WillisBack/dataset-financial-user-claim huggingface dataset:
My home was foreclosed before I had the chance to pay the past due. I never got to have my full 37 days to correspond. I am attaching more supporting paperwork to say that my home was taken from me before I could respond after speaking with Carrington Mortgage. Again, another home taken from a Service XXXX Veteran.
I leased a car with Honda finciancial in XX/XX/XXXX. My mother was co signer bc I don't have good credit, she was making payments to build my credit up. 
My mother passed away in XX/XX/XXXX, I paid car payments best I could, however car was repossessed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # unknown XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, pa XXXX
Checked credit report through XXXX and discovered the following message : " AMS SERVICING , LLC has flagged your account as Not more than XXXX payments past due ( XXXX ). '' I refinanced my mortgage with XXXX during XXXX 2015. There have been multiple changes and I am currently paying Seneca Mortgage. I have never paid late and always pay more than is due every month ( {$2000.00} ). All payments are made electronically - XXXX : Paid {$2300.00} ( Credit Union Tracking # XXXX ) XX/XX/XXXX15 : Paid {$2200.00} ( Credit Union Tracking # XXXX ) ; XXXX15 : Paid {$2200.00} ( Credit Union Tracking # XXXX ). Attached is payment history since I first was notified to send my payments to Seneca Mortgage ( XXXX15 ).
This was/is a FHA loan and as such is insured against a total loss. This house is still in my name and not has been foreclosed upon. As a result I am not able to acquire a new loan or property under FHA 's guidelines due to the existing FHA Account number which is managed under XXXX. 
Wells Fargo needs to release my obligation and connection to this property and clear my XXXX record back to when the BK-XXXX7 was filed 2009, or at a minimum 3 years from when I filed which would be the penalty if they had settled with HUD.
Transunion had a computer glitch that caused all of the inquiries on my credit report to be deleted, and my  credit score i ncreased. The very next week, all of the inquiries were reinserted to my credit report without prior written notification in direct violation of Sec  611 of the Fair Reporting Credit Act. I a m requesting that the reinserted inquiries be permanently removed from my credit report.
X/XX/2017 at around XXXX XXXX I made a deposit for {$320.00} into an ATM in the lobby of the XXXX XXXX US Bank. The ATM ate my card, check and did n't issue a receipt. I called immediately and they told me I would have to file a reg E dispute. I did this, and they denied my claim saying they needed a receipt. Which is inherently ridiculous when an ATM malfunctions. I want the bank to pay for a re-issue of the check or actually search for it.
I took out a loan with First Virginia lending agency in XXXX of XXXX. I am aware that the agency offers high interest loans ; however, I have been very diligent in making extra payments in an attempt to pay off the loan, which was originally {$1000.00}. I am always told on the phone that only a small amount of my payments is applied to principal, and the rest to interest - and having nothing in writing from them showing how my payments are applied. I provided my email address at the time the loan was taken out, and was advised by the representative that I would receive statements via email. I have been requesting my statements now for months, only to be told that I needed to contact their corporate office to get them. I have repeatedly contacted their corporate office and was advised that the local office ( where I took out the loan ) must provide the statements and that they ( the corporate office ) has nothing to do with transactions at the local branches. On XX/XX/XXXX, I called the local branch of First Virginia and was once again referred to the corporate office for my statements and was advised " their system was down all day. '' On XX/XX/XXXX, I followed up with the corporate office and was told they have no information and to call the local office ( yet again ... ) I spoke with the manager of the local office of First Virginia ( " XXXX '' ) on both XX/XX/XXXX and XX/XX/XXXX, and she keeps advising her " system is down '' and she can only print out my contract. I have been asking for my statements to see how my payments have been applied for six months now and First Virginia is obviously refusing to provide them. I am sure I am not the only customer who does not get any type of statement or detail of how their extreme high interest payments are being applied. On other various dates, I have requested my payoff amount, paid several hundreds towards it, only to be told that payoff amount didn't include interest and the payoff amount was back up to the original amount prior to the payment, within a few days.. By withholding statements and written information from the customers, First Virginia is able to tell customers basically anything they want about their payoffs, payments made and payments that will be due.
On XX/XX/18 my BBVA Compass Checking account number XXXX was robbed in a identity theft embezzlement. The suspects that robbed my account have robbed me over 200 times. Before I opened a account with BBVA Compass I presented them with documentation to prevent this type of bank robbery from happening, they reassured me that my account would be monitored and this could never happen. 

On XX/XX/18 is was robbed in the amount of {$6600.00}. I need my hard earned money back, they failed to protect my account, they failed to protect me as a consumer, they failed to protect me as a customer of their bank. 

Please get my money back from these criminals sending phony levies, and garnishment suspects in my identity theft case that are XXXX XXXX District Attorny Deputies that are on the wrong side of the law. Stealing money from consumer in a official manner bulling banks and employers to steal money from consumers. This ring of local government criminals are well connected with the DMV employees that assist with personal information. 

Attached you will find my Federal Trade Commissioner Identity Theft Report they asked these criminals to remove this from their records more than once and made the XXXX XXXX District Attorey a suspect.
I had no idea that there was a collection of {$25.00} against me until I attempted to apply for credit. The company informed me that XXXX   had a horrible mark against my credit because a collection agency by the name of CBE Group claimed that I never paid a {$25.00} debit. It would have been nice to have been notified by someone of what this charge was for and when it happened. This company never sent me any written notification about this issue and now XXXX has removed it from my credit report. But I have no idea what the other credit bureaus show about the CBE Group and how to get those additional agencies to remove this erroneous claim. 

My concern is that this company holds people for ransom by submitting inaccurate information to credit bureaus without the consumer being aware of it. Clearly enabling companies like CBE Group to act in this manner is no different than anyone in the world putting a mechanics lean on a home so that the title is cloudy. There needs to be some sort of proof that the company has reached out to the consumers and that the consumers clearly ignored all communication. They should also be obligated to obtain a signature of delivery of their notifications in order to file with the credit bureaus. This is not the way that companies should be allowed to do business and there need to be repercussions to organizations who file erroneous and inaccurate information about consumers. I look forward to your insight and support to stop predators like CBE Group.
In XX/XX/2018, I opened a business account with XXXX XXXX XXXX in my company name. My account was closed in XXXX and they reported to the consumer credit bureaus in XXXX that they gave me a Line of Credit for the negative balance on the account. They also reported the account and my EIN to XXXX as a negative bank account. I contacted the bank and asked why are they reporting on my personal credit report and was told that they gave me a line of credit when I opened my account but I never applied for it nor did I receive it.
The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment
We paid {$34000.00} as a principal payment to our mortgage which was owned by the company Loancare. This money applied to the loan and then treated as a Misapplication Reversal later, on the day of monthly payment. The mortgage was transferred to different company following the principle payment reversal, but we haven't received $ XXXX back from Loan care. We contacted Loan care twice before XX/XX/2019. We didn't receive any answer from Loan care. our mortgage was sold for the full principle amount even though we had applied the XXXX $ to it. 

Our main concern is below. 
1. We need our money $ XXXX back from Loan care now. 
2. We believe XXXX removed the $ XXXX as Misapplication to sell our loan for a full principle amount even though we had applied money to reduce the principle.
XX/XX/XXXX.2017. A wire transfer was made in the amount of {$55000.00} to a vendor in XXXX XXXX known by us ( Company ) for many years. Correspondence continued  back and forth until transfer was made. When vendor did not confirm receipt of funds, we discovered that we had been defrauded and that the long email address was missing one letter. 

Our bank was contacted as soon as we realized what happened and asked them to recall the wire. However, our bank uses XXXX XXXX as the intermediary bank for international wires and the receiving bank was XXXX. Despite numerous telephone calls, emails and police reports, neither our bank, Santander or XXXX XXXX responded to us as of today. We were told that XXXX XXXX " attempted '' to communicate with XXXX to recover the funds, but XXXX has not responded at all. 

We are an extremely small company and the possibility of someone intercepting our emails and knowing that we are making international wire transfers is highly unlikely. We believe that either Santander and XXXX XXXX data has been compromised or that someone in these organizations is selling the information to a fraudulent entity. There is no indication that either of these 2 organizations have done anything to stop this from happening to other companies. As far as XXXX, we believe that they are harboring fraudulent entities in their countries because they had all of the information of the " person '' who received this wire, however, they have done absolutely nothing.
To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/2017 I sent XXXX finance in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/2017 they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with XXXX, XXXX  and Equifax but the credit dispute has not removed the information from my credit report.
I have had a Bank of America checkings account for 10+ years, which I had all but forgotten about. A vendor linked to auto pay on the account tried to collect funds, when my account became overdrawn. At the time, I was out of the country when the account became overdrawn. I did not receive any notice of the overdrawn status given I was out of the US, with limited internet connectivity. I also recently moved, so any mailed notices were being sent to my incorrect address. Once I discovered the mix up ( earlier today ), I immediately called customer service to request a one time waiver of overdraft fees. I spoke with XXXX XXXX, a manager, as well as others, who all said they will waive only one of the 5 separate {$35.00} fees. Given that I had not received any notices, paying 5 separate {$35.00} overdraft fees for one vendor payment seems excessive, especially since I didnt even ask them to pay the vendor in the first place. Attached further below is a screenshot of the dates and {$35.00} fees. Any help greatly appreciated!!
XXXX : Acct # XXXX showing on my credit report. 
Not my account. Account states on credit report was opened XXXX. I was born XXXX, I was XXXX. Says last reported XX/XX/XXXX. 
Amount Owed {$0.00} but wasn't mine needs to be removed. 

XXXX Account 2nd Account reflecting on credit report Acct # XXXX States Opened - XX/XX/XXXX ( I was XXXX in college, did not have credit ) Last Reported XX/XX/XXXX Balance Due - {$380.00} States there are 19 ( 90 day ) lates Maximum credit stated > {$210.00} In addition this account was charged off closed by creditor. States this underneath acct # on report. How can they continue to bill and report a charged off account trying to collect past 20 years. 

I checked to see if my dad has a credit card with XXXX in event it was his but he does not.
XXXX XXXX XXXX. First Colony Mortgage ( XXXX ) XXXX did not Relinquish the Keys to my houses which should have been done No later than XXXX XXXX, 2012 based on No matter what they are you XXXX when he or she gets the XXXX and claimed with faxes and foot step on land rule. The person is accounted for paying the XXXX from SSI and Welfare and the Direct Deposit Abduction Law is not neglected.
I never took out an ace payday loan and they keep telling me my wages will be garnish and I owe them
On XXXX XXXX, 2015 received debt letter. On XXXX XXXX, 2015 My attorney sent dispute letter asking for valid debt instrument. On XXXX XXXX, 2015 ( over a month after dispute letter XXXX received letter from debt collector sent to me. 

There was a mistake and I do not owe the debt, they continue to harass and contact me instead of working with my attorney.
XXXX XXXX, amount of {$470.00}. I have disputed this account with Experian, XXXX and XXXX as does not belong to me. XXXX and XXXX has removed this account from my credit report and Experian has not. I have contacted Experian and disputed this with Experian and have ask Experian to dispute this account and remove it as it does not belong to me. I also have sent XXXX XXXX a debt validation and XXXX XXXX has not responded at all.
my loan was in a hardship status while I went through a bankruptcy last year that discharged XX/XX/XXXX. I was unable to make the {$350.00} payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was waiting for a new tax return to come back because I also had to go through a divorce that finalized in XXXX of XXXX. I asked them if there was any way I could get an IBR that would catch up my past due so that I could make reasonable, on-time payments. They sent me the IBR that lowered my payments to {$57.00} a month. I could make those payments and also paid additional totaling a {$100.00} a month for XX/XX/XXXX, XX/XX/XXXX and going forward was the plan. They told me I had exhausted all deferment options and that the past due could not be updated and that my loan, even with the additional amount I was paying was going to default XX/XX/XXXX. I was then instructed to resubmit an IBR and if my payments were lower, they could forgive my past due. Why was this not an option the first time, I do not know, but instead my payments increased then to {$120.00} and still " no past due deferment ''. Which made my situation even worse than before. I am a single mom, with a XXXX child, other than sacrificing her care by being gone more than XXXX hours a week, I am simply unable to meet their demand for {$1300.00} past due by XX/XX/XXXX in addition to the increased payment from {$57.00} to {$120.00}. They would not allow me to cancel the last IBR request that they suggested that would help me and it only harmed my current situation. I have a student loan debt for {$30000.00} + w/an 8 % interest rate and I am XXXX years old. The degree is a travel management degree from a private school that shut down shortly after my graduation. The degree is essentially worthless because it is non-accredited, the school is non-existent. The Student Assistant Foundation in Montana has not offered any solutions that have helped, only made my situation worse and said to look forward to continued calls and even more fees after default occurs. I have asked the ombudsman for help and they offered no solution or help on their end. I feel like I am in a no win situation and soon they will garnish my wages and take my taxes every year once this default occurs. I have no faith in the system at all. I know that I can make their {$57.00} payment, and even make their {$120.00} demand but I can not simply come up with {$1300.00} by XX/XX/XXXX. I need someone to help me figure out a way, if I had n't had to file for bankruptcy and divorce all in one year, I may have had an opportunity to stay on top of this, but it was n't an option for me unfortunately.
I called  XXXX  to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,  XXXX  ) that does not belong to me.
I filed a complaint on XXXX/XXXX/XXXX against TransUnion credit bureau XXXX, For their refusal to block trade-line I have requested due to Identity Theft. I had forgotten to include a copy of the Affidavit form TransUnion implies is the only form they will accept. I want to make sure their is mounting evidence the form was filled out correctly and notarized. It was mailed back on Monday XXXX/XXXX/XXXX. Therefore TransUnion has 4 days to delete the fraud trade-line. I have forwarded all this information to the XXXX and members of XXXX. 
I would also like to place on the record that prior to my identity being stolen ; -I have NEVER missed a payment in over 25 years of having credit. 

I typically never carry a balance on my credit cards and my credit history backs this fact up. 
Therefore, for TransUnion to not recognize the clear deviation of my credit pattern over the last 25 years is more proof their investigation is reckless or no investigation was ever conducted. 
Further, it must be asked why TransUnion chooses to error on the side against the victim whereas, some harm can not be repaired. Whereas, the alternative if TransUnion had BLOCKED the requested information and then conducted a proper investigation as the law requires. Any information can always be re-added.
I am requesting monetary damages for all the violation Shellpoint has committed since taking over the servicing rights from  XXXX  back in  XXXX  of 2016. Since then, Shellpoint has mismanaged my loan account and failed to apply payments towards my mortgage PITI but instead, they have been applying to illegal fees and letting the funds to sit in the unapplied account instead of applying towards my loan balance. Please see the attached complaint.
I submitted an investigation request onXX/XX/XXXX. More than 30 days have gone by, and I have yet to receive the results of my credit investigations.
I received a letter from my employer today stating that an order for wage garnishments has been processed for a defaulted student loan through ECMC. This was a great surprise because the last time I spoke with a representative from this company was on  XXXX / XXXX / 17  when I made a request to be communicated with in writing/by mail about a resolution for this matter. I have kept a record of letters I have sent and received in an attempt to get this debt validated and to request a payment plan if this debt belongs to  me. ECMC was not willing to work with me, the debt they claim is mine has not been fully validated and they have yet to provide me with a promissory note. I was not given proper notice that this process was even happening, yet   in one to two pay periods they are demanding that my first employer in almost two years garnish 15 % of my wages after only being employed for three months. I was never notified of the issuance of this order and the law requires a thirty day notice from what I read in a letter from my employer. Not only that but I was not given an opportunity to contest the withholdings, nor was I informed of my rights in regards to the wage garnishment process. I was not given a n opportunity to make any arrangements so that this order could be avoided.
XX/XX/XXXXThe following company, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX, purchased my student loan debt which has been contested in its entirety since XX/XX/XXXX. XXXX XXXX XXXX , XXXX calls my residence daily in violation of certified letter sent to the them back in XX/XX/XXXX. Furthermore, the company, along with all previous collectors including the original debtor has violated, at minimum, my rights under the American Disabilities Act and US Constitutions Equal Protection Clause. XXXX XXXX, XXXX.threatens to excise fees over a disputed debt which they have been aware of since XX/XX/XXXX.
I have no knowledge of this debt collection. I have never received any notice or anything regarding this collection from this company. This debt is not mine
I looked at my XXXX report and noticed that Equifax had some negative reportinging on my credit file. I wrote Equifax a letter and asked them for verifacation of the accounts and they never responded, that was in XXXX. They did not respond until XXXX I had to send another letter to get them to respond. Since they were well past the 30 day response time which is stated in the FCRA they had to delete all of the accounts that were in the original letter but thet did not. I have sent them additional certified lletters with affidavids to no avail, they just continue breaking the FCRA. Please make them adhere to the federal law and delete the accounts that I disputed in XXXX. Please see all of the documents that I have sent Equifax. They are not above the law! 

Thanks, XXXX XXXX
XXXX XXXX XXXX is still showing the last payment made wrong. The last payment was made on XXXX XXXX but they are reporting that the last payment was made on XXXX XXXX. I have already contacted XXXX XXXX XXXX and Transunion but nothing has changed. I had a XXXX in XXXX and was XXXX and lost my job. There is no way that I was able to pay the mortgage during the time I was admitted in the hospital. I asked XXXX XXXX XXXX to send me any kind of proof like a cancelled check showing that a payment was made in XXXX XXXX but no one has answered my request. I think someone else sent in a payment and possibly my account was applied this payment by mistake.
I was issued a debit card from XXXX/Bank of America. Card was credited by XXXX in Michigan for approx {$990.00} on XX/XX/XXXX 2 times = approx {$2000.00} in credits. A charge for {$1800.00} was made to somewhere in the XXXX. Bank adjusted so all was ok. On XX/XX/XXXX ( after card was suspended ) called BOA , letting them know card was again credited another {$990.00}. Was to be taken care of and on XX/XX/XXXX those XXXX charges were reversed and now I owe over {$2700.00}! Bank refuses to handle situation so I can get MY {$240.00} out.
This company continues to contact me at work after I have indicated that I should not be contacted at work. 

I requested all contact be in writing but they continue to call. 

At first it was a male calling me and I informed him I would contact the doctor 's office and he told me people like me was causing this doctor to almost have to close his doors because we refuse to pay our bills. Again I told him I would call the doctor and he said the doctor 's office did not want to talk to me. This is ridiculous considering I do n't owe this company anything.