WillisBack/dataset-financial-user-claim huggingface dataset:
Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXXXXXX XXXX XXXX  XXXX, SC XXXX bear on this situation. I have had an ID fraud Equifax information breach and an inaccurate loan for XXXX came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on Experian. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and XXXX attempted and illegal active service VA loan to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX XXXX XXXX sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.
I am refiling my complaint against United Wholesale Mortgage Company, Case # XXXX as I find their response to be wholly inadequate. Further, I attempted to contact them at the number provided, and it was not working, causing me further concern. They have generically written assurances, without responding specifically to my request that my records be destroyed since I pulled my XXXX mortgage applications. Furthermore, as they claim to be following financial regulations, I would like to have copies of all regulations that they believe apply to my case.
XXXX XXXX XXXX  credit card was sold to XXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to XXXX XXXX. It was XXXX XXXX who settled my account with me, comments on my account should be paid and settled account. Paid charge off.
I transferred my money to an external bank ( bringing my balance to {$0.00} ) and then used the online message center to request that my checking account be closed on XX/XX/XXXX. I received a pop-up after submitting stating : " Thank you for your message. We will make every effort to respond within 2 days ''. A week later on XX/XX/XXXX, I received a message stating : " Thank you for contacting Citizens Bank via email. We apologize for the delay in responding. If you have not completed your request using another method please respond to us and we will work to assist your needs ''. On XX/XX/XXXX, I responded to the message once again asking for my checking account to be closed. As expected, I received the same pop-up about a response within 2 days. Three weeks have now gone by since my most recent message on XX/XX/XXXX without a single response from the bank. Then on XX/XX/XXXX, I received a $ XXXX monthly charge for the account, bringing the balance below {$0.00} to - {$24.00}. Had the bank simply responded within the two days either time and closed the account then I would not have been charged this {$25.00} fee ( and still be waiting for a response and the closure of a bank account over a month after my initial request on XX/XX/XXXX ).
My son has a private student loan that I co-signed on. This loan has been all over the country with different lenders. However when I spoke to a collector they gave me XXXX name that I tried to contact however, they no longer have the loan but it is in Navient system. I have contacted them several time and just found out that what is in their system is wrong and Navient owns the loan. On private loans there is a 12 month forbearance. However, do to illness and hours lost from work I requested a 2 month forbearance I pay {$900.00} a month but I am behind 1 month. I am trying to work with them however, I was hoping to get this forbearance to make life simpler and not so stressful. They stated they could n't. I know that my time is up but helping a loan borrow is always more helpful. 
This loan gets paid off next year. I am hoping you can help me in this situation. XXXX XXXX said to contact you in hopes that everyone could work something out. This a hard company to work with because everyone has a different story to tell me. I am hoping for a forbearance to bring the loan current
I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Experian instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.
XXXX has decreased my credit score but does not properly state why, what bill was late or delinquent or what was added that decreased my score by up to XXXX points!
The company servicing my mortgage loan switched about 9 months ago. According to the current servicing company ; lender live ; notices of the transfer and two missed payments were sent to my address on file. The address was that of the house under the loan and not the house I live at. I never received the notices or any notice from lender live. As a result my payments continued to be sent to the previous service company for two months because it was set to auto pay from my bank. During this time lender live proceeded to report these a delinquencies on both my ex-wife and my credit report. When I noticed that the checks were not being cashed I immediately contacted the previous service provider and they explained the loan had been transferred to lender live. I contacted lender live to determine if the payments had been forwarded and they indicated they had not received any payments. I explained the situation, sent them proof that the payments had been sent to the previous service provider, paid the balance due and lender live opened an internal investigation. According to multiple conversations with various lender live representatives the investigation was concluded and according to the representatives lender live was going to correct credit reports. After following up on multiple occasions over several months lender live had still not corrected the reports and would not return my calls. I filed a complaint with the XXXX and received a response from lender live indicating they " were not '' going to correct the credit reports even though I had been told that they would. I then requested all documentation concerning my account and the interactions concerning this matter and lender live responded that they would not provide the information because it was " proprietary ''. I have also filed a complaint with the FTC. The reported delinquencies could have a very real affect on my personal finances, my job and it has just recently prevented my ex-wife from being able to qualify for a mortgage on what would be her first home that she intended to purchase on her own. I can provide any all documentation I have, including the bank statements, proof of payment, credit report, XXXX complaint and responses, and FTC complaint. Please let me know if there 's anything I can do at this point. Thank you for your time and attention.
I currently have a home equity loan with HSBC Mortgage services. I have had this account for almost 10 years. I use this account to buyer homes and use it for Capital when I need it. I have a long history of paying the loan down and then I draw on it again when I need. HSBC closed out my account without my permission. I never wrote a letter stating I wanted it closed. In fact I received a letter showing a full payoff and closure of my account. I have been calling them since XX/XX/XXXX asking them to re-insate the loan because it was closed out without my permission. Now almost 2 months later, I am put in a financial bind because I need to make a draw. I still do not have closure to this situation and furthermore now I being told as of today that I am past due on my loan. How can this be??? I have a letter stating its paid in full. These people are not interested in helping solve the issue and now they are ruining my credit saying I am late on payments. I am now also going to lose a house and have financial hardship because they closed out my line of credit without telling me and I needed that line of credit. This is now putting me in a financial hardship and they refuse to help me.
Hello my company complaint is in response to Equifax '' s response to my complaint against their company.
I am attaching at copy of the companies response to me from the first complaint that I made.
In their response to me they claim that I was not specific in what my complaint was.
I do believe that I stated in my first complaint that   XXXX   shows up as a " HARD INQUIRY '', on my credit report.
It is a fraudulent inquiry that should not be on my credit report. How specific do I have to get?
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Cause EQUIFAX clearly stated that " The disputed   XXXX   XXXX   account is currently not reporting on the Equifax credit file ''. So they clearly have acknowledged that I was clear on what I said in my first complaint about it.
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EQUIFAX still has not removed the said HARD INQUIRY from my credit report. As a matter of fact, EQUIFAX said that they will not remove the said inquiry from my credit report because they did not receive the said document from the creditor themselves. Which has been the issue all along.   XXXX   has not just sent the said document once to them but twice now and they claim that they did n't receive it. And I sent it once already as well via email that they provided me with. They still claim that they did not receive that email from me. I also attached it to the first complaint that I had filed. They claim they see it in their records but yet still refuse to remove it because it did not come from the company itself.
HINT .... why I filed the first complaint!
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EQUIFAX did make good on updating my name. That they did do, But they DID NOT make good on removing the said HARD INQUIRY from my credit report!!!!
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Here is a copy of their response to the first complaint I filed ... ... ... ..
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Company responded STATUS Company responded on  XXXX / XXXX /2017 RESPONSE TYPE Closed with explanation Company 's Response Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. The disputed   XXXX   XXXX   account is currently not reporting on the Equifax credit file. Your name has been updated to   XXXX   XXXX   XXXX   on the Equifax credit file. Your current address is currently reporting correctly on the credit file. A 90 Day Fraud Alert is currently reporting on the Equifax credit file. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at (  XXXX  )  XXXX .
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( I call this number that they left for my in their response to my complaint and I do not and did not get anywhere with them either ).
I never received this credit card I called and was told the issue had been resolved. Yet the debt was sold to a collection agency.
I WAS TRYING TO GET OUT OF MY TIMESHARE AND WAS CONTACTED BY SEVERAL COMPANIES TELLING ME THEY HAD A BUYER FOR MY TIMESHARE AND I NEEDED TO PAY THEM A CERTAIN AMOUNT BEFORE BEING ABLE TO HELP ME. I TOLD THEM I WANTED TO READ THERE CONTRACT FIRST BEFORE GIVING THEM ANY MONEY BUT THEY SAID THAT I HAD TO PAY THAT DAY OR THE PRICE WOULD GO UP, HOWEVER THEY ALSO TOLD ME THAT I WAS ABLE TO CANCEL IF I DECIDED TO DO SO. I WILL LIST THE COMPANIES THAT TOOK ME FOR MY MONEY ; XX/XX/XXXX XXXX XXXX XXXX- XXXX PAID WITH MY DEBIT CARD THROUGH US BANK XXXX XX/XX/XXXX XXXX XXXX CHECK THROUGH US BANK XX/XX/XXXX XXXX XXXX XXXX CHECK US BANK XX/XX/XXXX XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX CHECK US BANK THIS IS ALL THE MONEY THAT WAS TAKEN FROM ME AND THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK
In  XXXX  of    2016  I had my student loan re-consolidated. The company I had do this service for me was   XXXX   XXXX    XXXX . I had automatic withdraw set up through them where every month {$140.00} was withdrawn through my checking account at  First National Bank. I had received a letter in the mail a few weeks ago from the   Department of Education saying I was late on my student loans. I came to find out the company  XXXX   XXXX   XXXX  was not making those payments towards my student loans. I had tried numerous times to contact them via phone and email. They do not exist anymore and there is no way to contact them. I filed a police report with the authorities. It was determined that there was a total of  XXXX  fraudulent charges towards my checking account a nd First National Ba nk only credited back  XXXX  of them. Attached you will see  XXXX  letters stating the ones that were and were not credited back. This was an obvious scam and I would like the bank to credit back the  XXXX  charges that were not.
I just want to send a letter regarding the bizarre and incredible lack of continuity I have received from Synchrony Bank in relation to a recent ID theft. 

Approximately XX/XX/2015 I sent a fax to Synchrony Bank requesting that my wife be added to my Gap at at Synchrony Bank. 

Approximately a week later I started receiving alerts from XXXX about activity on my account. XXXX is a credit monitoring service. 

I called Chevron/Synchrony and a fraudulent account had been opened in my name. The fraud department representative I first spoke with was named XXXX. He was aggressive and unusually improper with how he handled the situation, he threatened me saying that if I did not give him my mothers maiden name I would be held responsible for all ongoing charges to the new account. It seemed very improper to me so I got off the phone and contacted XXXX for help. 

XXXX contacted Synchrony again and stayed on the line while I went through the process of closing all accounts due to fraudulent activity. I had to speak with XXXX different representatives at Synchrony. XXXX of them were outsourced and very difficult to deal with. 

I then received an email from Synchrony Bank dated XX/XX/2015 that stated my wife had been successfully added to the Gap account. I noticed that the address on the email pdf was not mine. 

XXXX XXXX XXXX, CA XXXXI called Synchrony again and reported the address change. The key here is that the correspondence was regarding the Gap card, but what I know know is that whoever stole the info was somewhere in-between the Gap card request made via fax and the Chevron Visa cards that were created fraudulently. 

The next day I received XXXX credit cards from Chevron/Synchrony Bank with XXXX different names on them. XXXX with my name on it and XXXX with complete strangers. 

I called Synchrony Bank and alerted them to the situation, I spoke with fraud CSR XXXX ID XXXX. She gathered all the fraudulent credit card info, names and address of fraudulent cards and transferred me to the lost and stolen card department to have the account closed. She explained that the account had not been closed previously, the it was indicted that I had contacted Synchrony to dispute charges, not to confirm fraudulent activity. It is untrue and incorrect and your recorded customer service lines will prove that. 

I then received a statement with charges amounting to {$4300.00} and called Synchrony again, this time spoke with fraud CSR XXXX who explained that the account was indeed closed, to disregard all statements of activity and that I would receive a fraud claim affidavit to sign and return and in approximately 30 days a final fraud resolution letter. 

The troubles and misinformation I am having with Synchrony surpass anything I could imagine from a credit company and I have chosen to close my only other Synchrony Bank account which was a Gap account. 
As soon as I receive an acknowledgment from Synchrony of any kind I will open a police report and encourage them to be in touch with Synchrony as soon as possible.
I obtained a copy of my XXXX Report. As XXXX  is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by Lexis Nexis on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
LexisNexis XXXX XXXX XXXX
Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called LVNVFUNDING directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. 

I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, LVNVFUNDING will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.
Account from XXXX from XX/XX/XXXXkeeps being re-aged by debt collectors. I have disputed multiple times over the last few years. The most recent collector has re-aged it for the date of XX/XX/XXXX!!
I recently obtained a mortgage on a parcel of land and an existing house thru Quicken Loans. The land is part of a subdivision and tax information wo n't be available until the next tax roll assessment. Until that assessment is complete, I pay out of pocket to the original owner of all of the parcels, my share of the taxes. What Quicken is doing however is forcing me to make Escrow payments equal to the tax of all of the parcels knowing that the amount is incorrect and significantly overstated. What I am told is that absent having the specific amount for my parcel, they can collect the amount of all of the parcels. And yes they know this is in error and acknowledge that it is in error. That defies all logic.
I have been in contact with this debt collection since day 1 trying to come up with settlement. They have my address and phone number to reach me any time. They garnished my wages a year ago, and I was told I was good with them and the apartment complex from now on. However, the debt collection company called me after I was sent a letter saying my account was settled asking for more money. Then, when I told them that was incorrect and I would not pay, they called my employer. I had made it clear to them that they could not contact my employer before, and I have always made sure they have my contact information. So not only are they asking me for debt that was settled, but they 're also still reporting to the credit agencies that my account is n't settled, and they have attempted calling my employer.
All credit reports need be updated. XXXX  XXXX and Experian. On XX/XX/2018 A lender told me that XXXX XXXX on my XXXX report.
Capital One has refused to acknowledge any payment I have made since the month of XX/XX/XXXX,  and has continuously placed late payments on my credit profile regardless of the balance of any payment arrangement that has been offered. I have contacted the presidents office on more than one occasion, only to be ignored. My account has not been reviewed, nor reported accurately, and when I call in to speak to someone I am given a new reason why another late payment has been reported. There have been errors in customer account handling ad well as credit reporting on my account, which at this point has caused me to seek legal council. I was called in XX/XX/XXXX and told the account would be looked into, to only receive a generic letter stating there were no errors made which was a lie. 
A payment was made on XX/XX/XXXX in the amount of {$100.00} via a customer service representative. I was provided with the confirmation # XXXX. I continued to check my bank account to ensure the funds were removed, but by XX/XX/XXXX, the funds were still there. I contacted Capital One to see what happened with the payment as I had not received any communication from Capital One or my bank ( XXXX XXXX  ) regarding the payment. After a lengthy call with a Capital One supervisor as well as my bank on a 3-way call we arrived at the conclusion the bank had made an error. I immediately paid the {$100.00} again ( confirmation # XXXX ), yet I still received a non-payment placed on my credit profile for the month of XX/XX/XXXX. I made another payment of {$39.00} on XX/XX/XXXX ( confirmation # XXXX ) yet I recieved a non- payment placed on my credit profile for the month of XX/XX/XXXX as well. I am making every effort to effectively communicate as well as pay yet my efforts have been ignored.
XXXX, XXXX and Equifax are reporting a Bankruptcy as a public record falsely. File dateXX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
My wife and I opened a fixed rate Home Equity Loan about 5 years ago. When we opened the account, the two most important terms were clearly confirmed for us, which were ( 1 ) there would be no pre-payment penalty, and ( 2 ) all overpayment provisions would go towards the principal. We have made several overpayments on this loan since it was opened in varying amounts. In XXXX 2016, we made large overpayments. We then received a letter saying, " We want to make sure your money is going where you want it ... '' Later saying, " Right now we are applying your extra dollars to the next scheduled payment. According to our records, you have made loan payments in excess of the required payment amount. Each time you include additional funds in your loan payment, it is our policy to apply the over the payment amount due to the next scheduled payment. This often results in the status of your loan to be considered 'paid ahead '. Please know that we have reversed the payment dated XXXX/XXXX/16 in the amount of {$1000.00} and reapplied it to principal, making the next due XXXX/XXXX/16. If this is not what you intended, please contact us '' I called them and told them the following : First of all, we ALWAYS intended for the additional funds to be applied to the principal and this was clear when we opened the loan. Second, why are we getting a letter telling us what your policy is and then you are changing the policy without any request from us? 
I made this call three times over about a 2 month period. In each of the calls, I spent approximately a half hour on hold and the customer service person could not answer my questions. Each time, I requested that they figure it out and have someone call me back to explain. They have never called me back. 
I have reviewed some of my recent statements and they make absolutely no sense in how they have applied payments to interest and principal.
I have been battling with this company for months. They are a debt buyer and they are trying to force me to pay them for a debt that they do not have any legal right to do so b/c I have never entered into a contractual agreement with them so therefore I 'm not financially or legal obligated to pay them. They are not servicing the loan on the behalf of the orginal creditor and the original creditor is n't trying to collect on the loan.