WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, we had a mortgage with Wells Fargo Financial. On XX/XX/XXXX, we signed a Deed in Lieu of Foreclosure issuing the property to Wells Fargo Financial. The house was subsequently sold to another buyer that year. In XX/XX/XXXX, Wells Fargo reported on my credit report that they had received a deed for collateral in lieu of foreclosure on a defaulted mortgage in XXXX. This could not be possible because the deed was signed in XXXX. I tried repeatedly to dispute the information with Wells Fargo and the credit bureaus. I provided a copy of the signed and notarized Deed In Lieu of foreclosure clearly indicating that the date was XXXX and not XXXX. Under the fair credit reporting act, this should not show up on my credit report at all as I have waited well over 7 years. On almost every occasion, Wells Fargo would act as though they could not find the loan or they would tell the credit reporting agencies it was correct. I became frustrated and gave up. However, I am in the process of buying a home and am being refused a mortgage because of this reporting. Although this was done in XXXX, Wells Fargo has refused to correct the problem. I wrote them on XX/XX/XXXX and explained that I was buying a home. Wells responded saying they would give me a response by XX/XX/XXXX. ON XX/XX/XXXX, I called Wells and was told they needed to XX/XX/XXXX. This will cause me to lose my financing. I explained this to Wells and told them that I had provided everything. They can even pull up the public record and they, as they have always done, showed no care at all. It is a simple 5 minute fix and they refuse to correct it. They explained that the credit bureaus were not reporting correctly. The credit bureaus blame Wells and here I am stuck with something that I did not do. The actions of both parties, but especially Wells, has left me, the consumer, with no recourse. I have a family that includes XXXX children and this is preventing us from being able to have a home big enough to house our family.
We have been trying to get a reasonable modification From SunTrust mortgage over past several years. We did pay three monthly installment payments at one time when they approved us for a trial modification period. All payments we're made and had proof of payment for them, but the modification of the loan was " accidentally  cancelled '' by another department at SunTrust and they said they couldn't reinstate the loan. We were no longer elligable for that type of modification for our loan. We were denied several times, then finally approved. This XXXX we were approved for modification of the loan, but because I had questions about how the bank determined the monthly payment of over 3600 dollars a month, no one had an answer. The loan specialist at SunTrust just kept telling me that " they said that you can pay the 33 %! ". No one could telle 33 % of what, our gross income, net income, life of the loan/debt ratio? And would not allow me to speak with anyone else to explain this. So I was instructed to allow this offer to expire ( XX/XX/XXXX) and then enter a new borrowers assistance packet to SunTrust. So I did. The packet was sent on XX/XX/XXXX and again on XX/XX/XXXX. I called on the XXXX to see if the documents were received and was told that they were reviewing the documents and would contact us within 5days if any documents were missing. On XX/XX/XXXX I received a letter in the mail from XXXX XXXX, Virginia sales stating there was a sale date of XX/XX/XXXX for our home. I contacted the bank ( SunTrust mortgage ) and they said there was nothing they could do and they threw the packet out because it was not complete and it was less than 15 days til the sale of the house. 
We did not receive any notification from the bank or XXXX   XXXX regarding the sale date of XX/XX/XXXX before now. The letter from XXXX XXXX stated that notification was sent XX/XX/XXXX via first class mail and Certified mail. We never received a certified letter from them. They were Double Tracking our loan. 
Thank you
I requested a packet for modification on XX/XX/XXXX. I received the packet today. I completed the XXXX. On Monday XX/XX/XXXX I requested a copy of a demand/foreclosure letter Ocwen 's representative stated they mailed to the wrong address. I wanted this letter to request money out of my 401k to help with a payment plan. I was told on Monday it will be emailed to me. I have n't received it. I submitted RMA packet to Ocwen XX/XX/XXXX for a modification here is what I submitted.
Hi my Name is XXXX XXXX I received a call from capital one 360, he was trying to collect a debt which he said was past due of XXXX or XXXX and last XXXX payments were on time..This is a check debit card the balance is {$210.00} it was over XXXX. this is the first time this has .also he said i was XXXX days behind. i need help. thank you account XXXX the phone where they called from is XXXX.
I disputed an amount with XXXX XXXX in XXXX. They refused and said they would ruin my credit. They then put the amount they said I owed {$82.00} on my credit as unpaid debt. As of XXXX XXXX, a debt collection agency added this debt to my credit as a new debt and has claimed it as late for the last year. This was an old debt, added onto my credit as a new delinquent debt. I found it on XXXX, due to an app I have, and suspect it is also with the other two credit bureaus, but have not paid to receive a copy of those reports yet. This is underhanded ... adding this debt as a new delinquency. 

I contacted XXXX  and disputed the debt and as of XXXX Experian has removed it from my credit report. 

Information is as follows : XXXX Report number : XXXX Account Number : XXXX Company : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX
I was trying to make a purchase with my JC Penney master card and was declined. I called the number on the back of my card and the teller told me that the card I had was cancelled and that a new card was sent out in XXXX 2015. I said I never received it or activated a card and she said after a couple of weeks of me not activating a card the company automatically activates it and I need to report it lost or stolen what??? this is putting my identity in jeopardy and I am furious that they would do this, meanwhile I am trying to make a purchase for a car part and I can not I will have to wait 7 days to receive a new card and to get my vehicle fixed. They should be held accountable for any inconvenience this has cause me and if my identity is stolen they should be held responsible for that as well. When you work hard to establish your credit and someone else takes 5 seconds to put it in jeopardy. I had to use {$300.00} dollars of liquid cash that I really should n't had to use if my credit card worked and was not cancelled and then activated by this company and not me.
I believe there is a mistake with my credit report. There is an open collection account from XXXX ( XXXX XXXX XXXX XXXX ) that was started on XX/XX/XXXX to XX/XX/XXXX. It is now managed by an agency called XXXX. It says I owe {$680.00}. One reason this is impossible is that at the start of this debt, I was only XXXX years old. I was but only a XXXX at high school. I do not recall ever being a patient at XXXX. I have never heard of this place until I opened an account in XXXX.
XXXX XXXX, XXXX has had callers from Washington State calling everyday I block the number a new numbers keep calling. 

Previous Debt Collector XXXX sold the debt. FROM 2003. It is 15 Years old. 

XXXX hides under the name XXXX XXXX  they have the same address in South Carolina Customers Phone : XXXX Fax : XXXX Borrower 's Authorizations : XXXX Contact by Email Correspondence Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Payment Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Overnight Payment Address XXXX XXXX XXXX Attn : Payment Processing XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX Issue Resolutions Office of the Chief Compliance Officer XXXX Compliance Department XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX So the current loop is XXXX XXXX, XXXX - XXXX - Doing business for XXXX XXXX XXXX.
I checked my credit back in XX/XX/XXXX and I found that I had 5 inquiries that I did not give them permission to check my credit .I contacted Transunion about this 4 times and they refuse to reinvestigate my issue and provide a signed contract. I ask them for the companies below : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3.XXXX XXXX  XX/XX/XXXX 4, XXXX XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX
JP Morgan Chase Bank will not refresh their wire system in order for XXXX XXXX to receive wires. We have tried to contact them, but to no avail. The Routing and Transit number of the credit union is XXXX. For over a year, they XXXX XXXX XXXX XXXX has been able to receive wires directly, but Chase is the only bank not cooperating. They send them to a non-existent XXXX party financial institution. Please Help..
I have tried numerous times to get Experian to update my payment history with XXXX XXXX XXXX   XXXX. No one has been able to help me. Can you please update my account as this is affecting my credit in purchasing a new home for my kids. 

thank you.
It has been over two months since we have applied for a refinance loan, and were informed that our loan was pre-approved. Since then we have received several documents with incorrect interest rates. It was suggested by the bank that I open a checking account with them in order to receive the best interest rate of 3.875 %, even though I already have several saving accounts with Union bank. Once I opened the account, they told me they could not give me that rate promised because they had made a mistake. The representative continued to apologize for not being able to honor the rate but that they would find something comparable. I continued to receive more documents with an interest rate of 4.625 %, and numerous mistakes corresponding to my personal information, and was advised to sign them, but I refused to sign incorrect documentation. There were close to ten documents sent to me with incorrect information, and all they could say to me was that it was the systems fault. 
In addition, the first date of closing was suppose to be on XX/XX/XXXX, and fund distribution on XX/XX/XXXX. On XX/XX/XXXX, I had not received the correct paper work, nor had I received a call from the bank representative to let me know it would not close on that day. I left messages for the representatives I was working with and never heard back from them until the following week when I received a second funding date of XX/XX/XXXX. 
Originally, my loan amount was going to be for {$520000.00}, but today I received a call from a representative of the bank stating that they could not give me the amount which was proposed several times on all the earlier documents. The new amount was going to be {$460000.00}. I have two properties that I own, and are paid off exceeding the amount of my loan. I have excellent credit, and several savings accounts with Union bank. 
The appraisal they hired took black and white photos, and did not capture the improvements of my home. It revealed that his work was the work of an amateur rather than a professional appraiser. Thus, the appraisal itself has three different amounts my home is worth with the highest being {$650000.00}. 
I feel Union bank has been discriminating against me, and I do not feel I have been treated as a valued customer who has done business with them for many years. The way they have handled my loan approval is not acceptable, and as a customer I feel they have violated many of my rights as an a senior citizen.
XXXX XXXX XXXX decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XXXX of this year.
I was approved by the XXXX for XXXX XXXX discharging my student loan on XXXX/XXXX/2016. My loan is total {$29000.00}. According to Nelnet who sent me the correspondence asked me to review the student loans that they have on file and check with Navient who XXXX XXXX transferred the loans to them to make sure they have all the loans. I did contacted XXXX and spoke with a representative and was told Nelnet was given all of the loans which is {$29000.00}. Nelnet told me that they will communicate with me. I went on my account for Nelnet and saw another company I am not familiar with XXXX
Debt not mine. It is showing up XXXX XXXX XXXX from a hospital called XXXX XXXX. Please have XXXX XXXX XXXX remove from my Experian credit report. Someone has been using my social security number and they 're a lot coming up on my Experian. It is showing negative. Please have them correct this and have the report updated. Amount is for {$33.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Pursuant of the FCRA, I demanded a detailed explanation of the procedures used to validate accounts being reported by XXXX XXXX XXXX subsidiaries XXXX XXXX and XXXX within 15 days. My request was made on XX/XX/2017. 18 days have elapsed and I still do not have an explanation of how they validated the account. The reason I am asking for an explanation is, I have made numerous attempts to verify this information directly with the company and they have always failed to provide any evidence that I actually owe them anything. I would like an opportunity to review any documentation available from the creditors to determine if this debt is valid.
I was contacted by XXXX XXXX, who stated they were collecting a debt on behalf of One Main, I was advised if I successfully settled the account they would agree to remove it from my credit bureau. I set up a payment agreement with XXXX for 6 payments to settle. Upon attempting to make my fifth payment, XXXX XXXX changed to a different company and stated my account was pulled from them. I contacted One Main who stated the account was pulled, however agreed to complete the settlement, upon advising them the account was to be settled and removed from my credit bureau they advised me this was not a practice they did, and what XXXX XXXX offered they could not. I told them this was not what the original agreement was basically they are breaking the agreement. Due to already making 5 of the 6 payment to settle, I paid the account off and requested someone in their customer resolution department contact me. I received calls from the rudest people totally disregarding what XXXX XXXX offered. I requested they pull the call and review it so our original agreement could be honored. I was advised that XXXX had changed to a new company and this was not possible. 
I am very upset because I kept my end of the settlement and I expect them to do what XXXX XXXX promised. They agreed that XXXX XXXX was representing them so this should be honored.
I have an issue with my Claim ID # XXXX. They are saying that I can only close my account if my balance is at {$0.00}. That is still implying that I 'm accountable for recovering the fraud funds that were processed by the bank, and withdrew by me because of the bank showing false and insufficient funds. I am a customer with Bank of America that refuses to help me as well as I think it is the bank 's responsibility to help me recover the lost funds in my account and track down the scammers of the bad check. I should n't be held accountable for Bank of America processing the bad check and allowing me to withdrawal the large amount from the processed check and depositing it into another account as instructed. I believe it should be the bank 's responsibility to catch a bad check in a timely manner and help their customers in every way possible to prevent this from happening to other people. If you do not have that amount available then the check should not be processed. The fraud department of the banks should do a better job catching these types of scams before they go bankrupt and that 's why they make the consumers accountable.
have a mortgage with XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, Illinois XXXX for a mortgage on a new XXXX XXXX model # XXXX vin # XXXX on XXXX XXXX, XXXX for {$65000.00} interest rate of 8 % for 15 years. XXXX pulled our credit on XXXX XXXX, XXXX then approved us for the mortgage and signed paper on XXXX/XXXX/XXXX for the mortgage but are not reporting to any of the ( XXXX ) credit bureas. I have called numerous times as a resolution and they said they are using a new system to pull credit. 
I have been dealing with this for over ( 8 ) long months. My husband and I have been denied credit due to insufficient credit history, this is hurting our credit vs helping. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX home phone # XXXX. 
we have reported to the credit bureau and XXXX XXXX XXXX XXXX will not respond so they keep reporting back to us as inclusive. 
Please help us. 
thank you the XXXX 's XXXX and XXXX I talked to XXXX at the call center Agent # XXXX on XXXX XXXX, XXXX At XXXX central time zone
I am a victim of fraud identity stole my social security and passport and documents front he closing of my house now everyone is pulling hard inquiries from my credit please help stop this
There is a debt reporting on my account from national credit systems in the amount of {$4000.00} which is not a valid debt. Its a lease agreement signed with an electronic signature, no documentation related to the lease belongs to me clear indication of fraud
I suspended auto-pay on my AMEX account and the notification I received confirming this on XXXX/XXXX/15 gave no indication that this was only for three months. Today, I received a notice that payment was processed through auto-pay to my checking account for an existing balance of {$5600.00}. When I logged into my account earlier in the week, there was no indication that any payment was scheduled or pending as it still is prompting me to make a minimum contribution by XX/XX/XXXX. When I contacted AMEX today, they said that they had my written consent from before and they unfortunately could not cancel the transaction because it had been processed. They reactivated auto-pay without any warning to the amount or what checking account would be debited. All of my recent transactions have been scheduled as one off contributions towards the middle of the month for amounts no more than {$2000.00}. When I suspended auto-pay years ago through AMEX, they clearly indicated in the e-mail that this was only for a three month window. Their notice this time had no such limitation and instead they have changed their website and communication such that key terms are not explicit to the consumer.
To Whom It May Concern, The reason for my dispute is AR RESOURCES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AR RESOURCES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) AR RESOURCES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. AR RESOURCES is held liable as well for defamation and in the state of FLORIDA allows for serious fines .AR RESOURCES is not HIPAA-compliant I fail to see where AR RESOURCES is in compliance with FLORIDA LAW. AR RESOURCES has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!
In   XX/XX/XXXX , it is  alleged b y Fedloan that I m ade a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after Fedloan reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  Fedloan sent  me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one che ck. When I paid the loan off in full in   XX/XX/XXXX  , I made  one paym ent with  one check to satisfy the remainder of the loan. I made one late payment, it should be reported as such. A prospective employer, landlo rd, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contac ting Fedloan and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a hom e has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year  XX/XX/XXXX . I 've been told by landlords my  credit score is too low . When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimina l investigator w ith some organization. I was so excited that someone might be investigating criminal charges again st Fedloan, I   told all my friend s. One said be  careful, figure out who is contacting you. I googled it and found this organization is actuall y Fedloan! Why would Fedloan send a CRIMINAL investigator to contact me without saying they are from Fedloan? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This is far from closed Fedloan.
I applied for the loan but was unable to access the information about fees and the exact rate of interest. I have paid over {$1200.00} already for a {$1000.00} loan.
Most importantly, I am XXXX since birth, XXXX  and XXXX XXXXXXXX, and a XXXX XXXX. it is IMPOSSIBLE for me to contact Navient, because NONE of their phone numbers are accessible to persons who use XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Furthermore, my problems with them began because their loan documents are much too small to read, their " instructions '' are even worse to read and understand, and I had to ask my other XXXX XXXX friend to become my Cosigner for the loan. After I was granted the Cosigned Loan in our about XXXX, I received a Forebearance after I graduated, and Navient NEVER TOLD ME CLEARLY what was the EXACT DUE DATE for repayments to begin after the Forebearance. There is some kind of " rule '' at Navient that the person must make all payments due ON TIME for the first two years, and they will then release the Cosigner. I missed only one payment during the first two years, because Navient did not clearly notify me of the Due Date, BUT SINCE THAT TIME, all of the monthly payments have been made ON TIME. They still refuse to release the Cosigner, and they wo n't permit a replacement Cosigner. My original Cosigner is now XXXX and he wants a peaceful life, but he is STUCK by Navient, and he is very upset, and so am I, This is RIDICULOUS.
Macy 's American Express card limit was decreased for no apparent reason. The card was overpaid accidentally and used to bring the balance back to XXXX. A week later the limit was decreased from {$10000.00} to {$500.00}. This will negatively impact my credit FICO score which is in the XXXX range ; no lates ; with a XXXX % credit usage.