WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.
In 2005 we bought a home in XXXX, Ca. with a20 % down payment and like everyone from the area saw our home go underwater. The area jobs market also went under and you then lose your job. The next step Is missing mortgage payments. WE where working on a loan modification program with Chase and the head of this company is the despicable XXXX XXXX. We had everything working perfectly until this XXXX and his company decided they wanted more paperwork. After this run around this despicable lowlife company foreclosed and took our home away. We lost everything and these lowlifes sold our home for less than what we would have renegotiated for. They lied to the government agency that handled modifications and we where left basically homeless, some thanks for being a XXXX XXXX XXXX veteran. XXXX
Multiple inquiries have appeared on my report without my consent. Please verify in writing inquiries that I requested.
In XX/XX/XXXX I found myself needing a new roof on my home. At the time I was financially solvent, had paid off the mortgage on my home, and was working full time. I didn't want to drain my savings account to pay for the roof or put the cost on a credit card, so I approached my local Wells Fargo bank with the intention of taking out a small, short-term loan to pay for the roof. XXXX XXXX XXXX was my personal banking contact at that time, though she eventually left Wells Fargo. If my memory serves me correctly, I made three visits to the bank. The staff there was resistant to a short-term loan and suggested a line of credit based on my home value. They also did a hard sell on car and homeowner 's insurance and opening up a Wells Fargo Visa card. Eventually I opted for the line of credit and did not open other accounts with them. I was under the impression that I would have to leave the account open for a minimum of three years and that after one year I would be able to lock in a lower interest rate.The account had a credit line of over {$30000.00}, which was my primary complaint. I certainly didn't need that amount of money for my roof and over the next couple of years it was clear that they were using tactics to encourage me to run up the account balance and always reminded me that the interest was deductible on my federal income tax I was encouraged to transfer other debt, such as car or other loans, to this account or to take vacations or spend this money on shopping trips, mostly unsecured debt. I did end up using all of the money, mostly for living expenses and family emergencies. Despite my numerous attempts to close down the account, convert it to a different type of loan structure, or to lock in a lower interest rate, I was not able to. XXXX had left the bank a couple of years into this loan and I had no personal banker to deal with. I was in a position of having to explain the nature of my account to a new person every time or being transferred to a corporate branch where I was given no real assistance or alternatives. All of these negotiations took place on the phone. Over eight years I paid nearly {$10000.00} in interest on a {$33000.00} loan. During that time I was not able to deduct one dime of that cost with the IRS. Eventually it became clear that I would be forced to sell my home in order to pay off the line of credit, which I did in XX/XX/XXXX. After completing my move from XXXX XXXX to XXXX, I ended my relationship with Wells Fargo by closing all of my accounts and went to another bank. At that time, I was relieved to discover that no additional accounts had been opened without my knowledge.
Equifax is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and XXXX. I would like a full investigation into this accounts.
In XX/XX/XXXX purchased a house in XXXX XXXX with using my VA home loan, came down on orders to change duty stations in XX/XX/XXXX to XXXX XXXX XXXX. In XX/XX/XXXX my mortgage was with XXXX XXXX XXXX, I called to do a loan modification, the person I was speaking with told me " dont make another mortgage payment till you got all the paperwork that i am sending you '', so I stopped making payments. I waited ten days never received any paper work, so I called back told the person I was speaking with what was going on, that person also told me to dont make payment till I received paper work, I never received any paper work. Ever since than I was giving the round around, by than I was so far behind on payments that I could not catch up to bring my loan current. After a few years go by mortgage was sold to many different mortgage companies, then ended up in collections, now I owe {$400000.00} to bring my loan current at the end my VA loan turned to a conventional loan.
hard unauthorized inquiries on my report that needs to be deleted from Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX Trans Union XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I talked to someone from Customer Service and they didn't want to resolve the issue.
I have made extra monthly payments to my Federal XXXX for the past few years since XX/XX/2014 and have recently went through all of my statements and realized the extra monthly payments are not being applied to the principal balance of my loan. 
In turn, I am paying more in interest and my balance is not decreasing accordingly.
On XX/XX/2018- I was loaned {$600.00} via online by Bright Lending. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 524.9996 % - a significantly higher interest rate.
Lakeview Loan Servicing sent me a letter via XXXX soliciting me to refinance my mortgage. The letter implies that they have taken over the loan from my current mortgage holder XXXX. I do n't believe this is true. The solicitation via XXXX and the implication that they are now my mortgage holder and therefore can offer me special terms for refinance are misleading. In addition, the offer has a deadline of XXXX/XXXX/XXXX. Why the urgency of a XXXX mailing and a stated deadline if the changes to the FHA Streamline Refinance Program were announced XXXX/XXXX/XXXX? The whole thing - the approach, the offer, the terms - is packaged in a way to confuse and mislead.
Been in a battle for years for a student lostudent loan I never took, in an educational institute accused of fraud in court and later closed. I had sent documents, lawyer letters, but always denied. They only have a pc of paper with my supposed signature.Ask them to take me to court. They never did, but every year they contact me reclaiming the loan money.
Received call on cell phone about a non-existent debt. Phone is registered on federal Do Not Call list. Message sounded like a scam. There was NO phone message other than a claimed debt which was NOT described. The number appears to be identified on XXXX XXXX XXXX AND XXXX as a SCAM. TSC is identified as the entity originating the call. NO documents have been received or referred to.
The  Loan i applied for has not been approved so i need the approvement to facilitate the loan acquired for. I applied for the Loan on  the  XXXX / XXXX /   2017  and the loan amount is {$5000.00}
This is in reference to a dispute I filed in XXXX XXXX with PNC bank. An unauthorized charge for {$250.00} for XXXX XXXX. I received documents to sign, in which I mailed back in XXXX. PNC claim they did not get. Then faxed them in XXXX and was advised they received them. I went to go pay my rent on Sunday XXXX/XXXX/XXXX and could not because they had taken {$250.00} out of my account. I am now being evicted with my minor son due to this issue. I a, fighting XXXX and I have no help paying my rent. PNC customer service has been extremely rude and not helpful. I feel they are taking advantage on my XXXX. I need help please. Thank you
This is the fourth time in recent history that a potential Lender has been unable to hard pull my Equifax credit file. Equifax says absolutely nothing wrong on their end, but XXXX, XXXX XXXX and XXXX all get the same " no data available '' response from Equifax. My most recent response to the same complaint resulted in Equifax sending me a paper copy of my report. This is not what I asked for!!! I WANT LENDERS TO HAVE ACCESS TO MY EQUIFAX CREDIT FILE!
In XXXX, 2015, without giving notice and without authorization or approval, First Data Global Leasing withdrew {$990.00} from my checking account for a contract debt which does not exist. I had owned a business, XXXX XXXX XXXX XXXX, and had leased credit card terminal equipment from FDGL.. During this time, FDGL had access to the said account for payment of the leased equipment. Upon the business 's sale 5 years ago, they were notified of the business closing and the equipment was returned to them. I kept the checking account as my personal account. After the sale, I retired and have lived solely on my Social Security automatic deposits. Their withdrawal of the funds caused the account to be overdrawn which took 2 months to get back in the black. So, first, I do not believe I owe them any money having no contract to prove or disapprove this and second, it should not be legal for the way they withdrew money from my account. Also, it has been impossible to make contact with anyone at FDGL and no one returns calls. I am sure they have handled other businesses similarly. My living on a fixed income only made this act more unscrupulous and tragic.
This company has call my cell phone and house every hour for long period of times. Sometimes the calls comes in every 1/2 hour or even a few minutes apart, all day long. I had paid this company and I am current at point. However, they are trying to throw out more fees and make me make more payments then I should. The customer service people are rude and nasty. They are mad with me because I will not give them any more bank information and provide them any more bank authorization to my account. However, I been making payments automatic with my bank account. This company has taken money from my account monthly and it is on my statement. They charge me late fees and other fees, that I can not understand when they been taking money all this time from me. When I do call them, they will claim they did not receive the payment and I tell them I have my statement in front of me. That clearly states they took money from me. After they harass me over the phone, become very rude and nasty, and I state I will file complaint because I have proof. Suddenly now they located my payment. However, the next day my payment is not there. 

They call my grandmother harassing her, asking her where I am at, my location, my number, etc. Demanding they tell her and scare her. They did not want to hang up with her. They gave her a number for me to call. However, they refuse to hang up. She stated I am not giving you any information about my grandson and hung up. She did provide the number that call her and stated why they was looking for me. 

They had call my family members about my account, and harass them. They call each one of my family members cell phones, including my little sister who is under XXXX. Telling 3rd parties I owe them money. Sometimes they will call my home way after XXXX eastern time. They are trying to get more money out of me then what I owe. They call from many different numbers and different people call from this company.
Date : XX/XX/XXXX To Whom It May Concern, Equifax, XXXX  and XXXX  are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XXXX of XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on Equifax and XXXX 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX   XXXX  XXXX XXXX  XXXX  XXXX Reporting on Equifax, XXXX, and XXXX 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on Equifax, XXXX, and XXXX  1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 3. Balance of {$1200.00} incorrect
I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , XXXX and XXXX. these companies have not corrected the error.
I had done a modification in XXXX. And my first payment was on XXXX .and on XXXX/XXXX/XXXX I recast my loan with Wells Fargo to be in a fixed rate because I knew my rate was going to go up being in this modification. And when you recast your loan the rate stays fixed and the term stays the same the entire loan The payment is what gets lowered. As all this infomation is on Wells Fargo papers too. 
XXXX XXXX is trying to do a fraudrulent act on my loan saying I am still in the modification That 's why it 's going up. Well that not true at all there causing a fraudrulent act on my loan And I want them prosicuted to the fullness extent. And I want Wells Fargo to pay my loan in full due to they are trying to Cause a fraudrulent act on my loan. And I am not the only one Wells Fargo has done this to its all online in the news what Wells Fargo is doing. 
They need to be put out of business how dear Of them do this to my loan.
EOS CCA is attempting to collect for XXXX XXXX I do not know. I have not received any documented letters from EOS CCA. I checked my credit and found out of this collection. They did not give by law my 30 day right to dispute, and they are in clear violation of the 30 day right to dispute law.
I purchased my house in XX/XX/XXXX for {$110000.00} with adown payment of {$9000.00} My mortgage was sold several times, namely to Litton loan and XXXX. I haave never obtained a modification of {$190000.00}. The documents are a forgery. The dates are from various years. There 's a notary from Texas, I have never been in texas. I never obtained the loan. Litton loan and XXXX are both out of business for frogeing ddoucments that are false. Creating false documentation. The documents havvarious red flags, there is no legal document that can have a variety of signatures from numeryears. I have ben dealing with this for years, trying to get this resolved. I 'm asking gor help to get this debt removed from my credit and my responsibilities. I did not create this debt there is no other documentations from Litton loan and XXXX indicating any of files or conection just a bogus modification. That I did not get. I did not sign for a modification.I could not have signt for a notary from Texas, you HAVE to be in Texas in order to receive a notaryized document. I have never been in Texas please review the proof that this is a bogus debt and something should be done about this to stop this from happening, It makes no sense to obtain a loan on a house that was originally $ XXXX why would I get in to anything that is doubling the cost that I paid. I have paid the amount that I have been behind with the exception of XX/XX/XXXX balance that was most I have ever been behind. There has got to bes something that can be done.
Bank America made me signed an agreement with out disclosing the interest rate or the new term of the loan. I was just presented a lower monthly rate. I was happy to see the new mortgage rate was low. But after it was said and done. The interest rate remained the same and term.
When the company was   XXXX   XXXX  , I had taken out a private student loan with them to complete my medical education. I had taken a loan out approximately  XX/XX/XXXX / XX/XX/XXXX  for {$25000.00}. The loan with interest had ballooned to over {$37000.00}. I have been paying on this loan for over ten years. After all this time, I still owe {$22000.00}. I pay {$230.00} a month. My last payment is scheduled for  XX/XX/XXXX . I have called Navient on a few occasions to see what were my options. The only option given to me was to go into forbearance. However to do a forbearance I was told that I must pay what I recall was a  XXXX  fee. This would only be a few months and I was limited on the number of times in which I could do it over the life of the loan. I believe it was twice.
My complaint is that I have always been on time with my payment as a responsible borrower and I never defaulted on the loan. This company is not willing to help me as a consumer. I am seeking if I can restructure my loan to lower payments and to settle half of my loan and pay it back in a shorter period of time.
this is my second time writing transunion, XXXX in regards to identity theft and credit bureau did not produce physical documents to prove these accounts are mind. I sent XXXX certified letters to each bureau as well as an identity theft affidavit number XXXX and these accounts still remain on my credit report. XXXX XXXX XXXX XXXX XXXX BANK XXXX MORTGAGE XXXX BANK ARE ALL DIRECT RESULTS OF IDENTITY THEFT. PLEASE REMOVE IMMEDIATELY
I sent the payment, but the collector continued to call and harass me. He was extremely rude and tried to pressure me into paying exhorbitant collection fees.
On my credit report through XXXX XXXX it shows a hard inquiry on XX/XX/XXXX from a XXXX/XXXX in which I did not apply for credit anywhere so I have no idea who this is or where this credit application came from. I did lose my wallet in XXXX XXXX, Virginia in XX/XX/XXXX-XX/XX/XXXX so not sure if someone has used my information from my information in my lost wallet.
Pulled credit report XXXX 2014 and saw XXXX Collection Account ( for XXXX ) that I was unaware existed. Had moved XXXX and guessing that 's why I did n't get final bill. On XXXX XXXX, 2014 at XXXX ( sitting in Hotel in XXXX TX ) spoke to Billing Dept. XXXX. Was told that to clear collection would need to pay {$220.00}, this I did using my debit card. Rep on phone stated computer issues and payment may not post until XXXX/XXXX/14. Payment indeed presented to my bank and was showing paid on XXXX/XXXX/14 to the XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX both deny receiving payment. Tried to lease apartment for job purposes and was denied due to this still showing on my credit report. My bank traced the payment to the XXXX XXXX as noted above.
My automobile lease maturity date is  XXXX / XXXX /  XXXX  . I paid  XXXX  's payment in full on  XXXX / XXXX /  XXXX  . No other monies should have been due from me and I scheduled to turn the vehicle in by  XXXX / XXXX /  XXXX  . However, Southeast Toyota Finance still sent me a billing statement dated  XXXX / XXXX /  XXXX   indicating I owed another full payment due  XXXX / XXXX /  XXXX  . When I called to inquire about the amount due, I was told I did not owe anything. I asked the lady why the statement was sent to me and she said that it happens on all leases close to the maturity date and that people often pay the amount and then have to go about requesting a refund.   I am submitting this complaint because I think it is a terrible practice to ask for payment from a consumer that is not due. Additionally, it sounds like a KNOWN practice and Southeast Toyota Finance should implement controls to ensure it does not continue.
I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX  ,   XXXX   XXXX   &   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  10  hard inquiries, that was being reported on my credit report. They received the letters & they completed the request. The request that I submitted included 10 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623  ( b ) (  2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response back in less than 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. I sent my request off to you on XX/XX/XXXX, XXXX you received it on XX/XX/XXXX. Your response was dated XX/XX/XXXX in which you stated you would conducted a reinvestigation of the items in dispute and send your results within 30 days from the time you recieved my dispute letter, which was XX/XX/XXXX per the certified letter. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) from my credit report and all hard inquiries except for XX/XX/XXXX, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.