WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortgage loan with XXXX  XXXX XXXX, in XX/XX/XXXX XXXX XXXX XXXX claimed I owed them escrow money regardless of all the proof I have sent them showing all my payments. In XX/XX/XXXX I hired an attorney to represent me and we went to court 6 times, each time XXXX XXXX XXXX failing to have any proof of there claims. While this claim was active, XXXX XXXX XXXX sold my mortgage loan to Seterus. On XX/XX/XXXX we went to court with XXXX XXXX XXXX and Seterus lawyers, and XXXX XXXX XXXX agreed that date that my mortgage loan should be in good standing and should be reinstated because they could not prove their claim against me and I came with all my proof of all my payments. XXXX XXXX XXXX paid almost {$30000.00} to Seterus for the false claim and to bring my account into good standing being that they made a mistake and I did not owe any money ( XX/XX/XXXX ). My first payment to Seterus was on XX/XX/XXXX and I have made every payment thereafter. In XX/XX/XXXX Seterus sends me a letter saying that I owe them almost {$10000.00} in escrow. This is the exact same thing XXXX  XXXX XXXX was doing. I have made numerous attempts to ask for an explanation and they can never provide one for me. I was supposed to refinance my house for a lower rate with another mortgage company, and I lost the deal because of this disaster. I told Seterus I want to close my escrow account and I want to pay my taxes on my own but they will not allow me to do it because my account is delinquent. This has taken such an emotional toll on me and my family, me and my wife are senior citizens on a budget who have lived in this home for over 40 years and we are now being discriminated against by Seterus because we are immigrants. They take complete advantage of our accents and play us for stupid. I have all the proof of all my payments, I am just trying to save my home, please help!
I had a car loan for several years and the interest they charged had me owing almost the same amount getting no where paying {$400.00} a month several years. I was in an XXXX marriage and he forced me to give the car back so I did. I returned the car about 6 years ago. They called harassing me for one year and then decided to take me to court. I was unable to get to court and lost. They tried to garnish my wages and I showed the judge I was very poor so he denied them that.

My problem is on my credit report they show it just happened 2 years ago. I have been trying to fix my credit after losing everything but I can't even buy a car because it looks like it recently happened.

I have court papers from when they finally took me to court saying that was XX/XX/2014 but I don't have anything to prove its been 6 years. Either way they are out to hurt me anyway by reporting it the way they do. I called once and the person laughed and said next time you will think twice before not paying your debt. 
I never would have not paid had I been able to pay the loan however I never got anywhere after 3 years. 
Is there anything I can do or a way to at least have them report it correctly? If not I am not sure how I can ever fix my credit.
Contacted Bank of America and provided a police report as well concerning the identity theft that occurred. Bank of America WILL NOT PROVIDE me with my signature nor where this app was done and filled out at. They are a bank that people really need to not do business with.
Despite being supplied information to the contrary, Ditech Financial LLC continues to attempt collection of a debt that was defaulted on by the original creditor. Ditech Financial LLC continues to report this debt to ALL major consumer reporting agencies. 
This debt was previously held by XXXX XXXX XXXX XXXX and it was extinguished in XXXX XXXX Case XXXX. ( Documentation attached XXXX Ditech Financial LLC has been emailed these details by our attorney, yet still persists.
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT ( DSNB AMERICAN EXPRESS ) IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THIS TRANSACTION. THIS HAPPENED BECAUSE OF IDENTITY THEFT.
I reached out to Equifax in regards to some inquiries on my credit that I did not authorize and I also have a fraud alert on my account. I froze my account as well because of identity theft. I wrote them asking to remove the inquires and they responding telling me that they will not erase them because all companies does n't have to necessarily have my consent or my signature to pull my credit. This is really bothering me because I cant get approve for lines of credit that I need or some jobs have turned me away as well because of my credit issues. The items that I disputed are in fact in error. I did n't request any of them. I 've spoken with a few of the companies and they said its nothing they can do because its not an account, its just an inquiry. Having XXXX inquires that are n't yours affect you majorly and I am a single parent of XXXX trying to build and maintain my credit so that I can provide for my household. This is stressful. I 've called and written letters for them to respond the exact way. This is very distasteful and they act like its nothing that can be done and they do n't care to listen, read or help you in any way.
I went to US Bank to get a home equity line and the appraisal was completely botched. I mean they used comps that were a year old and average prices for my zip code were up 13.7 % versus last year. It appears that the appraiser was completely incompetent or the lending department gave him instructions on a number to come in at.
Re : Experian Dear Experian, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrect. My name is spelled only one way XXXX XXXX XXXX. My address of 25 years is XXXX XXXX XXXX XXXX XXXX, FL XXXX. I request that any address other that the above-mention be deleted. They are associated with crime ( s ) of identity-theft. You were also sent a copies of a sworn identity-theft affidavit and identity-theft report filed with the federal trade commission. However, these inaccuracies still remains on my credit reports which is a violation of THE FAIR CREDIT REPORTING ACT in which states that the reporting of inaccurate information shall be deemed as a violation. These addresses and misspellings of my name prohibit me from verifying my true identity with creditors. I have exhausted all remedies failure to comply shall lead to litigation.
I 've been sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while I lived XXXX. I lived in XXXX XXXX for 3 years, XXXX, after I retired from active military service. I moved back to XXXX XX/XX/XXXX, for medical treatment. I was not properly notified, the debt is 7 years old, passed the statute of limitations XX/XX/XXXX as well as in XXXX XXXX. The funds are exempt from collection, ( social security for XXXX, veteran compensation, ). XXXX XXXX, XXXX is the collection company in the states, represented by XXXX attorneys & counselors at law in XXXX XXXX. I am a XXXX veteran, if forced to attend to court in XXXX XXXX will require me to acquire great deal of expenses to include, travel with my caregiver, car rental, lodging, creating an unnecessary financial and mental burden. Causing me physical and mental distress.
I am a widow. Seterus is preventing me to assume the mortgage loan to avoid foreclosure. XXXX helped me file a complaint with CFPB, but CFPB said I had to file the complaint myself, case number : XXXX. I have faxed Seterus the original deed, wedding certificate and death certificate. Seterus keeps telling me to go trhough probate. I 've been informed that under the federal code regulations and XXXX 's guidelines, Seterus is supposed to speak to me and allow me to assume the loan. They are going to take my house and no one seems to care. I have already lost my husband, and my son, I am trying to keep the last thing I still have. Please help me.
Good afternoon I am writing to file a complaint about XXXX XXXX credit card. I have two XXXX XXXX credit cards. I am very frustrated with there credit reporting. I have mad multiple disputes about showing two late payments for the same two months on both of my cards which is inaccurate and I also just paid off these cards and one card showed the balance went to {$0.00} after I paid it then two days later back up to {$310.00}. Their credit reporting is very inaccurate and frustrating and is hurting me as a consumer damaging my credit for their inaccuracies that they will have yet to fix multiple disputes later. I would like my balance to show my REAL balance of {$0.00} since I paid them off and to remove the two late payments off of both my credits cards right away.
Macys turned my account over to a collections agency however my current account is not nor has ever been over due. I requested a replacement credit card when mine was lost in the mail XX/XX/2015. When Macys sent me my new card they actually created a new account and did not sync my old account balance with the new one, I was not informed of this policy which I am told is for security purposes. There was a outstanding balance of XXXX dollars on my old account that I was completely unaware of. I was getting statements for my new account and did not know that I had an old account that was becoming more and more delinquent. I never received a bill or a phone call regarding the old account. It is now reflecting on my credit report. My husband and I are trying to refinance our house and this is making it difficult. I spent 2 hours on the phone with Macys only to be shuffled around to XXXX different departments who couldnt and wouldnt help me. I was told to call the collections agency even after they admitted it was an error on their end. I am currently taking care of my grandmother who has XXXX and can not waste my time on the phone with collections agents especially when their is no error on my end. I need help dealing with this because I am getting the runaround and no one seems to know how to handle this. I have done nothing wrong other than trust that when I was issued a replacement card Macys would do their jobs correctly and provide me with my correct and current account information.
I have had an existing loan with CCO Mortgage ( https : //www.citizensone.com ). They have repeated ignored my attempts to refinance my mortgage. My interest rate is so high ( 8.125 % ) and it is causing stress on my monthly finances. They do not want to touch my loan b/c they are getting such a good deal for the bank. The loan was taken out in 2005 and is a XXXX trust. All they tell me is they ca n't help me b/c it 's a XXXX loan. They are not helpful and they do not ever try to assist me in my re-fi efforts. I have tried to combine my XXXX and XXXX trust loans with them but they still do not call me back or offer any guidance. I would like to report them for being abusive with an existing customer and taking advantage of my situation.
On XXXX XXXX, 2016, I paid a bill to ( what I thought ) fedloan.org from my XXXX XXXX XXXX. Turns out the payment went to Navient Servicing with account number XXXX. XXXX ( subcontractor to XXXX ) made calls to Navient whereas they assured XXXX that the payment would have been transferred approximately 4 business days ago. On this day, the payment is still in limbo with Navient.
Starting on XX/XX/XXXX, my purse was stolen along will all my bank account information ( checks, credit cards for me and my husband 's wallet, and bank cards ) when I reported the fraud I was not told that I should have closed all the accounts and that by shutting down the cards was what I needed to do. So as the fraud charges were coming in I was reporting them as new fraud instead of part of the initial fraus case. Then I spoke to a supervisor who called me regarding all the open cases, and she said that I was misinformed and should have closed the accounts. When I opened the new account it was only one of them, because I get direct deposit we left it opened so the fraud credits would be returned and my direct deposit was going to be redirected to the new one. However, the old account was going to be left open so everything would be resolved and if something happened and I owed money I would be able to pay when I got my big check in XX/XX/XXXX on or before XX/XX/XXXX. Somehow the acct got closed and sent to collections. On XX/XX/XXXX Chase transferred {$130.00} or {$130.00} to the closed acct without notifying me and besides that there was already a verbal agreement for payment should there be one needed. Now today I went to transfer money from my savings account which had XXXX in it to my acct ending XXXX which because XXXX   XXXX XXXX took {$150.00} instead of {$110.00}, making it overdrawn. I have not had a chance to call them yet. I have I guess now lost my accounts with chase ( today ) but must have the {$50.00} in the savings acct and the transfer that should have never taken place today. We live on a budget, Chase made these mistakes I should NOT have to pay for them!! 
You guys have treated me terribly since the start of this!! 
Contact me immediately please XXXX XXXX XXXX
Chase holds my loan on my home at XXXX XXXX XXXX XXXX XXXX CA XXXX and is forcing me to pay PMI on the home even though I owe significantly less than the 80 % loan to value on my hiome since I first purchased the home. I requested the PMI be removed and Chase required me to pay {$100.00} to have a BPO performed to reassess the value of the home. The BPO came back showing the home went up in value showing my loan to value was below 70 % and Chase sent me a letter refusing to remove the PMI from my mortgage. This is ridiculous I am very dissatisfied with what they are doing. There is no reason for me to be charged my home was appraised at {$440000.00} and I only owe {$310000.00} placing me at a 70.92 % loan to value. I want this removed immediately, I repainted and retiled among other things I did to the house and what Chase is doing is immoral and plain wrong. I spoke to XXXX in the PMI department and she tried to tell me I had to be below 75 % loan to value and when I showed her I clearly was she then said I didn't make improvements and when I stated I did she went on and on telling me they would not remove the PMI. This is wrong on so many levels
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX  XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$3000.00} REV {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX CUR WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but XXXX  and Experian will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!
None of the options above fit my complaint ( had to pick one ). BC Services debt collectors, used my name on a message to get me to call them, and then when I called the representative asked about a debt for some one else, who I do not know! When the representative looked at some info. after I confirmed my phone number, she said there is some information about you. I said what info. and she said I need your DOB. I said I would not give her any more info., as her company called me. 

She said, then we will send this in the mail. I said what info. are you talking about. She said, I need your DOB in order to give that info. to you. Again, I said you called me. Conversation ended, and to say the least, the tactics and practice used by this debt collector is not acceptable. 

Do n't use my name and then make it sound like you have some dirt on me in order to get me to give you more information!!
After a recent review of my credit report I noticed that there are  inquiries ( aut omobile dealers ) that I did not authorize. I contacted  XXXX ,   XXXX   and Equifax of this issue on m ore than one occasio n and to date still no resolution. I am aware that inquiries are to tell if you qualify for an account and I have no current account regarding an automobile with none other than  XXXX   XXXX  and  XXXX . As a consumer I am disappointed in the fact that this could not be resolved directly and I was left to file this formal complaint. Please remove all automobile inquiries exce pt the two m entioned prior.
This morning, starting at XXXX, they called me 16 times. The last call at XXXX. ( I took screen shots of the calls ) That is harassment. They call all the time anyway, at least 2-4 times a day. 
I called them once and asked them to prove the debt is mine and they have never provided me the proof.
This company does not and will never have my consent to have access and store personal and private information that belongs only to myself. This is a direct violation of state and federal privacy laws as well as unconstitutional. I demand all information pertaining to myself be removed or I will pursue legal class action suit against this company.
I have repeatedly told KeyBank I do not want overdraft protection. Recently, my account was garnished and was taken, unexpectedly, to XXXX. Two charges, one for {$10.00} and one for {$8.00}, came in while the balance was XXXX ( I live in the mountains, 45 minutes drive from the nearest branch , drive a gigantic truck which eats gas, and can't simply stop by to deposit more ). 

Not only did KeyBank put the charges through when they should not have, but then they charged me a total of {$95.00} in fees. 

That's {$97.00} in fees for {$18.00} would for charges. That's {$48.00} per overdraft - that I DID NOT AUTHORIZE.
On XX/XX/XXXX I received XXXX letters from Weltman Weinberg an dReis based in XXXX. I reside in XXXX. The leters noted that I had student loan that totaled approximately {$19000.00} and that the original debtor wanted the money in full and now. I spoke with a lady named XXXX. She went on to note that she really was not concerned with me it was my mother who was the cosigner XX/XX/XXXX that she was after. She noted that she would settle for {$16000.00}. I asked to make payments and she continued to note that she need the full payment of the settlement. She went on to note that she had spoken with my mother on Wednesday who is XXXX years od and with failing health problems. She noted that my mother told her she did not know about any loans. She went on to tell my mother to go to the police station according to my mother and sign papers on me for forging her signnature and she would send her the papers. However she went on to tell me that as we were speaking she was processing the paperwork with the police department to have me arrested. I again asked for a installments of at least $ XXXX {$150.00} per month until paid in full and allowing her to draw a contact that if I miss a pyment all moneies become due in full but thsi was not an option.
Equifax has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and was reported as such on all XXXX reports. Upon a credit pull today I see this status has been changed. This account was paid IN FULL.
My husband passed away XX/XX/XXXX and had a mortgage with XXXX XXXX XXXX. I became the executor to his estate and my son XXXX resides in the home. We had trouble paying the debt and got behind. We met with a housing counselor, XXXX XXXX in XX/XX/XXXX. In the process or sending documents to XXXX  XXXX XXXX for a loan modification/assumption, the servicing changed to Fay Servicing. We again with our housing counselor sent another package to the new servicer Fay Servicing in XX/XX/XXXX. We have been sending them everything from the copy of the death certificate, copy of marriage licence, copy of the will, copies of probate, copy of deeds and a third party authorization for our housing counselor. As of today, we still can not get anyone to communicate with us as we only receive copies of bills in the mail. We have been calling them every other week at least and get the same answer, they can not speak to us and they say our account manager is never available.
XXXX and XXXX have hacked my computer due to unknown reason and they are holding my computer for ransom They refused to let me use it Ive had to change five computers Ive spent over {$5000.00} and getting my security up to par