WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion reporting agency is not updating my XXXX account. On XXXX XXXX 2016 i contacted XXXX XXXX XXXX department and they sent out a letter to all XXXX consumer reporting agencies instructing them to update my information. However when I contact Transunion on XXXX XXXX they said that it was not possible to update my information even though a letter had been sent from XXXX to do so. They refuse to update my account information to this day. Please see attached documents.
I am refinancing my mortgage with my mortgage banker. ( Same person who did my original mortgage. ) Since my credit was pulled, I am getting a lot of mailings with refinancing offers which is expected. I received the attached in the mail, and was almost tricked into thinking these were from my original mortgage banker XXXX XXXX XXXX. Due to the confusion, I went out of my way to call XXXX XXXX XXXX and ask them about this. 
I looked up some of the regulations, and found that this was not supposed to be happening. 
Regulation N defines mortgage credit product as any form of credit that is secured by real property or a dwelling and that is offered or extended to a consumer primarily for personal, family, or household purposes. For a mortgage credit product, the regulation prohibits certain material representations in any commercial communication about any term of a mortgage credit product, including : The association of the provider of the mortgage credit product with any other person or program ; I am hoping something will be done to limit this type of marketing in the future.
On XX/XX/2018 at or around XXXX, I received a phone call from a blocked number stating that they are from the county, and are wanting to meet up with me to have me sign a legal document, and that I am being sued by the company filing the paperwork. I was instructed to call ( XXXX ) and reference a file number. The number provided is for a collection agency called XXXX. XXXX informed me that it is a debt with a company called " Account discovery systems '' who hired them to collect a debt from the originator ( XXXX ). When I asked XXXX to validate the debt, they asked for my email to email me the validation. I denied- as I wanted to send them a formal letter asking for proof of the debt. They denied providing their address and claim that they're not allowed to provide their address. I had stated that I want proof that I owe the debt, however the person who I was speaking with, became irate, and belligerent stating that they will close my case and suggest legal action if I don't pay.
I reached 80 % L.T.V. on my mortgage in XXXX 2016. I wrote and e mailed a request to have P.M.I. dropped to no avail. At 78 % L.T.V. it should have dropped automatically but it didnt. I have spoken to 10 different people at Key Bank about this and no one cares or does anything to rectify the situation. They gave an excuse that it was still in effect because I owed a {$45.00} late charge which never appeared in any of my monthly statements. I paid it and still I am being billed for P.M.I. for 15 months after it should I have been dropped. I have never dealt with a company that has treated me so poorly and has shown zero interest in resolving the problem. Currently I am investigating if what they are doing is even legal and looking into filing a complaint with the Attorney General 's Office.
I received a letter on XX/XX/2018 was the date on the letter so I got it a few days later. 
It said to pay this amount within the 30 days or send a dispute. Wasn't going to dispute the outrages interest, I sent them a check in the amount at the top of the page. 
sent on XX/XX/2018 I wront on there as I do on all final payments " paid in full ''. 
They returned the check XX/XX/2018 with letter, it was the wrong amount they added an additional {$38.00} on to the bill. 
Then I receive another letter from the original creditor for another {$38.00} totaling the bill now at XXXX. 
First who do I pay? Second I am not paying all these extra charges since all they have to do is hold back a check and charge me more. I do not know if they are on commision or not but it looks like it.
Ditech is a substandard lender and needs to be looked at further for thier illegal tactics. On XX/XX/2017 my son returned home from a four day trip to Florida. When he arrived and tried to use his key to enter the front door of our home, he was unable to because the home had a lock on the door and his key did not fit the lock so he went to the side door to enter the property, only to find out someone had been in the property. To make the long story short, after Ditech had hired a company called XXXX XXXX   to take control on the home and prepare it for what was called winterized they went into my home and winterized my property with out notice to me they basically kicked me out of my house, placing plastic on everything and changing the lock and adding a lock on the front door. I had been trying to get a Deed in lieu from Ditech however they kept giving me excuses on why I did not qualify for the deed in lieu, the message they sent me said I did not qualify for a deed in lieu with a FHA home loan because I had not attempted to sale the home by short sale first, so I was denied the deed in lieu. So I contacted a real estate agent and gave them the information, who has had the hardest time contacting Ditech and speaking to anyone to get the necessary information to list the house on the market. Finally, the real estate agent reached some one and retrieved the information needed to start the listing process. In the mean time, Ditech went into the property to do an inspection to tell the agent how much to list the property for, then they gave the information to the real estate agent. The house is listing today, however I received a letter from Ditech telling me now that I dont qualify for a short sale I'm denied stating You were evaluated for a loss mitigation assistance based upon the eligibility requirements of the Federal Housing Administration ( FHA ) and XXXX the owner of your mortgage account. Based on a careful review of the information  you provided to us you are not eligible for FHA Special Forbearance due to the following reason ( s ) -  Your account is secured by condemned or vacant property and, therefore is not eligible for this program. We only moved out of the home after the property management took it over and Ditech clearly knew this because I called them and told them this during my complaint to them about going into my home violating our space taping up everything and ripping down window covering and everything else they did ... XXXX Ditech is playing games they do not care about consumers at all. Please investigate Ditech and this complaint and advise them to do the right thing and let me have a loan modification. I do have the paperwork verifying the above information. The only reason my property became vacant is because they violated my home changed the lock and added a lock violating our space and removing our normal access to enter the home though the front door because the lock was changed and an additional lock was added on the door.
Jcpenny has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX I was XXXX. Throughout my XXXX ( XX/XX/XXXX ) I had a XXXX. I am still currently going through XXXX in result of having having my XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Walmart passed me onto the credit card insurance company to submit a claim. I was not abl3 to resolve this issue and have contacted JCpenny and the credit card insurance department as well. Please remove this negative information.
I received a letter from citi bank saying I was eligible for a credit card with 0 % for 21 months then 12.99 % after that. the invitation number was XXXX..it said i could apply on line for fast response, which i did. when i received my credit card in the mail, citi bank changed my interest rate to 22.99 %. i called citi bank and they said they would forward my complaint to the proper department and i would receive a response in about two weeks. i received the response from citi bank today in a letter dated XXXX/XXXX/15. they refused to give me the 12.99 % originally offered and accepted by me. I have not activated or used this credit card due to this issue. I consider this a bait and switch tactic that is unlawful. I want the credit card at the 12.99 % originally offered to me.
We received an offer from Bank of America to refinance my existing loan with BAC. I called them to apply for a 15 year refinance, to replace our current 30 year mortgage with them, with 24 years remaining. We submitted all the documents required, XXXX, tax returns, social security benefits. My credit score is XXXX ; our credit usage is only 2 %. My income is in the mid $ XXXX. I have no debt other than my mortgage. I was never late on any payments. I paid {$450.00} for an appraisal. 
Bank of America rejected my refinance application stating " Debt to income ratio : Excessive obligations in relation to income ''. This is totally untrue, since I have a XXXX score from XXXX of XXXX, and a credit usage of 2 %. 
Absolutely no one from Bank of America responds to my phone calls or emails. 
Please help me in resolving this issue.
XXXX XXXX collection account from XXXX XXXX  is reporting on my Equifax credit report and should not be reporting because its a fraud account the verification doesn't match my birthdate. I have contacted the credit bureau and company but still haven't resolved.
My hardship begin In XXXX, when I lost my job after 20 years at XXXX XXXX XXXX. My wife was also recovering from XXXX so she was not able to work. By losing my job with XXXX XXXX XXXX I lost my health insurance and all the medical bills were paid out of pocket while my wife was ill. 
I started a new job at The XXXX, on XXXX XXXX, 2015. I had to take a huge pay cut. At the XXXX, I had no health insurance and with the pay decrease and added expenses we were unable to pay all of our bills. This caused us to get behind on our mortgage payments. 
I was advised by US Bank to apply for a assistance and our loan has been in review for over a year now and they still denied any assistance to get our mortgage current. See the denial letter attached. The denial states they can not give me any assistance because of indemnification clause. As of today I still see no indemnification provision. I contacted US Banks and requested them to identify the document which indicates that the loan prohibit loan modifications.. I need to see if there is a conflict between the guidelines and HAMP. If there is then HAMP guidelines require servicers to make reasonable efforts to the investor restriction, which is XXXX XXXX. I also sent a complaint to XXXX XXXX and they will call me back as to why I ca n't get assistance to keep my home. 
US Bank subject borrowers to " Kafkaesque delays and obstructions for loan modification. They have a pattern when I send in applications and documents I have to send the same documents over and over again. I am in a bad place right now with my mortgage because they will not give me any assistance with my mortgage nor will they accept any payments. Therefore, with every application denied my delinquent payments increase to the point where I ca n't pay it. I am just not understanding why US Bank is doing this but I do know I will fight to keep my home and will do and have done everything I could do to keep my home. I have some equity in my home and I have enough income to keep my home. I have every intention to keep my home. 
Thank you in advance.
On XXXX XXXX, 2015 I applied to a job on XXXX. The job contact XXXX XXXX informed me via email XXXXXXXXXXXX I met all the qualifications for the job and to contact ( XXXX ) for an interview. The interview took place on yahoo messenger. I was given an identification number for the online hiring process " XXXX. '' After completing the interview questions on yahoo messenger I was told that I would receive a cashiers check in the mail to buy supplies to set up an office space. The check arrived in the amount of {$2800.00}, I was told to deposit the cashiers check then withdraw funds to wire via XXXX XXXX or XXXX XXXX. The funds were wired as asked my potential employer. On XXXX/XXXX/15 Chase Bank mailed me the check stating it was Altered/Fictitious. The total amount wired via XXXX XXXX was {$2700.00}. This scam was reported to XXXX XXXX Police Department and a complaint was filed with XXXX.
Received a letter in the mail from Choice Recovery Inc. regarding a medical bill from XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX 's office for an unpaid balance. My immediate response to it was that I needed to resolve this asap. After calling the collection agency and found out that they added in additional 30 % to the bill, I called back XXXX XXXX 's office and offered to pay it immediately but was told by a young lady by the name of XXXX " that it was now too late and I had to call back the collection agency and pay the whole amount plus 30 % ''. So I did just that, but since the bill was significantly higher, I asked if I could make quarterly payments and XXXX from Choice Recovery agreed. So I made the first of 4+ payments of {$250.00}. Never did the Choice representative say you have less than 30 days to pay the remaining balance or " we will report you ''. If I would have heard that, I would have pulled out several other credit cards to pay it in full. Needless to say, even after attempting to make the payments in full, never did I get a balance statement, a letter of acknowledgement, nor an email stating a balance or remainder or their intent to destroy my credit within just a few weeks. When I called the collection company ( Choice ) on XX/XX/2018 @ XXXX XXXX to inquire about why didn't they send me in writing or email any type of documentation such as a statement or letter, they stated that " it was not there job to do that ''. I was completely appalled since that is what they do for a living. I'm sure that there are Fair Reporting Act Violations here and I want this removed from my credit for their lack of incompetence. My credit was good until the collections hit my credit report and it has dropped 40 points. Which completely hurts my family and myself especially since I was in the middle of a refinance.
I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XX/XX/XXXX and then again today. This company accessed my credit without written consent and arerefusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING  IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO. Account name ONEMAIN Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Aargon agency is saying I owe XXXX debts for hospital bills that I never received. After calling XXXX that they claimed I owe, the hospital told me I need to contact them and GET the account numbers from them because thats not the balance they show for me. I have low income so if I owed a balance I would have tried to get a small payment plan before they applied it on my credit report. This debt is now hindering from obtaining credit from different companies.
A person sent me money around XXXX on XXXX/2017 through BANK OF AMERICA using an application. ( XXXX ). I tried to log in that app and asked me to input " Authorization code ''. That code came in my email later that day at XXXX XXXXXX/XX/XXXX which was expired after 10 minutes without any other notice. I try again and again without receiving any response or a new code. I called them at XXXX the same day to find out that the sender has to cancel the transaction and find an other way to send the money. Needles to say it was important to have that amount on time and it costed to me extra. The customer service prompted me to create an account for the application ( knowing I did n't have any internet access at the time ) instead to my opinion find an other way to solve my problem.
Sent a certified letter to Experian asking for documents they used to verify that this account was correct and mine. Received credit report that just stated verified with no supporting documentations. Spoke to rep over phone and was told that they do n't have to provide me with anything.
> I purchased a XXXX XXXX from a private party on XX/XX/XXXX > I have a Bill of Sale and the Title of the Jetski which was transferred to me. 
> The original owner purchased the jet ski XX/XX/XXXX and it was financed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 
> The title lists XXXX XXXX XXXX XXXX XXXX  as the Lien Holder.

> As the new owner, I'm required to register and title the Jetski in my name in the State of Missouri where the Jetski is currently titled.

> The original owner never received any documentation from XXXX XXXX XXXX XXXX XXXX stating his loan was paid off and now XXXX XXXX XXXX XXXX XXXX  is no longer in business.

> I contacted XXXX and learned that XXXX XXXX XXXX XXXX XXXX was acquired by XXXX XXXXXXXX XXXX, XXXX IL in XXXX. 
> I've tried to contact XXXX XXXXXXXX XXXX to gain a Lien Release document on the Jetski per the title. But when I call the phone number or try and contact them it goes no where.

> Additionally, I see a lot of very similar complaints on the web of this very same problem.

> I've attached the Title and Bill of Sale scanned Documents
My bank Chase will post transactions on a day, but the transaction will be showed as posted the day before. I can check my online banking and show it having a positive balance, but check it later before XXXX and see transactions appear that were not there hours prior. 

The other is adding transactions, such as auto payments in the late evening around XXXX and counting them towards my account earlier in the day. 

The other problem I have is reordering my transactions. They may hold little ones, then have a bigger payment go through, after bank closing then reorder old transactions to post after the big payment. This has happened many times. 

Sometimes it seems like they have my account watched and when I have a lower balance and something bigger posts, they try to reorder my account to give me the max fees. I always fix my acocunt the very next day. Would be nice if they were fair and posted transactions on day done or even next, and did not tack on charges before its XXXX.
In XXXX of XXXX, I mistakenly traded my XXXX for a XXXX XXXX through XXXX XXXX in XXXX Illinois. I should have returned the vehicle and waited until they surrendered my keys to my car, but not knowing better, I stuck with the car feeling that the interest rate was already too high - and the payment, too. It was 17 % or so, but the real shoe dropped the following week : the dealership Fed exed to my work a change in the interest rate to 25 %. Since I could n't return the vehicle and was living on XXXX income and no child support as a single parent, I had to sign it. I was utterly alone because even those who were telling me to return the car were powerless to help me. I ended up paying for the car, and through a series of personal misfortunes, lost that job and the car ended up failing. Turns out the car was a time bomb : the engine was a design requiring the timing belt is changed before a certain mileage and it snapped breaking irreparably. The car was repossessed in XXXX. With a sticker price of {$13000.00} or so, the GM financial company claimed I still owed them just over {$6000.00}. They sold the car at auction for {$1000.00}, somehow I ended up owing them {$7500.00} even though they claimed that the amount was deducted from the loan! The truth was I 'd had to give them numerous late payments and deferments- with a late payment of {$120.00} a pop and numerous other " fees '' including rude and ruthless " customer service '' people, the company who held my loan, Americredit ( later dissolved bought by GM Financial, probably because they 'd taken so many people for a ride that they were being sued and no longer raking in the cash ) made sure that I was ALWAYS on the hotbed for repossession. They threatened, cajoled and I 'm pretty sure that this company had NO interest in the car I needed, rather they wanted that money- that was their goal and they made it clear they 'd take it every time I spoke to them. I found out later that this state Illinois has no limits to it 's loan sharking- other than recent limits to payday and title loans. This state tolerates usury- I was essentially forced to sign a contract against my will since I 'd asked for my car back before this whole thing unfolded! I think that car companies should HAVE to use banks. I am SO TIRED of hearing about the woes of the car companies : our Federal government bought it out to save it, but GM? They are threatening to SUE me! I have no money for them! I 'm XXXX, I have XXXX kids, I 've been working to get a degree ( with Fed backed loans, why ca n't anyone get a loan for a car with bad credit for a car, huh? People need cars! ) and I ca n't buy a home till this loan goes away. Our government is supposed to protect us from this kind of thing, yet it seems to spend more time protecting the companies and the wealthy people who own them. I 'd have to dig out the bills I purposely saved to send you which I could do at a later time, but I found this link and felt compelled to write my story. Thanks for listening.