WillisBack/dataset-financial-user-claim huggingface dataset:
In the wake of the XXXX security breach, I set out to freeze my credit accounts. I have steadfastly been unable to do this with XXXX, either online or over the phone. Same with XXXX. I was able to successfully freeze my accounts with Transunion and XXXX. 

Furthermore, my only option for protecting my XXXX XXXX by freezing my credit involves paying the same companies money that lost my data in the first place. It 's a modern day " Say, that sure is a nice social security number you got there. Shame if something bad were to happen to it '' sort of shake-down.
SUMMARY Nationstar Mortgage has been harassing me for a debt that they are attempting to collect that is not legitimate. They have filed this debt on my credit report as I will show you. EXHIBIT A will show you where the mortgage was assigned from XXXX to Nationstar Mortgage LLC which indicates the effective date of the assignment of mortgage was on or before XXXX/XXXX/XXXX. EXHIBIT B will show you where the Nationstar Mortgage LLC assigned the mortgage on the same date to XXXX. EXHIBIT C will show you where Federal Home Loan Mortgage Corporation had a warranty deed dated and fully executed on XXXX XXXX, XXXX. Which was notarized in the attorney 's office of XXXX XXXX XXXX, XXXX, XXXX, PA by their employee who is a notary? EXHIBIT D will also show you where XXXX XXXX XXXX Mortgage XXXX prepared a fully executed Release of Mortgage and had it recorded on XXXX XXXX, XXXX. I, XXXX had issues with them recording the document within the allotted time they were supposed to so you will see a letter in which I prepared to the attorney 's office to abide by the law in which they completed. On XXXX XXXX, XXXX, a year and XXXX months later I started receiving phone calls ( Call log EXHIBIT E ) and letters from Nationstar Mortgage indicating I owe them money and they were trying to collect on a debt from XXXX. This is so emotionally stressful for me as in the enclosed documents you will note I worked so hard for the mortgage company to have the mortgage released due to I lost my job. It took them 2 years to complete after ; I made written complaints to the OCC. EXHIBIT XXXX in which the company lied to Office of the Comptroller of the Currency ( OCC ) indicating they had taken care of everything in which in fact they did not. EXHIBIT ____. Then I had to follow up with OCC to advise them that in fact the company did not complete where they were supposed to. Well needless to say it was finally completed back in XXXX and now they are back at it again. I have paid all my bills on time and I tried to apply for credit and was denied. I did n't understand why until the phone calls started. I have since put in an investigation to try and have my credit corrected. However that does n't change the fact that I am denied credit. I have told the individuals several times I do not owe them and they are harassing me. Nationstar does n't even have an interest in the property as they assigned the mortgage and the mortgage has been release. I even have received paperwork to file along with my income taxes to show as well. Now they will try and file this against me twice as income with the IRS and this is not right. I have to pay the court for filing fees etc. For something this company has no rights to.
On XXXX/XXXX/2017 I was alerted to a security breach within the credit reporting agency Equifax, I immediately went to their site to see if my personal data was impacted by the breach and was confirmed that it was. Per news reports, this breach was known about internally at Equifax for up to 6 weeks before they alerted the public to the massive breach of security. Equifax has " offered '' to have me sign up for their credit monitoring service, which is only free on a temporary basis -- despite the fact that this data breach could have effects lasting the rest of my lifetime. Additionally I 've read the terms for that particular service would bar me from legal recourse moving forward. I believe this to be an underhanded attempt to limit liability rather than an honest attempt to help consumers.
I was in an accident on XX/XX/2018, i was insured at that time and found to be at fault. I only had liability coverage, i paid the court and towing fees as well as my hospital bills which amounted to {$3000.00}. I provided my insurance information to the police on the spot. A month later I start getting calls from this company called AFNI. They said they are an insurance collection agency and i owed them {$14.00} XXXX for the accident. I told them I had insurance and provided my insurance information. They kept calling for months threatening to sue if i do not pay. Now they have had my license suspended by the Ohio bmv and it states that I have a non-compliance debt with afni of {$10000.00}. And I also need to pay a {$350.00} reinstatement fee. I had insurance and i gave my policy card to the police, afni claims I had no insurance and calls me everyday of the week. I've called my insurance company ( XXXX XXXX ) and they say the claim is still open ( claim number : XXXX ) there's nothing they can do to help me at the moment. I am going to sue this company. They don't want to deal with my insurance company, I am currently XXXX  and their constant harrassment has elevated my XXXX XXXX.
I have a private student loan through Navient ( formerly XXXX ), and each month of this year, my loan payment amount has increased. My payment due on XXXX XXXX, 2016 was {$7.00}, my payment due on XXXX XXXX, 2016 was {$140.00}, my payment due XXXX XXXX, 2016 is {$140.00}, and looking ahead, XXXX payment due on XXXX XXXX, 2016 is {$140.00}. According to the loan detail page on my online Navient account ( at www.navient.com ), I have a fixed interest rate of 9.875 %, so that does not change and I 've been paying on time, so there are no late fees. When I called to question this, the lady I spoke with could not tell me why my payment amount was continuing to increase each month, would barely let me finish a sentence, constantly interrupting me and talking over me. She would also not give me any contact information for a supervisor or higher authority. I do not understand at all, why my monthly payment amount continues to increase.
There are numerous inquiries from lending institutions for an auto loan which I never authorized reporting on my Equifax credit report. I have disputed these inquiries with the credit bureau along with the creditor with no recourse. These inquiries are negatively affecting my credit and I have expressed my dissatisfaction with the method that my disputes have been handled with the Equifax credit bureau and lenders.
On XX/XX/XXXX, this account was reported to the credit agencies and added to my credit report as a collections account by Account Control Technology for a debt, in the amount of XXXX. On XX/XX/XXXX, I spoke with representative, XXXX of Account Control Technology. I advised XXXX that this debt was reported to the credit agencies in error and was discharged in bankruptcy in XX/XX/XXXX. There was no agreement from Account Control Technology to remove the inaccurate information from my credit report.
Here are the details in summary : The original debt for a credit card opened XXXX/XXXX/XX/XX/XXXX was with XXXX XXXX XXXX for {$1300.00}, and was charged off due to my inability to pay. 
The debt was bought by Asset Acceptance who is asking me to pay {$2500.00} instead of the charged off amount. They have a account XXXX XXXX of XXXX/XXXX/XX/XX/XXXX instead of the original date. 
In the process of cleaning up my credit report, I disputed the amount remaining on my report with XXXX XXXX, and they changed the balance to {$0.00}. 
Asset Acceptance updated their entry from a XXXX XXXX, to an open account.
On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.
I received a call from Phoenix Recovery Group They keep calling asking for {$4000.00} they say I cosines for an apartment for my Daughter. I told them that I signed only the first lease but that she stayed after the lease was over and I did not consigned the second lease. They just keep calling and have reported it to the credit beaurow. I am 100 % VA XXXX and this is making me very disturbed. I have a copy of the second lease showing I am not on it
I have a vehicle loan through Wells Fargo that I am paying off.every time I pay a large sum at one time they introduce a payment cap. Fest I could not pay more that {$560.00} at a time, now I can not pay more than {$460.00} at a time. They are forcing me to pay unnecessary interest.
Hi on my credit report there are some names that are under my name and I only go by XXXX XXXX XXXX Never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something all the names have been reported to the police and opened a report of fraud. Please help me take these names off because it 's messing up my life.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX  XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Federal Trade Commission and XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX, File # : XXXX FROM : XXXX XXXX XXXX, Consumer RE : CASE NUMBERS BELOW WITH CFPB Case Number Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   Summary Chronology of My Complaint Against XXXX XXXX XXXX XXXXXX/XX/XXXX, my husband passed.

XX/XX/XXXX, my account with XXXX XXXX/Capitol One became delinquent, I engaged an attorney to file bankruptcy, XX/XX/XXXX, I changed my mind and decided to handle the delinquent credit on my own,XX/XX/XXXX, XXXX XXXX/Capitol One, SOLD my account to XXXX XXXX XXXX, XX/XX/XXXX, I negotiated verbally with, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ( 2 Names, Same Company ), to pay {$250.00}. per month toward {$22000.00}, until the balance was paid off. XXXX XXXX XXXX, 2 NAMES, SAME COMPANY, deducted {$250.00}. every month from my XXXX XXXX XXXX  account, beginning XX/XX/XXXX. I made the first payment by check XX/XX/XXXX, for {$250.00}. ( I have sent you those records ). XXXX XXXX XXXX XXXX, 2 names, same company has deducted payments of {$250.00}. for 52 months, 4 years and 4 months to date, totaling {$13000.00}. toward. {$22000.00}. My balance with XXXX XXXX XXXX, should be {$9100.00}, but they have indicated a balance of {$19000.00} I did not know the following law : California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.

Consumer Debt in California Debt Collection, Settlement, Regulations XXXX XXXX XXXX  I would not complain except, XXXX XXXX XXXX , 2 names, same company, has not given me credit for all of the payments I have made, which total, {$13000.00}, and they have CHANGED the amount I agreed to pay with their representative, XXXX, from {$22000.00} to a higher amount of {$26000.00} with interest, climbing at one time to {$26000.00} with interest. They have also CHANGED their reporting to the 3 Credit Agencies by dropping their name of XXXX XXXX and the beginning date of XX/XX/XXXX for this account, with all of the consistent monthly payments I have made, and they began reporting XX/XX/XXXX under the name of the Bureau ONLY, with a new beginning date of XX/XX/XXXX for the charge off as if this is a new account. It is not. My account with XXXX XXXX XXXX XXXX, began in XX/XX/XXXX, under XXXX XXXX and it continues to date. They, XXXX XXXX XXXX XXXX, 2 names, same company, continue to deduct {$250.00}. from my bank account to date, 4 years and 4 months, beginning XX/XX/XXXX to date for the same one account.
When my mother passed, I inherited her property. I received the deed a few months after her passing. I worked out a modification with the original lender, XXXX, and was paying as agreed upon. Eventually, my loan was sold to Selene Financial. I entered a new modification plan with them and was paying as agreed. My payments were to be around $ XXXX/mo ( with taxes and insurance escrowed ). Unexpectedly, my mortgage doubled to around $ XXXX/mo with no explanation. The mortgage statement said that my escrow was - {$4200.00} which i would take that to mean that they paid the taxes and insurance but after speaking with the county, Selene never paid them. I had to pay my taxes and insurance out of pocket. They are no longer accepting my payments and they are not honoring the modification.
I was not told by the mortgage company that I was denied a modification and had the right to appeal. This is through Nationstar Mortgage.
XXXX XXXX  XXXX XXXX  card said they denied me because of fraud alert on my account listed by equifax issue I was told they have verification process call or write but information sent in last report on this from equifax sent in copy of my billing, and my information to correct, but it seems they did not correct phone numbers XXXX or XXXX, so since information was incorrect on equifax report that i just tried to chat to equifax about said this been mailed in and faxed in but still wrong, told have to request a credit report and there is no one at equifax I could talk to and fix this not sure why or fax information again, very frustrating been working on this and if best buy rerun my application my score gets nicked documented each time which seems to be a data base miss entry or issue equifax had over hack or whatever just need to get this fixed own my house lived same place since XX/XX/2010, so not sure what else to do since can not fix this evidently by going to their site and asking them for help sort of rough like to get it fixed even sent copy of my license awhile back when requested verification on address and or myself as who I am.
I never receive notice from IC system collections nor XXXX  as to why they reported a negative item on my credit report. I was a Customer with XXXX for 5 years and are no longer in contract for mobile services. XXXX is negatively trying to collect for amount not owed and charge for devices that were given free with services. XXXX has try to sell this debt to different collection agency and had to be removed from my credit report because debt could not be validated. I refuse to pay a debt that I do not owe and has fulfill more than my 2 year agreement with this company. XXXX has sold this debt to a IC system collections which I have sent a certified debt validation letter to this company requesting to prove debt owed with sign contract l. no response has been given. I am requesting that IC collections to be removed from my XXXX   credit report. Because of this negative impact I will not be approve for my new home.
All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to XXXX  I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people  do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.Thank You
This complaint is regarding an inaccuracy on my credit report. I have sent Collection Bureau of A ( 2 ) certified letters requesting viable evidence bearing my signature that I owe this debt. They have ignored my request and failed to respond. They have also violated federal law, by not properly investigating my complaint with in the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. They have also failed to mark my credit report that this debt is being disputed by consumer which is another violation of the Federal Law. I believe they have acted in bad faith, and have not complied with the FTC ( see 15 USC 41, et seq. ),.
XXXX XXXX, reporting on credit report. 
Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX closed by credit grantor/ paid / never late .. 
Expired time .. 11 years old on report
XXXX XXXX XXXX XXXX XXXX XXXX is continuing to report my mortgage loan as being discharged in my chapter XXXX bankruptcy. The loan was modified and refinanced per the modification agreement. I sent a letter and the modification documents to all 3 credit reporting companies. They are stating that the information from XXXX XXXX is correct and continue to report my mortgage loan as discharged in the bankruptcy.
I have been making my mortgage payments early. I sent a message to my mortgage company on XX/XX/2016 " RE : Early Payment applied to interest When a payment is made on the XXXX of the month for a payment due date on the first is extra dollars applied to interest? " I intended to say applied to principal. I received a letter from my mortgage company several months later stating they were researching my question. and have not heard back on my question. Before the servicing of my loan was transferred to Ditech, my former mortgage company adjusted the interest and principal amount to reflect the payment date. Since Ditech is working with the same loan documents, I am concerned there are no adjustments made when they receive the payment before the first of the month and if this is the normal practice for all customers.. In this case it appears there would be no advantage to making bi-monthly payments as suggested by numerous financial advisors. I am attaching several mortgage statements that indicate when the payment was received and how if was applied. Again my main concern is I have not received an answer.
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
I have absolutely no idea what this account is, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report this account. 


Also this debt was proven to be fraudulent by the original creditor and deleted off my reports, Im contacting this creditor to ensure that they know that this debt here is uncollectable under the Fair Debt Collection Act 2009 ( a )
I opened a Discover Credit card to re-establish my credit and raise my credit score. Everything was fine at first, then Discover started " losing my payments '', blaming the other financial institutions for the " errors '', they then claimed I was at fault, dropped my credit limit, I made several attempts to pay balance in full that I doubted I even owed. However, they claimed that the XXXX times " the payments were returned by Discover ''. I do n't know why a payment made to a Credit Account would be returned, that makes no sense. Then Discover started claiming that I owed double the original amount. This is common among the complaints I have seen regarding their services. I even think that employees in their company have constructed a pretty good skimming scam here. No one could give me a straight answer as none of the people I have talked to can explain how my account has become so damaged. I also believe that someone may have stolen my identity, through this process. I need help and protection from these entities. My credit score was above XXXX when this started and now because of Discover 's misdeeds I am at XXXX. I really need your help to clear my credit and get this ridiculous debt amount cleared up. As this has caused XXXX of my accounts and pending the XXXX to be frozen, locked and or closed for their mistakes or wrong doings. My life and reputation has been black marked due to this and it was n't even my fault. I just want my credit fixed right away. Thank you for your time and help in any way. Who can I contact about the ID theft?
I 've had several issues with my federal student loan managed by UAS XXXX. My account is currently set up for auto pay and it is scheduled to be withdrawn on the due date. They have changed the amount due on me twice after my auto pay was scheduled without updating my auto pay amount or notifying me of the change, and reflected both events as a late payment on my credit report. I spoke with them by phone on both occasions, and they could not tell me why it happened. 
I 've also contacted them in excess of XXXX times in the past year, both by phone and email to update my mailing address on file since I moved. They 've reassured me multiple times that they 've fixed the issue, and two days later my account is reflecting my old address. They 've sent tax and billing documents to my old mailing address because of this, which is extremely upsetting because of the information contained inside these documents.