WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a re-fi loan with XXXX in XX/XX/XXXX. During closing I was told I would only have to have an escrow because my home was in a flood zone. We knew at the time the property was coming out of a flood zone, but the new mapping would not be finalized before I closed. In XX/XX/XXXX my home was removed from the flood zone and I forwarded the appropriate paperwork to Pennymac who was now the servicer of my loan.I received several communications back and forth since XX/XX/XXXX. Each time I was informed either via letter or by email on their site that the escrow would be deleted, then it would not because of my credit score ( my credit was never pulled ), then I would call and be told it was being deleted, then I received another letter that the property loan to value ratio was not met, then I would call and they would say it 's your credit score, I provided my actual credit scores and was told it would be deleted, then I 'd receive another letter saying the request was declined due to loan to value ratio ... .and back and forth. I have all letters and dates to this statement.
I recently received a certified letter containing a Notice to Occupant of Pending Acquisition from XXXX XXXX XXXX. I do not reside in the property. This is the only document that I have received over the last year informing me of this matter with the exception of the legal foreclosure documents filed with XXXX   County in XXXX of 2017. I have made multiple attempt to contact Freedom Mortgage and have made multiple attempts to retrieve information from Freedom Mortgage in order to clear my name of this outstanding debt. Over the last year, I have talked to multiple Customer Service Representatives and have had to explain this story over and over again. I have been denied multiple requests to talk to an individual in management. I have been given multiple different stories/ scenarios about my liability and my association to the loan attached to this property. According to the Fair Credit Reporting Act : I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. 

Additionally, I have been told that I would receive phone calls from Management at Freedom Mortgage, have been assigned multiple single points of contact, and still have not been able to get a straight answer or any type of assistance in this matter. Freedom Mortgage has denied my request to have all documents associated with this loan/ property sent to me and the customer service representative indicated that this wasnt possible and in similar situations that other spouse didnt worry about situations similar to this. 

Freedom Mortgage has failed to keep me informed and has acted in a negligent manner. Due to this negligence and failure to provide me with documentation about the status of the loan over the last year outside of the Foreclosure Notice, I am requesting that all they remove all negative reports to my credit status immediately. Additionally, after months of attempts to contact Freedom Mortgage to retrieve this information and talk to a representative that could provide me with accurate information I have been falsely informed by several Customer Care Representative employed with Freedom Mortgage indicating that I should not be held accountable for the loan. Freedom Mortgage may be considered a major financial institution should be held accountable for unfair practices, miss informing customers, and refusing to keep accountable parties informed. Due to Freedom Mortgages negligence in this matter my reputation has also been damaged. Freedom Mortgages performance deficiency has caused additional damage.
Navient is reporting false information and is not responding to lawful request to investigate : Navient did n't respond to my direct certified mail complaint ( signed recieved XXXX/XXXX/16 ) of reporting false information on my credit reports. Navient did n't record my dispute in my Navient account or notify credit bureaus of the dispute. Navient never notified me of negative information at any point. When first contacting Navient by phone, Navient admitted having no record of notifying me of anything when I informed them my Federal Student Loan had been in deferral at the time they are reporting me as delinquent. On that call, they did admit the records were very old and incomplete. They said I 'd have to send them a written dispute via US Mail, which I did as refereed to above. Note : I had disputed this first with all XXXX major credit bureaus and found that the false info came back as " Verified '' by Navient. I then emailed and called Navient for help and then ultimately ended up sending the dispute by US mail per their insistence that the phone call and email disputes would not be accepted by them. It is now XXXX/XXXX/16, I have not heard from Navient and the credit bureaus have again " verified '' the false information with Navient.
They keep calling me and asking for somebody else who is y father I keep telling them they have the wrong number and still call me and leave me voicemails then they call other numbers looking for h dad and telling them they are going to take legal action they also call other family members which is not right this XXXX XXXX is calling and will call my uncles house!
I first requested my free yearly credit report from the government web site in XXXX 2016. Experian said they did n't understand my request. 
I just today made my 3rd request for that same first report.Experian is again asking for ID I have already provided twice before. Can you help me get my reports from these XXXX? 

Thank you.
As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen.
At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.
It was announced that Citibank would no longer be a Co-branded card for the XXXX XXXX chain. As soon as this was announced last year, I called Citibank. I continued to call Citibank and discuss the issue and concern I had. 

In XX/XX/XXXX, I was informed from Citibank that the card was being turned over to XXXX. XXXX also sent me a similar notice. I do not want an XXXX card. I want to stay a Citi customer. 

I called Citi to convert the card from a XXXX co-branded to another product in XXXX. They said I could n't convert it and no further info. I called again in XXXX. They said they could n't convert the card, but if I called back on or after XX/XX/XXXX, I could convert the card and stay a Citi customer. 

I called Citi today ( XX/XX/XXXX) and they inform me that they can not convert the card. I have no choice but to accept a new XXXX account. 

How do I, as a consumer, have no control with what happens to my account? An account in good standing, with a high limit, and no balance? An account that regularly sees $ XXXX in yearly spend? Citibank does n't want to keep that business?!?
This is a problem with company XXXX ( coinbase ). 
On XX/XX/2018 my account suddenly got logged out and not able to log back in and keep saying error occurred. Contact XXXX  support. 

So I emailed them and called them but was told they will transfer to specialist and someone will email me. I havent heard from them so I called them again but they cant do anything and told to wait till they email me again and received case number of # XXXX, # XXXX, # XXXX, # XXXX. 
Sorry I have many case number, cause they issue new case number every time I call or email and encourage to not contact them cause it will create new ticket number which I think thats also not fair when I want to know whats going on and whats the status. 

Its been over XXXX weeks but I havent heard from them and I have no access to my money and when I asked to close my account they said cant right now. 
Meanwhile my investment going down crazy and I cant do anything about it. 
Who is going to responsible the money I loss because I dont have access to my account for so long? 

I think this is ridiculous business setup and customer service that needs to investigate and reviewed. 
As far as I know there are lot of people at XXXX/coinbase have same issues with me. 

I am very frustrated I dont have access to my account and I dont hear from them and when I contact them they dont have any answers but to say wait till they contact me. 
I dont find solutions with them so I am contacting CFPB for help. 

I hope my complaint reflect to improve their way of running business and resolve my case asap. 
Thank you.
On XX/XX/XXXX I obtained a copy of my TransUnion report and found an item that was not mine. A debt was being reported as : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , NV XXXX ( this is cut and pasted from the XX/XX/XXXX TransUnion Report ) I  wrote to this collection agency several times asking for verification of the debt and several times the letter was returned as an incorrect address. The Post Office ultimately informed me the address did not even exist when I tried to send a certified letter. This process cost me several months of bad information being reported. 

I both phoned and wrote a letter to TransUnion informing the company that it was required by law to provide correct contact information in its reports. TU continued to report the debt and I was never able to contact the creditor. This entry has now remained in my report for two and one half years. 

On XX/XX/XXXX I again obtained a copy of my TransUnion credit report. It is still reporting the address of the collection agency as follows : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, NV XXXX ( This is cut and pasted from the XX/XX/XXXX TransUnion Report ) TransUnion has done nothing to correct this issue. It does have an obligtion to either report the correct address of it's clients purusant to the FCRA. This has not only affected me, but presumably every other person who has tried to contact this collection agent by mail. TransUnion has been extremely negligent in this regard. 

I do not expect much from TransUnion except a stock response " contact the collection agent '', etc. However, I do intend on using this complaint to the CFPB as well as the expected stock response to this instant complaint to form the basis for a lawsuit against TransUnion. So, go ahead, TransUnion ... igonre this for the third time over the course of YEARS with a stock response which, once again, does nothing to address the issue.
I am disputing with Transunion certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Transunion to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.
In mid XXXX, XXXX, my husbands and I insurance agent that handles our home owners policy contacted us regarding our policy, because a Shell Point mortgage representative had contacted him regarding changes that needed to be made on our policy. So, we contacted Shell Point regarding this issue and was told by a representative but would not give me their contact name, that since we had resigned our mortgage with them, because it had been sold to them, they needed to make changes to the policy, so to my point, we have not signed any documents with this mortgage company and did not attend any closing which was to have taken place in XX/XX/XXXX. I requested this paperwork, and she denied my request, stating they had forwarded it to us by certified mail after our closing meeting. She also stated that our payments had been increased since we had not made any payments since the construction in XXXX. I did not chose to argue with her because we have been making monthly payments to our mortgage lender XXXX XXXX XXXX  since XXXX. To another point, we have had our financial institute call this bank and verify how the checks are being cashed because they have found that the checks are cashed but have not been returned at any time which according to them is very unusual that a canceled check is not returned to be put on file, if ever needed to be pulled for proof in any matter. We are now concerned that the payments are not being put onto the debt because of her comment no payments have been logged since XXXX which is now 12 years, I find that very hard to believe. We are very concerned as to where our payments have landed since XXXX and the amount we were sending was {$1100.00}, for a total of XXXX and our initial loan was for XXXX. We had to file ch XXXX bankruptcy to protect our home so as to begin investigating where our money is and who are these people that are filing foreclosure. Thank you for your time and hope to get to receive some information as to what is going on with this matter.
In XXXX XXXX My mortgage company advised me of a payment increase due to escrow. My previous homeowners insurance was nearly {$2500.00} per year. I refused to renew with XXXX XXXX and looked for another carrier. I received a new policy with XXXX XXXX which was approx {$950.00} per year. I contacted US Bank and advised the escrow department and asked for a updated escrow analysis and payment adjustment. I followed up and spoke to an individual who indicated that I should pay {$1100.00} per month going forward. Starting in XXXX I started to submit payments in the amount of {$1100.00} as instructed starting in XXXX. However the bank continued to reflect the amount due as {$1300.00}. Full payments were not applied since I was submitting {$1100.00}. I was advised that there was a payment that was made in XXXX which applied to XXXX, which the bank is saying they never received and then two payments were posted on XXXX XXXX, XXXX. I am active Bankruptcy and today received a motion for relief based on a affidavit signed by bank personal that as of XXXX/XXXX/XXXX my account was delinquent as I missed three post petition payments they claimed. How can payments be received on the same and an employee sign an affidavit they have not received them. This is a false affidavit to the court. Furthermore the Attorney Firm contracted by the court, failed to validate the affidavit information when submitting the petition to the court on XXXX/XXXX/XXXX over a week since payments posted to the account. I will be vigorously defending this petition in the Bankruptcy Court but believe that these practices by US BANK NA be fully investigated so that they are not able to victimize any other borrowers.
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax PXXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), XXXX U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
I moved from a  XXXX   XXXX  's apartment in  XXXX  of   XXXX  . I turned in my key and all debt was satisfied. Since then the collection agency  Hunter Warfield has came after me with a total debt of {$3000.00}. This was a joint account in which I satisfied all debt obligations with the original creditor. This has previously been disputed and removed from my credit re port but was later added back.
I began aggressively disputing the below accounts in  XX/XX/XXXX , I however have been disputing the accounts since  XX/XX/XXXX  XXXX  when they first appeared and was reporting positively because they are not my accounts.  <P/>  1 )    XXXX   XXXX  / XXXX   XXXX   2 )   XXXX   XXXX  My initial dispute online was I had no knowledge of the accounts. I had  one   XXXX  account that is closed and positive and no knowledge of  XXXX  at all.  <P/> In response the credit bureaus  1  ) told me the debt was valid,  2 ) r eported it as fraud  3  ) there 's another account with similar information as mine and asked me to send in identify evidence which I did.  <P/> Because of their response, and due to my confusion as to how you can say its valid and fraud and say I may have  2  reports, I then sent  TWO  letters  (   XXXX  and  XXXX   XXXX  ) asking for validation for the debt since they were stating it was a verified not validated debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath.  <P/> Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information.  <P/> Inaccurate reporting is occurring because :  1 ).  They claimed it is a fraud account but also said they were able to validate it.    2 )  The bureau claimed to have investigated the validity of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
On XXXX XXXX, 2016 at approximately XXXX, I called to inquire about an issue I discovered on my credit report. After unsuccessfully talking with the debt collector, they asked if they could call me on at my phone number, XXXX. I said, " You may not. '' The following day, I sent them a letter. 
This morning, XXXX XXXX, 2016 at XXXX, the collector called me. They did not announce who they were. I told them, " Do not call again. ''
I have tried to get in contact with XXXX  multiple times to stop sending me their magazines and then I find out they put a hard inquiry on my credit report as of XX/XX/2018 when I dont want anything to do with them at all. They need to remove the inquiry from my credit report and stop soliciting me.
This complaint stems from a dispute to a charge on my PayPal account. The primary reason use PayPal is for the protections I thought they provided. That and until very recently had no choice when using ebay although I still chose to use PayPal for the protection. I found myself in a bad situation where a seller on ebay sent a defective item and in the end, PayPal refused to provide the protection that they are compensated for. Processing companies make insane money for what are mostly automated transactions. They earn their money when consumers need protection and that includes against unreasonable policies where in this case, it ended up being PayPal 's policies and inability to apply common sense to the situation. After spending {$130.00} on the water heater which was defective upon arrival, the seller and PayPal found it reasonable that I would then be required to spend {$90.00} in return shipping since the seller was out of the country but yet chose to do biz in the US and knowingly is offering products where such issues will be inevitable from time to time ( no manufacturing process is perfect ). This is the perfect situation where consumers need the protection that a processing company should provide.
I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is :XXXX XXXX XXXX XXXX XXXX FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX XXXX XXXX XXXX XXXX and began employment XXXX XXXX and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in XXXX I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.
We received a loan to purchase a car through Toyota Financial Services. 
- First payment was received by Toyota on XX/XX/XXXX - Shortly thereafter I called to have the payment date extended to the XXXX of each month. The gentleman I was speaking to said we had to sign a form. I told him we were leaving on XX/XX/XXXX and wold not be back until XX/XX/XXXX. He said he would either email it or fax it ( I do not remember which ). 
- The required form did not arrive so several days later I called Toyota and a woman helped me said I did not need to sign a form and that she could change the date. 
- XX/XX/XXXX we received a collection call from Toyota. when I spoke to the person told me not only did we have to sign a form must now pay Toyota {$28.00} or {$29.00} for Toyota to do their job and change our payment date ( first we have been told about this ). Basically I was told " too bad so sad you are now past due and we are not going to the right, ethical or moral thing and change the payment date retroactively. 
- I then made several calls - all of which my phone dropped due to the bad reception. 
- Finally I got through to someone who put me in touch with someone who said they could help - then my phone dropped the call again. 
- When we returned home there was a form from Toyota for us to sign that was mailed after our departure date - of which they had been made aware.. 
- Long story short - I have made repeated calls but still can not get this straight. Each call the holding times have been from 8 to 20 min hold time and when I am put through to a supposed " Resolution Specialist '' one waits another 15 to 30 minutes to speak with them.
I opened a bank account with Bank of America branch office at XXXX MD on XXXX/XXXX/2015. 
I made a deposit of {$2000.00}. The check was cleared from my XXXX Bank Checking Account on XXXX/XXXX/2015. Bank of America has since put a hold on my account denying me access to money without any legitimate cause. This is a pure profiling and a plot to cause problems in my life.