WillisBack/dataset-financial-user-claim huggingface dataset:
My client attempted a loan mod with Specialized Loan Servicing ( SLS ). SLS took their trial payments, but never credited the payments to the account. Then, refused to complete the loan mod and started foreclosure proceedings, forcing my client into a short sale. All documents for short sale were timely tendered to SLS, but SLS continued to make repeated and contradictory requests : to leave the husband 's income off of the XXXX as unsteady and therefore not able to be counted as " income '' but then demanding along with the same XXXX a XXXX day XXXX statement for his " income. '' We argued that if he was receiving " income '' to necessitate a XXXX XXXX XXXX, then he qualified for the loan mod, otherwise no XXXX XXXX XXXX was necessary, and we move on the short sale. They finally agreed to move on the short sale, however, this issue was raised XXXX ( XXXX ) times by SLS until it was finally resolved. Then, instead of processing the file for investor approval, XXXX continued to sit on the file until the valuation expired, and performed a new valuation that was returned at 128 % of the XXXX of the property as reflected by comps, a XXXX, the offer on the property, and the original XXXX. We challenged the valuation with the above referenced documents, and SLS stated that they refused to change their valuation to be in line with the overwhelming evidence presented to them. Given the nature of our interactions and the tenor of and recalcitrance within their communications, I am concerned that SLS is not interested in cooperating in resolving this transaction in good faith.
I had a fraud alert put onto my credit report because I am a victim of identity theft. I have filed a complaint on Identitytheft.gov and with the XXXX police department. This agency refuses to remove the fraudulent XXXX and XXXX accounts from my credit report. This agency refuses to investigate the fraud and is insistantly harassing me by keeping this fraud account on my credit report. I have complained repeatedly but the credit report agencies do nothing.
Someone open fraud account with my social security with td bank it was reported in the check system XX/XX/2015 i was not aware of the situation never was told to me everytime i tried to open checking account i was denied
XXXX  & trans union shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of  XXXX  who 's payments are current.
Why em i being denied as if I have some collection issues
I have sent 4 dispute letters to XXXX XXXX to update or remove inaccurate information from my credit profile, and they have not did there due diligence in this process, meaning they are getting results back in less than a week, proves to me that they are not following the FCRA guildlines and just using the XXXX XXXX, and not letting a letting a human actually do there job. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question. I have asked for this information several times with no results, they probably are use to consumers just saying forget it but not me. they need to be held accountable for not following the laws and making there own rules. they hoped I would just go away but guess again.
XXXX  is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 8 accounts reporting to XXXX which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Had no idea that that the annual interest rate was over 580 % of the loan. Will never use or recommend this form of loan to any military or civilian individual.
I have contacted Experian, XXXX  and XXXX  about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.
Equifax is reporting a " hard credit inquiry '' from XXXX XXXX XXXX XXXX, XXXX. I told Equifax that ( 1 ) I never asked XXXX for any services ; ( 2 ) XXXX does not provide any services in XXXX where I live ; ( 3 ) XXXX told me that they have no record of any account or request in my name ; and ( 4 ) XXXX told me that they did not make any credit inquiry about me. Nevertheless, despite repeated requests, Equifax refuses to remove the erroneous information and this is adversely affecting my otherwise " excellent '' credit score. I have written to Equifax several times, pointing out the absurdity of their report, but they have refused to remove the false item from my credit report ( which, by the way, is not shown on any other report from any other credit reporting agency ). I told Equifax that their inexplicable failure is costing me time and money, and that I would report their misconduct to you, but they do not seem to care.
I received a response from a Consumer Credit Reporting investigation concerning information contained in my Consumer Credit Report from Equifax. I requested the investigation more than 18 months ago. The response had a gross error in reporting current employment information, reporting that my current employer XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Was n't included, even after recent employment updated proof was submitted by mail, and the results of the reinvestigation showed erroneous information about a former employer being my current employer. I am submitting that proof along with this complaint.
I received a letter regarding a previous debt that I have already taken care of. When called the collection agency and gave my account number and name to correct the issue, they hung up on me. This debt has already been paid for and i have try 'd multiple times to call them and all they do is hang up on me as soon as i give my name and account number.
On XXXX/XXXX/XXXX, I received a call from a collection agency named Credit Management, after a few minutes of research on XXXX I discovered this was a collection agency for XXXX. I contacted XXXX right away, and found out someone opened a fake comcast account under my name and there was a XXXX balance. I explained to them this was not me, I have worked with XXXX to try to clear my name from this account, which has my old maiden name XXXX, XXXX, Currently my name is XXXX, XXXX after marriage. They keep insisting it 's an identity theft, but no other accounts were opened during 6 months period except XXXX. I have never lived at the address XXXX XXXX XXXX XXXX , il, which this account is under, and from what i understand this address does not even exist. I reside at XXXX XXXX XXXX XXXX XXXX, il XXXX, i been living here for over 8 years. I used to have comcast service, and disconnected it XXXX/XXXX/XXXX, and the fake comcast account was created exactly 5 months from the date i disconnected it. I went to the actual office to disconnect my service, the XXXX office is located at XXXX XXXX XXXX, XXXX, il. I also have asked XXXX to provide me with a actual bill owed which they keep sending me XXXX. XXXX also stated that i 'm in collection, but when i ran my credit 2 weeks ago to see if there were any other accounts opened under my name the credit report does not even show the fake XXXX account. I have also asked XXXX to make sure that they do n't have more than one XXXX XXXX in their database, since my name is very common, maybe someone made an error, but they told me that my social security number is attached to it, so that makes me wonder how come they had this account opened for six months, not one employee noticed that not one payment is being made to this account, they also had me on collection they claim, so how come it does not report on my credit? Also why they refuse to send me a bill that states this is the amount that 's owed instead they send me XXXX bill, when i went to file a police report that 's exactly what the police department said, what is this this bill states you have a balance of XXXX. What 's even more interesting is that this fake account was addressed XXXX, XXXX, Il, but this address does not exist, but when i told that to XXXX they claim it des. I am a new mom this is causing a lot of stress on me. There is just something not right with this XXXX office on XXXX and XXXX, and XXXX is covering up, there possibly could be internal identity theft within this office, and there could be many more victims, this needs to be investigated.
I have a Citi XXXX. It is the card with the 2 % cash back. The card has been setup for about a year. During that time I 've run large amounts through it, i.e. averaging about {$3000.00} per month. During that time I 've paid the statement balance in full every month. All of a sudden in the last month Citi keeps blocking transactions for supposed fraud concerns. I then have to make contact with the Card, sometimes having to wait on hold for an hour at a pop. I have voiced my displeasure, said this makes me nervous to use the card for travel, threatened to leave, etc. Citi 's response is almost like they want me to leave. They actually told me that I need to notify them 24 hrs in advance of travel. I took a quick look at rough card merchant fee info online. In my estimation Citi probably is n't making much in the way of money on the card. They 've probably realized I will never run up a debt on the card. The 2 % cash back that is paid to me probably negates the merchant fees. I suspect that they 're trying to frustrate me in the hopes that I will in fact shut the account down. In todays day and age its hard to travel or purchase items without a credit card. I would prefer to not even do business at all with the credit card companies, but that is next to impossible. This country desperately needs a type of clearinghouse where transactions can be processed. Amounts would come out of the checking accounts at the time of purchase ( no debit card ). In short the banks need to be cut out of the loop. 

The card companies want people that ca n't pay the monthly statement in full. They view people who do pay in full to be a problem. That 's a very flawed system.
REFERENCE : ACCOUNT FOR XXXX XXXX XXXX Best Buy ( TM ) Credit Card XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX TO WHOM IT MAY CONCERN : TWENTY MONTHS AGO MY WIFE AND I BOUGHT A DRYER AND WERE ASKED IF WE WOULD LIKE TO USE THE 18 MONTH NO INTEREST PROGRAM. WE WERE APPROVED AND BEGAN MAKING OUR PAYMENTS. OVER THE NEXT FEW MONTHS WE MADE SEVERAL PURCHASES UNDER THIS LINE OF CREDIT. WE CONTINUED TO MAKE OUR PAYMENTS WITH THE IMPRESSION THAT WE WERE PAYING OFF THE PREFERRED DEBT. OUR PAYMENTS WERE ALWAYS ON TIME AND MANY TIMES MORE THAN THE MINIMUM DUE. WE ENROLLED IN AUTOMATIC BILL PAY AND AUTO DRAFT AS WELL. STILL THINKING THAT WE WERE ON SCHEDULE TO PAY OFF THE PREFERRED DEBT. LITTLE DID WE KNOW THAT THE PAYMENTS THAT WERE MADE WERE NOT GOING TO PAY OFF THE DRYER, THEY WERE APPLIED TO THE OTHER PURCHASES. THIS WAS NEVER EXPLAINED TO US UNTIL I NOTICED OUR BALANCE WENT UP BY {$700.00}. THIS WAS THE INTEREST CHARGE THAT WAS PLACED ON THE ACCOUNT BECAUSE WE FAILED TO PAY OFF THE DRYER. I REACHED OUT TO BEST BUY CUSTOMER SERVICE AND SPOKE TO XXXX DIFFERENT LEVELS OF MANAGEMENT AND THEY EXPLAINED HOW SORRY THEY WERE THAT WE DID NOT UNDERSTAND THE PROGRAM BUT THAT NOTHING COULD BE DONE. THE WHOLE TIME WE THOUGHT WE WERE PAYING OFF THE DRYER, WE PAID NO MORE THAN {$240.00} OF THE ORIGINAL BALANCE. WE HAVE THE MEANS TO PAY THE BALANCE OFF AND WOULD LIKE THAT OPPORTUNITY TO DO SO WITHOUT THE INTEREST CHARGE, THAT IN MY MIND WAS DECEPTIVELY PUT ON THE STATEMENT. IN ORDER TO RESOLVE THIS MATTER, I REQUEST THAT SOMEONE CONTACT ME AS SOON AS POSSIBLE SO THAT NO FURTHER ACTION NEEDS TO BE TAKEN. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX
I previously submitted a complaint thru the CFPB regarding this company, and their response stated they took action to prevent their customer 's information from being sent to me. Again, on XX/XX/XXXX, I received an email stating that their customer received a transfer from someone. They, again, sent me all the transaction details for an account that does not belong to me ( transaction XXXX ). Xoom needs to delete my email address from their systems immediately. The email address is not registered to XXXX XXXX XXXX, and I should not be receiving transaction details - this is a violation of XXXX 's privacy rights. This is the third transaction I have received details for - in addition to XXXX on XX/XX/2019 and XXXX on XX/XX/2019.
Went to XXXX and XXXX XXXX of Florida for some XXXX. After waiting almost a month for them they proved to be faulty, being very uncomfortable and causing me pain. I returned them to the office that I visited in XXXX and made them aware of the situation. They promised to fix it and let me know when they are ready. I made the payments requested of me and my insurance was billed. I then lost confidence in them since they took so long on both occasions and also the fact that they did not work for me the XXXX time, and especially since they hurt my XXXX.
I had bough a car on XX/XX/XXXX, at 16 % interest, at that time because my credit was just good. Bank had denied me refinance or fix my higher interes 16.00 % on a used car XXXX XXXX XXXX XXXX, when I got this loan, bank offer me to refinance in 6 or 12 months after the purchase to lower the interes 16 %. I did it, and they denied it twice on XX/XX/XXXX, and XX/XX/XXXX. And  over that, had been requesting refund for all of the insurance money they had been charging me by ADDING AN Insurance that my car didnt need it, and they did it with out my concent to it. I had been trying to call Several times but they keep me on the phone skipping me from one to other person transferring to wrong depar till they hand up or some times they make false promises telling me they will fix the problem and they will contact me. But they never had done it till now. they had been making me pay for car colisin insurance, since XX/XX/XXXX till todays date. However, my loan is still almost same amount that I refinance since I got the car, I had revising the statement and they all have changes on quantity. Also, on XX/XX/XXXX they close my 401k account because they said it finish by itself. Please need an investigation now with all these issues on this car loan.
I have tried repeatedly to contact Sunrise Credit Service for the unknown derogatory account hurting my XXXX, XXXX  and XXXX  credit reports. This unknown negative account is hurting my ability to apply for new credit.
Account is currently paid off as of XX/XX/2018 never late. There was a recent report of a delinquency that needs to be removed immediately!
I currently have a debt which is n't in my name and it is now adversely affecting my  credit score.  According to  XXXX   XXXX   XXXX   XXXX  collection agency, a man by the name of  XXXX   XXXX  owes {$140.00}. My name is not  XXXX   XXXX . I am not responsible for this debt because it is not mine. I explained this to them. Since then, my  credit score  has dropped drastically by over a  XXXX  points. I am currently in process of obtaining a mortgage loan. This can and will adversely limit what types of loans I qualify for, as well as increase the down payment amount required which puts a great deal of stress into the experience. I was told by this collection agency that in order to dispute this bill which is not in my name, I had to go through the individual credit bureaus. I have made multiple attempts to contact all three credit bureaus now and am getting no human interaction ; the system is generally automated. Please help me expedite this process so that I  may  have a fair and equal opportunity to purchase my first home, you 're my only hope ...
On XX/XX/2017, I intended to make an on-line payment to XXXX XXXX for {$500.00}. After not seeing any credit to my account, I reached out to my bank, Wells Fargo, and asked about the payment. It was determined that the information that auto populated the on-line payment was incorrect. For the next 60 plus days, I called and wrote to XXXX and to Wells Fargo in an attempt to find my money. 

It is XX/XX/XXXX and I have been on the phone ( again ) with Wells Fargo and XXXX for more than an hour and with many many transfers to other people, and still no resolution. 

No one is responsible, they say. Is that true?
There is a loan through Navient that I keep getting harassed about. I have heard about a lawsuit against Navient, and I 'm uncomfortable getting the multiple calls and emails. There is now a negative score on my credit towards this. I am not sure how old this loan is for. I have already paid XXXX directly for my debt.
This issue has been unfolding over the last few weeks of XX/XX/XXXX, 2018, through early XX/XX/XXXX, 2018.

I maintain 2 checking accounts with US Bank. One is tied to my debit card and used to pay off credit cards. The other is rarely used, and thus has a low balance - under {$500.00}. I have had both of these accounts for around a decade. 

Last, I have a credit card through US Bank, for which the balance of about {$1000.00} was due in mid to late XX/XX/XXXX, 2018. 

I have purposely never had automatic payments to this credit card because I often pay it through outside checking accounts, but this time, US Bank 1 ) turned on automatic payments ; 2 ) turned on auto-payments only for the checking account with a low balance ; 3 ) did not turn it on for the checking account I generally use ; and 4 ) did not enable their system to pull funds from the larger account when the smaller account was exhausted, which it was.

I woke up to find a {$600.00} overdraft of the smaller account, and the larger account untouched, so I called US Bank and had them 1 ) reverse the payment ; 2 ) turn off automatic payments ; 3 ) enable overdraft protection such that if I attempted to overdraft the smaller account, it would pull from the larger account rather than overdraft ; and 4 ) reverse the overdraft fee.

This all seemed fixed until a few days later, when I found out that even though they reversed the overdraft fee and payment, that they forced the same payment to happen, and it overdrafted again and charged me 3 overdraft fees - the first, a {$25.00} extended overdraft fee from the first issue ; a new {$36.00} overdraft fee, and a third extended overdraft fee. 

I called them shortly after ( this is in the last days of XX/XX/XXXX ), to which they replied that they simply didn't do what we had discussed, despite agreeing to it. They did not stop that one account from automatically paying the credit card. They did not enable it to pull funds from the larger account when it was exhausted, and they continued to pile on fees. 

It would be a simple matter of phone calls except for their XXXX having made my car payment bounce. I have the funds, I guess I just don't get to control how they are used. 

I called today, XX/XX/XXXX, to which they claim to have fixed the problem. I am doubtful.
I tried to contact Equifax to get this account removed off my credit report ... this is a fraudulent account that my ex wife XXXX XXXX put in my name I will like for this account to be removed off my credit report.. this account was paid in full and need to be remove from my account
I am not the person that owe this debt. They are contacting me on my work number and leaving a message on my voicemail ( where I say my name ). However, they state the person 's name they are trying to collect the debt from in the voicemail. I believe this is breaking soem sort of privacy protection laws under the FDCPA by leaving a message about someone 's debt on a voicemail that clearly does not belong to that individual.
This account is closed since XXXX/XXXX/09 and still showing om my credit report XXXX.
INQUIRIES NOT AUTHORIZEDXXXX XXXX XXXX -XX/XX/XXXXXXXX/XXXX XXXX -XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXX
My home is on XXXX parcels of land. The first year I lived in my home, I mailed all XXXX real estate tax bills at the same time to my mortgage company, as I have an escrow account and they are supposed to handle those bills. Flash forward to XXXX XXXX of this year, when I received XXXX delinquent tax notices in the mail! I called Nationstar to ask why they paid for XXXX parcel when I own and sent them XXXX. I was asked to fax the delinquent tax notices to them directly, which I did on XXXX XXXX. I was told it would take XXXX-10 business days to be handled. By XXXX XXXX, I had not heard an update so I called back. I was told they contacted my tax collector and she said all my taxes were up to date. So I called the tax collector to confirm this and was told that they only contacted her about XXXX of the XXXX parcels, and it happened to be the one that was paid. They did not ask her about the other XXXX ( unpaid ) parcels, but she did tell them that there were XXXX parcels total and only XXXX was paid. I called back a 3rd time to let them know that they asked my tax collector about the wrong parcel. I 'm not sure why since they were faxed the XXXX unpaid parcels and never once was the paid parcel number even mentioned. A woman named XXXX had me on the phone for 40 minutes supposedly taking care of the situation. She was given the XXXX unpaid parcel numbers multiple times. I asked if the mortgage company would be paying the additional fees and penalties, being that this was their mistake, and was told that they would. XXXX said she sent out requests to inquire about the XXXX unpaid parcels and that she would call me on XXXX XXXX to give me an update. After NOT receiving a call with an update on XXXX XXXX, I called them again on XXXX XXXX. XXXX got the whole story again, put my information into the system, and proceeded to tell me that there are only XXXX parcels listed in my file, not XXXX as they have been told REPEATEDLY that there are. XXXX said she put in the request to confirm the third parcel ( even though this was supposed to have been done already by XXXX previous people ), and said I should call her back on XXXX XXXX to confirm that everything was verified and the taxes are being paid.
The cash store turned my debt over to XXXX XXXX XXXX who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. 
I have many recordings of his statements.