WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I received a copy of my credit reports. Upon a very thorough look, I found all sorts of errors. I decided to write the companies that were reporting the errors as well as start the dispute process with the credit bureaus directly. I asked for them to look into payment histories of a few of the companies on my reports as my records were conflicting with theres. Well here 's what happened : when I asked Experian to verify a delinquent payment history that was being reported by XXXX XXXX. 

On the report It read that the account was never late yet discharged through chapter XXXX bankruptcy. I disputed this because I never included XXXX XXXX XXXX in a bankruptcy. I was never late so why would I? In XX/XX/XXXX, Experian claimed that they verified the information as accurate but on around the same time, I had independently asked for XXXX XXXX to please send me records as well. XXXX XXXX could NOT provide me with any records. In fact all I received from them was a letter asking them to help research the items. XXXX XXXX also addressed me in the letter as " XXXX XXXX '' My name is NOT XXXX XXXX. My name is XXXX XXXX. I live with someone whos last name is XXXX that has a XXXX XXXX account and I believe that the company and credit bureaus have somehow merged our information. I sent proof of the letters to Experian and Experian did not change the information and claimed it was accurate! HOW? I sent another dispute in and I got correspondence back that unless I provided additional details that they would NOT reinvestigate the errors. I sent additional proof and they claim that the company verified the information again. I do not believe that they are doing an investigation at all. I believe that they are merely tying in addresses and claiming that they " verified '' it. XXXX XXXX could not provide me with any records but somehow Experian verified the accuracy of the records? Additionally, the original credit limit on the credit card was {$1500.00}. Experian is reporting {$19000.00} balance on the card before their investigation and {$28000.00} after their investigation but in XX/XX/XXXX reported {$1500.00}. None of this makes sense and they refuse to provide any proof of their method of verification of this stuff.
We contacted the company AD Astra as soon as this showed on my credit report, even sending copies of the plane ticket that showed that the time and date the loan was allpied for and approved, I was on a flight to Washington state. They still refuse to remove this from my credit, even after being given proof that this was fraud.
We obtained a mortgage to purchase a new home from   XXXX   XXXX   XXXX   ( a mortgage broker ),   XXXX   XXXX   XXXX   XXXX  ,  XXXX , PA   XXXX     to purchase our home at   XXXX   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX . The mortgage was sold to Amerihome Mortgage   XXXX   XXXX  ,  XXXX , NJ  XXXX . At the time of the mortgage sale to Amerihome we believed we had an escrow waiver from   XXXX   for the hazard insurance and real estate taxes. As it turns out, we only had the hazard insurance escrow waiver. On   XX/XX/XXXX ,  I paid the   XXXX   XXXX   XXXX     XX/XX/XXXX  R eal Estate Tax by electronic transfer in the amount of {$3600.00}. I later learned the Amerihome also paid the real estate tax in the same amount. I tried to ask Amerihome to request the refund from the   XXXX   XXXX   XXXX   for the overpayment so we did not have an escrow shortfall. On  XX/XX/XXXX , a supervisor at Ame rihome names  XXXX , promised verbally that they had initiated the refund and that the escrow shortfall would be correct then. As of today 's date that has not happened despite numerous calls to Amerihome and emailing them using their secure message system. My account number is   XXXX  . I can not initiate the refund reques t from the City bec ause I do n't want it to appear as a tax delinquency but Amerihome promised they would. I am totally current on my mortgage and also paid down the principa l in  XX/XX/XXXX   by {$370000.00} as the proceeds from my prior home 's sale.
I was mislead and told in my promissory note that I would be funded through graduation. Upon entering my junior year my loans were cut and I no longer could receive enough to finish. The loan terms stated I would have to repay the loan after graduating based on my earning potential once obtaining my degree which I could not get because I couldnt pay for my last year and a half of school.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
I have been called XXXX times by the above company on XXXX different days. They left a voicemail with a claim number XXXX '. I am to call them back and quote this number. They have also called by fiancee 's parents in XXXX, DE and also my parents in XXXX, XXXX. I have researched the web and found many scam related incidents regarding this company and have been advised to file a complaint with you. Today, I answered the phone and the lady said that they were taking legal action against me from 'Alliance Online ' since I would n't pay {$500.00} on the phone today. Her last words to me were 'See you in court '. Please advise.
Complaint against Franklin American Mortgage. 

A payment of {$800.00} was sent to them through Bill pay for {$800.00} on XX/XX/XXXX for XX/XX/XXXX payment. The payment cleared the bank on XX/XX/XXXX. 

Another payment of {$800.00} was sent to them through Bill pay for {$800.00} on XX/XX/XXXX for the XX/XX/XXXX payment. The payment cleared the same day. 

XXXX XXXX XXXX applied the payments to the wrong account. 

When I received a letter stating my mortgage was past due, I called. I faxed proof of the payments on XX/XX/XXXX. This proof - which was straight out of the checking account with reference numbers was not enough. Bill pay had to get involved. They called me at work and informed me of a past due balance - without every reading the notes on my account that two payments were being researched. Every time I called to check the status, they were unable to locate information or had not found the payments. The payments and past due amounts were finally applied to my account after I faxed the proof of payment 6 different times to their  company. I called today to make sure they were updating the credit bureau, they reported the mortgage delinquent two months in a row. I had already requested this in writing, but nothing was being done. She said it would take a minimum of 30 days. I explained to her that it literally takes a minute for her to fax a letter to the credit bureau stating it was reported in error.

This company is unprofessional. They are worried about receiving their money but are not concerned with helping you when they have misapplied the payments. They also are not interested in correcting their mistake with the credit bureau.

I DO NOT RECOMMEND EVERY HAVING A MORTGAGE WITH THIS COMPANY
I have called numerous times asking Trans Union to freeze my credit report. They have yet to do so even after 4 separate calls over the past month, starting in XX/XX/XXXX up until my most recent request on XX/XX/XXXX. They have an online method for freezing credit reports. Every time I try to access that it does not work. The online page states that this service is available TransUnion : Monday-Saturday, XXXX XXXX.-XXXX XXXX. CST Sunday, XXXX XXXX.-XXXX XXXX. CST I have tried multiple times and multiples points in the day and have tried multiple times during the past month. The online freeze request always comes back as not available at this time. I have a screenshot showing it stating " TEMPORARILY DOWN ''. It is always down. When I call to inquire about this, they just bounce me from person to person. I have no idea who to send a letter to in this regard. I could only find the Fraud Assistance Department mailing address, so I did send a letter there. No answer My score continues to go down and down because companies keep hitting my report. My only recourse is to block this / freeze the report and they do not seem capable of making that happen. I believe it is my right to have my report frozen and I should not have to ask for over a month and still be asking.
Conserve company is attempting to collect {$1100.00} for a debt which I am not responsible for. It is affecting my credit score
We had a mortgage with Countrywide which then became Bank of America back in XXXX. I filed Bankruptcy in XXXX. Discharged XXXX. After the Bankruptcy we continued to make payments to Bank of America for our XXXX. During the next 7 years we applied fro Loan Modifications on XXXX different times. Bank of America would have us sign and make trial payments. Each time we never received Final Loan Documents. During this time I kept making the modified payments and would call Bank of America regularly to ask why They have not sent us Final loan documents. Was told by Bank of America they would expedite it, but still never received them. We just kept making payments. Bank of America just kept dragging it on to get any payments they could. Now XXXX XXXX, XXXX I find out the Loan was never re-affirmed and that it was part of the bankruptcy and it was discharged. So Bank of America drug this out for so long just to take our money even though it was BK. We paid over $ XXXX. I believe this is Fraud on Bank of America. Please help us get our money back. Property BK now. Backup documents attached are only for recent activity.
On Friday XX/XX/XXXX I called Wells Fargo from a phone number ( work ) in my profile to request a credit line increase. After validating my current / open account with the representative I was sent to underwriting ; were I revalidated my identity, so a credit report could be reviewed. Then I was transferred to the Fraud department and requested to further detail my identity. At this point I was unsure about answering the question " what year was my house was built '' the agent stated I could call back in and redo the application process ; consequently, having a second credit report pulled. So I ended up guessing on the question, and was wrong, so they locked my account. I was advised I would need to take two pieces of ID into a Wells Fargo branch to validate my identity ; however, there are no Wells branches in Michigan. I was then advised to go to any bank. 
On MondayXX/XX/XXXX I went to my primary checking account institution and explained the ridiculous request to Member Services. I have banked with this institution for more than 20 years and not to my surprise they declined calling the Wells Fargo Fraud department and validating my Credit Card / ID info. I mean why would they, it is not their account. Frustrated I called Wells and filed a customer service complaint as I was investing more time than necessary. I even requested closing the account and was denied until the fraud lock was removed. 
Think about this - I validated my identity with Wells twice for an existing account, which was already established and cleared by the Fraud alert at the time of opening, more than five years ago. So they think some human broke into my office, sat down at my work desk and called My credit card to request a credit line increase. There verify identity with caller ID. 
After Filing the complaint I waited 24 hours without response. So again yesterday I tried 2 more Financial Institutions. XXXX and XXXX and was also both turned away stating this was not something they were comfortable doing. One Banker stated how do we now you did not steal the wallet. 
Even more frustrated I called Wells again on XX/XX/XXXX and requested to speak with a supervisor, I explained to him that I have tried to clear with three banks, tried to close my account, filed a customer complaint and requested an alternate option since they have no local branches in my state.
In   XXXX   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX    XXXX  and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the  XXXX  I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks later on  XX/XX/2015    they took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien on  XX/XX/2015   . I have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disputed this Public record with all  XXXX  creditors and it is still on my credit reports.
Navient had collections agencies calling me saying they had my account. Multiple agencies a day would call. I contacted navient and they gave out my information to these agencies. My account was NEVER IN COLLECTIONS and I lost all of the money I had been paying monthly to this agency that claimed they had my account. Navient is horrible and was no help and just lied and stole my money. They refused to let me defer my loans and fold me this was not an option. This has destroyed my credit.
I borrowed {$8900.00} dollars and the being reported to the credit bureau is {$16000.00}. I asked why is an inaccurate amount being reported to the credit bureaus, they replied that they are reporting interest just in case the loans carries out to XXXX years. This is a misrepresentation. How could they report unearned interest over time plus principle instead of just principle. Other creditors will assume that I took out a larger loan than I did and it messes up my debt/ratio balance. I want the balance corrected. 


This complaint is against One Main Financial ( a subsidiary of CitiFinancial ) Branch number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA, XXXX ( XXXX ) XXXX
credit card company says its over 60 days and cant dispute over 60 days when i didnt even authorize the transaction.
National Credit Adjusters ; Payday loan went into collections, I have reported this as account not mine due to identity theft. 

{$1300.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX 1. This firm pulled my credit report without notifying me or advising me. I did not give my consent to have my credit report reviewed on XX/XX/XXXX XXXX 2. This firm will not remove item from my credit report after giving my police report number and reaching out to the 3 credit bureaus.

3. This account was open fraudulently.

4. This firm continues to call for payment after I advise to not call me, and after have discuses with previous representative that this account is not mine 5. This firm stated they have reached out to fraud group, but when i call they stated they have not received the paper work.
Every three months for the last two years someone tries to open a credit card in my name through chase bank. It's always a XXXX card and I have to call chase they have removed some of them but not the last three there still on my report ... .. please help Dates are XX/XX/2018, XX/XX/2018 and XX/XX/2018
I rented an apartment with my roommate in XX/XX/XXXX -XX/XX/XXXX and was kicked out by him, he still remained in the apartment and I let management know i was kicked out and returned my keys, was told I did n't have to pay and now the negative account is in the way of getting an apartment. They no longer have me in the system due to new management, I would like to clear it so I can move in as soon as possible. Thank you.
XXXX, you are so dishonest and a liar. you called and left me a message only XXXX time, I have called you twice and left messages with no response. 
You did not give me the recast payment of {$430.00} ; you gave me the payment of {$460.00} which is not the recast. I understand the increase of my taxes and insurance, but I am talking about the {$430.00} recast. The {$86.00} escrow monthly is based on the increase from XXXX to XXXX monthly. my monthly payments with my recast should be around XXXX monthly. I 've earned this and you have no right to deny me. Please address why I did not receive the incentive of {$430.00} monthly payment? This is an incentive and I want what is due to me
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


1ST FRANKLIN FINANCI {$1000.00} XX/XX/2013 XXXX
My mother took out a reverse mortgage in XXXX for {$58000.00}. She purchased her home in XXXX and is currently XXXX years old. She is no longer able to live independently and currently lives with my parents. I attempted to contact her Reverse Mortgage company well over 15 times in the last two months to find out what the interest is and the total she owes. After being " disconnected '', transferred multiple times and being told someone would call him back, I still did not have the amount owed until the day before the closing of escrow and never received the contract. The amount they indicated my mother owed was {$410000.00} Her home sold for {$600000.00}. I was faced with two options, continue with escrow and have them take {$410000.00} with no justification ( proof of contract ) or identification of interest accrued or discontinue escrow and they move to foreclose ( although property tax and insurance are current ) because she longer resides in the home. If you were to call your traditional lender and ask them today what you owe on your mortgage, they would provide it to you with no problem. The refusal to provide ( although I am legally entitled as my mother 's Executor of her Estate ) is baffling. They still have not provided documentation. The question remains, if they have nothing to hide and are on the up and up, why not provide the contract? I would implore anyone to not take out a reverse mortgage and strongly discourage anyone they know from taking one out.
I had another dispute in the past about Equifax and some of the accounts that were being reported, In addition to what has already been disputed I have information to add to the dispute including : XXXX needs thorough investigated, they are reporting to my credit reports under multiple names with different amounts and account numbers for the same account. They have listed as XXXX, XXXX, XXXX, and also go by the names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX all under the parent company " the XXXX XXXX '' when something is removed, as it has been on my reports, it is transferred to another of their " companies '' to get it back on the reports it seems. XXXX XXXX and a XXXX account are reporting on my reports and XXXX and XXXX XXXX are reporting these same accounts as collections so some of my reports are showing XXXX negative items for XXXX account. To my knowledge this should not be the case. I attempted to contact the XXXX office in XXXX AL ( original creditor ) by mail about the account they have listed on some of my reports and offered payment in an effort to clear this matter up and I did not get a response from them. XXXX XXXX, CRA, and XXXX finance as stated before are all reporting the same accounts under different names. Can they do this? I contacted XXXX XXXX to try to sort the matter out and requested them to send me something by mail showing the terms of a payment arrangement and they refused to do so multiple times until after I talked to XXXX different people from XXXX " companies '' XXXX funding which told me they could n't negotiate a settlement with me and transferred me to XXXX XXXX XXXX XXXX in which agreed to a settlement amount and after telling them I could n't pay that day finally agreed to send me the agreement in the mail for a lower settlement amount but added in the letter that a negative report to a credit bureau may be added if I did not pay it, a day later I received another letter from them wanting the full amount. I told them I did not admit ownership of the account I just wanted the matter cleared up and off my reports. These accounts have made a mess of my reports due to multiple listings of the same account with just enough changed to look like different accounts etc. I went as far as requesting the help of a credit repair company but they did n't dispute on the proper grounds I believe. I need all XXXX of my reports investigated for these issues and they should be removed especially if the original creditor will not accept payment on the account or even reply to my inquiry about the account.
I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015
XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Late payments was posted on my credit report, I just came out a rehab program to bring my loans out of default with the company FAMS, that stated all my updated information would be sent over and updated to my new lender. I had no clue who my new lender was until the late payments start hitting my credit report. This is causing me to be turned down for being a homeowner, I called the company and updated all my personal information and I have been making all payments via auto draft from my personal account. Navient is not willing to work with me and stating that my late payments are correct.. I spoke to XXXX XXXX XX/XX/XXXX an she advise me that the late payments are accurate, I went through the program to get back on track and they do n't see how those payment can be accurate when I never knew who my new servicer of my loans would be until they start negatively reporting on my credit report. The late payments dropped my credit score XXXX points. Please advise what can I do.. Thanks
I had an insurance claim on my house at XXXX XXXX XXXX XXXX on XXXX/XXXX/15. My mortgage company refusesto release the insurance proceeds. They sent me {$3900.00} months ago but will not release the last {$8000.00}. They keep saying that they will send aninspector but nobody ever calls or shows up. 
I have made all the repairs and I need my money. 
Thanks, XXXX XXXX
Carter-young states that I owe XXXX to XXXX XXXX XXXX XXXX When I asked for validation of the debt they sent me paper statement for XXXX XXXX account. They highlighted my " typed '' name signature to the bottom of the page. They put this on my credit report and is ruining my credit report and score. I want this company to remove this derogatory information off my credit report.