WillisBack/dataset-financial-user-claim huggingface dataset:
I I mailed a statement in to equifax that I wanted added to my credit report. When I noticed the statement had not been added I called equifax to inquire. The agent advised that she did not see a statement and that she could add it if I give her the information. When I received a copy of the statement that she had added, it was full of errors. To add insult to injury I have had my y credit pulled a copy of times and the only portion of the statement that shows up is " XXXX XXXX XX/XX/XXXX PAYMENT HISTORY SHOWS MY COMMITMENTS OF MAINTAINING A GOOD CREDIT HISTORY '' this was a small portion of my statement. This was intentional by Equifax to not report the full statement as I advised that I am in litigation against equifax on XXXX matter and will be filing XXXX additional suits against them. Again Equifax continues to operate in a malious manner that continues to cause me financial and emotional harm.
I opened up an account with XXXX XXXX. Made a large purchase. XXXX XXXX wrote my address wrong omitting the XXXX. I did not receive a bill for 2 months. When I did I paid it in full except the two late fees that they were to reverse. They never did and they never updated my address until 5 months later. By then my debt had increased due to late fees. I explained to XXXX XXXX  they said I owed them and sent me to XXXX XXXX. I explained to them what happened and at one point by looking at my statements they confirmed my incorrect address and that I just left a balance of two late fees but refuse to remove this from my credit.
PHH Mortgage ( XXXX ) calls every month beginning from the XXXX of the month until the mortgage is paid before the XXXX of each month.My mortgage payment is current, but the calls are incessant from XXXX until after XXXX. 

I want these calls to stop.
Sveral months ago XXXX sold my mortgage back to Bank of America. I had previously fought with BOA with an attorney for 2 years unitl they gave the loan to XXXX.XXXX and I resolved the mortgage and a contract was drawn up changing my interest and payments to {$780.00} per month for 40 years and they would pay the taxes. This contract was signed by the VP of XXXX and myself as bonding as it was negotiated between attorney 's. Within 2 months of BOA taking the loan back they started adding fees for taxes, their attorney 's payments and insurance running the monthly mortgage payments over {$1100.00} per month and climbing. They refuse to acknowledge I have home owners insurance and requested to pay the taxes myself. I was never contracted to pay for their attorney 's fees as I paid for my own fighting with them and their repeated lies. Their unlawful demands are now hurting my credit. I owe {$190.00} on a home valued at approximately {$130.00}. And am ordered to pay the bank {$54000.00} cash when I turn XXXX years of age. I have been a XXXX for 32 years and am currently working for XXXX in XXXX, Pa.
they didn't provide me with my original signature, And two this letter clearly says pay XXXX balance in full
I have contac ted Nelnet and g otten NO remlief. They are reporting  XXXX  accounts, late payments and the info on the credit file i s INCORRECT. I hav e requested the original signed contract and complete payment history They provided and I will attach it. It does NOT have the entire payment history becau se Nelnet sold the account to a third party ( whom I contacted and they said they DO NOT have the payment history at the time they had possession of the account ) I submitted the proof of Nelnet  having  XXXX  accounts and making them ILLEGALLY copbined sub and unsub loans to then report them as  XXXX  loans and showing late payments without PROOF of the entire history and that IS ILLEGAL according to the FCRA!! I contactd the CRA 's and even had a RECORDED phone call wi th NELNET  and  XXXX . NELNET ADMITTED THEY DO NOT HAVE THE COMPLETE INFO AND ARE REPORTING PARTIAL INFO AS THAT IS ALL THEY HAVE They claim it is legal for them to break the  XXXX  loans into  XXXX  and report them however they wish!!! This is and has been a battle for nearly a YEAR. NELNET is NOT IN COMPLIANCE with ALL credit reportinglaws and IKNOW it and are NOT doing anything to correct it as the FCRA states clearly REMOVE the account there are factual data errors on the account! It is ILLEGAL to re-age the loan ( ONLY  XXXX  LOANS ) and make them  XXXX  to report or to change or report ANYTHING they can not PROVE IN FULL!!!!! I want this account and ALL accounts reported  by NELNET REMOVED AT ONCE!!!!! IN THE VERY PROOF NELNET HAS THEY SHOW THE FIRST DATE OF DELINQUENCY IS OVEr 7 YEARS OLD!!! That is grounds for IMMEDIATE removal!!!!!
Ally financial is the company were having problems with Ally financial is reporting to the credit bureau for my wife and I that we were 30 days late on our XXXX XXXX and 30 days late on a XXXX XXXX when I called financial I told them that I have two letters from my credit union stating that this was a error of theirs. The air was that my wife and I have automatic bill pay and there was a glitch in their bill pay system which calls the payments to be late to Ally financial I have spent six months trying to get this problem resolved I have been told that this was going to be taken off my credit report then they said it wasn't going to be taken off the credit report I have faxed six sets of this letter as they requested in the still no avail Their customer service is been very poor and in accurate it seems like the left hand doesn't know what the right hand is doing since this was not an error of my wife and I and I provided documentation and proof that it was not our fault we've asked them to remove these derogatory comments off of our credit report which are hurting my wife and I 's credit score. I happened like two numerous times and have been treated like a third class citizen for something that we didn't take part in our credit report is good but it has taken a beating for a credit score I really need your help in trying to straighten this out because we are at wits end now
I have been working with Citi Mortgage on a 2nd loan modification for years now. I was in review for a loan modification, on XX/XX/XXXX, i faxed them over the only items they stated were missing which were paystubs and bank statements. On XX/XX/XXXX, i called in and spoke with XXXX whom confirmed that the the paystubs were received and she stated she would put in an urgent request to get the sale date postponed. I called again on XX/XX/18 and spoke with XXXX again who stated that the Asset Manager had not responded to the request yet but she would send another email and they would call me as soon as possible. As eager and concerned i became, i could not wait for a call back and called again on XX/XX/18 and spoke with XXXX. She stated that that they now need the XXXX form and the updated XXXX ( which was newly requested and never mentioned before ). The same day and i went onto their website, downloaded the forms and faxed them in to XXXX. I called back XX/XX/18 and spoke with XXXX who stated the XXXX i sent in was incorrect, i mentioned to her that it was from their website. She stated she would fax me the correct form so i can send it. As of today, i still have not received the correct form so when i called again and spoke with a XXXX, she proceeded to tell me that it was too late to send in the information and i had to do so 7 days prior to the sale date. I requested to speak with a Supervisor but she said there was nothing they can do. I dont understand how I can be set up in a way to lose my home. At this point, i just need help. Please, i beg.
About a year and a half ago I purchased a membership to XXXX over Texas. I paid off the membership, and have provided proof to the debt company that it has been paid off. I have been harassed for months about this issue. I have issued verbal and written statements that they are not allowed to call me again, that the debt was paid, and that they have received proof of payment. They have acknowledged all of this, yet they continue to call, sometimes multiple times a day, and harass me at home and at school. They have used intimidation tactics, such as saying if I do not pay the debt in full they will destroy my credit. They have talked to my father, invading my privacy and causing emotional and social stress. They have not, as they said they would, sent me proof that the debt is owed. It has been more than 30 days. They are being fraudulent and negligent. They have reported it, falsely, and it is impacting my credit negatively and harming my ability to take out loans to pay for college and get an apartment.
Last correspondence from Chase dated XXXX XXXX, 2016 confirmed that I was approved for loan modification under a Trial Period Plan starting with a 1st payment of {$2600.00} by XXXX/XXXX/2016. First time was made on time on XXXX/XXXX/2016. 2nd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016 and 3rd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016. Acceptance of the terms of the offer of the Loan Modification was to make the first monthly trial period payment in place of the normal mortgage payment. and subsequent trial payments. However, I received a Mortgage Loan Statement dated XXXX XXXX, 2016 reporting a past due amount of {$3200.00} and total amount due of {$6500.00}. 
This report is negatively reflecting payment as past due on my credit report and construed as derogatory.
XX/XX/XXXX, XXXX XXXX and I ( XXXX XXXX ) were approved by Wells Fargo for a Deed in Lieu of Foreclosure. I received a letter stating that on XX/XX/XXXX, the process would be completed and the account would be closed. Wells Fargo continues to report to XXXX every month that we are missing a mortgage payment. XXXX correctly reports that the account has been closed. I have contacted Wells Fargo about this matter, but my complaint is never addressed or fixed by the representative I talk to.
I filled out online loan application for a mortgage refinance with Pacific Union Financial XXXX XXXX. Never received a credit decision after submitting all requested paperwork.
I have contacted Experian several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Experian several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Experian and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX  XXXX XXXX account XXXX {$40.00}, XXXX, account XXXX {$2900.00}, account XXXX {$6900.00}, account XXXX {$3400.00}, account XXXX {$7100.00}. I have even sent copies from XXXX & Experian showing that they deleted items that Experian keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
As stated before in several complaints against BMW Financial Services and again here, payments on my loan do not reflect a total of XXXX down as negotiated with selling dealer, BMW of XXXX XXXX. The sales manager, XXXX, was attempting to extort XXXX out of me as a total of XXXX was supposed to be put down. However, only XXXX was put down and XXXX wanted me to give him XXXX in cash for his pocket. His exact words were, " You 're putting down XXXX but it will only show XXXX ''. Complaints against dealer have been made with XXXX ( XXXX ), Attorney General of Connecticut, Consumer Affairs in Connecticut, all unresolved. An extension would have remedied the matter, however, BMW Financial Services will not make an exception and denied all requests. Ive attempted to reach a XXXX XXXX, left several voice messages, in regard to this. He does not return calls. It appears BMW Financial Services will not budge in any direction in regard to this matter. Please consider this matter unresolved and advise them this will not go away, they will need to do something about this or they WILL continue to receive complaints.
I was one of 150 million people who had their account, social security #, potential credit card information breached due to Equifax 's inadequate protection of that information and due to their greatly delayed informing of those effected.
XXXX FACTACT FREE DISC XXXX XXXX Capital One For the record Im beginning to sound like a broken record repeating myself. Seems to me no XXXX but a computer is hearing my situation. Ive contacted you several times asking for verification steps that the creditor and the credit bureau took in order to accurately ensure that it is in fact mine and not a fraudulent inquiry? I received several XXXX and bogus message with no actual answer and I know by law according to Section XXXX in the FCRA it clearly reads that the creditor nor the credit bureau can not attempt to place any new credit account or credit inquiry onto a consumers credit profile without consent and accurately verifying. Now that I have copies and record of you consistently ignoring my letters, messages, and breaking several laws in the FCRA Im am now determined confident and ready to take legal matters against the creditor and credit bureau. I am not allowing no time to respond back to this matter. You had to much time to respond but you decided to disrespectfully ignore my letters, email, and everything else. Im more than delighted to take this matter to XXXX XXXX XXXX XXXX XXXX and prove that the inquiries are fraudulent, an error and dont belong to me.
On XX/XX/XXXX, I was scammed by an online scammer for {$600.00}. He tried to convince me to pay him {$600.00} through BOA XXXX service. A few minutes after I submitted the transaction using BOA mobile app, I realized that I was scammed as I searched the scammers information on XXXX. I started to contact BOA immediately to seek help and got nothing but frustration in return. 
First of all, it is around XXXX XXXX time, I could not find any telephone custom support from BOA since they end at XXXX eastern time. I searched for hours until I have to call BOA credit card department. After waiting for more than 30 mins, eventually the custom representative told me I can still call the next day to cancel the transfer or file a dispute to get my money back. But I have to contact XXXX first. 
With high hopes, I slept for a few hours and woke up XXXX on XX/XX/XXXX because the XXXX online custom service opens at XXXX XXXX XXXX. I was told by XXXX that I have to contact BOA as they are the bank initiated the transfer. I had to call BOA and waited for another half hour. I was then transferred to fraudulent department who then transferred me to move-money department. After more than 1 hour since I started calling BOA, XXXX department representative told me that I will not be able to get my money back unless the scammer gives back the money willingly. After about half hour frustrating talk, I asked to talk to higher-tier representative. He just hung up on me. I had to call BOA again and waited another half an hour to be transferred to high-tier manager, who in the end confirmed explicitly with me that they can not do anything unless the scammer agrees to return the money willingly. BOA will simply transfer the responsibility to XXXX XXXX for them to contact the scammer. 
Based on the internet search, the same scammer uses BOA XXXX XXXX holes, and the unwillingness of BOA to protect its own customers, for more than 2 years without any action from BOA. 
I fully admit that it is my fault and misjudgment to submit the transfer and trust the scammer. However, the handling of the case from BOA is completely unacceptable to me. As a custom of BOA for more than 10 years and stock shareholder, the ignorance from BOA by providing such a vulnerable service, so susceptible to fraudulent transaction, without any protection to its own customers for years, makes me feel frustrated and infuriated. 
My case number is XXXX
SPS is in violation of CA HBOR and RESPA guidelines. At issue is that a short sale package was submitted to SPS on XX/XX/17 and SPS is refusing homeowner 's legal right afforded to him under CAHBOR to avoid foreclosure. 

Lenders and servicers operating in CA are required by law to allow homeowners to avoid foreclosure and SPS is breaking the law by refusing to review homeowner for foreclosure alternative methods. 

Additionally RESPA requires lenders and servicers to acknowledge work out request packages within 5 days of receiving them. By automatically denying that review they are in fact violating RESPA guidelines. 

Lender must comply with the law and allow homeowner to proceed with short sale request and stop acting a foreclosure mill intent on charging fees.
XXXX XXXX, XXXX, around XXXX XXXX, a representative by the name of XXXX XXXX of XXXX called my home. XXXX stated, " I am with XXXX. XXXX is in the process of filing suit against you for {$6000.00}. We are trying to collect at least the XXXX grand that you owe. " I did have an account XXXX in XX/XX/XXXX ( {$900.00} and made XXXX payment of {$99.00} ), however, I filed bankruptcy, during that time and my home was sold ( XX/XX/XXXX ). 

The representative referred to me by my present name, and former name ( last name of marriage ). " XXXX XXXX '' ended the call when I told him that I was going to contact an attorney.
Hello my name is XXXX XXXX and I am writing in regards to the company known as Big Picture Loans. On XXXX XXXX I was approved for a loan that was set for XXXX dollars. Upon receiving the loans I was told by the representative via phone that there would be a charge finance charge in the amount of XXXX but I still took the loan. After accepting the loan that I noticed that my first payment was more than what I was told over the phone. So of course I contacted them but they were no help at all. I was placed on hold numerous times only to be let down after every hold. So I reviewed the email that they sent regarding my loan after I was approved and reviewed the truth in lending disclosure ( in which by the way I had no idea about upon receiving my funds ) The APR of the loan was 989.1897 % with a finance charge of {$6000.00} ... .Also stating my payments would be XXXX after paying off the loan. I was extremely confused as to why this information was not given to me before I accepted and I have only made one payment. But I am for sure that with an APR that high that this is illegal. I would not have had a problem paying off the loan amount had it not been XXXX XXXX dollars but I am even more upset because I was lied to and information was hidden from me before accepting. Please look into this company because it seems like a major scam and I am hoping that you all can help me get this issue resolved. Thank you so much for your time and have a good day.
On XXXX/XXXX/XXXX I mailed via CERTIFIED mail, the XXXX XXXX mortgage payment of {$990.00} to Ditech for loan number XXXX ( Addressed to : Ditech, XXXX XXXX, XXXX Ca. XXXX ) It arrived on XXXX/XXXX/XXXX and no one signed for it, it was returned to XXXX and then sent back to Ditech, it arrived on XXXX/XXXX/XXXX and no one signed for it. I called Ditech on XXXX/XXXX/XXXX after I discovered both payment we had sent via certified mail had not been signed for, XXXX ( ext XXXX ) could not say why. I went online and paid for XXXX mortgae, but as I am in a almost 2 year dispute with this loan ( They say the loan has a {$290.00} back owing, but they have never been able to point to where this originates from, and I have paid in full cancelled checks for every mortgage payment ), so she told me to hold on paying this XXXX and she would call me back. On XXXX/XXXX/XXXX I received a statement that says I owe {$3000.00} with {$700.00} in suspense, I tried to go online and make a {$990.00} payment for XXXX, but the electronic payment amount is prefilled in as {$1900.00} and will not allow a lesser payment, so it does not allow you to use the " Funds in Suspense ''. I called and left a voice mail for XXXX, who has never called me back. I also now have a late fee for the XXXX payment they refused to sign for. I do not owe anything but the XXXX XXXX payment as of this date AND that is ONLY because they did not sign for the certified mail. They have NEVER been able to explain where the {$290.00} originated from.
I was selling to a Broker the house. I was behind in payments because of unemployment and rather sell than have property repossess. The Title company paid XXXX early ( as agreed ) the full amount of the debt. The check was received XXXX XXXX, ( the title company had until XXXX XXXX to pay and get the property ). Now on the XXXX of XXXX XXXX sold my account to Caliber Home Loans. In XXXX I received a letter that I owe XXXX cents plus {$1000.00} on interest on a 30 yrs. mortgage. The XXXX cents were " sold '' by XXXX? Now the check was processed by XXXX on the XXXX eventhough the " property and loan had been sold to sister company Caliber H L a day before. My debt is going up exponentially. What can I do?
My Barclays arrival credit had a balance that I was paying consistently. I was then enrolled into a credit relief program. They settled the account with Barclays. This was settled and paid off however Barclays still shows it as a charge off which negatively affects my credit.
I did not sign, endorse, authorize and or consent to any contract or applications that created any inquiries with the listed corporation, agency and or company. Moreover, I have not applied for, neither received any services or credit with ( " GC Services '' ). I have no accounts and/or contract with ( " GC Services '' ), nor do I wish to contract with you. I do not authorize or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. This includes all file ( s ), contract ( s ) and or information containing the name ( s ) " XXXX XXXX XXXX, including but not limited to addresses, email address, social security number, credit card information, phone numbers, etc. in any variation, spelling or derivative. I do not consent and/or authorize the disclosure, publicizing or revealing of any information pertaining to me to any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which ( " GC Services '' ), is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with ( " GC Services '' ). Further, there being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry be removed from my Consumer Report immediately and a copy of such deletion mailed to me. This is an attempt to correct your records and any information obtained shall be used for that purpose.
They refuse to allow the consumer to dispute wrong information online without purchasing a Credit Report with a report number. 

They will ALWYAS show a generic " Unable to honor your request. '' message on the website.