WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a credit card account with TD bank since XXXX XXXX and and have always paid on time. I went through a nasty divorce and had to put a restraining order on my husband in XXXX XXXX. He refused to pay the bills unless I let him back in. He was the only source of income. Therefore I had medical bills go in collections, a judgment placed against me, a credit card that went into a charged off account yet I always managed to pay TD Bank. I was late only XXXX time with them. I was able to pay off the credit card a few months back after my divorce and had to use it again in XXXX. I had a {$10000.00} credit line with them and they all of a sudden dropped it down to {$6500.00}. Stating I had bad credit, a judgment, etc ... .when I had that for 2 years prior going through my divorce. My late payment as well being in XXXX. Ive been paying the card in a timely matter, sometimes making XXXX payments a month on it. I had a checking account with a large sum of of money with them that I had to withdrawal just prior to them knocking my credit down. I had to make a wire transfer to my lawyers for the house I was purchasing. Which left the account almost empty. I find it very coincidental that they lowered my credit right after I did that. My late payment with them was in XXXX. Its XXXX and I have n't paid late once after that. I even pay more then my required payments.
Helvey and assoicateds is trying to collect on a debt from XXXX that is incorrect. I stated this from my first cal with them and requested proof of the debt. They sent me over a ledger that clearly shows the last two months of service of being estimated and not an actual meter reading. This is being reported on my credit reports and should n't be as it is not a verified amount. The agent on the phone said I need to call consumers myself to handle this. If that is the case they should n't be allowed to be reporting something that they themselves do n't know if it is correct.
In XXXX XXXX, I asked XXXX XXXX XXXX of XXXX XXXX, preside on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas to represent me in a divorce case against my now ex-husband. I signed a contract with her, with her promise to do accordingly. But by XXXX, when the final decree was submitted into the court from my ex-husband, XXXX XXXX had not noticed nor notified me because she had failed to keep track of my case at all. Every time I texted or called, it took at least 3 days or a week before I got her answer, and that was because she was my client at the XXXX I worked at, so when I saw her at her appointment time, and cornered her, i got your case is fine. This had been the face of our working relationship on this whole case the whole time. In XXXX XXXX, the case was finalized without her knowledge and mine. When i pressed her, asking that i wanted my case to be done by XXXX, she said my ex-husband had never responded to her. Turned out, she had never sent anything to him per court log. I pressed and she sent in a jacked up decree which she plastered my name on the front page, and someone elses information in the back, and called it work. So she did not send me a copy like she promised, and at this point, the case was already done! In XXXX, i had another attorney looked into it and discovered this whole scam. I texted and called which she did not answer. I even asked her daughter to tell her to contact me, at which, she did not even answer. I asked Chase bank to get my money back, which I paid with check and debit cards. They said they could not because on the contract said all fees are non-refundable. So i ask you, even when i signed a contract, but if the person refused to do the work, I would still have to pay her? Chase did not have their customers interest at their heart, and did not even try, especially when I have all the proofs that she did not deserve the money. It is my hard-earned money, and my wrongly placed trust. In a million year, I would never thought a person I knew for almost 10 years would do such a thing to me.
My mortgage loan was transferred from XXXX XXXX XXXX to Nationstar Mortgage. I did not receive notification of this transfer until after I made a {$980.00} mortgage payment to XXXX for my XXXX 2015 payment. When I set up my new Nationstar Mortgage account, I noticed that my payment to XXXX had not been applied to my Nationstar Mortgage account and my account was showing as not paid. I paid Nationstar Mortgage another {$980.00} so that my account would be paid with Nationstar within the 15 day grace period and would not be hit with late fees or result in a negative credit report from Nationstar. The transfer letter that I received from Nationstar stated that XXXX would forward the payment to Nationstar ( XXXX # XXXX / my Nationstar mortgage # XXXX ). XXXX XXXX XXXX XXXX # : XXXX / my XXXX mortgage # XXXX ) has not forwarded that payment. 
I have been defrauded by both Nationstar and XXXX in what appear to be a scheme putting me in a situation where I am forced to pay XXXX mortgage payments for 1 month. 
As I see it, XXXX has defrauded me out of {$980.00} by accepting my payment, knowing that my loan had been transferred to Nationstar, and then failing to forward that payment to Nationstar which resulted in my having to pay Nationstar an additional {$980.00}.
I recently received notice that due to inactivity of my account. The lender plans on closing out the account on XX/XX/2016. I've been planning to soon refinance my home however if they take this action. This will negatively impact my current Fico score in turn financially hurting me. The better my score the better my rate. I have never misused or been late with any of my accounts and I have many.
1. On the credit report from XXXX, there is a " collection '' record from EASTERN ACCOUNT SYSTEM. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XX/XX/XXXX. 2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3. OnXX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX  in XXXX CT with proof of check image attached.

4. The credit report is incorrectly showing " Failed to Pay '' on XX/XX/XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX in XX/XX/XXXX 5. An online dispute was submitted to XXXX  to correct this. However, XXXX did not make the proper correction and still shows this collection record and " FAILED TO PAY '' in current credit report 6. A email was sent to EASTERN ACCOUNT SYSTEM requesting correction. No response was ever received.

7. Called XXXX XXXX XXXX  Office and was promised to correct the record but it never happened.

8. A mortgage loan was rejected from XXXX XXXX XXXX  in XX/XX/XXXX due to the false record of collections showed inXX/XX/XXXX
My wife and I recently closed on a mortgage loan that was approved by, and will be sold to Wells Fargo. The property address is XXXX, in XXXX was originally pre-approved by Wells ( XXXX office ) for an {$800000.00} loan on an single family residence, without considering my wife 's income. However, my broker determined that we would not meet Wells Fargo 's DTI requirements for the mortgage we needed of {$630000.00}. WIth the HOA, the monthly payments were slightly less than the payments on the {$800000.00} loan that we were pre-approved. We were confused how we had been pre-approved. So we applied jointly, and our DTI was well below any applicable DTI thresholds. ( Despite the amount being within XXXX limits, this would be a non-conforming loan because of my alimony situation. ) However, my wife ( XXXX ) is not going to make the move from XXXX to XXXX until several months after me ; she would visit on some weekends. Based on this information, our broker was told that Wells Fargo was going to deny us our mortgage application, simply because we were going to live apart for a few months, until she was going to be able to get her XXXX medical license and a position in XXXX. Finally, when our underwriter was able to get some limited information from Wells underwriting, he was told that it could n't be approved because it would be a first residence for me, and a second residence for her, and Wells does n't have a box to fit that combination in. 

Finally, we were offered a mortgage if we treated the property as an investment property. We agreed, because, otherwise it put our purchase and initial escrow down payment in jeopardy. Of course, this had implications, such as the need to put down 40 %, instead of 30 %, and increasing the interest rate by over XXXX basis points. 

Finally, when I was signing the papers for the close of escrow, I was effectively forced to lie ; I signed the form that stated that we were purchasing the property as an investment property, and would not occupy the residence, despite the fact that I am moving into the home within a month of closing. 

Although our original pre-approval came from Wells Fargo, our dealings were direct with a broker, XXXX/XXXX. However, due to my alimony situation, they were only dealing with Wells Fargo, as they had a non-conforming loan that met our needs.
i see i have 3 hard inquiries for credit. 3 are from XXXX XXXX, another that just showed up whith XXXX just recently and 1 with a personal loan. i keep track of my credit as i'm trying to get it up where it belongs. something is seriously wrong when someone can get your info n apply for loans n it shows on your report. as of now i have fair to good credit. but i tried getting these fraudulent inquiries n have no way of removing them. also when you are told it will be a soft pull some companies do a hard pull trying to get you into a hi interest loan which i will not do. i can go to my own bank n get what i need for credit.
Received a voice mail from an XXXX XXXX stating she was from XXXX XXXX XXXX XXXX. Said she had a summons to deliver to me and would be there Friday morning between XXXX and XXXX and wanted to be sure I was there. Also called my mother and demanded she contact me. My mother said please do not call her she was told they have every right to call as she was listed as a reference and the only person who could take her off would be me. I called th number given in the voice mail XXXX XXXX XXXX. I was transferred to a man who refused to tell me what this was about and told me he will continue to call my mother as he has every legal right to. Told me that he understood it would be hard for me to understand since XXXX XXXX has XXXX of the lowest XXXX 's in the nation. Said I was a XXXX debtor and he was sure I was getting calls from other people because I was XXXX and I didnt pay my bills. I asked what this was in regards to he said we just need to know if you will be home Friday cause we have been there before and no one was home. Told him they have called me before and he said that was a lie and that I was a liar. I asked him again what this was in reference to he refused to tell me. He continued to berate me and call me XXXX and a low life etc. This is clearly a debt collector and the number is registered to XXXX XXXX. If this was a legit legal issue there would have been a local number and the address they are trying to serve me at isnt my current address it is my ex-husbands house. If it was XXXX XXXX County they would know my address. My ex works from home and said no one has ever been there before and said this is a scam and to report it.
XX/XX/XXXX account became delinquent with XXXX XXXX XXXX ( timeshare ). Account was given to XXXX XXXX. According to a debt lawyer, because XXXX XXXX is not the orginial debtor they have no authority to report the account delinquent each month. They are only authorized to report 1 time as being delinquent one time which was in XX/XX/XXXX. Also, i paid capital one auto finance off back in XX/XX/XXXX. Paid in full. They reporting the account as charge off and paid in full and a chargeoff with a XXXX balance,
we have been trying to refiance since last XXXX.we sent in everything that they requested from us, now today I get a letter stating that since I have not been late with my payment of which is XXXX every month at XXXX interest rate that I do n't gualify we liveon a fixed income of pension from my husband and social security for XXXX us besides we have XXXX mortgage the second is XXXX so I pay every month XXXX every month besides our every month bills all I want is to reduce our interest so we can survive a little better we ca n't get help from harp and XXXX act of which I do n't understand why please can you help us XXXX.
It is unjust that 3 businesses can have access to such personal and potentially damaging information such as my Social Security Number, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX  THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
# 1 Bank Name XXXX sold out but have title to home, And rolled over to a new Bank name Of Green Tree # 2 Bank name Change out to new name to Ditech I have pay very High interests Rate 8.99 % maybe to much
In the dispute results of report XXXX-XXXX-XXXX for XX/XX/18, you stated in writing that you stated in writing that the following collection item was verified : XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MS. XXXX ( XXXX ) XXXX-XXXX for the amount of {$1000.00}. The license of the aforementioned collection agency is expired ( see attachments ). Debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( https : //www.experian.comXXXX  ) during the initial dispute process Experian should have contacted XXXX XXXX  XXXX about the information disputed, instructed XXXX XXXX XXXX to review my dispute, to verify all information reported, provide Experian a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Experian by XXXX XXXX XXXX is INVALID. Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.
They Keep calling my mother numerous times a day & blowing up her phone constantly. They are also repeatedly calling my number & now trying to use a local number for me to answer! I do n't know who this company is. NEVER received a letter stating about this debt AND ITS NOT ON MY CREDIT REPORT. PLEASE REPORT THIS!
This company constantly call multiple times through out the day. They also make phone call before XXXX. This has been a constant problem
I have a hard inquiry on my credit report dated XX/XX/2017 from CBNA. I don't know who this is or why it is on my report.
XX/XX/XXXX I purchased internet and TV services from XXXX XXXX XXXX. After a series of problems, and incorrect charges I decided to end the service with them and completely cancel. The connection to the services at home was never done. For this reason i continue to get charged and now have Sunrise Credit Services trying to collect the debt. I have made over 30 calls to XXXX XXXX XXXX and spoken with many managers. They have all said they have resolved the issue but still continue to get charged for the service they did not render. I continuously call XXXX XXXX XXXX representatives to get it fixed but still have not had any resolve. As a result my credit score can be affected. XXXX XXXX XXXX has claimed that it is an error that they committed but I still continue to have this problem.
I called Navient back in XXXX XXXX and informed them to activate my loans so I could file for Income-Based Repayment and start repaying. They informed me that it would take six months for my loans to become active. It is XXXX XXXX, and my loans are still inactive. According to the website, my loans wo n't be active until XXXX. I feel as if I have been mislead and Navient purposefully left my loans inactive such that they could continue to accrue daily interest.
Wells Fargo charged off my student loan in error two years in a row. I tried to resolve this with Wells Fargo for over a year.
Incorrect information regarding an account was listed on my credit reports from all XXXX agencies. I filed disputes, shortly after XXXX and XXXX both made a correction and the account is now in good standing. After repeated attempts with Experian, they have not corrected the issue. Experian lists the account as negative despite being provided the proper documents. They have also failed to provide a description of how they processed my dispute, which I requested per my rights. 
This is the verbiage of my dispute to Experian : " This account relates to a dispute with the XXXX in XXXX that was resolved in XXXX. The XXXX claimed I had a past due ( in collection ) and I claimed I was owed because of overpayment. The XXXX conducted an audit and determined that I was indeed owed the same amount they claimed that I was in arrears. I received a refund in XX/XX/XXXX. I have included copies of the audit and refund documents. Can you please update the negative account in my credit report? Thank you. '' I have attached documents clearly showing the account should never been in collections XX/XX/XXXX. Please disregard the yellow highlight on one of the docs as that was for another matter. 
Thank you CFPB! 
XXXX XXXX
XX/XX/XXXX I am in the process of doing a loan modification which had a deadline XX/XX/XXXX.I sent in all the documents and was told by an agent on XX/XX/XXXX, that all they needed was a Profit and loss signed and dated by me.I immediately mailed it by XXXX XXXX on XX/XX/XXXX expecting that that was all they needed I also uploaded all the documents on their website .I then get a letter on XX/XX/XXXX that the file has been closed because they did not receive my Business Bank Statements and my XX/XX/XXXX Tax returns by XXXX Agent # XXXX.I was told in the beginning that all they needed were my personal Bank Statements and XX/XX/XXXX and XX/XX/XXXX Tax returns which I already sent .This is total neglect, unfair and inefficient. 
You cant tell a client you received all his documents except the P & L and then close the application, because you did not receive other documents.

I am fighting tooth and nail to keep my house and I am dealing with people that make you feel like you are a mouse being held by their tail, in front of a hungry cat.Please make sure Flagstar rectifies their situation in dealing with me.I am going to send them the other documents by email and mail, they requested, but please make sure the application is reopened and I am treated fairly and justly in my application in this loan modification.
XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.
A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score.  Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.