WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX ,  XXXX , I refinanced my home for {$340000.00}, with a lender named, The  XXXX   XXXX   XXXX   XXXX  in  XXXX  Florida. I believe this could be considered a predatory loan since the finance company based the loan on my salary solely and the value of my house. Which the valued it quite a bit more than it was truly worth and without anyone coming physically to the property. Somewhere around  XXXX   XXXX ,  XXXX , I was laid off from my job at   XXXX   XXXX   which I had worked at for over 28 years. My division of the company was bought out by  XXXX   XXXX   XXXX   XXXX  and all member s of management wer e laid off. This started my financial issues as I went from {$55000.00}, to {$0.00}. After I got behind on the payments I received notices of impending foreclosures, I believe by this time the mortgage had been resold once or twice. I was contacted by a company named  XXXX   XXXX   XXXX , run and owned by  XXXX   XXXX   XXXX . He said he would buy the house for {$10000.00} and rent back to me for {$1300.00} a month. And after 1 year he would sell back to me for {$370000.00}, this would keep the house from being sold and would build credit back up after paying for 1 year. After the year was up I went back to him to buy back now he wanted {$450000.00}, for the house, soon after this we found he was arrested for mortgage fraud he had just had the title put in his name and was supposedly having the billing notices sent to his address and was not paying monthly mortgage. Even though my name was still on mortgage the bank never notified me of what was going on. The state of Florida prosecuted him for fraud and I was put on a list of victims tha was suppose to be remunerated by the state of FL, which has never happened I have kept in touch with the States Attorneys office through the years and finally last year they said it would be up to me to get my own lost monies. Since the issue with   XXXX   XXXX   XXXX   I have tried at lea st 8 or  9 times with  XXXX   XXXX   XXXX  and no w Wells Fargo  to modify or rework my loan. They always reject it, never saying why, just reapply again. Last year,  XXXX , I had negotiated with  Wells Fargo  to do a short sale, they agreed to it and I was working with a realator who had a potential buyer and  Wells Fargo, stopped the foreclosure sale then  without notifying me they went ahead with the sales in  XXXX   XXXX , I only found out by checking the Clerk o f the County for   XXXX   XXXX  website and saw they cancelled the cancelling of the sale and with 1 days notice I filed a chapter  XXXX  to stop the sale. I have dealing with this for 10 years now and wanted to make payments, but they would never approve me, they could have been receiving monthly payments for 10 years. During this time I had to deal with my fathers illness ',  XXXX   XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . And they would not work with me, it is also my understanding they have " lost or ca n't find '', the original mortgage instrument.
I had a Sears Card ( Citi Card ) that i never used that Sears charged a snowblower warranty charge to. I never got a bill from Citi Card but months later i got a " my account is delinquent '' call which i then informed Citi Card that i never activated the card and it was still sitting in the envelope and that Sears charged the wrong credit card. The Citi Card Manager and Customer rep were able to remove XXXX of the XXXX month late fees and i paid the entire bill off while on the phone with them and also closed/canceled the card since i never used it nor was i going to use it. This is XX/XX/XXXX. XX/XX/XXXX i got a call that i owed like {$14.00} or {$18.00} for additional fees on this account that i fully paid off and closed. The customer rep was able to remove {$10.00} or {$14.00} but had to put a request in for the remaining {$4.00}. He saw the account activity and said it was a problem with Citi 's system and that i t is not my fault that after closing the account the system was charging me additional fees. Apparently the request for the last {$4.00} did not get approved as i was called by a collection company, XXXX XXXX XXXX today. This is ridiculous that after XXXX months i am still having to deal with Citi Card 's system issues and {$4.00} on a fully paid for and closed account
XXXX, XXXX, and Equifax is reporting accounts that do not belong to me. History reports late payments.
I believe Chase received my credit report with out my consent on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not aware of authorization of these credit request by CHASE and have found this will reviewing my report to buy a home
I was an XXXX customer. I had a complaint filed with the BBB for unfair sales practices and fraud. ( they added services specifically XXXX XXXX that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, XXXX XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX, now I am receiving constant calls and letters from Sunrise Credit even though I advised that this was an error and should not be in their records.
My name is XXXX XXXX  and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XX/XX/XXXXand the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.
I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. This company also does not list an account number on the credit report. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.
I filed a dispute with Experian open on XXXX the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1300.00} I provided the information over the phone do dispute this collection since the online dispute did not allow me to input the info myself. The investigation was completed in one day. I received and answer to the dispute on XXXX XXXX. I called Experian on XX/XX/XXXX and asked them about their investigation. They said they requested verification that this was my debt and that the collection company said this was my debt. I asked them do they not investigate or do they take the word of the collection agency. They said they are suppose to get verification from the collection agency but it was not in my file so they didn't receive anything. They said they would file a better dispute than the original one. This information is being taken over the phone by a person who does not speak very good english and does not understand me well. I did not want to be rude and ask for another person but i think this is a hinderance to the process
XX/XX/2018 Today, I tried to resolve a credit card issue with XXXX XXXX and their Collection Agency, XXXX XXXX. My mothers account was canceled several months ago. The statements were being sent to a different address than hers in Florida. 

XXXX XXXX said they sent the account to their collection agency for non payment. I called the Collection Agency and tried to resolve the matter and the collection agency wanted to speak with my mother who is XXXX XXXX XXXX. They started arguing with her and harassing her and demanding to get her bank routing number. I told her not to give it because they would not send any records of her charges and dates. They demanded to get her bank routing number and would not even take a credit card # to pay the outstanding balance. 

I am filing a complaint against XXXX XXXX and XXXX XXXX for treating customers this way, especially vulnerable elderly people.
I purchased a credit report from Experian for {$5.00} and got it with no problems. However for XXXX months afterward I was charged {$19.00} for credit monitoring which I never asked for. Called the company and requested a full refund and they would only credit me with XXXX months charges. Moral of the story is read the fine print on these forms because even the credit agencies will cheat you if they can get away with it. Case # is XXXX
I cosigned on a vehicle loan for my boyfriend to purchase a XXXX XXXX in XX/XX/XXXX, financed by the American Honda Finance Corporation ( AHFC ). At that time, I was XXXX years old, a XXXX XXXX  and was working part-time as a XXXX XXXX XXXX XXXX. Prior to that work, I worked as a XXXX  at an XXXX XXXX where patrons could have pizza parties. 
My boyfriend at the time worked as a XXXX XXXX at the Honda dealership where the vehicle was purchased. At the time, I was surprised to be able to co-sign for him since I could not even qualify to sign for my own car, because of my brief employment history, lack of credit and savings. In fact, my own car was in my Fathers name because I did not have any credit. The finance person at the Honda dealership assured me that since I was graduating in XX/XX/XXXX, that I was seen as an acceptable person to co-sign for him because I would be getting a full-time job in the near future. 
After breaking up with my boyfriend/childs father, He experienced several employment challenges including working as a XXXX. His payment of the car was sporadic and I received calls from the AHFC on numerous occasions. They informed me that I would be held responsible for the vehicle if he did not make the payments, since I was a co-signer on the loan. I informed them on numerous occasions that I was not going to make payments on the vehicle unless I was given the vehicle. 
When I applied for a loan to purchase a home, the mortgage loan office informed me that the vehicle had gone into collection. When I contacted AHFC, they informed me that they had repossessed the vehicle and sold it for {$7800.00}, almost half of what the vehicle is worth per XXXX XXXX XXXX estimates for Private Party Value leaving a balance {$16000.00} that I would have to pay if my ex-boyfriend does not pay it. 
I have attached a copy of sheet entitled, XXXX XXXX indicating that the actual amount of the charge off is {$25000.00}. Although the balance is reported as {$17000.00} over an above the {$23000.00} identified as the balance. The High credit on the loan was {$29000.00} when the vehicle was purchased in XX/XX/XXXX 
I believe that I was used by my boyfriend, the Honda Dealership and the AHFC. I believe that every trick in the book was used to finance my ex-boyfriends car because he was an employee of the Honda Dealership. AHFC never informed me that they were in possession of the vehicle. They just sold it and plan to bill me for the balance owed plus other charges. 

I am willing to pay for my mistake, but I should have been provided an opportunity to have the vehicle if I am being made to pay for it. AHFC never provided me that opportunity. 

I am going to hire an attorney and file reports with the State of Tennessee and the local District Attorneys office.
The lender Wells Fargo will not work with me to lower my monthly payments, thus driving me to consider defaulting. It is unfair for them to not offer any reasonable options for people like myself who are pursuing a better life in this country. I received an education that did not lead to a career in my field of study as well so i feel college advisor offices were very misleading as well. I feel trapped and there is no way out and have no hope for the future. Wells fargo student loan services is extremely greedy and shady as they are also unable to provide all of the allegedly signed documents after i 've requested them on several occasions. Please help me in resolving this issue and having Wells Fargo lower my monthly amount taking into consideration all of my debt/including federal loans. Their customer service is also terrible and lack empathy. Please help me! I feel trapped and extremely depressed.
The dispute could not be filed because I could not verify mortgage, auto loan, and store credit cards I never applied for and know nothing about. The dispute is an Equifax report showing an open XXXX wireless account in XXXX XXXX years ago when I 've lived in XXXX all my life and at the current address for XXXX years. If contacted I 'm sure I can prove my place of residence by paystubs, unemplyment records and public assistance records in XXXX. This is plainly identity theft.
I have been working with XXXX XXXX XXXX for a year now. I am trying to apply for the XXXX ( XXXX XXXX XXXX XXXX ). I have been denied for numerous reasons at least XXXX  times in the past year. The reasons I have been denied have been untruthful in my opinion. I have been denied because they have said that certain boxes have not been checked or there were missing signatures - all of which are false because I have the copies of the documents that were either mailed or uploaded. I have called and talked to numerous people about the next steps to take. All of the answers are different and varying. I waited on hold for a manager for over an hour a few months ago to try to finally get some clear direction. I qualify for the XXXX. I have been a XXXX for over XXXX years in qualifying schools. I feel they are trying everything they can to just frustrate me and string me along with these " fake '' problems with my paperwork to just get me to a point where I give up. I have given up a couple times only to come back a couple months later to reapply, submitting sometimes the exact same paperwork as before. In doing this they find a slew of different things that are wrong with it and why I do not qualify for the forgiveness. The paperwork I submit is only good for a certain amount of time. By the time I resubmit the paperwork where they have found an issue that isn't really there - it has been expired and I need to get it filled out again by my HR department at my current XXXX  and the other XXXX XXXX  I worked for before. This takes time and of course it's difficult to get paperwork from a XXXX that you no longer work for - especially XXXX times. I currently have about XXXX different reasons of why I have been denied in my inbox with XXXX XXXX XXXX. All of which are not valid. I have never once been late in XXXX years paying my student loan payment so there are no issues with that. They are also trying to say that the current XXXX  I am employed with does not qualify under this program because my paycheck is signed by my corporate company - however, I actually work and perform my duties in a XXXX XXXX XXXX and am in fact paid strictly out of XXXX XXXX funds. Please help.
Transunion sent me an email on XXXX XXXX, XXXX notifying me of Changes to my credit report. I still see two names that do not belong to me or have been used by someone else.
This problem relates to Experian, XXXX and XXXX Reporting Agencies. These agencies stubbornly continue to retain addresses that go back in some cases more than 30 years. 

1. These agencies won't provide a place on report to dispute ANCIENT addresses.

2. These agencies stubbornly report an " Also Known As ''. I NEVER USE AN ALIAS OR ALSO KNOWN AS NAME.

3. Name changes legally made LONG, LONG AGO are not reflected on report. The agencies are stubbornly holding on to OLD NAMES as though there is something to uncovered. 

Agencies IGNORE NAME CHANGED VIA DIVORCE DEGREE. Reports show last name XXXX ( OLD MARRIED NAME ) THAT WAS CHANGED VIA DIVORCE DECREE XX/XX/2002.
I am approaching a debt collection company to make them aware that I have fallen on very difficult times. I would like to see if I can avoid filing for bankruptcy, but that decision is quickly approaching. Therefore, I am requesting a very low offer in compromise to the attached collection letter as quickly as possible. I could borrow {$2000.00} from a family member to settle this account in full, but that is as high as I can go at this time. I have over {$120000.00} in unsecured debts, and my financial position is in bad shape at this time. This company can reply through the Consumer Financial Protection Bureau portal.
on XX/XX/2018 I attempted to purchase a vehicle at XXXX XXXX in North Carolina. The dealership is unable to pull my credit report at that time. On XX/XX/2018 I attempted to set up a product so that I can see what the issue is with my Equifax credit report. I was unable to set up the product online and was instructed to contact customer support of Equifax. I contacted Customer support on XX/XX/2018 and was transferred to XXXX XXXX  first to verify my identification. I was told that there was an extended fraud alert on my credit that would be on there for 7 years. I also was informed that all they had to do was update my file with a phone number and my credit could be pulled. on XX/XX/2018 i noticed the charge for the product and attempted to login to see my credit information, the car dealership called and informed me that they still can not pull my report. I was not able to access my report. I called Equifax Consumer dept again and was told by XXXX who is a floor supervisor that I would not be able to access my report due to a error on the part of Equifax. I would have to wait up to 7 days for a possible resolution. At this time, it is stopping me from purchasing a vehicle. And I am very concerned for my personal information.
They call from  one spec ific number, and I do n't answer, Seconds or minutes later they call again using a different phone number, but my call ID says its the same company. I do n't have any debts in collections.
I received a {$100.00} Mastercard gift card in XX/XX/XXXX for the amount of {$100.00}. The card was in its original packaging and had never been opened. The bank issuer of the card is XXXX XXXX XXXX XXXX. When I attempted to use the card at a grocery store it was declined. Upon calling the XXXX Customer Service number on the card I was told the card had been XXXX   out by {$2.00} charges per month commencing one year after the card had been purchased, which was XX/XX/XXXX. The outside packaging does not state these expenses will occur after the first year of card purchase. Rather this information is contained in the " Cardholder Agreement '' document inside the packaging. The printing on the packaging states the card is " valid thru XX/XX/XXXX '' and that it has " no value until paid for and activated at register ''. The outside instructions do not explain the purchase of the card activates the card. " Activating '' the card could be interpreted as when the receiver of the card begins to use it. This again is explained in the " Cardholder Agreement '' inside the sealed gift card package. I attempted to contact XXXX XXXX XXXX XXXX by telephone but could only reach call centers, even when I called the XXXX for XXXX XXXX  XXXX XXXX directly. I then mailed XXXX XXXX XXXX XXXX a registered letter on XX/XX/XXXX to request they reinstate the value of the gift card back to {$100.00}. I never received a response. I included my address, telephone number and email address in my letter. I also left a message with the call center contact person requesting a reinstatement of the card to its original value but did not receive a response.
XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
XXXX XXXX
says i have home loans and credit cards out ... 
I have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... 
I lost my job too due to my XXXX. 
Something has to be done.
XXXX and XXXX had an account in collection from Fox collection for {$84.00} which was prior to my bankruptcy. I filed disputes with both credit bureaus. XXXX removed the account as they should. XXXX refuses to remove it, even after notifying them that Fox Collection does n't have and has not even reporting this account to them since my bankruptcy! They will not remove it, I do n't feel I should be forced to either pay it to get it removed or get a lawyer. XXXX has been messing up my credit since my bankruptcy, which I 've tried very hard to improve my credit and what 's crazy is that XXXX  even shows my bankruptcy on my report! I 'm so frustrated, please help me with this. Thank you for your help!
Fraud on my student loan by XXXX.Multiple violations of Higher Education Act.. Denied unemployment deferment in XXXX 1999, for job searches that were not required as of XXXX XXXX, 1999. Loan was forced into repurchase by XXXX XXXX XXXX but Navient continues to try to collect more money though loan was paid by offset year ago.
I have Dispute republic finance it was removed then added back this weekend. XXXX XXXX  company employees managers. Have been using my information for years fraudulently doing things. Only someone with acess to all my information could do this. Im in the process of hiring a attorney to prove this. I have reported this to usda and they have did nothing either. There is a way legally this can be traced its happening at the office of rainervilla apartments and on there personal time
My complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information, I do not have an original account with them or any signature saying they could collect on me. I asked for validation and verification from the debt collector according to FDCPA rules. They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say  the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance. This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.
They have been harassing us for a month. They only let it ring 2 times then hang up.