WillisBack/dataset-financial-user-claim huggingface dataset:
Mortgage provider Pacific Union financial is making it difficult to afford keeping our home, I have been working on getting modification for a year now reps are misleading me information and giving false hopes on home retention, several calls made to seek help and Im being told to pretty much let house go. My concern is people with XXXX, they are aware of. which I believe I fall under that category from diagnosis and pacific union criteria on forms. Is this modification a way of helping people maintain their home? Because I feel Im not really being helped I hear people left and right that modify their loans and their repayment drop more than 30 % and my offer is XXXX $ less?? Seriously please explain Im having a mental break down stressing over a his nightmare with my modification I have been dealing with this for a year plus and this is my help to keep my home. I do understand that my past due will be put at the end of my loan but come on. Then I speak to reps and they tell me well your past due has been placed on the back of your loan what else do u want pretty much this is what Im being told .... I have struggled plenty and am breaking inside feeling helpless and runned around. Im sure there is some type of chapter, form or option available to actually help me reduce my monthly payment I dont care if my loan changes to 40 years but I really would like to lower my payment. What if in the scenario I have another mental crisis or mis function from my medications and loose my job or quit my job because its too much to handle my mental health is very important to me to maintain I have a family I just cant just let it take over me and give up I really really want to be here for my kids and wife its not a choice I made, I didnt tell my wife today you will get XXXX and in 6 months you will be diagnosed with XXXX have an expensive XXXX and take as much time off from work No I did not ask for this we went through XXXX using up all her pto and mine having to travel for daily/ weekly doctor appointments recovery full XXXX XXXX by doctors order and to top it off getting laid off from my good paying job. Because I wasnt able to provide full office needs because of my lack of attention to my job because I had to be with my wife every step of the way! Selfish was I no I tried to fulfill my work duties along as my home responsibilities I did not choose to loose a good paying job and to almost loosing my home ... constant fight with P.U.F. Agents has gotten me to a limit and is eating me that finally I get approved for modification given hope that my payment will drastically change and the end result only changing 30+ $ $ I feel lied too and fooled with. I honestly am asking if this modification can be re reviewed. People involved are several agents at pacific Union financial my wife XXXX XXXX my self and XXXX XXXX Loss Mitigation Manager NMLS # XXXX Pacific Union Financial , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX PacificUnionFinancial.com Who has failed to get back to after trying to get ahold of her via email and by phone
As of XX/XX/XXXX this year i will be graduating XXXX XXXX  so I decided to pull my credit. I have credit inquiries form XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.
Citibank closed my bank account with a balance and is now refusing to cash the balance. They state that they can not cash a check that was issued by citibank.
I am sending you this message in regards to the errors that your company has listed on my credit file. I have contacted the creditors but I havent received any responses back as to how the errors were placed on my credit file. At this point I am fed up and Ive reached out to the creditors, bureaus, cfpb, ftc for the final time before taking legal actions. I have asked for the verification process as to what steps are taken to ensure that any error is for the consumer as to my avail no one Creditor responded nor did any of you credit bureaus. The following errors are inquiries and I am disputing the following erroneous items. 1 ). XXXX a. XXXX b. XXXX XXXX c. XXXX XXXX XXXX 2 ). XXXX  : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3. XXXX XXXX 3. XXXX : a. XXXX XXXX b. XXXX XXXX XXXX. I am dusputing the inquiries as an internal dispute which only takes no more than 3 business days. I am not aware of the inquiries. I have contacted the necessary parties. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all inquiries you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the inquiries listed below. Your failure to positively verify these erroneous inquiries has hurt my ability to obtain credit. Under the FCRA, unverified information must be removed permanently and immediately and if you are unable to provide me a copy of verifiable proof, you must remove the erroneous listed below. 

I demand the following inquiries be verified or removed immediately. XXXX a. XXXX b. XXXX XXXX c. XXXX XXXX XXXXXXXX 2 ). XXXX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3.  XXXX XXXX 3. Experian : a. XXXX XXXX b. XXXX XXXX XXXX.
URS Collections called him left a voice mail looking for me. I called & asked to speak with a XXXX XXXX XXXX. The rep informed me that XXXX was busy but then proceeded to tell me that I owed a balance from a check I wrote in 2008. He asked me when am I going to pay it & I told him that I 'm not. The debt is old & would be falling off my credit in a couple of years. His voice & demeanor changed & he said, " Oh, so you 're just not going to pay it. That 's a moral issue. Where are you 're morals? '' At that point I lost it & told him, " You do n't know anything about me nor my morals! Do n't sit up on this phone & try to tell me about myself! '' All the while he is steadily saying some defaming things so I told him that I know about collections. I 've worked in collections before & you 're not even the creditor. Your company bought my record for pennies on the dollar. '' He said, " No we did not! ... '' I told him he was in the wrong because he did n't even say the fdcpa verbiage that he was suppose to say before he went into disclosing my file. He told me he did. If I 'd shut my mouth for a while I would 've heard it. 
Now, I do n't do this but I believe that this company should be violated for this person speaking ill to me. Please make sure that a violation is placed on this company. Thank you.
This complaint is against CitiFinancial Mortgage Company. Borrower is XXXX XXXX, Loan # XXXX. On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX called CitiFinancial to find out the status of a short sale which began XXXX XXXX, XXXX. At that time, after speaking with the lender for 1 year they were told by XXXX XXXX ID # XXXX they would not speak to XXXX because a non-owner had not signed the 3rd party authorization. However, on XXXX/XXXX/XXXX a 3rd party authorization was signed only by the main borrower, forwarded to the lender and accepted by CitiFinancial because negotiations continued from that point forward.
In XX/XX/2016 I purchased a computer via XXXX. The computer arrived broken and I returned it for a full refund. Between the time I returned the computer and the time the refund was issued I cancelled my account with Wells Fargo. I reached out to XXXX  to change the destination of my refund, but was told that the refund had already been processed with Wells Fargo. I received an Email detailing the refund on the XX/XX/XXXX, but when I reached out to Wells Fargo they repeatedly denied having received the refund. Throughout my repeated attempts to resolve the issue each company suggested that the other was at fault. I eventually lost access to my Wells Fargo account due to my cancellation of my account ( which I cancelled due to repeated undisclosed charges to my account ) so I was unable to see any further messages from Wells Fargo, who eventually marked my complaints as solved and stopped responding to my inquiries about the situation.
On XX/XX/2018 I sent money through chase QuickPay using XXXX for a XXXX XXXX.I transferred XXXX dollars to the seller using the phone number he gave me.I received the bottle a couple of days later and checked it to see if it was authentic and realized it was fake.I filed a dispute with chase on XX/XX/XXXX and after 10 days they said they tried to take back the money from the sellers account but was unsuccessful so chase said that was all they could do for me because I initiated the transaction so basically XXXX and Chase make it easier for scammers because both deny liability and both are not willing to help at all and scammers know this and take advantage.There has been many stories of people losing money using XXXX and banks do nothing to help
XXXX XXXX is still reporting a debt that was discharged in bankruptcy. Partial Account number XXXX is still reporting a balance of {$760.00}. I would like this updated to Included in Bankruptcy and balance reported {$0.00}.
Hi, I 'm submitting a complaint against Care Credit/Synchrony Bank due to being misinformed about billing payment options for my account. I talked with a chat representative whose name is XXXX XXXX on XXXX/XXXX/16 at XXXX Eastern time, Reference # XXXX. The inquiry was, if I can pay my bill with a credit card? His response was credit card payments are n't excepted but that I can ask my credit card company if they have a bill pay option ( which they do n't ) or I can use XXXX XXXX. The problem is the XXXX XXXX information he gave me is incorrect and/or is unrecognizable by XXXX. The XXXX representative ( XXXX ) whom I talked to by phone on XXXX/XXXX/16 at XXXX Eastern time, told me that there is n't a code city name and POS name that was given to me ( POS name : Synchrony Bank XXXX XXXX XXXX name : XXXX ) in their system. 
Synchrony Bank ( formerly GE Capital Retail Bank ) does n't give their customers any other options to pay their account except by the consumer 's bank account. This is an inconvenience to those who want more than one option to pay their bill, or may not have the money in their account on that date. Most businesses give you more than one option to pay your account bill. It seems like they want you to be late paying your bill so they can tack on the late fees and interest charges, which is ridiculously high, if you do n't pay on time and with only one option to pay. I 've changed my billing date before and I do n't feel like I have to keep doing that to make a timely payment, when other payment options should be available in order to make a timely payment. I would like to know why I was given the wrong information and why there is n't other options to make a payment on the account and/or payoff the account, besides using your personal banking account. I 'm already paying a late fee of {$27.00} from last month which was n't late, but was charged anyway, because the money was there in the account, in addition to the {$100.00} a month bill payment. I hope this issue can be resolved before my next due date which is XXXX/XXXX/16. I pretty sure I 'm not the only consumer whose had complaints about this company. 
Thanks.
I went to see a financi al counselor   i  n  XX/XX/XXXX  who reviewe d my credit report with me. I became aware of a fraudulent collection ( that I have since gone to court to r emove ) a n d two fraudulen t credit cards,  one from Barclay 's Bank  an d one from   XXXX   XXXX   XXXX   . According to my credit repo rt Barclay 's was   opened in   XX/XX/XXXX  and closed in  XX/XX/XXXX   with no reported payment history.  XXXX   XXXX  was open ed  XX/XX/XXXX  and closed in  XX/XX/XXXX  and it looks like no payments were made according to my credit report. I have never had   either of these cards and only became aware of them from looking at my credit reports. I have repeatedly called both banks to report the cards as fraud and they will not remove them. I also sent a dispute letter to the credit bureaus to remove these accounts and they left them on. I have filed a identity theft report with the fair trade commission that I will attach to this complaint. I have also visited my local police precint to report ID theft but the detective was not helpful. All the other accounts on my credit report have always been paid on time. I need th ese two cards remov ed since they are not mine and I would like to purchase a home soon and need my credit repaired.
I am a victim of identity theft my mom husband wanted to go back to school so he used my information to get out student loans in my name he even took out a load in my name for mortgage and getting a car in my name.my credit has been a mess I am trying to get my own home.I never took anything out in my name i just want my good name back that this person has stole from me.
PennyMac misappropriated the entirety of multiple payments as " Principal Reduction '' as opposed to " Payment '' and then proceeded to charge a series of late fees. When attention was raised PennyMac agreed to withdraw only the most recent late fee.
I have 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed from my credit report.
Florida XXXX XXXX account # XXXX I paid all of my bills on time, the car was current at the time I voluntarily returned it. Ireturned the vehicle in excellent conditionand was told that if I returned it it would not be placed in collections. I had a total remaining balance at the time of voluntary surrender of vehicle of {$2300.00}. The report says that I owe a balance of {$6200.00}, that is inaccurate and I was assured the the balance would be forgiven as long as the car vehicle was returned in good condition. The company violated the terms of our agreement for returning the car by reporting to a credit bureau. They sold the car within 3 days.
In the beginning of XXXX, my mortgage was transfered to United Security Financial Corp, aka : XXXX. Since then, when I receive a statement, the payment sent is applied wrong. I have called them several times, talking with persons who seem unconcerned with customer satisfaction. Recently ( XXXX/XXXX/15 ), I called and spoke with XXXX about the " unapplied '' funds which on the payment coupon is specifically stated as extra to principal or escrow. I was on hold for a while and finally asking what was taking so long only to be told : " I 'm trying to get someone to help me with this '' After some time, he asked me how I wanted my other " overages '' applied. ( I pay extra each month to either escrow or principal ) When I asked how much monies we were talking about, I was put on hold yet again. After XXXX minutes I hung up. This is my mortgage, my home. I feel that my mortgage servicer is not being competent in servicing my loan and would like someone to look into it 's practices. The address I have been sending my " on time '' payments to is : XXXX XXXX XXXX, IL XXXX. I would appreciate any correspondence from cfpb. Thank You.
I have an account on my credit report named, XXXX, and it has been reporting inaccurate information for the last couple years, balance and status to be more specific. Shows needs attention and that I '' m currently past due. I've disputed several times with Equifax and nothing has been addressed. Latest letter was sent on XXXX and the letter addressed the bureaus obligation to complete within 30 days and to notify me, along with other issues present.This account is hurting my credit and I want to get it removed from my report based on the reporting violations I've read. Please see image below to view these glaring inaccuracies. Thank you
Experian is reporting an account with XXXX XXXX  that has surpassed the Credit Reporting Time Limit. The last status update occurred on XX/XX/2009 and indicates a Paid, XXXX Balance ; however, this account is well beyond the 7 year Credit Reporting Time Limit.
Hello, In XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy and compliance of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 
They responded back and said it was verified as accurate. I sent another letter to them in XXXX requesting the procedure that they used to verify the accuracy and to also send me copies of names, addresses and phone numbers of each person they contacted from the court. 
They responded back with a letter saying that I requested them to initiate a dispute on my behalf with XXXX XXXX and XXXX, and that I would have to dispute each agency separately myself. THIS WAS NEVER IN MY LETTER!!! 
Also, In XXXX, I requested that LexisNexis put a security freeze on my report. That was granted on XX/XX/2018 and is still in effect today. 
Because they failed to provide me the information that I initially requested, I sent them another certified letter in XXXX requesting the same information to either be accurately verified or removed from my report. 
This time, they NEVER RESPONDED AT ALL! So, I sent them another certified letter in XXXX to inform them that by not replying in a timely manner to my initial letter dated XX/XX/2018, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Then, for whatever reason, they initiated an investigation with both XXXX  and XXXX  without my knowledge, nor my permission, and responded back saying that the public record on my report had been verified, and that the source of their verification was XXXX??? At this point, I realized that they are just playing games! 
However as one last act of good faith, I sent out two more certified letters to both LexisNexis headquarters and to the CEO of the company on XX/XX/2018 asking still, for the proper proof of verification from the court. 
They both responded with the same letters saying that I need to launch my own separate investigations with XXXX XXXX and XXXX! 
This is ridiculous! 
I'm tired of playing these games with them!!!
I bought a XXXX XXXX XXXX XXXX car from XXXX in XX/XX/2018 I was told the amount I was purchasing was for XXXX. The day I drover off the lot I notice that the vehicles sun visors an a seat belt clip where broke and turned back around I went back an brought it to the attention of the sales rep who had sold me the car and he said that he was going to try and get the sun visors replaced I was later on contacted buy a lady stating that the sun visors for a cosmetic fix and that it was my responsibility to get them fixed two weeks after that the CBC axle started going out on my car and I expressed it to them and I was told once again I would have to go to another place and have them check it out and I would have to schedule the appointment for me to do that so as I had the car more things started going on with it and I contacted them also to see if I can get my payment switched from weekly to bi-weekly and they refuse to actually switch it in told me I had to pay a whole entire month all in advance before I could even get my car payments which according to my paychecks my car was later on repossessed because I could not do the weekly payments because I got paid bi-weekly and when they repossessed my car they actually destroyed property at the XXXX XXXX to repossess the car I later on just went and picked up my belongings and now they are still trying to come after me for {$15000.00} of the car when it was priced at {$10000.00} all of the papers and everything showing of what I was supposed to pay for it I also have quite a few witnesses that can attest to my statements being accurate so I would like to find out what I could do to have it removed off of my credit being that I was sold a car that was basically defective and had things going on with it and it was not worth {$10000.00} and I was a first-time car buyer
On XX/XX/XXXX I paid the last loan balance to Oportun ( Oportun/XXXX ACH XXXX Tel ID : XXXXACH debit {$110.00} ) and I also paid ( Oportun/XXXX ach XXXX TEL ID : XXXX ACH debit {$42.00} ) for the new loan of {$500.00}, the situation is that they, Oportun are calling the people that they asked me as a references to tell them that I owe money to Oportun and that they had not being able to contact me. That's not true because Oportun has my two phone numbers and even they can call me or text me to me, but Oportun never called me or sent me a text message telling me that I'm late with payments. The only call I received from them was in the month of XX/XX/XXXX, asking if I know XXXX XXXX, because he was applying for a loan with them. First of all, it is all a lie that Oportun is telling it to my references friends, that I have late payments and that they have not been able to contact me, especially I do not have any problem with making payments to them and my checking account shows that they collected the money and that's fine, now XXXX XXXX XXXX told me that it was a confusion and that they will try to fix the problem, all this happened, today XX/XX/XXXX, in an hour later I received a called from XXXX XXXX, my friend, that Oportun called him because they are trying to contact me and that they have not had any success in reached me, so I called Oportun again and let my friend listen the conversation, and he found out how bad Oportun is doing with me, again the guy from Oportun said everything was fine. Those calls that Oportun is doing to my friends is putting me in a bad situation with them and this harassment is giving me so many headaches. I would like to be able to bring a legal action against them, but I do not know what my rights are that I have. So Im demanding that Oportun, pay me for the loss or waste of my time, the damages and prejudices that Oportun had having brought against me. Please, help me with this matters, thanks
This letter is my formal complaint, and ask you to investigate the business practices of Trans Union. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

They have no Verifiable Proof ( an original Consumer Contract with my Signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. Their failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.