WillisBack/dataset-financial-user-claim huggingface dataset:
My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him. 
After a few months he left the apartment and defaulted on the lease. 
Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of 850 each month. 
I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX The Company listed above reported to all 3 credit bureaus a derogatory mark on XXXX XXXX, 2017 about a medical debt that has been in dispute for 4 years. This Company never contacted about this debt either by phone or mail.
A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.
XXXX XXXX I tried to remove a fraud alert on my file. It told me to call in. Upon calling I was told to mail a request including proof of address, identity, and social security number. This was mailed XXXX XXXX. As of today I still have not heard anything back from TransUnion.
Hello, I visited the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Virginia in XX/XX/XXXX for a quick medical check, after waiting for 5+ hours at the emergency I could finally see a doctor and was only told that I " needed to see a specialist '' and left. The hospital later billed me about {$500.00} ( ca n't precisely remember the amount $ ). As I was a XXXX overseas at the time, I submitted a financial aid to the hospital but never heard any response from the Emergency until after I came back to the US the following year in XXXX and called them to pay my bill not knowing that they had already approved my financial aid request. I was told over the phone by an agent from their billing department that owed nothing! Now, after more than 2 years I 'm getting this bill from a debit collector " Suburban Credit Corporation '' claiming that I owe them {$420.00}. I keep contacting the hospital about this and they 're saying they ca n't find any track or record of me being owe to the hospital and the debt collector already has my full name, Address and the last 4 digits of my SSN pus the date I visited the hospital. This bill has already affected my credit and unfortunately I 'm not in a great shape financially to afford a lawyer or paying this foggy bill at this point.
I disputed an account with XXXX on an auto loan that was reporting as 30 days past due for XXXX 2016 with XXXX and Transunion. They investigated the results and notified me that the account was correct and verified with the creditor. I followed up with both reporting agencies with evident showing screenshots of the payment days for the month prior and month reported past due from the creditors website and asked them to provide information that the creditor provided them. Neither creditor has responded and they still continue to report 30 days past due for the account.
My mortgage servicing company is padding my escrow account they have raised my mortgage by over {$300.00} a month. And I received less than a thirty day notice. The servicing company own rules state that they must give a sixty day notice of a increase in the monthly payments. The amount of money they want is excessive and is way over the minimum amount required to have in my escrow account.
Ocwen loan servicing , LLC assumed my mortgage from homeward mortgage, and this resulted in a late payment charged to my account. I been trying to get this payment removed through them for three or more years. they have reported this to the credit bureau and effected my score.
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA.
Submitted complaints to all three credit bureaus on XX/XX/XXXX. Within a few days, XXXX and XXXX had removed the paid tax liens from my credit report, but Transunion refused to do so and made a cursory examination with no results. I disputed their answer and have since provided additional documentation, including data from the IRS and XXXX County Court indicating these tax liens have been withdrawn. Transunion has made no effort to make the obviously incorrect changes and has now XXXX times knowingly reported incorrect information to my prospective employer. I have now lost my lucractive job due to their incompetence, rudeness and ignorance. Among other things, each time we provide them with additional documentation, the restart the 30 day clock making this an endless, pointless exercise that only they seem to engage in.
Equifax and XXXX are still reporting public records information to my credit reports that their public records vendor has CLEARLY removed. Please see enclosed notice from XXXX.
I checked my XXXX XXXX credit score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX XXXX XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.
There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX  2016 which is NOT accurate never had an account with this company and why this collection account states  I was 30/60/90 days  late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.
The company states 4-5 business days and 7-10 business days ( depending on working holidays ) for transactions to complete. They state this time frame is due to the bank, not them personally. I purchased onXX/XX/XXXX. It almost immediately showed up as a pending transactions. It completed posting on the XX/XX/XXXX. 

At the latest, my funds should have been available on the XX/XX/XXXX. To this day, the digital currency is still being held and I'm unable to access or transfer it. 

I've reached out to the company 's email and phone. They claim a " specialist '' will contact me but never do and there is absolutely no timeline for when they will. It seems like they're mocking the fact they are holding my funds for no reason and there's nothing I can do about it. It's unbelievable. 

I've completed all forms of verification, including sending the front and back of my ID. I completed the instant bank verification. I even completed a smaller transaction during this waiting timeframe and it's cleared just fine. They completely refuse to help. Can you assist me please?
Reviewed several credit cards regarding the best sign up bonus. Reviewed on numerous sites including XXXX. based on rewards and sign up bonus I chose the citi pretige card. I have articles which show points offers of XXXX and XXXX before and after I signed up. Upon signing up I quickly spent the required amount to qualify for the sign up bonus. The points never came. I called several times to see the problem. Each time I was given different answers. First I was told I didn't qualify. I said I have a XXXX limit and XXXX credit score how don't I qualify. Next told that there was no offer. I presented the articles demonstrating the offers. Then Citi stopped responding.
Equifax has failed to investigate my ID Theft case within the four business days per the FCRA. I have sent there all the necessary  reports and documents.
On XX/XX/18 I spoke with XXXX XXXX XXXX regarding 3 consecutive months ( XXXX, XXXX, and XX/XX/2018 ) of delinquent mortgage payments that appears on both my XX/XX/2018 mortgage statement ( see attached ) and negatively reported on my credit report ( see attached ). The representative then went on to say that I am not delinquent but it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XX/XX/2018 ) related to the loan modification ( that was approved ) there is nothing they could do to correct the credit report that impacted both me and my wife because that is the XXXX XXXX Process. All payments were made on time during the 3 month trial period and XXXX XXXX agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately. 

The reason for calling XXXX XXXX bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by XXXX XXXX. Instead I was offered an extremely high interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by XXXX XXXX, this has caused a hardship on me and my family and the business as well. 

I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers. 

It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved. 

It is unconscionable that XXXX XXXX did not foresee that this could impact a persons finances. I have tried everything that I could think of to get XXXX XXXX   to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business has been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.
On XX/XX/XXXX I made a large purchase with my XXXX Credit card. It was order number XXXX and the amount was {$1500.00}. The order was messed up completely. Parts of it arrived damaged, parts of it arrived with pieces missing and one item, a table was not delivered for several weeks and then when it was finally delivered we were basically told that we could not inspect it and there were scratches in that. My wife and I each contacted customer service several times. Initially they refused to accept returns on the items and then they later said they would give us a 50 % refund. Several weeks passed and we were contacted by customer service to confirm that the table was finally delivered on XX/XX/XXXX. We informed them about the nightmare we had experienced. We also informed the customer service representative that we had been offered a 50 % refund and were given a very difficult time with the customer service representative claiming that they needed to pull calls and would not offer a refund like that. 
We would like to invoke the special rule for credit card purchases.
On XX/XX/XXXX I filed a dispute through XXXX for 2 Barclay card credit cards I had charged off. Reason for filing was that I wanted to pay off my debt but they refused to accept my money, nor would they tell me who owns the loan now. They took my number down and promised a call back, which never happened. On XX/XX/XXXX XXXX  reached out to Barclay and they slapped me with 2 years worth of late payments in one day, which were not on my credit report before. I have been attempting to payoff that debt for over two years with no success.
On XXXX/XXXX/2015, I contacted Equifax concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Equifax aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Equifax had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Over the past 3 months Equifax has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.
XXXX, Transunion, and XXXX violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX XXXX- {$670.00} XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.
Our home was sold XXXX, 2016. The realtor " advised '' me not to air my dirty laundry in the mortgage disclosure. Consequently an unfair distribution of funds between husband and I were distorted. In the divorce settlement he was allowed to keep my refrigerator and washer/dryer and never addressed the loss of my XXXX carat black opal with XXXX ounces of gold and I was never compensated. He was allowed to place the tax distribution at 50 %. 
He received {$26000.00} for the down payment for the house which came from an inheritance then 50 % of the remaining balance of {$41000.00}. He received {$33000.00} and I received a little over {$11000.00}. 
Additionally all of the tax returns were cashed by my ex and never divided between us.
Wells Fargo Home Mortgage is denying my settlement because of my race, XXXX. 

Wells Fargo Home Mortgage agreed to pay over {$1.00} XXXX dollars in a lawsuit to XXXX XXXX, and other similiar classes, where Wells Fargo Home Mortgage discriminated against XXXX, XXXX and other similiar classes in a lawsuit brought by the Department of Justice. 

Wells Fargo Home Mortgage discrimated giving XXXX less favorable interest rates and loans than other loan applicants. Although they have not used this excuse, maybe Wells Fargo Home Mortgage did not know that some XXXX are aware that interest rates equal dollars and higher payments, which occurred in my situation causing me years of grief and financial sufferring. I continue to suffer at the hands of Wells Fargo Home Mortgage. My mortgage is being forclosed on in 2 days to cover it all up. This too is illegal in case Wells Fargo Home Mortgage does not know. 

Wells Fargo discriminated with my loan and is now discriminating again by continually denying my settlement using false pretense excuses and lies. They have come up with many excuses and lies. 

I have provided documents to refute those excuses, but it boils down to Wells Fargo submitted to this voluntarily settlement because they never intended to make good on the settlement as they promised the Department of Justice and the Federal Court. 

I am being punished again because of my race, XXXX. This was not a refinance loan which Wells Fargo Home Mortgage lied in a recent previous complaint. This loan originated within the designated time frame listed in the settlement with the Department of Justice and the Federal Court. This was a brand new loan as it shows by Wells Fargo Home Mortgage own document. This loan did not originate outside of the time frame as Wells Fargo Home Mortgage continually and originally said. This loan Originated XX/XX/XXXX, also shown on Wells Fargo Home Mortgage own document also enclosed with this complaint. There are many others in my predicament that have been forclosed on to cover up this gross misconduct. 

Wells Fargo Home Mortgage is denying my settlement because of my race XXXX. Also, I 'm a XXXX XXXX who is being financially exploited, also illegal. Wells Fargo Home Mortgage is trying to cover up thier hate for XXXX by foreclosing on my mortgage of fifteen years. The foreclosure is scheduled in two days Wednesday XX/XX/XXXX. 

Do n't let this happen in America in XXXX. 

ME TOO XXXX XXXX
Will not tell me anything regarding the purpose of their call or their names or the company they work for unless I give them my personal information. Not going to happen!
I have been asking for assistance from Specialized Loan Servicing for three years now, due to financial hardship. They stopped taking any payments from me since XX/XX/XXXX and have denied me help three times. Last month they started foreclosure proceedings, yet still suggesting I fill out the RMA ( Request for Mortgage Assistance ) a fourth time. A friend gifted me a decent sum of money to bring my HELOC current and start anew. The amount at the time was about {$8900.00}. One month later, last Mon, XX/XX/XXXX, I was given a payoff in the amount of {$9500.00} and change. When I called Wed because $ $ had cleared so that I could pay, I was told that I know owe over {$11000.00}, which of course I do n't have. In one month, SLS increased what they wanted from me by almost {$3000.00}, saying the person ( XXXX, Relationship Mgr ) should n't have given me the figure she did over the phone. I was told there are " other fees '' involved, like escrow fees and fees they paid to start foreclosure. First, my loan is already escrowed with my XXXX, and XXXX, it was their decision to start foreclosure proceedings instead of work with me, so why should I pay for their cruelty when I have been doing nothing but try to work out something with them?! It 's ludicrous what these lenders are allowed to get away with. 
I have a mediator from XXXX County of Consumer and Business Affairs helping me, as I have been struggling with SLS for four years now. I first went to them XX/XX/XXXX when they were going to increase my payments as the draw period ended, as I knew increasing monthly payments would be a hardship. Had they helped me then, when payments were {$200.00} a month, I would not be in this position now. 
Earlier this year, they sent me an offer with higher payments than the $ 300-plus they had increased my payment to, plus had respond dates that were two months past! I was told to send a letter, after a Relationship Counselor agreed that the offer had errors, so that they could rework it. That never happened. They sent me a letter saying they were starting foreclosure proceedings. 
A letter received by XXXX County Consumer & Business Affairs acting on my behalf now says that a letter SLS has sent off to me as a result of a request made to them last week has given me the sum of {$11000.00} to reinstate my loan and stop all foreclosure activity. As days go by, I 'm certain SLS will not hesitate to keep tacking on an exorbitant amount of unnecessary fees, just because they can. It seems they are n't regulated much and the consumer has no recourse, yet if a lawyer got involved, which I can not afford, those fees would be eliminated. In my experience since my loan was sold to SLS, they 're are only in the practice of making as much money off their customers as they can, instead of helping homeowners stay in the homes we worked hard for and deserve.
GM Financial is keeping {$860.00} of my money, which the dealer sent to them in error, even though I paid the loan in full and they've sent me the letter saying so. They have approved the payment on XXXX XX/XX/2018 however failed to generate my check. They are using my money since XX/XX/2018.. They keep telling me that the check will be mailed ... Almost 2 months, no check ... I need help!!!!!
I submitted a payment on XX/XX/XXXX via the GM Financial XXXX XXXX. I received a confirmation email for this payment. I have logged back on on about 20 times between XX/XX/XXXX and XX/XX/XXXX to pay for the next month. I get error messages every time I try to pay. I can not access my balance anywhere in the portal. When I login it says that I " missed a payment ''. This is not true. I paid my first payment on this lease on XX/XX/XXXX and do not have the ability to pay this months bill. From XX/XX/XXXX-XX/XX/XXXX I have called an estimated 15 times each day. I can not get anyone to answer the phone. Most times I get a voice recording that says they are having " System errors '' and then the phone hangs up. This is absolutely ridiculous. This is unbelievable that a company would make it this hard to pay them.
Equifax improperly used my credit report as a credit reporting agency. 

Their faulty security has exposed my identifying personal and financial information to hackers. This has exposed me to potential identity and credit card theft.
I have disputed the same incorrect address on both Transunion and XXXX multiple times. This address was placed on my credit reports fraudulently along with many hard inquiries that I have also disputed multiple times. These two credit bureaus have done nothing to remedy this. The address in question is linked with phone numbers that are not mine. They are in a state that I have never resided in. I have called them both and they keep telling me that they are removing the address and phone # 's but they are still there. I uploaded the pages from my credit reports in question. The items that I marked are the ones that I disputed which inculde the address and phone numbers. 
I put both together I was afraid that I wouldn 'd be able to file a complaint separately I am sorry for that.
I have reported Identy Fraud to XXXX XXXX XXXX numerous time I have sent them a copy of the police report and they still have it on my credit