WillisBack/dataset-financial-user-claim huggingface dataset:
Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX  and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from XXXX XXXX XXXX XXXX, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the XXXX  XXXX XXXX XXXX borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from XXXX XXXX XXXX XXXX . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan. 
whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from XXXX XXXX XXXX XXXX  because iam on the Deed ... and was the only option we have to sabe our home. 

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.
Our XXXX MasterCard which is backed by Barclays was hacked after one {$37.00} purchase to XXXX was approved on XX/XX/18. After this approximately, {$40000.00} in fraudulent charges ( from XXXX and a few other foreign countries ) were approved from XX/XX/18 through XX/XX/18 by Barclays ( a total of 471 charges ) in about a two week period. We did not notice the charges until we received our bill in XX/XX/2018. We began disputing these charges on XX/XX/XXXX with six different customer service agents who gave us six different answers. Supposedly we were issued another credit card, which was not received. Barclays continued to increase our credit limit in order to approve the disputed charges, from {$26000.00} to {$50000.00}. We continuously disputed these charges ( correspondence attached ) and after review by a staff member in the Office of the President, we were told that they did not consider these charges fraudulent since the XXXX charge in Oklahoma was approved, it meant that any XXXX charges were approved. The office said that it was up to Barclays to continually increase our credit limit even if it surpassed the amount we could afford. XXXX was contacted and told us the card should not have been connected to the account that the charges were against because it was not the owners, however the account has been hacked and is no longer able to be controlled by the owner. XXXX said that Barclays had to reject the charges, which they refuse to do. We are retired and can not afford over $ 1,000/month to pay this balance off and which we will not pay since it was due to criminal activity that Barclays refuses to credit back to our account. Our credit history proves that we did not have a history of making such purchases. We did receive letters from Barclays in XX/XX/2018 admitting that the account seemed to be inaccurate, but Barclays refuses to admit it was their error and the charges should be credited back to our account. Barclays is not customer friendly and will not admit that they mistakenly approved these charges above our credit limit. Similar charges to another credit card were investigated by the bank from which that credit card was issued and were credited back to our account, proving that these types of charges were fraudulent.
Do not owe this company anything, requested validation and nothing received. Please help AD Astra Recovery XXXX
I sent total amount due to XXXX ( {$5100.00} XXXX to reinstate my mortgage on XXXX/XXXX/XXXX. According to XXXX monthly billing statement XXXX/XXXX/XXXX, this amount was due on XXXX/XXXX/XXXX, late after XXXX/XXXX/XXXX. The reinstatement payment should have stopped any foreclosure process. Nowhere on any paperwork from XXXX does it say funds must be secured funds. 

Meanwhile, XXXX transferred servicing of my mortgage to Carrington Mortgage Svc, but did not stop foreclosure proceeding scheduled for XXXX/XXXX/XXXX. Intuitively, I went to the foreclosure proceedings at XXXX XXXX XXXX 's XXXX foreclosure trustees ) office to make sure that the procedure was halted. I stringently affirmed to XXXX XXXX XXXX that I had paid total reinstatement amount showing them the check stub. XXXX XXXX XXXX employee stated that XXXX had n't informed them and they contacted XXXX. I specifically asked XXXX XXXX XXXX employee, " So what does this mean? Are you guys going to tack-on a few XXXX more in fees when I 'm already behind, after this? And, is the foreclosure process going to be stopped or not? '' XXXX XXXX XXXX employee said that there should be no additional fees, but that the reinstatement amount had to be paid in " secured funds ''. I told the employee it does n't state that anywhere on the XXXX monthly billing statement or in any paperwork from XXXX. I sent XXXX a check. The XXXX XXXX XXXX employee stated that I would be contacted by them if a new foreclosure date was scheduled because they had to discuss the matter with XXXX. 

About XXXX/XXXX/XXXX I received a reinstatement notification from Carrington stating that the reinstatement amount was now {$7700.00}. They had indeed added {$2000.00} in fees and {$140.00} in late fees. Furthermore, I inadvertently found out that there is another foreclosure date pending on XXXX/XXXX/XXXX, through a refi solicitation. XXXX XXXX XXXX never contacted me about a new foreclosure date and neither did Carrington Mortgage. 

Thus, I paid the total due reinstatement fee to XXXX on XXXX, I paid subsequent XXXX mortgage payment to Carrington. XXXX transferred loan servicing to Carrington Mortgage without inform XXXX XXXX XXXX or telling these trustees that I had made the reinstatement payment. The foreclosure would have been conducted on XXXX/XXXX/XXXX if I had not stopped it ( XXXX had time to inform trustees of payment ). Carrington Mortgage XXXX new loan servicer ) has added late fees and XXXX XXXX fees of over {$2000.00}. And, another foreclosure date is pending XXXX/XXXX/XXXX.
this is not my debt if you believe it is please provide a copy of a signed written contract. i have no knowledge of this debt. also consider this as a cease and desist and also i need you to remove yourself from all 3 of my credit bureaus immediately and delete all my personal information now.
I went to my local ATM at my bank to make a cash deposit on XX/XX/2018. The ATM was located at XXXX XXXX XXXX. in XXXX Texas at the BBVA Compass bank. The ATM number is XXXX. It was approximately XXXX CST. The deposit was for {$1100.00} in cash. I used my ATM card to deposit to my checking account and the first time it took the whole deposit and then spit back the {$1100.00} in bills but kept the {$65.00}. I assumed it was cause they were not able to be counted the first time and so I attempted to make the deposit of the {$1100.00} immediately thereafter. The ATM machine took a total of {$1100.00} and didn't give me a receipt showing the deposit. I immediately tried to get a statement to see if the deposit went through but just didn't provide a receipt. No deposit was showing on my account. I called the bank numbers and was NOT able to get a live person to let them know what occurred. I did reach out by XXXX and then called and spoke to a representative first thing Monday morning, XX/XX/XXXX. They stated they would begin an investigation. I was given a dispute reference number of XXXX. I never received a response and finally reached back out. They told me they dispute had been closed and they didn't find anything when speaking tot he bank or looking at the ATM machine. I spoke to another representative and asked for them to reopen the case. I was given another dispute reference number of XXXX. I was told at that time that they did in fact find {$65.00} in the ATM machine but didn't let me know about that cause I had made a claim for {$1100.00}. I then filed a complaint with the OCC and they indicated that I should contact the CFPB. I was contacted again today via XXXX by BBVA Compass and they indicated that they have found no evidence of the deposit in dispute.
WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.
I have disputed this several times and was never sent any validation for this account. This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate this company provide the information that they used to verify me as the owner of this account or delete this negative account from all three credit bureaus as soon as possible. They have 5 different negative accounts on one Report and 3 different negative on the other report.
I can not get assistance from Caliber Home Loans to address my payment transactions. I have paid my mortgage payment every month. I do not pay monthly, I split my payment and send money orders in twice a month. I pay more than required.
I have asked Caliber in writing and over the phone on numerous occasions-Certified Return Receipt Mail to change my address to my correct mailing address which is my home-the property which I have a loan on.
They have refused to change my address. All of my mail goes to my mother 's address which is where I lived before I purchased my home.
No matter what, they refuse to change my mailing address and they return my payments to my mother 's home which I have no knowledge of until I go to my mother 's home and sift through the junk mail.
The only time I get any resolve is when I overnight letters and payments to the overnight address in XXXX. I wind up putting all the returned money orders and send them directly to the overnight address. But I work long hours and can not always get inside the post office to send a Return receipt overnight package. It 's easy for me to just drop it in the mailbox.
Caliber can see the actual dates of my money orders and the amounts. I have proof of every payment-I pull the money directly from my account on my payday.
My money orders are issued during the same month that the payment is due. I may not pay by the XXXX, but I pay before the month is out-splitting my payments.
I tried to set up my account for automatic deductions from my checking account but the system would n't allow me because it said my account was n't current.
I currently owe for the month of XX/XX/XXXX, but before I send my payment out, I would like help from someone at Caliber to go through my account and change my mailing address.
My taxes and insurance should be paid from my escrow account and my insurance agent just emailed me on XXXX XXXX, 2017 to tell me that my insurance policy was n't paid for by my mortgage company.
I need help. I am very very frustrated. I only owe for the month of XX/XX/XXXX.
This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, XXXX, and TransUnion. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, XXXX, and TransUnion for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information
One or more banks ( credit unions and mortgage accounts ) may have improperly reported the number of accounts opened, paid, closed, etc. by XXXX XXXX XXXX. However, attached is the correct account information that is requested to be provided to the Federal Service Desk ( SAM.GOV ) for registration purposes and in regards to having funds deposited.
I was placed on a forbearance plan with Wells Fargo for a financial hardship I was going through. I was told to pay {$25.00} a month during this forbearance plan. I paid my XXXX XXXX monthly and on time. At the end of the plan, I was supposed to pay aprx. {$17000.00} to bring my loan current. 

During that time frame, I found a position with a company who paid me {$80000.00} a year. This company ended up laying me off 2.5 months later in XXXX of XXXX. This was the first time I had ever been laid off. I asked Wells Fargo if they would like me to submit the documents for proof and they said " it was n't necessary ''. They told me they would work on finding a way to extend the forbearance. Over the next several months, I cooperated with their Home Preservation team to provide the documentation they asked for. During that time, I was shuffled from one Home Preservation Specialist to the next. There was always some problem and some excuse on their end as to why they did not receive the documents. I faxed them, emailed them, uploaded them and still received the run around. During that time frame, I was assigned to aprx. 5 different specialists. 

I was told by the Home Preservation team to go ahead and pay my full monthly payment until a decision was made on their end, which I did. Then I found out my payments from XXXX XXXX ( checking account ) were getting denied. I called and clarified the routing number ( they claimed they had the wrong one ) and then the payment eventually went through. The next month, the same thing happened. Called them again, confirmed the routing number and yet the payment did not go through. 

So I went to Wells Fargo with cash to pay my full mortgage and they would not take my cash! The bank system at the branches do not talk to the Home Preservation systems. This is a real problem. The bank told me I was in foreclosure status as of XXXX XXXX. This is impossible because XXXX XXXX, I received a letter from the Home Preservation team stating we need to talk about other options available. I WAS NEVER SERVED BY A POLICE OFFICER, NOR WAS I EVER INFORMED VIA FED EX, OR ANY OTHER FORM OF PROCESS / COMMUNICATION, ETC. 

So, I contacted a supervisor at the Home Preservation Team and he told me the following law firm had contacted them : XXXX XXXX XXXX XXXX. Sure enough, I did some research and there are multiple lawsuits against these Ponzi Scheme artists and I have fell a victim of their ongoing criminal activity. I 've posted a link below that discusses their recent ( one of many ) class action lawsuits guilty of doing the same thing they are doing to me. 

XXXX XXXX XXXX I encourage those to come forward who are in this situation. THIS NEEDS TO STOP!!!! 

Now the bank is trying to force me to short sale by XXXX/XXXX/XXXX. I have n't even been served yet! How is this possible????? I 've been in this house 7 years. I have quite a bit of equity in it. This is ridiculous. 

Justice needs to be served against these criminals.
I had accounts with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX who all were hacked and had information stolen. XXXX XXXX XXXX gave me an Identify Theft Protection subscription from XXXX. I was notified by them that negative information was put on my records with the credit agencies. I checked it out and found that a collection company name Stellar Recovery had put on my records with the credit reporting companies that I was in collections. This was the first that I knew about this. I called Stellar Recovery and according to them, XXXX on XXXX of 2015 assigned them an account to collect in my name. Stellar Recovery told me that the XXXX Account number was XXXX and they told me that this account was for XXXX XXXX XXXX in XXXX. I told Stellar Recovery that I am XXXX years old, never been in XXXX and lived my whole life in Washington State. I further told them that I am, I am a XXXX when this took place. I shared that I have XXXX when this happened and not in XXXX. They told me that they would close out the account but that I had to contact XXXX. Then next day I found that on my records with the credit agencies that they had changed that I was in collections to that I owed money. I called them again and they said that I would have to contact XXXX. I called XXXX and they told me that I needed to fill out an Identify Theft Victim 's Complaint and Affidavit form ( from the FTC ) and then fax it ( along with any proof ) to them at XXXX. I tried to fax the Identify Theft Victim 's Complaint and Affidavit along with proof to them XXXX times ( XXXX different days ) and the fax number did not work. I called and asked XXXX to tell me the correct number and they could only give me the fax number that does not work. As a result I mailed them everything and I still have not heard from them and my credit is being hurt because of them. The proof I sent was a notarized letter from my XXXX in Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. If you contact me and give me a fax number I will fax you the proof I mailed to XXXX which was a notarized letter from my XXXX Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. My cell phone number is XXXX. Please help me. Thank you and have a great day.
Equifax continues to report a fraudulent XXXX XXXX account on my credit report. They have sent me a letter to express that the account can no longer be reported by them. This account is the result of identity theft and it needs to be removed.
XXXXXXXX XXXX XXXX XXXX XXXX  issued a collection action with transworld systems inc XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX  - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX   dollars as part of our divorce agreement - however - after numerous contacts with XXXX - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - XXXX needs to remove this account from my report - in addition - XXXX  does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to XXXX  and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage
On  XXXX   XXXX , I received an  Escrow Analysis from my  mortgage servicer,  Wells Fargo . I found it odd because I just received my normal cycle escrow analysis in  XXXX    XXXX  . I called them and the Customer Service representative was not helpful. She said that Illinois required an escrow analysis to be run every  XXXX . I asked why this is the first  XXXX  escrow analysis I have we have received in  XXXX  and she could n't answer that.   On that analysis, nothing makes sense to me. My Escrow Account History shows the Actual Payments from Escrow to be {$3100.00} but in my Escrow Account Projections portion , Wells is pro jecting it to be {$6800.00}. How the heck did they come up with that?
I have been trying to work with my mortgage lender for two years. They put me in forbearance 2 years ago and never told me I had to pay it back well I have been trying to re-fi the loan for over a year now and month after month they ask for the same documents over and over. I have talked to counselors and they said they offer counseling for Harp XXXX loans but over and over they ask for the same thing. So I filed bankruptcy to save my house and they refuse the bankruptcy I want to keep my house and I have given them proof after proof and they do nothing but ask for the same documents over and over. Its frustrating and very unprofessional.
Despite the clarification lette r ( see  attached ) from  XXXX , Transunion refuses to delete the account from my credit report.
I paid Credit Collection Services ( CCS ) for a delinquent payment to XXXX for {$310.00} on XXXX XXXX, 2015. The payment was processed and deducted from my account on XXXX XXXX, 2015. When I called CCS to inquire why the payment had not been reflected on my credit report they responded that they did not own the account at the time of payment, however, the check was cashed and processed by CCS. If they did not own the account, why did they cash the check nor inform me of this information. After writing to them, they have processed a refund check for the entire amount.
Macy 's store credit card : I was 11 days late on a payment in 2014, since then I have been making payments to Macy 's. However they have been reporting to the credit bureau that it has not been paid since then. I have proof through bank transactions, disputed through the credit bureau and Macy 's has not removed the erroneous late and no payments. In addition, they charged off my credit card while I was making payments, which also negatively impacts my credit. Because of an XXXX day late payment my credit is damaged for the next XXXX years. I believe it is unethical and should be illegal for Macy 's to continue to fraudulently submit information to the credit bureaus and not be held accountable. In addition, prior to the XXXX day late payment I called Macy 's stating why I was going to be late and asked for a payment plan and they said their company provides not payment plans or assistance if when someone loses their job.