WillisBack/dataset-financial-user-claim huggingface dataset:
I lost my job about 4 years ago. I got behind on my mortgage with US Bank Home Mortgage. I went through all the steps to do a loan modification which was never granted. I am now trying to short sale my house and my house has been on the market since XXXX 2015. At the request of my relationship manager, I again prepared documents for loan modification in XXXX. During this time I never heard a word about the documents being approved. I left numerous voicemails and sent emails with no reply. Now my relationship manager, in XXXX, tells me he never received my paperwork. I provided the email where it was sent to him. He apologized and said I would have to prepare the paperwork AGAIN. During this conversation he begins to tell my that my house is in foreclosure which he has failed to tell me in the past when I have talked to him. US Bank sent their asset manager to my house to change the locks and make sure it is secure since I have moved out during this time. Now, it is for sale and I have a real estate agent who is showing the house and have an offer that has been submitted to US Bank. I check on the house about every week and XXXX day I go inside and the back door has been removed from the hinges and my stove is gone. All my cabinets have been gone through. My house was left unsecured for over a week. When I call my relationship manager, of course I have to leave a frantic voicemail about the house being unsecured and the stove missing. I was told that the reason the locks were changed was so that US Bank would know the house was secure. I got a return phone call 2 days later which I could not answer at the time because I was in a meeting at work. I have since returned the call with no response. My relationship manager is the WORST customer service rep I have ever dealt with. Since then I myself have fixed the back door and secured the house out of my own pocket.
I filed bankruptcy last year and the debt has been discharged since around XXXX, yet the title loan comapny continue to call and threaten and send letters. My lawyer has talked to them and explained that I have filed and that the debt has been discharged, they already knew but tried to lie and say the case was closed not discharged. My lawyers office also faxed them papers ( again ) proving that they debt was discharged in the bankruptcy. They took the car, finally like they should have done months ago, but now are sending letters that I have to pay them whats left on the loan once its sold. They would n't take the car until my lawyer had to contact them, they had been trying to threaten me with a tow charge whether I dropped it off or not. The company is mid american title loans in XXXX mo.
Good Evening My mortgage is with NationStar Mortgage located in XXXX Texas. I have always paid my property taxes on my own, and then all of a sudden NationStar decided to create an escrow account and wants to charge me another XXXX dollars a month ( completely unacceptable ). I have called and sent them numerous secure messages, but they are giving me the runaround. As you can imagine, this is hurting my credit severely and I need your help resolving this issue ASAP.
I have four accounts with Toyota financial and I always call and make my payments over the phone and when I called I provide the representative with my Social Security number and I told them that I have four accounts with Toyota financial and I would like to make a payment on all of them. 
After doing so Toyota financial reported me 30 days late on one of my vehicles payments. 
I spoke with TOYOTA financial they informed me that they have a copy of the phone call which clearly states that when I call I indicated to the representative that I had for accounts and I would like to make a payment on all four accounts that day three payments were made one payment Was overlooked by representative and my credit was destroyed because of this Im in the process of purchasing a house and my score went down by 84 % because of a 30 day late payment reported by Toyota financial. 
Please help me to fix this and remove that late payment from my credit report they have reported inaccurately they failed to complete their investigation they failed to contact me. 

Thank you very much for your help.
Hello, Wells Fargo is incorrectly reporting a missed/ late payment on my loan account with them. One month I've paid my monthly dues in one of the local branch, and something went wrong on their side that didn't register the payment, although money from my account was withdrawn. I've contacted Wells Fargo and they did admit to their mistake. They've taken care of the late fee and were going to send me some papers to sign and send back, but I haven't received anything as of today. Every time I try to reach out they keep telling me about some paper to sign but this run around has been going around for almost a year now and this is affecting my credit score for way to long.
My wife and i purchased a home that was originated through a local lender. We closed on said loan XXXX XXXX XXXX. Upon closing, we were advised to provide our 1st payment ( due XXXX XXXX XXXX ) to the originating lender. On XXXX XXXX, we provided the first payment to the lender, whereas by letter dated XXXX XXXX XXXX, we were advised the loan had been transferred to Freedom Mortgage ( " Freedom '' ). On XXXX XXXX XXXX, i received a call from Freedom that our payment was past due. I explained to the collector that the payment was made to the originating lender. I then called the originating lender who informed me the payment was not cashed by them yet sent directly to Freedom. I checked my bank records and the payment was negotiated with an endorsement to Freedom on XXXX XXXX. I called Freedom and notified them of same along with providing evidence the payment was negotiated by them. The Collector adamantly stated the payment was not made to Freedom. Once again, i informed the collector " ... your firm cashed the check and you have evidence of same ... '' The collector stated further research is needed. I asked if you have not applied my funds to the account, where did they go? No response, other than, they need to check. While on vacation last week ( XXXX XXXX XXXX ), i received another call from Freedom seeking to collect funds already provided to them. I advised them to not call me anymore and find my payment. During same call, we made the XXXX payment over the phone.
I have debt that the company Alliance One is trying to collect from me. They sent me a letter regarding the debt stating to call them to set up a payment plan agreement, i then called and they stated they dont do payment arrangements and that they wanted the whole debt paid off or they will pursue legal ways to deal with me. I then asked to speak to a supervisor seeing that this wasnt right in how they are treating people. After futher looking into the debt that they are trying to collect from me, its to old of debt back from XX/XX/XXXX which is way past the Statue of Limitations laws in the state of washington regarding debt. I received a phone call yesterday on XXXX regarding the debt and they were overly aggressive, rude, and threatened to sue me and garnish my wages over debt that was to old to collect besides the XXXX parking tickets from XXXX courts. I told them at the moment i was homeless and did not have that much money to my name and that i was recovering from a car accident from XXXX XXXX. They did not care and said there attorneys already filed with the courts and the only way to stop the garnishment was to pay the biggest ticket at that time. So i took money i did not really have and paid {$260.00} to Alliance One and they said if i did not pay them {$300.00} a month on a XXXX that they will sue me. They have broken the federal fair debt collection practice act and i would like this dealt with immediately. I dont appreciate being threatened especially over time-barred debt that legally they cant do. The debt that they were threatening to sue me for were old cable bills with click cable located in XXXX WA. XXXX of them wasnt even in my name it was in my wifes name. I have gotten an attorney on the matter as well and would like for this divsion to also look into how this collection agencie is breaking federal laws.
I purchased a brand new XXXX car with GMAC in XXXX 2005. Everything was good for a couple years, but with the economy crash and self employed, I was late on payments several times through the remainder of the loan, however but still managed to pay it off in the time of the loan. That was 5 years ago, yet they still will not send the title unless I pay interest and late fees. This is totally unfair and unrealistic. The car is only worth ( according to several GM dealers ) what they say I have to pay ( over {$1800.00} ). And they want to report more negative information to the credit bureaus.
Very rude experience coming into the XXXX XXXXr branch in  XXXX Illinois on XXXX and XXXX, XXXX XXXX was who i dealt with. He was extremely rude and disrespectful. I told him just to close the account after he presented it as an ultimatum to me. He stood with a rude smirk on his face as i waited at the teller window to withdraw my funds. When I asked the teller if i could speak to a manager i was told no manager was available nor was an assistant available. Calling into customer service I experienced several nasty representatives and some guy that barely spoke good English from fraud prevention that kept telling me to go into a branch even after i told him i just left a branch and they were unable to help me the representative was argumentative and when i asked to speak to his supervisor he just hung up on me. The bank customer service representatives have consistently told me differently banking policies and account information. The bank refused to resolve any account problems. XXXX, senior manager of loss prevention was equally as rude and uptight. She refused to give me clear direction on what the steps were in the complaint that I filed claiming it would be put into a complaint tracker and saying to me oh well what did i want to have done. Very nasty rude people from the supervisor XXXX on down by far the worst institution I've ever went back to bank with. Worst decision ever I've made in my banking experience
On XXXX XXXX, XXXX, Ditech Financial LLC had their lawyers draw up a contract to fully reinstate my overdue mortgage. I executed their contract by paying the {$90000.00} delinquency requested. On XXXX XXXX, XXXX I received a statement that stated I owed an additional {$66000.00} listed as corporate advances. I have sent them two letters explaining to them that the executed agreement did not include the {$66000.00}. If you look at the detail of that amount on page XXXX of the agreement dated XXXX XXXX, XXXX you will notice the corporate advance amount was {$3900.00} which was included with what I paid. Then after I made this payment the {$66000.00} appears on my statement which was not a part of this executed agreement. Now Ditech sends me an apology for the confusion and adds another page to the agreement dated XXXX/XXXX/XXXX which includes an additional {$63000.00} for corporate advances. This to me is some type of fraud to make an agreement and after it is executed to change the original agreement. My contention is that I do not owe Ditech Financial LLC {$66000.00} for corporate advances.
XX/XX/2017 Phone call transcript. 
Called from XXXX Hey not bad. 

Yes file services notice for XXXX XXXX -- XXXX XXXX this is the Office of XXXX XXXX XXXX calling -- again I was asked to contact you in regards to a complaint we received with allegations attached we need to get a formal response from you -- this to be in the office today until XXXX XXXX -- at that time are gon na submit this back to the client the client is going to requested to be scheduled for hearing -- had a verification of employment paperwork will be issued out for your signature -- if you have any questions or concerns would like to submit a formal response or take advantage of mediation services my office provides I XXXX 's he 'll be your last chance to respond to this matter through my office -- contact ( XXXX ) XXXX -- S to speak with XXXX at XXXX
There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX Barclays Bank XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I filed a complaint on XX/XX/XXXX against National Credit Systems for trying to collect on a debt that I do not owe. The collection company is alleging that I owe a debt that they are collecting on. I have disputed it several times but they keep verifying it. I requested debt validation and they sent me a statement. A statement is not debt validation. I requested a signed contract or legal document with my signature stating that I agree to pay their company.
When they responded to my previous dispute, they stated that the property manager emailed them and said that I was an applicant and that I placed a stop payment on the checks that I allegedly paid with. I believe that information is false. Their response also " respectfully requests the XXXX XXXX sends them additional information so that they can do further research ''. I know no one by that name and believe that their response was a blanket response to their complaints.
On XX/XX/XXXX at XXXX XXXX, I went to the said property and spoke with XXXX. She searched their system and could not find a XXXX XXXX as an applicant or a resident. Her number is XXXX and fax # XXXX.
I was stunned once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment. 

I don't have any record of being 30 days past due XX/XX/XXXX and 30 days past due XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
I have an US Bank XXXX XXXX Premier Visa Signature Card. The agreement when I signed up for clearly said that get XXXX free night after paying {$75.00} FEE. The main reason I signed up for this card was the last night free benefit. However, U.S Bank & XXXX XXXX recently announced that their XXXX XXXX credit cards would be losing the last night free benefit after XX/XX/XXXX. I 'm really disappointed about this change. Is there anything that U.S Bank can do? I would like to get my annual fee refunded at least if it is possible.
Professional Debt Mediation has sent me a notice to collect a debt in the amount of {$4700.00}. This collection agency is not licensed for business in Florida, nor are they registered with the Florida Secretary of State ; therefore can not attempt to collect any debt in Florida. Please remove this account from my credit reports immediately. ''
The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX  does not have any documentation, they need to retract this from my credit file immediately.
About 2 years ago I became XXXX. In XX/XX/XXXX I had to have a XXXX. My wife struggled to keep up with the mortgage and did so until XXXX 2014 when we started to fall behind. By XXXX we were about {$4000.00} behind and foreclosure was started on XXXX. I was awarded XXXX in XXXX and received back pay in XXXX. When we contacted Seterus we were told that it would cost us over {$11000.00} to stop foreclosure and make everything fine. After speaking to a few attorneys we agreed to pay them. They told us that the {$11000.00} would make us current including XXXX mortgage and would cover all legal fees. We then paid XXXX mortgage early. On XXXX we received another notice stating that we owe another {$3800.00} due XX/XX/XXXX. We probably will not be able to make that payment since Seterus took the majority of the back pay I received from XXXX. I believe these piranha will continue to extort money from us until they succeed in taking our home! PLEASE HELP!!!!!!!!
I have a vehicle loan for 14 months, and I have paid excellently, but it is not reflected in XXXX or equipax, it only appears in XXXX, according to XXXX  and equipax I do not have open accounts and they are denying me all kinds of credits for the information they were providing from my credit
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Equifax Re : XXXX XXXX XXXX To Whom It May Concern : I am requesting that a dispute be initiated for a XXXX XXXX # XXXX. Enclosed is a copy of drivers license, copy of the reporting of the XXXX XXXX account, Copy of the Certified Letter sent on I continue to dispute the validity of this account. Can you notify me of the outcome of this correspondence? Thank you for any help you may provide in this matter. Thank you Sincerely,
XXXX and Equifax are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.
So XX/XX/XXXXTransUnion and XX/XX/XXXX is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks
XXXX, XXXX. 2017- Received call about a debt over ten years old. Guy claimed to be paralegal representing XXXX. When I asked him to send notification of alleged debt to my mailing address, he refused and offered to email me something instead. I told him I knew my rights and that I could request written notification and they would have to comply. He then said I likely gave this song and dance to people in the past. I dealt with XXXX XXXX XXXX for many years and still do, XXXX XXXX XXXX XXXX XXXX XXXX. I have received nothing from any bank regarding a debt. I asked the man three times to put something in the email and he refused to comply. When I looked up the company number, online forms stated it was used for various scams. Any debt I had in my twenties is beyond the statute of limitations. My credit rating is high and I have a bank account with XXXX. This call came out of the blue. He had my SSN. However, he would n't comply with request for verification of debt in mail and that raised red flags for me.
A couple years ago my Husband went from XXXX a year to XXXX a year we fell behind on our mortgage. I n the middle of the Modification XXXX sole us out to Select Portfolio Servicing. So we started another Modidication. We are 24 months deliquant. We just got another Mod and went from3.5 % to 4.5 % our payments went up and we ca n't afford them. We are up side down about XXXX our loan went from XXXX to XXXX I just do n't know where to turn
This is the third time I am reporting Nationstar mortgage to the consumer protection agency. My track record on payments have been bad due to XXXX layoffs and most lately expensive medical tests for my XXXX year old father, who lives with me. I am XXXX in arrears. I have tried to catch up by paying them {$1000.00} on XX/XX/2015,XXXX on XXXX/XXXX/15, XXXX on XXXX/XXXX/15 all of which has been returned to me with the explanation, that is was not enough. I just sent Nationstar, on XXXX/XXXX/15 a check for more than half of what I owe, {$6000.00}. I fully expect it to be returned to me. Then I will receive a letter from the prevent foreclosure dept. offering help in keeping my house. I need someone to take them to task for not working with me the way that they should. I am trying to get caught up to no avail. Please see if there is anything that you can do to help. Your involvement in the past has helped.
Account Information : XXXX Dodge Ram truck was asked to be picked up by Chrysler Capital XX/XX/XXXX due to a complaint filed with the Texas Attorney Office due tofraudulent signatures offered at sale of truck from XXXX XXXX of XXXX, Tx. Nowa year after Chrysler Capital took possession of vehicle and sold truck. A collectioncompany on their behalf has put erroneous credit bureau information on all XXXX majorbureau 's expecting a balance of {$15000.00} dollars in after market sale to auction of a contract forged for sale.
There are multiple hard inquiries on my Transunion report that are exactly the same, with the same dates. I did not authorize these credit inquiries. At the very least they should be consolidated, if not removed altogether. There are three hard inquiries all from XX/XX/XXXX from XXXX XXXX. There is also one from XX/XX/XXXX from  XXXX XXXX XXXX XXXX????? I never authorized this company to pull my report.
I'm not sure if you guys have any information on XXXX XXXX student loan they went out of business but before they did I know there was a big lawsuit against them for fraudulent activity well I originally only borrowed a lesser amount then what is now owed, now is crazy an amount, and almost seems as if my loan was doubled somewhere down the road and I can't get any answers from anyone I definitely didn't borrow the amount that they are now showing I owe ..
I tried to modify my mortgage as I am XXXX. I could no longer work and had to leave the workforce in XX/XX/XXXX. I had be able to continue making payments with the assistance of my finance. 
I was not able to keep up with the mortgage payments when we broke up. I asked for a remodification and they refused. I stopped paying on my mortgage and now I have filed a bankruptcy to keep my home. 
Wells Fargo refuses to remodifiy my mortgage and wants to sell my home. Ive been here for 13 plus years. It is my home and I would be literally homeless. 
Wells Fargo says that I do not make enough to stay in my home nor do I make enough money to declare bankruptcy. 
They have foreclosure and the next auction date is scheduled for the XX/XX/XXXX. 
I want to keep my home and am trying to get a part time job with the XXXX XXXX XXXX California. 
This would help my income level and I absolutely want to keep my home and Wells Fargo isnt willing to help a XXXX person like me.