WillisBack/dataset-financial-user-claim huggingface dataset:
Carrington Mortgage Services incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00} per month. This error makes it appear my loan modification request did not meet the requirements. 
I provided Carrington Mortgage Services with the enclosed Notice of Error & Request letter for Information pursuant to XXXX C.F.R. XXXX. 
Carrington Mortgage Services never responded or took any corrective action pertaining to my monthly income. Carrington Mortgage Services never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX C.F.R. XXXX. 
Carrington Mortgage Services violated loss mitigation procedures. Carrington Mortgage Services knowingly miscalculated my monthly income after being provided with financial information via email, phone and fax. Carrington Mortgage Services also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.
I NEVER TRIED TO OPEN A CREDIT CARD AT LOWES OR ANYWHERE ELSE!!!! This is FRAUD!!! I am trying to work on my credit to purchase a house next year and all these fraudulent credit inquiries KEEP HAPPENING!!! My credit just dropped 85 XXXX points for an inquiry that WAS NOT ME!!!! This needs to be removed IMMEDIATELY!!!!!!!! I am tired of this! I am doing everything right to build my credit and these fake XXXX inquiries keep hurting me!!!!!!!!! The other companies havent taken them off even though they acknowledged it was fraud. THIS NEEDS TO BE FIXED IMMEDIATELY!!!!!!!!!!!!
On XX/XX/2011, I purchased a money order in the amount of XXXX from Fifth Third Bank. I issued the money order to Attorney XXXX XXXX. Since 2011, a dispute has occurred in which the attorney is stating that he never cashed the money order. To prove payment, I requested a front and back copy of the money order from XXXX XXXX and several other Fifth Third Staff members. XXXX XXXX provided me with a copy of a money order with no endorsement. When I asked XXXX XXXX for a written letter to submit as proof of payment and endorsement she stated that she can not provide me with the name of the customer who cashed the check instead, she has only provided me with the name of XXXX XXXX XXXX  as the banking institution of where the money order was presented. Based upon the money order having no endorsement and Fifth Third Banks refusal to provide me with the name of the customer and other pertinent details I am not able to prove that I made a payment to the Attorney and Im unable to receive my funds back. I am attaching a copy of the money order provided by Fifth Third Bank and copies of my bank statements as supporting documentation.
Disputed an Equifax report inXX/XX/XXXXwhere I disputed a foreclosure on my report however the account could not be verified by the correct mortgage company. Equifax is stating that the account was verified however I have a letter from XXXX XXXX stating they have never been in control of the account which was held by XXXX XXXX. XXXX went bankfupt in XX/XX/XXXXtherefore the account can not be verified with the dates, loan amounts etc ... .This is required by law.
On or about XX/XX/XXXX, I closed my accounts with XXXX and no longer had access to online billing or being able to see copies of my bills. I also no longer received any goods or services from XXXX. I was told by XXXX before I closed the account that I would receive a final bill approximately 60 days after the fact. XXXX sent numerous emails to me about amounts owed, but no final itemized bill. I discussed the fact that I had not received a bill and gave them a current address multiple times, yet they still refused to send me a copy of it. The amount owed, according to XXXX, continued to increase, in spite my no longer receiving services from them. I disputed them amount owed with them via telephone and was told then were working on it. Then it was sent to XXXX XXXX XXXX, which said they sent me a letter of validation but that it was returned because of incorrect address. I again gave them a current address but they did not send another letter. They then placed the item on my credit reports in XX/XX/XXXX, with the incorrect amount that I had been disputing with XXXX since XX/XX/XXXX. I sent in yet another letter of dispute to XXXX, XXXX, and all credit reporting agencies. It is still listed on my credit report as with XXXX, even though the debt has not been legally validated. Further, today I received a letter from XXXX, stating they were hired from XXXX after the dispute and asking me to validate the debt. I am responding with a letter disputing the amount and validation of the debt, citing that i have YET to receive an itemized final bill from XXXX. This is illegally on my credit report, as the debt has not been validated by the original creditor or the collection agencies engaged by them.
Recently my available credit limit was {$400.00}. Due to the recent heat wave, I was waiting until the weekend for a sale to purchase an air conditioner for my elderly mother whose central air conditioner has ceased working. As I was in route to Home Depot, I contacted the credit department to ask for an increase since I may have needed additional funding to cover the purchase. I felt extremely confident in this request since previously Home Depot credit department has constantly harassed me with numerous phone calls even when I made payment arrangements to make payments that were financially impossible to do, I made them anyway. During the phone call I was told that my available credit was decreased and that I would be receiving a letter in the mail shortly explaining that it was due to my credit score and not with making my payments as I was told to. This situation was unwarranted since I made my payments when Home Depot requested and I thought that that was the reason why I had {$400.00} available credit.
I received validation but no signed contract with this collection firm. I do not agree with the data on the statements or the date of charged off. Please assist
XXXX XXXX XXXX bought my account from HSBC Bank and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.
On both my XXXX  and Experian reports it is showing that I was 30 days late on my payment to my mortgage company, XXXX in XX/XX/2018 and XX/XX/2018. My mortgage is due on the XX/XX/XXXX of each month. My XXXX mortgage was received on the XX/XX/2018 and my XXXX mortgage was received on XX/XX/XXXX. I called XXXX and was told I was correct, but that the credit agencies had to make the correction, as it was not their mistake. I called the credit agencies and was told that XXXX had to correct it, as it was not their mistake. I then asked XXXX to please send me a letter stating the information they verbally confirmed in writing, so that I could forward to the credit agencies for them to correct. They refused, and asked me to start a dispute ALL over again. I am being run around in a circle, and I beleive this is something that can be handled quickly with a simple letter to XXXX and Experian. Please help. Thanks in advance.
Someone hacked my kohls.com profile and made a purchase as if they were me. I reported fraud to kohls. It took them a month to finally take it off my bill. But until they took it off, my balance remained passed due and went into collections for a purchase I did not make. My credit report dropped because of this fraud.
I have an auto loan with Santander Consumer USA, and am going on the 8th and 9th year where I am still paying on this loan. In the time, I have been paying this car I did lose my job, found another job but I have upkept with my loan and it has never been repossessed. However, I find that the more I pay, the more I have left to go. I can never be done paying. As I pay the balance increases or stay the same, where all the money goes to miscellaneous fees? I do not know what they mean by miscellaneous fees. I need help investigating. I feel I have paid triple the amount the car is worth in this past 8 years I have been paying and I get run around answers when I ask about miscellaneous or all these extra fees. My mother has a loan with them as well and is on XXXX and her car has been repossessed because she has not been able to keep with all the late fee add up. At one point, XXXX charged {$35.00} a day for late fees. How is she or I ever to catch up? And when her car was repossessed at one point she was asked to pay an extra {$200.00} at the towing place to get her items that was in the car. I just feel XXXX is a thieving company and once they have you in their clutches you can never seem to pay them off. I would like to get an investigation into what they are doing to my mother and I please. I am just really tired and frustrated with XXXX.
XXXX paid my XXXX XXXX bill a few years ago and I am still making payments to repay XXXX. A collection agency tried to collect this debt and I filed a complaint on your website and uploaded proof. I just saw that another new collection agency just today, reported this debt to credit agencies XXXX etc. with statement " Account information disputed by consumer meets FCRA requirements ''.
Borrowed {$350.00} from Bigpictureloans in XX/XX/XXXX paid XXXX each month up to XX/XX/XXXX still have a balance of {$380.00}.
I have attempted to obtain my credit report from Equifax on 4 different occassions and I have yet to receive my report. Everytime I try to access it online it will not allow me too. I have signed up for some 3rd party credit companies and based off of their site there are a lot of discrepancies that need to be fixed however I am in need of my most current up to date Equifax credit report.
Well, It all started in 2007 when I applied for a secure credit card with Wells Fargo Bank. I put down XXXX to open it the credit card. I did n't use the card that much, only to rent cars to go out of town. At the end of last year I found out that the secure credit card was no longer a secure credit card but a unsecured card card. I had called Wells Fargo Bank to check out my balance for my secured card and that was when the banker informed my that my card was unsecured. At that time I asked the teller where was the money I had put down to open the card and he said they had sent me the money {$1200.00} check in the mail. I told them I never received any check from them and he said that the check was returned to them because of incorrect address. I then asked them can they mail the check back to me with the correct address, but he said no because it was sent to the Nevada XXXX and I would have to contact them. 
I had contacted the Nevada XXXX but they said that nothing in their system show a check sent to them in my name. They looked through their system with my different names ( last ) and also with my social security number but NOTHING. I have called back and forth with Wells Fargo, I even went to a branch to try and get some answers but no luck, I 've also been dealing with Nevada XXXX with no luck. I am SO tired with Wells Fargo Bank giving me the run around. I need some answers or better yet my money that I am entitled to. PLEASE HELP!!!!!
On XX/XX/XXXX I got hit with New Inquiry from Discover which I noticed XX/XX/XXXX on my XXXX online account. I called discover to tell them I did not make any hard inquiry XXXX XXXX XXXX ... They had said would remove the hard pull and I had told them I would also go on here because the customer service reps from my experience always seem to get things lost. 

To my understanding this hard pull is only on my XX/XX/XXXX and going to be removed as soon as possible. If it was on any other credit bereu 's I would kindly ask for it to be removed as I never made this inquiry.
I have accounts on my credit report that keeps revolving from the collection agencies that owed the accounts.   They are duplicate accounts, and when asked the collection agencies for a detailed statement of the accounts, they never provide it. They ca n't provide, because its the same account reported twice with the same amount on my credit bureau.   The amounts are the same, there are  XXXX  accounts with the same duplicate account. The date this collection agencies are using its the date they bought the account.
On  XXXX   XXXX ,  2017  I deposited  XXXX  United Sta tes Postal Money Orders into  my bank of america checking account via ATM.   XXXX  The total deposit amount was {$2200.00}.   XXXX  bank of america has placed an illegal 10 day hold on my deposit, citing the money orders need to be verified with the issuing instituti on. ( The US Treasury? ) I have contacted bank of america and spoke with 2 different representatives, one being a c all center supervisor.   XXXX  I need help in resolving this issue and prevent the illegal actions of bank of america.
I applied for a Used Car Loan at Navy Federal Credit Union. The loan was for {$21000.00} at an interest rate of 10.49 %. The loan was approved and I was issued a check to make the purchase. I purchased the car, a   XXXX   XXXX   XXXX  , from   XXXX   XXXX   XXXX  , for the sum of {$21000.00} and paid with the Navy Federal Check I was provided by the Bank.
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The   XXXX   XXXX   began to develop problems and I returned the vehicle to the Dealer who attempted to fix the vehicle. The problem persisted and I returned the car back to the Dealer who offered to exchange the car with another car. I accepted the offer.
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I informed Navy Federal and because of the exchange Navy Federal now wants to increase the interest rate on the transaction even though the transaction had been completed between Navy Federal and myself. Further, the exchange was by the dealer for another car.
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Navy Federal can not change the terms of a deal after the deal had been consummated between myself and the bank.
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The breakdown of the Navy Federal loan is as follows : Loan - {$21000.00} ( Check Amount ) Loan Protection Plan - {$190.00} ( Added to the check amount ) Total Shown on Contract - {$21000.00} I have made payments on the loan as I agreed to and the Bank continues to accept my payment.
On XX/XX/XXXX, I opened an account with Union Bank through a promotion they have advertised. The promotion is for {$200.00} when opening a Banking By Design checking account and either making a direct deposit of $ 500+ or 10 debit card transactions. 

After successfully opening the account on XX/XX/XXXX, providing SSN, personal information, details, I was happy to have been instantly approved for the account, assigned a Checking Account Number and Routing number. I immediately went to my own bank and set up an ACH transfer to transfer {$500.00} into the account to begin utilizing the account and taking advantage of the bonus promotion. To my surprise, the {$500.00} ACH was rejected by Union Bank, my account was closed, and I received a letter in the mail. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account. 

This is concerning on many levels. Union bank collected my information, checked my credit, obtained my SSN, opened my account, issued an account number and then proceeded to close my account after funding. As a result of this account closure and subsequent ACH return, I was assesed a fee by my bank that initiated the transfer. I believe this is completely unjust banking practice
I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been XXXX weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with Transunion showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
I have been paying my student loan  6-7  days ahead of time and {$20.00} more than the minimum payment amount for over 5 years. I recently moved from the  XXXX   XXXX  to the  XXXX   XXXX . My bank on the  XXXX   XXXX  is not on the  XXXX   XXXX . I opened a new bank account here. I made changes online to my Navient account on    XXXX   XXXX   XXXX     . I filled out information for my new bank online and signed up for auto debit. I received an error message online following my submission. I called to follow up with  Navient  who said everything had been processed, my next payment would be taken from my new account, and my old account had been deleted.     Two months pass and I receive notice from my previous bank on the  XXXX   XXXX  that my account is negative {$300.00} due to multiple attempts by Navient to collect my payments from this old account. I spent  4  hours on the phone with Navient as well as my old bank to resolve this issue. Navient claims they did not remove the payment. My bank claims they did not send the payment. Both parties are blaming the other. I was responsible and did what I should to make sure my payments remained current, and ended up spending  4+  hours on the phone and paying {$120.00} just to settle the situation although it was no fault of my own.     It is completely absurd that people who are paid and titled " customer service representatives '' expect you to figure out who made the mistake and send them supporting documentation to fix the error when the error was clearly either my bank or Navient. I believe it was Navient because I have several other accounts that I had no problem transitioning to a new bank for payment.
Loan Company GREAT Plains Payday Lending who I attempting to resolve the illegal interest rate they put on a NJ Loan that they are not licensed to do business with and would not drop the 800 % interest reported the loan on my Credit Which is also illegal. 

The credit agency said it was valid an they could not remove the charge.
I was talked into taking out a private student loan through XXXX XXXX by a parent in XX/XX/XXXX instead of a federal loan. This parent cosigned for the loan. I ended up not graduating due to being placed in the wrong degree and getting frustrated trying to get in the right degree. This happened in XX/XX/XXXX. 6 months later my loan came calling asking for their money. While I was living at home with my parent this was doable. Since then I have gotten married and have XXXX children. I bring XXXX around XXXX a month. My expenses run right at that a month even with government aid. My wife has been diagnosed with XXXX that occasionally leaves her XXXX. I have looked into other jobs but do not meet requirements to move into a higher paying job. My cosigner had XXXX 3 years ago and is still buried in debt from that. My loan has been sold off to American EDucati on services by this point. I have made an attempt to see if they can work with me to make this manage able and all they offer is apologies and that I can apply for forbearance. This loan has been collecting interest since I was approved. It had over {$3000.00} of interest before I even made my first payment. It is still over {$1000.00} above the original amount. I have made a majority of the payments with the cosigner help since the payments began. This is causing XXXX for my wife and I while trying to care for our XXXX children. It has caused tension between me and my cosigner over the financial stress. I have made use of forbearance since my wife and I got married twice I believe but neither was for a long period of time. I see no end to this debt that I do not really have a way to pay on.
I disputed a {$500.00} charge on my Chase credit card by XXXX XXXX ( XXXX XXXX of XXXX XXXX ), an attorney in XXXX XXXX, CA, for legal services she did not provide. I retained her on XX/XX/2017 to evict a tenant who was not paying rent. Chase dismissed my protest and upheld their decision upon appeal. 

Ms. XXXX alleges that she filed an eviction complaint with the court on my behalf but she would not provide me with a copy of the complaint, despite repeated requests, nor was the complaint reflected in the court 's online system. Accordingly, after giving her proper notice, I terminated our agreement on XX/XX/2017 and asked that she return the {$500.00} fee. She refused to do so. 

I filed a complaint with the State Bar of California ( attached ) and they ruled in my favor and issued a warning notice to Ms. XXXX. 

Chase refused to accept these facts and simply stated that Ms. XXXX did, in fact, file the eviction complaint and thus my dispute is not valid. 

Chase misses the point. Because Ms. XXXX was unwilling to provide a copy of the complaint, I terminated our agreement and thus lost valuable time in the eviction process.
I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XXXX, XXXX, XXXX certified mail and fax. I have included proof that I have never been late on the account. This is n't even supposed to be reported because child support is Title IV-D which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. XXXX was reporting right by reporting never late and then they changed it and the same for EQUIFAX. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by these two reporting agencies.
I have sent to XXXX  and Equifax copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to Equifax 3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes XXXX XXXX in this complaint on the inquiries.
I have been homeless since XX/XX/2016. I have not been able to make payments on these debts due to hardship. I had XXXX and therapy and eventually was not able to do my job and lost my job which caused me to loose my apartment and so forth. I want to be able to clear my debt but now I am currently in a no job and homeless situation. If I could get some feedback on how I can clear these past debts I would greatly appreciate any advice. 
Thank you, XXXX XXXX