WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX my loan was closed. The loan was closed for less than the full amount ( bank approved short sale ). Several months ago I applied for a construction loan to build a new home. The bank I was working with ran my credit and discovered incorrect information that was reported by the mortgage company of the closed account. The company reported the loan as a foreclosure or repossession in the max delinquency area of the credit report ( reported incorrectly to all XXXX credit agencies ). As a result of this mistake the bank I was working with would not further process my construction loan. On XXXX/XXXX/XXXX I faxed the mortgage company ( Ditech ) a letter stating the above information, and requested that they fix the information. A few days later I received a letter from them saying that they received my fax and that I would hear a response from them within thirty days. I never received a written response as to a resolution. On XXXX/XXXX/XXXX, I called Ditech and spoke to a representative and they told me they had until XXXX/XXXX/XXXX to correct the issue. On XXXX/XXXX/XXXX, I called Ditech again and spoke to XXXX different representatives. One said I should expect to wait another month for a resolution, and the other said I should have something back within three to four days. I never heard anything from Ditech. On XXXX/XXXX/XXXX, I received an almost identical letter saying they were still investigating the matter. On XXXX/XXXX/XXXX, I called Ditech again and asked to speak with a supervisor. I spoke with XXXX ( ext. XXXX ) she said she would reach out to the department who handles this type of matter and call me back. I have never heard anything back from Ditech. My bank has since provided me with an exception and approved my construction loan, but said I needed to fix my credit report before I would be able to refinance my construction loan into a conventional loan at the conclusion of construction. Ditech has been absolutely unreasonable in fixing this issue. They are in violation of the fair correct reporting act which specifically says they have thirty days to correct their mistake. They have not. Please assist me in fixing the incorrect information on my credit report that was incorrectly reported by Ditech.
On XX/XX/2018 I applied for a XXXX  account to finance furniture from XXXX XXXX. On the XX/XX/2018 I contact XXXX  and let them know I cancelled the order from XXXX XXXX because XXXX XXXX ordered my furniture incorrectly. XXXX  agreed to waive the {$49.00} annual fee since I never received the product from XXXX XXXX, 30 days went by and I received notification from Fortiva indicating I was past due {$76.00} which is $ XXXX+ a late fee. I talked to them on XX/XX/2018 and I was told to call back in 7 days so a manager could review my account, I spefically asked if it would be reported past due and ahe said no. The account is now showing closed with a balance and past due. I would like this corrected to either closed at {$0.00} balance or deleted completely.
Transunion has not provided me with the source of who furnished them with the information on the judgment they are reporting. I am not aware of this or who gave them the right to report this information. They referred me to the courthouse who they are saying verified and provided the info. I contacted the court house and they sent me a letter verifying that their department does not provide or verify any information to any bureau or third-party reporting agency. Transunion has not properly provided me the source of their information on the public record they have placed on my credit report. According to FRCA 15 U S C 1681 ( g ) they have to send me proper documentation ( file info, verification methods and response ) of what they have associated with any acct ( not just verified ) and section ( i ) states it must be deleted if not properly verified. I also found section 611 ( a ) ( 5 ) ( A ) ( i ) states they can not report inaccurate, unverifiable, untimely info. If the courthouse didn't provide this information to Transunion to report in the first place nor did they verify it. I would like the bankruptcy judgment removed immediately.
This references a call I received today form FMA Alliance at XXXX. There was an approximate {$500.00} balance on a card for XXXX XXXX XXXX that they requested I pay. I explained to the representative, XXXX XXXX XXXX, that I became ill in 2012 XXXX and I contacted XXXX XXXX XXXX in writing regarding an added service to my card that would pay on when I was unable to work. XXXX XXXX XXXX claimed that I had no such service added to my account, but they lead me to believe that I did have such a service. I believe that I was mislead by XXXX XXXX XXXX as it relates to my credit card and the account should be set as paid, and closed as a result of such misleading. FMA XXXX need to remove an collection statuses from my credit immediately.
This debt has been paid yet this company is still reporting this as late on my XXXX credit report
I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted experian and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.    XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX  dealer  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX  loans  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX   XXXX   XXXX  bank  XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX
I was called from what they call themselves " XXXX XXXX XXXX XXXX '' and are threatening to pursue in the court of law if I do n't pay a previous pay day loan that was taken out last year from Advanced America. I denied the first call because they refuse to disclose information regarding the company.  They then called several days later (XX/XX/XXXX ) and left a voicemail stating they know my location and that they will have to speak with my supervisor about this matter. The lady on my voicemail continues to say I have a case number to be filed with the court and end by saying you have been legally notified. I panicked and called early the next morning (XX/XX/XXXX ) and started to speak with the same rep I originally talked to. He tells me that they have a pending case for two counts, one for fraud and one for writing bad checks to the bank I had the time of the loan. I got even more frightened and immediately made a payment and was told I am required to set up a payment arrangement which I then did. After I set up the payment arrangement and made a payment I ask again for company information and I was given the same name stated above the same 1800 number and was denied an address. The man ( creditor ) began to be really defensive and told me that he does n't have to give me that information and again says if you want we can cancel this and you will have to fight this in court. I then ended the call telling him to please not cancel it I do n't want to go to court. I then decided to call later that afternoon to ask for proof of debt the lady that I asked immediately puts me on hold and puts her supervisor on the line she begans to tell me that they do n't validate debt and that I should have taken care of this loan in XXXX. She then also says that I have agreed to all of their disclosures and agreed that the debt was real and I was responsible if I cancel my payments I will be taken to court. I proceed telling her I should n't have given them information that they did n't have in the first place. At that moment realized they used bits of information they knew about me so they can get more personal information out of me to use against me in the event I become suspicious like I am. I then ask her for company information and she gives me a PO box and that they do n't have to disclose the address, she also tells me they are called XXXX XXXX XXXX XXXX and confirms the same 1800 number. I end the call and since I have checked my bank account to find the payment I made, it says it went to XXXX and has lines of X 's, and no other information that is traceable. I have been asking for help and feel highly stressed because they have a lot information about me but I have nothing about them since my debt from Advance America has been sold 4 times and I have come to a dead end because the last company the debt ended with is also not traceable which I was told was named XXXX XXXX. So far all I know is this company ( XXXX XXXX XXXX XXXX ) claim they own my debt and that I have violated of my rights and identity. The voicemail they left me is attached. 

Company Number : XXXX
The debt of {$1000.00} was paid between with 2016 tax return. I received a letter in the mail that it would be taken out of my return. When I received the return it had the money taken out. This debt has been paid
On XXXX/XXXX/15, I called Wells Fargo to ask why there was an amount of {$7800.00} due under total payment category on the bill. Incidentially, the amount has increased to {$9200.00} on the XXXX bill. I was told previously that I owed for XXXX and XXXX. I was calling to make the XXXX payment, with the statement that I would make the XXXX payment in another week. The repres. informed me that the amount of {$7800.00} was money in a holding account, that was unapplied. I asked her to request that this money be applied. She stated that she would ; and that, I should call back in 3-5 business days. I called back on XXXX/XXXX/15. I was told that there existed the request on file, but the request had not been completed. I asked why and again that these monies please be applied. I made a payment of {$1100.00} to bring loan current for XXXX 2015. I looked over my bank account to determine that Wells Fargo had made a mistake in the payment owed amount of {$1100.00}. Rather than drafting {$1100.00}, they drafted only {$1000.00}. I called and made the {$100.00} payment to bring the loan current for XXXX 2015. 
I called on XXXX/XXXX/15 and spoke with XXXX @ XXXX, to determine whether the funds listed above, had been applied. She stated " no '', because my loan came to them from Waucovia Bank, and there is thus, a special team of persons working on this 'ACP project loan '. They would likely not be able to apply the dollars in the holding account until XXXX. I informed her that I am in an active bankruptcy and I do not wish to be considered delinquent given that I have been making regular payments and I was told that the account is current for XXXX 2015. I told her that I do not want later to be considered for a foreclosure suit. She stated that even if I continue to make regular payments, they will continue to go into 'unapplied funds '. I can not fully understand why this is the case since there is a team of persons working on what she termed a few of these 'ACP project loans '. 
I am filing a formal complaint against Wells Fargo. I asking that you assist me by investigating this issue with the hope that these funds will be applied in a more timely manner and on a regular basis, so as to assist me in avoiding this problem in the future. XXXX stated that Wells Fargo has received multiple calls regarding this same issue. I lost my home to foreclosure once because of bank fraud. I am not willing to have this happen again. Please help me.
Equifax is the only bureau reporting 11 " unknown '' collections on my credit report. The other credit bureaus don't have anything negative on them. I have no idea what these are and it is unfair that they can just report " unknown '' items totaling 11 that aren't even mine let alone not doing a proper investigation by law that they are required to do when I file a dispute. They didn't respond to the one I filed ignoring it completely also a violation of the law. Supposed no-name account numbers below : Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX
There is an account showing on my XXXX  from LVNV Funding that I don't believe is mine. I would like this company to send me a copy of the agreement or contract I supposedly signed. I believe this was something an old roommate may have signed for.
There are a few medical items listed on my credit file which are unknown, I have disputed with nothing being received for validation I need help these are inaccurate
I have disputed this matter with Experian a number of times submitted prof this was paid in full. But Experian has ignored my complaint and has not remove XXXX XXXX XXXX XXXX still shows me as owing money. I need XXXX XXXX XXXX XXXX ending in XXXX. I am contacting a Attorney if they don't delete this.
loan # XXXX I have been researching how MERS Assigns its mortgages and MERS has told me that they do not keep the Promissory Note but only assigns the mortgage. 
SLS has told me that the, Trustee, XXXX XXXX XXXX XXXX XXXX is holding it but they are not the holders. 

I have asked SLS how did they come to have the promissory note when MERS assigned them the mortgage and did not assign them the Note. 

My question I keep asking is, how did SLS get possession of the original the promissory note?
I have been the Victim of ID Theft and have a fraudulent loan with a company called SOFI. I have disputed this fraud account so many times I 've lost count. I contacted the creditor and felt like they could care less about helping me resolve this matter. they did n't even know if they had a fraud dept. How sad is that? I have sent police reports aswell as other documents to them and they totally ignore them.
I took out an installment loan with cashland a subsidiary of cash america. I took out the loan for {$600.00} and by the time you add in their fees I will end up paying {$1500.00} because the finance charge was {$940.00} so close to triple the amount they gave me. They also did not give me any of the paperwork for the loan including the ach withdrawal authorization form. Only paper they gave me was payment schedule and amount they had financed. I think that is outrageous and shady business practices.
The issue of Equifax reporting and sharing this erroneous information has persisted for a very long time even though the information is being reported under my Satisfactory Accounts History. The Account was closed by me XX/XX/XXXX ( XXXX XXXX XXXX ) has and is reporting that the account was closed in XX/XX/XXXX. My requests to Equifax has gone unaddressed they sent me a Notice that my Credit File was being placed under Fraud Alert and XXXX XXXX and XXXX would also receive a Notice. This was and is done without my " REQUEST or AUTHORIZATION ''. XXXX XXXX and XXXX both have removed the over 10 years history from my Credit File and again I want Equifax to do the same as soon as possible and end the erroneous and incorrect reporting..
I made a payment for my tuition on XXXX University 's payment portal ( on XX/XX/XXXX2017 ) for an amount of {$710.00}. The webpage had a technical glitch and cause my payment to be charged three times instead of only one. I disputed XXXX of the transactions with my credit card company and they gave me a temporary credit until the issue is resolved. I managed to resolve the issue with XXXX University in regards to the duplicate payments and they gave me a refund for the XXXX extra {$710.00} charges by sending me a check. I reached out back to my credit card company and requested the dispute to be removed and marked solved. The bank marked the XXXX disputed ( case numbers XXXX and XXXX ) as solved and posted a re-bill on my account to process those payments. After a month of going back and forth with XXXX University they claimed that they only received XXXX of the re-processed dispute amounts - so there is a {$710.00} outstanding. Chase has done nothing to help me locate where that payment is and XXXX University has over exhausted their resources trying to find the payment processed by Chase. The XXXX disputes were reprocessed on XXXX/XXXX/2017 with the following description on my credit card statement " REBILLXXXX UNIVERSITY ''. 

Please help me find where the second payment is and why it has not reached to XXXX University. There seems to be some sort of fraudulent activity taking place.
I contacted TransUnion Online Dispute center that they were not reporting an auto loan that I have had for 2 or 3 years. The other XXXX credit reporting agencies are and there is a big difference between my credit scores with them and with TransUnion. Them not reporting is hurting my credit. They said it would take 30 days to investigate and after more than XXXX, they sent me an email to go to the website. On it was an updated credit report NOT showing again my auto loan and no explanation or anything else. The only updated items on report was its date and my recent address in XXXX. I believe they just want people to grow tired of contacting them and give up. I went through a bankruptcy in 2010 due to the economic conditions. I have worked very hard trying to get back in the system with good credit. I simply do not understand the big deal with them. All they are doing is including an auto loan that is an important part of a credit analysis.The other XXXX agencies are reporting it. I would attached any of the company 's investigation or comments But there are none. It just shows same credit report with my XXXX address.
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, XXXX and Experian credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.
I purchased an XXXX XXXX on XXXX XXXX, XXXX with my American Express Blue Card ( No. XXXX XXXX XXXX ). It proved almost immediately defective. I shipped it back to be repaired. The company billed me {$83.00}. I disputed this claim as the product was clearly defective. American Express agreed and reversed THAT charge. However, after an airplane flight early in XXXX the product proved defective yet again. I gave up on it as XXXX XXXX refused to fix it. I filed a dispute with American Express to get my money back ( I bought another XXXX from XXXX which has worked fine for over a year now ). 

The defective product should have been covered under American Express 's warranty programs. I treated the defective product in no way badly and it was only a few months old. American Express has refused to honor their warranty. ( The last Claim Number I have with American Express for this matter is XXXX ).
On XX/XX/XXXX I filed dispute with Experian and XXXX that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX  deleted the account.
My mortgage was bought by Green Tree in XXXX XXXX. My husband lost his job in XXXX XXXX and we got behind. We tried to work arrangements out with Green Tree. They are refusing my payment unless I bring it current. They are calling several times a day and faxing over personal info and payment history to my work fax and my co workers seen it. I paid a XXXX payment in XXXX $ 4200- because of there threats of taking my home. I paid another XXXX in XXXX and called another payment in for XXXX in XXXX. I was told I am still XXXX payment behind and needed to pay {$4200.00} for XXXX not XXXX and that would bring me current. I explained to them I do not have it. I then received another call a few minutes later from another account Rep - who handles my Account - I was threatened they would void my payment for that day and it would put me 60 days past due. I asked again to speak with a manager - who then gets on the phone and says they will look in to it. I called back the next day and asked if my payment had been voided, I was told no. I pulled my bank statement up and see they reversed it back into my bank account. How can they refuse a payment after excepting it. The tactics they use are not right for those who are trying to keep our homes. They are purposely refusing PAYMENT to damage my credit and make me loose my home. What can I do?? They told me to file foreclosure. I can not believe they would want to push a customer into foreclosure over being XXXX payment past due. I am trying to keep my home and have always paid on time until my husband lost his job. I have proof of them excepting the payment then voiding it. I believe they are playing games, I have talked to several people who claim to be managers who say they will look into it with no follow up.
This process began the second week of XX/XX/XXXX when my CURRENT mortgage holder contacted me and asked me if I would like to re-finance my loan. I spoke with XXXX XXXX at Caliber Home Loans and he can be reached at XXXX or XXXXXXXXXXXX XXXX turned me over to the loan processor below. 
Loan processor name : XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX and she can be reached at XXXX or XXXXXXXXXXXX XXXX XXXX has sent me letter asking me to get statements from my pension plans stating that they are guaranteed for the next 36 months. Apparently the underwriters were unable to understand the language of letter from my first pension plan ( XXXX XXXX XXXX XXXX ) so she contacted them and they sent me a new letter stating that I will receive this pension until myXX/XX/XXXX and I forwarded a copy to XXXX XXXX on XXXX/XXXX/XXXX. However, my second pension, XXXX is a XXXX pension and XXXX XXXX is asking for the same type of letter. XXXX can not guarantee that I will not break their compliance regulations and therefore can not send a letter guaranteeing that I will receive this pension continuously for the next 36 months. XXXX XXXX stated in her letter today that I could get a new letter from XXXX, so I did get that letter but it is the exact same language of a letter that she and the underwriters already have. She also stated that I could forward a copy of the XXXX handbook for the underwriters to read and then they would decide if this is sufficient for my re-finance. Again, this is my CURRENT MORTGAGE holder that I have been making timely payments to since they became my mortgage holder. I ca n't even believe that if I were a working individual ( not retired or XXXX ) that a mortgage company would require that my employer submit a guarantee letter stating that I have guaranteed employment for the next 36 months. No employer would put themselves in a position of guaranteeing employment for anyone for a future period of time. I believe that I was only asked to obtain these letters because I am over the age of XXXX and that I am XXXX. Please help me understand that this is a perfectly legal process for underwriters.
XX/XX/XXXX, I opened a XXXX with Capital One. This card was marketed as a business card, not a personal one. Billing and payments were handled by the accounting department of my company. I discovered that my company made late payments for the card XX/XX/XXXX, and closed the account. Capital One then began to report the late payments on my personal credit report. I contacted them to ask them to remove this information because I did not have control of the payments directly. They refused to do this. It is my opinion that Capital One misrepresents this card as a business card, when as it turns out, they merely write the name of the business on the card, and do not report credit issues in the name of the business. This is a deceptive and fraudulent practice. I would like Capital One to remove this item from my personal credit report, and properly report it on the credit report of XXXX XXXX XXXX. I also think they should be made to cease the false marketing of this product so that others will not be taken advantage of and have their credit wrongly affected.