WillisBack/dataset-financial-user-claim huggingface dataset:
I h ad a conventional mortgage until recently. I was serviced by   XXXX   XXXX   XXXX   XXXX  . I  was in the process of selling the property, and there was also a modification in process. The first payment for the modification was due   XXXX   XXXX       2017     which I paid in a timely manner. The next payment was due    XXXX   XXXX   2017 w hich I also paid in a timely manner. When I contacted Equifax,   XXXX   and  XXXX , after selling the property in    XXXX   2017, to  make sure tha t  XXXX  w as no longer reporting the mortgage as having a balance, ( I sold it      XXXX   XXXX  , 2017 ), I  discovered tha t Ocwen had reported that two pa yments in     2017   as being late. This would be impossible. First, as I stated above, the mortgage was in modification status. And, the trial payment f or   XXXX   XXXX  , 2017, w as paid. In addition, I paid  XX/XX/XXXX  payment, even though I knew I was selling the house in a few days. Thus, there were NO Late payments paid in    2017.
Equifax mishandled my personal information ( as well as the information of millions of others ) which has led to a breach that puts my personal banking information at risk for the foreseeable future. They chose not to inform me of this ( and still have n't as of this complaint ) for over a month after they became aware of the breach. As far as I can tell, the only recourse they are offering forces me to simultaneously forfeit my right to legal action against them for their negligence. Considering I have never even personally requested their services, it seems ridiculous that I am simultaneously expected to take all the proactive measures to protect myself from their negligence.
I have only been in my house for a little over a year and a half and already my original loan was sold to LoanCare a few months ago. They told me that my escrow account did not transfer over and 5 months later I received a statement from LoanCare stating that I have a  XXXX   XXXX  dollar shortage and that my mortgage was going up $  XXXX  /mo. I calle d immediately and was bounced around from one person to another saying that it was because my taxes or insurance went up, but I contacted my tax assessment office and insurance office and they did not. I was promised a call back and received nothing. After not receiving a call back I called again insisting to speak with a supervisor, to which no one was available. After calling back again the following night I was eventually told that until they figured out why there was such an increase in monthly mortgage payment, to continue paying my normal payment and they would get back to me. After trying to reach this same person time and time again with no such luck ( even though I had her name and ID # ), I was told that they could not honor the original agreement until they spoke with her ... which NEVER happened despite calling several times for over a full month. I went from speaking from one supervisor to the next and that they were going to send a 'priority email ' and that I would hear back the next day-which of course I never did. After calling yet again they were conveniently out of the office and I left another message with no response. After speaking to someone and reassuring me that things would be taken care of and I would get an answer the following day ... no one called and the increased mortgage am ount ( {$750.00 } higher than normal ) was directly taken out of my account without authorization. I called in a panic and no one was able to help me and I never received a call back. This company completely pushes you around fro m one person to  the next and can never give you a straight answer or a call back. I had asked to meet in person but since they do not have a physical location they could not do this. They claim they could not cc me on any of their emails because they can only interoffice email which  in 2017    seems like a complete crock. LoanCare is completely unreliable and it is pathetic that they can not even call back their customers and that are trusting them to handle thousands of their dollars and make false statements and lies.
When I divorced, my ex-husband was given ownership of our house and the debt associated with it. He, however, never removed my name from the mortgage and when he died and it went to collection, my credit rating was damaged. I have contacted the company with the divorce order but they said it does n't matter.
There are numerous addresses and employers that are incorrect on my report. I have asked tha t they be removed so that all of my credit reports match. I have sent in two letters, one fax,  and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX   My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  XXXX / XXXX /  XXXX  .
I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capitol one auto finance XXXX Cap one auto finance XXXX
First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to fax the documents to XXXX. 
I faxed the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Equifax on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have not received the documents. I asked the rep to confirm the fax number to ensure I had the correct fax number. The rep confirmed it to be correct. I told the rep I 'd fax the documents again. 

I waited a few days an called Equifax on XXXX/XXXX/XXXX. They confirmed that the documents were received and that they started processing on XXXX/XXXX/XXXX. The rep gave me a confirmation number and told me the process can take up to 30 days. 

On XXXX/XXXX/XXXX, I received an email that the processing was completed. I reviewed everything to find that the XXXX Account ( Mortgage Fraud Account ), a few addresses, and inquiries were not removed. 

I immediately contacted Equifax to find out why and when speaking to a rep I found out that they are are still processing it. She insisted I contact XXXX. I explained to her that I did and found out they do not have a fraud department nor would provide me with the lenders direct contact information. 

I then sent certified mail with return receipt to Equifax on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Equifax received letter on XXXX/XXXX/XXXX. 

I called Equifax today, XXXX/XXXX/XXXX, to get an update. The rep told me that the items were removed. I told her I had an Equifax membership for unlimited report and score. I pulled a new report and score while she was on the phone. I explained to her that they fraudulent information is still there. I also explained to the rep that it 's been over 30 days and that TransUnion received the same documentation and was able to rectify the errors on the report immediately. The rep then offered an a promo code to purchase all three reports and scores at a discounted price to get exactly what is sent and seen by creditors. I declined the offer and hung up.
The BMW auto lease we tired to pay off the loan however they refused to take the last XXXX payments. We requested validation from BMW and they only sent a form letter.
Equifax was negligent and allowed the leak of my personal information ( such as birthday, SSN, address, and more ) to an unknown amount of people. They waited weeks before alerting me that my info may have been leaked, and they did not take the necessary precautionary measures to prevent something like this from happening.
I requested a credit report from Experian for XXXX dollar and found out they also set me up for a membership I did not want and they will not refund my money. My credit card company acknowledge this happens frequently with this company. This is a very deceptive practice and need your help in recovery my money and stopping this company from continuing this practice.
I am XXXX XXXX XXXX i have never changed my name i have never use any of the alias names on my credit report. Any nanes other than XXXX XXXX XXXX were fraud. Please remove. 
Also i lived at XXXX XXXX XXXX. XXXX, Al . For 30 years i have never used any other address in Alabama. Please remove all alabama addresses but this one. Only a unstable person will have over 20 addresses. Also the social security numbers please remove from credit file. Not mine also the phone numbers as well.
My home was flooded and Wells Fargo gave me a 3 month reprieve. After I started paying on it after the 3 months I saw that I was being hit with lates each month, even though the rep has a note in my file to give me a 3 month reprieve it kept my account in a 120 day late status. I have tried calling multiple times and I am told that they do see a note in my file that I had a 3 month reprieve and would fix it, but nothing ever happens. Please remove the late off of my Wells Fargo account immediately.
To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXX also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX XXXX CA.
I noticed this inquiry on my XXXX credit report, I called this Barclays Bank they could n't find anything, the customer service representative told me it will be removed. I got my up to date credit report from XXXX it 's still on it. I then sent a certified letter and they responded with a letter saying that they received a on line credit application for some type of credit I 'm not sure of what type of credit. They 're just telling me they verified the information on the application. I do n't know this bank/ company never applied for no type of credit on XXXX/XXXX/16. I 've been a victim of identity theft and that 's why I requested my credit reports from all XXXX agencies. This isnt me they wo n't show me anything showing they verified this and it belongs to me.
The payment amount reporting for the amphibious base was incorrect it 's my account, XXXX removed it and I want it put back on my report. The account number is # XXXX # then they are reporting the account with XXXX XXXX XXXX as a charge off and it has been paid of since XXXX 2014 they sent the update to XXXX.that account number is # XXXX. Then I have XXXX accounts that were included in my bankruptcy that they are reporting 1. XXXX XXXX acct # XXXX 2. XXXX XXXX XXXX acct # XXXX 3. XXXX acct # XXXX all XXXX of these accts were discharged XX/XX/2014 with my bankruptcy. I would like for XXXX to correct this accuracy because it 's hurting my credit.
I have been charged erroneous late fees multiple times from wells fargo. They continue to do this and refuse to remove their mistakes.
XXXX XXXX 2017 ; I spoke with the company when they called in the morning and told them that I was exercising my right to have them contact me via mail and no longer by phone. 
I 'm attaching screenshots of the harrassing calls.
Hello CFPB, I 'm writing today to report issues with  XXXX  accounts negatively reporting on my   XXXX   and Experian credit reports. As well as a number of hard inquiries that were not authorized by me. I have submitted several request to both company 's to investigate these accounts and inquiries. I requested proof in the form of a signed agreement however in both cases my request were ignored. Their responses were that the investigation results were confirmed providing no information or documentation of proof to verify their claims.     The company 's I submitted investigation request to were Experian and  XXXX .     For accounts being reported by  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .     The  XXXX   XXXX   XXXX  account reflects that I owe a  XXXX  balance however it states that I have  XXXX  missed payments and that I am 140 days past due. This unverified information is severely hurting my chances of obtaining a mortgage and is wreaking havoc on my financial reputation.       XXXX   XXXX   XXXX   on the other hand is n't reporting any payment history at all however it is reporting a charged off balance in the amount of {$1000.00}.     I have disputed these debts a number of times however I 've gotten the same out come each time with no proof. I honestly just want it to be over. Attached are copies of the certified mail receipts of the documents I 've sent over the past 9 months or so to no avail.
On XX/XX/XXXX, I submitted disputes to XXXX, Experian and XXXX   regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.
ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was XXXX XXXX. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was XXXX XXXX. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,
I dispu ted a derogatory item placed on my credit report by IC SYSTEM INC in err or to  XXXX ,   XXXX   and   XXXX   --  XXXX  and   XXXX   fixed the error by removing the item from my credit report --  XXXX  DID NOT.  XXXX  refused to remove the item and said so after their " investigation '' was complete. I disputed this item  with IC System ( a collection company )  and they have not even acknowledged my complaint. On  XXXX  I resubmitted my dispute with   XXXX   and warned both IC System and   XXXX   of pending legal action I intend to take if this situation is not resolved IMMEDIATELY. The derogatory item was for an unpaid dentist bill ( {$900.00} ) which IS PAID and the account ( my husband  XXXX  's ) is IN GOOD STANDING with  XXXX   XXXX  ( merchant ). This item should NEVER have appeared on my credit report in the first place -- and since the item is PAID, this item DOES NOT BELONG IN COLLECTIONS.
I received a Tier 1 hamp loan modification for my home from my servicer SLS. I believe they have violated Hamp guidelines in this process. The value and money owed is more then XXXX % they have now is not within LTV guidelines. Having made the trial payments and additional XXXX months payments and they still do n't report them. 
I have requested they vacate the foreclosure judgement and have I never received any response. They have ruined my credit by not removing information on my record
On XX/XX/XXXX, applied for an auto loan but not with BB & T with XXXX XXXX XXXX ; however, I received a denial from BB & T that my credit score is XXXX ( correct ) and that : I have Serious Delinquency and Derogatory Public Record or Collection - not true. The only collection is an old medical bill that has been disputed several times and removed from Transunion. 

Proportion of Loan Balances to Loan Amount is Too High -  this is a bald-faced lie! ( See attached ).

Excessive Loan to Collateral Value - this is a bald faced lie. The car I thought I had purchased is a XXXX XXXX XXXX with only XXXX miles at a XXXX XXXX Book Value of {$22000.00}. This car was sold for {$18000.00} with a XXXX XXXX XXXX trade-in with a value of {$6000.00}. 

Excessive Obligations in Relation to Income - another bald-faced lie! ( See attached ). 
All my student loans are in forbearance and the bulk of them are on IBR with a $ 0 monthly payment. 

I have always had a problem with this bank even for opening a simple checking account. 

This consumer is requesting a fair assessment of my credit.
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Barclay issued me a credit card that I had no idea existed, I never activated it and of course never used it since I did n't know about it. Got an email stating there was a past due balance, called to figure out what happened and was told a 60-days past due was automatically reported to the credit bureaus. They cancelled the account ( apparently ) and zeroed out the balance, and confirmed it was a bank error. However, they ca n't tell me what they are able to do to correct what is now a negative credit history reporting. They will not get me a letter stating it was ( a ) a bank error ; and ( b ) my credit history with them is in good standing, both things I need to now submit to the reporting agencies. I have spent about 6 hours dealing with this error, because my credit history is excellent and I do n't want this error to ever be reported. They claim that their process is automated and they ca n't do anything about it. I spoke to supervisors who claim that there is no one else I can speak with to get results. 
I just want this corrected immediately, because timing is of the essence. If it is not corrected, then my credit score will go down and it will take months to correct it. 
All of this for a card I knew nothing about, and never received.
At XXXX XXXX.on XXXX XXXX, XXXX, I parked my vehicle in the shopping center near XXXX. I set the alarm and went shopping in XXXX and when I returned at approximately XXXX XXXX, the trunk of my vehicle was opened and the items hat were in the trunk of my care were missing, including but not limited to the Enagic Water Filtration Systems, FitBit 's, Samsonite Suitcases, Holmes Electric Blanket, PNY USB Drives and San Disk Micro SD Card. I filed a police report with the XXXX XXXX County Sherriff and also filed claims with Amex XXXX, since the items were recently purchased on my American Express Cards. The American Express Claim Numbers are XXXX for The Suitcase and the Electric Blanket - Claim Amount for # XXXX is {$130.00}, # XXXX for XXXX Enagic HGN Filters, XXXX Anespa Ceramic Cartridge and XXXX Anespa External Cartridge - Claim Amount for # XXXX is {$500.00}, and # XXXX for the XXXX FitBits Flex 's, SanDisk Micro SD Card and XXXX PNY USB Drives - Claim Amount for # XXXX is {$160.00}. I called on XXXX/XXXX/XXXX to find out a status of the claims and was told that claim # XXXX was denied because the items were deemed as perishable or consumable. I was told that # XXXX and # XXXX were waiting for the police report to be submitted, I stated that I submitted the police report for both # XXXX and # XXXX. I stated that I have a confirmation that they were faxed over to AMEX. I then asked to speak to a supervisor because the definition of a consumable is something to be used up rather quickly. These items are not used up rather quickly, are not a product that gets consumed but rather attract pollutants. It takes years to need replacement. I also informed Amex that these items are not perishable because the definition of a perishable item is something that spoils or decays. The items do not spoil and do not decay. In fact, there is no expiration of the product. I asked Amex how they determined that the items were consumable or perishable and they said that XXXX ( the manufacturer 's ) website recommends replacing the items every 6 months for the HGN, and every 3 years for the Anespa Cartridges. I spoke to XXXX XXXX on XXXX/XXXX/XXXX. She said she would look into this and get back to me on XXXX/XXXX/XXXX. I did not hear from her at all, so on XXXX/XXXX/XXXX, I called XXXX and asked for a status update. She said she needs more time.On XXXX/XXXX/XXXX, I received a call from XXXX XXXX. she said that she is standing by the decision that the items are perishable or consumable, so the claim is denied. I asked her about the other XXXX claims and she said that # XXXX is denied because there is no coverage for items being stolen out of a vehicle for that credit card that I used. I informed her that I disagreed with her and have a copy of the guide for benefits that states that there is coverage for items lost stolen or damaged within 90 days of the date of purchase and no one ever stated until now that there is no coverage. She is also stating that # XXXX needs to have a the police report verified with the XXXX XXXX County Sherriff. It appears that I am being harassed by American Express ( Amex XXXX XXXX ) and they are committing bad faith denials.