WillisBack/dataset-financial-user-claim huggingface dataset:
Because of long-term unemployment, after " no cause '' job loss, coupled with XXXX and attendant medical bills, I got behind on my mortgage. Servicer ( XXXX ) bought servicing rights from Bank of America, and immediately began sending foreclosure threat letters, then accelerated my loan. Much added to loan balance in the form of " inspection fees '' and " legal fees '', and holding my payments " in suspense. '' We are now at the point of state-mandated Resolution Conference, and application for loan modification. I have examined the recorded documents relative to my mortgage, and find evidence of robo-signing, assignments of which I was unaware, and now, there have been provided XXXX DIFFERENT versions of a " certified copy '' of the Note. This includes an unattached, undated " allonge '' and a double rubber stamped signature by XXXX documented robo-signers. There is no evidence of a Pooling and Service Agreement. Paperwork involves Countrywide, XXXX, Bank of America, XXXX, and XXXX. 
Something is not right. It appears that XXXX, the entity claiming ownership of Note, in fact, does not. 
I have received XXXX denials for loan modification, as well as an offer for a " trial modification '', followed by another denial for the same loan modification which was offered. These have all come via mail from the Servicer in a three-week period. 
The next Resolution Conference is scheduled for XXXX XXXX 2016, two weeks after my " deadline '' to accept the modification terms.
I contact ed Wells Fargo  Card Services, Credit Bureau  Disputes Division , via phone #  XXXX  and fax #  XXXX  to report that an account I voluntarily closed in  XXXX  had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided t o WF. Sinc e the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until  XXXX . On contacting the CRAs, I was told th at Wells Fargo instr ucted them to delete the record. I conclude that WF mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute.   Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the join t LOC i n  XXXX   XXXX  ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around  XXXX   XXXX .   For ov er 6 week s in  XXXX  and  XXXX  I worked tirelessly wi th Wells    Fargo to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old   credit report that showed a truncated loan number.  XXXX   XXXX   XXXX , a  Wells Fargo employee at the banks credit card executive office calle d me around  XXXX   XXXX  to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number,  XXXX , for my use in making future inquiries on this matter.   I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report.   It is my opinion that WF does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!
This compliant is regarding numerous letters mailed and faxes to Transunion, XXXX, and XXXX Credit Bureaus since XX/XX/2017, I have kept documentations on when letters have been mailed and when they have been received by Transactioins. In these letters I disputed very old accounts that contain concerning information which is not correct and it is affecting my credit report and score. I disputed the accuracy of account # XXXX from XXXX XXXX  and the three accounts with XXXX XXXX accounts # XXXX. 

These items are in violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ), I have never owed this company and wrote Transunion, XXXX, and XXXX  about its accuracy and why it is appearing on my credit report. I have not heard anything from them and asking for proof to show which has been continually ignored and not provided. I have also repeatedly asked for evidence to support there reporting and their method of verification and they have failed to comply accordingly.
the credit agency XXXX, Equifax and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.
I worked with Loan originator XXXX XXXX, NMLS XXXX with VanDyk Mortgage in XX/XX/2018. 

My husband and I were in the market for a new home, but was contacted by XXXX to assist in a credit consultation offered by her mortgage company. She asked for our financial information so that she can pull our credit report to assist us with credit repair BEFORE we put in an application for a mortgage. However, NO loan application was consented or submitted at the time of our initial discussion and fact finding session. XXXX has not spoken with either my husband or myself since the initial conversation, which we had over the phone and a follow-up email in writing. 

A few weeks later in XXXX, I received a letter in the mail that stated that we were denied a mortgage loan. XXXX had submitted a loan application for a 30 year mortgage that WE did not consent, approve, or even know about. She UNETHICALLY submitted an application for my husband and I based on the information that we gave her unbeknownst to us. She should be barred from practice, as it is against the law to submit ANY loan application without the consent of the borrowers, which we did not give. 

My husband and I had NEVER intended to apply for a 30 year traditional mortgage. We were looking for a VA loan, and the term were never discussed. This is further proof that XXXX processed a loan application OUTSIDE of our approval.
We were charged interest and fees in the amount of {$46.00} in XXXX 2015, because American Express stated they did not receive our scheduled electronic payment. Upon further investigation with our bank, XXXX, it was discovered that indeed they were paid the full balance on the scheduled due date of XXXX XXXX, 2015. I contacted American Express ( XXXX ) and spoke with a customer service supervisor, XXXX, who refused to credit our account because I did not contact her earlier, they have a XXXX month time frame.
I contacted Navient to let the, know I was unable to make a payment on my loan, and to see if my pay could be lowered or deferred. They placed me on hold, and the young man came back and said that they saw someone else been making payments on the loan as well. He said that I was unable to get it deferred. They stated that I would have to make arrangements with my co-signer to split the payments in half.
Bank of America closed a keep the change rewards savings account that I had for a few years. Seems like they were being discriminatory and retaliating after I filed a Chapter XXXX Bankruptcy. The bank claims to have sent a letter in the mail however, I never received a letter stating the account would be closed if there was n't a {$25.00} minimum balance. Then a branch manager felt it was closed due to inactivity. Although, there 's regular activity because it is a keep the change savings. On Friday, XXXX XXXX, 2016, I deposited a check in the amount of {$800.00} via the ATM and Sunday went to withdrawl the money to pay my house note. The account showed up via the ATM but nothing appeared on the balance. After hours on the phone, I managed to get a claims rep to complete an XXXX, Claims Dept re : ATM Error Claim to locate the deposit and transfer to the primary Checking.
I have a mortgage through Wells Fargo i took out in XXXX and was rate modified in XXXX that has a PMI of XXXX attached to it. On there website it clearly states that when the LTV ratio hits XXXX % the PMI is dropped from my monthly payment.Also on their website, they have a tool that monitors your loan to value everytime you make a payment. I monitored my payments and in XXXX my loan to value ( LTV ) ratio hit XXXX % i contacted Wells Fargo about dropping the XXXX from my monthly payment. They said they would review the loan and notify me.Instead of lowering my payment they said my loan to value was now XXXX % and i would have to continue to pay the additional XXXX a month.
I have a unverified account from Aargon Agency. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I request that Aargon Agency Cease and Desist all further communications. Aargon Agency needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
I recently reviewed my credit report and notice several errors. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the information validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( never validated the allege debt ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with the county nor have they provided legit documents ). There are several unauthorized inquiries reported to the Credit Bureau. I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent Equifax a notice to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.
I have this credit card, continental finance, that was opened in XXXX and its listed on XXXX under 2 different names. The names are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. While on XXXX and XXXX its listed as XXXX. I wanted to know how could I go about fixing this issue and if the credit card could report my status, because its showing the last update was in XXXX.
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX
BETWEEN XX/XX/2018-CURRENT I HAVE REACHED OUT TO XXXX, XXXX   AND EXPERIAN TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.
I contacted this company about why my interest rate went from 19.99 % to 29.99 % without notice. first they said that is my interest rate. when I replied by secure mail on Citi 's website, on XX/XX/XXXX, they replied that the current rate is plenty APR due to a missed payment. I then replied that I have never missed a payment nor have been late in payments. I then replied ; Please send me proof of the missed or late payment. They replied ; We show a missed payment in XX/XX/XXXX and referred to the terms and conditions my account will stay in penalty rate for 12 months if I do not miss a payment or late on payment. I replied ; ; That if I did miss a payment in XX/XX/XXXX, it is now 18 months and my interest rate remains at 29.99 % I also informed them that I will not be using their product and will be paying off the balance and closing the account. I have not received a reply since.
I am receiving debt collection calls every day from PayPal Credit to pay a debt that I incurred when making a {$3000.00} charitable donation through PayPal. The donation was intentionally made on XX/XX/2017 and was not fraudulent. However, I have been disputing the nearly {$500.00} in finance charges and fees that accrued during a 6-month XXXX percent interest period and that continue to accrue while I work towards a resolution. The current balance is XXXX. I have spoken with PayPal Credit 's disputes department and, as suggested by the disputes department, written a letter to PayPal Credit to try to resolve this. Their responded by email and said that their review was completed, but offered no other explanation. In reviewing my balance since then, no finance charges have been removed and new finance charges and fees have accrued. 

I am disputing this because I never intended to use PayPal Credit to make the donation. As is always my intent, I intended to use the credit in my PayPal balance. I presume that I may have accidentally used PayPal Credit since there is hardly a distinction on the PayPal app between the two.  They use almost the same logo and " PayPal Credit '' sounds exactly like it is a credit on my PayPal balance. 
This is the first and only time that I have ever used " PayPal Credit ''. After asking about my history with this line of credit they informed me that they used to be called " XXXX XXXX XXXXr '' and that I opened the account at a time when they were still using the name " XXXX XXXX XXXX  ''. At some point, they switched their name to " PayPal Credit '' and kept my account open, which explains why I did not even know that I had a line of credit with PayPal Credit. 

I suspect that part of the reason why they changed their name and logo to mimic that of PayPal the service was so that they could mislead customers into using PayPal Credit thinking that they were actually using a credit on their PayPal account.
On XX/XX/XXXX my card was copied and used at an ATM to deposit XXXX {$500.00} checks and a withdrawal for {$200.00}. I saw these transactions the next morning on XX/XX/XXXX and immediately called because my account had been closed due to the fraudulent activity. I was told that the deposit and withdrawal had been declined and that they would reopen my account. The next morning on XX/XX/XXXX I see that the deposits had in fact bee removed but they had gone ahead and approved the {$200.00} withdrawal even though there were no funds in the account and knowing full well that the account had been compromised because it turns out that they reopened the card the day before when they deactivated my account after having spoken to me. It is now XX/XX/XXXX and my account is still in the n fatigue because they are declining my claim for fraudulent activity because " a debit card transaction can not be fraudulent ''. I was told for two weeks of daily calls that they were going to get this claim taken care of and the account credited for the {$200.00} but kept blaming their inability to do so on an " international glitch '' that was allowing me to see the credit. I have been hung up on at least a dozen times, called stupid, transferred to other departments in XXXX so I do n't understand and I can not get anybody to help me.
I have been calling equifax for over 2 months now trying to receive a revised copy of my credit report from the disputes that have been completed confirmation numbers # XXXX, # XXXX, # XXXX, # XXXX. I have n't received the confirmation by mail and I keep being told when I call they have mailed the letter and it will take 7-10 business days!
Re : J.P. Morgan Chase/formerly Washington Mutual Loan No. : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX 've had a mortgage loan on a rental property with Chase/WAMU since XX/XX/XXXXChase unreasonably delayed the modification to take advantage of the fact the property had equity in order to continuously charge late fees and gain additional interest that accrued during the delay. 
I quickly provided all documentation requested and quickly responded to all phone calls. However, from the beginning to the end to the process, Chase took more than a year to make a decision. To justify the delays, the underwriters would repeatedly ask for documents that I had already provided and repeatedly asked for explanations of matters previously explained, to justify giving itself another 30 day period to decide. Still I cooperated. I sent letter after letter providing duplicative documentation and duplicative explanations and advising them of so in writing. When it looked like a decision could not be avoided, the underwriter would state that the appraisal on the home expired, and they would have to get a new appraisal and then update other documentation. Then they would again ask for documents they already had, repeatedly, in order to give themselves another 30 days. This happened repeatedly during the process. Finally, in XX/XX/XXXX, they denied the modification. Coincidently, they failed to properly address its letter to me so that when I actually demanded and received a copy of it, I had little time to appeal. I appealed nonetheless. Chase denied the appeal. They recommended that I reapply with updated financial situation. 
I reapplied in XX/XX/XXXX. I quickly resubmitted all the documentation and explanations. Again, Chase would repeatedly ask for clarification on matter previously clarified and documents previously submitted. They continued to delay a decision until XX/XX/XXXX. Incredibly, Chase again mails me the denial letter improperly addressed, assuring it can not be delivered. When it finally resends it to me by email, upon my request, I have only few days to file an appeal. Worse, the representative essentially states to me that " the investor '' does not modify rental property. If this is the case, why did Chase not advise me of that fact immediately upon filing either request for modification? Now the arrears are too large to manage. Chase will not spread it out during the remaining terms of the note. But, because the property has equity, it assures that even in a foreclosure, they will have earned additional interest and almost two years of monthly late fees that could have been avoided but/for its delay. The practices employed here by Chase are deceptive, unfair, unreasonable, in bad faith, and aimed to have people waste their time, loose their property, while Chase benefits financially by its conduct and its unreasonable delay. It has no problem properly addressing letter asking for payment of all fees, requesting deed in lieu of foreclosure, etc. If you agency needs a representative to bring further action against Chase for similar misconduct, you can count on my full cooperation.
There is a 30 day delinquency reporting on all 3 credit bureaus. I 've spoken to 2 different agents within the credit department in reference to the delinquency. They assured me that this derogatory information would be remove due to an error in the delinquency reporting. It has been over 4 months and the late payment delinquency has not been removed. I 've been an account holder with the particular company for a long time and have been in good standing until this error which was not in my part.
According to Equifax 's website, my information, including SSN, DoB, Address, etc., were stolen from the data breach.
This is th e 3rd ti me that equifax released my credit information to companies fraudulently and when told that it was fraud they refuse to remove it. My credit has had  XXXX  inquiries from   XXXX   and  XXXX  from  XXXX .  XXXX  will not remove it unless there is a police report. The point is equifax was the that refusing to investigate and remove the fraudulent inquires.
I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link. 
1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide Equifax. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.
This is the 5th attempt to contact Experian, and my 2nd complaint with the CFPB regarding misleading, incorrect information on my credit report and Im starting to become emotionally stressed by the fact that Experian isnt reasonably investigating and fixing this matter.

According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX ( Account : XXXX ) be reinvestigated and deleted from my credit report. Please delete this misleading information and supply me with a corrected credit report within 30 days. If for some reason your company fails to reinvestigate, I will be compelled to file a complaint with the FTC. You have not given me a detail regarding your method of verification and you still have yet to provide me with any original documentation that verifies the accurate reporting, validity, and ownership of this account. 

I have attached a copy of my XXXX credit report in order to show that this account has been deleted. XXXX conducted a reasonable investigation and subsequently deleted the account due to it not being 100 % verifiable. For the 5th time, I am demanding that Experian do the same. 

Please note that I will be closely monitoring my credit report and fully expect this to be resolved within 30 days in compliance with the FCRA.
This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX as a result of not being my debt. The account balance of the debt is {$990.00}