WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a checking and savings account with navy federal XX/XX/XXXX since I am a veteran. a week after opening the account, I was also approved for a credit card with a {$1600.00} limit. when the card arrived, I purchased a pot set from XXXX for {$37.00}. a week after that, I tried to use the card to purchase gas and it was declined. I logged into my navy federal account online to check my balance and the message I got was that my accounts were in a restricted status. I called navy federal and was told I needed to send in my id and proof of residency. I did. 2 weeks later no response back so I went in a local branch. the representative there asked me if I had ever had a navy federal account before and I told her no. she told me there was an account under my name but different address and social information so it has my account on restriction until they investigate. I asked her what address and information did it show so I could file a police report and she said they couldn't tell me but rest assured someone would call me. I left there pissed off. I went home pulled my credit report. navy federal was not on there, but 10 other accounts that I wasn't familiar were. the credit bureau told me to file a police report and identity theft report and I did. i called navy federal and asked where I could send these reports to them and they said they didnt need them because my accounts were all on a permanent hold and could never be used. they didnt even give me a chance to show my innocence. I still mailed in my reports and explained my situation and never heard back from them. XX/XX/XXXX, I called navy federal and spent an hour on the phone trying to get to a supervisor and wasn't allowed to. i started watching my credit on XXXX XXXX since it was free ( my first report i pulled was {$39.00} ). it showed i owed navy federal {$12.00}. i mailed a money order. in XX/XX/XXXX, XXXX XXXX said i owed them {$42.00}. i mailed that too. fast forward to today. they JUST updated me as 90 days late and i owe them {$88.00}.
I obtained an FHA mortgage in XXXX through XXXX Bank. who then sold it to XXXX XXXX XXXX. While my loan was with XXXX XXXX XXXX as the Lender and Servicer, I became unemployed, XXXX and unable to keep up with payments. I applied for a Loan Modification back in XXXX. Went back and forth for over a year. Then suddenly there was a new servicer, Roundpoint. They told me that I no longer had an FHA mortgage, it is now Conventional. I was never made aware of the change. During this change, I was in the process of applying for the Making Home Affordable program. I was recently told that I am not eligible for any Government programs because my loan is now owned by a Private Investor. " XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX XXXX Roundpoint finally approved me for a modification but my monthly payments went UP. Now I reallly ca n't make payments and I 'm afraid I 'm going to lose my home. PLEASE HELP
Throughout the past several years I have received several letters stating I owe an unpaid debt for the amount of {$380.00} to XXXX XXXX XXXX  XXXX XXXX XXXX addressed to a person named XXXX XXXX XXXX XXXX. I have a similar name and can only assume that is why I am being sent the letters. Each time I have received the letters I have notified the collection company to inform them that I do not owe the debt as I have never lived at these apartments and that the letter is addressed to an individual with a similar name as mine. Each time I have been asked a few questions as to my identity and have been told the letter is for a different person and the letters temporarily cease. However, eventually I received other letters and would like the company to cease and desist all further attempts to collect this debt from me that someone else owes them.
Per my credit report in XX/XX/2018 XXXX XXXX reported that I had a delinquent payment. There is no amount attached. I did not have a delinquent payment per my online statement. I called XXXX XXXX and they did not have an answer as to what happened but they would try to fix it. It hasn't been fixed yet. I understand that it hasn't been that long but this isn't the first time. When I was refinancing my home I found an old delinquent report from XXXX XXXX as well but it was so long ago it was hard for me to prove. If you look at my credit history I have never had late payments accept of course for XXXX XXXX.
I called XXXX XXXX XXXX on or about XXXX XXXX to inquire if they were able to or willing to finance vehicles with a salvage title ( the salvage title status with THE first subject that I brought up ). I was told " yes '' by the representative on the phone and I went through the steps to become a credit union member and applied for the auto loan on the same phone call ( the vehicle 's VIN number was given to the rep. for XXXX pricing to be obtained ). I was approved for the full asking price on the spot per the representative and received instructions on how to fund my loan for said salvage title vehicle. I moved forward a week later ( after some due diligence on the status of the vehicle ) and opted to have checks for the full amount of the vehicle purchase, as well as promissory note sent overnight to my address. I later signed and returned one of the 2 promissory notes enclosed ( one copy for my files ) and brought the check to the dealer to purchase the car but the check was not honored by the bank ( XXXX ). I called XXXX to find out if I missed a step or if the check was endorsed incorrectly and I was told that they could only finance 50 % of the vehicle 's XXXX value but with my credit score they were not able to do that amount. I have asked for an upper level representative to call me but no one has called me to resolve this issue. I have already taken possesion of the vehicle and as per the XXXX member website this loan remains under my name and my first payment was due on XXXX XXXX. I have included the screen shot where I HAVE PAID THE FIRST PAYMENT ON THIS LOAN ALTHOUGH THEY HAVE REFUSED TO FUND IT. I 'm not sure what else to do. I mentioned to the rep I had been very forthcoming on the first phone call regarding the this vehicle 's salvage title and never kept it a secret.
I am a victim of identity theft at one point there were addresses listed on my Credit Bureau reports from XXXX, XXXX XXXX, XXXX  and multiple addresses here in XXXX where I live I reported the fraud to the FTC I file police reports and in addition to that there were fraud alerts added to all of the three major credit bureaus the other Banks all acknowledge the fraudulent activity and have removed the fraudulent accounts from my credit report but for some reason Bank of America is still standing by their their decision that this is a legitimate account please show me some proof so far you've not provided any proof guess an account was opened yes it was used but not by me and of course the information is similar this is why it's called identity theft if the information didn't match mine it wouldn't be called identity theft please explain your point of view you keep telling me that you have validated the account because the information matches of course it does this is the problem.
My husband and I are in the process of purchasing a home and refinancing a car loan. As I was the credit union to complete the refinance paperwork the loan officer asked me about a recent credit collection that posted to my account. I told her I had no knowledge of it and she gave me the information to contact Portfolio Recovery Associates who just reported a debt I admit I owe from a XXXX XXXX credit card. The issue is not about the debt the issue is the fact they did not notify me of my right to dispute within 30 days as I would 've called them immediately to take care of this because I do not need this kind of blemish on my credit. I spoke to XXXX XXXX to set-up arrangement and she began to verify my information and admitted they sent the dispute letter for this collection in XXXX to the wrong address I then asked so what happens after I pay in full will this be deleted from my credit reports. SHe told me no they do not delete and I have a problem with this because its easy to report so it should be easy to delete after paid especially since I was never legally notified. I was then escalated to XXXX who said the same thing then she asked me if XXXX XXXX notify me when they sold the debt to them in XXXX 2016 and I said no its not even about XXXX XXXX its about Portfolio informing me and I was not informed of this debt being sent to collection or given the chance to make arrangements prior to them doing so. I called back and spoke to XXXX and she said the same thing its policy that they do n't delete and I said even if I did n't get the notice because you sent it to the wrong address. She said its not their fault that it went to the wrong address her exact words. So I told her that I would be filing a complaint. I set up arrangements for this account to be paid on XXXX/XXXX/2016 all I want for them to do is delete it after it is paid because they are total violation of my consumer rights. they said they update the credit bureaus 10 days after payment that account is paid in full. Not happy about this. If the consumer is willing to pay as I never denied debt which they continued to harp upon it still does n't change the fact they acknowledged letter was sent to wrong address.
I am the victim of " XXXX Financial Abuse '' and I with this application through your Bureau attempting an approach to the XXXX, Wells Fargo Bank , NA, XXXX, TX, of my taken Trust Funds, also houses the account holder, that has possession of estimated amount of {$170000.00}, of our trust money. And want this bank, since it is the 1st party that accepted the deposit, bank to bank or wire transfer, to send it bank to our Trust Holder bank which is XXXX, XXXX, CA.
I found numerous errors in the XXXX report issued on XXXX XXXX, XXXX : wrong names associated with my personal information ( SSN, DOB, address, etc ). I also found that my unlisted phone number is actually listed in several marketing databases even though registered my phone number with no-call list maintained by Federal Trade Commission. 

I attempted to contact an American representative of XXXX company but after about 20 calls all I was getting was XXXX customer service, and did n't feel comfortable revealing any personal information to them, especially after my identify was stolen 2 years ago, possibly by some overseas customer service representatives.
I have disputed a tax lien that has been released with all XXXX credit bureau and disputed them through credit karma ( tried to dispute through XXXX, but they are impossible to navigate disputes ) ... I also had disputed XXXX that was satisfied and removed, but still showing on my report..
A COMPLETE modification package was sent in and the review process started. XXXX documents were requested by SLS and sent in that same day. On XXXX SLS stated they are refusing to review the file as the sale date is TOO CLOSE. The loan mod review had started. IN CALIFORNIA, a complete package must be in 7 days prior to the sale date. The sale date is set for XXXX. SLS is dual tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a homeowners home while simultaneously considering the homeowners application for a loan modification. Rules issued by the Consumer Financial Protection Bureau ( CFPB ) as well as various state laws and the National Mortgage Settlement ( NMS ) offer protection to homeowners in this situation. The CFPB rules, which became effective XX/XX/XXXX, strictly limit the ability of mortgage servicers to foreclose on a borrower while also negotiating a loan modification. SLS is discriminating against XXXX XXXX based on her race, ethnicity, language, national original At this time, we are demanding the sale date be postponed to continue the review or XXXX XXXX will assert her legal right in district court naming SLS as a defendant
There are XXXX fraudulent accounts on my credit report and XXXX fraudulent credit application inquiries. The fraudulent accounts are XXXX, XXXX and XXXX. The fraudulent inquiries are XXXX XXXX and XXXX. I filed a police report. I sent a letter with my documents and police report to Transunion asking them to remove the fraudulent items. Transunion has taken longer than 30 days, and has not removed any of these items. Please regulate Transunion 's handling of this matter and enforce them to send me the detailed results of their investigation within a proper time frame according to our laws.
I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!
I disputed my previous name. I am recently married and was denied a loan application because Equifax had not updated my name properly. I have tried to access a new report but the error message says my name does not match what is on there system.
The BANK HAD SOMEONE TO TAKE MY CAR WITHOUT ME KNOWING THAT I WAS UP ARE IN LINE FOR A REPO.
On X/XX/2017, I sent a letter to XXXX, Experian, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.
I had XXXX of my accounts removed and inquiries removed at the beginning of XXXX 2015 without my consent. I see now that Equifax has did a mediocre investigation, while I do appreciate them adding my accounts back on, which are XXXX accounts on XXXX which were previously deleted because they were not mine, need be deleted and they also added about XXXX XXXX inquires which are not mine and must be deleted. If they took the time to look at my credit report as reported on XXXX XXXX, 2015 they would see my credit score was a XXXX and now has dropped to a XXXX, this is not acceptable and they must take the direct actions to remove accounts that were not on my record before as well as remove inquires which are not mine. I would also like them to open accounts which they have closed. My credit needs to be a XXXX or higher now and because of this it has dropped Equifax needs to fix this now. 

These accounts were XXXX : XXXX, Inquiries, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, I did not authorize these inquiries. 
My name is reporting wrong as well XXXX XXXX XXXX be XXXX XXXX XXXX of my accounts that were open are not stating they are closed. I would appreciate it if Equifax reported the open accounts. I have attached my credit report for their review from XXXX/XXXX/2015 before my accounts were removed. I would appreciate it if they could report the open accounts as they are in my report as it is from XXXX XXXX report in XXXX 2015. Also Remove the inquiries those are not my inquires and must be deleted. Thank you Equifax. These dysfunctional reporting cause my score to drop XXXX points and my credit score dropped because of whatever happened which was unauthorized. I need Equifax to fix my credit score and fix the accounts I attached my report on XXXX XXXX, 2015 and am reattaching it again XXXX XXXX, 2015 which is true and I will notarized and documents to prove my honesty. I need my credit report to report exactly as is or else Equifax is breaking the law to me as a consumer. I Demand them to fix this asap.
Amex is still showing active the account is closed have n't used it since 2014/ was joint account w x-husband pls take this off was showing XXXX on XXXX XXXX for credit limit {$14000.00}. Each
A bank foreclosed my property, which I did n't have any loans with, and they were helped by the Law Offices of XXXX XXXX. I believe the bank was bayview loans, but am not sure because nobody ever told me who was my mortgage company, after XXXX XXXX XXXX did n't finish the short sale I had going on with them, because an issue with the title of the property, something that if XXXX XXXX XXXX could n't do it, how come this bank bayview loans was able to do it? by forging a loan modification that I had with XXXX XXXX XXXX prior to the short sale. 2 years, after the real loan modification was created.
On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.
XXXX XXXX has reported to my XXXX credit report that I was over 30 days late on a car payment I was not late I filed a claim for lemon law for that car and XXXX bought the car back because of the problems with the car. The offer was made to buy the car back on XX/XX/2008 I turned the car into XXXX I have no idea why it took them past the 30 days to pay off the the car
To whom It may concern I feel that the Lender purchased our property at a nonjudicial foreclosure sale, there by violating Civil Code section 2923.6, the prohibition on " dual tracking '' contained in the Homeowners Bill of Rights when they conducted a foreclosure sale of my property while the loan modification application was still pending. If you need any other information needed will be forwarded. 


Yours truly, XXXX XXXX
I got an alert today that the company SENTRY CREDIT INC is reporting a collection account on my credit file. THIS IS THE 2ND TIME THIS ACCOUNT WAS ADDED TO MY REPORT. I disputed it in XX/XX/XXXX ( original case # XXXX ) initially with the CFPB and it was removed now again in XX/XX/XXXX its reinserted. I have no knowledge of this debt and i was never given a DV or anything. This is a reinsertion of a deleted account with the same company! this is not my debt and it should be re-reporting after it was deleted
lost wallet years ago and i am a product of my negligence of leaving my wallet in a supermarket to only vome back and it be gone ever since i havent had any breaks years of repair is needed to stop these fraud accounts from being resold to new collection agencies act # XXXX
XXXX charge me for service and product for that they erroneous duplicated. They sent me XXXX modems and XXXX different phone numbers. XXXX I used for year and half and other modem I sent back. I have tried to get this corrected since the service started om XXXX of 2013. They claimed I owe them {$350.00} for service I never had.
this company " TRANSWORLD SYSTEMS '' keeps calling and leaving robot voice messages on my answering machine saying they are attempting to collect a debt TEL:XXXX CASE # XXXX, the debt is not my debt, but they call every other day harassing me.