WillisBack/dataset-financial-user-claim huggingface dataset:
I request that XXXX XXXX Account No : XXXX be put back on my credit report. In XX/XX/XXXX it was deleted. However Ive been paying on it got 8 years and recently finished in XX/XX/XXXX The agreement between me and XXXX was once it was paid off it would be reported on my credit report as account in good standing paid as agreed and paid in full. XXXX reported normally. I've called EQUIFAX a total of 30 times asking for the status of the updates they informed me I can fax a dispute to put everything back on my credit report which was faxed in the month of XXXX EQUIFAX informed me that I can not dispute to add something to my credit report only a creditor can add something to my credit report. MEAN WHILE EQ IS SAYINTH THEY HAENT HEARD ANYTHING FROM XXXX Mean while XXXX XXXX has been trying to report it over 7 times on my credit report Providing me with AUD # XXXX every time..
Victim of fraud - the criminal has been prosecuted and is serving a prison sentence for the crime. Even after submitting documentation verifying the public record that the responsible party was convicted and the account was opened fraudulently the finance companies refuse to remove the incorrect negative information from my credit report according to the FCRA.
Ocwen has been very hard to deal with. There is no communication between their different call centers. My home is at stake and I still have no clue who is managing my case. 

As per final order. 
1. Ocwen has not provided a SPOC2. Ocwen has not facilitated loan modification NPV values. 
3. Ocwen removed access to online e-submission portal4. Ocwen did not provide an independent reviewer. appeal is directed to ocwen. 
5. Ocwen did not provide NPV values on denial letter. 
6. Ocwen has very limited communication between its parties including law firm, law firm was called for contempt for missing and ignoring my communications as per judges orders. 
All I want is my modification approved and be able to keep my house for my family at a reasonable payment schedule. My hopes are on the ground in dealing with Ocwen.
Santander Bank held my deposit even after the funds cleared the bank on which the funds were drawn ( which was my business account with XXXX ). As a result the payment of my mortgage with Santandar will be late. I expect Santander to charge me a late fee and may report my late payment to the credit agencies. I complained about the impending late fee and the credit agency report to a customer service supervisor, XXXX, at the Santander phone center in Rhode Island. XXXX said that Santander 's policy is to hold deposits up to 4 business days before crediting the money to the depositors account even if the funds have cleared the source bank account. ( XXXX refused to give her last name. ) The deposit to Santander was made XX/XX/2017 and cleared XXXX XX/XX/2017. The mortgage is due XX/XX/2017. On XX/XX/2017 the on-line Standander statement reported that the funds to make the mortgage payment were " unavailable. ''
I have my auto loan with Wells Fargo Dealer Services. They lost one of my payments. I was notified in XXXX that I missed a payment in XXXX 2014. I went to my bank and got proof of the payment. When I proved that payment I was told it was XXXX 2014 payment. I got proof of that payment from my bank and sent it in to them. I was asked for proof of payments for that entire year and I complied. Wells Fargo still has n't corrected this error. They have been lying stating that The Attorney general 's office has n't contacted them but I have a copy of every letter sent by XXXX at the Attorney general 's office. He also stated that Wells Fargo contacted them on XXXX XXXX asking for another extension. The Attorney general 's office has been involved in this since XXXX and Wells Fargo refuses to respond to their requests therefore I was directed here by them. When Wells Fargo called me last week they stated that XXXX in their office of the President was no longer with them and there were no notes on my file. They have charged over {$200.00} in late fees to my account and reported negatively to the credit bureau for their own mistake. It is evident that this has happened a lot with them because in XXXX 2014 they posted someone else 's payment to my account per XXXX therfore it looked like I made an extra payment that month. If you look at my account history on their site they tend to reverse a lot of payments because payments are posted wrong, even when you pay electronically on their website. I have attached a copy of my payment history screen off of their website. The Attorney general 's office has submitted all other correspondence from my bank as well as the payment history screen from their site, to them in XXXX and XXXX.
I put in a dispute with TransUnion on XXXX/XXXX/2016 for a collection on my credit report that is not mine. I called around to XXXX different hospitals and also XXXX and no one could give me a direct answer for what this charge was for. I then had them resubmit the dispute for the same reason. When I called over a year ago ( the first time ) for this dispute I was told it was for a XXXX, I have never had one of those and told them that last time. I am getting nowhere with this and it is not fair that it is hurting my credit score.
I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXX was reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.
XXXX XXXX cancelled my credit card due to " number of accounts with delinquency '' : I had XXXX 30 day late due to failure to receive a statement. Account was paid off and closed. " Too many inquiries in the last XXXX months '' : there was only XXXX inquiry, from the company I had not received a statement from.
Hello I have recently spoken with someone at TransUnion through customer service about my multiple inquires I did not authorize on my credit report. Everyone that I had spoken with were very rude about it and would not help me with my problems. I have some inquires I know I did not authorize and I get no help at all. One representive had me on the phone over an hour to go all the way through the process to tell me oh he can not help me and hung up the phone. Here are some inquires I did not authorize on my credit report XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX
An car loan that supposedly was taken out on XXXX/XXXX/XXXX, was reported transferred to another office in XXXX/XXXX/XXXX. This was XXXX years after the loan was supposedly created. I have no record of this loan. I have had XXXX car loans in XXXX years. XXXX, after I XXXX from the XXXX XXXX in XXXX, for a XXXX XXXX XXXX and the other in XXXX for a XXXX XXXX truck. Each loan was paid in full with no late payments. Both vehicles were later sold with no lien holders to private buyers. I have no record of a car loan with the company saying I took out a car loan in XXXX. The first year the XXXX XXXX was offered was in XXXX as per research on the internet. Until I graduated from the XXXX XXXX on XXXX/XXXX/XXXX, I could not afford a car loan or any other loan. It is illegal for a company to carry a loan on its books for this amount of time. It also violates the time period a loan can be reported to a credit reporting agency per Federal law. I informed the credit reporting agency that as of this date XXXX years has transpired and they needed to remove this improper account from my credit report. They acknowledged that I have disputed this and still claim they have to wait to remove this based on what the creditor replies irregardless of what the laws are. The advent of long term car loans did not happen until the cost of vehicles made the standard three year car loans obsolete because people could n't afford the payments. This occurred many years after I purchased vehicles and also after this supposed car loan I have no record of in XXXX. I have requested on numerous times before that accounts that were over XXXX years or XXXX years that were being reported after the time periods had expired be removed and they were done without question. This account is over XXXX years old : this does n't make sense.
Experian is supposed to allow consumers to freeze and unfreeze their credit reports to third parties at the consumers request. Their entire process is robotic, impersonal, and incapable of following through on this mandate. Their system routinely misidentifies me and will now not allow me to unfreeze my credit. Both Experian and XXXXn have web based services that work efficiently and well. Experian 's " service '' if you can call it that, is rife with inefficiency, lack of accountability and onerous demands on the consumers that will take hours to put together and days or weeks before Experian even gets around to the request. As far as I'm concerned I don't trust Experian with my information let alone their ability to keep it accurate or safe. In my first attempt to freeze my credit they required " proof '' sent via USPS while denying my freeze request on line. A week and a half later I recieved an answer from them saying they couldn't honor my freeze request because they needed more information, then asked for the very same information I'd already sent. To top it off they included in the letter a full picture of my complete credit information. In effect they did not yet believe I was who I said I was and yet they sent me a complete picture of my credit. This organization can not be trusted with our sensitive credit information, period! To top it off they also sent me a pin number to use which when I did was REJECTED! It is amateur hour at Experian
On XXXX XXXX, XXXX I bought XXXX XXXX 's gift cards from XXXX through XXXX using my Citi Double Cash card. When I was looking at my credit card statement on XXXX XXXX, I noticed a advanced transaction fee for {$13.00} and a minimum interest charge of {$0.00} which I traced it back to the transaction mentioned above. I spoke to Citi customer service twice and they mentioned that the charge was incurred because it was a quasi financial institution and they blamed the seller for the charge. On the other hand, on XXXX XXXX, XXXX I bought XXXX XXXX 's gift cards from the same seller through XXXX with the same credit card and yet no charge was incurred. This is the second time this has happened to me, the previous time was on XXXX XXXX. Similar situation, bought gift cards through XXXX
They keep calling me and threatened me that they will sue me for the funds I owe Sharing my personal info to other people
I have been the victim of identity theft and as a result the following account # XXXX from XXXX XXXX XXXX was placed on my credit report. I have contacted this company and provided them with a valid copy of my identification as well as a police report and identity theft affidavit. They have failed to contact me, nor have they removed this fraudulent account from my credit report.
We are behind in our mortgage due to hardship but do not qualify for modification. I have requested a payment history, we have not received I have sent in paperwork for repayment plan, they claim not received. We do not have a single point of contact to work with for repayment plan, I can not access any information regarding our loan on line, We are requesting a single point of contact to go over options of repayment plan.
I have a personal relationship premier account with wellsfargo. I also have my daughters ' accounts linked to my account. They said when opening the account that since I have an account with minimum balance requirement of XXXX, some fees etc., wiill not be charged for my account and my daughters ' accounts. 

For just getting a temporary check leaf so that she can give that to her employer for direct deposit information, they charged {$3.00}. When I asked that the fee be refunded, they said they can not waive that fee. 

To give a temporary check leaf the charge of {$3.00} is atrociously high. They did not properly inform my daughter about the fee and she was under the assumption that any fees will be waived because of the premier account status.
I received student loans subsidized and unsubsidized and consolidated them and started to repay the loans in XXXX. 

I have requested that Nelnet send me an amortization schedule and have not yet received this information. There is no consistent amount applied to interest or principle. My original loan after consolidation fee was {$30000.00}. As of XX/XX/XXXX I have paid {$24000.00} of that payment {$16000.00} was applied to interest and {$7000.00} has been applied to principle. My current principal balance is {$33000.00} which is {$2400.00} more than my original loan balance. 

When I call and ask about the fact that my principal has never been lowered. They tell me that it is because my loan has been put in forbearances multiple times. When I asked to see documentation of why this happened ; I was told this was a verbal agreement. I disagree with this because I have not asked for forbearances and feel like this is just an excuse to increase interest rates and capitalize interest. 

I feel like Nelnet is using fraudulent lending techniques to increase loan balances by capitalizing interest.
My next step is to file a suit against the credit reporting agencies, XXXX  and Equifax to be exact. They are continuing to add to the initial fraud inwhich one has done to me. Their investigation continuously come back with the same results, verified, but never once providing me with any proof. This is my last request for you and your companies to block the following from my credit report ... .1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX {$56.00}, {$52.00}, 4 ) XXXX XXXX XXXX 5 ) XXXX 6 ) XXXX XXXX
I applied for a mortgage with loan depot. I went ahead and filled out the necessary paperwork to apply for the loan. I made a specific request that I wanted a 30 year fixed loan. I gave him my credit card number for the appraisal fee. I noticed a 15 year arm loan on the application. I was upset and asked him about it. He said that I could get a better rate if I shorten the term and did n't lock on a rate. I told him I was very upset because he did n't do what I wanted and that I wanted to cancel the loan. His manager called me and apologized and tried to change my mind. I said, " no '' and that I wanted my appraisal money back. The manager said he would refund the appraisal money and apologized. That was in XXXX 2016, I have n't received my money back or received a response from the email I sent.
My mortgage was sold to XXXX XXXX  by XXXX XXXX. When the account was closed by XXXX and a new account opened by XXXX to changed my average age of accounts. This caused my credit score to drop by 22 points at XXXX and 25 points at XXXX. Those are 'XXXX XXXX XXXX ' numbers. It dropped 28 points with Experian using XXXX XXXX XXXX. 

Banks buying and selling accounts is very common. The consumer should not be penalized for what banks do in their own time. I have done nothing to deserve this. 

I am relocating to a different state in 2019, and this is very terrible timing. My score will be lower as a result of something I had no control over. This will affect me when qualifying for a new mortgage and the interest rates I will be offered. 

The Average Age of Accounts might have some benefit toward risk assessment, but it makes my 30 years worth of credit look like I just opened my first account.This is an unfair business practice.
I checked my credit reports a couple of times last year. I found out that in XXXX XXXX, Commonwealth Financial started reporting a debt of {$610.00} ( medical ) to the credit bureaus. This is not a valid debt, as I have attempted to express to them on numerous occasions. I have disputed the account, multiple times, on each of the bureaus, and each time Commonwealth verified the account as accurate. I do n't understand how they can do this. They will not send me verification of the debt, and I can only assume it 's because they are n't licensed to collect in Florida and it shows their collection license as " revoked '' ( I did a little XXXX search ). So what gives? Is this even legal?
My mortgage with XXXX  XXXX XXXX went into foreclosure in XX/XX/XXXX after my now ex husband was in a car accident that left him out of work for 6 mos. I applied for a loan modification. My original mortgage payment was {$2200.00} my modification offer came back at {$2000.00}, which I denied. I continued XXXX after month facing updated modification paperwork to them. Every single time, within 24-58 hours XXXX would show up with an envelope that had in it a list of what they ( XXXX ) was saying was missing from my paperwork ; it was not. I paid a company out of XXXX ( Owner XXXX XXXX ) $ XXXX/month for a year to help with the modification process, also paid him {$2500.00} cash to do what he said was a forensic audit on my original mortgage paperwork/transfer. He did nothing to help me, he simply took my money. After years and years of this, XXXX was sued for shredding customer modification paperwork and giving bonus to employees who did do. I took it upon myself to print the newspapers articles from the XXXX XXXX XXXX and The XXXX XXXX and faxed it along with my modification paperwork. My mortgage was then immediately sold to who currently holds my mortgage, Specialized Loan Servicing. I have requested a modification numerous times since XX/XX/XXXX and all three times Ive recd an offer right around the {$2000.00} mark. My house is now in serious disrepair. The roof leaks, windows are literally falling out, the ceiling in the back of my house has collapsed. Ive offered hundreds of times to pay no more than $ XXXX/month in order to save my house, and start to repair it. This was the house I grew up in. My grandfather bought this for my mom who is still here with me, but has been sick ( XXXX ) since XX/XX/XXXX. He bought this house in XX/XX/XXXX so that my mom and I would have a stable place to live. I bought it from my family in XX/XX/XXXX with the intention of keeping mom safe here until she passed, but nothing is cooperating. My house is all we have and if we lose it, mom will have to go into elder care through the state. Why do that if I can keep her here and take care of her. Anyway, this has been a long uphill battle and according to my research, it seems the SLS is doing the same stuff XXXX did. They currently have a Class Action Suit against them for unlawful modification practices.
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK CAR Date opened XX/XX/2014 which has been deleted by XXXX   and XXXX. XXXX and XXXX  have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I have a loan with Seterus Inc. Loan number XXXX. I always pay on tine and never missed a payment. Last month in addition to my monthly payment of {$240.00} I transferred {$35000.00} in intent to cover part of my principal. Seterus, instead of covering my principal, transferred the money in to so-called Suspense account. I called them to make sure that they transfer the money from this account to my principal. They promised to do that, but of course never did. It is convenient to them to keep my principal higher in order to charge me more interest. This first telephone call I made was on XXXX/XXXX/2015. Since then I was calling 2 times a week to see what has been done. So far nothing has been done and they just feeding me promises and telling how hard and how long it takes to transfer the money from one account to another. So now after a month I have no choice, just to look for your help. 
Thank you so much for your help in advance, XXXX XXXX
COmplaint filed X/XX/2017- XXXX XXXX {$350.00}, XXXX XXXX original creditor XXXX XXXX XXXX {$470.00} Equifax is stating that they verified the information that is derogatory and on my credit report. This is false information. I have contacted the complanies XXXX XXXX was resolved and paid by insurance and was removed from my credit due to a billing issue on the insurance company. Equifax has not deleted it. XXXX {$470.00} was removed from Equifax per my dispute as it was invalid charges and taken care of by insurance. Equifax deleted it and then allowed it to be reported by another debt collector which is XXXX. XXXX XXXX the original creditor has no bill that ever was in their office for {$470.00}. Equifax claims to resolve and verify with creditors but they are not verifying with collection agencies or creditors. They are violating my rights under the Fair Credit Reporting Act by failing to distribute to me the information they receive from the debt collector that proves this is my debt. I send documentation and this does not get resolved. 

In addition I have provided evidence that XXXX XXXX would not report to credit agency and Equifax is still allowing it Equifax is falsely claiming to verify information. This is a total violation of consumer rights. THey do not verify they just close disputes as verified to meet the 30 day timeline.
I was on wells Fargo mortgage assistance program for one year and at the begining of the program I was 3 months behind on payments By the end of the year I was 5 months behind and I made every payment and now they are foreclosing I have proof of making every payment during that year. But they still say I 'm 5 months behind. Is n't this a predatory loan?
This account was reported to TRANSUNION on XXXX and was removed from my " hard-copy '' credit report. However, this is still appearing on my online credit report and was told on the many and numerous times that I called that it was supposed to have been removed online when it was removed from hard copy. 
I have called over and over and over and no one seems to be able to help. Transunion has given me several numbers to call for online. Every time I called they would tell me they need to put me through to online although that was the number that I called. Every single individual claimed that they were unable to assist me as online could not be reached from the main department. 
When I told one agent that I would contact CFPB she even told me that everybody makes that threat and that CFPB would possibly contact them only ... no big deal. 
Transunion has & does make it EXTREMELY difficult to get anything done on behalf of the consumer. A year or so ago they even dropped my credit score from XXXX to XXXX for no reason ( s ) at all. You may not believe that but it is true. 
The account that has been deleted but Transunion refuses to remove from online is : XXXX XXXX XXXX.