WillisBack/dataset-financial-user-claim huggingface dataset:
We contacted Wells Fargo when my wife lost her job and become XXXX, in the hopes of being proactive to any money problems. They refused to work with us unless we defaulted. We explained we wanted to do the right thing but they offered no help. We kept up mortgage payments as long as possible and decided when we knew we could n't continue, to call the bank and tell them we would sell the house. They asked us to fill out hardship documents which we did, we received many letters asking for more information or claiming we were being reviewed. Ultimately it ended with them offering no help. We continued to try to get them to work with us to no avail. They avoided our phone calls/never returned them. Never responded to emails. We tried many times to get a payoff amount for the house so we could put it up for sale. After no communication from our numerous calls, we went to a local branch and tried to get help with them. We were looking for a payoff amount so we could sell the house. In the end they told us the bank manager put the letter in the vault. The employees insisted they could n't get the papers, only the manager could ... after a few phone calls/days, it turns out there were no papers for us. We finally got the house up for sale, it was up for sale for 90+ days and was not selling so we tried to do a Short Sale or Deed in Lieu. They kept changing our contact at the bank and still ignored our calls and emails. It was n't until we contacted an outside agency for a Short Sale that they finally responded/reacted. We got an offer on the house for approx {$4000.00} short of asking price and went into contract. The bank denied the offer claiming the seller wanted sellers assist and they cant do that. Within a week, they lowered the sale price by approx {$10000.00}. ( so ... .why deny the high offer? ) No sooner than they denied the offer, we got papers that we are back in foreclosure and have received several legal/court documents. Our Short Sale representative has also tried to work with the bank to no avail. In addition when she requested a deed in lieu they said we were ineligible even though I have several letters from the bank with them suggesting that route. I have a documented timeline of calls and letters. This is such a short version of the events. We have tried so hard to work with them and do the right thing. They do n't want to know anything other than foreclosing, they make all other options impossible.
XX/XX/2018 Purchase for a XX/XX/2014 XXXX. Two checks post dated of which one check was honored and the other checked cancelled. The loan is now in default due to the cancelled check. Let XXXX XXXX know and they said no problem. Westlake Financial Services was assigned to the the loan in a separate letter attached to the contract. It states, '' Your contract has been assigned to Westlake Financial Services. During the next week, XXXX will contact you regarding your automobile purchase. Please make sure that you are available for this phone interview, which is required for the financing of your new vihicle. '' The interview never took place upon waiting for 3 weeks. The vehicle was taken back to the dealer on XX/XX/2018. The dealer said that could not be done, hence the keys and the car was left on their lot. What financial company buys defaulted contracts unless they are one and the same? Let XXXX be aware of the situation and they kept putting me on hold as they would contact the dealership. No resolution.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX
Universal American Mortgage Company , LLC ( UAMC ), committed multiple violations of CFPB and Federal Regulations during my evaluation for Loss Mitigation Workout options. The application contained inaccurate financial information, which differed from the evidence submitted and was not discovered or properly reviewed. There was a violation of dual-tracking as well. After being denied for Loss Mitigation Workout, I appealed the decision within the allotted time ( 30 days ). While reconsidering loss mitigation options following the acceptance of my appeal, UAMC 's lawyers submitted a Motion for Judicial Sale of Property. The excuse I received from UAMC 's Foreclosure Department was a lack of communication between their department and the Loss Mitigation Department. Their lack of communication resulted in my appeal being denied on XX/XX/XXXX, and a sale date of XX/XX/XXXX. Now I have 6 days until the sale date and UAMC is refusing to rectify the situation.
Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor that provided a signed agreemnt between the collection company ( IQ Data International ) and myself. The collection agency responded with a lease that didn't state anywhere that this company is contracted with this collection agency. Whenever I called the collection agency to speak with a rep, the rep informed me they were in a contract with this apartment complex and they didn't need my signature to report to my credit. The rep then transferred me to a supervisor, and he informed me that if I didn't provide them with my banking information that day, he would note my account as refusal to pay which would cause a negative impact on my credit. It is against the law for a collection agency to threaten someone, and that is exactly what this company did. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Transworld S ystems/TSI claims on my credit report that they are collecting a debt of {$400.00} on behalf of  XXXX   XXXX  for a recently charged off account. I have n't had an account with  XXXX   XXXX  since  XXXX  of  XXXX , and I had received no notice of a debt from Transworld, so I called the original creditor on  XXXX   XXXX ,  XXXX  to verify that no one had recently opened an account using my information. They told me the closed account date they have for me is  XXXX   XXXX ,  XXXX  and the charge off date was  XXXX ,  XXXX ,  XXXX , and they have not had an account for me since. They sent me the proof of dates the accounts were opened and closed. I contacted  Transunion a s again, I have received no contact with  Transworld,  not by phone, not by mail. I told them this creditor has illegally reaged this account, and that I have received no communication or validation of this supposed debt, yet as of today they consider the matter settled and the account remains as a negative collection on my credit report with an origination date in  XXXX   XXXX . My issues are that I have received zero communicatio n, zero  proof of debt, and I have evidence from the original creditor that they have illegally reaged this debt that was originally reported to them in  XXXX  of  XXXX . They are lying on my credit report and saying that the original creditor contacted them in  XXXX  of  XXXX , which the original creditor says is a flat out lie and they suggested I contact your agency. I want to sue them for their illegal practices that are damaging my credit and costing me money in the forms of higher interest rates and outright denials for the extention of credit. They are breaking the law and need to be punished accordingly.
I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.
I submitted 4 dispute requests, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. They were not verified but were not deleted from my report. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from my credit report.
Experian XXXX, TX XXXX Re : XXXX - Account Ending XXXX. 

I am writing to ask that you delete my entire record from all credit reporting, since I have tried numerous times to contact the collections company XXXX has referred my account to : XXXX XXXX, XXXX Executive Response Unit. XXXX XXXX. 
XXXX, Office of the President, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX. 
XXXX XXXX, VP Client Servicing I have had XXXX success in doing so, since they claim it is a XXXX account. 

In addition, I have made consistent payments to XXXX over the years and as a responsible person, and yet XXXX is still reporting me as not paying. 

This must be rectified immediately, since as I was told via my phone call XXXX does not manage this debt, XXXX XXXX XXXX XXXX XXXX does. 

I am reporting this mis-reporting to CFPB and each individual reporting agency. 

I look forward to your response. Thank you for your consideration. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Since 2013 I was approved for a trial modification. I did my payments complete the 3 payments. After they denied for unclear title. I did clear the title. After I did fix some issues in a wrong credit report was not mine. And on and on and on since then. Finally I did show my income my family income and my rent income from them about {$XXXX}. Still denied by Wells Fargo. They review and they said send another application always same game. They appraised the property incorrect for a huge number. They want me to sell the house in short sale I do n't want to leave my house.
Date : XX/XX/XXXX. I have been receiving repeated calls from " Online Information Services '' ( OIS ) in North Carolina. Message says they are calling about a debt owed by " XXXX XXXX XXXX '' ( sp ) which is not me nor anyone I know. The message also instructs me to take action ( call OIS ) if I am not this person. I do not and will not interact in any way with such calls, and I 'm not going to call and tell them my actual identity, particularly as there are **hundreds** of online complaints about this company ( including one that reports notifying the FTC of OIS ' fraudulent and harassing practices as early as XXXX ). 
Number OIS call me from : XXXX Number OIS tells me to call to be removed from their calling list : XXXX Note also : I am on the National " Do Not Call '' registry and have been for years. 
More info about OIS included legal complaints : XXXX XXXX XXXX
On XX/XX/2017 I, as a result of a desperate situation, took out an installment loan for {$2000.00} with XXXX XXXX ( Rosebud Lending XXXX ). This company touts itself as a tribal lender of the XXXX XXXX XXXX of the XXXX XXXX XXXX  of South Dakota. Since taking out this loan, I have made 24 payments of {$160.00} for a total paid of {$4000.00}. To date they are showing that I still have a principal balance of {$1800.00}. It has come to my attention that this may, in fact, not be a legal loan in the State of Minnesota ( my state of residence ). These payment have increasingly become a hardship for me and it is very demoralizing to see so little of the balance actually being whittled away. As I understand it, Minnesota caps interest rates on internet installment loans at 31-33 %. It is my contention that I have already paid the principal of this loan, as well as paying well beyond the interest rate cap outlined by the State of Minnesota. I should also add, that I have twice sent correspondence to XXXX XXXX concerning this issue and have yet to receive any sort of response.
I went to a Mortgage Broker to see if I could get approved to by a house. I noticed that my loan from University Accounting Services was not listed. I called and asked why is was not on my credit report. Both time I tried calling I was told they can not speak to me about my account and to contact XXXX, who is the lender. The second time I called I asked for the contact information so I could call them and they kept repeating " I have no information to give you. '' I have tried looking up XXXX online to find their contact information and I cant seem to find anything. 
On my statement for this loan, the only contact info given is for UAS. At this point, I have no one to talk to about this account. Why would I continue to pay on a loan when I cant contact the lender. I 'm concerned about the handling of this loan.
TransUnion is adding a Personal Statement to my credit report with no supporting documentation, rationale or directive. 

1. Transunion - please provide your rational for adding the following statement to my report. 
" Statement added because consumer was a victim of true-name fraud : # XXXX # XXXX " 2. After you have provided the reasoning for adding this details, delete this unsupported document.
Received a call from a XXXX XXXX and XXXX XXXX in XXXX IL about cash flipping. They took {$100.00} from me and never received anything from them. They have dropped all contact with me and all. This was a MoneyGram. 

Please look for these XXXX numbers : XXXX from XXXX XXXX. 

XXXX from XXXX XXXX.
Ocwen Financial has barred me from paying by check or ACH since I transposed my account number by error. After months of successfully paying online the mortgage company has increased the cost to me of serving my loan while they make XXXX of dollars off of it. It 's unethical and damaging.
I am getting calls from a company called  " Brennan & Clark LTD ' ' and informed to call back "  XXXX  '' to speak with a specific individual there in regards to a debt that I do not have with this organization.     I have looked over my credit report and nothing shows of an outstanding debt nor this organization at all.
I recently filed for bankruptcy. I was current with my Navient STudent Loans, paid XXXX off and was on auto pay. last month, Navient cut off my auto pay and disconnected me from using the webpage to log in and pay my bill. I noticed it was not paid, so was going to use the website and make sure I was still set up on auto pay. 
I called and a rep told me that she could not help me and I would get a notice in the mail due to my bankruptcy which was final XXXX XXXX. I called back a few days later, worried they were trying to stop my payments and garnish my spouse wages. I was able to make them reset up my payments that were not late and Due XXXX XXXX. Relieved, I was able to stop my anger and get on. 
Yesterday, I was called by a Navient collector and he said that the payment did not go thought because I was not late, Now I was late and had to pay late fees. Then I could go through the process of setting up on auto pay. 
I was cut of from my account, and make late with interest, all the while current on my student loans. They kept telling me that they could not find my account and my spouse was made primary on the loans even though were current. The bankruptcy did not disolve my loans, why was I harrassed, blocked from payments, and made to answer an recording about being in forbearance. I was forced to answer that I was in forberance in order to get back on auto pay. It is humiliating enough to have a college degree and no stable income. To be treated in this manor has caused me undue stress. 
I have other student loan providers, who did not do this to my when I was in bankruptcy. I need help getting back my interest that I had to pay. the collectors on the phone will not stop until I paid the late fees and was put in forberance. I also got a letter that I needed to update my email address, or some benefits would be stopped. I had unsubscribed to emails since I was on auto pay. I did not want monthly notices from them. They had my email address already. Nothing has changed. 
I never got a good job since going to college an never had the money to pay back loans, I work several jobs to make ends meet. Recently started my own business to get work.
I received a credit card from XXXX XXXX for which I never submitted an application. I contacted all three credit bureaus to confirm no additional suspicious activity on my credit report and place a fraud alert. I had no issues with XXXX  or XXXX. Equifax refused to review my credit report with me on the phone. I was required to submit to a long series of extensive questions regarding my financial history dating back over several years. I did not have such documentation readily available to me to respond. Given that I have just been the victim of fraud, I also frankly did not want to submit this level of information. The service representative refused to discuss my credit report with me and notified me that, in order to receive my credit report from Equifax, I am required to submit photocopies of identification because I did not answer all of her questions regarding my financial history. My alert claim number is XXXX.
I received my experian credit report today XXXX/XXXX/16 ... .The report is dated XXXX/XXXX/2016. My express account is still showing as accounts that are potentially negative. I immediately contacted experian to dispute this because I have supplied them with a letter staing that this account should be reporting as accounts in good standing. I spoke with the rep and was told the express account was updated on XXXX/XXXX/2016 and showing as accounts in good standing. However the report I received today shows different. I requested a new and corrected report be mailed to me and was told I have to wait till it 's updated. I am very confused as I was told the report updated on XXXX XXXX 2016 and the report I received today is date XXXX XXXX 2016 so this account should have be updated and moved to satisfactory already. I went online and it shows accounts in good standing. But I am concerned because if I apply for credit and my report is pulled it is going to show incorrect information. I was unable to receive another report. I want to see it in writing that this account is reporting as accounts that are in good standing.
Stayed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX a transaction to my credit card for the full amount was processed. As of XX/XX/XXXX there are still two pending transactions on my Citibank credit card for XX/XX/XXXX {$160.00} and XX/XX/XXXX {$65.00}. Contacted Citibank and XXXX and both companies point fingers at each other that is the responsibility of the other to remove the pending transactions. It is affecting the amount available on my credit card limit to be used and I have had transactions refused because of this. 

Spoke with XXXX in Accounting at XXXX and XXXX and XXXX at Citibank on XX/XX/XXXX starting at XXXX XXXX  EST.
My report claims I lived at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX I have never in my life lived in or been associated with any individual from XXXX, XXXX. This date has never before appeared on any of my credit reports and looking at each individual it is still not showing on them. It needs to be removed. It says I resided here from in XX/XX/XXXX, I wasn't even born until XX/XX/XXXX and my SSN is valid and was issued when I was born in XXXX XXXX, XXXX in XX/XX/XXXX
I have been trying for months to get a copy of my credit report from Equifax and the website always tells me my information doesn't match their records or that they are unable to process my request ( no reason given ). My information was amongst those affected by the data breach and I already know of one erroneous item on my credit report ( which I had corrected with the other agencies in less than 24 hours ). I can't dispute the account without a confirmation number from a credit report they won't give me. It simply shouldn't be this hard to get a credit report ; it certainly isn't a problem for potential creditors. I've tried the phone number but there is no option to talk to a live person so it tells me it can't help me. My only option seemed to be to send my personal information by mail to these people but it seemed extraordinarily risky. I went ahead and sent them copies of my lease and social security card. I am waiting for some response to this request. It seems to be very easy for everyone except me to get hands on my personal information with Equifax. I have had no problems at all with the other credit reporting agencies. Their systems are very efficient. Equifax is too inept to have so much power over people 's lives.
Synchrony Bank sent me a letter dated XX/XX/XXXX that they decreased my credit limit from {$510.00} to {$100.00} based off of a credit report they received on XX/XX/XXXX. Prior to this they dropped my credit limit from {$900.00} to {$510.00} in a letter they sent me dated XX/XX/XXXX based off of a credit report obtained on XX/XX/XXXX. Both times my credit limit was dropped to increase my credit utilization even when my account payment history with Synchrony Bank paying my account on time every time since I have opened my account. The reasons for them lowering my credit limit. They not only did this with my XXXX XXXX Card but they also did it to my XXXX XXXX Card as well. Other credit cards have increased my limit for excellent payment history. Synchrony Bank has punished me causing damage to my credit score by decreasing my credit limits close to my balance owed to show high credit utilization. Prior to this I had paid down my card under 30 % so my utilization was in a favorable status however they decreased my limit causing my utilization to increase and my score to decrease. I am filing a complaint because their practices are unethical and are hindering me from raising my credit score making my credit history unfavorable to other lenders.
Direct Express has not responded to me about my bank statements. I have called them 3 times, they can not even tell me if they have been mailed. Each time I call they ask me the same information over and over but do not give me any information. These bank statements are needed immediately for an application. They told me it would be 5 to 10 days each time, it has been over 15 days today since the first call and they will only mail them, they refuse to send by email or fax.
Two years ago I responded to an offer from the Lending Club and I took a debt consolidation loan with them. The payments were {$950.00} and at the time it seemed like a good way to quickly pay off debt. Unfortunately my wife became XXXX and could not work. She applied for Social Security XXXX but that takes years to get. Nevertheless, I kept up the payments. Last summer it was becoming very difficult to make the payments and pay for health care and care for our son. 

I contacted the company and explained this to them and asked if they could reamortize my loan and that I would repay the entire amount once my wife 's XXXX award came in. They refused saying that is not something they do. I continued making the payments until I could no longer do so. The outstanding balance at that time was around {$10000.00}. They have sent my loan to collections, after one month, and when I spoke with them, their response was the same " too bad for you '' that I got from the Lending Club. 

I can not comprehend why, given the circumstances, they would not reamortize the loan. Many lenders actually forgive significant portions if not entire loans when XXXX strikes and all I sought was a reamortization.