WillisBack/dataset-financial-user-claim huggingface dataset:
My mother died on XX/XX/XXXX, and had what appears to be a predatory loan ( designed to fail ) with Wells Fargo Bank, which I thought was for a motor home purchased in XX/XX/XXXX, and would soon be paid in full. Even after providing Wells Fargo with my mothers Death Certificate, the Probate papers appointing me as the person of interest ( executor ) of her estate, and Durable Power of Attorney, Wells Fargo has been defiant at providing me copies of the complete loan papers, including moms signature and the Notary stamp/signature and dates. I have been requesting these papers since XX/XX/XXXX ; and Wells Fargo has promised them 1st on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and lastly on XX/XX/XXXX -- - all of which have passed with no loan papers being provided. 
This loan was supposedly originated on XX/XX/XXXX in the amount of $ XXXX@ 8.75 % ( variable XXXX + the XXXX XXXX   Offered Rate thru-a maximum of 14.750 % ) interest and on a 30 year Home Equity Contract ( home assessed value in XX/XX/XXXX of : {$71000.00}, or 104 % of the home 's assessed value ). At the time, my mother was XXXX years old, and receiving Social Security and a small pension, totaling about $ 1500/mo. The loan payments ( {$680.00} per month ) equaled about 47 % of her monthly income, would have matured when she was XXXX yrs old. 
Through the Probate attorney, I acquired a copy of the Deed of Trust, and through that, it appears the loan : ( 1 ) originated on XX/XX/XXXX, and ( 2 ) Was signed, but not dated by my mom on page 18, and witness signature spaces are blank ; ( 3 ) Was Notarized on page 19 XX/XX/XXXX ; ( 4 ) The Variable Interest rider is on pages 20-22 ; ( 5 ) Mom signed again on page 23, but again not dated, and no witnesses.

( 6 ) A Rider titled : 1-4 Family Rider is on pages 25-26 of the Deed of Trust, with no signature or Notary following.

( 7 ) The Deed of Trust is dated XX/XX/XXXX at XXXX XXXX, and cites 26 pages. The Deed of Trust, in fact, is actually 29 pages long. ( The three additional pages are court documents placing liens on her property. ) ( 8 ) XXXX XXXX XXXX XXXX is listed on the Deed of Trust ( Escrow? ). 
( 9 ) XXXX XXXX XXXX, XXXX is listed as Trustee of the Loan After 12 years of payments on this supposed loan, my mother still owed {$62000.00}, and had paid approximately {$100000.00} on it, and was then XXXX years old ( with 18 years left on the contract ), when she passed away. There is no indication that she purchased, or paid for, anything near this amount in this time frame -- - she basically lived a paupers life ( I sent her groceries and supplies ). 
Please help or advise, XXXX XXXX XXXX ( for XXXX XXXX, dcd )
I have placed a fraud alert with all credit bureaus as of XX/XX/2018. I received a copy of my credit report to see that the same companies, sometimes up to 3 or 4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX on XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX *
I checked my credit and Allied Collection service has place a.collection on my credit for {$250.00} They show the account open 3 months ago. I never had any communication with them. I sent them a debt validation letter ( certified mail ) over 30days ago and still haven't received anything I do not owe this
XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( Equifax, XXXX and XXXX ) and the account is paid in full.
Was offered XXXX points for the Citi XXXX Card after spending {$0.00} within three months. Called multiple times and was told the points would be added to my account. Talked with numerous managers that confirmed I would see the points. It has been over three months and I 've seen nothing.
XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a Chapter XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX  XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the three credit reporting agencies to correct this information to no avail. I also provided the 3 credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my Chapter XXXX Attorney and will file a grievance with the bankruptcy court against this company and 3 credit reporting agencies.
credit bureau is consistently reporting the wrong personal information. I have faxed over ss card, ID, bills, etc to get information corrected nonetheless they are continuing to report incorrect information. The incorrect reporting is hindering me from obtaining credit.
I previously had a mortgage through PHH Mortgage. I recently refinanced my mortgage through XXXX. XXXX requested a current pay off statement from PHH on XXXX occasions in XXXX and PHH refused to provide a current pay off statement. They initially provided a payoff statement through XXXX XXXX and then provided a payoff statement through XXXX XXXX. We closed our refi and sent payment on XXXX/XXXX/15 to PHH overpaying our interest through XXXX XXXX. PHH refunded the balance of our escrow account. However, they DOUBLE PAID our PMI first before refunding. Our PMI was current and there was no reason for the double payment. We no longer use the same PMI company and I believe I am owed a refund of the duplicate payment. PHH has also not refunded the overpayment of 20 days of interest ( XXXX through XXXX ). I have called PHH to request info on where my overpayment went and they have refused to provide info. I asked for a statement of how much my overpayment was and they advised they did not have that information. They did not answer my question when I asked about the duplicate PMI Payment. They offered to send me a list of my payments XXXX which I am able to see online ) but then never faxed it.
Santander has been reporting delinquency statuses for XXXX XXXX and my husband, XXXX XXXX credit profiles to all three credit bureaus. The accounts has been paid in full/ XXXX balances since XXXX. The information was recently on the credit bureaus reported on XX/XX/XXXX indicated that the accounts are in delinquency status which is completely false. All accounts has been paid in full and have been closed for over five years. I dont understand why Santander is reporting inaccurate information for me and my husband. Santander accounts should be completely omitted from our credit profiles.
On XXXX XXXX I tried to log start a dispute online but they ask my identification questions and I answer the question truthfully and they gave me an error message that the information was wrong. So i called them.If you guys asking me questions that dont have anything to do with me.How do you expect me to answer those questions. Anyways I called them in regards to these inquiries and spoke to a U.S. Representative and after speaking to that person about the identification question and my inquiries she stated that they will be remove and they are still there. This company willl allow people to run my credit illegally but take me through XXXX to remove them. These inquiries were unauthorized XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX
On XX/XX/2018my account was debited automatically in the amount of {$1900.00}. On XX/XX/XXXX XX/XX/2018 I made an additional payment of {$1900.00}. My banking intstitution placed a stop-payment for the payment on XX/XX/18(  {$1900.00} ) however, the second payment made on XX/XX/18 was verified as clearing through my financial institution ( trace no. XXXX ) however HomePoint Mortgage has not applied it to my account after several attempts to speak to customer service to apply the payment. This has now reached the point where they are indicating they will report this activity to the credit agencies and have been unwilling to properly address the issue.
XXXX XXXX falsely reported me to the all three credit bureaus during a disaster relief period and post disaster relief period. First in XX/XX/XXXX I requested an extension. I was granted a one month extension which ended up being a one month suppression of credit bureau reporting and payment due ( was not my understanding and I am in the XXXX ). After this was straightened out, I brought the account current at the end of last year. My XXXX payment was returned illegible. This illegible payment took three weeks to be returned to me, no phone call. XX/XX/XXXX, I make both payments as soon as I was notified. All payments for XX/XX/XXXXhave been made on time and verified by XXXX XXXX this morning, however, I have a letter and copy of the credit bureau showing they have reported me 30 days behind XXXX throughXX/XX/XXXX ( Completely incorrect ).
XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX XXXX XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX XXXX Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX XXXX XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove
On XX/XX/XXXX I send money via XXXX which is link to my Chase Freedom Credit Card I send money to XXXX XXXX for {$600.00} I did not purchase or receive any kind of Service. 
I was chatting with a person in the Internet and I was told in order to set up a meeting I would need to send money for {$600.00} to XXXX XXXX. 
Later I discovered that it was a complete Scam there is no meeting. I Immidietly inform my Bank Chase and XXXX to cancel Transaction. I was issued a Refund via Chase Freedom and the Transaction was canceled. 
Then on XX/XX/XXXX Chase Freedom process the {$600.00} Transaction of the money I send to XXXX XXXX and the refund was canceled. 
I called and set up a complaint. Chase is in Favor of XXXX claiming charge is Valid. 
I set up a complaint. XXXX didn't want to do anything.
on XXXX/XXXX/2015 at XXXX i visit XXXX XXXX # XXXX, they represent Money Gram, i send XXXX us dollar international to the XXXX XXXX under XXXX # XXXX, originator XXXX XXXX XXXX, to be receive by XXXX XXXX XXXX, the money until today XXXX/XXXX/2015 at XXXX shows as in hold by money gram, i try all possible options to comunicate with the company and they just place my call in hold, the XXXX XXXX XXXX XXXX me that they have no way to help me on this issue
I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit. 

I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX on my credit.
I have files multiple complaints about this company and how they do not do business right. XXXX does bad business, first they sent my debt to XXXX and XXXX who entered a judgement against me never served me the court papers also seized my bank account and tried garnishing my paychecks. I filed a complaint they investigated and found out they did not serve me. The judgment entered against me was set aside on XX/XX/2018, XXXX advised of this in the previous complaint response CFPB Case # : XXXX, which means its no longer valid, they can not collect or try to collect. Now I have Central Portfolio Control-CPC calling my parents house which I do not reside, and they are calling frequently. I spoke with a gentleman XX/XX/XXXX who advised me of an Active Judgment case # XXXX and they are trying collect a deb, I told him that judgment was set aside, no longer valid and he said no he shows it active, mind you I have not received and notification of this judgment becoming active again. So I called XXXX County Civil Courts this morning XX/XX/XXXX and spoke who confirmed that this judgment case # XXXX has been set aside XX/XX/2018 and is not valid. Also as of Today this specific debt was removed from my all 3 of my credit reports.
Transunion refuses to give me the name of the person who they contacted regarding a reported bankruptcy on my file. The list the source of their information as the US Federal Bankruptcy Court- XXXX . I have contacted the court and they have stated that due to privacy laws, the Court does not disclose information to credit reporting agencies. So, Transunion has not properly disclosed, by law, the person ( s ), or agency ( third-party ) who gave them this information. It is well known that the CB 's contact third party agencies for information ; and these third-party agencies sell information to the CBs. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Court confirmed TransUnion Credit Bureau has never validated or verified the public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources, unawares to the consumer, and in most cases, incorrectly. A copy of the letter from the Bankruptcy Court is attached that says it does not disclose information to credit reporting agencies.
I owed BOA XXXX. I paid them XX/XX/XXXX with a Certified check for XXXX ( sale amount from XXXX XXXX ) I have not recieved the money difference or title.i was told 3 days then 3 weeks and I still have nothing.
Dear Sir/Madam : Recently, Bloomingdales reported a 30 day LATE PAYMENT to all Credit Bureaus stating that I was late 30 days. I never received an email statement nor a paper statement telling me that there was a {$82.00} balance due and I have several accounts and I keep track of all the accounts and make timely payments as I receive statements. My credit score has always been about 785 FICO with the 3 Credit reporting Agencies. Today, my credit score dropped to XXXX due to the fact that BLOOMINGDALES CREDIT reported 30 days LATE Payment to the Bureaus. I immediately contacted the Bloomingdales Credit Department and after waiting ror over 45 minutes being on hold, I was able to speak to Ms. XXXX in Bloomingdales Credit Department I explained the entire situation to her that I never received a statement via email for the past 2 months which I always receive on a monthly basis and I requested that the 30 day past due late payment reported to the credit bureaus be removed and show as being current since it is not my fault that I never received a statement from Bloomingdales and how can I be held responsible. 

The only was I found out that my payment was past due was because I received a phone call from Bloomingdales Customer Service after 2 months letting me know to call Bloomingdales for an important business matter and when I called Bloomingdales Customer Service, I immediately made the payment of {$44.00} and Customer Servicve removed the {$38.00} late fee on the account which brought the balance down to {$0.00}. Since I was on the recorded line with Bloomingdales and they informed me in the beginning of the phone call that all calls may be monitored for quality assurance purposes, I was told by the Bloomingdales Customer Service that there would be no negative reporting to any credit bureaus and I am sure that conversation was recorded on the Bloomingdales phone line since they record calls like the rest of the companies for quality assurance reasons. 

I even requested to speak to a Bloomingdales Credit Department Supervisor and she even refused to assist me in this matter. I explained to her that it was Bloomingdales fault that I had not received statements from them for the past 2 months and she was another rude person just trying to state the facts the the negative reporting would not be removed. I have no where to go to but to come here and pleasd to your organization. 

I recently applied fr a new mortgage application and my mortgage loan wold be denied if they see that there is a recent 30 day late payment on my credit bureaus from Bloomingdales. I have an excellent record and my credit score has always been above 780. I am requesting that Bloomingdales be contacted and that I receive assistance in getting the 30 day late payment record removed from all 3 credit reporting agencies. 

Thank you XXXX XXXX XXXX ( Cell )
Regarding Experian Public Record on my Credit Report, I filed a chapter XXXX bankruptcy XX/XX/XXXX ( more than 10 years ago ) I filed a chapter XXXX bankruptcy, dismissed in XX/XX/XXXX ( more than 8 years ago ) **They are both still on my Experian 's credit reports. 
See documents attached below. Thanks much : )
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
I recently refinanced my home. Green Tree was my mortgage company, but I refinanced through XXXX. Green Tree owed me excess funds that were in my escrow account with them. Green Tree issued a check in payment, in the amount of {$1000.00}. That check from Green Tree bounced, as the check was written on a closed account. I have contacted Green Tree Customer No-service XXXX times ( XXXX XXXX & XXXX, and XXXX XXXX ) via telephone. On XXXX XXXX, the GT representative said that the process of cancelling the XXXX check and reissuing a replacement check could take up to XXXX days. I find all of this to be outrageous! First, that they would make such a mistake ( if it is a mistake, and not a policy to delay payouts ) and secondly, that they are dragging their feet in terms of rectifying the situation. Green Tree Servicing, and Green Tree financial are well-known for bending/breaking the rules and for terrible customer service ( see the Victims of Green Tree page on XXXX, if you doubt me ), and such abuses need to be stopped! I am retired on XXXX, and am XXXX. The {$1000.00} is a huge amount of money to me, and they do n't seem to give a XXXX. I have been informed that issuing a check when there are no funds behind it is a criminal offense. I believe it is possible that Green Tree may routinely do to others what is being done to me, in that they are able to make money on holding their customers ' money while they delay paying what is owed. For a very large company like Green Tree, those small amounts could add up to a significant amount over time. Meanwhile, I have a new mortgage to pay without having that {$1000.00} to aid in doing so.
So I disputed an account on my credit report and it was returned as the address not being good. I sent it to the address on my credit report and it was returned to sender. This means the account is not verifiable and a violation of the FCRA.
I have student loan with Navient and been trying to either lower my payments are get into a program that can help me pay off my loan and couldnt get no progress
I have already begun a dispute of the validity of a series of debts being reported on my XXXX, XXXX and XXXX XXXX reports with CCS AKA Credit Collection Services AKA Credit Control Services but upon doing further research about the company in question I have come across a major violation of FDCP and Ohio debt collection law. CCS AKA Credit Collection Services AKA Credit Control Services as of XX/XX/2017 and present are not and have not been registered to do business in the state of Ohio and as such is in violation of attempting to collect a debt within the state of Ohio, my state of residence.
Consumer portfolio control company, threatened wage garnishment, lawsuit and arrest if i do not pay them on an account no longer on the credit report. this company calls me everyday from XXXX this is a XXXX California number and said If I pay the debt they bought they would quit calling Stop these people dead in their tracks they use terrible tactics
There are XXXX collection accounts in my Transunion credit file that are older than 7 years and should be removed. In XXXX cases the collection agencies move the open dates of the original debt in order to keep the debts within the 7 year window. This is a common practice with large debt collection companies like XXXX XXXX and XXXX, XXXX and they should be investigated for using these tactics.
I recently sent a dispute into transuion asking the company to deleted unauthorized fraudulent inquiries. XXXX and XXXX have deleted these unauthorized fradualent inquiries, but transuion has n't. The inquiries are still associated on my transuion report. I have attached proof that that these inquiries were deleted from my XXXX credit report and no longer reports on my credit report. I formally request that the following unauthorized inquiries be immediately removed from my transuion report to show my true credit history, as these items should not be reflecting on my credit report.
I am trying to close a line of credit with Key Bank ( formerly First Niagara ). The process has dragged on for more than 30 days. I can not open another line of credit at my new bank because the lien on my Key Bank account is still on file with the State of Connecticut ( where I live ). Agreed upon account termination timelines have gone unmet despite promises from well-meaning staff at my local branch.
I am forwarding to Chex Systems the police report. I am disputing three items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Citi bank On XX/XX/2018, I opened a saving and checking account and I was told by the representative that I will receive {$400.00} bonus if I keep the accounts open and maintain the balance above {$15000.00} for 60 days which I did. 

After 60 days, Still no bonus, I called the citi. They said they need 90 days for investigation and ask me to keep the account and money in the account. 

This is a FRAUD ... 

Citibank case # XXXX