WillisBack/dataset-financial-user-claim huggingface dataset:
I helped my daughter and kids when she got XXXX and lost work to pay her house and continue paying mine, but the medical bills and other bills tolled us into financial hardship. She is better and got a job. I am a XXXX and applied for modification with carrington. Carrington is telling me that my daughter has to pay her lien for me get the FHA modification or they will close out the file and send it to foreclosure. I proved the lien is not mine, that lien is for another person 's name, and that the title for my house is in my name and not in that person 's name. See attached documents Please I need the title search to be run in my name MY house is XXXX XXXX XXXX XXXX XXXX. I am helping my daughter financially, but she is NOT in my title at XXXX XXXX XXXX XXXX XXXX, XXXX nm XXXX The problem is that we knew about the issue of the lien just this Tuesday, not before, and we have a deadline for Friday or they will close the case? I already made the trial payments
I have a XXXX XXXX  Account. It shows on my credit report that the account is closed. My credit score dropped from around 680 to 630. It also does n't have the correct amount of money I owe from XXXX XXXX. I tried going through XXXX XXXX  but nothing came of it.
I recently contacted Experian via dispute process if several items incorrectly reporting in my credit file the items and there incorrect information are noted below 1. A bankruptcy filing is listed the item was disputed and removed from the file in XX/XX/XXXX the bureau has added the item back to my file but did Not provide the 5 day notice to me as they are required by law to provide 2.  XXXX XXXX account listed in report doesnt have correct term shows 1 month no last date of activity and No historical payment history 3. XXXX XXXX XXXX # XXXX shows no historical payment history no last date of activity 4.XXXX  XXXX # XXXX shows no historical payment history, no term last updated XX/XX/XXXX 5. XXXX XXXX # XXXX last updated XX/XX/XXXX no historical payment history and no term All items above were previously deleted and added back to file without the required 5 day notice to me the consumet
I 'm not sure what category this applies to, but it goes like this. I cosigned for my daughter 's student loans that she obtained through  XXXX  over the past 4 years, and they have accumulated to more than {$40000.00}. She is still in college at this point. Last month I received a letter from  XXXX  stating that as of  XXXX   XXXX  the amount of the loans will be shown on my credit reports with my debts. This effectively hurts my debt/income ratio severely. The result is that as of  XXXX   XXXX , my credit score was  XXXX . As of  XXXX   XXXX  it is  XXXX . So from now until the student loan is paid off, every loan I get is going to be at a higher interest rate, which means more money in the pockets of the lenders. I do n't know which category a complaint about this would be filed, but it sure is not right!
With Equifax, I have submitted the court documents of the identity theft I have been dealing with regarding a XXXX Credit Card, XXXX XXXX, XXXX XXXX and a debt collector account. After the documents were submitted they stated that the debt is mine and refuse to remove it from my credit report. XXXX has removed the accounts, and it has now gotten to the point where I can not get student aid due to the credit reports. I 'have called Equifax multiple times with no avail and filed multiple reports with the same answer over and over. I am just hoping someone can help because I have gone through the police and the courts, but what will satisfy this company to fix my report?
On XXXX of 2017 I sent out a request and notice of BILLING ERROR regarding my account. I only received statements in response which did not answer the questions to my concerns. I have now checked my credit report and Chase has  reported me as delinquent. This goes against the FCBA. THEY have violated the law stating they can NOT collect or report to bureaus until they 've addressed the billing error. My rights have been violated and I 'm prepared to Persue legal action if this matter is not cleared. Under FCBA THEY HAVE 90 days at most to validate. They have NOT! This account is null in void. My credit WILL REMAIN INTACT! I know my rights and will enforce my rights to the full extent of the LAW!
XXXX XXXX RAN MY CREDIT TWICE WAS SUPPOSED TO XXXX TRANSUNION AND XXXX  ERRORS.
We submitted an investigation request to the credit bureaus on XX/XX/XXXX. Over thirty days  have past, but XXXX and Experian have not responded yet. I am attaching a copy of the request we sent on XX/XX/XXXX.
Tips for Getting Started consumers financial protection from fraudulently illegal Hearing of Default on mortgage, Jefferson Parish Sheriffs mortgage and conveyance office notice mailed by XXXX XXXX XXXX causing National FBI game Forced by Jefferson Parish constable,  Jefferson Parish Sheriff XXXX XXXX, and XXXX XXXX spends fair housing funds on 30,000 plastic cups, 23,000 pens, and 19,600 keychainsIllegally and fraudulently do to ADA by 2nd parish Jefferson state of louisiana illegally locked Homeowners XXXX XXXX XXXX wife XXXX XXXX XXXX and XXXX out of out of house On XX/XX/XXXX bybJefferson Parish Sheriff 's Office and Jefferson Parish Constable along with XXXX XXXX XXXX and XXXX XXXX stated that they are the orders signed by XXXX XXXX XXXX deputy clerk of court and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to serve and give family 10min to get out of location XXXX XXXX XXXX XXXX Louisiana at XXXX XXXX on XX/XX/XXXX to  illegally and fraudulently evict Homeowners XXXX XXXX XXXX And XXXX XXXX and grandchildren out on the streets of their own home by threaring to arrest and put grandchildren in foster care imposing a illegal tax evasion to discriminate against locking Homeowners out of their mail stop permanent residence registered mail delivery first class profiles and records transferred to United States Department of labor , Jefferson Parish Clerk of Court and juvenile intake Center, Jefferson Parish Family court and Jefferson Parish Sheriffs office fraudulently illegally withholding Unemployment status injuries Personal injury lawyers Law firm Annual Scores, scholarships, XXXX XXXX XXXX XXXX final notification providers management services XXXX XXXX ADA XXXX XXXX team Staffing wealth data breach on permanent payee payments profiles mail stop delivery address Homeowners update existing capital terminology, in particular to introduce the term 'Total Capital Requirement ' ( TCR ) to refer to the amount and quality of capital a firm must maintain to comply with the minimum capital requirements under the Capital Requirements Regulation ( XXXX ) ( XXXX ) ( XXXX ) and the XXXX XXXX capital of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail stop delivery perment profiles address XXXX XXXX XXXX XXXX , louisiana XXXX XXXX moved to safe storage unit # XXXX due to homelessness
I have had trouble with navient for quite some time. I don't know if I'm one of the people that has been hustled from them but I know my time with them has been a struggle. This past winter they took out two payments and I had to go through hoops to get a payment back. They even tried to say that they have no record of it. Their information they gave me over the months was very inconsistent. They changed my payments without telling me as well. I was paying {$40.00} a month with such high interest that nothing was getting knocked off my total debt. They recommended this much for me and told me that with the income based debt deal, the interest would go down and it would make a small dent overtime. But my bill kept getting higher and I didn't know how. But as I said they changed it without telling me to XXXX a month based off the same income that I had before and didn't have a good reason as to why that's the lowest they can go. I feel like my total amount due should be much less than it is to this day and they somehow screwed me. I'm also angry that they're taking {$100.00} a month and it doesn't seem to be doing much. I complained about them not telling me and they gave me a bunch of excuses and didn't give me good reasons to anything.
I was having a collection account with FAIR COLLECTIONS & OUTSOURCING which I was not aware of, they never tried to reached me or call to settled.     I paid them and they assured to removed the account from my credit report which they 've never done.
XXXX XXXX told me someone checked my credit score without my consent and it looks like someone is trying to open an new account on rise and i have not authorized to set up an new account
On XX/XX/2018 I sent out a validation letter to Pinnacle LLC/ XXXX   for 2 collections in the amount of XXXX $ and XXXX $ dollars that they say I owe. I requested their offices to provide me with competent evidence that I have any legal obligation to pay them or If they can prove I owe the debt.I also included if their offices are able to provide the proper documentation as requested I will require at least 30 days to investigate the information and if your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file of all 3 major credit bureaus XXXX, XXXX, and XXXX and a copy of such deletion request shall be sent to me immediately. They received the letter on XX/XX/2018 at XXXX 40 days ago and they have yet to Validate the debt they say I owe. So I'm asking you all to please help me to get a response to deletion of these accounts that was not properly validated.
our mortgage was paid on time in full each month, but we got a letter from the homeowners insurance company saying we had lapsed coverage for over a year as a result of Wells Fargo taking our money and not putting it into escrow. Had an accident happened during those 12 months, we would have been liable for damages which we had already paid insurance for. Wells-Fargo is a dangerous place to keep your mortgage
I 'm not sure that this is the correct option for this particular complaint. Here is the issue : I was told by a local government job placement training to check my credit report to enhance my chances of getting a job. I was told to go to XXXX, and that it was a free service. Indeed, when you first log onto XXXX, it says that it is completely free ( see screen capture attached ). All throughout the application process, it says that the service is free. 

I do n't remember ever going to the official Experian website. But I do remember agreeing to paying {$1.00} to find out what my credit rating was. Being that I am unemployed and have no substantial source of income, that is all I could afford to pay. 

Today, Experian withdrew {$21.00} from my checking account. When I called them, they said it was because I had logged on to XXXX, which is owned by Experian, and that I had agreed to pay the {$1.00} charge, but that since I did not cancel my membership after 7 days, I was charged {$21.00}. 

So, I went directly to the Experian website and at the top of that site, it says that you can get your Credit Report for {$1.00}. No mention is made regarding a " membership '' or a {$21.00} charge. In that same section is the call to action button, which says " Get Your Credit Report and XXXX Score. '' If you click on that button, which you normally would after reading what it says above it, you will have missed what it says only if you scroll down that page, in fine print -- that the {$1.00} charge is in fact a membership fee that turns into an additional {$21.00} after 7 days. 

This is HIGHLY MISLEADING AND FALSE ADVERTISING, especially if it is linked to the XXXX site. 

Also in the process of filling out the information for XXXX, I remember reading that, if you make false statement to Experian, you will be prosecuted by the Justice Department. I do n't remember where exactly I read this, but I was shocked because it gave the impression that credit report agencies are part of the federal government, which is misleading. 

Thank you for your attention to this matter.
I attempted to access my experian credit report and a message came on, I could not access my credit report at this time. I placed a fraud alert on my credit reports 2 days ago I 'm not sure if that has anything to do with their refusal to let me access my credit report at experian. 
XXXX sent me a letter declining my request for credit and stated their decision was based on information from an experian credit report, if I ca n't access the report how can I dispute any problems?
I trade in XXXX Nissan Atlima for purchase of XXXX Nissan Altima. Sale was finalized XX/XX/XXXX. As of today XX/XX/XXXX XXXX Atlima payoff loan has not been paid to XXXX XXXX XXXX. The payoff amount {$23000.00} which include trade in value XXXX negative equity of XXXX that was financed with new car loan. 

XX/XX/XXXX I was told check had been process and received by XXXX XXXX XXXX. 

XX/XX/XXXX went to Texas XXXX XXXX XXXX and I talked with XXXX in fiance . I asked XXXX, if XXXX Nissan Atlima payoff loan had been paid to XXXX XXXX XXXX XXXX because I received phone call regarding XX/XX/XXXX payement. XXXX stated, " he could n't answer that question because accounting was closed, that he would give me a call on XX/XX/XXXX regarding payoff ''. 

XXXX did n't call me until I called him and left messages. When XXXX return phone called, XXXX stated ; " that check was processed and receive by XXXX XXXX XXXX XX/XX/XXXX ''. 

XX/XX/XXXX returned to Texas XXXX XXXX XXXX regarding check being paid to XXXX XXXX XXXX for payoff amount of XXXX Nissan Altima because I received another call about XXXX payment from American Credit Acceptance. 

On XX/XX/XXXX I talk with XXXX in fiance he research some information, printed off some paperwork. XXXX then stated ; " he would contact accounting on Monday XX/XX/XXXX and give me a call. 

XX/XX/XXXX XXXX returned my phone, " stated that check had been processed and receive by XXXX XXXX XXXX XX/XX/XXXX '' for me to call XXXX XXXX XXXX to see why payment had not been process and applied to my account. 

XX/XX/XXXX I called XXXX XXXX XXXX regarding payment history update. Of course, I was told No check has been received from Nissan Motor Acceptance/Texas XXXX XXXX XXXX. 

I had been told different information regarding payoff for traded-in XXXX from personnel of Texas XXXX XXXX XXXX. This is very unprofessional business from this company.
United Consumer Financial Service is trying to collect on a debt for so called house alarms that only cost XXXX and they charged XXXX for them. This was flat fraud on people who do n't know better. XXXX XXXX is a collection agency for them also and has sent multiple letters.The company that comitted the fraud is out of Missouri. But not sure of the address.
To whom it may concern : I am writing this letter to dispute several inaccurate accounts reported to my credit. 
I would like assistance in investigating these items as soon as possible.Some accounts to my personal knowledge are paid in full or were reported to my credit under fraudulent activity. I am able to provide records and documentation to assist in repairing my credit at request. 

I appreciate your time and dedication to helping me with this matter. Please contact me for additional information or questions you may have. 

Sincerely, XXXX XXXX XXXX
My ex-husband and I had a home equity line of credit with Bank of America ( CLOSED acct # XXXX ). The home was sold in XXXX, had never been late or delinquent since opened in XXXX. Almost a year later, after closing, while applying for a loan for a vehicle, we pulled our credit and saw a " past due balance of {$200.00} '' that was being reported as delinquent. We had no idea. We called Bank of America and were informed that this balance was " interest that had been accruing during the short sale process '' ( all mortgage payments were made on time during the sale process ). Somehow an error had occurred during closing and this interest/balance was just sitting out there and not included in the final fees... someone saw the mistake and tacked it on AFTER THE CLOSING. When we found out, we offered to pay the balance to clear our credit and we were informed that we " could not make a payment on a CLOSED account ''. They basically said there was nothing that could be done because the account was CLOSED. We continued to contact them to attempt to resolve this, no luck. Last year, while attempting to purchase a home, this was a major problem again and we began battling with them again. Each agent I spoke with said that there are notes in the record documenting what happened ( an error with interest that was NOT a part of the closing, could NOT pay on a CLOSED account ) but there was nothing they could do about how it was reported. Last year after multiple calls again, and agent stated that their " policies had changed '' and they said that it was NOW POSSIBLE to pay on a closed account. I paid the balance of {$200.00} that day and it now shows as " paid as agreed '' on my credit report. However, it is reported differently to the 3 major agencies and when a bank pulls my credit, it shows as " past due '' and " delinquent for 23 months '' ( the time between when it started and their policies changed allowing me to pay on a closed account )... which still negatively impacts my credit and I was denied for a loan 4 times because of this... this is the only NEGATIVE on my credit report. This should NEVER have been reported as " past due, delinquent, etc. '' This was an error on Bank of America 's end at closing to begin with, it was tacked on AFTER CLOSING and we were NOT INFORMED, when we realized this we attempted to pay immediately and were NOT ALLOWED to pay because it was a CLOSED account, our multiple calls, attempts to pay, and Bank of America statement of what happened is reportedly documented on the file ( per several agents ), and once their policy changed I paid this {$200.00} balance the same day. I would like the historical report of a " past due {$200.00} '' TOTALLY REMOVED from my credit report. Because I paid it in XXXX, it will now be reported again for 7 years from the date of last activity. This is not fair, as it was not my fault to begin with, as noted above. This has unjustly, negatively impacted my credit, ability to get a mortgage, and ability to get the best rates for years.
My wide & I have been looking for a house on XXXX for a few months & the site suggested we talk to a loan office to get pre-qualified. We submitted our information and soon enough XXXX XXXX XXXX from IMortgage called us to discuss the process. 
We gave him all the necessary information and within a few days we had a pre-qualification letter for {$300000.00} and we started to talk to a real estate agent. We found the house & started the process of getting the mortgage. The numbers from IMortgage were good & we believed the house was affordable. We paid the Due Diligence money ( {$1500.00} ), the Ernest money ( XXXX ) and paid for inspection ( {$490.00} ). I also was told to pay my taxes in full ( {$10000.00} ) instead of monthly installment. 
We had the closing date set for XXXX XXXX and everything seemed to be working fine. 
Just two days before the closing, XXXX XXXX called me and stated something is wrong with the number. He made a mistake & did not calculate the HOA fees correctly and so we can not close on the house. That was a decision from the underwriters and there was nothing he can do about it. 
I called his supervisor ; XXXX XXXX XXXX to complain who promised to find a solution and will call me back be he never did. Instead, XXXX XXXX called to state he knew I called his supervisor but still, there 's nothing he can do. 
My lease on my apartment ends on XXXX XXXX and the apartment management told me that we have to vacate it because it 's already rented. I have a XXXX woman & a XXXX year old daughter and I 'm not sure what to do or where to go. Our lives are a mess because of their mistake and they 're not even showing any remote compassion for us.
I received a collection letter from Transworld Systems and  a treath for wage garnishment for something I dont have a record that I owe money. I have no idea who they are at why am I being harassed by these company?
Medical debt has exceeded the statue of limitations time period in California which is seven years. I have disputed the cases which is 4 on my credit report from XXXX and XXXX. XXXX has deleted and removed accounts but XXXX has not and will not remove the files. After several attempts to dispute them. Data central continues to report on mine and my husbands credit report.
My mortgage and bank are both Wells Fargo. Every two weeks, they automatically reach into my main account and pull half the payment for the mortgage. This is fine. I also pay extra. Sometimes every week, sometimes not. It varies how much I can pay. Recently, it 's been {$100.00} dollars every week with billpay that goes to the mortgage. Most of the time it is applied to the principle, that I can tell. I had some extra money that I chose to pay into mortgage, {$1000.00} dollars. When I transferred it, the money just sat in the mortgage account, but not applied to the principle. About a week later I called them to ask why. They said that it went into a " suspense '' account because it was n't enough for whole payment. But, they already have whole payments when they pull them out. This was supposed to go to principle. They said they would shift it around, but they did n't do it right. Several hundred dollars off of that XXXX did n't make it into the principle. I called a few days later, and they said they would try everything again. 

I requested an audit on my mortgage from the beginning of the loan, 4 and a half years, to verify that all payments are going where they are supposed to go. They wo n't do that. They only say that they have now " re-coded '' my loan so that any future extra payments will now go to the principle. They 've been taking their share automatically since the beginning of the mortgage. Why was n't it " coded '' that way from the beginning. 

I suspect that WFB has been cheating me from the beginning.
I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through Santander and the various agencies they worked with. Once my account was current Santander reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated. 

If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly. 

Santander has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with.