WillisBack/dataset-financial-user-claim huggingface dataset:
My ( now ex- ) wife and I separated in the summer of XXXX. I had hopes that we would get back together, and made improvements on the house and one of the vehicles we owned together. As a result, I incurred debt and fell behind on the payments with OCWEN Loan Servicing. After a point, OCWEN refused to accept any payments unless it was for the full amount past due. I contacted OCWEN several times for assistance in applying for modification or refinancing. Although a dedicated " relationship manager '' was assigned to the mortgage, each time I contacted OCWEN, I ended up speaking with a different person, and was given different information -ranging from being told my application was incomplete or that my ex-wife needed to sign a quit claim deed. It was not until this summer ( 3 years later ) that my modification was processed and approved, after I indicated that I reported OCWEN to this agency. However, the terms of the modification while offering a slight reduction in monthly payments ( approximately {$160.00} ) would financially tie my ex-wife and together for 40 more years. Additionally, the overall loan amount would increase several hundred thousand dollars. When asked if I could just resume payments under the original terms, I was told that I would have to pay the past amount due -over {$18000.00} ( an amount due in part to the accumulated effect of OCWEN not accepting any payment until previous past due amounts could be paid ). While I am now starting to be on better financial footing, I am stuck in a catch 22 position.
My loan was transferred from XXXX XXXX XXXX XXXX Green Tree Services. Green Tree Services demanded that I pay the loan off in full, there were no other options. I explained to them that I had lost my job and I was working again, however I could n't pay out $ XXXX. The representatives were extremely rude and began threatening me. I told them my house was 'under water ' and there was no equity in my home. They said they would just charge the loan off and then hire someone to sue me. They advised that one way or another they would get their money. They began calling friends and family members as well. My mother said someone from Green Tree was extremely rude and indicated that I may lose my home. Green Tree also contacted my employer and indicated that I was behind on a mortgage. They never offered anything accept pay us or else. I am worried to death over this. I have XXXX small children and cant lose my home. Green Tree Recently charged off my 2nd mortgage. According to them the next step is to take me to court to file a judgment against me and garnish my wages. I cant afford to have my wages garnished for a 2nd mortgage that has no equity. Please help me. Please save my family.
An account stating that I am delinquent XXXX, which, should show I dispute, also showing incorrect payments made in XX/XX/XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX and again in XX/XX/XXXX. That is false, I did not make any of those payments and actually reported my card stolen in XX/XX/XXXX,  provided police report and XXXX   reporting this information regarding other accounts on XXXX  and XXXX   correctly. Also, does not state last payment made, which XXXX, in a letter sent to CFPB states was XX/XX/XXXX.

I am disputing this debt as I have sent in complaints that XXXX XXXX corporate did not effectively communicate their accounting errors and did not reflect my refund to my card/account correctly to XXXX   and XXXX, which would have shown that my account was paid and closed.
I began a vehicle loan with Credit Acceptance aroundXX/XX/XXXX. I have never missed or been late on a payment. At the start of my agreement, the dealership setup my account with Credit Acceptance for auto pay ; The dealer entered the incorrect account numbers. I called credit acceptance consistently for 1 week to find out why the money had not been withdrawn from my checking account. Once they advised that the payment was returned I paid immediately using my debit card. InXX/XX/XXXX Credit Acceptance upgraded their website with actual account holder information ( previously you could only make payments and it was done through XXXX XXXX  ). With their upgrade, when I went online to make my monthly payment, it shows my balance being almost {$1000.00}. I was shocked and outraged, when I called Credit Acceptance to inquire what was happening, the rep ( who was really nice ) advised me that my account has been reporting past due from the very first payment and that I have accumulated a multitude of late fees. After our conversation, I immediately checked my credit score and it was decreased by 150 points. I am outraged!
XXXX XXXX XXXX XXXX XXXX XXXX turned my debt over to XXXX, bill was paid in full to XXXX on XXXX XXXX, 2015. I just received a demand letter from West Asset Management , Inc That I owe {$510.00}. I have no idea who these people are and they are threatening to report unpaid debt to the credit bureau.
I have roughly XXXX of private student loans on top of about XXXX federal loans. I have a great paying job and am making right around what the average college XXXX makes. I have been trying to get my private loans consolidated for about 8 months now. I have been unsuccessful in doing so. Even though I have a good credit score and my cosigner has a great credit score & gt ; XXXX, a I was told I needed an additional co-signor and when I did apply with XXXX co-signors, they denied my consolidation. I recently went to buy my leased car and the car dealership informed me that my student loan debt accounts for 112 % of my monthly income. Luckily I have had a great deal of over time the past 4 months and have been able to keep up with payments, however now overtime is dwindling and my savings is starting to vanish as well. XXXX eventually I wo n't be able to make payments within the next 4-6 month period. I have found my private loan supplier to be uncooperative, unsympathetic, and unhelpful.
Insurance paid this debt, now the debt collector is attempting to recover money not owed. They're also using a malicious practice of reporting the same debt multiple times in a fraudulent attempt to collect a debt not owed
Equifax and XXXX are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.
do not no who XXXX XXXX is i have never used that name or anything else on tranunion, and a address in XXXX XXXX i have never live there
XXXX contacted my wife for an alledged medical bill. The person that called her name is XXXX, the numbers have I have for them are XXXX, XXXX and XXXX ext XXXX and said we could request to speak with the attorney whose name is XXXX. The company did not identify any location, but threatened legal action that they would collect my wife 's XXXX and collect any taxes that she may be receiving during tax time. The debt they are trying to collect is from 2009. They said that they have already forwarded it and that she will be served papers. Should n't she already have papers?
My husband and I split our mortgage payment. We XXXX made our payment, but mine was dated with last year 's date of 2015. XXXX mortgage sent my portion back stating it had the wrong date. I immediately bill paid the payment. I received a late fee of {$79.00} because my half of the mortgage payment was past their grace period. I tried to contact them via phone, but there is automated systems only. I contacted them via email explaining that my payment was n't late it was on time they returned it. That does not seem legal to me. Please advise me if this company can charge a late fee when they in fact receive payment.
On XX/XX/XXXX I purchased a XXXX on XXXX XXXX for XXXX using XXXX through my us bank app. As soon as it went through, on the seller deactivated his XXXX, and vanished. He never sent me the product, so I appealed to my bank on XX/XX/XXXX, who waited two weeks to tell me they couldn't do anything. I was not mass aware they were a sperate company until I called XXXX XXXX, I thought XXXX was the name of a program us bank had.
I have had a Chase XXXX Credit card that is currently closed but I am still paying the balance. I set up automatic payments but for some reason they have ceased and now they are charging me late fee after late fee and probably are reporting the account delinquent causing serious damage to my credit score. I have not received any statements from them for this account either. When I was made aware of the situation I attempted to make payment on the account online only to be told that they are unable to process the transaction and to please try later. I have worked hard to build my credit back up only to have it in jeopardy because of this Chase account. I have been a loyal customer for many years and I am extremely disappointed.
I have tried to resolve this problem with experian credit bureau I have disputed a number of inaccuracies on my experian credit from wrong address to wrong names, and old accounts that are close or paid in full still reporting on my credit report I have spoken to numerous customer service representative and to no avail experian representative refused to remove anything from my report even with documents I have fax over I need wrong address remove wrong names to be remove and closed of and paid in full accounts to be remove immediately
This company is raising the amount a XXXX and then reporting I paid a XXXX, they have also doubled the amount owed.
Between mid-XX/XX/XXXX and XXXX 2017, hackers gained unauthorized access to certain files at Equifax , Inc . 

Equifax announced this security breach on XXXX XXXX, 2017. 

I went to the website Equifax set up to address this issue, equifaxsecurity2017.com, and once I entered my last name and partial Social Security number, I received this message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have taken action to place an initial 90 day fraud alert with Equifax that is supposed to also go to XXXX  and XXXX. 

While I understand that this event was not anticipated by Equifax, I feel that Equifax did not take strong enough precautions to protect my personally identifying information. My name, social security number, birth date, address, and possibly driver 's license number and credit card numbers, could be in the hands of people who could sell it. I am concerned about potential identity theft and I also feel like Equifax should have notified the public sooner, particularly those individuals affected.
Agency has been sending mail to my address and calling my phone none stop in regards to a debt I know nothing of. Collection agency has been calling me none stop about a {$1800.00} debt. This collections account is now on my credit report and is holding me back from being able to obtain credit. I 've reached out to this agency to get this removed from my credit report but they 've refused to do so. I did not authorize anything in regards to this debt and they have yet to provide proof of who is the owner of this debt
There are numerous inquiries on my credit reports from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through Experian, XXXX and XXXX and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact XXXX XXXX, Experian, XXXX and XXXX  and have them delete these inaccurate, illegal inquiries of my credit report?
My name is XXXX XXXX. I've been out of the country since last year : XX/XX/XXXX - XX/XX/XXXX I had XXXX on my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was XXXX by an XXXX while walking across the street. Put off XXXX till now. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

I made a payment on XX/XX/XXXX, on my account and set up automatic payments on the same day because I knew I was going to be gone. 

So I traveled to XXXX for XXXX then to XXXX where I did my XXXX, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - Discover has given me about 4 late payments.

I see whats going on and made a complaint to Discover on XX/XX/XXXX, in regards to the matter was not given any help of any kind. All I was told is that it doesn't show in their system of automatic systems being set up.It 's obviously a tech error. That's not my fault. 

I have never had an issue with Discover till now. Is hows a Tech error my mistake?

They have cost me almost 150 points of my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE.

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by Discover and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life.

Please help me get all those false missed payments off my credit.

Already beginning to consult lawyers about possible legal action against Discover in regards to the issue.
My name is XXXX XXXX XXXX NOT XXXX XXXX XXXX. Please remove from credit report as soon as possible. This is causing problems with my reports being reported correctly.
Matter of fact there is no debt at all. After researching blogs online I came across, this company is a scam. My credit report is showing collection requested by XXXX. I called the XXXX and they very well confirmed that I 've no dues at all since I closed an account. 
My question to Bureau is, despite XXXX of similar complaints, how come this company is in existence. How to dispute and remove such disaster that has no roots ( base of claiming collection ). 

This is the company I am talking about. 

XXXX 

Why do they exist? Are they legit? And only combination ( pattern ) is with cable company only. That even is XXXX. 

This needs to stop. It took years to sharpen credit number and all of a sudden this disaster damaged number like anything. 

I never received any reminder or follow up letters as per law that tells that I owe any amount to XXXX. XXXX I paid it on time. This collection has came after a year and a half I discharged services from XXXX. 

Please do needful and please reply to my email, how can I remove this from my credit report. 

Thanks
I filed a complaint against Equifax with CFPC in XXXX 2016, in regards to obtaining a copy of my credit report and credit scorces and also disputed inaccuracies contain in my consumer file. Equifax send a copy of a credit report and score dated XXXX XXXX, 2016, according to Equifax my credit score is XXXX. XXXX offers a service where they provide their customers with their credit score obtained and supplied by Equifax. XXXX claimed my Equifax credit score is XXXX and this information was obtained from Equifax on XX/XX/2016. 
Equifax response : Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. The " key factors '' are general explanations about what may be affecting the score and are not part of the credit file. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to your application for credit. 
XXXX response : Dear XXXX XXXX : We have received your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the free FICO ( R ) score appearing on Account Online. 
The FICO ( R ) score is a reflection of the data in your credit report and is provided to XXXX by Equifax. We are unable to change the FICO ( R ) score appearing on Account Online as updates are only made when we receive information from the consumer reporting agency. 
To report inaccuracies and request corrections, please contact Equifax directly as XXXX can not control information reported by other creditors to the consumer reporting agencies. 
I again am filing a complaint against Equifax and requesting an investigation into why Equifax is providing XXXX different credit scores and their calculation methods that would warrant the same credit report with the same information creating XXXX different credit scores. 


If there is information on your credit report regarding your XXXX ( XXXX ) XXXX XXXX ( XXXX ) account that you feel is inaccurate, please provide us with the details so that we may investigate further.
I saw this company listed on my credit report so I tried to contact them. There phone number XXXX does not give you an option to speak with anyone - just an option to leave a message and someone will return your call and they never do. The XXXX listed on their website goes to a fax machine and you are not able to speak with anyone. They have this account for {$440.00} listed on my XXXX report since about XX/XX/XXXX. I finally received communication from the original creditor and took care of the bill. I recently moved from XXXX XXXX to XXXX so it took them a while to track down my new address. I paid the bill with the original creditor ( XXXX XXXX XXXX ).  I opened a dispute with XXXX on XXXX XXXX XXXX and attached the receipt where I had made the payment with the original creditor. The dispute came back the same day with no new results. How can a dispute even possible come back the same day? What research was even done? I pulled my other reports and noticed that they also applied that same information to XXXX with just listed last month with no company information, No company name, no phone number. Nothing. So had I not already known the information from XXXX - me as a consumer would not have had any idea of where the information was coming from or who to contact.
Hello, I filed a complaint against Money Mart for a fraudulent inquiry on my credit report. Money Mart replied stating I came into their organization on XXXX XXXX, 2016. They indicated I applied and did not receive a loan. I am asking the organization to pull their video on that date and to provide a copy of my license in which they should have if I came in to apply. I am also asking company to provide the phone number on my credit report and match against their application because they should have seen a fraud alert on my credit report in which they have the credit inquiry listed on and the phone should have been called and verification implemented. I have never been to this organization, nor did I know of this organization existed until viewing the inquiry on my credit report. I have never been to Money Mart and have no clue where this place is. Again, I am asking for the removal of this fraudulent inquiry as I never applied for anything with this organization
All my inquiries have been hard pulls and its affecting my credit I got a full credit report and dont recognize none of these inquiries done by me
XX/XX/XXXX we closed on a Home Equity loan as a refinance of our original mortgage issued in XX/XX/XXXX. This Home Equity loan on XXXX XXXX XXXX XXXX PA XXXX, was for the total amount of {$230000.00}. It was written by PNC Bank Mortgage loan officer XXXX XXXX, out of the XXXX XXXX XXXX XXXX office ( I'm not completely certain that this was the branch he worked out of ). 
At the time, he told us that we were getting a 15 yr. mortgage. At no point did he inform us that we would have a balloon payment of {$160000.00} due at the end of 15 years. At no point in the 15 years that we had this loan did PNC communicate to us that this balloon payment would be coming due in XX/XX/XXXX. In fact, the only way we discovered this was through our online banking portal. The payment due changed on XX/XX/XXXX from the typical {$1300.00}. to {$160000.00}. 
THIS IS PREDATORY LENDING. We have faithfully made our payments for the past 15 years, and now PNC expects us to come with a lump sum of XXXX? We need to have the loan modified in a reasonable and affordable way. So far PNC has NOT cooperated, we applied for a refinance and were told we did not quality - due to income and debt requirements. We own a small business and have cash flow problems. But we HAVE always made our mortgage payments. When we inquired about our options at PNC were advised to let it go delinquent and then do a " work-out '' we do not want to go delinquent and have our credit ruined. This is inexcusable. 
Please require PNC, a multi-BILLION dollar company, to do the right thing and modify this egregious loan product that should have NEVER been issued, and should have come with many, many communications about its payment structure.
My auto loan started in XXXX ... ..Key Bank has sent me forms to set-up auto-pay ... .I have filled out the forms and the first time they said they did not receive the void check to verify my numbers ... .yet I provided all routing and account # 's ... .So they charged me a late fee ... ..waiting for auto-pay to come out of my account which I provided ... ..did not happen again .... charged me a late fee ... .said it takes 2 months for it to process ... .paid 2nd payment with late fee ... ... sent paperwork out again, said my wife needs to sign letter because her name is also on the check ... .not for signature just on the address part ... .They want me to do paperwork ... again ... ..This is nothing but a scam to charge late fees!!!!
On sunday I was depositing cash at the BBT ATM machine, the ATM rejected some of the bills and started to return them to me but I was unable to get all the cash before the ATM took the remaining cash back into the machine and shut down with no receipt. I only got XXXX dollars back out of a XXXX dollar deposit, and when called they said it would take a couple of days. This created a couple of overdrafts and they have not refunded the fees.
I have received numerous robo calls for a long time from XXXX XXXX XXXX, XXXX ( info on caller ID ). You do n't get a live person when you wait to connect to tell them to quit calling or find out why they 're calling. I have filed complaints with the Illinois Attorney General 's office and XXXX and received no response. I just received another call yesterday ( XXXX XXXX ) and want these calls stopped. If you do an Internet search, you 'll see many people complaining about this law office which is generating the calls.
XXXX XXXX loan appears on behalf of XXXX XXXX XXXX in which I have not applied for nor ask for any web or online pay day loan. I'm also filing a complaint with the US Attorney office as well as the justice Department on American Web. My credit file with Experian is opt out on marketing and offers etc. I have not ask or want any pay day loan. It seems like a lot of fraud on Experian part by XXXX  being a part of them. It also seems your targeting people for high loans and a big scam on all parties take your XXXX else where and no you been filed on several agency.I 'm also filing a police report on this company Experian as well as XXXX XXXX XXXX
I recently moved from XXXX FL to XXXX FL. I submitted an application to XXXX XXXX to roll my 401K into an IRA account. I then updated my address to reflect my current location. Apparently, the address change caused XXXX XXXX to freeze my account for 15 days, advising that I could not take any actions on my account until XX/XX/2017. I called and asked what I needed to verify in order to process my rollover, but they refused to accept any verification. If they are going to take such drastic measures with customer accounts, at the very least there should be a way for customers to unfreeze their accounts over the phone. Also, when changing my address online, I should have received a notification BEFORE submitting my change request stating that the change would cause my account to freeze for 15 days.