WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX I applied for my first mortgage with XXXX and this was my now ex wifes second mortgage due to her bad mortgage decision for the townhouse in XXXX and multiple debts. The mortgage was about XXXX plus I had to get a loan from my bank for an extra XXXX for the extra debts, etc.
We separated XXXX, divorce final XXXX. In the decree the judge said that she had until XXXX to refinance or sell the townhome. She was not allowed to extend any more further debt or new debts in my name. And was solely responsible for any and all responsibility for the property and she had to show me the property note and once she proved that it was clear, I would be released from the deed.
By XXXX, she drove 2 hours to a different XXXX and had a loan modification approved, extension of terms from 30 years to 44 years, was given a advance in the amount of {$25000.00} that is now a deferred balloon payment.
She 's also filed and forged my signature on tax returns to claim the mortgage interest that was in my name alone without my permission or knowledge plus used my information to receive tax information for loan modification and hardship application just recently as last month.
I have not received any information on the application or the fact that it was done and done against a permanent court order. I have no idea what information was used in approve the request for modification and I never signed anything.
Plus she 's not paid escrow, property insurance, nor real estate taxes. I was garnished up until XXXX then the 3rd mortgage lender paid her debt of almost 9,000.
She also fraudulently filed a claim for hurricane damages citing 4 months of damage and hardships. Her property was barely touched and the mortgage company released XXXX to her for the claim for damages.
On top of that, she 's had a note loan on the property that she keeps getting refinanced. This last refinance was for XXXX, before that XXXX and before that XXXX.
For most of my life, I 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and the negative source who is saying. And to keep responses and when it was sent.
I have tried to escalate this account to the Collection Agency as well as the Collection Reporting Agencies with no success. 

I have been a victim of Identity Theft and have tried to clear the harm caused with no success. I have opened a case with the Federal Trade Commission ( Case XXXX ) as well as the XXXX County Police Department ( Police Report XXXX ) as well as the XXXX Police Department.
I have a auto loan with bbva compass. I have made my car payment each month, sometimes a few of them have been late but i have always made them. I do not dispute the late fees for these times but i do not think it is fair that they charged me a per diem each day the late fees went unpaid. I spoke to someone recently who told me the charges were now {$230.00}. I paid the fee and now Im in the red with my bank. I started thinking and asking questions then. I called again and a woman was able to tell me of 2 late fees of {$16.00} each assessed on XX/XX/XXXX and XX/XX/2018. She informed me that there was a per diem charge associated with nonpayment of the late fee. I believe this is a violation of Regulation Z, pyramiding of late/delinquency fees.
My FHA Mortgage servicer, Carrington Mortgage Services, is refusing to review my complete application for the Making Home Affordable Programs siting false giudlines that I can not apply for a review without estranged ex-wife 's income. They have advised the only way to get a modification review would be to fraudulently inflate my affordability by including her income on my application for this federal program. I have sought out the assistance of a third party and we have made multiple attempts to escalate the request within the line of business. However ; my servicer continues to direct me away from applying for HAMP instead directing me toward the unattainable reinstatement or assumption processes. I have had a document-able, short term, hardship and now have the ability to make mortgage payments. I also have the desire and commitment to maintain my home-ownership. The staff has been rude, uninformed, overbearing, condescending and confrontational. Due to the level of service I 'm becoming increasingly convinced this is a predatory tactic to foreclose on my home.
hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation XXXX included with showing a late everything i sent to everyone XXXX breach has cost me my life
NYS has sent me a letter stating that the tax lien for {$530.00} is being vacated and withdrawn. They stated by sending this letter, the credit agencies are supposed to delete this from my credit report immediately. XXXX and XXXX have been very helpful and deleted the judgement with no problem. Equifax is making this difficult and not deleting it from my credit report. I disputed and sent the required documentation on XXXX XXXX, 2015 and on XXXX XXXX, 2015 they stated its showing satisfied. I highly doubted they went to the NYS courts to verify in less than one day. I spoke to a supervisor and he stated he can not delete it. They are making up all kind of lies stating it has to stay on my credit report for 7 years. The lien is vacated which means it does not exist. 
This is causing me stress as I am trying to get a mortgage and I need this deleted off my report. I fought hard to get this vacated by the state and they did me a favor by doing it.
I have a report debt of XXXX $ that I 'm not sure where it 's coming from. I 'm looking to contact and speak with somebody that can help me figure this out and fix this problem
I have been writing every 30 days to Transunion and XXXX about a Bankruptcy that is showing on my credit and i have wrote XXXX  and it was removed but stills appears or other too I have wrote UNITED STATES BANKRUPTCY COURT in XXXX fl and they did send confirmation that they do not verify and the credit bureaus keep saying they have verify with the bankruptcy department this bankruptcy is not my account I will include letter from bankruptcy department and XXXX  report showing bankruptcy been removed
On XXXX/XXXX/2016 at about XXXX, I met with Home Mortgage Consultant XXXX XXXX, of Wells Fargo Bank at his office at XXXX XXXX XXXX XXXX, XXXX, CO XXXX regarding a refinance of a house I own. 
I Provided hard copies of documents requested and made a payment of {$790.00} via a Wells Fargo debit card from my account with them. 
Later that night I discovered that I was able to get an additional loan via my current VA certificate and a refinance was unnecessary. 
I called XXXX XXXX the next morning and cancelled the refinance. XXXX XXXX was very understanding and stated I would get all monies refunded. 
After not seeing anything credited to my account by XXXX/XXXX/2016, I sent an XXXX mail to both XXXX XXXX and his manager a XXXX XXXX XXXX inquiring as to when I can expect to receive my money back. XXXX XXXX replied that a refund was approved on XXXX, however it takes time, and should be credited " Any day. '' As of todays date I have received no refund and believe that with todays technology a refund should not take three weeks or longer! I have an account with them, they got the money from me in seconds! Yet I should wait up to a month for them to refund? This seems quite wrong. 
I XXXX mailed both XXXX XXXX and XXXX XXXX again today and have yet to get a reply. I do not know where the problem lies exactly, as XXXX XXXX and XXXX XXXX have seemingly been vey helpful.
THE XXXX SOLD MY ZOMBIE DEBT TO UNITED DEBT HOLDING, LLC AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR. 
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT. 

SEE ATTACHED.. 

E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXXXXXXXXXX )
Sunrise Credit Service is collecting for XXXX. When I first heard from them I asked them for information about whatever bill they were collecting for because I wasn't aware of any balance due. I asked them again and again for validation of the debt but their only focus was to collect the bill they claimed I owed. They hounded me and I caved in and paid when they said they wouldn't put it on my credit report if I paid it immediately. They put it on my credit report anyway and never would validate or clarify the debt.
Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXXbut it hasn't been updated since XX/XX/XXXX.

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
We have been in touch with Wells Fargo directly and also through your system. 

We have Conformation # XXXX for payment on XXXX/XXXX/XXXX for {$XXXX}. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that Wells Fargo had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - Wells Fargo bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from Wells Fargo saying they received payment with correct full routing number and correct last four of our account number. Note from speaking with representative telling my husband that Wells Fargo just did not process. 

We were contacted by Wells Fargo saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my husbands. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help Us, XXXX & XXXX XXXX
There is a fraudulent collections account that Experian refuses to remove from my report. I asked them to investigate on XX/XX/XXXX. They wrote back a few days later claiming that the account was " verified ''. However, they refuse to tell me how they " verified '' the information with the collection agency. I know for a fact that Experian DID NOT CONDUCT AN INVESTIGATION into this account because I contacted the collection agency directly and they told me Experian did not contact them to discuss the matter. In addition, that collection agency could not provide any legal documentation whatsoever that proves this account was mine. 


EXPERIAN IS LYING. They say they conduct investigations into fraudulent accounts but they do nothing.
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX XXXXXXXX : I am no longer liable for this account. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account.
I submitted a complaint to the CFPB ( complaint number XXXX ) on XX/XX/XXXXbecause TransUnion failed to respond to my dispute letter I sent them on XX/XX/XXXX. Yesterday, XX/XX/XXXX they respond to the complaint and said that they received the letter on XX/XX/XXXX and started an investigation into the disputed items and contacted the source to advise them of my dispute. On the response, they said that they completed the investigation and the disputed information was verified or updated accordingly, and on XX/XX/XXXXthe results were forwarded to my current mailing address on file but they were returned to them via the USPS. ( I attached a copy of the complaint response ) So, they said that they did received the dispute letter, they did investigate my disputed items but they send the results to a wrong address. TODAY, I received a letter from TransUnion ( I attached a copy of the letter as well ) saying that " they were unable to process my request ( the dispute letter they received XX/XX/XXXX ) because they were unable to determine the nature of my request or my request was illegible. SO, that means TransUnion lied to the CFPB because they responded on the complaint that they did complete the investigation and forward the results to a wrong address. Now they are telling me they didn't investigate. This is illegal and it has to be corrected ASAP.
Company stated they are attorney backed. Company sent lawsuit threatening letters to a creditor we have never had business with. Company sent this same letter more than once to creditors - one creditor filed suit due to still being within statute of limitations. 
A company that is attorney backed should have known statute of limitations and should have advised us this could happen. Company stated we would NOT have a charge for XXXX - have voicemail to verify this. As of this date - no refund for the XXXX charge has been made. Company states they go above and beyond - we couldn't get a return phone call nor email until AFTER we advised we would be filing complaints with every agency that was pertinent to their type of company. 

We requested full refund for lack of due diligence on their part - as of this date - NO response other than to be disrespectful and rude.
I agreed to accept a credit card from my employer Wells Fargo a year ago at 0 % apr. No interest was charged at that time. I had XXXX credit at time of application, so was not a credit risk at all. It was not clearly disclosed that the 0 % apr was introductory and the actual interest was 21.15 %. I only discovered this when I ran up a balance of {$9500.00} and discovered my monthly payment would not cover the $ 170+ monthly interest payment. I called several times and wrote a letter to ask help with the interest rate showing that I could never pay this card off at the predatory rate they had given me. I was refused any kind of forbearance or help of any kind. I paid off the account recently by mortgaging my car. I believe that the failure to CLEARLY disclose the exorbitant interest rate and that the 0 % was introductory was predatory lending.
I am appalled at the response from my complaint #  XXXX  in which you claim to have verified the bankruptcy on my file with the verbiage "   XXXX   has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United S tates Federal Bankruptcy Court '' I would love to know how that can be. You did NOT conduct an investigation into this and neither did your third party   XXXX   XXXX . The bankruptcy court does not furnish nor verify with anyone without a court order the contents of the bankruptcy. A person sitting on a computer looking at a website is NOT verification.     If in fact there was an investigation, please provide your method of verification, with whom  at the County Clerk you spoke  and the time and date of the verification. A verification means it can be subpoenaed in a court of law. I am certain that this was NOT done. I know this because I personally went down to the courthouse and verified with the clerk herself that this method does not follow the guidelines of the FCRA and FDCPA which you are in violation of here.     I have suppressed the date from being reported by YOUR third party vendor who you claim made this verification. So, if the third party suppresses the information, then how on earth can it report and verify to you the information is in fact true? This means either you or your third party vendor could not be bothered to rectify my complaint and just dismiss me without any viable proof other than your statement that the information is true and just.     Without proof, there is no court on earth that will " take your word for it '' because a third party vendor decided not to do his or her job.     I am sick and tired of writing complaints and letters and pleading with you that I face bodily harm while this information is reporting on my credit file. If anything happens to me, my next of kin will be ready to testify that your negligence will be held responsible for any harm that is inflicted on my body or person. They will sue for the maximum possible punitive damages again st you. See attached court  case.     Please remove the unverified and falsely reported and suppressed bankruptcy from my credit report.
In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a  job offer. Proceedings were made with the Banco Popular of Puerto Rico to verify how the car that the bank could finance me move to there. The Banco Popular did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.
XXXX lease had system errors in XX/XX/XXXX and XX/XX/XXXX causing statement to be incorrect due to credits to customers accounts that never occurred. So XX/XX/XXXX and XX/XX/XXXX statements were asking for incorrect payment amounts, lower than actual payment. We were unaware of this and made on time payments based on the statements received. In XX/XX/XXXX, XXXX contacted me via phone asking for payments on the delinquent balance. I asked my wife at same time and she confirmed all payments have been made via online banking. XXXX asked for proof so we sent them proof of payments for payments made since XX/XX/XXXX. I sent them the proof within a few hours and did not hear back from them until a few weeks later and again they were asking me for delinquent payments. I told them I sent in requested documentation that established this. They stated it wasnt good enough proof and wanted certified copies. Took a month or so for them to accept and actually find the money we paid because the money we were paying during those months were not being credited to our account. Also, they now admitted there was a system error and finally came clean about it as that was the first we time we had heard of it. We finally understood the situation and paid the remaining balance for the " partial '' payments in XX/XX/XXXX and XX/XX/XXXX. XXXX incorrectly reported to my credit that two payments were late and later extended that to four months. No late fees EVER  charged as they admitted their error and they were reporting late payments when there was clearly a dispute occurring as we felt we made the payments based on what XXXX sent us. In every statement to that point there was never any induction that any money was owed, no late payments showing and under the section of " Past due '' the amount was always sowing ZERO. We had no indication that something was wrong and even during the process of having XXXX explain to us, they were not forthcoming with the information initially. I also asked XXXX of the supervisors early in the process about having this effect my credit and he stated it wouldn't because this was a system glitch on their end and they are taking care of it. Have tried multiple time for them to report correctly and they refuse. I get multiple different stores that they will fix and then they refuse to remove. Multiple times I have talked to XXXX and on the recorded phone lie one manager states its an easy removal because it was their error and I will receive a letter stating that but one never arrives. I call back and find out they have denied and the reporting will stand. This has caused me to lose my refinance on my home. I have explained to them its being reported in error as there was a system failure on their part, which they have always agreed occurred, but wont budge. I ask them if my payment was late why were no late charges incurred and they have no answer. One of the supervisors I spoke with told me no late charges would be filed because of their error. I just get the runaround and never the same answer and they never do what they say they will like send me communication.
My name is XXXX XXXX and I didn't authorize none of these companies to run my credit for any car I doesn't have no car I haven't tried to go get a car I see the companies ran my credit without my permission plz help me get my credit back right thanks ...
Capital 1 approved my application for a credit card, but wanted {$99.00} down. I gave them {$100.00}. I used the money and then I would put it back. After a couple of months, I decided I wanted to raise my deposit to {$200.00}. I put {$200.00} on the card and used it, then after the reminders to put more money on the card, I told them I did n't want the card anymore and I closed the account with a XXXX balance. 
Now I am being harassed XXXX times per day, EVERY single day including Sundays. They do n't care if it 's early in the morning or late at night. They call, and call and call. 
I tried to settle this out with several reps, but they all say the same thing. I have to give them money. Why? It was my deposit and if I choose not to use their card, and I no longer want the card, why are they forcing me to keep this card and saying I owe them? My account was at a XXXX balance when I closed the account. 
I recently received an invoice that says '' your acct has been suspended ''. What 's up with that? I CLOSED my account and nobody seems to want to hear me. I do n't want the card. I decided that I did n't want this pre-paid credit card, and now they are taking me through a lot of aggravation, especially the non-stop calls, after I told them I am not going to pay another cent, I cut up the card, and want them to stop calling me. This is MY deposit they want, and I have the right to not put another deposit down if I do n't want the card, right?