WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage since 2010 with XXXX then XXXX and Experian do not have it.. But XXXX  and XXXX have it .... I call XXXX and they said they send the report every mouth.. I call Experian and they said I have to call XXXX.. Im getting the run around from both ... Can you help
My Payday loan is included in a debt consolidation program i am currently enrolled in. I was told not to pay while trying to settle and that they should not call me at work. They are currently calling me daily at the number listed above.
On this day at approximately XXXX I received a call on my personal cell from XXXX I did answer it. And it was a rep from First Bank Card. Before she began to ask me any questions I asked her why is she calling me at XXXX, she stated she did n't realize what time it was. I stated " you call me every day, so why are you call me at XXXX in the morning '' " Do you know this is a violation of the CFPB '' and she stated yes and then went quiet on the phone, and I told her I would be in contact soon. Once I hung up, I picked up my other phone to see if they had called that phone, and she sure did at XXXX and she left a voice mail as well. I will attach the vm and the phone log. The bill was paid the day before and has always been paid.
The following unauthorized inquiries are showing on my TransUnion credit report. 

When I call their toll free number, my calls keep getting transferred to India. The representative says even though my info was improperly used, I am responsible for contacting each company to straighten this out on my own : 1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 5.XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX All they do is read to me from a script. It is very frustrating! XXXX and XXXX  were very willing to help when I told them what happened. TransUnion is not.
Today XXXX XXXX 2018 I contacted my XXXX XXXX to ask when and how many times do they report my balances to ALL 3 Credit reporting Bureus. XXXX stated ( and I have their email statement ) ONCE A MONTH. I signed up for XXXX XXXX credit score monitoring with Free Daily Alerts. It appears, that Equifax, XXXX XXXX and XXXX are reporting to my credit file balances Two weeks after my closing date with XXXX XXXX,  then immediately decreasing XXXX XXXX score as much as 20-30 points at ANY GIVEN TIME OF THE MONTH. I find this to be wrong. My XXXX XXXX closing date is the XXXX of each month. Verified with XXXX XXXX. Why is Equifax, XXXX XXXX and XXXX  reporting balances two weeks after? And decreasing my score? I am AFRAID to use my XXXX XXXX at ANY TIME because Equifax, XXXX XXXX and XXXX is reporting incorrectly HURTING my score. I applied for credit and was denied because of this game the Credit reporting agencies are doing. I have TREND REPORTS by XXXX where it shows the dates, the decreases and the entire month graph as proof. I also have a written statement by XXXX XXXX that they ONLY report my Balances every XX/XX/XXXX of each month. What is happening here, is that the credit reporting agencies are keeping my Credit Line Utilization Ratio High, when in reality it is low 4.5 to 7 percent. By doing so, my scores drop. I know my rights as a consumer and I demand an Investigation to this bad business practices. XXXX XXXX advised I should report this immediately because it is wrong.
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX., has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
Hi, my problem is when I was XXXX yrs old I went to get a XXXX at the local XXXX college where I grew up. I was automatically enrolled in a quarter ( I was XXXX, mind you, I had no clue what was happening ) so I figured I 'd give it a shot and it was under a PELL grant. I decided that was not for me, as I was going to be a XXXX, which I am now. So ... here we are, decades later. 

I am told I was enrolled in a different XXXX college, rather some distance from where I lived. I did not. I am told there is a consolidated loan on this. I did not do this, either. I have tried explaining this until my face is blue and get nowhere. 

At this time, I do n't even know what this other college is! 

So, I was contacted by NCS and it seemed I could finally get a resolution. I filled out so much paperwork it seemed to me, maybe someone would actually look into this and fix it. Not so much. They took all my info and proceeded to garnish my wages. I can not have this much taken from me, especially since I do n't owe it. 

I called NCS and was told I was put under a financial hardship and they would not take more than XXXX $ per monthly check. Surprise! It was 15 % of my ENTIRE check, garnished. I 'll end up with no power and no apartment within months if they do this. 

My plan was to go ahead and let them take a garnishment ( small, not fun, but managable ) while I contacted a lawyer to see what I could do about this, as all I get is a runaround and they really do not care to even listen to what is going on, or care if I lose everything so they can just do whatever they want. 

I was suppose to get a phone interview, did not happen. 

They say they wo n't take more than XXXX $ but took twice that amount. 

I was XXXX and did n't know what I was doing ( parents were not involved, just me. ) I have tried, many years, to just talk to, and find out what this is even about. No info is given, they just take my money for some school I never went to. 

I never, at any point in my life, spoke with anyone about, or, consolidated any loans. 

I need help, and did contact a lawyer, who directed me here. Mostly because I have no info on what this even is, as nobody will tell me. All they care about is robbing me. And this is robbery. 

They ca n't even get my name right on this. 

I am a professional, and this is BAD for my reputation.
Wensday  I entered UNITED CHECK CASHING IN  XXXX  DELAWARE to cash my tax refund  XXXX   XXXX  well every thing went ok untill i ask for my money well they told me come back and we will have your money so i think nothing of it and say ok so i go back and i am told that they can give me  XXXX  oo and  XXXX   XXXX  dollar mony orders and a prepay card with  XXXX  oo Ok so i said ok and agreed with it so it went well i spend  XXXX  oo of this money and the very nex day  i w ake up and all my money from the pre pay card was swipped clean levind a  XXXX  balance so like anybody would do i called the number on back of the card and the card respond that sorry you need go back where you had gotten it Ok so same  day i call car d i call UNITED CHECK CASHING and ask them what happin to my money they where friendly enough so they tell me oh yes we take the money of the card and that i should bring the money orders back so curious i ask WHY? The reply was " WE ARE GOING TO CASH YOU OUT AN D JIS G IVE YOU YOUR MONEY " So i say ok be rite in well then i arive to the place UNITED CHECK CASHING to get my money and when i arrived they took all my money back and say i have to PAY THEM for what it was my money then i ask if they can return my check and they say " IT GONE " of course im gon na ask what? they told me come b ack the next day and i get my check back well guess what i only got a copy of the tax check and noticed that it was allready deposited to there acct stamp and every thing so yhen i ask my personal papers  an W2 forms with my ssn and my kids ssn also my husbands ssn and the y reply OH NO WE GON NA HOLD ON TO THIS IN CASE YOU TRY TO GET US IN TROUBLE " '' SONOW I GOT NO CHECK NO MONEY AND TJEY WANT ME TO  PAY THE REST OF MY OWN MONEY WHAT THEY CRAZY THEY NEED GIVE ME MY  XXXX  back what should i do to get my money back the check was already signed by me and my son whom my husband gave his concent on video chat with the teller at the UNITED CHECK CASHING IN  XXXX  DELAWARE  XXXX
Caliber Home loans has claimed to have made payment on my property taxes. This is incorrect. I 've asked them to provide proof of payment ( reciept with the parcel number XXXX 's ) and they are yet to do so. I 'm now being charged escrow to pay them back. They keep looking into it by asking the same question, " was a XXXX payment made? '' and the answer is no. I paid it, I 'm not sure where their payment went.
Refinanced home with 5/3rd Bank in XXXX of XXXX. The statement on XXXX showed a charge posted on XXXX of {$1300.00}, listed as " SHORT PAYOFF ''. The explanations I have received over the phone have been unclear and seem to indicate a mistake being made in the original closing. They have said that we were credited twice for something. I have requested in that an explanation be sent to me in writing with all the math. I have not received that information and am concerned that INTEREST is accumulating on that fee, charge, or whatever they want to call it. I have spoken with the person at XXXX on : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; and XXXX/XXXX/XXXX. 
I find it hard to believe that they can can not explain this charge.
21st mortgage sent letter not certified stating they will offer is XXXX to move in 10 days from XX/XX/XXXX letter rec on XX/XX/XXXX. Balance owed one payment of XXXX and upcoming payment will be paid in XX/XX/XXXX. First payment of XXXX will be rec on XXXX next payment including late fee will be rec on XX/XX/XXXX, we believe we owe less be used we were told the escrow payment account was overpaid by XXXX and would be applied to the account meaning XX/XX/XXXX payment should be XXXX and XX/XX/XXXX payment is going up to XXXX. There are only two items paid out of escrow insurance which is XXXX a year which we paid up front the first year they paid out of escrow this year. Last year no property tax payment new property tax XXXX they continue to pad the escrow without applying the overage to the account and now are saying we are way behind acct number XXXX
XXXX XXXX of Lockhart, Morris, and Montgomery threatened me and said it was a crime. He threatened to go after my grown daughter who does not live with me and is in no way obligated for any of my debts. Before he knew who I was and before he told me who he was and what it was about, he told me all of my personal information. He had my social security number, address, date of birth ... all of my information.
I was charged {$490.00} for a mortgage application that should not have been sold. Loan Officer XXXX sold me an application for a mortgage that Citizens later said I was not qualified for, information the loan officer knew. He used deceptive sales tactics to get me to apply, which included lowering fees more than competitors and dropping contingencies - all despite knowing I could not even qualify! In addition, the loan officer did not even keep to contractual deadlines or keep in any regular communication with myself, the client. The deadline problem did not only occur with the application in question but also a previous and different mortgage with myself, the same client. I did not have a good experience with Citizens on either my original mortgage closing or my application for a second mortgage. I communicated with Citizens about getting a second mortgage because the bank had all my information and therefore could quickly tell me about what type of loan I could purchase, or whether or not I could even qualify. I was not informed that I did not qualify for the ( conventional ) mortgage I applied for until after the mortgage commitment date was due! Even my realtor, XXXX, had trouble getting XXXX to keep in regular contact. On the day of the mortgage commitment he had to hear from XXXX boss, XXXX, about why there was no mortgage commitment from the bank on the day due! 
I applied for a conventional mortgage to move to a different house in the same neighborhood but was told, after passing the mortgage commitment date, that for the loan to still move forward it would have to change to an investor mortgage. The reason given being the loan may not pass Fannie Mae rules, rules that the loan officer claimed he had not and could not have had any knowledge of, despite working the industry for 20 years, closing about XXXX loans a year, and had all my information from a previous closing in which he could have asked underwriting before getting me to sign the application! 
Afterwards, I filed a formal complaint with XXXX with the Office of the Chairman who promised a thorough investigation but came back saying Citizens did nothing wrong. She claimed the loan officer properly informed me about why my application could not be approved. The bank is basically lying and trying to walk back their mistake because I clearly told the Office of the Chairman - with evidence - that the loan officer did not communicate any problems or issues with my application until after the mortgage commitment deadline was passed. They wanted to change what type of mortgage I was applying for, all after the fact, when they should have know prior to formally applying that my application could not be approved! It was very clear that the bank should not have attempted to sell an application since they had information available that it could not be approved, especially to a long time customer.The bank, especially the loan officer, did not act in the best interests of the customer as they charged me for unreserved services.
I have tried TWIC -- once in XXXX and once in XXXX -- to get my free credit reports from XXXX  and Transunion. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly XXXX, Transunion just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months
I had a Student Loan classified under Private Loan with Sallie May back in XX/XX/2004. After my XXXX program ended, I didn't get a job that would allow me to make the monthly payments on the loan. Instead of Sallie Mae to assist me in lowering my payments, I was tricked into forbearance and deferments. After the end of each deferment or forbearance, I would make payments for a few month but it was unsustainable and I would stop making payments and defer once again. 

All along, the loan kept accruing interest and increase. I would be called by their customer service and harassed and threatened. The loan accrued interests and it is now almost {$30000.00}. Now they changed their name to Navient but the loan amount is still increasing till date.
I do not owe a debt of {$30.00} to XXXX. This is a scam.
This is against WELLS FARGO for allowing a XXXX party to sign for the primary holder XXXX XXXX XXXX, the bank told me in XXXX he walked into back and paid loan in full personal casheirs check. XXXX has absolutely no knowledge of this nor was present. 
As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that XXXX Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and son to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for XXXX XXXX XXXX will help otherwise DIE & XXXX
I defaulted on my mortgage XX/XX/XXXX with Central Mortgage. The property has been occupied by a known person that has not paid rent or local taxes or utilities, which now have tax and sewer liens The property is valued at XXXX XXXX. Central Mortgage has not filed for foreclosure after 6 years, going on 7 years. I have called the attorney XXXX XXXX repeatedly to ask them why, and they said they have not had direction from the lender. I filed BK in XX/XX/XXXX and as a result, I am no longer financially responsible for the property, however due to mortgage banking underwriting requirements, without a sheriffs deed, I can not purchase another property. I had a catastrophic event in my life in XX/XX/XXXX that caused the default. I have rebuilt my life, re-established my credit, have strong income and would like to buy a home. However, XXXX XXXX has been negligent in not foreclosing on this property and allowed a family to essentially " squat '' in the property for the last 5 years. I am aware of them living there as they used to be family friends. After the property was vacant and no one from the lender took an interest, they moved in and have lived there since XX/XX/XXXX. The mortgage is approx. XXXX XXXX and the property taxes are $ XXXX. As a result of Central Mortgage negligence, the property has multiple tax and county tax liens, remains on my credit, prevents me from moving forward in my life and from obtaining home ownership again. 
My calls to the legal firm have been ignored, calls to the lender are not accepted. Please help me contact Central Mortgage. If I had the financial resources, I am sure a class action lawsuit against this lender would find hundreds of borrowers such as myself stuck in this state of not be able to move on. After 6 years, why cant this lender foreclose and take possession of the property. They are violating the rights afforded to me under the BK laws, which they seems to care nothing about. 
Thank you for your time and service. The CFPB is the reason consumers have a voice today. 
My name is : XXXX ( XXXX ) XXXXProperty address:XXXX XXXX XXXX XXXX XXXXCurrent address:XXXX XXXX
Santander has completed an illegal repossession and sale in Illinois The lender is required to send a notice of repossession and sale and no notifications were sent so it is an illegal repossession
I currently have a payment agreement with district courts in Michigan of {$40.00} a month with Credit Acceptance. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.
I was recently released from XXXX bankruptcy in mid-XX/XX/XXXX and was told by my trustee that I was current on my mortgage via court order. I 've made all XXXX payments since being released in full and on time. However, Nationstar is now trying to collect an additional monthly payment ( {$730.00} ), late fees ( {$78.00} ), and an escrow ( {$450.00} ). The total amount they 're trying to collect is {$1200.00}. They 're claiming that it was owed to them while I was still under bankruptcy. This is against the law. I 've spoken with Nationstar on the phone 3 times to try to clear up the matter, but have yet to receive a response other than " we 'll look into it. '' They also refuse to mail me ANY documentation on the matter.