WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I submitted my application for a loan modification to Ditech. I was told that within 30 days I would receive a response from Ditech with a decision by mail. I waited and waited. I called Ditech each week and spoke frequently to XXXX XXXX in the loss mitigation department. He assured me that my file was complete and the underwriters were still reviewing my application. I had waited 102 days to receive an answer from Ditech on my loan modification application. I grew increasingly frustrated and my local bank recommended that I file a complaint against Ditech. It wasnt until I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, that I heard from Ditech regarding my loan modification application decision. They sent me XXXX letters that were date marked on the letters XX/XX/XXXX but ironically not received by me via United States Postal Service until XX/XX/XXXX. In the letters ( both marked with the same date ) the first indicated that my file for loan modification was indeed complete and to expect a decision within 30 days. In the second letter, it indicated that I was not eligible for a loan modification. 

I strongly feel that my denial of a loan modification was the result of retaliation after I filed my complaint with the Consumer Financial Protection Bureau. Furthermore, my reason for requesting a loan modification was due to divorce between my husband and I. I have negotiated a settlement with him that will allow me to keep the home and resume making on-time mortgage payments in the previous amount owed each month. I am requesting that Ditech add the outstanding payments to the end of my loan or spread the amount overdue over the course of several months to allow me to become current again. Finally, the value of my home as established by Ditech ( AVM ) was found to be {$220000.00} when in fact, I have an appraisal for {$350000.00}. This creates nearly {$120000.00} in equity that can be used to help me re-establish my loan through Ditech rather than pursue foreclosure, short sale, or deed in lieu of foreclosure. 

It is my intention to keep my home and I am willing to do anything to make that happen. 

Respectfully submitted, XXXX XXXX
I have submitted several request to XXXX, XXXX and Experian as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.
I was approved the AMEX XXXX card on XX/XX/2017. And I have spent XXXX in purchases within the first six months. I just want to get my additional XXXX bonus Starpoints. Thank you.
I have a collection on my credit report apparently from XX/XX/2013 which I was not aware of. I lived in an apartment complex gave a 30 day written notice and verbal notice a few times, then moved out before the lease was up. I saw on the credit report there was a collection charge in my account in XX/XX/2013 I disputed it and moved on with my life. I didnt hear anything about the dispute thought it was taken care of. Now when I'm trying to love again the same collection is still on my credit report. I called and spoke with a guy there he claims I owe more money then what was or has been reported for the last 7 years. I told him i disputed it on the credit yesterday and years ago. I even told him 2 people where on the lease at the time. He tells me that only 1 person signed the lease and that the other person only signed the application which isnt true. I dont see how I can dispute something years ago and apparently they didnt respond to me disputing again and tell them and now they respond years later and then change the amount. This isnt fair and isnt that illegal after 7 years to all of a sudden change the amount when I confront them about it. Even though I dont owe anything I even offered to settle for XXXX and I want a letter saying this issue has been resolved asap. He said he would forward to his client the apartment complex which I talked with yesterday and they are looking into the matter as well even though they're the new company coming in.
On or about XXXX XXXX, 2017, I learned that XXXX XXXX XXXX  erroneously reported to Experian and XXXX credit reporting agencies that my car loan was at least 30 days delinquent in XXXX  2017. I called XXXX XXXX XXXX to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated.
My car loan payments are due on the XXXX of every month. I plan to upload my payment history from XXXX XXXX XXXX that proves that my XXXX 2017 payment was not 30 days late. In fact, the XXXX 2017 payment was made on XXXX XXXX 2017, according to the financing company website.
I have paid off this debt. The vehicle was totaled in 2014. I have documentation that amount financed and I paid all owed. The company is trying to charge me additional money. The company is not taking off for the amount owed at the time car was totaled. They are asking for money that at time of accident but they want to get money that is nothe owed.
I have been paying my mortgage faithfully with Ocwen Mortgage for more than 2 years, I recently discovered they were not reporting my payment history as they are supposed to. 
I 've been in contact with all XXXX agencies of credit reporting bureaus. Ocwen. assured me each and every time that they have been reporting, however they are not reporting per my credit reflections, in return driving my credit score down by more than XXXX basis points, preventing me from refinancing my home. My loan is a fixed interest XXXX Mortgage. 
I have sent numerouse letters and received letters stating as such ( they have reported to all XXXX bureaus ) THEY HAVE NOT ... 
I 'm at wits end and very frustrated, It 's my understanding that per XXXX reviews on this company this is a ongoing problem and people are just as fed up as I am. 
So I ask how can the CFPB and FTC allow this company to operate in such a rogue way? 
There are many suits and complaints out there but yet, nothing is done about it. They are still treating their customers in a way that is operating against the law. Amongst other severe violations that have been documented. So once again how long can the Law continue to ignore this companies breaking of many laws?
I am looking at my Credit Report for the first time in a very long time, and I am shocked by the things that are reported that are not of my doing.
First off, I would like to say that this is not the first time Chase has arbitrarily cancelled one of my disputes because I " failed to give them requested information ''. This has become a clear pattern with them, and it has to stop. In this particular case, I returned an item to XXXX, but was never given a refund ( {$130.00}, purchased on X/XX/2017 ). I contacted XXXX directly, and they said that they would issue the refund, but never did. I informed Chase of this, and gave them all of the details that I was able to - both online and by filling out the paper form that they subsequently sent. Much to my surprise, I then received a letter from them saying that I had failed to give them the information they requested, and they were unable to reach me, so they had put the charge back on my account.
I have over  XXXX  hard inquiries that I did n't authorize anyone to do on my credit, and they wo n't remove them from my credit report, different dates and companies and many are the same with different dates
I have a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
It looks Credit Control LLC has my name on its system as possible debtor I 'm attaching the letter I received from this debt collector. 
I 'm disputing the whole amount on it says on its letter.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
On XX/XX/2018, XXXX XXXX with XXXX XXXX XXXX contacted my boss after I spoke with her and she confirmed that she had already confirmed my employment. She left a voicemail for my boss, and requested a call back in turn causing emotional distress to me. She had no reason to speak to my boss after speaking with me and confirming employment with my employer.
I have 4 loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All 4 show closed with a {$0.00} balance.
Company : XXXX XXXX ( Puerto Rico ) been calling me for over a month asking for XXXX XXXX ( debt collection ) I've trying to explain them that I don't know this person in numerous times but they still keep calling me and leaving voicemails everyday.
XXXX XXXX XXXX My husband and I applied for a loan through Amerisave Mortgage Corporation and received a pre-qualification letter. 
XXXX XXXX XXXX We made an offer on a property in XXXX NH XXXX XXXX XXXX The purchase and sale agreement was signed by both parties. 
XXXX XXXX XXXX I brought the {$20000.00} deposit check, to be held in Escrow, to the seller 's real estate agent. 
XXXX XXXX XXXX The home inspections were complete on XXXX XXXX 2016, my husband and I were told by the bank that they had all the documents they needed. 
XXXX XXXX XXXX test results received. 
XXXX XXXX XXXX Received the appraisal report, however, since the appraiser did not complete both lots on the property and was required to complete both. ( Which was finally complete on XXXX XXXX, 2016 ). Amerisave continued to communicate stating all they were waiting on to close was the completed XXXX appraisal, and the fire chiefs signature for safety of the wood stove. 
-- -- -With this information we pushed past the original closing date of XXXX XXXX, XXXX -- -- - On XXXX XXXX, 2016 XXXX XXXX from Amerisave told us that they could not approve the loan due to our debt to income ratio being too high. My husband and I own XXXX properties in NC ( both have tenants ) We had moved all of our personal belongings ( which are still in storage ) We are now stuck without a home, and are staying with friends. 
The sellers had moved out and sold most of their furniture, our storage POD at the property had to be moved so the sellers could put the house back on the market. The sellers have hired a lawyer to keep our {$20000.00} deposit. 
Now due to Amerisave 's incompetence my husband and I are going to lose our {$20000.00} deposit, the {$890.00} spent on home inspections, the extra {$1000.00} to move our storage POD back off the property so the sellers could put it back on the market.
I pulled my credit report and noticed several inquiries that were n't made by myself. I was n't aware of any inquiries. I was n't contacted by any companies nor credit bureau and I noticed an alert that inquiry was on my credit report. I sent in several certified letters over to the credit bureau all XXXX bureaus and received letters to only show that the inquiries and accounts were verified. I did n't get any letters, contracts or notified by any creditors or credit bureau to get any consent so that is breaking the FCRA laws. Several laws have been broken and I want to seek a civil suit against the credit bureaus along with the creditors advertising inaccurate information on my credit report. I have serval people in the United States that has the same name as me and I do n't think it 's fair that I pay the price for errors on behalf of credit bureaus and creditors.
above points are not applicable. 
Bk. of America issued me a new CC because my No. was misused. 
I had for years " minimum automatic payment " set up. 
When the next payment was due, I did nothing because I trusted the min. autom. payment agreement with BoA. The following month I did the same. 
The total amount was just arround {$20.00} which is the " min. payment amount ". 
The result of this was : BoA reported me for not paying my CC. 
When I complained, they told me : " By law they are obliged to report me etc.. And itwas all my fault etc.. IT WAS MY DUTY TO RENEW THE MIN. AUTOM. PAYMENTWHEN MY CC WAS REPLACED "! 
I assumed of course that it automaticly continues as everything else in my CC contract. 
All my complaints were to no prevail. 
This happened about 2 years ago and my otherwise impeccable Creditreport is stilltarnished today!!! 
I only found out today about your CFPB. This is why I am contacting you so late. 
But I really think that BoA needs to be punished for this! 

Thank you for your time and attention. 
XXXX tel. XXXX XXXX XXXX XXXXXXXXXXXX
I have hard inquiries on my record that I never authorized. I have a fraud alert on my account and I am to be notified when inquiries are presented. I have not granted permission to anyone to pull my credit since XX/XX/XXXX 2016. There are three hard inquiries on my credit report. I have filed disputes through the credit bureaus. But they have been denied. I recently learned of identity theft to my likeness.
i requested that the collection company delete the account and all reporting on my credit report. since i paid the collection in full. i called several times to resolve but, company stated it is company policy not to delete from credit report. they stated to call each credit bureau to get deleted. after contacting the bureaus they stated that only the collection company can delete from credit report. i again called collection company to request a delete. i was transferred to a supervisor/manager voicemail. i left a message but, no one contacted me.
XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XX/XX/2016 Reported Since : XX/XX/2016 Date of Status : XX/XX/2016 Last Reported : XX/XX/2016 Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY
I fell into default and have spent more than 11 months trying to work with my mortgage co. to find a permanent resolution and avoid foreclosure altogether. During my active review for workout assistance they set a sale, and foreclosed on my property violating my homeowner bill of rights. I have proof of my records and just want the sale reconsidered.
I received us mail from Transunion Over the weekend claiming that they had verified the late payments for XXXX and the account was reporting correctly, Transunion did not verify anything. On XXXX 2014 Transunion is reporting a 30 day late Here is a copy of my bank statement indicating that I made a {$100.00} payment to XXXX Transunion enough with your XXXX and games remove these late payments IMMEDIATLEY
I was traveling to my home country and set up autopay on their website. I left for months came back and my car was repossessed. I was in awe because I had set up autopay to avoid this problem. I called the company and had to pay them extra for the car and the rep on the phone apologized and said it wouldn't show up on my credit but the late payments did show up. I called them and they said they can't do anything about it. This is not fair because I haven't missed a single payment since this incident happened in XX/XX/2017 and they are not willing to work something out when their system was at fault.
Last year, I purchased a tech support product from XXXX XXXX. It was a one time charge that was authorized. Today, I was sent notification that my debit card was charged {$100.00} for renewal of the plan. I never authorized the renewal. I called XXXX XXXX and was told that it would take 10 days to get my money refunded. I asked them to send me a copy of the contract showing that i had authorized an automatic renewal and they said that they could not provide it to me. I feel that this is deceptive at best. I never authorized an automatic renewal- I would not have done so as this policy is for a computer no longer in service.I also feel that it is improper to wait 10 days for a refund when no transaction was authorized. i 'm sure that I am not the only person that they have charged without authorization.
I HAVE CONTACTED XXXX XXXX XXXX XXXX to remove 2 Hard Inquiries i had contacted XXXX Creditor how has Run my Credit with Unauthorized and after contacted and sent proof from creditor, no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry XXXX/XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 2018
Wells Fargo calls from XXXX to collect on a credit card. They are calling my work number after I expressly told them not to. This is violation of the FDCPA.
Please add the following remark ( s ) to my XXXX  XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.
Online payday loan stating they are licensed and are not as I am just finding out payday lending is prohibited in GA. Also they told me the balance with finance fees was a little over XXXX dollars but after I agreed and got the written contract by email, the loan shows payments for 24 months for over 3000 dollars.
This debt is related to an XXXX admission that occurred in 2010 at XXXX XXXX, XXXX. I do not remember the exact circumstances, but has an idea which i remember, and the facts my wife has explained to me. 
I was discharged XXXX following the morning admission, despite the protest from my wife, who is an XXXX She protested the discharge as I still had XXXX. Despite her protest, I was discharged. I then had XXXX which occured following a XXXX. 
In the evening, I was returned XXXX and again I was admitted XXXX. As far as I know, it was a weekend and from the XXXX, I was in the hall way as there was no room, or so. I was in XXXX until I was readmitted. 
The same admission had XXXX XXXX visits XXXX in the morning and the next XXXX in the evening. On the initial admission, I was discharged before XXXX, and only to return to the hospital by evening. The second admission resulted in the hospital stay, but for the same problem. 
As per my insurance coverage, XXXX is completely covered, but as the same admission had XXXX XXXX, Insurance paid only a portion. 
I initially had a bill from XXXX for the amount the collection Agency is billing. To that bill, I send by complaint, and I did not had any further bills or notices from the XXXX. And after an XXXX of three or four years, I had a notice from the collection agency. Though I informed the collection agency by phone and in writing, I again has notices and calls. Hence, I request CFPB to look into this.
This complaint involves a Banana Republic card with Synchrony Bank or  GE Capital. I m ade timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other Banana Republic and Gap cards in the past and successfully paid them off.
After reviewing my credit report on XX/XX/18, I noticed late payments reported on my loan with XXXX XXXX. The lates reported correspond to the passing of Hurricane Maria wich affected the island of Puerto Rico during the months these lates were reported. Access to banking services where impossilbe for everyone since the island suffered from a major hurricane disaster and there was no way to obtain access to banking accounts and all our systems collapsed. These lates reporting are affecting me adversely since I am in the process of purchasing a home.