WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I entered into a HELOC with U.S bank for a Line of credit of {$1.00}. The rate was 2.25 % interest only mortgage for 5 years. I made all my payments and taxes for 5 years.I had talked to XXXX XXXX, in the XXXX XXXX XXXX in XXXX WI, and who had originated my loan. I talked him 3 times and he assured me that it would not be a problem to renew to mortgage. In XXXX or XXXX  on XXXX had left his position.
I called to see if anyone could assist me but to NO avail. The problem is the U.S bank only services the loan but has NO money in the loan and therefore has so incentive to work thing out. Early in the process, after I realized that my " modification '' was going nowhere I told them I would pay them 5 years of payments and 5 years of taxes up front as good faith. They told me that they could not because the loan was due in full.
In XX/XX/XXXX I left my position to become a XXXX XXXX after 25 years in the XXXX XXXX XXXX profession in which 20 years I owned my company so I am very familiar with to whole process in including the XXXX XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX because in how the mortgage servicing was handled I had a XX/XX/XXXX and was hospitalized for 3 weeks and I am still on XX/XX/XXXXtoday. The doctors said the XX/XX/XXXX occurred due to XXXX which was at least partially and entirely the way the mortgage was handle for 2 years. Had they just renewed the mortgage note none of this would have happened. In XX/XX/XXXX i secured a position with XXXX XXXX but I have since lost that position due to my XXXX. I was only in the position ofr 3.5 months. That position paid me {$120000.00} plus incentives up to about {$190000.00}.
I have had at least 10 employee relationship managers and No one who can a decision. Also in XX/XX/XXXXwe had a offer for {>= $1,000,000} that finally got pulled inXX/XX/XXXX ( more that 11 months ) because U.S bank could not make a decision.
I summary I have never experience anything like this. It has been over 4 years since my balloon was due and I made numerous attempts to resolve it. There is about 4 years and 4 inches of correspondents which is too much to email. I have sent you the statement from XX/XX/XXXX showing my balance and the amount due. I can mail the rest of file if it is requested
Ihave a capital one credit card and they keep charging a intrest charge on my statment evry month even when i pay my full balance. In there own statment you have a 30 day grace period. I have contacted them and asked them to correct the promblem but it is still continuing. After i recieve my stament i remove the intrest charge and pay the balance i owe and right under the intrest why? I have been keeping a close watch on this but if its happenig to me how many other poeple have not and are paying intrest when they should not.
I successfully completed a trial XXXX modification program with Ditech from XXXX through XXXX of 2016 ( due to hardship of divorce ). I paid {$1900.00} per month during the trial. In XXXX I received a letter dated XXXX XXXX congratulating me on the completion and letting me know my new monthly payment would be LOWER than the trial -- at {$1400.00} per month! 
I called immediately to check this and was told it was correct. I logged on in XXXX to pay my XXXX bill and the {$1400.00} was showing. I also received statements showing this amount. 
For XXXX, XXXX and XXXX I paid the lower amount ( before it was due, in full, electronically ). 

In XXXX I got a letter saying if I needed help with my payments, I could learn about modification options and that I 've been assigned an account manager ( someone new, not the person who was assigned throughout my trial modification ). 

I called immediately and was told that I was in arrears by almost {$5000.00} and that I had to come up with a lump sum to get current. Yet, the collections department ( where my " new '' account manager sits ) did acknowledge the letter that came AFTER my modification, they claim my notarized modification paperwork was for the higher amount and that I KNEW I should 've been paying it. I confirmed they had the post-trial letter saying AND BILLING STATEMENTS showing the lower payment amount. 

I have been calling them repeatedly for the past week or XXXX to get this rectified -- their claiming my former modification manager is no longer there ( or available to me ). They, allegedly, have elevated this but it 's still not resolved. I withheld my XXXX payment as they were saying it would be applied toward XXXX 's mortgage ( remember, I paid XXXX, XXXX and XXXX IN FULL ). The online account showed all that until last week. When I logged on to pay my XXXX bill it had a bunch " reallocations '' and showed I 'm in arrears. I 'm also not allowed to make any electronic payments. I am concerned that the company is going to cause trouble for me here and am thinking it may be wise to retain counsel to help ( although I 'm broke, after going through divorce, I can ill afford to get XXXX by Ditech ). 

Also, Ditech sent someone to my home who took pictures and left a notice on my door -- this was on XXXX XXXX. They never alerted me, the person did n't announce his presence and the form he left on my door saying to call Ditech had no contact name or extension. Not only that, it caused my XXXX XXXX XXXX son some XXXX and XXXX - -he did n't know if this was someone looking to break in or what was going on. I am sickened by this situation and need some help, please?
My husband, the only earner right now in our household was suddenly laid off without warning in early XXXX We have a few credit cards, most with very low monthly payments which we should be able to satisfy until we are back on our feet, all but one, a XXXX XXXX card which I opened through XXXX XXXX this past summer. I have a promotional rate which put me at a very high monthly obligation of {$150.00}. When I chose this deal, we had no reason to expect lay off and were meeting our obligations. I was planning on paying off half of this debt in the early spring when we get our tax return and that would have brought the monthly payment down to probably half this. I called the bank a few days ago asking about assistance during our severe hardship.I was told that I cant qualify for the 12 month because I am on a promotional program which would have been at a payment of {$60.00} per month at a 10 % but I cant take advantage of that because of the promotional rate I am on. 
The only thing they offered me was a program where I had to actually miss my payment and then i could be put in a program that would lower my payment to {$42.00} per month. 
My major problem with this is that I have to actually miss a payment to qualify. My credit is good. Not great but good and it took me years to get it where it is now. I have to ruin my credit in order to get this deal? Of course we can show proof of this lay off if needed. Why is that not good enough? Why should a cardholder have to be forced to ruin their credit in order to qualify for a program like this? what should I do, not make my mortgage payment which we actually don't know what we are doing about that ( we are of course seeking assistance from that bank ) to make this {$150.00} per month payment?
Freedom Mortgage has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. Freedom Mortgage has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.
I have had to file two previous complaints against this company due to inaccurate information being reported on credit report. As of XX/XX/XXXX, when myself and a representative from XXXX XXXX called in on a three way phone call, due me attempting to refinance my mortgage once again, the representative had two simple questions : Payment History Date of Discharge of Bankruptcy Payment history was reported accurately but the representative from their bankruptcy department, XXXX, ID # XXXX reported that my discharge was in XX/XX/XXXX, not the actual date of XX/XX/XXXX. I even went so far as to ask the Wells Fargo rep did he not want to contact Ms. XXXX XXXX to ensure accuracy and he reported that XX/XX/XXXX was the correct date as per Ms. XXXX 's documentation. The representative then went on to read verbatim from Ms. XXXX XXXX 's notes that a work order had been submitted to the credit reporting department to go in and retroactively report my credit, even though Ms. XXXX had reported to both myself and her response to CFPB that they had been doing this all along, except for the period of XX/XX/XXXX thru XX/XX/XXXX. Also in one of the multiple letters I received from Wells Fargo, it was reported to me that as of XX/XX/XXXX, they would start the process of actively reporting. On XX/XX/XXXX it was reported to the three major credit bureaus that my account was closed and paid in full. I had to call in and ask for this to be addressed but at this point Ms. XXXX reports that Wells Fargo did not report that, I am to believe that the three major credit reporting agencies just randomly chose Wells Fargo and chose to list my account as closed and paid in full. Please find attached an active copy of a report pulled on XX/XX/XXXX, which clearly shows the last activity from Wells Fargo as being reported closed and then reopened again on XX/XX/XXXX. Also on this you will see that Wells Fargo has me listed in two different types of bankruptcies-a chapter XXXX and a chapter XXXX. The process of reporting my account paid in full and closed, then opening it back up and placing the balance has affected my credit score tremendously and has caused three of my credit cards, to lower my credit limits. Also please notein the Additional dates area of this same document, it clearly states, Bankruptcy XX/XX/XXXX, Closed date XX/XX/XXXX. I would like sanctions brought against this company.
In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, Equifax, XXXX, and XXXX to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.
Back in XX/XX/XXXX I called Kholes to ask about their late policy, the lady I spoke with let me know that they report every 2 months and that if I made my payment for XX/XX/XXXX before the end of XX/XX/XXXX they wouldnt report and I would be ok. I made my XX/XX/XXXX payment in XX/XX/XXXX I believe and a couple of days later I got a notification from XXXX XXXX  that my payment history had changed. They reported me late after I was told that wouldnt happen. Since they I have called multiple times and I get told theres nothing they can do. I have even spoke with 2 managers and one was no help at all and the other stated she would put in a request to the credit bureaus I told her ok thank you. I then just got a letter on Monday XX/XX/XXXX that they can do anything once again and they are reporting correctly. This is my last attempt before I go to the XXXX. I have tried every avenue for them to correct their wrong doing after I was told one thing and then another thing happened. Its not fair to me to have to go through this situation with them and they have no sympathy or understanding of what happened and the simple thing I am asking for from them to fix it. This is my last attempt for Khols to make this right or my next step is to go through the XXXX. If once again I get a response saying theres nothing that can be dont I will go to the XXXX   and also close out this credit card and will never shop at Khols ever again. This is my first time having their credit card and the service they provide to their customers is poor.
Equifax compromised all my personal information. There current offer of 1 year protection is ridiculous. My information will not change even when I XXXX and it is now out there for someone to use. This is unacceptable and their response is laughable. Something needs to be done to a company that I have no control over my data with.
I have been making qualifying PSLF payments since XXXX XXXX on my direct student loans. I signed up for the program and have submitted 3 employment certifications since I signed up in XXXX. They are for some reason not counting payments I made from XXXX even though nothing changed. I always paid on time and was on an IBR and worked for the same company ( a XXXX XXXX community hospital ) from XXXX-now. I also noticed a qualifying payment rollback by about half during the XX/XX/XXXX billing period to which they can not account for. I called today XX/XX/XXXX to try and get this fixed and they said they will review it in the next 60 days, however I ca n't help but feel they have completely XXXX up my PSLF payments. I should be done paying in XX/XX/XXXX.
XXXX XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years  after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.
in 2006 my wife had XXXX and the final bill was XXXX dollars which insurance paid XXXX and I paid XXXX, some how a small bill for XXXX was overlooked and sent to XXXX XXXX in XXXX XXXX, SD which I paid right away and XXXX XXXX said they would recall the debt, well it never happened and 10 years later it is still showing as a paid collection account effecting my credit score and interest rates when I am applying for loans, each financial institution mentions it every time and that it effects my score by XXXX points, I have gone to long lengths with XXXX and XXXX to get this removed and they XXXX play the dumb role and say there is nothing they can do, believe me it is driving me crazy, I need this removed from Transunion XXXX, I have never miss a payment and I am proud of it, can you please help me out. I am sick of having these businesses push the consumer around and not correct a simple mistake like this.
XX/XX/2018 - filed complaint # XXXX Called Rep twice, XXXX XXXX @ XXXX XXXX, Rep never returned my calls Reading the response to my complaint # XXXX, paragraph 6 of the Summary of research is incorrect and it appears that the investigating repignored or " cherry picked '' all of the recorded calls I had with XXXX credit card reps. Specifically, there was no mention of my XX/XX/2018 conversation with XXXX credit card supervisor, XXXX in XXXX, who told me on XX/XX/18 that the {$100.00} promotional credit would be posted to my XXXX XXXX credit card account.
We purchased a car from XXXX of XXXX and financed it through Bank of America. After 45 days we had not received any info on the loan. We called Bank of America and discovered they were sending all our info to our old address that we have not been in for over 2 years and is in a different state. When we told them, they said it was our fault for giving the wrong address, which we did not. Then they blamed XXXX of XXXX. After calling XXXX of XXXX we confirmed that our loan application never listed our previous address. This is Bank of America not taking responsibility for their mistake. Their resolution was to send all the info to the right address but they would not extend our due date. They would not overnight it or email it so I could take care of it quicker. Then at the end of the call when she was going to give me the confirmation #, we were disconnected and she did not call back.
This has happen for the second time in 2 years! Please see attached letter to and from mortgage company! They made a repeated mistake on the Escrow estimate for the second time in 2 years and expect me to pay for it! A so called Internal accounting error! 

XXXX XXXX XXXX XXXX
About a week ago I initiated dispute with Transunion because I wanted the account to reflect the current total balance of my XXXX card ( with {$15.00} limit ). The card was getting very close to being maxed out but recently my husband took a loan and we paid it down to {$3000.00}, but Transunion was still showing a total balance of {$9000.00}. Yesterday I got a notification saying that the credit dispute was completed and the account was removed from my credit report. Well, the card is still open and active, and it shouldnt have been removed from my Transunion, they should have just updated the total balance to reflect the current amount ( around {$3000.00} ). The account was removed from my TransUnion report and it hurt my credit score. I called both TransUnion and XXXX several times and I can not get them to put the card back on TransUnion and they keep blaming each other. I want to get this fixed since paying down the card from XXXX to XXXX would surely reflect as a positive and add points to the TransUnion score.
You have failed to respond to a certified letter date XX/XX/2016. You are in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX County, FL Courthouse in order to defend yourself.
I am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/XXXX,  XXXX XXXX XXXX, {$3.00}, XX/XX/XXXX, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, Equifax Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, XXXX, Equifax and XXXX XXXX Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.
This is my second complaint for the same issue. The first resolution is the incorrect data was supposed to be corrected. I even received correspondence from Equifax that it would be removed. However, Equifax is still reporting XXXX XXXX as having a balance owed. This account was paid off XX/XX/2017. XXXX correctly reports a XXXX balance. 

I need this resolved.
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of   XX/XX/XXXX  90 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX  60 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  30 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure  how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Under the new law effective XXXX XXXX, 2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau Experian identification number XXXX and XXXX and XXXX reference # XXXX has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
I received a notice of unpaid tolls and charges from XXXX. The fees are from XXXX XXXX - XXXX XXXX, XXXX. The date of notice is XXXX XXXX, XXXX from XXXX. I have toll tags with XXXX. I will now have to research this payment that I already made and or was double charged to me through my tolltags. This is the first I know of this charge. It had been over