WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed an entry on my credit report with the XXXX major credit bureaus, but the information remains. It is a debt of over {$1000.00} from the collection agency XXXX out of XXXX. The debt they attempted to collect from me was fabricated by a leasing company known as XXXX XXXX out of XXXX, XXXX. I lived at XXXX XXXX for approximately 10 months in XXXX. Due to illegal and dangerous activity on the premise including illegal drug use, frequent verbal and physical fights in the common areas, my family being victims of theft on multiple occasions and a fire arm abandoned and recovered by police near the children 's playground area we moved out in XX/XX/XXXX, breaking our lease several month early. Although the property manager actually was the XXXX to suggest I move out when I brought the above concerns to her attention in XX/XX/XXXX, when we moved out the owner threatened to charge us for breaking our lease ( claiming the property manager did not have the authority to grant us permission to do so ) and when he was unable to collect rent for the months we no longer lived on the premises the company fabricated approximately {$1500.00} of " damages '' they claim the apartment sustained in retaliation for my complaints of illegal activity and for breaking out lease. I have XXXX photos of the condition of every room in the apartment on the day we moved out, including close-ups of the condition of built-in shelves and closets, which show there were no damages to the apartment at all. When my security deposit was withheld, I immediately contacted the owner 's office via phone, explained the situation and provided XXXX photographs of the apartment on the day we moved out showing no damages, ( I provided these via email to XXXX XXXX at XXXXXXXXXXXX ). My email was ignored so I later called and insisted on talking to the owner himself who was very angry and refused to take any action to correct the situation citing that he was still angry that we broke our lease and complained about the dangerous and illegal activities in the complex. XXXX XXXX withheld my {$500.00} security deposit and sold the remaining " debt '' of over {$1000.00} to XXXX XXXX. I informed the collection agency of all these details and was continually harassed on my cell phone, even after requesting they only contact me in writing. These charges from XXXX XXXX and the corresponding debt sold to XXXX XXXX is completely fraudulent. I am filing a concurrent complaint about XXXX XXXX 's debt collection practices and am filing a complaint to the FTC about the leasing company XXXX XXXX. I 'm attaching the XXXX photos of the apartment taken while we were in the process of moving out on our last day at the residence in 2014.
I continue contacting Experian about a address on XXXX XXXX on my credit file, asking to be remove. The address is not mine its assoicate with my relative with the same first and last name. Experian would'nt remove the address. I upload a copy of my Id, social security card, and copy of a bill, as told by Experian. Now Experian refusing to remove the address at XXXX XXXX. I 've called multiplies time. Still no result. Im trying to aviod my Identity from being used. I apply a fraud alert.
Transaction posted on XX/XX/2017, Reference number : XXXX. 
The company failed to file XXXX Arbitration case in violation of " XXXX Core Rules and XXXX Product and Service Rules, '' page 704 without any reasonable explanations.
This company calls and harasses my home and mobile numbers several times every day from many, many different spoofed phone numbers. I have no - and never have had - any legitimate business dealing with them. I have asked them to stop calling, and they will not give me any information nor will they stop calling. They call all day long, from different numbers, sometimes calling both my home and mobile numbers at the exact same time.
I've contacted all 3 credit Bureaus about this XXXX XXXX # XXXX start account that's inaccurate on my credit report. I've also contacted the creditor which is XXXX XXXX about the account, I have asked the creditor and the credit bureaus for proof of the account bearing my signature of the account, I have asked for the original sign contract which I am allowed to see if its my account, the account is being reported inaccurate and I've repeatedly asked for copies of the original contract that has my signature on it they have failed to do so ... I am by law entitled to see the copies for the contract from the creditor
I have enrolled in a Debt Management Program and contacted my payday lenders to revoke authorization for ach payments. Advance America responded to my email and agreed to stop the ach. The email included my account number for tracking purposes and the email address associated with the account. On XX/XX/XXXX they went forward and withdrew the entire amount of the loan despite being contacted by me and by the Debt Management company. When I contacted them they said they had no record of a communication between us and they had never received any information from the company I was working with. I told them I had the email communication and they response I got was that they had no evidence of an email and it was too late for me to do anything about it. I spoke with the company I was working with and they indicated that they had emailed and faxed Advance America and spoke with a representative about the account. I had to find another way to obtain {$2000.00} immediately on Friday in order to cover my account and keep it from going negative. It kept me from being able to pay additional bills. They also kept telling me that my state ( Ohio ) does not allow payment plans. That is absolutely incorrect as other lenders have set up payment plans with me.
In XXXX XXXX, I found myself in a very painful situation. I was separated, no personal goods, and virtually penniless. I discovered that I was in default on my Stafford loans, and I negotiated with the agent at XXXX XXXX XXXX to have the 30 % default removed from my balance if I found alternate financing. I applied for consolidation with the Department of Education Direct Loans during the same month, and XXXX did nothing with my requests to have the balance released until XXXX XXXX. When the Dept. of Ed. refi 'd my student loans, the additional 30 % was still included in the balance. I simply refused to pay until the error was corrected, until XXXX XXXX when XXXX XXXX started harassing my mother over the phone. I agreed to the default rehabilitation payment schedule with the understanding that the 30 % from the original refi was removed, as well as the additional 30 % tacked on by Navient for the more recent default. I followed through on my committment, only to discover that the additional penalties still stand. In essence, I complied and maintained my committments on a $ XXXX student loan debt, only to have the subsequent servicers add on fees balooning the amount to $ XXXX, sit on paperwork, and basically tell me I have no choice in the matter or in disputing the balance since Navient contends my completed request for the refi in XXXX qualifies as my approval of the balance ( which was NOT correct ). Adding insult to injury, this student loan debt was incurred for a XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX College ) and an XXXX in XXXX XXXX ( XXXX XXXX University ), none of which are any use in my current field XXXX. 
I have reached out to my Congressional representatives, and they have not been able to provide any assistance with this. This is my last stop before I consider bankruptcy.
WE APPLIED FOR A LOAN MODIFICATION. DITECH RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED INFORMATION, WHICH WE ACTUALLY HAD SUBMITTED. WE RESUBMITTED FOR THE 2ND TIME, AND DITECH AGAIN RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED THE REQUIRED INFORMATION, WHICH WE HAD SUBMITTED TWICE. THE PAYMENTS, WHICH WERE NOT RECORDED CORRECTLY BY DITECH, WERE " LATE '' ACCORDING TO DITECH, AND THEY SAID AFFECTED OUR CREDIT RATING. HOWEVER, THE PAYMENTS WERE INCORRECTLY AND INTENTIONALLY INCORRECTLY APPLIED BY DITECH TO DEMOLISH OUR CREDIT RATING, SEIZE OUR PROPERTY, AND REFUSE TO GIVE US A LOAN MODIFICATION. WE HAVE NEVER, REPEAT NEVER, FAILED TO MAKE A LOAN PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007, EVEN WHEN THE PROPERTY WAS AND STILL IS DISMALLY UNDERWATER. WE HAVE FAITHFULLY CONTINUED TO MAKE HIGH INTEREST PAYMENTS FOR WHICH DITECH CONTINUOUSLY ATTEMPTS TO DERAIL OUR CREDIT, OWNERSHIP OF OUR PROPERTY, AND OUR GOOD STANDING. THIS COMPANY 'S PRACTICES APPEAR TO BE FRAUDULENT AND CONTINUE TO PLAGUE US, CAUSING A VERY SIGNIFICANT DEGREE OF EMOTIONAL DISTRESS AND FINANCIAL HARDSHIP BECAUSE DITECH ENGAGES IN WHAT APPEAR TO BE NEFARIOUS PRACTICES THAT SEEM TO BE NOT CONDUCTED IN GOOD FAITH IN AN APPARENT ATTEMPT TO TAKE OUR MONEY AND HOUSE ANY WAY THEY CAN. DITECH ALLEGES OUR PAYMENTS ARE OVER 30 DAYS LATE, BUT NEVER HAVE WE SUBMITTED A PAYMENT OVER 30 DAYS LATE. NEVER. THE TRUTH IS THAT DITECH INCORRECTLY RECORDED PAYMENTS AND REFUSES TO CORRECT THE RECORDS OR ACKNOWLEDGE THE PAYMENTS. WE HAVE NEVER MISSED A PAYMENT, AND WE ARE HONEST PEOPLE DEALING WITH AN APPARENTLY DISHONEST COMPANY. WE CONTINUE TO PAY NEARLY 7 % FOR OUR MORTGAGE AT GREAT HARDSHIP TO US, AND THIS IS INEXCUSABLE WHEN INTEREST RATES HAVE BEEN AT AN ALL TIME LOW. I AM SOON TO BE XXXX YEARS OLD AND HAVE BEEN AROUND A LONG TIME AND HAVE NEVER DEALT WITH SUCH A NEFARIOUS SITUATION. FURTHER, OURS IS A XXXX XXXX-GUARANTEED LOAN, WHICH FURTHER REMOVES ANY RISK FROM DITECH. THEY DO N'T WANT TO MODIFY OR REFINANCE MY LOAN BECAUSE THEY WANT TO CONTINUE TO CHARGE US NEARLY 7 % INTEREST AND THEY MAKE CONTINUOUS OVERTURES TO TAKE AWAY OUR HOUSE, EVEN THOUGH WE HAVE NEVER MISSED A HIGH INTEREST PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007. WE WITHSTOOD THE RECESSION WHEN EVERYONE ELSE ABANDONED THEIR PROPERTY. WE CAN NOT GET ANY RELIEF FROM THIS HORRIFYING SITUATION AND BELIEVE THAT DITECH SHOULD BE SHUT DOWN.
I do not recognize this account was opened up because of my identity being stolen it needs to be removed asap.
I am asking for assistance on a modification or reinstatement. Their is an amount of XXXX due for a note of {$5000.00} an i 'm offering to pay {$5000.00} and commence payments of {$200.00} a month with the intention of paying all past due withing a year with a Refinance. This company is refusing to help stating it to short of the time per Sale Date XX/XX/XXXX even though I have provided all documentation. I have proven the death of my mother and my hardship. 

Please Help!
XXXX XXXX, XXXX and XXXX of 2017. I was never late.
This company ran a Hard Inquiry against my credit report without approval. I attempted to contact them and they did not respond to my communication attempts.This is negatively affecting my Credit Score and I would like it removed. 

Inquirer Name : CBNA Inquiry Date : XXXX XXXX, XXXX Business Type : Bank Credit Cards Contact Information : XXXX XXXX XXXX XXXX, SD XXXX
XXXX XXXX, a division of Comerica Bank, has allowed someone to hack my account and steal approximately {$1700.00}. When I notified them on XX/XX/XXXX the charges were still pending but the customer care rep. said that she could not stop payment. I asked her to close the account and she refused saying that you can't close an account that has pending charges. Her advise was to call the next day. When I asked for her name I was disconnected. Currently XXXX XXXX has locked me out of the online account and telephone. Whenever I call my account number is asked and I receive the message that the new card is in the mail then the system disconnects. 
I lodged a complaint with the XXXX of Texas. Comerica Bank told the XXXX XXXX XXXX XXXX XXXX XXXX is a program of the U.S. Treasury, Bureau of the Fiscal Service and therefore is outside the mission of the Better Business Bureau. '' As of date the fraud division of the bank has had no contact with me. 
I have copies of my bank history which shows many banking discrepancies. This account is for my adult dependent son who receives SS and SSI benefits
Starting in 2011, until last night, I was enrolled in Paymap Inc. 's Equity Accelerator program for a 30-year fixed-rate mortgage I have through XXXX. I found out last night that CFPB has taken action against Paymap for the Equity Accelerator program. How can I find out if I indeed was scammed by this program & thus received no added benefit, while I was charged an initiation fee of {$300.00} or so and also {$2.00} transaction fees for every payment. It appears as though everyone in this program was deceived. Please help.
I 'm very perplexed that after me fighting for my home i was granted an n house modification by nationstar mortgage but problem i have is that I 've never spoken with this loan specialist that was a singed to my file he only left me massages without explaining what i needed to do or what type of loan i was getting he just left a massage telling to sign and the money back with the documents so i hire an attorney to look over the document cause i did n't understand what the adjustable arm entailed which is my right i want my home i want to be treated fair i work everyday and can afford my home i just do n't want to be back in the same situation that i already in my attorney he sent the documents with last week please correct the problem so i can move forward and give me some who 's going to return my call as well as speak with when theres a problem i have a signed agreement i do n't want to deal with XXXX XXXX who want speak with me directly its always has been through massage and this is n't business when i need answers right then and there
I came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at XXXX XXXX. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.
XX/XX/2013Investor : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX extFHA # XXXXLoan # XXXXPayment $ XXXXInterest Rate 7 % Term XXXX years. 

XXXX XXXX became delinquent in his mortgage due to the illness of his father and required home repairs. 
In the interim XXXX XXXX mortgage changed hands from XXXX XXXX to XXXX, from XXXX to XXXX XXXX. XXXX XXXX was getting notifications from both XXXX and XXXX. He was getting anywhere with XXXX and he went to the XXXX office. At the XXXX office he was given information from XXXX XXXX that he did n't have an FHA mortgage but that it was conventional. XXXX XXXX. I have documentation the original mortgage it is FHA. XXXX XXXX was not offered a loan modification.. I called the XXXX office and spoke to : XXXX XXXX. 
XXXX XXXX is the investor he told me the loan was conventional. I told him the mortgage shows that it is FHA. XX/XX/2013I completed the XXXX, XXXX, crisis budget, XXXX. I called XXXX and spoke to XXXX, and XXXX who transferred me to XXXX in customer service. I explained to her that I could not applied for the proper foreclosure prevention tool for XXXX XXXX, because XXXX had him listed as having a conventional mortgage, when he has an FHA mortgage. XXXX XXXX has been receiving ACT XXXX notices to date he has received XXXX, She began reviewing his closing documents and said that his HUD 1 states that he has an FHA mortgage. XXXX put in the request to change the type of mortgage of conventional back to FHA which was the type at origination. This process will take XXXX days she requested that I call back by Friday to confirm that it was done. 
XX/XX/2013I called XXXX and I spoke to XXXX to verify if the Mortgage type had been changed, I was told the request was misdirected and she had to check what had to be next. there is no work order. She then requested that proof be provided to XXXX that indicated that XXXX XXXX has an FHA mortgage. I asked if the client did not have proof then his type of mortgage would not be changed. I informed them that I will escalate this matter with HUD. He had a repayment plan, and a forbearance agreement which is available to homeowners with Conventional mortgages. He was not offered a partial claim which is only offer to clients who have FHA mortgages. This is predatory lending practices. I called the attorney 's office that is handling the foreclosure for the lender and was told by XXXX that the loan is FHA. I have contacted HUD to verify the type of loan and they said that they can find it. Please look into this matter. The loan type is not suppose to change.
HYUNDAI MOTOR FINANCE WAS ASKED TO PROVIDE TE ORIGINAL CREDIT APPLICATION FOR FINANCING TO SHOW THE DEALERSHIP XXXX XXXX EDITED OR ALTERED THE MONTHLY INCOME. IF NOT GIVEN WE WILL GET A ATTTORNEY TO SUPENOA THE RECORDS. WE NEED THE ORIGINAL CREDIT APPLICATION SUBMITTED BY THE DEALERSHP AND WHEN T IS VERIFIED WE ARE ASKING XXXX XXXX TO REMOVE FROM CREDIT REPORT. XXXX XXXX INCOME MONTHLY WAS NOT ENOUGH TO FINANCE FOR A BRAND NEW 2017. THE DEALERSHIP FALSIFIED THE REPORTS AND WE ARE ASKIG FOR THAT ORIGINAL CREDIT APPLICATION FROM HYUNDAI MOTOR FINANCE
I 'm getting hammered with OD fees on my business account due to the fact that my alerts are not working it is advertised by chase that setting up alerts helps keep track of your account and prevent overdraft fees. This is not correct. Also I have made deposits and never bounced a check and chase continues to charge me OD fees while I have checks pending to clear which is something the personal banker who set up my account said would not happen. Within the past month I have received XXXX OD fees which is absolutely ridiculous. When I call in I continue to be misdirected and misguided by phone reps and the offer basically no help. You can ask to pull the recorded calls and you will exactly what I 'm talking about. Chase also just sent me a check for this same issue happening to me on my personal account in 2014. Its shocking to me that it would take them almost 3 years to realize that they were in the wrong. Please help. Thank you so much.
This company needs to remove all information from my credit reports. To my knowledge, all medical bills were paid by insurance and up to date. I have never been informed of any debts owed, and even if there are some that I do not know about, their client did XXXX and almost sent me into XXXX XXXX for not doing test requested by me and my wife as well as noted in my medical files. I have a case against their client for negligence.
XXXX credit card with account number XXXX was deleted from my Experian credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?
I have recently been informed that there is a negative and unauthorized item placed on my credit report which is maintained by Transunion Consumer Relations alleging that i owe {$2500.00}. Section 609 of the Fair Credit Reporting Act clearly stated that it does not matter whether an account is valid or not, Credit Reporting Agencies does not have the right to report adverse item on somebody's credit account without prior authorization from the owner of the account. 

If in fact the alleged reference negative account was reported correctly, do Transunion Consumer Relations have the Legal Right to report delinquent, adverse and negative item on my credit report without my authorization. I humbly request that Transunion Consumer Relations provide me with any documentation bearing my original wet ink signature authorizing Transunion Consumer Relations to place that negative account in my credit report. In the absence of such written authorization, i humbly demand that XXXX Consumer Relation delete that negative account Immediatly
Well Fargo 's system displayed incorrect account information causing overdraft fees, that I am not responsible for, due Well Fargo system error. On XXXX/XXXX/2015 my bank account was charged a total of XXXX overdraft fees from Wells Fargo. This is not possible due to the fact that i had money in my account prior to any purchases made. I called customer service and they told me that it was a system error, but unfortunately they can not reverse the charges. This is unacceptable, I should not be forced to pay overdraft fees when I did not overdraft
My late mother and I are Borrowers on a XXXX XXXX XXXX home mortgage loan. We signed loan adjustment agreement documents to modify my loan agreement with Bayview Loan Servicing , LLC, in XX/XX/XXXX. My mother passed away suddenly in XX/XX/XXXX In, XX/XX/XXXX I signed loan adjustment documents and forwarded all of the requested information and my mothers death certificate, via mail and facsimile ; still, as of today, the loan has not been converted to the new loan terms. I have been attempting to work with Bayview Loan Servicing , LLC to modify the loan terms, with XXXX XXXX XXXX Bank due to my mothers untimely passing and changes in my finances and my ability to continue to make the loan payments under the original loan. On XX/XX/XXXX, Bayview Loan Servicing , LLC, sent me another permanent loan modification agreement that would take effect upon completion of the Stipulation Agreement. I signed and sent that agreement back to Bayview Loan Servicing , LLC, on XX/XX/XXXX, I made timely loan payments under that agreement, but Bayview did not change the loan terms. Bayview still has the original loan terms XXXX payment, rate, etc. ) in its system. I received notices from Bayview Loan Servicing , LLC that my loan is delinquent and they have threatened that if I do not bring the loan current, it would start foreclosure proceedings. I contacted Bayview Customer Service and the asset manager assigned to my loan explaining that my loan was modified. They agreed that the loan was in a modification and that I was to ignore the pre-foreclosure notices and continue to make payments under the modification agreement. I have been sending in mortgage payments since XX/XX/XXXX, I was told by the asset manager that they were in the process of converting the loan terms. While this is all going on, Bayview was reporting to the XXXX major credit reporting agencies that I was delinquent on the loan. I am now leaving in fear that Bayview Loan Servicing , LLC, is going to foreclose on my home. I have been making timely payments to prevent foreclosure proceedings and I have complied with all the loan terms I have agreed to. Still, they want to take my home and I am not sure how to XXXX this But, I do know that i should not have to leave in fear of being homeless, when I have done everything I was asked to do XXXX times now over the course of a year.