WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to obtain a HAMP loan modification with Seterus on an investment property I own. The original modification was filed prior to the HAMP deadline. My income falls within that which HAMP allows for investment properties. I have provided all the paperwork requested by Seterus. Whenever I call they try to steer me to other solutions instead of a loan modification. Since HAMP allows for loan modification on investment properties I am very upset and frustrated.
I was XXXX of the people whose data " was probably at risk '' according to Equifax. I placed a freeze on my account just because of this. Now I get a letter dated XXXX XXXX, XXXX from Equifax stating that there are now charges for unfreezing and refreezing. This would not be necessary, if they had taken better care of my data. I do not believe I should be paying XXXX per instance when I want to use my credit.
I recently pulled my credit report from XXXX, XXXX & XXXX. On all three reports, Synchrony incorrectly reported balance and charge off amounts. This account is over 6 years since charge off. This is an old account. 
Partial Acct # XXXX There are incorrect balances, dates, and closed date showing. I immediately disputed this information with XXXX, XXXX & XXXX and the results of the investigation came back as verified by your organization. 
According to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. 
Since I have disputed the error ( s ) with the credit bureaus, and you obviously verified them, I was curious as to what kinds of records you may have for this alleged account. 
Under the FCRA, you are required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation you may have verifying the legitimacy and accuracy of your verification and reporting of the account as stated above. I submitted my written request to you to conduct an investigation and provide me with the original documentation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request, but you failed to respond within this time period, per the FCRA, you must remove this negative information from all three credit repositories or face litigation with punitive damages of {$1000.00} per error and I fully intend to utilize litigation if needed to resolve this.
I was approved for a loan modification last year XXXX. Made all the payments on time during the trial period. I Mailed the signed contract in XXXX XXXX with the envelope they provided. In XXXX they contacted me and said they never received the contract. I faxed and emailed signed contract over to them for a second time. They complained about my signature is not matching and changes to the contract. So I faxed it over again, 2 times in XXXX XXXX, New contract with new signatures and dates. They are now claiming that I do n't qualify for the modification because I did n't turn the paperwork in on time. However of until just a week or so ago it was showing them still available on the electronic on my account. Why would I make the payments and not turn the paperwork in? Why would they Continually contact me about the " missing '' paperwork if they were n't gon na let me qualify for the modification? Now they are threatening foreclosure again.
In XX/XX/2017 we decided to refi through HPF. We were to expect a lower monthly payment for the same services. We were refunded taxes " paid in full '' by the law firm. Those funds should have been returned to escrow. During the annual escrow analysis it was discovered that we had not had two escrow items included at on-boarding. I went back and forth with the we care team and were promised they would add the items into my escrow. That did not happen. Our previous mortgage company did pay the landlords insurance policy and our fire tax. HPF refused to do so. To settle the issues of the increased monthly payment and the escrow expenses HPF branch offered us a {$1200.00} reimbursement in addition to a settlement from HPF corporate. We signed the settlement under the advise of the branch employees and on good faith this long drawn out process would be solved. However once we received the corporate settlement we were refused the branch payment. Corporate says the branch can not offer the refund. The branch still maintains that they did offer the refund and stand by it. 

During the course of this transaction i have been in communication with countless members of the we care team, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX.
XX/XX/19 This is the first time Experian credit agency has inaccurate information of me. 
I requested and received my free annual credit report from Experian, I saw my social security number is not mine, I never reported this number as my social security nor is it a combination of my social security number. I asked to have this corrected and I received another Experian report and my social security number or combination of it is still not correct. I want what portion this credit reporting agency enters as my own social security on my credit report, to enter my correct information. 

This year with my request for my free annual credit reports another credit reporting agency also had an incorrect social security number for me, I requested a correction report sent me with my correct social security number or part of it, and it was corrected by the credit reporting agency.
XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I never get any knowledge of this account be put in collection from the company before getting treated calls.
To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX    )    XXXX   XXXX   XXXX   XXXX    ( I  HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
They sent me a debt -and I responded within the timeframe requesting verification of debt. They did not provide verification and immediately reported this to credit agencies.
I 've had the hardest time with trying to get my issue resolved with XXXX XXXX XXXX. I recently pull my credit report and determined I have a hard inquiry on my credit report from XXXX XXXX XXXX on XX/XX/XXXX. During the enrollment process for the XXXX service, there was a disclosure read to me of credit check would be done for the review of my application. I was confused as the disclosure did not provide specific information if the credit review would be for a hard inquiry or a soft inquiry. I asked the specialist if she could confirm this for me. On the same conversation she advised this was not a hard inquiry and would be a soft pull done, so it will not reflect on my credit report. With this understanding, I agreed and continued with the application process. I called XXXX XXXX XXXX in which the specialist advised she would submit a request for a credit analyst to reviewed my profile for the hard inquiry and call me within 48 business hours as they were closed during the weekend. I did not received call back within the timeframe i was given so today XX/XX/XXXX, i called and checked on the request. I was advised there was not a request submitted for this review when I previously called. After 50 mins of being transferred around, being hung up on once, I finally got over to a credit analyst, who advised me they do n't have a produce to remove this credit inquiry as they would refer their customer to dispute it with the credit bureaus. As I made the specialist aware I 've already looking into that option, in which my request was denied. I advised her the only option I had was to dispute the inquiry as fraud. I advised I would not dispute this as fraud. As the definition of fraud is not having no participation in the activity, in which does n't apply in my case because i have this active account with XXXX XXXX XXXX. The same employee as well advised that she does n't understand why this particular employee would 've assured what type of credit inquiry would be established, as she is in the same position as her. She advised they are not even sure what type of inquiries are done. She advised " Out of best practice '' for the customers she assist with the enrollment of service, she advises them she is unable to confirm what type of inquiry it would be done as the credit team would determine this during the review of the application. I feel like i was mislead by XXXX XXXX XXXX/employee. I am not certain if this was done intentionally by the employee to gain personal commission, or if its something that if not clear to XXXX XXXX XXXX employees to provide unfair parties to their customers in general.
There is no option for my complaint. Below is my belief in wrong doing. 

I am XXXX XXXX military. As such, I XXXX  and move constantly. Which I have to get a new place every time, usually about every year. With that being said, I have to get my credit pulled for housing, cable/internet, power, phone etc. every single time. The general population/ consumer, do NOT have to do this as they do not move nearly as much as military personnel. I do not believe this is fair to me, nor any other military service members. Our credit is affected tremendously because of this and believe this should not negatively impact our credit. PLEASE review my credit history. I have NEVER been late on any payments, but since I have a ton of inquiries, it is hurting my credit score.
I was a victim of the issue TransUnion had with credit reporting. I called customer service and they were unhelpful. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have made several attempts for XXXX XXXX XXXX XXXX to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. Homedepot lost/never cashed check. I tried to request that they waive penalty fees and they refused. Citi Bank/Home Depot sent a settlement letter which was again paid by escrow company. Check was cashed by Home Depot and I shouldn't be punished for their error. 

This issue has been going on for two years and is causing me financial harm.
I have XXXX XXXX XXXX XXXX credit its closed but the reason is CONSUMER DECEASED.i was pay off and no balance.
Loan taken out with Lending USA at XXXX of XXXX. Originally spent {$2700.00}. This was cost of puppy, and all the dog food, vitamins, crate etc that the store said I needed. If I didn't use their dog food and their vitamins then it voided the warranty on the dog if something happened to it. Needless to say there were many vet trips due to XXXX XXXX, XXXX XXXX due to it being in a crate and had swallowed XXXX among other things. I have already paid of {$1500.00} on the account and they are only showing my balance down to {$2700.00}. If this is the rate, it will never be paid off. The terms given to me by the rep who did the financing and what I have actually ran into have not been accurate. They are applying little to my principal and I feel I was over charged for the dog at {$1600.00} when I realized people made offers on dogs and they took them. I was never told that was an option. I feel like they are using these poor animals and just scamming people.
Santander Bank h ad an offer of {$500.00} if I opened a business checking account.     The conditions : - keep account open 90 days - {$2000.00} of cumulative deposits in 90 days  XXXX  transactions in 90 days ( purchases, transfers etc ) I met all the conditions and now they are saying I did n't qualify for the bonus because I did n't meet an average daily balance of {$2000.00}. ( that condition was never listed on the offer )
Experian has refused to reinvestigate a HIPPA violation on my report I have asked several times and they have refused to investigate XXXX XXXX which has access to my private health information without my knowledge or permission. Please reinvestigate this serious offense.
XXXX XXXX incorrectly decreased my credit limit from {$10000.00} to {$9400.00}, I supplied my XXXX showing income of {$160000.00} in 2017. They increased my limits back to {$10000.00}. BUT Experian only acknowledging the decrease which in turn caused all other credit bureaus to report decreases, now my score is XXXX, I have no late payments to XXXX and in being punished in my scores for their errors. Experian is impossible to contact and im Really angry they are reporting inaccurate information. Their records do not show my incomes, so their ratios are wrong and Im a consumer that never just makes a minimum payment I have aged accounts and Im so upset they can just create their own version of the truth and I cant get them to even acknowledge their fraud much less correct. Im hoping I can report to XXXX and OIG. Thanks XXXX XXXX XXXX
Starting in XX/XX/XXXXall of my credit cards and ATM card have been cloned and used. I still have the cards I have a box of paperwork, too much for me to even sort. my XXXX last XX/XX/XXXXmakes everything hard to do. my checking account with Chase bank has been compromised several times by use of a cloned ATM card. sometimes Chase gives the money back, sometimes they give it on a temp basis and then take it away, leaving me suddenly overdrawn by hundreds of dollars. i have no money to deposit so i get overdraft charges until i borrow some cash from my family. also my credit cards have all been compromised many times. some fraud cases are settled in my favor, some are still in progress. my most recent denial by chase for the unauthorized use of my ATM card was denied because the card was chip enabled and used at a chip enabled store. my Slate credit card also has the famous chip and it gets used all the time and i still have the cards. so far the card has been replaced 6 times with a new one on the way now. Slate approves my claims, why does n't chase ... same bank. i can not pay my bills and my credit score is down 60 points. please help me fight the battle of the chip. My research found that I am protected by law such as the Fair Credit Bill and the Federal Trade Commission. FYI MY CREDIT CARDS ARE ALMOST EXCLUSIVELY USED AT XXXX IN THEIR ELECTRONICS DEPARTMENT. CAN SOMEONE MAKE THEM START CHECKING ID? Opps my wonky fingers hit the cap lock also i telephone the chase fraud people and ask if they could please reopen my case so i could do some investigation, they said my request was denied. I was n't able to attach documents. i have photos of 10 cards that have been replaced. all of them have the chip
Go Financial is reporting a outstanding balance When I got the car I wanted to give it back because the check engine light came on the week I got it ... The bank told me I could not give the car back and I had to get it fixed ... I call and told them the car was two months old and the car cut off and would not start back up ... They would not go to where the car was they said I have to get it back in front of my door ... Go Financial started calling my job threating employee stating the police would come to my job if I didn't put the car at the address on file ... them they finally stop .... Now I have a {$10000.00} debt on my credit from a lemon from the start
After I completed XXXX I moved to the XXXX area after XX/XX/XXXX to help out afterwards. I worked in XXXX and the XXXX services since then until I started as a XXXX. Currently, XXXX. XXXX. I submitted a loan modification application to Ocwen to modify my FHA mortgage and Ocwen did not make a decision on the modification application. Ocwen claims the home was sold at auction on XXXX without evaluating my loan modification application to modify the FHA loan. I lost the job that I had XX/XX/XXXX when I borrowed the mortgage from a company that sold it to GMAC. GMAC went bankrupt and now Ocwen is the loan service provider. I searched diligently since I lost my job XX/XX/XXXX but am not able to find employment, but I am a XXXX with student loans. The FHA loan was discharged in a bankruptcy in XX/XX/XXXX and I continued to make payments until my retirement account was empty.
All of my loans from XXXX University are forgiven. This is due to the school closing for racketeering. Please remove all student loans from my credit report.
My account at Wells Fargo continues to be a topic of debate between me and the bank. It has been in the negatives over {$300.00} for over a month now with no resolution from the bank. The account has been frozen since the original incident, however somehow it continues to continue to drop into the negative. I have provided the bank with multiple proofs as to why the account should not be negative, however Wells Fargo refuses to recognize them.
I have been a customer of PNC bank for about 10y. And I just had a scary experience with this branch. 

On XXXX/XXXX/15 I stopped by to make a deposit and get a copy of my statement since I was going to DMV ... Which was a horrible experience too. 
The bank teller had the audacity to open a credit card account without my AUTHORIZATION or even mentioning it to me. The lady kept asking me weird questions which I found so unprofessional such as the area I live at is very expensive, how much I pay for my rent! I must make good money to live there ... These questions were very annoying and I should have sensed that she was actually cooking something for her own benefit. 

This lady opened a credit card account without my AUTHORIZATION!!! I find out later they get some kinda credit by opening credit card accounts for their customers ... They are trying to get as much customers as they can. This lady now most probably ruined my credit as we all know in order to get a credit card they run your credit and closing it also affects your credit. 
I 'm very frustrated that PNC bank put me in such situation where now I have to deal with things I never had to deal with and I 'm pretty sure I will no longer be one of their customers because I have lost my trust. If they were able to open a credit card account without my authorization they are also able to use it. And this is a fraud and illegal. 

Ah and the best part is some lady called me which I forgot her name and I think she s a manager at that branch. She was trying somehow to convince me that this is n't a big deal because I 'm a pre approved for a credit card and that 's why ... Lady no pre approved or not there is no way to open a credit card without me AUTHORIZING it.
I 've attempted multiple times  on Navient 's website to enroll in an Income  Sensitive Repayment program. Each time I go to fill out the application it gives me a " Web Error '' call customer service, then they are closed. I 've tried on multiple browsers and computers, same error. Seems they do n't want to help us lower the payment.     Ive also called asking them if I can skip a payment due to a IRS payment I need to make that is around {$700.00}, they said no I ca n't. I have never missed a payment and they say i 'm not eligible for deferment ... I do n't want to differ my loan, I want to ski p 1  payment and have it added to the end of my loan ( plus interest ).     I also tried to download the application fro m Navie n't site an d gave the same error.     It seems they are not willing to work with those that are trying to repay. I Pay almost {$700.00} a month t o Navient.
Tower Loans keeps calling me. All phone calls are recorded on the government phone calls. Harassing phone calls at work everyday, on a federal government line. I can be contacted on my cell number at XXXX. Call received on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. Threating with wage garnishments.
My mortgage lender Umpqua Bank has engaged and conducted an illegal foreclosure sale. Umpqua Bank has failed to follow the guidelines and policies and procedures that MUST be followed when servicing a government insured FHA loan. A denial letter that was received indicates that if an appeal is requested, that there is a 30 day appeal review period, and Oregon and federal law prohibits a foreclosure sale to be conducted prior to the expiration of this appeal period. However, Umpqua Bank and law firm XXXX neglected to consider this and moved forward with and conducted an illegal foreclosure sale despite the fact that an appeal was requested. I have attached documentation to back up this assertion. 

Additionally Umpqua Bank and XXXX failed to offer Occupied Conveyance as an option. The Occupied Conveyance paperwork was never provided for me and this option was never offered, even though FHA and HUD REQUIRE that FHA loan servicers provide this option. 

I have owned my home in XXXX Oregon for sixteen years. I refinanced into an FHA mortgage loan that is serviced by Umpqua Bank, and after being injured on the job and forced to take an early retirement have been trying to resolve a mortgage delinquency with them. On multiple occasions I asked Umpqua Bank to work with me and consider me for all of the government FHA programs that they have available. They told me on XX/XX/XXXX that I was denied, but I believe significant errors were made so we requested an appeal. I believe that if I were given the option of a review based on my appeal and the chance to point these errors out that I would have had the denial overturned and gotten approved.
I 've been receiving calls from First Recovery Associates. They say that I defaulted on a payday loan from CP Investors back in 2013. They have my social security number and current bank account number ( had a different bank account in 2013 ). I have never applied for a payday loan. When I tell them this, they hang up on me. They will not leave me alone and I know they are trying to scam me, but still have my personal information.