WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased my home in XXXX. At that time, my legal name was XXXX XXXX XXXX. In XXXX, I filed chapter XXXX bankruptcy. Since I had XXXX mortgages, the XXXX ( The XXXX XXXX ) was discharged. Since, they have sold to Caliber. I learned last week that Caliber has marked the account as active and state that I owe approx. $ XXXX. I have called numerous times. The automated system does NOT recognize my ssi number, nor loan number. The only other option is to dial the ext of the person you wish to speak. I CA N'T get through to a live person. I sent an email and received an automated response saying they will reply in the legal amount of time. What is the legal amount of time? I had a loan officer call. She was able to speak to a supervisor who argued with the loan officer. The representative stated they will take the FULL 30 days before responding. This is clearly an error. The only thing received since bankruptcy was a XXXX for tax purposes, clearing the debt. I have never received anything since. I just want this corrected immediately and off of my credit report. I am not sure if XXXX forgot to mention bankruptcy or if Caliber did this on their own. Bottom line, I need this to be corrected immediately. This is horrible customer service.
Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with XXXX XXXX. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from Dyck O'Neal regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.
I got this loan without even looking at ridicules interest and high payments, still trying to help my family out.
trans union has posted on my credit that I have 3 late payments & delinquent on my credit score they dont have the right to post these negative very high impact with out signed documentation with my signature that i am in agreement with them .... its very wrong & very damaging. I'm trying to get loan for a home by end of year but with these wrong negative information brought my score down by law they have to take it off if they dont have an agreement with me & signed documentation please help
I wrote to Trans Union XXXX 2016 ; to remove XXXX ( XXXX ) adverse accounts from my report. I received an update today. Estimated removal for : 1. ) XXXX XXXX Account # : XXXX is : XXXX ; this account should be removed this month ; XXXX XXXX, 2016 ; the 7 years is now. I do n't understand how or why they can continue to keep this on my report. 

Also for 2. ) DSNB/Macys Account # : XXXX ; estimated removal is : XXXX ; this is not correct ; the 7 years is now ; XXXX XXXX, 2016. I do n't understand how or why they can continue to keep this on my report. 

Both XXXX and XXXX removed these account on the anniversary dates. Please help me remove.
On XX/XX/18, I was the victim of a " virtual kidnapping '' fraud scam. A caller told me my father was in a car accident, which had seriously injured a child family member of violent criminals, and had resulted in a confrontation that led to my father being kidnapped. The caller was able to produce personal information about me and my father and, positioning himself as a reluctant but influential member of the violent criminal gang, was offering to broker a release for my father from his alleged kidnapping for {$3000.00}. He threatened that my father would most likely be killed, and that only through the caller 's intervention was my father 's life being spared. He threatened my father 's XXXX  unless I paid {$3000.00}, or if I hung up the phone, or if I made any attempt to contact my father. The caller advised me to make an international money transfer to his family-member in XXXX XXXX using XXXX XXXX, which had security protocols to prevent such a transfer ( by requiring me to call their XXXX number before finishing the transfer, which discouraged the caller from pursuing this option ). 

The caller then asked me to make multiple transfers through MoneyGram, and I made four transfers ( the transactions : {$910.00} : Reference # XXXX at XXXX to XXXX XXXX XXXX XXXX XXXX ; # XXXX at XXXX to XXXX XXXX XXXX XXXX XXXX , which the caller reported had failed ; {$910.00} : # XXXX at XXXX to XXXX XXXX XXXX XXXX ; {$890.00} : # XXXX at XXXX to XXXX XXXX XXXX XXXX ) . At this point, the caller continued to ask for more money and to make additional threats, changing the scenario he had presented earlier. I risked contacting my family and realized that my father was safe. I hung up on the caller, who then sent me a threatening text message. 

I filed a police report with my local police department and went to my bank to see if it was possible to prevent the transactions or recover the funds. The banker called MoneyGram 's customer service associate, who told me and the banker that it was not possible to recover three of the four transactions but that the second failed transaction would be refunded to my debit card. The purpose of this complaint is that the promised refund for the second transaction has not happened despite the passage of 96 hours since my call with MoneyGram 's service associate. In addition, I have now learned that this is a common scam. I would recommend that MoneyGram implement security protocols so that it is not abetting fraudulent victimization of customers in the future. As I reflect from my experience, I would imagine that such protocols could include subjecting transactions to a confirmation with MoneyGram 's call center ( similar to what XXXX XXXX successfully implemented in this case ) if they are international transfers to a location known to host such scams, if they are sent by first-time senders, and if meeting these considerations are at a transaction amount slightly below {$1000.00} and especially if repeat transactions, it would be helpful to consumers and helpful to the rule of law for MoneyGram to invoke some kind of protective measure.
Equifax is reporting two open collection accounts for a debt collection company called XXXX XXXX XXXX. Both of these accounts have been deleted from my credit report by both XXXX XXXX and XXXX. The last payment on the account was 2011 and both accounts exceed the Michigan statute of limitations for collection ( 6 years ) as well as 7 years on a credit report.
I have used this company just little over a year they have three times switch accounting department XXXX have taken money extra payment from my account over 3 times the last time was XXXX XXXXand now its XXXX XXXX three payments was taken from my account simply because two they said they change companies and did not collect the money so I authorize them to take the two payments the following day another payment shows up that they took from me XX/XX/XXXX. I have made several phone calls and documents to show that the payments have been taken and they have refuse to refund my money as of yet all I can say is please stay away from this company.
3 unsolicited hard inquiries on my bureau. No application for credit limit increase and my credit was pulled 3 times as of XXXX XXXX 2017.
On XX/XX/18 I placed an item on my Equifax credit report in dispute. On XX/XX/18, I was notified to login and check on the status of the dispute. Today is XX/XX/18, and I have tried every day since XX/XX/18 to login and can not access their status check or my credit report. I have logged into my account, but can not retrieve any additional information. I have done an online chat two times without any success, most recently today, and have called their customer service number only to be told that they can't help me. How am I to be able to monitor my credit report if I can't retrieve my credit report from Equifax or see any dispute resolutions? This is unacceptable that a company can hold such a monopoly on my credit information without providing any assistance or resolution to inaccuracies.

No one wants to do anything about this heinous company. Equifax has gotten away with erroneous credit reportings for years. As a consumer, I should be able to see my report and fix any inaccuracies, but I can not. How to you let Equifax continue to get away with this? I have had issues with them over the years. XXXX  and XXXX  at least resolve the issue. Equifax does not care, and until the CFPB or someone holds them accountable to the consumer, they will continue to treat consumers in this way. Help!
I have been receiving over XXXX calls a day from a Car Finance company that goes by the name XXXX located in XXXX NC. This company has been leaving very detailed information about customers loan status as well as personal information on my business voicemail. I have given the company a verbal and documented Cest and Desist letter. But I 'm still receiving the calls and even text from this company. The reps have stated they were given my business number as a number for personal contact. I know this to be untrue because my number is associated with my small business and the only reason to call it is for questions concerning my business. The numerous calls over and over and at anytime of the day and night is harassing and my next steps involve me contacting my local police department to file a complaint for harassing phone calls. I do not have any financial ties with this company and I would like them to be investigated about why there leaving other customers loan info on my business voicemail.
XX/XX/2018 I sent certified letters to Chase Bank for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested Chase bank to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 Chase Bank has not sent anything. I then disputed the accounts with XXXX and XXXX and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? Chase Bank cant verify.
After open a business account for a new business, I applied for a CitiBusiness AAdvantage Platinum Select World Master Card. 
This application was rejected, I called Citi and the representative did a manual revision of the application and was rejected for a second time, she told me that I will receive a letter explaining the reason why the credit card was denied. 
For my surprise the reason was : THE CREDIT REPORT SHOW DEROGATORY PAYMENT HISTORY After read this I was very worry, because I been very responsable with my finances. 
I called CitiCards ( XXXX ) they told me that the decision was made based on XXXX and they recommend me to call them. I did and a rep from XXXX told me that they dont have any information on file about this business and send me an email with this explanation ( of course this is a new business ) Due to the application was made based on my personal credit history I decided to call the Bureau of Credit and they send me my personal credit report that dont show any late payment or derogaroty payment history as they said. 
Base on the Equal Credit Opportunity Act ( prohibits creditors from discrimination ) I consider that I was a victim of a discrimination by Citi and in order to support your decision CitiBank used FALSE INFORMATION that is not contained on my business or personal Credits Reports. 
Im sending for your review XXXX Copy of the letter sent by CitiBank XXXX 
2- Copy of the email sent by XXXX 3- Copy of my personal credit report. 
I strongly request an investigation in order to know what kind of information Citi used to conclude " Derogatory payment history '' Im not complaining about their decision. My concern is the FALSE INFORMATION they used to conclude that.
Our mortgage was opened in  XX/XX/XXXX  with   XXXX   XXXX  . The mortgage was on a property that contained  XXXX  parcels. An escrow account was set up for the taxes and insurance. The payments on the mortgage were paid on time until XX/XX/XXXX , and then brought up to date in  XX/XX/XXXX . At this time, we discovered there were past due taxes on the property. CHASE was paying taxes on only  XXXX  of the  XXXX  parcels, which has now created delinquent tax bills including interest and penalties. Additionally  XXXX  sold this mortgage to  Bayview Loan Servicing . We have been trying to sell the property and payoff the account, however do not feel we are responsible for  XXXX  's error and lack of payment of taxes. This error is causing a delay in the selling of the property. We have reached out t o Bayview Loan Servicing  4 times in the past several weeks and have not received any assistance in settling this issue. We have forwarded documentation including tax bills, and other pertinent documents. At  one point, a representative from Bayview even acknowl edged there was an error, however that  XXXX  was ultimately responsible for the error.
I just want to bring to your attention an issue I had with XXXX XXXX ( formerly known as NationStar ). During my recent mortgage payment I made an additional payment on top of my monthly mortgage. I am up to date with my payments. Rather than apply my additional payment to my principal, they used it as an additional monthly payment. I find this very troubling because this result in the additional payment being used to pay for interest and it increases the interest I will be paying on the mortgage. 
Before XXXX XXXX, my mortgage had other servicers and this is the first time this is happening. I think this kind of behavior is n't in the interest of their customer. It helps XXXX XXXX make more money while cheating the customer.
my daughter did not pay her loans in a timely manner. as a result the private loan company Navient came after me to pay the outstanding balance and be responsible for paying the XXXX loans that were due. they did not explain anything about the process only that according to them I had enough extra money to pay these loans which have interest rates of 9 % and 8 % and 9 %. I do not have the extra money and have repeatedly contacted them to find a way to either put them back on my daughther who I am sure would be able to get a financial hardship decision regarding her income. I have been trying to find some program to help me with this loan company who at the very beginning reported to XXXX credit company that XXXX loans were in default which in turned notified my bank who then froze my line of credit and I have not been able to resolve that issue either even though I have been making payments on the XXXX loans on auto pay. these loans came from XXXX XXXX and they sold them to Navient with very little notice. I always thought that XXXX XXXX was a government program not a private lender. Neither company has been willing to discuss any way to fix these payments in a way that I can afford to pay them. They total over {$350.00} a month all together. They are rude, and have not cleared up the default to my bank or the credit company. There should be some government agency that oversees these companies so that they can not continue this practice. I need some help with this illegal situation.
To Whom It May Concern : I am writing to lodge a formal complaint with the CFPB against Equifax, the credit reporting agency. 

Like millions of consumers, I learned in the newspaper and on television yesterday that my social security number, date of birth, home address and other personal information may have been compromised by a data breach at Equifax that occurred between XXXX and XXXX of XXXX, but that Equifax only revealed yesterday ( XXXX XXXX, XXXX ). 

In accordance with instructions in the newspaper and on the Equifax website I went to a special webpage that Equifax set up to let consumers know if there data had been compromised as part of the hack. 

I was informed by the Equifax system that my social security number and other personal information may have been compromised. And that 's it. No other clarifying information is provided. All a consumer get 's is appointed date to sign up for some lame credit monitorings service, with a disclosure that there will be no reminders and no other information about such an important topic. There is no number to call to get other information and no other support provided. 

This is outrageous. Due to Equifax 's breach my credit history could be compromised ( literally as I type this ) and Equifax refuses to provide reasonable information or support to consumers. 

Something must be done. This company needs to be directed to do more and to be fined severely for failure to disclose the data breach and correct it for months.
Company wrote letter advising HELOC was charged off. Also credit reported initially that way as well. Did not see copy to CFPB. 

Claim was for XXXX period damages coersion forcing modification of their HELOC to allow MOD of first to XXXX XXXX which they serviced. Refused reasonable short sale not advising XXXX they would be paid in full. 

Now they are again starting collection against us after advising they had done XXXX off
After around 10 years of at least 15 carriers and over 100 letters threatening to foreclose, litigation, in which a judge ordered the loan to go to arbitration around 3 to 4 years ago, a new company appeared out of no where and claimed they where the new carrier and told me they had no previous records of judgements or court preceding 's, nor any documents pertaining to the loan. 
as of around XX/XX/XXXX of this year, after many letters from several mortgage companies, Carrington mortgage, llc started sending letters claiming they were the new carrier of the note, ( one note, I had received a letter from the last carrier saying they would no longer be servicing the not and the insurance would be dropped ). around may I received a letter from manner, XXXX XXXX XXXX XXXX XXXX saying the foreclosure date was set for XX/XX/XXXX. I then ask an attorney, ( whom I have not retained but only ask for legal advise ) if I had the right to all docs pertaining to my loan and proof the carrier was a legitimate company and had the right, after I told the Attorney of my situation she called the law firm and said before you foreclose could we have the docs pertaining to the loan, the attorney for the mortgage co. said she would pass the info to Carrington and she would request a stay on the foreclosure. they postponed it for one month and 10 days. We took this time to speak with Carrington mortgage to obtain docs, such as transfer history, proof of carriers, loan payment history, ect. we received nothing. the lawyer ask me to do a three way to talk with Carrington on the matter, the conversation went nowhere and Carrington said they where foreclosing. they had no records, 0,  they did send us some loan payment history but you could not read it, and the Lawyer representing Carryington sent us and Altered Deed Of Trust. you could not even tell who's loan history it was. This, in my opinion is a scam to foreclose on anyone who is unsuspecting and because they refuse to show any documentation, I must conclude there is none.
XXXX XXXX XXXX XXXX XXXX states as per earlier letter sent to me regarding a medical debt with XXXX XXXX XXXX XXXX XXXX account number XXXX First I will start off by saying I never received a initial letter or a first letter regarding this debt. Second at no point did I ever receive treatment at XXXX XXXX XXXXXXXX XXXX for anything This is a complete faberation
I recently financed a vehicle through PNC, I purchased the car on XXXX XXXX. When I had not received any information in the mail regarding my account number, when my first payment is due, and how to make a payment, I called today XXXX/XXXX/16 as I slightly remember the dealership saying that my first payment was due XXXX. The representative on the phone told me the coupon book was mailed on XXXX XXXX and that I should be receiving it soon. I had called to schedule online banking since I wanted to make sure my payment was not late, only to find out that I could not schedule online banking with PNC to pay this loan unless I had a PNC checking account, I do not have a PNC checking account. I then tried to schedule autopay through my bank where I have a checking account XXXX XXXX XXXX and needed the address for XXXX to automatically send a check each month. I had to call back PNC for this information, I expressed concern to them that since I was through this method, the payment could end up being a few days late since the payment was due XXXX/XXXX/16. They offered to transfer my concern to escalations, with a 24-48 hour XXXX to get back to me. I advised them that since the payment is due XXXX/XXXX/16, that would not benefit the situation. My concern is how could they expect a customer to make a timely payment if the coupon book containing their account number and how to make a payment was n't mailed until XXXX/XXXX/2016. Furthermore, I have yet to receive my loan agreement - which is a further concern of mine.
On XX/XX/XXXX a call was placed to Transunion. I spoke to two representatives. One outside the United States and one United States representative. I am a XXXX veteran, a victim of identity theft and recently notices many unauthorized inquires on my consumer credit report. I also have a fraud activity alert on my file and have not received notice of new credit inquiries. These representatives would not help me with this issue. Inquiries include : 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX/XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX -XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX 10. XXXX XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX XXXX- XX/XX/XXXX 14. XXXX XXXX- XX/XX/XXXX 15. XXXX- XX/XX/XXXX 16. XXXX/XXXX- XX/XX/XXXX 17. XXXX/XXXX- XX/XX/XXXX 18. XXXX XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX  -XX/XX/XXXX 20. XXXX XXXX- XX/XX/XXXX 21. XXXX XXXX XXXX-XX/XX/XXXX6 22. XXXX XXXX- XX/XX/XXXX
XXXX has claimed on two separate occasions that their turn around for loan verification is 3-7 business days. After 4 calls and now a month of waiting, I still have not received my loan verification form for my employer. I need it because my employer, as part of my employment, pays for part of my monthly payments. They only pay for the months going forward after the paperwork is finished, therefore I am paying out of pocket for loan payments that my employer would have picked up had the paperwork been returned on a normal schedule.
While attempting to purchase a house this month the mortgage company found an account in collections. The amount was less than {$30.00} and has currently been in collections for 10 months. We have never been contacted. No phone calls or letters. In other words we did not know that we owed money or were in collections. The lender and I contacted the collection agency to try to resolve the issue. They claimed that have sent " numerous '' letters to us and none of them have been returned. 

They are using an address that we have not lived for 7 years. That fact was of no interest to them. They were not willing to help us remove the account even if we paid it off. 

How do we prove whether they had mail returned to them or not? 

How can we possibly prove that they have never called us? They can have no recorded calls with us, as we have never spoken to them. 

All we can prove is that they had an address that was outdated by 7 years.