WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I was a victim of Identity theft, someone was using my Identity to open up accounts, and get loans. I found out when I pulled my credit report, because I was looking to purchase. I was shock to see that there were many accounts I did not open. I contacted the police department, and filed a report, as well as filed a Identity theft report. I then spoke to all three credit companys, and requested reports from every credit company. I seen that somone was using my Identity with a different driver license, to open accounts through XXXX XXXX XXXX, and many other banks for lines of credit. Then I got a letter from some online payday place called XXXX XXXX, about a loan that was made for the amount of XXXX to the fraud account with XXXX XXXX XXXX. I do not have account with XXXX XXXX XXXX, and or a loan with this company. I spoke with XXXX XXXX XXXX and they alerted the account as fraud. I spoke to XXXX XXXX boy was that a mistake rude did not care lied was on the phone for two hours, was told that if I payed XXXX hafe of the fraud loan that was obtain with this fraud XXXX XXXX XXXX that they would not report me to collections, and all the credit companys, and XXXX. No heart they did not beilve me even after I told them I have proof.
Coming out of Chapter XXXX Bankruptcy XXXX 2015. Instructed by XXXX. that Bankruptcy satisfied and mtg. payment should be paid to mtg. co. starting XXXX 2015. Mtg. payment madeas scheduled and in XXXX 2015 loan turned over or bought by new servicing co. where mtg. payments will start to them in XXXX 2015. Mtg. payment made to new servicing co. and I find out that prior servicing co. turned over a {$5000.00} delinquency. I have provided all the court documentation from the Bankruptcy and copies of all payments made after Bankruptcy closed and am now going into month 4 with current mtg servicing company and the " 5 year requested audit I made in writing to them and XXXX '' has yet to be completed. I was told by XXXX that their our time limits for them to comply. I was also told that the prior servicing company had no obligation to submit their documentation to XXXX. I am writing to your agency to stop " this blame game '' and get the audit completed. The new servicing company is indicating that I may be responsible for " Fees '' associated with this. Is that correct? How long does the current servicing company have to comply with the audit? The servicing company that fraudulently submitted the arrearage to the current servicing co. is Ocwen Mortgage. The new servicing company is XXXX, XXXX Also, please provide me with specific time allowance for mortgage servicing companies to comply with customer requests. Thanking you in advance.
I terminated myself from the sorority in   XXXX   due to girl doing too much drinking and drugs. So I had a meeting with the board and they said I would not owe anymore fees because I disaffiliated myself from the organization. I have tried to contact the sorority by phone and am unable to reach them and get no responses to my voicemails. This has been an ongoing processes of me trying to get ahold of them for almost  XXXX  years now. I also received and email from the sorority in   XXXX   XXXX   stating that I was no longer going to be charged after speaking to the finance department of greek life at  XXXX .
There is a recent new address on my report : XXXX XXXX XXXX XXXX XXXX, XXXX SC, XXXX Also, there is a XXXX credit card that was opened in XXXX and not used since XXXX. That was closed and it is still showing open.
CNAC - FL118 Never validated the debt and my request how the loan was written off and negative information needs to be removed from my credit files
I recently purchased my Condo, and was living at XXXX XXXX. I gave my notice and informed them that I will be moving out and that the balance I would pay. I have emails where we came to a conclusion of amount and date that payment would be paid each month. I spoke with XXXX which is the manager at XXXX XXXX. She agreed verbally and through email. She stated that would be fine since I just purchased my Condo via VA Home Loan and was making sure my payments and anything that might go wrong would be taken care of. That is why I asked for payments. I know that I owe the debt but would need time to pay it off. XXXX inadvertently sent the file to Hunter and Warfield XXXX -- XXXX account number XXXX. I called them informed them it was a mistake, and that I had arrangements with XXXX XXXX to make monthly payments. They stated that XXXX just needed to call and have it rescinded. I called and spoke with XXXX, the Manager at XXXX and she informed me that Hunter and Warfield would n't release the file. I called Hunter and Warfield and explained to them that I refute this and is in dispute, please do not call me or contact me. My phone is a business phone and I can not receive calls. The lady said ok and hung up. I tried speaking with XXXX and she said there is nothing she can do. I informed her that the emails stated we had an arrangement and I am appalled how they could send it to collections. Hunter and Warfield has called my phone 2 times. I informed them that they are breaking the FDCPA regulations. I informed them that I will be filing a complaint against them. Afterwards when I called them back to confirm they are aware of me disputing this and filing a complaint the representative informed me that they cant speak with me and hung up on me. Since they state they have recorded lines and that they are following the FDCPA regulations, then they have broken not one, but 2 of the codes that protect me. I am very aware of my rights and they had no reason to contact me at work and demand payment when I informed them that I was disputing it.
The credit card had additional cost for insurance in case of illness or accidents. I was diagnosed with XXXX XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.
received collection letter from XXXX on behalf of Pinnacle on behalf of XXXX. Do not owe the debt. I sent written request for? ALL of the foillowing. 
1. copy or original agreement with XXXX2. debt validation3. debt verification4. how this debt was calculated including payment history. amount originally owed. fees assessed. interest charged. 
5. copy of original contract for account sale between Pinnacle and XXXX , and XXXX and XXXX . 
6. to have removed from my credit report. XXXX wrote back and said they would attempt to do so and would be back in touch. This was almost 6 months ago. Now no one responds to my letters or calls to have this resolved. I am left with this and small claims court to resolve this now.
Alliance Collection Agencies Inc. is attempting to collect on a debt that I do not owe from a company I have never heard of.
A company called XXXX performed a credit inquiry in my credit report without my consent. I called Transunion and they told me there 's nothing they can do. I contacted XXXX and they told me they performed the credit inquiry because XXXX includes credit inquiries authorization in their hidden terms. I specifically asked them NOT TO PERFORM a hard inquiry. Now they all point fingers at each other and they do not want delete the inquiry from my credit.
I have submitted multiple letters and have made phone calls to start thethe process to remove my PMI. I have different pages in my original note that ate conflicting. However, Per one of my notes, I am eligible to pay for a appraisal, of their choice, to be able to determine removal of my PMI. My home is now valued at more than the the required amount to remove my PMI. Citi Mortgage will NOT honor what my original note states. I have been paying PMI fees for way too long. My home has a balance of XXXX and is estimated worth XXXX. 
Please Help. Also, my payment goes up XXXX % until 5.25 %. My loan Modification in 2009 appeared to be good, but is n't.
This payment should be applied to the outstanding 'fee ' of {$99.00}. Understand this fee is fraudulently applied to my account, as the overpayment from XXXX XXXX satisfied all outstanding 'fees ' accessed to my account. XXXX XXXX ; following an overpayment, the agent advised the next month payment XXXX XXXX XXXX XXXX of {$190.00}. My records reflect no late payments, and no short payments calendar year XXXX ; despite this, Westlake accounting is has accessed to my account these fees, in part to the phone agent erroneously allocating overpayment to the principle ; rather than credit as requested. I have debated this since XXXX XXXX, and repeatedly requested management review the call that began this fallacy. Westlake refusal to accurately investigate and correct their mistake is absurd. 
This is my formal grievance. The process is flawed, accounting is flawed and sincerely do not appreciate being placed on hold 63 minutes by the supervisor ; waiting to speak to XXXX XXXX. Further being told by the supervisor " It is what it is '', completely unprofessional and inappropriate.
I graduated From XXXX in XXXX consolidated my private loan through XXXX XXXX at the time in XXXX and started Repayment in XXXX! the original balance was XXXX This is without the capitalized interest, I later found out about! As of XXXX I still owe XXXX XXXX XXXX years later. I have only made {$26000.00} dent in the loan, meaning I have only paid {$2800.00} per year on principle and the rest on XXXX! My rate have Gone From 9 % to 3.5 % and is still Variable! I pay anywhere from {$1300.00} a month to {$800.00}! Each payment they are putting 70 % toward my interest and 30 % toward my principle! I have payed over {$7000.00} in interest in any given year and can only write {$1500.00} of it off on tax exemptions!! I have called several times though out the last 9 years trying to figure out what I can do, how I can lock in a rate or anything! In XXXX after meeting all the requirements, I was trying to get my cosigner off my loan and found out they dispersed my payment to my federal loan and defaulted on my private and tried to make it my fault! They did not grant me the release of a cosigner because they said I did n't make the payments, WHICH I DID make all the payments and had to fight with them over the phone for months to get it taken care of and nothing went to collections. I recently noticed my payment had gone up and called to see what was happening and what I could do! I called customer service at NAVIENT XXXX XXXX XXXX and asked what were my options with this loan and what i could do! And the ANSWER WAS THEY DO NOT HAVE AN OPTION FOR ME! I HAVE NEVER DEFAULTED ON THIS OR ANY LOAN IN MY LIFE AND I MAKE MY PAYMENT EVERY MONTH! and they do not have an option for me? and are dispursing my money however they like to only benefit there company! ITS A STUDENT LOAN!!!!!!! There are so many loan forgiveness programs out there and I am not even asking for that! I am asking for them to be reasonable with my money and help me out rather than give me NO options! I can not even put it on hold, if I were to have something in my life to happen and need to! This is hindering my life, my childs life, our futures and all I want is them not work with me and give me options without having to not pay and deal with XXXX and Ruin my very amazing credit just to get them to negotiate! 
I have also requested all of my correspondence with them for the last 10 years, phone calls etc and they are having a hard time getting all that info!!! They have to keep a record and give me my files!
Foreclosure finalized XXXX. Experian indicates foreclosure XXXX as well but also has a monthly update for foreclosure in XXXX which makes issue report as more recent and is affecting current score.
Equifax reported XXXX owing from XXXX XXXX on XX/XX/XXXX ( Sunday ). On behalf of XXXX XXXX who informed me the account was charged off XX/XX/XXXX off of report. Gettin financing for purchase of condo. Paid off accounts to increase credit score. On XX/XX/XXXX received alert from XXXX XXXX. XXXX XXXX reported collection for {$230.00}. Credit was repaired and no reporting from XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I received no letter or phone call requesting payment dropped my score 40 points. Lender stated had never seen this during his 30 years plus in financing homes. Contacted Equaifax on XX/XX/XXXX three representatives told me to call back 2hrs. System updating, one hung up on me. This was Monday at XXXX. No report from XXXX to transition. Received report of investigation today from XXXX  debt removed. Raised red flags for me. Equaifax is fica score used for mortgage lenders. Exquifax called me today and gave back call back number. Placed call told department did not deal with disputes. Transferred to Representative named XXXX who asked me for my ss number etc. I was blown away when asked what day I filed dispute, this information would have shown on my report. There is really a problem with Equifax. Sent email to exquifax corporate director of credit  reporting. XXXX XXXX reported to exquifax with malice and intent to drop my score. Please investigate this matter too many red flags. The last representative stated they were not here for me to make phone call to XXXX XXXX. Company gets 30 days respond, yet company took 4 months to report debt at the exact time I had a score to receive my approval letter. 40 point drop was for {$230.00} which was never on report and unknown by me
My information was stolen XX/XX/XXXX i filed a report with my bank as well as capital one and also filed a police report. I submitted all documents to capital one and i also got a final decision from XXXX on XX/XX/XXXX saying that the payments were not mine i then contacted Capital one and they stated they closed my accounts and i owe the balance i also sent in the final decision from XXXX to capital
I took a payday loan of {$500.00} on XXXX/XXXX/XXXX in that area from Castle Payday Loans. Which has gone from Caste to XXXX to Red Rock Loans. I was told that my repay amount would be approximately {$570.00}, and agreed to that. I was not told of the 505.944 % APR, and the total payoff of {$3100.00}. I also could not see the Truth in Lending disclosure until after the loan had been processed and funds delivered to my account. I have no problem paying the agreed to loan of {$570.00}. I have made two payments already of {$250.00} each on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 

Please help. I will be telling my bank to not allow any other payments to be transferred until this is resolved or charged off. 

Thank you
In 2013 Wells Fargo offered us a loan modification. After making the trial payments totaling {$18000.00} ( and thus accepting the modification offer, per Wells Fargo ) we were told the offer had expired. We hired an independent attorney to assist with enforcing the modification ( at a cost of {$30000.00} ), which was unsuccessful. We were left with XXXX options ; foreclosure or short sale. We chose to short sale. We listed our home and received a cash offer for greater than fair market value. The offer was submitted over a month ago with all required paperwork. We also dismissed the lawsuit ( WITH PREJUDICE ) and provided Wells Fargo a copy of the recorded Dismissal. Currently the short sale review is on hold, because Wells Fargo counsel is demanding we sign a release agreement that among other things, would completely waive our home owners bill of rights. The Wells Fargo attorney is threatening to allow foreclosure to proceed instead of allowing the short sale to be reviewed. The sale date is XXXX XXXX, and we are trying to get the short sale offer approved before going to auction. We received notice from Wells Fargo they are in receipt of the offer and it is under review, however their attorney is still holding up the review process until the release is signed. We feel that the Wells Fargo attorney is angry we wo n't sign the release and dismiss the lawsuit WITH PREJUDICE ( versus WITHOUT ), and is using emotions and threats to block this entire short sale approval process, and instead allowing our home to go to auction on XXXX XXXX. There is currently NO LAWSUIT, it was dismissed. How can we be expected to sign a release for a lawsuit which no longer exists?
Security freeze was placed on my account last year. I want to lift the freeze now. Have contacted the company, and it did nothing. Submitted requested forms in writing a month ago, promised resolution in 10 days, and nothing happened. All I want is for these people to lift the security freeze I placed on my account last year. They are not responsive.
Hello, I pulled my credit report on XX/XX/XXXX. I called XXXX ( Opened XX/XX/XXXX ) to verify my information. They said they did not pull me up with my SSN.  They did verify they had my name and snn. They said they did n't have my address. I want to know why this is reflecting on my credit report when I paid this. It is also from XXXX and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX
I filed complaint with CFPB  XXXX  it is listed as resolved but it is not resolved.   I would like to have the complaint reopened and I would like to dispute the company 's response On  X/XX/2017    the company responded that they would release the loan in  24 to 48  hours but they have not. I have been calling and emailing their compliance department and Release of lien department but have not received a response. They can not play a 60 day window. the 60 day window should have started on   XXXX   XXXX  . I need this resolved now because I am tied up in a refinance right now and will soon be losing more money in non refundable closing costs.
I applied on line to open a checking account with XXXX Bank and they use Equifax. They asked a series of questions to prove my identity, which I failed because the questions had questions of other people with my same last name XXXX XXXX XXXX that have nothing to do with. There information is incorrect. I change my name in court when I was XXXX, and never married or had anything to do with ant person with my new last name in XXXX years.
I opened a XXXX credit card with capital one in XX/XX/XXXX to rebuild my credit after bankruptcy. My account was kept current and I was offered two credit limit increases between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received and email from Capital One stating that my address has been updated and my new cards ordered. I did not complete that action so I immediately called and reported that activity as fraudulent. I Was told it would be investigated and I would be contacted. I was never contacted, my card was turned off and my online access revoked for my security. The next day I received another email stating that my new card had shipped and once again reached out to capital one. Again I was told someone would reach out to me. Between XX/XX/XXXX and now I have reached out to them on at least 5 separate occasions to even find out the status of the fraud. To this day I do not have card or account access. 

AT the time I reported the fraudulent activity my account was maintained as current and I had never had a delinquency. Once my fraud claim was submitted and completely mishandled, I lost access to a product that I had maintained my contractual obligation on through no fault of my own. 

Capital one has still never resolved the fraud claim despite my reaching out repeatedly and has now charged off the account. HUGELY impacting my credit. Falsely charging off an account and then damaging someones credit is a major violation of the FDCPA.
I brought a 2013 XXXX XXXX from XXXX XXXX  which I'm turn turned into bridgecrest and that's who I was paying the car note to I was on XXXX XXXX and it was traffic I came to a stop and when I went to put my foot on the gas pedal the car wouldn't move I did several things to get it to go finally it started to move slowly I made it home but mind u my children where in the jeep it could've been very deadly with big trucks and others cars if it wasn't traffic, I took it to thedealership and they explained to me the transmission had never been changed that the vehicle should never been sold to me in that condition mind u I had several problems where I had to take the jeep back because of them not having a new battery in the jeep and it stalling out on me and everything so basically I as sold a lemon I was told the trans would cost XXXX  amd bridgecrest claimed I still owed XXXX  on the vehicle I have a problem with that and then u won't correct the problem for me. I don't think that's fair or right to do to a consumer.
Information is being reported on Equifax credit report that is not mine/no knowledge of account. In fact, this erroneous information was being reporting on a XXXX report and was deleted on or about X/X/17. 

The information is reported as : XXXX XXXX XXXX, amount {$3500.00}.
I am currently being discriminated against likely cause I do no not pass as XXXX or someone who does not have anyone in their life who would send a personal check in the mail cause they care about them ... I am at the XXXX  XXXX location on XXXX XXXX XXXX in XXXX XXXX where my mom was hung up on twice and told everything was good but I am still being made to wait for whatever reason. I came in at XXXX and saw several other high maintenance customers helped and on their way while I wait patiently enduring the power the customer service representative feels they are due to exert. Pathetic and just sick of the constant treatment because I am not like everyone else.
Company named Accelerated Financial Solutions , LLC have been calling me and members of my family stating that they need to deliver court appearance papers to me for a debt I owe- a payday loan. Have never applied for a payday loan and they were trying to confirm sensitive information such as my social security and telephone number. They also lied and stated that my bank confirmed the amount of the loan was transferred to my account. No record of that deposit is on my account.
I was a victim of the 2017 Equifax data breach. I went onto the equifax website www.equifaxsecurity2017.com and it was confirmed that my information was involved in the data breach and I may have been compromised receiving the message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I understand that data security is a tricky and constant battle, but more needed to be done to protect the identity of 143 million Americans.
Today, I called alternative revenue service about settling my debt that I had with them for 15 % of what was owed after paying for the past XXXX months. The woman I spoke with was XXXX, she informed me that she could do it. I explained to her that this debt would be removed from my credit in the next XXXX months, and she informed me that the statue of limitations started over when I made the XXXX payment because of IL law on debt collection. I was n't told that the beginning when I made arrange to make payment. I was also told that I could be sued because the statute of limitations. I think that she told me this information to scare me into paying off the debt or neglected to tell me about the statue of limitations in the beginning in order for to XXXX me into something that I did n't know about.