WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been dealing with an impending foreclosure by a bank that has not at all been willing to work with me, fudging the numbers to make it look like I can not afford my home and exaggerating the modification amount so I wo n't qualify. I have equity in the property. They are saying that the loan to value ratio is too high and if it is more than 70 %, they will not modify. This is not the case at this point in time. They 've been going forward with the foreclosure while I 've continued to submit modification documents several times. We now have an auction date of XX/XX/XXXX. 
I am a single mom, XXXX, trying to modify or at least stay in this house for another year, or at least until next fall when my daughter enters college. My attorney has informed me that his firm is usually able to work something out with the various banks, but my bank just wo n't budge, even though I earn enough money in XXXX paycheck to pay the mortgage. 
At one point, the bank sent my check back to me stating that if I could n't bring the balance current then they did n't want my check. I never missed a payment, but was about {$300.00} short every month as the crash of XXXX negatively effected my income, leaving scarce work, but it was temporary. We had an agreement but the the mortgage was sold off and my options became slim at best. 
Most recently, I received a letter saying that my home was going to be sold at auction on XX/XX/XXXX, right before the holidays. My attorney has been able to defend me and buy me some time but I need more time or a chance at a fair modification. He tells me this particular group are very shrewd and take advantage of people in my situation for profit. Please help!
This company never contacted me prior to listing my balance in my credit report. Upon contacting them, they acknowledged that they had a return address, and used an old address without verifying. 
My account with the lender shows my current address, yet they frivolously used an old address, did not verify and never notified me of my rights to dispute, nor informed me what the debt was related to, nor that it would be placed on my report. 
I never received any notice or communication from this debt collector prior to contacting them. 
Upon contact, they exhibited rude practices and said there is no legal requirement for them to let me know of my rights, or contact me in any way.
It is saying that I paid 100 % of the original amount. But it still reports negatively as a charge off. This loan was paid in full and reflects negatively. 

Overview You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 6 yrs, 10 mos ) Term months Payment History Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times XXXX/XXXX/XXXX days late XXXX Closed XXXX XXXX, XXXX
The institution put a maximum credit limit on my account based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to limit my spending ability negatively impacts my financial credit worthiness.
There are XXXX state tax liens that are reporting on my credit report. XXXX is from XXXX County Court XXXXin the amount of {$44000.00}. Another tax lien is from XXXX County Court Recorder # XXXX in the amount of {$42000.00} and recently updated to show {$42000.00}. As of XXXX/XXXX/2016 both state liens are fully Paid. 
However, TransUnion is still reporting with a balance due on both accounts. According to FCRA 609 ( a ) ( 1 ) ( a ) and FCRA 1681 ( a ) if after a reinvestigation is completed and the information remains inaccurate, the item ( s ) are to be deleted from credit file if reporting inaccurate.Currently is showing a balance for these tax liens that are identical. It appears on my credit file as XXXX separate tax liens when in fact it 's has always been XXXX state tax lien. 
I 've disputed several times and these tax liens still appears. On my credit file. It 's preventing me from proving a home for my family and getting a job promotion.
Bank of America is always pushing new products to make money off people. The latest is that to get services one has had in the past ( IE -free safe deposit box ) one has to sign up for new products. In my case it was a be a premier customer which opens new ways for B of A to get money from you. 

I did ask about getting a pre-qualifying letter as I was going to make an offer on a house. I was called by a XXXX XXXX from BOA who is a Sr. Mortgage loan officer XXXX. I was very clear I only wanted a pre-qualifying letter and not apply for a loan. He summarily dismissed that and told me to meet him in person ( he was pushing about that ) and bring 2 years of tax returns along with other data which appeared that I was applying for a loan. 
I told him I was not applying for a loan only a prequal letter to which he said '' I am busy and I do n't know you '' I need this for a pre-qual letter. I know enough to know he is playing the oldest game in the book -- -- -- -the old bate and switch. He thought he would just be overbearing, aggressive, lie and get what he wants. What he needs is to be out of a job. 

it appears the bank are at it again, same XXXX that led to 2008 and no body to oversee them.
I sent transunion the proper signed documentation acknowledging there are several inquiries on my report not authorized as well as my social and drivers license. I asked for proper documentation proving I authorized these inquiries as I had not given permission. In response, they ignored my complaint/dispute/request and sent a copy of my credit report.
This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt.
Wells Fargo Financial Ba nk will not leave me alone. I had 15 months to pay {$600.00} and I paid them off  XXXX  of this year but had until   XXXX   of this year (  XXXX   )  to pay them off. I got  XXXX  windows from   XXXX   in  XXXX , MO I payed them off way before I was suppose to..I then I got  one  more window in   XXXX   XXXX   XXXX  . I made payments each month of $  XXXX  {$60.00}. then they wanted more and more money and when I just about paid them in  XXXX  of this year they said I owed {$73.00} dollars ( I owed {$190.00}   XXXX   XXXX   of which I paid ). In  XXXX  of this year they charged me a late charge of {$27.00} which I did n't owe because they said I only made a {$49.00} payment in   XXXX   XXXX   XXXX     XXXX   XXXX   I owed {$600.00}, if you divide that by 15 months you get  XXXX  These people wo n't leave me alone. Worse company I ever dealt with. Anything for money. and they keep harassing me. ( per my bank  XXXX   XXXX   paid {$400.00} dollars,  XXXX / XXXX / XXXX  I paid {$200.00},  XXXX / XXXX / XXXX  $  XXXX  $  XXXX  {$200.00},  XXXX / XXXX / XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  {$130.00}. ) They keep sending me letters and I told them to leave me alone, not to call or write or anything. but I got another letter today.  XXXX / XXXX / XXXX  stating they are looking into it. there is nothing to look into. My payments were always due the  XXXX  of the month. They were in Texas now I get them from  XXXX   XXXX . IA.
Today, X/X/17, Equifax mishandled my information, putting myself and so many millions of other people at risk of identity theft, for the rest of our lives. I was informed by Equifax that I am affected by this data breach. They have shared all of my data, some that can never be changed, with who knows who - with everyone, essentially. My private data is now public, and there is no going back, for the rest of my life. 

Free freezing of my credit should be offered ; that they can now profit, indefinitely, from their negligence by charging me to freeze my credit, or to monitor it after a short period, is unacceptable. They failed completely in their most basic duty : protecting personal information from identity theft. They 've compiled massive amounts of data on millions of people, and failed to safeguard it, essentially handing over this data to scam artists on a silver platter.
In XX/XX/XXXX, I noticed my XXXX credit score had dropped. After running my credit report, I found a collection was placed on there for {$180.00} from XX/XX/XXXX. I had seen this XXXX in XX/XX/XXXX, but had prepaid for my procedure. I was never contacted by them about an additional amount due. I have also never been contacted by the collection agency about the collection placed on my credit report. My address has stayed the same since the collection was placed and my phone number has never changed. I do not believe this debt is mine.
I check my credit Report and I found a deb, after I called XXXX and they told me I own some money from a /XXXX in XXXX XXXX the collection company never contact me for no reason I just found out from my credit Report, at this moment I have all the documentation to show I do n't own that bill, but at this moment my credit report got hurt for something I dont own.
I applied and was approved for a XXXX line of credit. This is my second time financing with company. Agreed to biweekly payment of XXXX?? Was taken out of my account fine. They then submitted a second payment for XXXX which they claim is part of their monthly service fee of XXXX. This was not properly explained to me I did not have this on my first loan with them. They have hidden in their fine print they charge a XXXXmonthly fee in addition to their biweekly payments. This is fraud and should have been out into loan docs properlybstating what payments will be
XX/XX/XXXX, the vehicle was repossessed. XXXX, I noticed wages being garnished from my check. I, then filed a Head of Household exemption form. In XX/XX/XXXX I received notice to appear before a judge. I appeared in court the Judge granted wages to stop being garnished and return all monies that was taken. And that was final. Also, the are in breach of contract by violating the Arbitation clause. As previously requested they removed account from all credit bureau 's immediately.
The County sent out a tax bill for my condo in XXXX of 2016 ( approximately {$4000.00} ) prior to reviewing and approving my application to be taxed at the homestead rate. I received a new updated tax bill in late XXXX or early XXXX and provided it my mortgage servicer Roundpoint Mortgage Servicing. I spoke to them on the phone and they informed me that a new escrow analysis would be conducted and that I would receive a refund for the shortage I was charged after the tax bill was received. I called again in late XXXX and was informed that the escrow analysis would be completed on XXXX XXXX. I logged in online and saw no change to my escrow analysis. I called again on XXXX XXXX and they informed me that it should show up online that day. It is now XXXX XXXX and the escrow analysis has still not been completed. I called Roundpoint today and they informed me that it says in their system it should have been completed but they are going to expedite request and it should be processed in 24-72 hours but then I would need to allow another 3-5 business days for the escrow analysis to be completed. I find it funny that they were so quick to perform a new analysis when they received the incorrect and higher tax bill, but at this stage I can not get an answer as to when I will receive a refund of my overpayments and my future payments are reduced to reflect my actual property taxes and insurance. I do n't trust Roundpoint anymore to provide me with accurate information and I would like to receive my refund.
On XX/XX/XXXXmy XXXX XXXX XXXX broke down on the interstate. I had the vehicle towed to Nissan of XXXX located at XXXX XXXX XXXX., XXXX, GA. After performing a diagnostic test on the car Nissan contacted me to say a Mass Air Flow sensor caused the problem. I was also advised the tire rod on the vehicle was bent. Nissan repaired the sensor and the tire rod. They then contacted me to say my transmission is bad in the vehicle due to the wrong fluid being in it. I have never had my transmission serviced on the vehicle. The only maintenance performed outside of Nissan was an oil change. Nissan of XXXX had conflicting stories from their technicians. One tech said the fluid was yellow in color while another said it was black. This raised concerns. So after they sent whatever samples off to a lab it was determined it was not the proper fluid. Well my concern is who added the fluid to the vehicle and why was it yellow for one tech then black for another. Where did they get these samples they sent off for testing? Was it the black sample or the yellow sample? Nissan 's Security Plus Warranty Department refused to honor my warranty and will not repair my transmission. My car has never had transmission service, their techs had conflicting stories and why was the transmission issue not diagnosed initially. I believe someone added a bad fluid to the vehicle at Nissan because the issue did not come up until after they had the car diagnosis done a second time. I am still paying Nissan Finance {$500.00} a month on this vehicle until XX/XX/XXXX. The warranty I purchased costs {$2100.00}. Now that I need the warranty they will not honor it. Please assist.
Just made a payment of {$350.0 0} to Discover car d the other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
I received a targeted offer from Discover bank to receive a {$300.00} bonus however after fulfilling the terms of the offer, they would n't give me the bonus and stated that I was not part of the offer.
I sent  XXXX  certified letters on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ( letters enclosed ) to NELNET asking for an updated balance and the original instrument of indebtedness in its original form to ensure the amount reported to the credit agencies are correct. To date, I have not received the original document of indebtedness and request your assistance to remedy this situation. By law, NELNET is required to provide me with the original instrument of indebtedness in  its original form to verify the charges on my credit report are correct.
I spoke with a representative of Stellar Recovery Company, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with Stellar Recovery Company. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.
I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a charge made on my Capital One Spark Card on XX/XX/2017. I have fulfilled all the obligations of an Identity Theft Affidavit and to have this transaction erased through FCRA 605B. So I am requesting that the fraudulent charge be erased from my so I can have an accurate balance. So I explained to a representative at Capital One that all they could do was dispute the transactions. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus my assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affidavit in the first place this time. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. Cap One is refusing to block the transaction because of a " time issue '' but there is NO time limit on Identity Theft I have sent in an ID theft affidavit so thus this charge MUST BE DELETED if the law is followed.
I have expressed this situation to my attorney and XXXX is violating the FCRA laws pertaining to bankruptcy. All of the " account statuses '' should state " CLOSED ''. The account statuses says derogatory. I have contacted XXXX XXXX XXXX and they will be representing me on this dispute. I have requested numerous times to put the correct information on my credit report and they refuse too. This is the final attempt before involving the courts. Most of the accounts were opened due to fraud and the companies refuse to send the documentation I requested. XXXX, XXXX, and Experian are all violating the FCRA Bankruptcy consumer laws. No one should have to endure this and it is utterly ridiculous that these 3rd party companies would rather be sued than to do the correct thing. Law states if the companies do not respond in 30 days the accounts are to be removed. I have repeatedly gotten emails stating 60 days and that is definitely not the laws. Also, my name is not XXXX XXXX nor has it ever been XXXX XXXX!
My mother put me as a user for XXXX of her credit cards and I would like my name off them accounts. My mother stopped paying these accounts and left them neglected but now they 're showing up on my credit report and I never wanted to be a user.
I had signed up for a trial of XXXX XXXX Premium service on XX/XX/2018. I had cancelled the Premium service on XX/XX/2018, before I was to start being charged, but the cancellation apparently didn't go through, because I was billed for the service from XX/XX/XXXX through XX/XX/XXXX for {$29.00} a month. I became aware of the charges, that I did not authorize, nor would have authorized on XX/XX/XXXX, and went back to XXXX to check on the matter, and saw that my XX/XX/XXXX cancellation didn't go through, so I pressed to cancel again. I never got a cancellation conformation email for either XX/XX/XXXX nor XX/XX/XXXX. 

I called XXXX on the matter, but the only item on the menu for the phone number I had for them was the address to their campus, so I called Bank of America Money Network on XX/XX/XXXX to dispute the charges. I gave them the information I had, filled out the dispute forms they sent me, then faxed them back. I just got a letter back from Money Network that they were denying my claim.
On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious.
Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.
In XXXX we applied for and received a governmentmodification through our mortgage company XXXX. 
In XXXX of XXXX our mortgage transferred to NationstarMortgage. During this time we paid our mortgage ontime each month for the amount listed on our statement. 
In XXXX of XXXX I was informed by Nationstar that ourmortgage would be going up very significantly becauseour previous mortgage company XXXX had been lettingour escrow account go into a negative state of over XXXX said we would need to repay all the money and wantedus to repay in a short period of time with extremely largepayments. I told them I could not pay that amount andwould end up losing my house. After several phone callsand begging they agreed to let us stretch out the repayment. 
Our mortgage is now over {$600.00} more per month. 
I asked for an explanation on how something like this couldhappen and asked several times to speak to a supervisorand was never able to. I even sent a certified letter toNationstar and never received an answer. I asked for ourPMI to be removed to help lower our payment but becauseof the negative escrow amount they said they consider ourloan to be delinquent and until it is all paid back we will notbe able to get rid of our PMI. I said to them our paymenthistory should be considered and that it was n't my fault thatthe previous mortgage company let this happened. I askedwhy it took so long for them to figure it out as I had made 9months of payments to them at the lower amount. They saidthey had done an escrow review and discovered the issue. 
I learned of the increase by calling to pay my mortgage theynever even sent me a letter to explain or show whathappened.
I was lied to when applying for the credit card. I was told 0 percent apr but I continued receiving interest charges. I spoke to a supervisor and I was refunded for them and promised a 0 percent apr again but the interest charges started again. Another issue I had was that they locked my card before I hit their promotion offer of spending XXXX dollars. They made it incredibly difficult to verify my account by asking me to mail back a security letter with my social security number. By the time I was able to do it the promotion had expired and I did not receive the promotional offer. I've already lost my patience after this last interest charges ( XXXX and XXXX ) but they would only refund one month. I dont intend to pay one cent of something I did not agree to.