WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.
XX/XX/XXXX I bought a car XXXX XXXX XXXX XXXX XXXX ) from ( XXXX XXXX ) a dealership in Maryland , the car was financed by CREDIT ACCEPTANCE. I asked for the price of the car but was not told. The dealer only told me my monthly payment. He said the total Im financing was {$17000.00}. With a monthly payment of {$530.00} which was scheduled for a spilt pay of XXXX every two weeks. First I was told I will not pay until after a month, which my account was debited only one week after, this took my bank account to overdraft. This was the first fraudulent action From CREDIT ACCEPTANCE. I called to question this action, this was when I was told that my balance is {$29000.00} for a XXXX XXXX XXXX. I object and they said there was nothing I could do about it. That I already signed up for it. I told the associate that I never signed a single paper. Everything was done on their computer, it was late at night, I couldnt read the whole long text. I just trusted the auto giant associate who was explaining to me. Since XX/XX/XXXX Ive been making this rigorous payment and Im earlier this year I was out of job for one month which made me had a past due and I got into my car one morning and my car has been shot down. This was the first time I found out that CREDIT ACDEPTANCE had a tracker on my car without my consent. I called them and it was remotely turned on after I made a payment that morning. I missed my job and was totally messed up. This year alone my car has been turned down 4 times. My grieve right now is that I was told as at purchase that I will be eligible for refinancing as at purchase. I called them XX/XX/XXXX that I want to refinance and they said I cant that they dont do refinancing. This was absolutely different from what I was told upon signing. So Ive been paying XXXX XXXX monthly on this car without the opportunity of refinancing. They stock me up with this killing rate and with all this rigor, Ive been assulted and embarrassed by credit acceptance associate on several occasions. Theyve taken so much aggressive action on my turning down my car without notice or warning. Today XXXX of XXXX, Ive been seeing call from credit acceptance the whole day but couldnt pick up because I was at work. At the 5th time of calling me consecutively I was forced to pick up. And this lady was very rude, disrespectful and uncultured to me. Ask me to be quiet 4times in the conversation. I tried to pour out my concern to her but she never listen. She called me saying I have past due and my car will be turned down. I explained to her that I just made a payment as scheduled for me to pay on the XXXX XXXX which was a day before this day. She said a new bill has rolled over and I said Im aware but Im telling you I just made a payment yesterday. How do you call me to threaten me to turn down my car if I dont pay today when I just paid {$300.00} yesterday. All effort to convince her was abortive because she will not listen. I like to emphasis that this will not be the first time Ive been harrassed by credit acceptance associate. And I demand a review of my payment or cancelation without charge or report on my credit
Oklahoma  Tax Commission giv es state refunds with  a   XXXX   XXXX  . H ad my {$64.00} withdrawn from the card ; had to place two calls  to   XXXX   XXXX   to cancel  the card because the disclosures that accompanied the card said there would be $  XXXX  /month " Inac tivity Fees '' if you did n't use the card. Got a " human '' on my second call to cancel ; the   XXXX   XXXX    representative then said I had a balance due for {$.00} for the two calls I placed to cancel ( this was within  5  minutes of the time I withdrew my money at  XXXX    XXXX    ). I asked her if I would be billed for the {$.00} and she said, " No, your card has been cancelled. '' Called the Oklahoma Tax Commission ; referred back to   XXXX   XXXX   ; tried calling Comerica Bank ( listed on back of card ) and was told, " The card is issued by the Treasury ). If I had n't cancelled the card, evidently I would have received bills for not using it ( and now, will   XXXX   XXXX   report this to a credit report agency? ). What a racket!
Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.
I just checked  XXXX   XXXX  on  XXXX   XXXX ,  2017  and a collection from a debt collector is there with an original debtor I have never heard of or have ever been in anyway associated with. I ca n't even figure out who they both are and what the debt represents. It seems that this is happening to many other consumers.   This is the info I have  : DEVILLE MGMT COLLECTIO N/CHARGE-OFF Status Type : Other Date Reported :  XXXX   XXXX ,  2017  Payment Status : Collection/Charge-off Account Status : Derogatory Amount Past Due : Not Reported Account Details Original Lender :  XXXX   XXXX    XXXX   XXXX   Account Number :   XXXX   Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$2400.00} Payment Details : Amount Past Due Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported Lender Info :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Remarks : Placed for collection.
I have several inquiries that I know nothing about. There are multiples by the same companies. I had a freeze on my credit so I not understand how there are still these inquiries. I have called several times and sent letters to the credit bureaus with no action. I most recently just called last week and they asked me to send letter again which I have already done and still they are not being removed. I also have  XXXX  hospital bills that are not tied to me that they have not removed even with evidence sent. I have student loans that have been consolidated and payment is not due and they will not remove how they are negatively reporting even though they are not negative.
It some company keep calling my job all the time trying to take legal action. They said that they court summoned me, but I never received nothing to go to court. In addition, they are asking what my HR name is and are trying to fax papers to try and garnish my check. The number is ( XXXX ) XXXX ext. XXXX or XXXX ( XXXX ) XXXX. Her name is XXXX and I have no clue what 's going on. I need for her to stop calling my place of employment.
I am trying to process a short sale with SLS. On  XXXX   XXXX ,   XXXX  , I calle d SLS a nd spoke with  XXXX  ID  XXXX . I called to confirm receipt of the new contract sent on  XXXX , they requested the some revisions to the HUD, and that 's all they need at this point. On  XXXX   XXXX ,   XXXX  , the foreclosure sale date was re-scheduled to  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX , I calle d SLS and  spoke with  XXXX  ID  XXXX , he said he sent the updated HUD to the underwriter on  XXXX  and they have not reviewed it. I asked about postponing the sale date of  XXXX  and he said " it is postponed. '' I told him they are not allowed to re-schedule it since they have a complete application on file more than 37 days prior to the sale date. He said this is the  XXXX  application and I said they are still required to postpone the sale date. He was incredibly rude and continued to interrupt. I asked for his supervisor and he said he 's not available. He said I would not continue to hold for a supervisor and hung-up on me.
Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage
I had a credit card with XXXX XXXX back in XXXX and I lost my job so I was unable to pay the debt. In XXXX I received a garnishment from Frank & Kramer for {$1400.00} that I paid in XXXX for {$1800.00}. I never received a summons to go to court on this, but I paid the bill because I knew that owed XXXX XXXX {$500.00}. I received a garnishment in the mail today XXXX/XXXX/XXXX for {$1200.00}. I called Frank & Kramer and they claim that owed an additional {$1300.00} in post judgment interest and told me that this payment has to be paid and that I don/t have a choice in the matter. I should not have to pay {$2500.00} in interest to a debt collector on claim that is past the statue of limitations and that I have already paid. How can I be sued for a claim that I never received anything from the court tot appear on this claim. Please help me.
We bought a car at XXXX XXXX, XXXX TN XXXX ... XXXX XXXX arranged the financing or the car purchased. XXXX XXXX, 2016 ... transaction date. XXXX XXXX did several inquires for the credit to be issued for the car note. Those credit inquires were to be counted as XXXX inquiry. Transunion Credit Bureau counted them as XXXX separate inquiries, however the inquiries were for the same purpose ... purchase a car. This is wrong and has not been revised..it is obvious same day ... same hour, same purpose, same vendor. XXXX XXXX.
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Back in XXXX 2016, I was having a difficult time after XXXX XXXX XXXX the military and trying to get stable financially. I used this service to help me take care of a couple of emergent things that also involved some medical costs. I agree, the acquisition of the funds were attractive and easy. However, I was hoping that I would be able to pay it off quickly in order to avoid the very high interest rates attached to the loan. Unfortunately, this was not the outcome. I faced setback after setback, which prevented me from being able to perform the payoff desired, and I had to continue on their payment plan. During this process, my wife and I were beginning to have dental issues that needed to be addressed, and to protect my honor and my obligation with XXXX XXXX, I placed our need on the shelf, in order to continue paying them. I am now at a point where our XXXX needs must move from secondary to primary, and they need to be addressed. Pain has become a daily part of our life with the XXXX issues and I need to have these funds to meet the treatment needs. I have insurance which is very helpful. However, the associated cost I will have to pay is considerable. I also have XXXX XXXX XXXX challenges with XXXX XXXX XXXX after several XXXX and all of this has often XXXX XXXX  as well as XXXX XXXX. As I took a look at the payment schedule that is attached to this report, I noticed that I have paid off the amount that I originally borrowed, {$3100.00} to the amount of {$3800.00} - to date. I also took a look at the payoff amount to be released from the debt and it is {$3500.00}! And even worse, the complete payoff amount is {$16000.00}!! All from an initial amount of around {$3000.00}. This is way more than what I originally borrowed. In the past, I have had at least 2 conversations with the company in regards to paying off the loan early. I was always advised to wait until a certain date to avoid having more interest attached. But, at any rate as you can see in the documents enclosed, the interest rate is not in favor of the borrower in any way.
Dear Consumer Financial Protection Bureau, I am the primary and sole owner of a FHA mortgage. The mortgage was sold by the original mortgage company to the XXXX XXXX XXXX in XXXX XXXX. In XXXX XXXX XXXX XXXX XXXX sold the mortgage to Green Tree Servicing LLC now renamed as Ditech Financial LLC. I took great efforts to make my payments and kept them current until XXXX XXXX to XXXX XXXX when due to financial difficulties I trailed behind with my payments being made late. My wife spoke to XXXX XXXX, customer service representative on XXXX XXXX, XXXX who advised that we should not make any more payments on the account as the payments that were made for XXXX XXXX and XXXX XXXX were being refunded due to foreclosure against the property. Green Tree sent me documentations of the necessary options that I could take if I wanted to prevent the foreclosure so I opted for modification of the loan. I went through a HUD approved Housing Counsellor who assisted with the modification process. I had dialogue with XXXX XXXX, a mortgage advisor from Green Tree on XXXX XXXX, XXXX regarding the foreclosure and she informed me that my property was prompted for foreclosure because I had failed to make two full years of mortgage payments. I told her that was highly impossible as all the payments were made when the mortgage was with XXXX XXXX XXXX and also when it came over to Green Tree. I requested a detailed statement from XXXX XXXX XXXX to show all the transactions when they had the mortgage before it was sold to Green Tree and the statement accounted for all my payments. I also requested a detailed statement from Green Tree and all payments were accounted for prior to the three payments for XXXX XXXX to XXXX XXXX that were paid late. I questioned XXXX about the two years mortgage payments that Green Tree was indicating as missing and suggested that they did a detailed audit of the account to see where the error lies. XXXX advised me that if I was planning to do an audit of the account Green Tree would have no other option than to go ahead with the planned foreclosure of the property. Based on that advice I declined the audit in order for the property to go through the modification process. At XXXX XXXX, XXXX my principal balance from the statement I received from Green Tree was {$160000.00} Upon modification they gave me a new principal balance of {$230000.00} When I asked for a breakdown of the figure they told me all the outstanding payments for the two years in question and other foreclosure fees were added to bring the principal to that amount. Even though the modification process had gone through I am not at ease within myself. I feel that some grave mistakes have been made somewhere within my mortgage account and I am requesting a detailed professional review of this account. 
Thank you for looking into my matter.
My issues with XXXX XXXX XXXX. I have written four times pointing out that two accounts are being incorrectly reported. The same matter has been rectified by the two other reporting agencies. adverse entry from XXXX and XXXX XXXX Both events began in XX/XX/XXXX. I was in the modification process with both lenders. XXXX was resolved in XX/XX/XXXX and the account went to current. XXXX   was resolved in XX/XX/XXXX and went to current at that time. 
Trans Union is going back to the seven year cut off but refuses to clear the adverse entries during the period " Subsequent to the commencement of the delinquency '' So some of the adverse entries, both of which started in XX/XX/XXXX and continued into XX/XX/XXXX and XX/XX/XXXX remain on my credit report. I have attached documents to support my position.
I 've had nothing but poor service. I get statements that are incorrect, I get statements that ca n't be deciphered, I get undocumented phone calls and requests that never go through. I 've been put in delinquency twice after being told twice over 5 months that my forebearance while my new payment plan is being approved would go through. I 've requested forebearance during this time over the phone and email. I 've been told my public forgiveness did n't count for a year because of cents being miscalculated in my payment while nobody told me. I 've been through the ringer so many times that a customer care agent was assigned to me who never responded after about a month. I 've complained so many times without even a response. I 've tried Ombundsman without any success. This company is completely incompetent at everything they do and I do n't trust them one bit with my money. The communication is terrible at best, the responses are even worse, and the amount of mistakes they make that can lead to severe financial problems is astounding. The fact this company still runs is amazing to me. I 've requested several times to have my money transferred to a different servicer without any luck which is fundamentally absurd. I can go on and on and on. I want something to be done!
I started out my cash-out refinance using a VA Loan with Amerisave because they had approved me for a 3.375 % interest without paying points ( in fact they were supposed to give me {$680.00} for taking that rate ) I talked to a man at the company and he said that 's right because I have a XXXX credit score. I also received a loan estimate that showed no origination fees which he also stated they do n't charge those. Now, after a long back and forth of documents I already uploaded it was told I did n't need to send at first but then told I do need to send we are in the closing portion. I 've set a date for a closing agent to come in my house and fill out the rest of the documentation tomorrow on Tuesday at XXXX. They sent the final loan disclosure the previous Friday afternoon when they knew I was at work and could n't contact them back right away. I reviewed this final disclosure and there was and it says " Origination fees ( points ) {$2800.00} ''. So I called them out on this and they 're " looking into it '' right now, but stated those are the points to buy the rate down because they do n't charge origination fees. This is normal but as previously stated I was approved for the rate with them paying me {$680.00} because my credit score and income are within that range. So this seems to be the same " bait and switch '' AmeriSave had to pay XXXX in 2014 for, and they 've just gone back to their old ways. I will keep an update on what happens with this. My guess, they do n't get back to me until after lunch at which point I have to go into work and wo n't be able to work it out until tomorrow morning.
My credit report shows a 30 day late mark for XX/XX/XXXX from Bloomingdales Store Credit Card. The bill was due XX/XX/XXXX for {$1500.00} with minimum payment of {$120.00}. 
I attempted to make a minimum payment before due date online, however the website kept malfunctioning, and as it turns out did not process my payment. I was only made aware of the issue when credit card representative called and notified me that my bill was pass due, at which time I made a payment of {$500.00} on XX/XX/XXXX. For several months after the issue kept reappearing with Bloomingdales payment processing website and I had to make payments in person at Bloomingdales store or call in to make sure payments went through before due date. 
I have been a good customer since XX/XX/XXXX, a black card holder with this store, and have always payed on time. 
I have attempted to resolve the issue with the credit card company however the issue has been in dispute since XX/XX/XXXX without resolution.
On XX/XX/XXXX I sent Shellpoint servicing an appeal letter based on the most recent denial letter I had received on XX/XX/XXXX. All my most recent documents had been provided to include paystubs and the 2 most recent bank statements. On XX/XX/XXXX, I spoke with a Representative who confirmed that the docs had been received. I followed up with them again and was advised that they need XXXX ' bank statements for various accounts i had, however some of them would not be available until after XX/XX/XXXX since the month ran from XXXX. iI was able to provide them with the ones which were available that ran until the end of the month and advised them that I would provide one of the statements that would become available after XX/XX/XXXX. On the date of XX/XX/XXXX when i provided my bank statement, i simultaneously received a notice that my loan had been referred to foreclosure. I called into Shellpoint and requested to find out why and they advised that because my bank statements were not provided therefore the file was incomplete and referred to foreclosure. I explained that the bank statement was not available until after the loan was referred and that it was completely out my control. I dont understand how they could have done this. I also have a letter from them requesting this information and telling me that i have until XX/XX/XXXX to provide this information and they still did not allow me this time. Please help. I am not against a foreclosure while trying to save my home.
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hendering me from gaining employment, and getting financed for housing. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Trans Union is reporting negative information from XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelyhood. The information they are reporting is not identically shown on my reports from XXXX, and XXXX.