WillisBack/dataset-financial-user-claim huggingface dataset:
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.
Navient calls me and my mother who is my co-signer excessively. I can't believe I've been paying these two loans for 10 years and they still won't make it affordable especially where I live. I went back to college 10 years ago to get a better job but I live in Ohio and my area code is XXXX. We live in a village. There are no jobs here. None. I can't tell you how frustrating it is. 

But my husband is sick and we can't leave. So therefore I'm trying to make the bills with my job and my husband 's XXXX. It's hard. I thought for sure going to college would make a difference in our income but it hasn't yet. That's been 10 years ago. Navient has told me over and over I can't release the co signer my poor mother whom is XXXX   years of age. So I keep trying over and over again. 

Navient hasn't helped me much over the years. Excessively calls through auto systems, they also didn't help to lower payments, they also said there was no way to release my mom.
Navy Fcu Inquiry from XX/XX/2018 The above inquiry is Fraudulent. Please investigate and remove.
i did not have a contractual obligation with XXXX XXXX they are so inaccurate they have all kind of different dates saying i open the account they are so inaccurate its 7 years now and sould fall off my report saying i open account on the XXXX/XXXX/XXXX and on the XXXX/XXXX/XXXX this account need to be deleted from my report and not reporting no data
The closing date for this loan was supposed to be on XX/XX/XXXX. The  company did not deliver a ready for closing and/or moving in. They refused to do the proper repairs to the house before the closing such date. After phone calls to them and e-mails, they were silent for 23 days. Then on XX/XX/XXXX sent a notice of action claiming we Withdraw the Application. This is not true. My spouse 's credit has already been damaged by the Credit Bureaus. We need your help correcting this. 

Company in Question is : Taylor Morrison Home Funding, XXXX XXXX North XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Amount and Loan no. : XXXX # : XXXX {$240000.00}
This is my third complaint about Statebridge Company, LLC. This complaint addresses an escrow check they claim they sent me. In XX/XX/XXXX I stopped receiving my monthly mortgage statements. I continued to make my monthly payment every month, however, and requested in writing and on the phone for a statement. Finally in XX/XX/XXXX I received a statement. In XX/XX/XXXX I received a statement that read NO PAYMENT DUE. I called and was informed that in XXXX my mortgage payment was lowered. I did not know this because I never received a statement and no one told me when I called the office. I called to find out what happened and was told that an escrow analysis was done and that my payment was reduced but that the escrow would stay intact. I made no payment in XXXX because no payment was due. In XXXX I paid the reduced payment of {$520.00}. In XX/XX/XXXX I received an escrow analysis and my payment has skyrocketed to {$900.00}! When I called for an explanation I was told that they stopped escrowing my taxes, even though I was assured in XXXX that the escrow of {$96.00} included taxes and insurance. I filed a new complaint yesterday with your company : XXXX. Upon doing so I discovered that my original complaint, XXXX had been answered. I do n't have a computer and waited patiently for something in writing and never received a response. Under the old complaint Statebridge stated that they did an escrow analysis and lowered my payment to {$520.00} and mailed me a check in the amount of {$3200.00}!! I never received a check from them! On top of that, I do not know where the extra money I sent in my mortgage payments from XX/XX/XXXX to XX/XX/XXXX went, It was to go to escrow but obviously they did n't correctly apply it. I can not make a payment of {$900.00}. I live on XXXX and escrow my taxes because I do n't have a saving nor do I have a way to come up with large sums of cash. Statebridge told me to buy more affordable housing, even though they have obviously totally screwed up my account.
I called EOS CCA at XXXX, spoke to a XXXX. I advised that I had requested a copy of my free annual credit report and saw several accounts that were reported without my knowledge. she was able to locate my account ( s ), stated my rights and sated that it was a attempt to collect a debt, I said ok. Then she proceeded to tell me that I owed a total of XXXX dollars for account # XXXX, and if I wanted to payoff items today. I said no, I 'm unable to pay balance off in one payment. I could make payments on the account, she then asked what my address was, I stated it is XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and then I asked why did I never receive any letter or debt collection notice from them, she stated that she does show nothing was ever sent out by them but I should had received something from the original collector : XXXX XXXX hospital. FIVE years ago. so since they did not mail anything in advance if I made a full payment they would remove the accounts off my credit report, but if I make payments they would not be able to, there system does not allow them to. I asked to speak to a supervisor, she stated he was not in yet I could call back in two hours, I then told her this is not right, I was not provided anything in writing stating I would be reported, if I did I would had made a payment arraignment, she then stated this is your notice I have advised you today of your account and the amount.
I have disputed this with the credit agency that just informed me this was added on my credit file, this is an unknown debt which I believe is inaccurate, requesting full validation
I have a debt in collections with IQ data international from XXXX from years ago and want to resolve this debt. I asked for a letter stating how much I owed and where to send money. They said they do not send letters because my account is in collections.
My vehicle was paid off XX/XX/2013 and was reported incorrectly as a Charge-Off. I filed a dispute with Equifax twice with proof of title and payoff, and then contacted them by phone. They told me to contact XXXX XXXX and have them send proof to Equifax. I did as they told me, however it was not corrected. I contacted XXXX XXXX and they confirmed that the correct information had been sent out on two different occasions to Equifax. When I contacted Equifax again, they said all I could do was submit a consumer statement. Over the years this " Charge-Off '' has impacted my credit score and I have suffered a lower score than what it should be.
On or about XX/XX/2018 I took out a XXXX dollar loan with the company. I was told I could make it in payments of up to XXXX. I asked to have 1 payment pushed back and I was allowed to. I am unable to do any more deferments on the payments owed. The total amount owed is XXXX even after after having the loan for less then a day that is the total amount owed period. Even if I changed my mind on taking this loan out they then would have had me pay a total amount of XXXX no matter what. I am unable to pay this balance off in the needed time frame, and they are not willing to help me anymore.
Please be advised I had a VOLUNTARY judgement with XXXX in GA Phone number XXXX! Part of the agreement was XXXX agreed not to place the Judgement on my credit report! Months later after it was inserted I called the XXXX County Courthouse where the Judgement was filed and the County Clerk advised me that they do not give the credit bureau any information! Apparently, they went seeking the Judgment not knowing the agreement XXXX and I had! I in turn called XXXX and they did acknowledge that they agreed to not report me! I immediately wrote all three bureaus and advised them to call XXXX at XXXX to verify the agreement! Apparently, Experian did their due diligence and called and verified and removed the Judgement but has recently re-inserted the judgment. I do not know who Experian they verified it with because if it was XXXX they would have advised them it was not to report per our agreement! Please see the tradeline below! 
SMALL CLAIMS JUDGMENT Filing Date XXXX XXXX, 2014 Amount {$3600.00} Reference Number XXXX Court XXXX co magist crt Plaintiff XXXX
I have a student loan account with Navient.navient is now commiting fraudulent reporting on my credit report.I have been making regular monthly of {$100.00} since XX/XX/XXXX.I didnt make a payment XX/XX/XXXX because for the fraudulent and inaccurate reporting. The took my payments for XX/XX/XXXX and applied only to one loan XXXX which is {$15.00} a month.Where where payments for XXXX XXXX XXXX applied to.Now my XXXX payments of & XXXX were not applied to any of my accounts.If this were any other business I would have every right to sue.
discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age ( provided the applicant has the capacity to contract ) ; [ XXXX ] to the fact that all or part of the applicant 's income derives from a public assistance program ; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The law applies to any person who, in the ordinary course of business, regularly participates in a credit decision, including banks, retailers, bankcard companies, finance companies, and credit unionsXXXX
Out of the addresses listed on my credit report, XXXX of them is erroneous, and presents an unfortunate street name that not only does not exist, but that seems to be the result of an incorrect recording of an address by someone other than me. The address in question appears slanderous.
They are contacting me when I am not the debtor, a family member is. I asked them to stop calling, but they harassed me and said they would keep calling until I found my family members contact. They are leaving voicemail messages about the debt with private information in it, they are threatening to come after me - although I have never cosigned on anything for this person - it is getting ridiculous, I just want them to stop calling and harassing me as well as my friends and other family members.
Synchrony bank and its affiliate Belk, gave me misleading information in the credit application process, just two months after approving me for a credit limit of just {$300.00}, I guess this was to benefit from interest charges from me. I then became unworthy of doing business with them as they have sent a letter in the mail stating my creditworthiness is not up to their standard and they have reduced my credit line to {$190.00}. Why did they not tell me in the first beginning i was not WORTHY of doing business with them, I feel unfairly treated, abused and that they have deceptively drawn me into their scheme of consistently treating consumers unfairly. They have monopolized the retail market and if you don't have the worthiness they are looking for is that how they treat customers? Consumers who actively pay their credit statements and stay within guidelines should not be put to shame as how they have treated me, it's as if they are telling me we don't want your business please leave. I have seen numerous complaints about their business practices and it seems as if they consistently oppose the Dodd-Frank law with the UDAAP activities they offer to consumers everyday.
This is a fraudulent account and I would like my name and information taken out of your files. I have notified the police and all credit bureaus that this is fraudulent and this account does not belong to me nor do I have any knowledge of it. Remove my information at once. I am XXXX and this is fraud
We ran into a job loss about 4 years ago and we did what everybody told us to do. We called Wells Fargo our mortgage company and asked what we could do. this was after exhausting all savings and XXXX to try to keep mortgage current. They gave us a plan for reduced payments for 3 months which we did and at the end we got another 3 month reduction at a higher payment. At the end of this period we got a bill for a balloon payment for all the back due. We were never told about this. Lie # 1. The next thing we know is that we were in foreclosure. We then whet through their program to modify the loan. Over the next several years, they lost our paper work at least 3 times and we submitted document after document and were denied. Finally I was told that it looked good but then my wife 's and my student loans were brought into the equation and it was denied another time. Meanwhile we paid the payments until they refused payment. We tried to sell the property, we tried short sell and were denied and we tried a deed in lieu of foreclosure and was denied twice. XXXX we decided to move and abandon the property and we had to tell them to take it to sheriffs sale and now it was stayed on XXXX/XXXX/XXXX. We just want them to take the property, but they seem to want to drag this out as long as possible. The agents at Wells Fargo have lied to us and even went so far as to tell me about her son being XXXX from the military. I have spoken to their executive office and got no resolution. I feel I have done everything to try to save this property, but at every turn have been treated unfairly and it seems that for some reason Wells Fargo is racking up charges to try to get more money from the FHA. Now I just found out that the reason for postponement for the sale was because they think we are XXXX military. I am XXXX and my wife is XXXX, we have both been XXXX military since XX/XX/XXXX and my wife since XX/XX/XXXX. Just another delay and more charges.
I refinanced my FHA loan XX/XX/2015 through a program to reduce my mortgage insurance. HomeBridge Financial Services acquired my loan at that time and began harrassing me by calling repeatedly ( while I was at work on my cell phone and on my work phone ) about paying my mortgage, even though the checks I sent in were cashed! 

Now I have a new, VERY serious problem. I have received Notices of Delinquent Secured Taxes with late penalties of over {$1200.00} due to the fact that no one has paid the taxes on this property. This is completely unacceptable and I will not be held liable for these late charges. I was NEVER told that I would be responsible for getting the taxes paid. This is an FHA loan and therefore an impound account is assumed and it was my understanding that this is n't something I have to worry about or handle on my own.
The annual fee of {$95.00} for the card was billed on XX/XX/XXXX. Chase decided to close my account on XX/XX/XXXX. The year for which the card is being billed was never used and, furthermore, if I cancelled the card by XX/XX/XXXX, Chase would have voluntarily ( they admit ) refunded the annual fee. However, because Chase decided to close the card, they insist that the fee can not be refunded and that I owe them for a year 's fee for a card that I don't have.
On XX/XX/XXXX I received a letter from Citibank, informing me that their records reflected that i was previously enrolled in XXXX ', which is an optional debt protection program offered by Citibank in which I was charged a monthly fee. I further researched the matter because I closed my Citibank Credit Card approximately two years ago, so to my surprise I didnt understand why I was receiving a letter from Citibank. After researching it I found that Citibank settle their lawsuit in XX/XX/XXXX but here XX/XX/XXXX I am just being contacted in reference to being enrolled in programs without my  consent or not being properly informed by the representative of the charges, the only thing I was informed of at the time automatic payments was set up was that ; my payments would be {$67.00} a month. I have never been informed by a Citibank Representative about any program costs or benefits that would occur on my bill.
THESE ARE THE VALID CCP CODES FOR CALIFORNIA CCP XXXX Those are Civil Codes of Procedure for the State of California. 

I have a levy put on my account by a creditor whom I 've never heard of. I 've reached out to Bank of America over the phone, sent supporting documents via e-mail, as well as supporting documents to a branch manager for forwarding to your legal department. Not only did I show proof that all monies that were in my account have been for living expenses because of a XXXX XXXX injury / XXXX XXXX, I even forwarded the supporting link as well. I recently had XXXX on XXXX XXXX 2016 and all my XXXX payments were almost exhausted. I was giving a pre settlement loan from XXXX XXXX for living expenses as well. I even showed proof of that. Why did your incompetent legal department tell me that in the State of California XXXX and XXXX are n't exempt from bank levys? BofA did n't fulfill the laws of California even after they 've double checked. So ... they released my money to the sheriff 's department. Now, I have to go to court to show the judge the supporting documents because your XXXX excuse of a bank levy bench department could n't follow the law. 
Why has bofa lied to me about this CCP for California?
On XX/XX/2018 i sent letters to XXXX XXXX XXXX acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXXXX XXXX I have also sent copies of debt validation letters to XXXX XXXX  and Transunion only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by XXXX XXXX XXXX. 

XXXX has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XXXX case # XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.
On XX/XX/XXXX, USCB Corporation placed an item on my credit report on the behalf of XXXX College. After multiple disputes, On XX/XX/XXXX, XXXX deleted the debt from USCB Corporation from my credit report, due fraudulence and USCB Corporations failure to verify the debt. On XX/XX/XXXX, I received a letter and yet another itemized invoice that does not included my signature or an original contract from USCB Corporation that states that on XX/XX/XXXX, they will place the item back on my credit report. Despite already being founded as a fraudulent charge, USCB Corporation continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act.
I am writing due to this agency, XXXX XXXX, showing up on my credit reports on XX/XX/XXXX & today XX/XX/XXXX. I have no knowledge of this account or debt and have never done any business with this  company. I am disputing that I owe them anything. This is reporting negatively on my credit profile as an open account and I would like it removed as it is reporting to the Credit Bureaus and negatively affecting me, an unfair. This information was also shared illegally without my informed consent. I would like this collection agency and any associated debt removed immediately due to it reporting to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and possibly XXXX in the future, and it is negatively affecting my credit report. Thank you
I have reached out to this company to validate debt and they have yet to validate. I am requesting valid documentation as well as my signature to alleged debt
I have tried on multiple occasions to cancel my Experian credit monitoring. I am on hold for over an hour each time I call. 

Last time I was on hold for 96 minutes then someone answered and hung up the line. 

They take XXXX dollars per month and I have no way of canceling my service. I try to cancel online, only to be referred to call and cancel. 

This is fraud and must be stopped.
I had XXXX late payment to XXXX XXXX Bank in XX/XX/XXXX. Since then II have not had a late payment. I have had the card since XX/XX/XXXX. I did not havehave a late payment prior to XX/XX/XXXX. They put this account in the " con-sidered negative '' category and refuse to remove it from that categoryuntil XX/XX/XXXX. .7 years of punishment for XXXX late payment. I contacted thebank and they said that they did not request the negative assessment. Icontacted the reporting agency and they refuse to adjust the time line. 
The punishment is onerous and unfair and I am unable to find a way toremove the negative connotation. I am not saying that I was not late thatone time -- I am not arguing about the validity of the " lateness '' but I amupset that I can not get the account re-classified. 7 years is way toolong to be punished for XXXX late payment.
The company I complain about is Coinbase. 
I made a withdrawal XXXX euros, wire transfer from my Coinbase account to my bank account on XX/XX/XXXX, they said that transfer is confirmed and money should be in my bank account within XXXX. Have done this before, usually 1-2 days and money is in my bank account, but not this time. More than 9 days now, but still no money, I have written them complains and asked for help, but no answer at all. 
Could you please help me sort this out! I am ready to give you all the information you need about this transaction!
I want midland to provide pay history, settlement statement truth in lending disclosure, title policy and appraisal
Everything goes well before XX/XX/XXXX, I can buy and sell coins through coinbase. Then I deposit XXXX $ to coinbase on XX/XX/2018. And the money number appears in my coinbase correctly. After this, they suddenly suspended my account and asked to add my SSN to complete verification. Then I try many times to use my SSN to finish this verification. But it always fails. I contacted coinbase then, and three months later, i still not get a proper solution ( they only replied me twice ).  Nothing i can do but wait. They can not let me DEPOSIT MONEY AND JUST LOCK MY ACCOUNT.
I submitted a fraud affidavit to Santander after discovering that my credit was used to purchase a vehicle. This was submitted to them via certified mail on XX/XX/18. Over the next couple of weeks, I continued to contact them via the phone to get an update on what the status of this fraud claim was. I was only able to get a hold of someone once during multiple attempts at contact. 

During this one contact I was informed a police report would possibly be needed, but I will get confirmation of this within a couple of days. After more days of waiting I submitted a police report via certified mail on XX/XX/18. I continued to contact Santander at least once every two business days, leaving a total of five voice mails on their fraud department lines, where I would always be redirected upon calling and entering my personal information. 

Later, on XX/XX/18, I received notice from Santander that my claim will be closed as they have determined to not have enough evidence needed to process my claim. This has led me here, to file a formal complaint, as I have done above and beyond the legal requirements to have this fraudulent activity removed from my account.