WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX and XXXX all are reporting that I paid my Wells Fargo mortgage late. I did a Home Modification with Wells Fargo. I even have a letter from Wells Fargo that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. Wells Fargo stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late!

There's also two Wells Fargo Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by Wells Fargo but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
The following names, addresses and SSN 's are incorrect and should not be associated with my credit report.
Incorrect/Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect/Inaccurate Addresses : XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX CO XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  Social Security Numbers that are not mine : XXX-XX-XXXX XXX-XX-XXXX XXX-XX-XXXX
I disputed inaccurate account on my credit report from TransUnion and I still have n't had got a response on dispute investigation back on my results or my return receipt signature it 's has been 30days and I 'm still waiting.
We have sent in two disputes to remove the inaccurate information from Experian with XXXX XXXX XXXX ; the information has not been removed. Please remove this negative information from my credit report.
The problem is with Experian. In trying to contact Experian their automated answering system malfunctions not allowing you to input any information and will not allow you to contact any real person. This with using a variety of cell phones and ' '' customer service '' numbers they list. The numbers all seem to transfer to the same malfunctioning system. But, they will send you an unsolicited survey and I requested a call back and did not happen. This has occurred five times since XX/XX/2018 not including today ( six total ). You can't even email them with issues. 
The government had their foot on their neck a little over a year in the XXXX  hack and failed to fix and follow up. Typical of Big Business and Government kissing back sides. 
These three, Experian XXXX  and XXXX XXXX, control every person in the USA 's finical life but is not held responsible. This is legalized racketeering.
In correspondence dated XXXX XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
MOHELA continues to find ways to extend loans by using recalculations. Example I pay off a loan, incidentally all my loans get a little extra payment from that months auto debit. They then recalculate my payment amount based on this current paid ahead account status. I end up with a lower overall payment but they ensure they get their 120th payment. Level repayment should mean level repayment. They have the audacity to say that my loans on a ten year plan may require a large payment to satisfy the terms of my loan at the end, I pay nearly 8k extra every year. -typed on iPhone
About 3 weeks ago I tried to get my free annual credit reports. I received XXXX reports but, Equifax responded with the attached screen shot. I just had to fill out all of my information again and when I submitted the info I got the same message. If they ca n't even keep their web site working, how accurate is their information in my credit report. Incidentally, last year I was not able to get a report either????
I have XXXX accounts reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. It has recently been reported as a charge off, which indicates that they are knowingly reporting misinformation. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.
Debt was originally incurred in XX/XX/XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XX/XX/XXXX at which time the debt would have been over XXXX. Statute of limitations has expired. I do not owe this debt to XXXX Bank!
I am filing a complaint on behalf of a reward dispute that occurred with Cit Bank Group for my Citigold checking account. The reward was for XXXX XXXX XXXX points after completing the necessary spending requirements ( which were met ). Despite receiving repetitive confirmation from Citi Bank both via writing and phone that I would indeed receive the bonus points, Citi Bank eventually withdrew their offer from me without any justification. Additionally I was charged a $ 30 monthly fee to keep my Citigold checking account open while I was waiting for my points, which now, according to Citi, I will never receive. 
I suspect that Citi Bank intentionally provided me with dubious information in order for me to stay a Citigold customer and continue to pay the $ XXXX monthly fee for their service. 
I have ample amounts of documentation to support my claim that Citibank confirmed the promotion and then went back on their word including an inquiry that Citibank, itself, filed in XX/XX/XXXX confirming I was eligible for the promotion which they obviously never honored.
Phone XXXX XXXX Acct. # XXXX XXXX for a payoff amount for an old car loan ; number shown on credit report is Allied Fin ( XXXX from XXXX XXXX XXXX. Each time I speak with someone at that number, the person on the other line can not verify the account. I challenged XXXX to verify the account, which they respond to say it was verified. When I ask for the number they used, it is the same number to Allied Fin., but when I call Allied Fin., they can not locate the account.
I have been paying off my student loans with Discover on and off for 5 years now since I left school. I 've had to deal with some medical issues which left me with big bills and with some unemployment. I also went back to graduate school for year, but ended up leaving. I 've tried to pay as much as I can every month. They have been charging me more than 10 % interest, even at times when the federal interest rate was 0 %. I 've looked at the chart they have on their website, and most months most of my payment is going to just the interest. When I miss a payment because of financial difficulty, it all gets messed up again and then somehow I end up paying all of my money towards interest for the next few months, until another financial emergency comes up and I miss another payment, and then they do it all over again. I recently realized that, even after five years, the balance left on my loans is still the same or higher than when I first borrowed it. I feel like a slave to this loan company ; like I will be making large monthly payments of {$300.00} or more to them for the rest of my life, because they have me trapped. It does n't feel right.
Mr. Cooper ( formerly Nationstar ) sent me advertising materials about purchasing a home protection warranty, which I agreed to because they said they could pay the monthly premiums directly from my escrow account. The policy went into effect on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( the home warranty company ) that my policy was being cancelled due to non-payment of the monthly premiums. I immediately contacted Nationstar and they assured me it was an oversight, and that they would forward the premiums to XXXX XXXX so that my coverage would remain in effect. On XX/XX/XXXX, I had a plumbing leak in one of the bathrooms and it did approximately {$9000.00} damage to my home. My homeowners insurance policy issued me a check for the damages, minus my {$1000.00} deductible. They informed me that the plumbing repair was my responsibility and needed to be done prior to the repairs. I contacted my home warranty company because their brochure states they cover plumbing problems, and that they will cover my {$1000.00} deductible. When I tried to file a claim, I was informed that they could not process my claim because my policy premiums had not been paid for the last four months. I contacted Mr. Cooper ( Nationstar ) and they informed me that it was another oversight on their part. I have been talking to them for the last three weeks, they told me they wired the money to the home warranty company over ten days ago. The home warranty company denies receiving any payment. In the meantime, my family and I are being denied services for which we have already paid. We are unable to repair our home unless we get the plumbing problem repaired. I have been waiting a week now for the mortgage company to produce proof that they wired the funds when they say they did, they are still unable to produce those records today.
Two times during my loan mod that Fay Servicing LLC and their Trustee Company XXXX XXXX XXXX XXXX XXXX XXXX forclosured my home misleading me, and told me both of times that my required loan documentations had been completed. and waiting for the underwriter to qualified a loan mod for me. Both time without a paper trail, a email, a letter, a text message, that FayXXXXXXXX XXXX XXXX forclosed on me between XXXX, and never sent me any letter stated that i was not qualify for a loan mod. 
I was scaried and threaten to loss my home, so in XXXX i asked for reinstatement. 
one time in XX/XX/XXXX that i wired the fund per instruction from Fay of {$200000.00}. Fay acknowledged that wired fund received, that my loan reinstated, but turned around Fay forclosed my home, i contacted Fay repeatedly and demanded to stop the foreclose without any answer. I didn't even have a chance making my monthly loan payment. i was forced file bankruptcy. 
on XXXX i again asked for reinstatement, and i was told by email wired fund of {$210000.00} to fund on XX/XX/XXXX, again, Manager XXXX XXXX acknowledged fund received, loan reinstated, payment will be {$2000.00} each months. I starting made payments of XXXX, XXXX, XX/XX/XXXX total of {$6200.00}, said fund never credited to my account, never returned. By XX/XX/XXXX after Fay cashed all my funds and suddenly foreclosed on my home, again, without single word for more than 3 month since XX/XX/XXXX-XXXX dead silence, i immediately called Fay and XXXX to stop the foreclosure. They went ahead forclosed on my home, i again, filed bankruptcy, XXXX, XXXX filed dismissal my BK case. and court accused of me filed jaded BK, even i documented every single evidence. to no avail. my case dismissed. 
Fay then immediately scheudled another foreclosure on XX/XX/XXXX in 14 working days. 
I am again asked for 3rd reinstatemnet but extreme worried that doesn't matter how do we comply with the law and Fay 's instructions, that it is a scan, that Fay will uses my fund to invest making profits, and misleading, scheme me to believe that my loan will be reinstated once the wired fund received. 
Fay send me the augumented of {$250000.00} to reinstated my loan by XX/XX/XXXX. I am waiting for my deposited check cleared to cut the check forwarding to Fay before XX/XX/XXXX. 
Fay eventually refunded my wired fund on XX/XX/XXXX from XX/XX/XXXX Fay Cashed my check more than 3 month even after Fay forclosed on my home on XX/XX/XXXX.
I am being charged over {$250.00} in fees etc? for only making a {$25.00} or {$50.00} dollar payment. I have made it clear that I can not pay a full amount of close to {$300.00} and I need to make partial payment. The company is adding almost {$300.00} per month. 
The initial loan was under {$500.00} the bill is now almost {$1500.00} four months later.
I submitted a general complaint to the South Dakota XXXX about how my payment was not taken out on time and I did not want any added fees or interest added to my account because the company chose to pull out my automatic payment 4 days later. Advance America responded to my complaint with specifics of my loan amounts, payment schedules and amounts of schedule, and types of loans to the third party ( The XXXX ). I never specified my amounts or payments. This information was disclosed in order to embarrass me publicly since the information is public record. XXXX CASE # : XXXX
This is regarding OCWEN. In the last couple of years, I was granted a loan modification due to less income in the home because of my divorce. I passed the three month trial period, and OCWEN instructed me to wait for my new contract to sign. I was told everything was good to go. I waited and waited. The new agreement never came. I spoke with so many people regarding where this agreement would be. My " relationship manager '' informed me it got lost in the shuffle due to OCWEN changing hands, etc. Him, and also HIS manager, informed me it was coming, and do not make any payments until it is signed. It still never came. The next letter I received from OCWEN stated they were foreclosing on me because of this. Again, OCWEN would still not accept any mortgage payments from me! I spoke with a couple people that work in the escalations department, many " relationship managers '', and my attorney has even spoke to many people there to help me with this situation. It now appears that I have not made my mortgage payment for quite some time. My attorney spoke with someone there, who looked at my past situation and admitted that OCWEN had indeed made the mistake. She told me to fill out modification paperwork and this would all be taken care of. That OCWEN would figure a way to add my missed payments to the end of my loan or make higher monthly payments to make up for what I have missed, since this was the fault of OCWEN. Finally, I thought this was all getting resolved. However, you guys stated I do not make enough money in the declination letter. My attorney even verified I make enough to keep this house and enough to continue making mortgage payments on my home. I am a single mother with a good paying job and I want to keep my house. I honestly feel this was not my fault. OCWEN even admits it was their mistake. No one will work with me or even my attorney. I am terrified.
Basically the same complaints filed against XXXX and XXXX. Refusal to properly investigate improper hard inquires allowed against my authorization. Fraud Alert placed XX/XX/XXXX has not been honored. I only signed XXXX applications after Fraud Alert only XXXX but I have over XXXX hard inquiries. They refuse to remove as they need letters. 
Please help if possible to get these removed, Thank You. XXXX XX/XX/XXXX
My friend and I purchased a house together in XXXX OR. We set it up so that if either of us died the other person would get the house. XXXX XXXX Died XX/XX/2016.I had to sale because I could not afford it.The house sold on XX/XX/2016. My name was on the sale papers, deed, and should of been on the loan also.We had an escrow account for taxes and insurance. The insurance had no problem giving me my check in my name alone. You people at Umpqua bank refuse to give me a check with my name on it alone.I explained many times to your workers that it was impossible for me to produce a death certificate. I had no idea what name his daughter put on the paper. I gave up my new telephone number to try once again to communicate with his daughter XXXX XXXX. 




she is now harrasing me me all the time. Please send me a check in my name for taxes saved in escrow which belongs to me not you in the amount of XXXX
This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
On XXXX XXXX, XXXX, XXXX Montana AAG Vice  President, personally assigned me to his loan officer XXXX XXXX XXXX. In my conversation with XXXX XXXX, specific requirements pertinent to obtaining a reverse mortgage loan were disclosed. They included purchase agreement, counseling, FHA appraisal, and financial disclosure, all of which were provided. Nothing more was requested or deemed required. I explained my current and past residency and lack of credit history. XXXX XXXX clearly indicated this was not a problem since I was " the perfect candidate for a reverse mortgage considering my age, marital status, and substantial net worth ''. 


Since that time, endless amounts of data have been requested and furnished whether the data was relevant or not. In early XXXX the account was reassigned to XXXX XXXX XXXX immediately after XXXX XXXX XXXX had called to advise the loan had been rejected due to a conflict between the XXXX  XXXX XXXX XXXX XXXX, and FHA requirements. XXXX XXXX XXXX 's explanation of the facts along with my email to XXXX XXXX XXXX, AAG CEO resolved the issue overnight. The loan was then reinstated. 


XXXX XXXX has repeatedly lied, misled, misrepresented and failed to disclose requirements initially, and throughout the loan process. XXXX XXXX  's standard answer is " I do n't make the rules '', but he certainly knows how to break them This has placed all parties at financial risk, and in my case, resulted in health issues. 


The UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. XXXX of XXXX XXXX, XXXX levied a {$400000.00} fine against AAG, it 's Officers and Directors for fraudulent actions comparable to that of XXXX XXXX Once again AAG has violated XXXXederal Law, and will be held accountable.
in an nutshell i am a victim of identity theft, i am in the process of fighting back against the terror that i have been plagued with. Bank of America, where my Business bank account was opened at had been compromised, after a long and through investigation, I have deducted that whoever hacked and stolen my personal information was able to compromise all of accounts, since i started the business in XX/XX/XXXX, i have reported this to the IRS. via affidavit. the transactions are consistent in high dollar amounts. They finally ended when the account ended and closed.
I was involved in an online relationship with a XXXX XXXX. It was my understanding that a person was going to deposit money into my account on behalf of XXXX XXXX and I was to withdraw that money and send them to bill collectors as directed by XXXX XXXX. On XX/XX/XXXX {$9900.00} was deposited into my savings account at Bank of the Ozarks. On XX/XX/XXXX I went to the Bank of the Ozarks branch and withdrew {$2800.00} and {$7000.00} and sent the money to the places indicated by XXXX XXXX. On XX/XX/XXXX I made another withdrawal for {$120.00} and also sent that money to the places indicated by XXXX XXXX. I have records of each place the money was sent. 

On XX/XX/XXXX I received a call from the bank branch manager, XXXX XXXX. She asked me to come to the bank as we had a problem. When I got to the bank she informed me that the check for {$9900.00} was charged back to the bank. I inquired as to why the funds were released to me, the bank should have some sort of safe guard in place for things such as this. XXXX XXXX stated that the bank does but she was n't sure why the hold was n't placed on my account and that the teller that gave the money to me had been reprimanded. XXXX XXXX called me a thief and threatened to have me arrested and thrown in jail. She tried to force me to sign an agreement to repay the money. I refused, left her bank branch and contacted a lawyer. The bank as since turned me over to a collections agency. 

I was advised by my lawyer to file this complaint as the bank is at fault for not having safe guards in place to avoid things like this from happening. I also filed a police report with the XXXX Police department Incident # XXXX. 

I did not profit/benefit from this, I now know that I am a victim of a scam artist. 

Any assistance with this matter is greatly appreciated. 

XXXX XXXX XXXX