WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I received a phone call from XXXX XXXX, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXX I received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called XXXX XXXX on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that XXXX XXXX  reported my mortgage account as delinquent 90-119 days past due. I then placed a call to XXXX XXXX and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to XXXX XXXX regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that XXXX XXXX has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account
Received fraudulent payment demand from First National collection bureau, INC.. sparks, NV. 
Received fraudulent payment demand from FNCB dated XXXX/XXXX/16 for an balance of {$130000.00} indicating that the current creditor is XXXX XXXX XXXX XXXX, NONE Of these companies are on my credit report. or ever were. and I would like to dispute it. 
Ref # XXXX / XXXX XXXX Bank XXXX Account XXXX. Original Account XXXX. I do not have any accounts with any of these companies, and would like this company to cease and desist all collection activity immediately, including mail and phone. I would like written documentation stating that this collection activity has been terminated and verifying that all credit bureaus have been notified, effectively negating/removing any negative reports regarding this fraudulent claim for my records.
Hello, I am not getting a refund of {$89.00} from National Bank of Omaha credit card company. I have talked to them on the phone 2-3 times and documented emails agreeing to send this refund. It 's been more than a month and they are still running me around. Please advice. Thank you.
I have had a auto loan through GM Financial for 4 years one payment was made late during that time. InXX/XX/2016 the company pulled several payments out of my bank account at once. Three payments to be exact. They took out the current month and two additional months payments. My bank pulled back the funds and  investigated, They found GM Financial to be at fault. In the meantime the company repossesed my vehicle. It cost me a large amount with towing fees and storage fees and additional fees from GM Financial I got my vehicle back. Several thing were broken in my truck from the tow company. After all this they apologized I thought I will do my best to get out of the loan and away from this financial company. Now they have listed numerous late payment that were not there before and they are not reporting to any credit agency any payments or correct balances on my loan. ( Not reporting on anyones loans ). I recently went to purchase a new vehicle and was unable to. This company has me hostage. I called again today and was told there is nothing that can be done and they will not be reporting anytime soon. What are my options.
I have a fraudulent hard inquiry on my Transunion credit report from XXXX XXXX XXXX. I have had no dealings with this company nor did I authorize any credit inquiries on my behalf.
Since XX/XX/XXXX I have been requesting a mortgage modification. The holder of my original mortgage was XXXX in Fl. After the federal government shut there office down, my mortgage was acquired by XXXX XXXX XXXX for over 4 years they never provided any paper work stating how and why they have my mortgage. I completed every request from XXXX to complete the documents for a modification with no success. Then I received notice that XXXX Mortgage is my new holder of my mortgage. Now, XXXX claim to have my mortgage. What are my rights? What documents am I suppose to receive from the mortgage that is true and legal. Is this legal?
In 2008 I met a gentleman by the name of XXXX XXXX. His home address is XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX. His mobile phone number is XXXX. He told me that he was selling homes that he owned at a great price and that there would be a {$10000.00} USD profit pay-out at closing if I decided to purchase. He also advised that I contact a mortgage broker that he works with named XXXX XXXX. Her company is XXXX XXXX XXXX XXXX , XXXX. The address is XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, FL XXXX. Her office number is XXXX and her mobile number is XXXX. The first time I met XXXX, XXXX, myself, and my sister were all in her office at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX ; XXXX, FL XXXX. She and XXXX were explaining that I would generate $ XXXX to do the repairs and upgrades to the home upon closing on XXXX of XXXX 's homes that he was selling. The address of the home that I purchased and currently occupy is XXXX XXXX XXXX XXXX. XXXX never took me to the home to look around and check it out. She never advised that I should take such actions either. Still, XXXX ( the seller ) told me that the sales price would be {$170000.00} USD. Upon getting a pre-approval and an approval for an FHA mortgage from a private financial intermediary ( XXXX of who I also believe partook in this mortgage fraud ), XXXX never mentioned that I would be required to put a down payment on the home, let alone 3.5 %. I believe that a private lender financed the home and sold the mortgage to SUNTRUST BANK in addition to an inflated interest rate. Furthermore, according to the credit history, strength and income-to-debt ratio, the SUNTRUST agent should have known that it was a fraudulent transaction. I was under the false pretense that I would be receiving 100 % financing, get the additional $ XXXX to do the repairs and upgrades on the home, and have the closing cost paid by the seller. There was an appraisal conducted by XXXX XXXX from XXXX. The location is XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXX ; XXXX, FL XXXX. Her mobile number is XXXX and the office number is XXXX. She appraised the home at $ XXXXUSD. I also believe that the appraiser inflated the value of the home in accordance to this ordeal. Around XX/XX/2008, I received a call from XXXX to come to her office. She advised me that " the bank '' was having problems approving the loan and that she would have to increase the price of the home from {$170000.00} to {$180000.00} USD in order to get an approval. I had recently signed a contract on the home for {$170000.00}. She assured me that it was n't going to make a difference because I would now be receiving the amount of {$25000.00} USD.
I spoke to Cmre rep a few times. They keep asking for the FULL AMOUNT of original balance. They 're not the original creditor and ca n't pursue the full amount. I 'm a veteran and have notified them several times. They 've been extremely rude and management wo n't return a single call.
Equifax mishandled my information which has led to a security 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.
This is my second complaint to chexsystems. Chexsystems removed the XXXX XXXX   account that didnt belong to me but then added three additional accounts to my file that doesnt belong to me. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX The accounts listed doesnt match my social security or drivers license. I called to inform them and the refused to listen and spoke to me very rudely and condescending.
I had 20 student loans with XXXX XXXX in forbearance. XXXX XXXX and XXXX split and 10 of  my loans somehow defaulted. XXXX XXXX did an investigation and stated they made a mistake but I would need to send certified letter to XXXX to buy back loans. XXXX refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to XXXX and they are unwilling to update the status to NEVER LATE. XXXX XXXX " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the XXXX and XXXX XXXX loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if XXXX XXXX hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing with XXXX XXXXXXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. XXXX 's devious tactics can not continue to ruin people 's lives. After I disputed XXXX started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.
I 'm desperate and looking to you to help as the only consumer advocate I 've got!! 
Tried to get access online to my credit reports though XXXX also by phone. 
I provided all the information that was requested to all 3 agencies. 

Online : the response today Mon. XXXX XXXX at approx. XXXX all 3 reporting agencies were unable to compete my request for my credit reports. 

By Phone : Request could not be completed. 

TransUnion : Unfortunately your request can not be fulfilled online at this time, based on the data provided. TransUnion XXXX : Error Information Http Status 400 Group 11 XXXX : We are not able to deliver your free XXXX annual credit report online. 

I then proceeded to call : The automated system could not deal with my XXXX accent..the message I left was repeated back to me did not hear my name correctly..the automated system would not let me finish and kept speaking over my answers to the questions. 
Surely using the phone alpha. and numeric system would overcome the above problem.
No Live persons were involved. 
XXXX
Repeatedly I have asked that certain items on my credit report be corrected or removed. This is affecting my credit score and rates of interest being offered by lenders! I have asked the erroneous addresses on my report be removed .I asked that incorrect items that are being reported by lenders/vendors be investigated and corrected, They are : XXXX for {$1000.00}. I changed to XXXX after there was interruption in service due to the weather conditions, but XXXX kept their service going even after I requested it to be turned off. XXXX also kept billing me for a number I had already transferred to XXXX. XXXX staff was paid for service. I asked for them no to deposit the checks I left until next day and I had a chance to transfer funds between accounts. 
Equifax has NOT responded to my request for investigation.
Dynamics Recovery Solutions calls me with a debt claiming to be XXXX XXXX XXXX in which I never heard of or no of. My next issue when they call they ask me did I want to settle the debt with a credit card number. The person on the phone could not provide me with no notice in the mail nor have they mailed me nothing. When I ask them can they provide a contract and who sign the said they did not have one. After that I told them that I was filing a complaint with the US Attorney office of consumer complaints and the CFPB. I called back 15 minutes later they claim it belong to some one else over the phone. Then call me back trying to explain there mistake.
I received a phone call from XXXX XXXX XXXX this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for LVNV funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.
Hi, I am currently in the middle of purchasing a house. I am a veteran just trying to use a VA home loan to accomplish my goal. I have been approve based on my credit score with XXXX  but lack of reported credit and unwillingness of communication between credit bureaus and companies, even at my own personnal request, as well as between the credit agencies themselves is appalling. The only thing I was requesting was proper communication between all parties involved. 
My loan officer ran my credit reports from three credit bureaus. On all three reports there was missing information between the three. XXXX, Equifax and XXXX  all had info on them that was not in the other. The report showed an open line of credit open on Equifax but not the other two.XXXX showed a child support balance, paid in full. And XXXX   showed another State child support also paid in full. What i asked of the bank showing the line of credit to report it to the other two credit bureas, they claimed they only report to equifax and refused to report to the other two agencies. When i contacted XXXX they informed me that there was nothing they were willing to due to add the credit line to the report. Both Washington state and North Carolina State child support agencies informed me they report to only the one respective agency. When I requested the paid balances be reported to the other agencies they replied with the same answer of they refused my request. I have tried to get this issue resolved so i may be able to use my VA benefits to he best of my ability but feel as though there is no cooperation or willingness for a smple exchange of information. I am requestion assistance in resolving this issue in a timely matter due to the process of requiring a home for my family and I. 
Thank you -Time frame and date of incident is : Report generated XX/XX/2019 @ XXXX Attempted actions to correct issue : XX/XX/2019 between XXXX and XXXX ( Mountain Time )
I contacted the Credit Bureau on XX/XX/2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.
transunion customer service would not help and take care of the negative inquiries reporting to my credit report.       XXXX   XXXX   XXXX   XXXX ,  XXXX  N  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX  Bank  XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX    XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX    XXXX   XXXX ,  XXXX  Finance   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX   XXXX   XXXX   XXXX ,  XXXX  Finance   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX  Bank
My name is XXXX XXXX I used to live at XXXX XXXX XXXX XXXX XXXX XXXX, md XX/XX/XXXX, XX/XX/XXXX I moved out on XX/XX/XXXX to live with my family after this time I went to rent my own apartment because I got married, they declined my application because I have report from financial management solutions phone number # XXXX/XXXX, I called them and I asked them to give me explanation why I owe XXXX the representative he is name gamble if am not spilling wrong he said you didn't pay rent for month of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, I told him if I have approve I payed for this months, he said doesn't mean you have receipt show the month that mean you payed for the same month may be you payed for month before, i told him what I know when you rent appartment you on advance for the month or you going to move out by XXXX or XXXX by court order he said they didn't have enough time to get court order I told since XX/XX/XXXX to XX/XX/XXXX the time I give note of leaving 4 month they didn't have time to file this dose n't make since to me, and I asked him for payments history report he asked me for mail address I said I don't have one but I have e mail you can send through my email he said he didn't have time to send 15 sheets by email .all through this conversation he try send me message like you have only one option just pay that money
I paid my mortgage with Franklin American in full on XXXX/XXXX/2015. I have a {$3400.00} escrow balance still with them. It has been 1.5 months and they are still holding my escrow money. When I contact them they say they will mail it but to this point I have received nothing. I am concerned they will keep my {$3400.00}. I am looking for help with getting my money returned to me.
FMS inc just showed up on my credit with no mail no email no calls to me to inform me of this debt
This is in regards to case # XXXX, XXXX, and XXXX. 
At the very beginning of this they said they would not quit calling us because they said it was the primary number my son gave for him. When we spoke to him he stated he never gave our number out. They have lied to us numerous times including telling us that different employees had spoken with us. My answering machine has XXXX XXXX 's name recorded on it and yet XXXX the manager tried to tell us it was a XXXX that spoke with us. They said they are not the company that was involved in this and yet when I called the number they gave and asked them if they were XXXX they replied yes they were.They have continued to harass my daughter and myself. My daughter and I called XX/XX/17 and told them we were recording the call and did record the call requesting a cease and desist fax number and what they needed to process this and were told they do not give this out and will not honor one any way. At the beginning of the call my daughter asked them the name of the company and asked if they were XXXX and told them they were being recorded and they said yes they knew. They verified that they are XXXX and knew they were being recorded and got defensive they ended up hanging up on us. We do not need to be harassed by creditors and the information that they have shared with us should have been private information.