WillisBack/dataset-financial-user-claim huggingface dataset:
US Bank holds the promissory note and collects mortgage payment on house that was awarded to my wife in a divorce in XXXX. My name has been removed from the deed of trust but remains on the promissory note. A quick deed and divorce decree showing legal ownership. In XXXX my exwife did a modification loan and refinanced without my consent. I dont know how I can be responsible for the new terms if legally I have nothing to do with the house. I been advised and received paperwork from US Bank to apply for a loan to buy the house to have my name removed from the promissory note. I have received paper work to resume an existing loan for a house which I all ready have a promissory note.
Transunion inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Transunion just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them.
I have a construction loan with US Bank and I made my XXXX mortgage payment over the phone on XXXX/XXXX/15 ; the agent who processed the payment told me at the time he went over the payment amount due that the late fee assessed on the account was waived and he was not collecting it and that the {$11.00} fee to pay over the phone was waived as well and he was not collecting. Today XXXX I received a letter from US Bank stating that my XXXX payment has not been received yet, although funds were deducted from my account on XXXX/XXXX/15. I called the construction loan department and after 1 hour on hold to speak to a rep they confirmed my XXXX payment was not in. I asked to speak to a manager and I was transferred to XXXX XXXX who said she was a team lead. She explained the funds I paid on XXXX were received but the system did not apply the amount to the actual XXXX pmt ; she explained they are having issues with their system and the funds were sitting on a " suspense account '' not applied to the XXXX pmt. She also explained the rep who processed the XXXX payment charged me the late fee in the amount of {$68.00} and {$11.00} payment processing fee even when he said he was not going to because those fees were waived. I explained my concerned regarding a 30 day late payment to be reported to the bureaus due to an issue with their system. XXXX XXXX explained that if the late payment was reported in error they were going to have it removed although I am not happy with that because i will have to call the bank, being 3 hrs on hold to get this resolved, get my XXXX credit report, dispute and wait another 4-5 months for a resolution. XXXX XXXX stated she was going to request a credit to be applied to my account to cover that late fee and payment processing fee i should not have paid and that my amount due for XXXX should be {$2100.00} - {$68.00} ( late fee ) - {$11.00} payment processing fee, which is a total of $ XXXX this will be the amount I will be paying for XXXX and I hope not getting any default letters etc from the bank. Regarding the XXXX payment I made the payment before the XXXX thru their bill pay system over the phone and the payment went thru 1.5 months after I made the payment. It appears that US Bank has major problems with their system and should spend some funds in technology. 
XXXX XXXX also explained they deducted from my escrow account {$1900.00} to pay the first half of the 2015 taxes and now I am being responsible to pay an escrow shortage. My close of escrow was XXXX XXXX 2015 and I am not responsible to pay for the taxes due for the XXXX half only a small portion of it from XXXX/XXXX/2015 to XXXX/XXXX/2015 the lender should claim that amount they paid from XXXX/XXXX/2015 to XXXX/XXXX/2015 to the Title company and do not have the consumer pay for something I am not responsible for. Per the county my property was classified as a vacation home on the affidavit of value by the lender and the title company and as a result my taxes are higher. My property is a primary home and should not be classified as a vacation home
To Whom It May Concern, It was in late XXXX of 2017 when I attempted to use one my 3 chase cards, of which I used frequently and relied on daily, that my card suddenly started getting declined. Having always relied on chase and rarely having had any such problems, as I was sure I was a good customer who paid his bills and and did as any other, this came as quite a shock but I did not think much of it. It was only when I soon called in to inquire about the declined charge that my relationship with chase was suddenly torn into pieces and thrown away. It seemed as if in a heartbeat I went from a good customer to a customer which they care nothing about and are willing to throw out and forget about. I was told over that phone call, vaguely, that for reasons they can not disclose and will not disclose my accounts had all been shutdown, all my personal credit cards, bank accounts, and safety deposit box has been immediately and permanently shutdown! This unfortunate series of events caught me in a stage of shock where I had no clue what to do. All of a sudden it seemed as if a big part of my life revolved around chase and it was now all gone for reasons I did not even know or to this day will never know. I was told that I will get a letter to inform me about this and thinking that it will hopefully clarify what happened I was wrong. All the letter mentioned that I was no longer a customer chase wanted to do business with and therefore they abruptly shutdown all my accounts. Not only that but they went so far as to shutdown my mothers accounts as well which I found completely rude, unprofessional, and uncalled for. I always believed I was a good customer with chase who paid promptly and was risk averse if anything and I would at least like to know what I did wrong so I can avoid doing so with other banks in the future although I truly do hope to rebuild my relationship with chase if my accounts do get reinstated. These events have caused my credit score to drop and less attractive to other banks as it now shows my accounts were closed by the issuer and also ruined my average age of credits along with other things.
I have been experiencing identity theft for the last year and a half. I have contacted the XXXX XXXX police department here in South Carolina and have submitted all documentation to all three credit bureau 's. Discharge on my credit as negative from XXXX Bank for over {$4000.00} is identity theft and fraud. My home was burglarized back in XXXX and they have everything for my birth certificate Social Security card credit cards checks from XXXX XXXX bank everything. They opened up bank accounts in my name credit cards to retain goods of a fraudulent nature. Changing in XXXX have been very understanding. XXXX has given me the hardest time, and look at me as if I 'm a criminal. I handed them a notearised police report as well as other documentation and they keep telling me that it 's my account after their investigation. However it is identity theft someone is pretending to be me I have freezes on all my credit reports and I 've submitted everything they needed to pull that off my credit but still they wo n't
threatened to take the cosignor on an old debt to court. Solicited information from her about how to get my work information by threatening to take her to court. I have just started a new job and after 3 days of working they 've already managed to call. I work where personal calls are not allowed and I could be reprimanded. ive read complaints against this company refusing to send information in writing and demanding to settle over the phone.
I have tried numerous times this year to attain a free yearly copy of my credit reports online. The last 4 of my SSN:XXXX. After putting in all of my personal information on all of the three major credit bureau website 's and verifying the information their websites want me to pay for these copies. I monitor my reports each year since my information was stolen as part of the OPM Breach. I make it a point to review all reports are update all fraud and identity theft statements and I remove any and all false information. I have sent inquiries to each but have gotten no response.
I have disputed the late payments on this XXXX  XXXX XXXX for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
XX/XX/2019, the money was put on my card, via tax refund advance. The same night I used the card for an amount of {$64.00} and some odd cents. The next morning on XX/XX/2019, {$750.00}, {$350.00}, {$1000.00}, and finally {$400.00} was all taken from the card. All of these transactions took place between XXXX and XXXX. I was made aware of these transactions through my email. The email says I sent these four amount s to four different people. So I called the card company at XXXX on XX/XX/2019, they locked the card. The same morning I called card protection services at XXXX XXXX, they cancelled the card, issued a new card, and had me change the security features of my account. They then put in a transaction dispute for each of the four transactions. Today, XX/XX/2019 at XXXX, I got an email from American Express Serve saying that my disputes were declined and the {$2500.00} wasn't going to be credited back to my account.
XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my XXXX  credit report and is hurting my credit score and  report. I have not spoken with this collection company nor have they attempted to contact me in any way.
I had unauthorized charges on my account. I called Citi Bank 's customer service to report the charges as fraud and to dispute them. Citi Bank issued a new card upon my request. The merchant ( XXXX ) then charged me a " non-return '' fee for not return the items that were purchased fraudulently. When I called Citi Bank about this new fraudulent unauthorized charge, I was told that the original charges do not appear on my account ; they began a new dispute and I was issued a credit. Citi Bank reversed the credit 3 months later after the merchant response. Upon calling Citi Bank again I was told that my case was never sent to the fraud department and remained as a merchant dispute. I was told I was transferred to fraud/security. They advised I send a reply letter. I received an email on XX/XX/XXXX notifying me of a letter dated XX/XX/XXXX ( it took 3 days to notify me ). Citi Bank stated the charges were valid and were closing the dispute and that if I wished to continue Id need a credit slip which I dont have because the charges are fraudulent. Upon calling, I was told that my case was never transferred to the fraud/security department.
My and my wife 's information was involved in the Equifax Security Breach. We have taken steps to place a 90 day fraud alert from the website. I 'm still concerned that our identities have been put at risk and have opened up opportunities for identity fraud. We are extremely careful with whom we do business and take exhaustive steps to keep our information private and secure. This is an inexcusable injustice as the ONLY job that Equifax has, in my opinion, is to keep our personal information secure.
Transunion is reporting multiple tradelines with inaccurate information. I was unemployed in XX/XX/2014 and my Navient and USDOE loans were deferred as I was collecting unemployment from XXXX at this time. These lates should be removed from my credit report. 


I was NEVER late XXXX XXXX or XXXX. These lates are inaccurate and should be removed. 

XXXX is being inaccurately doubly reported as 2 seperate tradelines. 

I have been locked out of the online dispute center and transunion refuses to open it for when when I called.
XXXX late fee. Paid in full on the due date as evidenced by receipt from other credit card company which paid this balance. Have since received another bill, with another late fee on top the late fee originally charged. this additional fee was now for {$26.00}. total bill now {$51.00} consisting of fees. I have spoken to citibank, to no avail. I feel these fees are incorrect and unjust and would like them removed.. My funds are limited, and hoping for your help in resolving this issue. Thank you.
I AM GOING THROW A FRAUDULENT FORECLOSURE PROCEDURES BY THE SERVICING AGENT OF MY LOAN ( DUAL TRACK IN CONSPIRACY WITH THE TRUSTEE OF THE LOAN THEY ARE HIDING THE ACTUAL INFORMATION OF THE LOAN MODIFICATION STATUS AND HARASSING ME OVER THE PHONE WITH FALSE INFORMATION, THEY FILED ON THE XXXX CLERK A FALSE STATEMENT TO FORECLOSE MY HOME, DENIAL OF THE HOME AFFORDABLE PROGRAM WITH OUT LOOKING THE DOCUMENT.
Original debt was closed and processed by original creditor and then midland funding purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. Midland also hasnt tried to reach me before going to court and filling a lawsuit.
My credit report of my child support status amounts are inaccurate and very unfair to be reported on my credit reports as being unpaid or late payments. I am XXXX and have been so since XXXX XXXX, XXXX according to Social Security standards, my daughter was receiving payments from my XXXX from XXXX of XXXX until she turned XXXX in XXXX. In XXXX of XXXX I was told by a judge to have her placed on my benefits and was done as informed. However, I have noticed that on my credit report there has been a constant report of erroneous information basically identifying me as a XXXX. I believe this to be an unfair credit report and extremely hurtful to me on behalf of my credit. Today I have noticed that this error is still reporting on my credit report and I am asking for this matter to be corrected and a stop be put to this unfair credit practice as described by the equal and fair credit reporting agency. Thank You, Sincerely.
I recently tried to dispute and bogus collection account that has popped up on my Transunion credit report. The account name is XXXX which I have no knowledge of this account, no affiliation, did not give my authorization to use my personal information, and the only conclusion is this may be from and workers comp case from last year. If so I am not liable for this account or payment they need contact employer and worker comp insurance. I have tried repeatedly to dispute account online like told by phone reps but every time you try to dispute account and click continue button to send dispute online it is deactivated for adverse accounts. I have noticed that if I select a good account and click button it will continue but if you select an adverse account it will not let you continue process. I 'm sure this is one of these tactics to keeps consumers from disputing inaccurate information.
EX-HUSBAND REFUND XXXX PAY FOR CAR
PAYMENT AND  ANOTHER ON HIS TOP
NAME .. and XXXX
 SO WHAT  I DO  WITH IT  PLEASE  
LET ME KNOW  PLEASE ,  WE  ARE  XXXX 
EX-HUSBAND  HAVE XXXX JOB ,  I AM XXXX JOB
I AM VERY SICK  MYSELF AND SURGERYAS
XXXX  ANYWAY ..
I have been called by this " Northstar Location Services '' company, stating I owe money. 

They do not mention to whom or how much debt I owe. I get phone calls from them almost every single day, for a few weeks now. 

hey always leave a voicemail, but tell me just that I owe money and identify only that they are " Northstar Location Services '' They call repeatedly and do so during my work day, disrupting my XXXX and causing workday issues. I feel like this is harassment at this point because they just keep calling, even though I send it to voicemail and/or do not answer since it is workday hours. 

I have been phone as early at XXXX by them.
In XX/XX/XXXX I disputed a item that was incorrect on my credit report. The incorrect item which is AFNI. The credit report agency reported that the item was verified. I sent a certified letter to AFNI requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM AFNI. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX. to the address reported on my credit report which is XXXX XXXX XXXX XXXX , Il XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/XXXX and they have not responded to me.
I received XXXX consecutive 30-Day Lates with Nation Star Mortgage when I paid my mortgage on-time. Nationstar did not notify me that they placed an Escrow account on my mortgage which increased my mortgage about another {$250.00} in which I was unaware. As I paid my normal mortgage amount on time each month, Nationstar took my payments, put them in a holding account, deemed me as unpaid and issued me XXXX 30 day lates and they refuse to remove them. Attached is my proof of payment of both mortgage and property taxes. I need help getting them to deal fairly with me.
PayPal is charging me for a fraudulent transaction and has a negative amount of {$1300.00} on my account. I have tried to resolve this many times but they are blocking my emails and demanding me to pay this fraudulent transaction. I did not authorize or give consent for this money to be taken out of my account
First of all, I graduate in XXXX but the loan default was not reported until XXXX.The loan was for $ XXXX.XXXX XXXX  garnished my wages for over {$8000.00} from XXXX to XXXX and then sent the loan to US Department of Education for collection.I have tried all I could dealing with this case with no end in sight .I still have all my documents for the wage garnishment. 
I tried to contact XXXX XXXX but I was told they can not talk to me on the subject. 
I am wondering why it took XXXX XXXX twenty years come up with a default Student loan.While my wages was been garnished, I sent for my credit report from the three major Credit Agencies and there was Student loan on any of the reports.
I have 2 open paid perfect GM Financial auto leases. Gm Financial has not reported my payment history on the accounts since XX/XX/2017. They inform me they stopped because they went to a new record keeping system and because of technical problems they quit reporting to the credit bureaus. My score went from XXXX to XXXX as a result. I'm in the process of trying to secure a mortgage. Obviously my interest rate is being negatively affected. XXXX says their system records the lack of repOrting as a serious delinquency. Gm Financial was absolutely no help and XXXX  wasn't much help either. I don't understand how GM Financial can do this. I have talked to several other people who are experiencing the same treatment as I am. Any help wI 'll be deeply appreciated.
I called Equifax to have multiple two year old hard inquiries removed from my credit. 

Equifax had the wrong DOB listed for me. I was advised to send in a copy of my Birth Certificate and DL to have that corrected. 

Secondly, Equifax advised me- any creditor has the right to run a hard inquiry on credit at any time if I do not freeze my creditor. Therefore, in XX/XX/2016 I had numerous hard inquiries on my crdit that I did NOT authorize. There are authorized inquiries in XXXX and XXXX of 2016- that should be removed. Equifax failed to remove them and after our conversation, she told me there is nothing she can do.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  XXXX : XXXX XXXX : XXXX, Trensunion : XXXX   2.XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX  Trensunion : XXXX   3.XXXX XXXX XXXX  : XXXX XXXX : XXXX, Trensunion : XXXX   4. XXXX XXXX XXXX XXXX  Trensunion : XXXX 5. XXXX XXXX XXXX : XXXX, XXXX  : XXXX Trensunion : XXXX
I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, XXXX and Transunion
BANK OF WELLSFARGO HAS REOPENED MORGAGE LOANS AND EQUITY OF FORCLOSED OR FAKE FORCLOSURE OF PROPERTY AND MORGAGES LOANS THAT WERE DISCHARGED FORM XXXX. THEY HAVE SEPERATED MY MARITAL RIGHTS AND MY HUSBANDS RIGHTS AND ACTED AS THE CO BORROWER FOR THESE LOANS. THEY HAVE USED MY NAME XXXX MY HUSBAND IN SINGULAR FORM. THESE ARE WHAT IT APPEARS TO BE NOTES MATURING. I AQUIRED THIS FROM THE XXXX BRANCH IN XXXX FROM THEM ON XXXX/XXXX/2015 AND THESE ARE ALL SHOWING ACTIVE AND OPEN. WELLSFARGO HAS NO RIGHT TO MY NAME TO OPEN ANY LOANS, EQUITY ECT. NOR I HAVE RIGHTS OF POWER OF ATTORNEY TO DO SO. WELLSFARGO TRIED TO CHARGE ME WITH TRESSPASSING AND MY HUSBAND XXXX DAYS AGO BUT BECAUSE OUR COUNTY SEEMS TO BE IN QUESTIO OF WHO OWNS MY HOME WE WERE TOLD WE ARE WAITING ON XXXX DISTRICT AQTTORNEY TO LOOK AT ALL THIS. ALL OF OUR BELONGINGS ARE IN OUR HOME AND WE HAVE NOTHING BUT THE AIRMATRESS IN MY PARENTS HOME. VIOLATION CONSUMER FINANCE PROTECTION ACT MEETS THE GUIDLINES HERE. AS PER THE NUMEREOUS LIES IN WRITING TO ME AND CONSUMER PROTECT THIS PROVES THE OBVIOUS.
I have an equity line of credit or a second lien on my home through SunTrust. After 10 years of paying the loan and never missing a payment, the repayment period has ballooned the monthly payment to the extent of creating severe hardship for me. I asked Suntrust to rework/refinance the loan so I can get an extended period to pay this back. They denied the application which has put me in financial hardship. I feel that Suntrust is not being equitable or practical in considering my loan application. The first mortgage payment is {$1600.00} to XXXX XXXX while Suntrust is telling me I have to pay them {$1600.00}. This is unreasonable and not feasible for me.
I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.