On XX/XX/XXXX when I mentioned them I reached 78 % LTV, they did not automatically terminate my PMI of {$77.00} every month. My amount of finance under modification in XX/XX/XXXX was less than the original amount financed but still same XXXX dollars was colected as PMI. On XX/XX/XXXX they wrote a letter enclosed herewith that I did not reach and the date of automatic termination is XX/XX/XXXX. Again on XX/XX/XXXX they wrote they mistakenly calculated the LTV and informed that XX/XX/XXXX is the date for removal of PMI under Automatic Termination when the LTV reaches 78 %. Now my LTV is almost 70.007 %. Still they are collecting PMI. They are fully aware that my loan was modified with XXXX XXXX XXXX XXXX, in XX/XX/XXXX and they did write these letters in XX/XX/XXXX. Still they are collecting PMI? I want CFPB to publish this and get my grevience redressed.