WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working for many, many months in an attempt to get a loan modification with Bayview Loan Servicing. Originally my loan was with XXXX XXXX XXXX and I was almost through the loan modification process when the it was acquired by Bayview.. I have been trying to get my loan modified with them for about a year now. Their course of action seems to be stall, stall, stall. My first asset manager was somewhat responsive. at least he would return calls and send emails with information or requests for documents. But somehow he disappeared and it was weeks before I knew he was no longer assigned to my file. I now have another asset manager but he never returns phone calls. Several have been left for him over the course of the last several weeks but we almost never hear back. I have received no updates on the status of my loan modification request in recent weeks. I know something is happening as I received an appraisal on my home, but no updates at all on where we are in the process. I want to keep my home.
I have paid off all medical bills. I am XXXX. Cadillac ACCNTS REC MGMT has chose to leave an open account on my experian credit report. This open account is bringing my credit report down Alll account by my former Attorney that were PAID IN FULL were left active. Former Attorney 's Name XXXX XXXX CADILLAC ACCNTS REC MGMT. Partial account number XXXX Address ID number XXXX XXXX ) XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA phone # XXXX XXXX XXXX partical account numbers # XXXX NEXT XXXX SAME COMPANY # XXXX ADDRESS ID # XXXX NEXT XXXX SAME COMPANY XXXX ADDRESS ID XXXX. The credit reports shows that I have a active balance with these credit reporting agency and I do not All balanced paid in full
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
While attending XXXX Florida XXXX I was enrolled in the XXXX course. On the date of my last attendance I was scheduled to be going out to do my XXXX with all of my course work completed and only XXXX weeks remaining. I had received a letter that was later confirmed by the course director and the professor that taught the XXXX classes. This letter stated that XXXX Florida XXXX had failed to renew their certifications leading to their XXXX students no longer being recognized or able to be certified in their course of study. I left the school that day is disbelief that all my hard work and study meant nothing. I never returned to the school. They promised job placement but, because they were no longer certified or recognized was not going to be able to obtain a job. My student loans went into default because I was unable to pay them back. When recently inquiring about reenrollment to XXXX XXXX XXXX I learned that what had happened to me was not legal and I should dispute my loans. I would love to be able to return to school and complete my course of study with a XXXX and peruse my dream XXXX. I was informed that I was unable to attended college because my loans were in default and I would have to make payments for XXXX consecutive months in order to be eligible to reenroll. I sincerely hope that there is a way to wipe me debt of student loans since there promise was not fulfilled.
XXXX, TRANSUNION LLC, XXXX CREDIT BUREAUS are reporting information regarding bankruptcies that they say that the bankruptcy courts reported to them. I have information from bankruptcy court that states '' bankruptcy court does not report to credit bureaus ". I have asked by certified mail, fax, online and verbally to bureau to remove inaccurate information. To no avail, they have not removed bankruptcy.
My father was sold a predatory reverse mortgage XX/XX/XXXX by a company that is now defunct because of fraud. He also at the time was diagnosed with XXXX at the time he was forced into signing this loan. XXXX XXXX XXXX is now trying to foreclose and take the property. That property was given to him by his mother who has had the property since the XX/XX/XXXX. The house and property were paid off before the loan. He had no need for the loan and did not know where the money went. He recently passed away and I have XXXX sisters to whom this property was supposed to go to when he passed. We need help.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : Experian, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX
Unsafely stored my personal information without my knowledge and now can not determine if my information was stolen in a recent breach of their systems/databases.
NCC Business Service is reporting an item that does not belong to me. I mailed a letter or dispute on XXXX XXXX, 2015 to NCC Business Service regarding the gross lack of proof in their response to request for validation as I did not/ do not recognize this alleged account as belonging to me. NCC Business Service did not respond to my letter of dispute within XXXX days, in fact they never responded. In addition NCC Business Service did not report this item as in dispute status with the credit reporting agency.
Last month, I filed a dispute with Care Credit, under XXXX XXXX due to my being charged for services I did not receive, fraudulent advertising, as well as the advisement of my primary care physician informing me that engaging in treatment would work against my health. Care Credit/XXXX XXXX did not conduct a complete investigation into my complaint. I was told over the phone and per their own policy, I can not be charged for services I never received - per the company 's own policy " Serve not rendered ; a " no refund '' policy where not services/products were rendered is not an acceptable reason not to process a client refund. However, when I received the determination of my dispute, Care Credit/XXXX XXXX went against it 's own policy. The credit agency 's dispute system is not a valid one - which goes against what the company promised me ; resulting in my good faith to engage in an agreement with Care Credit/XXXX XXXX.
On XX/XX/XXXX I was contact via phone by XXXX XXXX/Monterey financial after returning the call I understood that the business was closed and had to call the next day upon returning the call the next day I spoke with the A representative XXXX XXXX  she was very unprofessional Refuse to let me speak with a supervisor to get to the bottom of what was going on the representative want to know why I had made my monthly payment I explained to her that my payment was on an automatic debit from my account and it had been and that was the only way that I could obtain the loan This company does not allow you to mail in payments she told me that they discontinued by their own choice to stop debiting my account and they had supposedly spoken with a gentleman that Id have no idea who he is that stated he would be making my payments by monthly check Ive asked them What number did they contact this person it was an able to be given the informationthere is no gentlemen attached to my account name XXXX that makes monthly payments and they finally admitted that they had reached out to the wrong person and had given out my informationTo this mysterious person I am unable at this time to come to an agreement with next step funding Monterey financial on as to how they plan on continuing to receive my payments There are stipulations in their contract for if you are not able to pay for the items they can reprocess them this wont be happening because I did not ask for the payments to stop they stop them themselves Ive made every payment on time I have never missed a payment because of the automatic with drawlThe company chose to no longer debit my account bad choice my account is still open it is still active I have never filled out any paperwork to discontinue nor have I received any documentation from them that they would discontinue the automatic debitOn XX/XX/XXXX was the first point of contact when they call me they never call for the month of XXXX they never written me a letter or email me any type of notifications as to what was going on in this matter.
A company called XXXX XXXX XXXX XXXX says they have a debt of my from a clinic called XXXX XXXX. So I  asked them how much they bought my debt for and they told me they are working with XXXX XXXX. So when I called them they said they had no records for or showing a debt that I owe. I was a patient with XXXX XXXX about 9 yrs ago. I 've been talking with rs Clark for the last couple of days to drop a debt that does not exist anymore.
About a month ago I lost my debit card from Charles Schwaab. When I called to report the card stolen, I was given a hard time from beginning to end. For some reason my account was marked as having something to do with fraud. I again, explained to them that there was no fraud and I had simply lost my card. A few days later I was told that Charles Schwaab was closing my account, and was never given a reason as to why. 

To me this was a very unprofessional and malicious action.
I have no idea who this company is that is calling me. This company claimed that I took out a payday loan in XXXX in which I was never aware of taking out. I have statements from my bank in which it shows that not payday loan was received during this time. The representative told me that they was a legal firm, taking me to court if I did not pay this payday loan debt off today and that they were filing the paperwork with XXXX XXXX. The representative would not give me the name or address of the company, they only said that they had my name and my file. I asked for verification and validation of this information. I continually asked for the address of this company and I was told that they represent a group of attorneys and they refused to give me the physical address. I was also told that I was a lying disgruntled consumer and they have to protect themselves. The representative also called me a liar and that she made more money than I did which is why I ca n't afford to pay my bills. Once she said that, then she hung up the phone on me. I called back several times and got no answer ; I was forwarded to the company voicemail. I called back a 5th time around XXXX XXXX on XXXX/XXXX/2016 and spoke with a gentleman who would not give me his name, nor the address and told me that the attorney 's information who filed the lawsuit against me was confidential. He hung up the phone on me and would not tell me anything about the alledged debt, the debt collectors or the attorneys. The representatives of this company called me names, threaten to take legal action against me, made jokes about me not having a job and was totally unprofessional.
In a number of ads that I saw, CIT Bank said, quite simply, that they would pay 2.45 % interest to anyone who opened up their " Savings Builder Account '' with an initial deposit of {$100.00} a month, and then continued to make a deposit of at least {$100.00} a month thereafter. 

Let me stress the word " MONTH '' ; nowhere in any of the ads that I've seen ( and I copied three different ones ) do they use the term " Evaluation Period. '' I made a deposit of {$100.00} on the following date : XX/XX/XXXX ( two separate deposits of {$100.00} each ) ; XX/XX/XXXX ; and XX/XX/XXXX. for a total of {$400.00} On XX/XX/XXXX, I made a deposit of {$75.00}, and on XX/XX/XXXX, I made a second deposit of {$2000.00} CIT bank claims that only {$75.00} was deposited to the account within the number of days that make up their " Evaluation period, '' and that the {$2000.00} payment THAT THEY RECEIVED DURING THE MONTH OF XX/XX/XXXX " doesn't count! '' Again. their ads -- clearly -- state " month '' ; not " Evaluation Period '' ( or any such nonsensical term ). 

Additionally, trying to " communicate '' with CIT is like pulling teeth! 

In the main. they respond to only one of the several ( or more ) issues/questions/requests that you have included in your message to them, and then just simply ignore making an effort to address the other issues that were raised ( or questions asked/requests made ). 

Additionally, while I see that their site says that it " MAY '' take up to four ( 4 ) days for an ACH transfer THAT THEY INITIATE to get credited to an account, they seem to believe that the word " MAY '' is a synonym for " ALWAYS WILL! '' I have made at least two separate requests for assistance on how I can cancel the recurring payments from my bank to this account, and the only instructions that were provided allowed me to cancel only ONE of the recurring payments ( the one that's scheduled for later this month ) ; nothing in the instructions received allowed me to cancel all of the remaining recurring payment ( two a month, through the month of XX/XX/2019 ). 

Even getting them to provide the state that granted them a charter was akin to pulling teeth. I'm left with the feeling that dealing with, say, XXXX would be easier. 

If CIT is going to say -- in at least three of their ads ( if not more ) that all a customer has to do is deposit {$100.00} a month in order to keep the advertised rate of 2.45 %, then they should not hide -- '' in the small print, '' so to speak -- that the {$100.00} payment has to be made in a single transaction ( and that two payments of {$75.00} a month -- for a monthly deposit that is 50 % higher ( {$150.00} ) than the minimum monthly deposit referred to over and over again " don't count as meeting the advertised requirement for " {$100.00} a month. '' In dealing with CIT, I get the feeling that I've run into the modern day version of that guy at the carnival of old who'd always show up with his folding table and those three walnut shells.
I was pulled off of the XXXX XXXX XXXX, by a XXXX XXXX when my complaint became personal to the board. I have spoken to the CF.P.B. ( # XXXX ) on the XXXX day of XX/XX/XXXX ( start of this case ). I have been abused, financial, by the XXXX XXXX because of my complaints with the F.t.c. I recently found out about a XXXX XXXX called the XXXX XXXX using my name spitefully because of the XXXX XXXX Crash. Let me start by explaining my previous issue with my first Credit Card of XXXX   XXXX, during the XXXX XXXX conspiracy act. My financial problems started with the abuse I sustained while doing business with The XXXX XXXX Credit Card. They were the first to take advantage of me with a false charge of a tobacco sale from XXXX XXXX and a Ferry Ride from XXXX to XXXX. I was told the XXXX XXXX President was responsible for these false charges, while I was helping the F.b.i. stop a child XXXX XXXX traffic problem in the system. I was XXXX XXXX, during the time of my working years, and was told to file XXXX 's XXXX, while arguing my case with the Office of Personal Management. After explaining my case to the Office of Inspector General, the  previous President Obama, left office with a promise of a back-drawn paycheck due in XX/XX/XXXX. The new President Trump, recently claimed he was going to pay me my back pay, and also pay off my complete Chase Credit Card Bill. President Trump is aware of the abuse I sustained determining the correct qualities of my work load, while the banking system disrupted my self worth.
Re : Complaint against Bank of America/XXXX XXXX XXXX over their administration of our home mortgageOur mortgage loan is held by Bank of America and is serviced by XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, CO. These financial institutions have repeatedly violated consumer and banking statutes in dealing with us for the following reasons : I. Back in XXXX, XXXX, a non-profit organization, did broker our loan modification with Bank of America ( BoA ) when BoA was also our loan 's servicer. We did strictly honor the modification agreement, but in XXXX XXXX dishonored it for no reason without advanced notice and compelled us to pay {$24000.00} in a lump sum or else we would face foreclosure. In the summer of XXXX, my husband withdrew funds from his IRA to pay the {$24000.00} alleged arrears in order to stop the threatened foreclosure and improve our credit so that we could seek a loan modification or refinance with another lender. We incurred a huge tax bill partly due to the early withdrawal from the retirement account. 
XXXX. Separately, we believe BoA acted in bad faith when it started processing our loan modification request back in XXXX when it was still our loan servicer. But midway through the review process, it transferred our loan to XXXX and XXXX suddenly stopped the modification process without citing any reason at all. 
XXXX. On almost all occasions we mail our loan payments by certified mail to the attention of XXXX XXXX, the CEO of XXXX in XXXX XXXX, CO, however, XXXX fails to timely docket our payments until the grace period lapses and we are charged interest, which again adversely affects my credit score. Once we even sought to fix this situation by sending the payment directly the XXXX XXXX in XXXX, GA and that payment was never posted and the check was never returned to us. We sent a XXXX payment by certified mail which was received, but it was late and we were again subjected to a {$72.00} late charge in XXXX. 
XXXX. On numerous occasions we have requested the history of all our loan payments from the inception of the loan, but BoA/XXXX have never sent it to us and that is a violation of the Truth-In-Lending Act because we are entitled to such statements by right as consumers/borrowers. 
Despite all this, our account is up to date.
I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK INXX/XX/2005AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX BANK XXXX XXXX XXXX  ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX  XXXX BANK XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
On or about XX/XX/2018 Commonwealth Financial reported a new collection account on my XXXX and XXXX credit reports. Said accounts are posted as new and less than 30 days late payment. I am not responsible for this debt and have no knowledge of how this debt is associated with me. I have not incurred ANY type of medical debt that would be legally reportable or collectable. This account they have listed as account number XXXX is a violation of the FCRA and the FDCPA. I have never dealt with Commonwealth Financial and have no legal binding contract or agreement with them.
I have tried on multiple attempts to contact this company called Wells Fargo due to they are showing up on my credit report as a alleged debt I owed since XX/XX/XXXX. As of today i have attempted to removed this debt from my credit profile due to this is reporting inaccurate. According to Wells Fargo On XX/XX/XXXX I allegedly opened an auto loan with them. Then they state that as of XX/XX/XXXX this debt was charged off. I have contacted them on three occasions on sometime in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have asked the company to validate and verify that this is my debt by sending me a copy of the contract that I have signed and agreed to the terms they are referring to due to I have had identity theft in the past around that time they are saying that i supposedly open this account. As of today I have n't received anything showing that they have validated this debt with my signature on a contract. I have contacted all three credit bureau 's to dispute and the credit bureaus continue to tell me its valid but will not provide me with how they have validated this debt. I have also tried to call the number on my credit report XXXX ( wells Fargo ) and I get sent on the run around with the company. I would like for this to be removed off of my account due to they do n't have my signature on file. I have lived in Las vegas in XX/XX/XXXX so I could not have gotten a car loan.