WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX XXXXXXXX XXXX XXXX XXXX for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.
The XXXX XXXX XXXX  does not give me my refund and they did not resolve my issue as of today .they sold lies to me, They charged me based of misleading information given by their agent.
Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX
I started this loan XX/XX/XXXX with a payment of {$180.00} a month for 10 years for my daughter. It started out with XXXX XXXX XX/XX/XXXX i was laid off from my job and i was struggling to make the payments and i fell behind on the payments i contacted XXXX XXXX for help and they said the only thing i could do was put the loan in forbearance i did that for 2 years then Navient took over serviceing my loan and they capatlized on it and charged a lot of interest, consolidated the loan and changed it to a 25 year loan without even telling me.I was not able to pay the {$250.00} payment i asked for there help with a payment plan i could afford and was told the only thing they could do was set my payment at {$180.00} a month for 2 years that was XX/XX/XXXX - XX/XX/XXXX i made those payments but nothing came off the principle it was all applied to interest since XX/XX/XXXX i have been paying {$250.00} a month and have not missed or been late on a payment but my principle is not going down only going up the original loan was {$22000.00} and now it is {$25000.00}.
Originally contacted XXXXXXXX XXXX XXXX because they sent an account to Source Receivables stating that I owe {$440.00}. After speaking with XXXX XXXX  XXXX they stated the balance is only {$91.00} and since it is in collections I have to pay the remaining balance with the collection agency ( Source Receivables ). I  called Source Receivables and spoke with a manager by the name of XXXX whom asked me to email her bank statements and documentation from XXXX XXXX XXXX showing the payments that were made. The payments were made before the received the account. I also paid the {$91.00} ( confirmation # XXXX ). I emailed those documents and XXXX called me back stating that the account is indeed {$0.00} and she will send me documentation in a few minutes stating that the account balance is {$0.00}. I never received that email stating the account is paid in full w/ a balance of {$0.00} so I called twice on XX/XX/XXXX. The first time I called they stated that the account is {$0.00} and I should receive the email before XXXX. I have not received the email again so I called back the second time and they are stating that the account need to be {$0.00} in order to receive the email. I requested to speak to XXXX and they stated she is not available so I requested to speak to another manager. The rep. advised me that the the owner XXXX stated that " he will not take the call because the balance is owed '' and the rep then proceeded to disconnect the call. After calling back I was told " They are unaware of who the manager XXXX is and there is no one available to speak to me ''.
onemain is on my credit report as a hardpull i have never applied with them so when i called the place to check on this the man that answered said that XXXX was the one that caused this and he just had another person with the same issue ... i said no matter what your name is on my credit report and i wanted it pulled off ... it got nowhere i called XXXX and they do n't even have me on there records ... funny thing the onemain had my file and i did n't even apply with them because he brought up a account of mine and asked what that was about ... i just want the hard pull off my report as i already have a id fraud issue going on and have to do all the foot work myself..after 53 years of raising my kids with just a bank account and debit card i apply for credit and see a whole bunch of id fraud..and people wonder why i never wanted credit ... lol here is the info, ONEMAIN FINANCIAL XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
On XXXX XXXX 2017 someone used my name to get a payday loan. I checked my credit report and I did not open that account that day.
My loan was Previously with XXXX it was sold to Ocwen LLC SINCE this time it has been a nightmare to say the least. Very unprofessional company to deal with. I have been hit with so many different type of fees with out explanation as to what they are really for. I contact customer service for assistance with a modification year after year and I still get the same answer we can not assit you, however they still continure to tack on unnecessary fees making it difficult to maintain the mortgage. I feel like this is preditory lending at its best. And Customer Service is the worst. I have asked for a call back from my relationship manager and to this day the only call I recieved was a call from a person that had no clue as to what my concerns were or what I needed assistance with. 

Never do business with this company they are the complete worst!
I am a victim of the 2017 Equifax cyberattack that was announced in early XXXX 2017.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
American Express - I always keep a well paid balance 's in on my personal and business credit reports.
I had one personal and another business credit card. XXXX 2015, I closed both, and paid off the personal account approx 4,000 Dollars, and requested they provide proof of the business account was mine, approx 3,000 Dollars owed. They resisted to provide it to me, and for month 's diverted the calls to another department, in XXXX and collections agency. I communicated with the debt collection agency about my concerns, and American Express eventually provided Bank Statements in XXXX of 2015- I called AMEX Headquarters in XXXX, and XXXX XXXX to discuss and they still resisted to show me the business account belonged to me, and that I was in fact responsible for the balance. When the balance showed up on my personal credit report, I acted straight away and paid if off in Full. I 've used various methods Lawyers, Reporting agencies to try and resolve this matter on my reports. I need to take legal action.
I have recently checked on my credit report through XXXX  and shows a negative remark on my file in regards to a medical bill that I did not know I had. It shows that it went onto collections for just an amount of {$53.00}. I always pay my bills on time, but never got a notice for this specific bill. 

In the report its labeled ( XXXX-XXXX XXXX XXXX   XXXX  )
XX/XX/XXXX i received a XXXX transfer into my chase bank account for {$200.00}. Checked online banking and it showed it was available for use immediately. So I submitted a transfer request from my checking account ending XXXX to my other checking account ending XXXX in the amount of {$180.00}. 

XX/XX/XXXX chase alerts me that I received an overdraft fee for moving money from my accounts. I called chase and was transferred to XXXX levels of associates. They explained that zelle or quick pay has a cutoff hour XXXX hr earlier than every other transaction. Creating an hour where a client can technically overdraw their self. Chase is using this technicality to charge overdraft fees from clients that are n't aware of this XXXX hour of time
Hello! I have a XXXX XXXX XXXX that is in default status. It is being serviced with the XXXX XXXX CTI ( Collection Technology Inc. ). Back in XXXX of XXXX I spoke with a representative at the company about rehabilitating my loan to get out of default status. She took all of my information, did a financial statment, and made me agree to have my monthly payments be automatically withdrawn from my bank account. I did question her at the time about why the payment had to be automatically withdrawn, and she explained that it is required for the rehabilitation. 

After XXXX took all of my information, she said my monthly payment would be $ XXXX/month during the rehabilitation process. CTI immediately withdrew the first payment that same day in XXXX XXXX. XXXX said all I had to do was fax/e-mail back a document allowing them to withdraw the payment from my bank account and that I was all set. 

A few days later, XXXX asked me to send her a few more documents. Proof of income and proof of payments on my other student loans. I did send both requested documents. 

Now, fast forward to XXXX XXXX. I have received a call from a representative again, XXXX XXXX. XXXX said my rehabilitation was to be completed in XXXX of XXXX, I just needed to sign the rehab agreement letter before it being completed. After a couple more weeks of back and fourth calls, I finally receive a copy of this letter. 

The rehab agreement letter was dated from back in XXXX, and it stated that I agreed to pay $ XXXX/month for 9 months to rehab my loan. I contacted Cti immediately and told them that I had never agreed to pay $ XXXX/month, I agreed to pay $ XXXX/month, which I had been - automatically withdrawn each month from my account. They claimed it stated {$250.00} because I never sent the required documents and if I was not paying $ XXXX/month my rehab would be invalid and would not be completed. 

I have been in touch with multiple reps to resolve this. I 've sent multiple documents. And the reps continue to brush it off, claiming their system is down and they PROMISE to call me back before the end of the day. Most recently, XXXX XXXX at CTI. I called her 4 times yesterday and everytime it was an excuse - her manager was in a meeting, the system was down, manager still in a meeting ... she promised to call back and never did. 

Now I am very upset. I never wanted my loans to go into default. I did n't know what I was getting myself into when I even signed for the loans. My parents did n't educate me on this. My school did not educate me. Prior to getting hired at my current job, I was unemployed for almost a year. I 've been working my tail off to get my life and finances together. That includes getting my student loans into good standing. 

Cti has been no help. I do not want this blemish on my credit report. This collection agency has turned this whole situation into a nightmare and has done nothing to assist me in getting it resolved. 

I do have documents, dates, names, and specific details if needed. 

PLEASE HELP!! 

-XXXX
Had a credit check and found out there are XXXX accounts that should not be on there.XXXX are from XXXX, 1 they have no record of, 2 is for a address i have never lived at and the 3rd is from a doctors office that should have sent it to my insurance company but didnt.What is the fastest way i can get these taken off, XXXX said it will take XXXX45 days, even after comcast got ahold of them.Does it really take that long?
Hello, I opened this account with XXXX XXXX in XX/XX/XXXX I fell in financial hardship and wasn't able to pay. They sold this to XXXX XXXX and they started reporting to my credit on XX/XX/XXXX. I tried to get them to validate they didn't even respond to me. So I know something is not right. I also looked up if they were able to collect in my state and they were not so they must stop reporting.
I had purchased a home back in XXXX XXXX and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. XXXX XXXX XXXX XXXXid agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to XXXXXXXX XXXX. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.
Your multiple choice selections did not give me a choice that matched my problem, but here is the outline : A company called  SLS ( Specialized Loan Services )  now holds a HELOC I took out in  XXXX . The loan matured in  XXXX   XXXX . I contacted them before this time to see if I could roll the loan over. I was told that that would not be possible because ( blah blah blah bankspeak ). At that time my  XXXX   XXXX  was over  XXXX . We entered into " loan modification. '' The loan became past due. I offered to continue paying on the loan while they did their work, but was told that I could not do so. I sent them all the typical documents for verifying income and obligations.  Time  went on. On more than one occasion, while speaking to an SLS representative, I asked if my being in default would show up on my  credit score an d was assured that IT WOULD NOT. THIS WAS A FALSE STATEMENT, and is the problem I would like to report. In fact, the company did show me as being in default on the loan. My  credit score i s now  XXXX  on  XXXX , which rendered me unable to refinance my first mortgage -- an alternative to modifying the HELOC which is now closed to me.   I had the ability to pay off the HELOC, and had I known what would happen, I would have, but I was given false assurances and so chose to pursue " loan modification. '' Further complaints : I was offered a " trial payment schedule '' -- -twice. The first time, whoever prepared the offer overstated my income by a factor of  XXXX . The second time, they got my income right, but their payment amount would have left me with less than {$200.00} a month free cash. This was bad enough, but the documents they sent with these " modifications '' included NEITHER THE DURATION OF THE LOAN NOR THE INTEREST RATE. When I called about this ( ahem ) oversight, I was told that I COULD NOT KNOW THIS INFORMATION UNTIL I ACCEPTED THE MODIFICATION. Surely that is illegal.   I believe that they lied to me and strung me along deliberately in order to ruin my  credit score a nd, when all other avenues for refinancing were closed to me, foreclose on my house. I think this because I have found other people with similar stories. SLS is a predatory organization and must be prosecuted and then shut down.
I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.
I was a victim of Identity Theft. Over the last several months, I have been working with the credit bureaus ( Equifax, XXXX, XXXX ) in order to have the credit bureau reports corrected. I have provided them with Police Reports, IRS Affidavits, and Personal Statements regarding this issue. Both XXXX & XXXX PROMPTLY corrected my information, and have both provided me with updated credit reports. However, Equifax continues to report this false information/accounts on my Equifax Credit Report. My intial dispute with them began on or around XX/XX/XXXX. It is now XX/XX/XXXX. In order to bypass the " 30 day '' investigation timeline, they just keeping closing and re-opening " new investigations ''. I have spoken with them numerous times via telephone, and have had to re-fax the above information ( Polive Reports, IRS Affidavits, Statements ) to them 3 times during the last 2 months as they continue telling me that they have not received it. ( I have 3 fax confirmations confirming that they did receive them ... ). Now, today, I am told by their telephone representative that they will CONTINUE to report the fraudulent account as the " creditor '' has advised them that th account is mine ...??? Obviously, it is n't. BOTH, XXXX and XXXX have provided me with letters advising me that they have DELETED this information from my Credit Report, as they have determined that it was NOT my account. Both XXXX and XXXX have also BOTH provided me with updated Credit Reports as well. Equifax refuses to do so, even after nearly 2 months of when this began. Getting through to Equifax is nearly impossible, as all calls are answered in the XXXX, by individuals who speak broken English, and are hardly understandable. When asked to be transferred to an American agent, your call is placed in a que in which hold times have exceeded 2 hours to get through ... Please help resolve!!!
Carrington bought my mortgage from XXXX  in the middle of XXXX taking my trial payments to modify my loan. Carrington claimed they didnt receive any paperwork they needed and had a nasty bill collector call and harass that the house was being taken and when would we be out of the house. My daughter called the bank and made a balloon payment to bring it up to date and we are late again. Same man started calling and even called me at XXXX. I am having my daughter cal Carrington directly but I no longer want their debt collectors calling me, only carrington directly. They also had someone come out to do residency verification, the previous people employed by XXXX   were more professional, the gentleman in question stepped onto my property without permission, engaged in a verbal dispute with my son-in-law stating that the bank owns the property and he did not have to talk to us.
On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted XXXX as advised by Credit Karma, but XXXX could not provide information regarding the account as they are claiming it was not reported by them. I contacted XXXX and their response was to obtain a statement from XXXX, stating that I did not initiate the request. I received paperwork to submit to XXXX to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact Credit Karma since its supposedly a known issue that had reached resolve, so I did, and Credit Karma suggested I contact XXXX. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.
I have medical debt that was incurred due to a car accident in XX/XX/2007. The medical providers agreed at the time to a lien, to wait until settlement with the insurance company of the person that hit me. They chose not to bill the health insurance I had at the time and the health insurance company would have rejected the claim anyhow since the treatments were accident-related. In XX/XX/XXXX, my case went to a jury trial. I partially lost the case and the medical bills now in collection as of XX/XX/XXXX were deemed to be unrelated to the accident. The medical providers broke the lien/contract by sending this to collections. They had an opportunity to bill my health insurance and did not. My attorney agrees that I should not be liable for the bills. I will pursue legal action, if necessary, but hope that you can intervene before I have to go that route.
I am applying for a modification with Caliber Home Loans. I have submitted all required documents. But they have not postponed the foreclosure sale scheduled for XXXX XXXX. I am really worried they will foreclose and I will lose my home before there is a chance to review my application. 

I have worked real hard to get everything in, even though there have been delays caused by Caliber. Every time I send something it takes them up to 5 days to even confirm if they received the documents. Sometimes they reject documents without any good reason. For example I sent a XXXX page fax on XXXX XXXX. I am attaching the fax confirmation page. I paid to send it from the XXXX store. The worker sending the fax noticed that one of the pages did not go through right. So she put that page at the end of the fax to make sure it got through clearly. Caliber said they did receive the fax, but because that page was on the end of the package instead of in the middle, they rejected the whole thing. Since it had taken a few days for Caliber to process and inform me they were rejecting the package, this caused a delay. I then had to re-send the whole package. Another time before that I sent an XXXX form and XXXX along with bank statements, XXXX forms, and other documents. Caliber rejected the whole thing because I had not faxed a page that was attached to the original form that had a " notice to borrowers '' but did not ask for any information from me. So I had to re-send all of that, again after several days of delay while I waited for Caliber to process the documents and then let me know they could not find those pages. 

This is even more frustrating because earlier this year Caliber illegally foreclosed on my home. I made a complaint with CFPB ( complaint XXXX ) about how they broke FHA loss mitigation rules, failed to respond to the modification application I submitted through a HUD certified counseling agency, etc.
In my conversation with XXXX on XXXX XXXX, 2017 and requested a payoff amount valid for up to thirty ( 30 ) days and I still have not received it, therefore, I am formally requesting a payoff quote be fax to my attention at ( XXXX ) XXXX. In addition, please send to me via the same methodology via facsimile to ( XXXX ) XXXX the complete payment history of all payments made on this loan from its inception ( beginning ) until the date you signed for this Certified Letter.
This lender continues to call my work phone number after numerous requests to remove said number. I have explained that I am unable to receive personal calls while at work, yet they continue. The last person I spoke to assured me that the number had been removed from their system. I have had difficulty paying this bill and if I lose my job because they continue to call, I will never be able to pay them. They have also been rude and intrusive when asking about the past due payments.