WillisBack/dataset-financial-user-claim huggingface dataset:
We purchased our house in XXXX, XXXX, and our original finance company was Country-Wide. Shortly, afterwards Country-Wide transferred our loan to The Bank of America. We made payments to Country Wide and Bank of America on time until, I lost my full-time job unexpectley in XXXX, XXXX, but I was left with my part-time job that I had since XX/XX/XXXX. Fortunately, my husband and I were able to continue to make our payments on time., as my husband was a XXXX of an XXXX company, and he also worked part-time at XXXX . Nevertheless, in XX/XX/XXXX my husband was told by his company by his company that employees who were in management could not work part-time. Therefore, my husband had to quit his part-time job at XXXX. This of course contributed more to lowering our income. But, we continued to stay current with our mortage payments. In XXXX, XXXX, my husband ; s company informed him that his team was not performing, and they downsized him to an agent 's position which meant that he would not receive salary, but commission only. My husband could not for commission as we had bills and a child with XXXX and XXXX. My husband filed for unemployment, and received {$3000.00}, and his company fought against, as they said that they offered himn a position, eventhough, the position did not pay a salary. My husband had to pay back the unemployment compensation. Then my husband secured a job a low paying car salesman 's job, but we still remained current with our mortgage. In XXXX, XXXX, my mother died, and we did not have insurance, and we had to pay for her funeral expenses. Everything went downhill after that, We went to a XXXX event in XXXX, XXXX, and stood in line for two days, Finally at the end of the second day, we met with a XXXX counselor andwe were told that our payments would be eight hundred and some dollars, but the Bank of America representative had just left. Later, we found out from XXXX that their representative had done things incorrectly. So, the process started over. Bank of America told us that they could not accept payments toward our mortgage while they were working with XXXX. For three years, Bank of America kept turning down XXXX stating small items like like we submitted our taxes a day late. This was not true. Finally, XXXX gave up and Bank of Ameica started a loan modification process, and we were then told not to make payments until the modification process has been approved. They put us in foreclosure over four time, but each tinme they would remove the foreclosure because they would start another Loan Modification Review. However, they would always say that we did not qualify for any of the programs when I had read and knew that we should have qualified ofr the program that allowed homeowners to pay XXXX percent of their income.. Then in XX/XX/XXXX ( I believe ) they sold our loan to XXXX XXXX which initiall was most uncooperative eventhough they said that they would work on a loan modification for us.
I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called Equifax last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX Services number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.
I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017,  yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from XXXX showing that the XXXX XXXX and XXXX are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that XXXX shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.
I financed a vehicle with Coastal Credit LLC in XX/XX/XXXX, the vehicle was repossessed in XX/XX/XXXX. Coastal Credit LLC reported it on my credit report as an Account written off, with balance of {$8600.00}. However, after they charged it off, they added interest and fees, the balance they are asking me to pay is {$13000.00}. 
I contacted them in several occasions. I contacted them for the first time years ago. Last time I talked to them was last week. They are not willing to set up any type of agreement. They have been rude ever since I gave the car back, I have been threatened with getting my chief of command contacted, which is the President of the United States. I have been willing to work with them but havent received the same treatment on their behalf. They are asking for the full amount of {$13000.00} and they told me they will take me to court if I dont pay the full balance.
I am a victim of identity theft. The accountsXXXX.and XXXX  XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. The accounts are also reported multiple times which is against the FCRA
sunrise credit services contacted me about a XXXX account.i was given instructions of paying debt.i mailed out XXXX money orders.the XXXX in the amount of {$54.00} and a XXXX for $ XXXX.the {$54.00} money order was sent to sunrise credit services with XXXX annotated on money order.Since.XXXX of this year ive been hounded for the $ XXXX.Ive sent several copies of money order that i had traced through the postal service showing it was deposited in a sunrise credit services escrow account.money order included sunrise credit services account number.Still today sunrise refuses to inform XXXX they received payment which postal service confirms was cashed on XX/XX/XXXX.because of this lack of action ive been reported to the credit bureau which a caused my credit score to tumble as well affecting interest rates on purchases made on credit.Id like to add that i followed all instructions given and and this should have never gone to credit bureau under payment agreement.the first contact was made by sunrise credit services was made XXXX XXXX {$54.00} money order sent out XX/XX/XXXX
A business bank account and credit card were opened under an LLC at JP Morgan Chase Bank in XX/XX/XXXX. At the time of opening, I had been given paperwork with lots of fine print. I specifically asked the banker if I was signing a personal guarantee on the credit card. Her response was " No it's not a personal guarantee. This is just standard procedure '' The card was handled as such, as a business card, and the business unfortunately had lost some money the following year. Because some payments were missed, I got a call from a collection agency in XX/XX/XXXX in which the creditor told me I had indeed signed a personal guarantee on the card. I was shocked because I was given the wrong information by the Chase banker who opened this account! The account balance was $ XXXX and was paid off for less than the balance and was closed during that phone call in XX/XX/XXXX. Unfortunately, this is on my personal credit report with all 3 bureaus and I am desperately trying to get it taken off. I called Chase and they said if it's their mistake they will take it off, but they need a letter from the opening branch. I went to the opening branch and they said they can't write a letter because Chase protocol does not allow letters. Instead Chase Bank submitted an internal complaint, where it seems to have stalled. I am submitting this complaint with the Consumer Financial Protection Bureau because 1 ) I was given the completely wrong information by Chase bank 2 ) Seems Chase bankers all have different conflicting information on how to handle this issue 3 ) because this account should be 100 % taken off my personal credit report! Please help!!
Attempting to dispute inaccuracies with TransUnion, but TransUnion is not allowing me access to my report.
I need a response regarding the refund of PMI that I overpaid to the lender, as well as an explanation for the {$13.00} PMI refund check I'm holding. 

When I was online back in mid-XX/XX/XXXX, I logged into Stearns website to view my mortgage payment. I was shocked to see {$1200.00} was owed, considering my previous loan payments to my lender have been just over {$1000.00}. I then called Stearns ' customer service line on XX/XX/18 and spoke to them for over an hour. 

On my XXXX call, we discovered the following : My interior annual home insurance of {$310.00} was paid from Stearns to XXXX TWICE on my behalf. Stearns XXXX  this up and never informed me about it. As a result, I had XXXX send me a second check for {$310.00} ( they previously refunded me, but the check was either lost or inadvertently discarded ). This has since been corrected, to my inconvenience. Just wanted to illustrate how poor Stearns ' customer service is in contacting their customers to explain their errors. 

Second, the payment increase was due to my estimated taxes spiking up about {$1000.00} annually- I am not disputing the escrow increase for this. 

The third item is what I'm looking to resolve- I had asked the service rep, XXXX whether my PMI was no longer necessary as I had paid down 20 % of my property value. She confirmed that it did ( a number of months previously if I recall ), and recommended I sent the escrow team an email, asking them to investigate when my PMI expired, refunding me for any PMI overpaid. I sent this email to customer service that same day XX/XX/XXXX. I received an auto email stating that my message was received. Stearns never replied to this email. On XX/XX/XXXX, I received a " PMI Refund '' check for {$13.00} from Stearns. They did not provide any explanation how this refund was calculated. Also, since this refund represents about XXXX of my previous monthly PMI paid, I am skeptical that this refund is accurate. 

I have since sent Stearns follow up requests XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting clarity on how my {$13.00} refund check is caclulated. During this whole period, I only received one customer service response on XX/XX/XXXX, stating that they were forwarding my PMI request to the mortgage
I began this process a year ago. I applied for mortgage assistance, and was entered into a short sale agreement that unfortunately didnt work out. There were issues with the realtor, and eventually the agreement fell through due to requirements from the mortgager that was supposed to get handled but never were. Things were being requested that were never in the home before we purchased it. I never received a resolution, and entered into the assistance program again. This time around I had an individual interested in renting the property to help us get out of our financial crisis. I simply needed a forbearance agreement. Sounded simple, but now over 8 months later, I am still getting lied to and XXXX  around. I believe their goal is to obtain the interest, and render me completely insane in the process. I have literally sent them every shred of paperwork requested multiple times. I would talk to a rep that stated everything was there and good to go, and the next time I called would be told the opposite. I would resend everything again, and go through the process all over. This exact described situation has happened so many times I lost count. I talked to reps during these months that called to check on the loan and if I would be making a payment. When I told them I am in the assistance program, they stated that they were in a different department, and couldnt assist me. It became so crazy that they said a small smudge on my docs were keeping my files from going through. I corrected the said smudge, and the next time they didnt know of any reason my files werent working. I sent the docs needed to them in so many ways that they should know everything about us. Now, they arent working with me, and I have a forclosure date looming. All I need is a forbearance to proceed with the renter. Please help us out!!!! I cant work with people that tell me lies after lies. I am going insane!!!
They need to remove the XXXX XXXX XXXX and bankruptcy do to fraud commented by the creditors. Illegal foreclosure. Led to bankruptcy. I lost $ XXXX do to this
I dispute all those bills because I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
PLEASE REMOVE MY NAME FROM COLLECTION AGENCIES. THANKS! 

XXXX XXXX.
XXXX synchrony debt of XXXX was paid on XX/XX/18. not only is thisdebt on my credit reports it is being reported as charged off and or dilinquent. i want this item removed off all credit reports
I have been trying to resolve an issue with my XXXX XXXX Credit card for quite some time now. 
In XX/XX/XXXX I moved to a new address for College and changed my email from an old email to a new university email. I stopped into the XXXX XXXX MN XXXX XXXX store to change my address and email. I spoke to the girl at the desk, she took down my information and said she would put it into the system. 

After a few months, that spring ( XX/XX/XXXX ), I logged into my XXXX XXXX online account and saw that I had missed several months of payments. I had received NO mail or emaila notifying me of these missed payments/late fees so over those months they were adding up. I called XXXX XXXX and told them that I had no idea that I owed anything all this time because I wasn't receiving any notifications from them, they would not remove the late payments from my record, they only lowered the late fee cost, which I paid over the phone that day. 

Since then I have been denied for a car loan and not qualified for my home loan application. I have no other issues with my credit, I've never missed a payment before this incident. It's extremely distressing that a small late fee under {$5.00} had brought my credit from a steady XXXX to under XXXX. Since I took action to change my address and email at XXXX XXXX XXXX MN XXXX XXXX XXXX the fault for this issue is not mine and XXXX XXXX should remove all delinquent payments from my record. 

I have investments and savings and a steady job, there should be no reason that I can not get a car or home loan. XXXX XXXX had a chance to right this wrong the many times I called them and they still haven't. 

Thank you,
I purchased my home in XX/XX/XXXX, I got a first and second mortgage ( the norm then ). When XX/XX/XXXX came around I realized that my retirement was gone in my 401k and the company I worked for fired all of us. In XX/XX/XXXXI ended up filing chapter XXXX. I called the first mortgage company and said I wanted to keep paying on that debt in order to keep my home. I called the second mortgage company and said i could not pay them and would be filing on them as well as other debtors I had. Everything was fine and my bankruptcy was discharged in XX/XX/XXXX. I was able to acquire a HAMP mortgage through my first mortgage company which took effect in XX/XX/XXXX and remain in my home today. My issue is that I have applied for a reverse mortgage ( taking advantage of the increasing equity in my home ) and all was great except the new lender found that I have a lien on my home. The lien is from the holder of the second mortgage ( XXXX XXXX then bought by Green Tree Financial then bought by Ditech now ) and they have sent me letters reminding me that I am NOT responsible for the payback of the mortgage due to the statute of limitations that expired. I called Ditech and they corroborated the fact that I am NOT responsible for the repayment of the loan and admitted they have a lien on my home BUT they refuse to release the lien even though I am not responsible for the repayment that was discharged through my bankruptcy in XX/XX/XXXX. Is there anything you can do for me in regards to this problem? Is this a normal situation? Im sure they want to take advantage of the high home values in my area and get paid again ( since their insurance must have covered them from the initial 2nd mortgage loan ).
XXXX mismanaged the insurance on this account and has since agreed to resolve but the wrong status and account information somehow went to collections XXXX XXXX office of the president of XXXX is handling. this need to be deleted and never effect my credit in anyway, my score needs to be returned to its previous status prior to the fraudulent representation wrongfully reported.
I paid my XXXX payment through my bank 's website as I do every month and they received it on the due date ( payment is due the XX/XX/XXXX of every month ). I was surprised to see a late fee on my XX/XX/XXXX bill so I called and was told that the late fee would be waived. Then I paid my XX/XX/XXXX bill through my bank 's website on the XX/XX/XXXX to avoid the hassle I had the month before. Earlier this week, I started receiving calls from XXXX XXXX. I called them back and they said I shorted my XX/XX/XXXX payment {$33.00} so I needed to pay that plus an additional late fee because the {$33.00} was late. I informed them that the {$33.00} was the late fee that was waived. They said they took the late fee off my balance and I still owed them the additional {$33.00} plus late fees. This did not make sense to me because any time I have been charged a late fee and had it waived it was always waived from the total amount due that month.I was told this most recent late fee could not be waived because they had just waived a late fee. I informed them that the first late fee was erroneous because they had received my payment on the due date. I was basically told they could do nothing and I needed to pay these additional late fees.
The following credit items are reporting to my credit file and have been disputed several times and have been proven to not belong to me or reported incorrectly. the accounts in question are as follows : XXXX Account Number XXXX XXXX
Company name : Coinbase, website : https : //www.coinbase.com I made a transaction in coinbase. During the registration, it asked me for last 4 digit of social security number and my residence information, I provided all the information. 

I was able to made transaction on ( XX/XX/XXXX ) and, it was promised to me that XXXX ( cryptocurrency ) will be available with in a week ( XX/XX/XXXX ). 

when XXXX ( cryptocurrency ) was increased from {$100.00} to {$300.00}, company told me that they can not transfer the XXXX. 

It is a loss to me, if they denied me during the transaction itself I could go for to other exchange. 

I did the transaction of {$2100.00}, my account was showing the limit of {$3500.00}, so it was with in the limit. limit couldbe increase if I upload my id. during the transaction they did n't ask me to upload my ID for this amount of transaction. 

Please check the attchements
I contacted all three credit bureaus ( Experian, XXXX, and XXXX ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX, 3 )  XXXX XXXX  on XX/XX/XXXX, 4 ) XXXX XXXX on XX/XX/XXXX, and 5 ) XXXX XXXX   XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.
In XX/XX/XXXX I refinanced my mortgage to save XXXX a month.Since then my life has changed because of an escrow shortage that occurred during the transaction with the title agency that failed to pay a quarterly period of my taxes for the approx. amount of XXXX. This particular loan was originated among many other Companies that handled this predatory loan and was not discovered from me until 6 months after the cycle period came due to me during the process with 3 other banks at that time. At this time my lender Freedom Mortgage has this loan and was supposed to help me by going into a forebarence plan and then getting a loan modification to reduce my monthly payments, because my payments had increased from this misfortune for me. I have been on this plan since XX/XX/XXXX and now being told that the loan modification may not save me money. I have already had 2 so called " point of contacts '' and am becoming very skeptical as this is becoming more serious for me now almost 3 years later..I am making many attempts to resolve issues and have became disabled from the stress, bankrupt and on food stamps. I actually ran out of computer supplies and offered to travel to an office in NJ to complete any paperwork ... I really do not like to complain or get worked up but I desperately need some kind of advice or help from a reliable source. I also did even make an attempt last year to avoid this matter but ended up losing my second home since the cost of a lawyer 's fee would have been beyond reasonable. And I will be damned if this causes me to lose my primary residence. I was recently referred to a company who asked me for money to modify my loan and raised a series of red flags for me and did n't seem like relief programs to me and it seems there is no relief. I can no longer keep up with explaining the hardship something like this can cause and being unable to walk long distances to even fight for my rights has become difficult so if anyone does read this I am only seeking proper relief and the correct source to help take actions.
I have asked experian to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit.