WillisBack/dataset-financial-user-claim huggingface dataset:
I  XXXX   XXXX    XXXX  . According to my credit report this loan was opened  XXXX   XXXX    XXXX  . The original loan amount was  XXXX , and now it shows  XXXX . I did not take out this loan considering i was  XXXX  to  XXXX . Neither did my spouse. I ca lled Omni fin ance of cali and they said they no longer have this account and it was given to    XXXX   XXXX  . I called   XXXX   XXXX   to get proof of my getting this loan, i.e. signed documents and i.d . used and they say they can not provide this documentation. They said i have to ask omni of cali.   XXXX   only provided a typed pap er with my name on it and the amount, no signature or social or anything. Anyone can just type a piece of paper. Omni of cali refuses repeatedly to provide any documentation. Calling both companies repeatedly has resulted in the same problem, nobody can provide this documentation. I disputed with  XXXX  several times and they said if omni said it 's valid then they take their word on it. This is not ok in any way whatsoever. If you can not provide any signed documentation and the id used to get this loan, then take it off of my credit report.
I recently reviewed my credit report from Experian, and discovered that XXXX claims that I have an unpaid account opened on XXXX/XXXX/2014 with a balance due of {$190.00}. I have never had a XXXX account at any time. The account number on the report is : XXXX. I want this error removed from my credit report.
I am in the process of getting new mortgage, however I need to get a lien release from XXXX XXXX XXXX book page number : XXXX XXXX ACTING SOLELY AS NOMINEE FOR XXXX XXXX XXXX  Date : XX/XX/XXXX Date Recorded : XX/XX/XXXX Amount : {$370000.00} MATURITY DATE : XXXX/XXXX/XXXX which I paid off 15 years ago. I contacted Bank of America and they were not able to help me. My lock in expires XX/XX/XXXX. I need to get this resolved before that date. I have been chasing this lien release for 24 days now and no one can help me. I have a existing complaint regarding the same matter with XXXX XXXX XXXX Complaint # XXXX. I am not sure if both companies are the same. 
Please call me at XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
XXXX SUNRISE CREDIT SERVICE and XXXX SUNRISE CREDIT SERVICE are both of the same account that is reporting to the credit bureaus twice for the same account and changing the balance amount owed. If you were to take a look at the account numbers you can see where they have taken numbers off or added to make like it is a different account. 

I have disputed this account back and forth numerous times for the past months. Each time i have asked them to provide proof that the account is mine and the Sunrise has  failed numerous times to produce the proper evidence. 

This needs to be remove from all of my credit reports because Sunrise Credit has violated the Consumer Fair Credit Act on multiple accounts. 

Both accounts needs to be deleted off of my credit reports.
On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to Experian and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their Experian reporting. They verified their reporting was incorrect and verified that they sent over the correct information to Experian on 3 different occasions. Experian alleges they never received the updated information so my score is still suffering because of this one account and Experian 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The Experian Dispute team is not helpful what so ever and the guy I talked to today even hung up on me.
I 've had a Wells Fargo Secured Credit Card for two years. I funded the account with {$800.00} from my Wells Fargo checking account. When I called Wells Fargo to close the account today ( XXXX/XXXX/16 ), I was informed that the outstanding account balance, {$600.00}, will be applied from the {$800.00} deposit. This I expected. However, I was informed that the balance refunded to me will not be given back to me for 45-60 days. In addition, until the amount was refunded to me, I will have to make payments or be charged late fees. Also, I was told that the account needs to have that long of period to refund the difference in case there were any transactions from merchants that Wells Fargo has agreements with so the amount could be charged to the account.
American Express card offered me to shop on XXXX XXXX, 2015, the small business Saturday, and told me if I spend more than {$10.00} on XXXX/XXXX/15, I will get {$10.00} statement credit, so I did spend {$19.00} on a small business XXXX I chatted with Amex rep in earlier XXXX, the rep told me I am definitely qualified. Today I am chatting with a XXXX rep since I received my statement, and the credit is not showing up on statement. Now this rep told me this credit requires vendor approval, and will take up to 90 days to post, the vendor approval and takes 90 days to post were never disclosed in the initial offer. I feel being cheated by Amex.
I have been paying off this loan for ~ 12 years and I owe almost what I did when I took out the loan. The original amount was XXXX {$42000.00} and I still owe XXXX {$42000.00}, despite consistently paying every month for about 12 years.
XX/XX/2018 XXXX XXXX Sale {$1600.00} I was purchased XXXX $ of goods through a distributor. It turns out that the goods were counterfeit and basically I was scammed. I have contacted my bank multiple times through the phone, through fax, I sent a letter with a tracking number. I was told that they can not dispute the charge because it has been past 90 days. The reason why it went over 90 days, to begin with, is that of the banks ' negligence and rebilling me for the transaction. The representative filed a dispute with the wrong reason code. I am trying to get this error corrected but the bank refuses to work with me. They also closed my account over this issue because once I was rebilled I went over my credit limit and therefore they called me a liability for something that was never my fault to begin with. My credit score took a major hit because of it.
My wife and I refinanced our home mortgage with  JP Morgan Chase  in  XXXX  and it was to be an interest only loan. We have received a letter from the bank  (   XXXX   XXXX  ) advising us that our loan is being amortized over 20 years and our interest rate is being increased. This action will nearly double our mortgage payment. As I am  XXXX   years old  and my wife is  XXXX   years old  and we our on Social Security, as our only stable income, this action will cause us to have to sell our home. I have tried to contact the bank but I get transferred around to different people having to tell the same story over and over again only to ultimately be put on hold and then have them just disconnect my call. So, I get to start all over again. I received a letter from Chase Bank, the first week of  XXXX . The letter had a  XXXX   XXXX ,  XXXX  date on it. It told me That a  XXXX   XXXX   XXXX  was my " new dedicated Relationship Manager. '' It said, " Call me any time you have questions or concerns. '' It listed 3 numbers. A general number, TTY number and a direct number. I, of course, called the direct number and rang into the same old call center that I been calling before. I was put on hold to finally get a lady who explained to me that there was NO  XXXX   XXXX  working for Chase Bank. She also explained that a lot of changes have been made. I told her the letter was dated  XXXX . She said " Well SIR, this IS  XXXX   XXXX . '' I asked to talk to her supervisor. I was put on hold for an additiona l 5  minutes to be disconnected. In addition, I pulled out my paper work from the refinancing in  XXXX  and could find no where in the loan documents a "  XXXX   XXXX  '' that disclosed the interest rate, total amount of interest, and total amount of payments if the loan termed out over 20 years. In a previous conversation in  XXXX   XXXX , I had asked  Chase  to send me copies of my paper work showing me where it said my loan termed out over 20 years in  XXXX  and a copy of my  Federal Disclosure Box  signed and or initialed by me and my wife as their letter stated. I received some paper work sometime in the next couple of weeks from Chase. They sent me some of my documents and some documents belonging to some people that had nothing to do with MY loan. They never sent me any copy of the  Federal Disclosure Box  that I had requested. We were never told by the loan officer, in  XXXX , that our loan would term out in 20 years starting in  XXXX  of  XXXX . There is a paragraph hidden in the middle of the  30  plus page document, that we signed and initialed, that speaks to the 20 year amortization but no  Federal Disclosure Box.  So, they lied to us at the time of signing and hoped we would not catch their lie ( which we did not ) as we worked our way through the signing and initialing process, for our house, at closing. We need help before we fall behind on our mortgage payments.
I recently contacted XXXX XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX  XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXXand have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
TD Bank XXXX has done some illegal ReAging of my account that was opened XX/XX/XXXX and closed XX/XX/XXXX and charged off. I've disputed this multiple times through XXXX  and XXXX to take a look at this reporting because how can an account be closed XX/XX/XXXX but my first delinquent date was XX/XX/XXXX and no reporting prior to this date. It's strange XXXX  got this item deleted but not XXXX  and XXXX who keeps giving me a hard time on this disputed item. TD Bank updated my report saying I recently made a {$28.00} payment and that wasn't true either. This has caused a lot of frustration and stress with trying to rebuild your credit and negative reporting is happening causing consumers to miss out on jobs, higher interest rates, and discouragement when trying to only rebuild their credit. Im sure I'm not the only consumer going thru this illegal re-aging with XXXX  and little help from XXXX and XXXX.
Got a call from XXXX saying there was a PayDay loan taken in my name back in 2012 which was not paid and I owe {$520.00} and if I do not pay it will go to court. I never took out a pay day loan in my life. Someone used my ID to get it.
I took out a 30 yr loan with XXXX in XXXX. Thereafter, in XX/XX/XXXX, the loan changed hands to Litton and then to Ocwen in XX/XX/XXXX. Ocwen says that the loan is a 15 yr loan and that it is due and payable. Upon my request, they sent XXXX document that conflicts with all of the attached records. I have no explanation for this document. However, they have no explanation for the attached documents. My records clearly show that the loan was for 360 months or 30 yrs. It should have approximately 10 more years left. I have attached copies of the original loan documents from XXXX. Interestingly enough, I have noted that all of the figures do not match. However, the one thing that is in common with all documents is that the loan was for 360 months. At various spots on Ocwen 's website, it shows that the loan is a 30 yr loan. I have made copies of each of those pages, they are available if you need them. It seems that I have been blocked off their website as I can no longer get information off their website. I have sent numerous letters to Ocwen to try and straighten this out with no results. Ocwen does not accept the monthly mortgage payments, even though I continue to make them. They just send the payments back saying credit refused. I have all on time payment records for several years back, they are available if you need them. To make matters worse, they are reporting to the credit bureaus that payments are not being made at all. It seems that they are killing my credit to force me to pay the balance in full. The balance is approximately {$38000.00}. I can not afford to pay the loan off, if I could I would. Ocwen has not made any attempt to foreclose on this property even though this has been going on since XX/XX/XXXX. Even stranger is if the loan did mature in XX/XX/XXXX, why are the showing monthly payments not being made after XX/XX/XXXX up to XX/XX/XXXX? If they were right, I am sure that they would have tried to foreclose. The whole thing is at a standstill, I pay and they send the payments back.
i was re evaluated for a loan modification ... 

i was told i still didn't qualify due to my income was low debt high i advise my spouse give me child support and he will help with the mortgage payments i was still told my income was not enough. 

apparently because i do knothole a court order for the cild support and housing support they would not take it into consideration yet i am not legally divorce and my husband is equally responsible for our house hold expenses yet they are refusing to acknowledge his income of XXXX a month. 

i feel they are being unfair on this matter i appealed the denial and was further told this so its okay to not accept income due to it not being court ordered yet they will accept him not residing with us and its not a court order? 
makes no sense and it seems unfair we can afford our loan yet the bank is refusing to approve us stating we can not they requested my husband pay stubs and XXXX which we sent over yet only to be told he doesn't live with us my husband support me and our XXXX kids yet we can't get a loan mod with his income included only my income is looked at thesis crazy ... he's on the deed of the house so he's equally entitled to it. 

my husband is more than happy to move in back with us if this will eliminate thinly notion.
I have inquiries from companies I did not authorize. I went to one location ( XXXX XXXX ) and the business decided to run my credit multiple times on XXXX XXXX, 2017. I had a horrible experience to begin with that they have not rectified either. The main purpose of this is that they had put numerous inquiries on my report that were not authorized. I did not authorize them to shop multiple companies, only XXXX XXXX for financing. They have hurt my credit score and have no remorse for what they have done. I have spoken to their executive assistant, XXXX XXXX. On social media and XXXX reviews, they portray a concerned business wanting to make everything right by the customer, but when it came time to XXXX did not do anything. She has not called me back since my 2nd-3rd call. Until this day I have no received a phone call back from XXXX with an explanation.
I had a student loan with XXXX XXXX XXXX XXXX services back in XX/XX/XXXX-XX/XX/XXXX year. The company started to garnish my wages because my loan became delinquent and we came to an agreement that if I made six on time payments that they would stop the garnishment and I would rehabilitate my loan to current status. I decided to go that route and made the necessary payments to bring my account current. I then decided to consolidate all my student loans with XXXX XXXX because I did n't want this problem happening again. Once XXXX XXXX had told me they had disbursed the money to XXXX XXXX XXXX XXXX I called to see if they had received it and they told me that they did receive it and that the account would report as paid on my credit report like all my other student loans. Unfortunately they made an error on my credit report that I just recently noticed that has cost me from refinancing my car. On my XXXX credit report they have my account showing as a charge off instead of paid which my other two credit reports show. As stated before I was denied refinancing of my car because my credit union used XXXX as the credit reporting agency that they used for that feature. l-
This is a second complaint agains Wells Fargo. I am not getting the documents as promissed. I spoke to a representative yesterday and told me they sent the wrong cover sheet to XXXX, where the correct doments need to be recorded. Please help since this keeps delaying my equity loan. 

Thank you so much in advance for your help. 
regards, XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sirs, I had signed up too clearscore and I want to update my information on Equifax and when I had telephoned the company they took my visa debit card number and said they can update my credit report for 5. Which I did, they told me too update my credit report I need too log in too my email address XXXX. 

They said they had sent a link and they where very aggressive too me that I did not received another email with the link too log back into my Equifax report. 

I could not ring back the 3rd time as I did not receive the email at XXXX too update my Equifax report what can I do? 

Yours sincerely XXXX XXXX XXXX XXXX
XXXX XXXX pilot who travels a lot and has been loyal XXXX  XXXX XXXX Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to XXXX XXXX XXXX XXXX XXXX offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / XXXX XXXX XXXX XXXX XXXX / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX XXXX  limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
XXXX XXXX XXXX XXXX
Paid off {$2500.00} balance in full by due date. Next statement had interest charge of {$48.00}. I called to ask for it waived and they refused. I have NEVER had an interest fees waived on this account in the 3 years I had it. I was never late and they are retaliating against me for paying off the balance. Today, XX/XX/18 I called and closed the account and refused to make interest payment of {$48.00}. They threatened me with collections if not paid. I know you can not charge interest on interest or report late payment for interest only balance. I will not pay the remaining balance.
Ditech mortgage continues to misapply my principal payments. After my initial complaint at a XX/XX/2016 they properly applied one maybe two payments. Unfortunately, Every principal only payment has been misapplied in the last few months. I have made numerous complaints and have received no relief. I called in several times to complain about the missaplied XX/XX/XXXX payment and have yet to see it properly applied.
Trans Union and XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
My credit was pulled and sent to a lot of different lenders by XXXX XXXX XXXX ( XXXX ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX GA XXXX to pull my credit and shotgun my credit to a lot of lenders. I checked my credit before I went car shopping and I was at XXXX in one of the bearous. When I did make my decision in purchasing a vehicle, I went to a different dealership ( XXXX XXXX ) to purchase my vehicle and when I gave them permission to look at my credit they had told me that my score was not XXXX and had dropped to XXXX and that they could see a lot of inquiries in the last two days from XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and I asked to speak to the manager and they told me he was n't available. I worked so hard to be able to get it up in the XXXX 's before purchasing a vehicle and at that point when XXXX XXXX had told me that my score had dropped from XXXX sending my credit to different lenders. I had no choice but to take the interest rate XXXX XXXX was offering me because of my credit score dropping so many points after XXXX had used my credit without my consent and sent it to diferent lenders. XXXX XXXX XXXX 2016 are the dates that XXXX XXXX XXXX used my credit to send it to multiple lenders without my consent. My name is XXXX XXXX and my cellphone is XXXX
Loan servicing has been transferred multiple times and the original servicer never complied with the Court Ordered Stipulation on a confirmed Chapter XXXX Plan. The servicers are all in contempt of court and need to correct the servicing on this account. I have written multiple times to try and get this corrected going back to 2012 and no one is correcting the account and they are charging me fees for eroneous inspections that had the servicer corrected the account, none of these fees would have been assessed.