WillisBack/dataset-financial-user-claim huggingface dataset:
As part of a divorce and bankruptcy proceedings in the Fall of XXXX, i notified XXXX XXXX XXXX that XXXX XXXX needed to be removed from the account before she filed for bankruptcy in XXXX of XXXX. Since i was no longer responsible for this account per the divorce agreement, this account was not included in the bankruptcy. I was sent a form, which my ex husband and i filled out and returned prior to her bankruptcy proceeding. 

Following the discharge of her bankruptcy late last year, I pulled her credit report. i informed my ex husband i was still on the account. During XXXX and XXXX he incurred several late payments, before paying the entire balance in XXXX XXXX The account is still reflected on my credit bureau along with the late payment behavior from my ex husband. 

My ex husband called on this initially in XXXX and was directed to a department that said this would be handled. He was told that it could take 30 days to correct. At this time nothing has been corrected. He called back and was told that they ca n't even transfer him to the correct department due to the fact that the account has been closed for too long. I was directed to address correspondence to this address. 

Barclays responded that there was not an error in reporting. They purposely have ignored court documents specifying i was no longer responsible for the account. This was communicated to them in XXXX, followed up in XXXX and then again in XXXX when i realized it was never corrected. 

i am a single divorced female with children trying to reestablish my credit after bankruptcy ( which was discharged in XXXX XXXX and should be removed from my bureau in XXXX XXXX - 7 years after filing ). The delinquencies from the credit card account i am referencing are leading to higher interest rates and increased auto insurance rates. We followed Barclays request for information and they have intentionally ignored court documents indicating i am no longer responsible for this account. I could have easily included it in the Bankruptcy in XXXX and not been responsible for the account but due to the legal documentation in the divorce papers it was not included. 

if you need divorce documents please contact me.
Navient provides inconsistent, and incorrect information associated with the income based repayment plan ( IBR ), refuses to accept documentation for the annual renewal of the IBR plan, and withholds correspondence in regards to IBR plan until after deadlines have passed. This is the second year in a row that annual renewal of my IBR plan for loans serviced by Navient would have ended due to these issues. It required contacting and requesting processing of IBR documents several times, along with Navient demanding multiple re-submission of IBR renewal request and documentation, and the request was not accepted or processed until after the submission deadline had passed.
I had not known that the fraudster over at IDA had changed companies to XXXX, and as such I have been unable even through the CFPB to insure that the Freeze that was in place while IDA was handling my case was still in effect when XXXX took over. However I have been unable to even receive verification of this, and even XXXX of the CFPB asked me to obtain this and I AM UNABLE TO DO SO. This is a clear violation of the law.
I called to get my monthly payment reduced as I am currently not working - was given the option for forbearance. Decided to only do it to ONE of my loans as i could afford the payment for the other. They put the incorrect loan in forbearance therefore making my account past due as I was under the impression I did not need to make payments on the larger balance loan.
I was forclosed upon on XXXX XXXX, XXXX, so this is not a current loan situation. I did n't know about your bureau during the time I was trying to work with my mortgage servicer. Beginning in XXXX I applied several times for a loan modification with my then mortgage servicer, IndyMac. I was turned down XXXX to XXXX times. I lost {$1400.00}. a month income in XXXX and had not been able to get a job plus was unable to work a full time job and at times a job at all due to being XXXX. I had not gone through the state XXXX process since I was still collected spousal support. I was trying to better my life, so that I could work at something and get more income to support the house I bought in XXXX. I know now that I was maneuvered into bad loans and that I was qualified to buy a home that I really did n't have the income to support. The person who brokered my loan did not work in good faith with me and in fact took advantage of the then laws or may have broken some to get me into my home and collect allot of money for doing so. At the end of XXXX, my loan was sold to Ocwen Loan Services and I began applying for modification help with them. I was never approved with a final reason being " they do n't give modifications ''. Finally I hired Real Estate professionals to help me get approval for a short sale, which originally this Company said I qualified for. After several Real Estate pro 's and XXXX well qualified buyers the Ocwenb Company tuned down my application for doing a short sale or a sale in general. I lost the buyers ofcourse. During the XXXX, XXXX and XXXX of XXXX, the value of my home had climbed and I could have gotten at least approximately {$50000.00}. 
from a sale of my home. Instead my home went into foreclourser and left my possession on XXXX. 

It cost me about $ XXXX to buy the home. I put approximately {$55000.00}. in upgrades in as well as paid some money on principle and mostly interest only. I am XXXX and this is a huge gouge into my future ability to live. I may have been duped on buying this home and ultimately I made the decision on the loans, but I was taken advantage of. Then a mortgage crisis comes along and finished me off as it did on so many people who did nothing wrong and lost homes, jobs, investments at older ages. 

This whole situation is a travesty and I believe the mortgagees, owners of our loans should have had to make each and every home loan situation work because they, and their whole industry caused the problem we suffered for. I would like help in re-cupping money lost, at least what I would have gotten in selling the house, myself, in XXXX. I think that is the most fair outcome of this horrible event.
My name is XXXX XXXX XXXX. I have been paying XXXX XXXX XXXX XXXX XXXX for over 10 years on my home mortgage. I found out through a XXXX XXXX XXXX who have been my mortgage assistance loan officer on XX/XX/XXXX, that Bank of America holds my mortgage. This is the first time in almost 18 years that I been living in this home and just found out that Bank of America holds my home mortgage. I would like for the federal agencies to find out how didi XXXX XXXX XXXX XXXX XXXX and Bank of America changed my HUD/FHA loan to a USDA loan. I have a company of my original paper I signed at closing on XX/XX/XXXX and the section paged in my files is the page I signed with a HUD addendum and FHA Insured Loan. No one ever gave me a copy of any USDA loan I signed and I want to know how my loan was changed. And why XXXX XXXX XXXX and Bank of America is trying to steal my home when I have numerous proof I can pay a {$750.00} home mortgage.
I borrowed a loan {$600.00} with the understanding i will pay it back the XXXX with XXXX interest, till today I have paid back {$1300.00} in interest alone and i can not go further with the payments. No 1 reason i have lost my job and can not continue with the loan balance of {$450.00}. No 2 is that after reviewing the terms of the loan it was not clearly explained to me I will be paying almost triple of what I originally borrowed. I need help on how to end this debacle.
I COMPLETED SEVERAL MODIFICATIONS FOR THE HOME AFTER GAINING EMPLOYMENT AND HAVE THE RESOURCE TO PAY IT MONTHLY. IT IS A HIGH BALANCE DUE TO NOT WORKING WILLING TO KEEP THE HOME. FAY SERVICING IS HANDLING THE LOAN WHICH IS IN THE ESTATE OF MY DECEASED HUSBAND. I HAVE A DEED AND WANT THE TO TURN THE LOAN OVER TO ME OR REPAYMENT OPTIONS TO DO TRIAL PERIOD WHICH THEY REQUESTED OVER {$15000.00} FOR MY FIRST MONTH PAYMENT AND THEN {$1700.00} FOR THE OTHER 2 MONTHS. I FEEL THAT MY ORIGINAL LOAN DOCUMENTS HAVE TO FRAUD IN THEM WHEN THE HOME WAS FIRST PURCHASED. I WOUL LIKE FOR MY ORIGINAL DOCUMENTS TO BE REVIEWED FOR FRAUDULANT TO GET LOAN APPROVED. I DON'T GIVE FAY ANY REASONS TO BELIEVE I HAVE {$15000.00} TO PAY THEM FOR THE FIRST MONTH AND THEY KNOW THIS. THIS IS A WAY TO DENY ME BEING IN MY HOME KNOWING THAT I CAN PAY $ XXXX MONTHLY AS THE TRIAL PERIOD REQUIREMENTS AS STATED FOR THE 2ND AND 3RD PAYMENT DURING THE TRIAL. I WANT NEED ASSISTANCE VERY BAD TO SAVE MY HOME. I'M A XXXX PERSON LIVING WITH MY XXXX CHILDREN AND BEEN IN MY HOME SINE XXXX AND WHEN MY SPOUSE PASSED AWAY IN XXXX THE MORTGAGE HASN'T BEEN PAID. NO TYP OF ASSISTANCE WAS OFFERED TO ME BY ANY OF THE OTHER LENDER 'S HOLDING THE LOAN. I WAS JUST TRANSFERED YEAR TO YEAR TO DIFFERENT LENDERS. NEVER TOD OF DIFFERENT PROGRAMS TO APPLY FOR ASSISTANCE. PLEASE HELP ME.
XX/XX/XXXX contacted company for validation of debt XXXX states that I should receive it in 10 days. On XX/XX/XXXX @ XXXX XXXX eastern time zone I contacted the company and asked was the validation sent I had not received it. The agent named XXXX stated that the debt letter is a confirmation letter and on the letter states that asking for validation is proof that this is a valid debt. The agent XXXX sts look you gon na pay it or not in angry voice and also states I aint got time for this now I was never volatile with this guy. I stated to the agent under the credit debt collection act that I need validation cause Im not for sure if this is or their a legit company. The agent states again that this debt letter serves as validation. I asked the agent whats his name again and this line is recorded? He stated his name XXXX and that this line I recorded I stated on the recorded the time is XX/XX/XXXX XXXX and asked for a supervisor. A sup was put on I advised the supervisor of what happened and he sts yeah they never sent a validation letter and one would be in the mail sent out soon. I asked the supervisior was indeed that line recorded hes sts that it may be recorded and 9 times outta 10 it would be XXXX never stated who they are collecting for either.
I tried to obtain my credit score by using my Social Security Number for my free credit score that I can get free XXXX a year and I did not recognize none of the answers to the question that they were asking me. So I choose none of the above for all my answers and I was told that there was a problem with identifying me. Someone must stole my identity because I can not receive my score. I stay in an XXXX apartment and never bought a house or finance a vehicle. Please help me, I think someone stole my identity.
I requested a loan estimate from Veterans United Home Loans and received a document with no APR. The quote from them was also missing the loan officers XXXX #.
XXXX XXXX XXXX partial acct. no.XXXX is appearing on EQUIFAX and XXXX  credit bureaus as an unpaid charge off.XXXX has previously deleted.

The problem stems from the fact that the car is a lemon.XXXX  and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT XXXX WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does XXXX  , but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for XXXX  to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for.

BUT IT APPEARS THAT XXXX THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.
XXXXI get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I did n't have any communication from the company before they put me in collection.
I received a notice of escrow shortage in the amount of {$140.00} effective XXXX/XXXX/16. I asked if I could pay it online as I had just made my monthly mortgage payment today.. I was told I could. When I went to the website, I could not assign amount to escrow without making my XXXX payment again as it had not cleared. I told the CSR what was going on, and she advised me to wait until my XXXX payment clears and call back to verify the new shortage amount as it would be reduced to {$130.00} after my XXXX payment clears. 

I did as told, and I was told that The CSR was wrong and that I still needed to pay the original {$140.00} and that I could not pay just an escrow payment on. Meanwhile I am looking at the website and am able to submit just an online payment for escrow without making a mortgage payment. 

I also question the business ethics of allowing the standard 15 day grace period, but charging a service fee if you make a payment online after day XXXX of the grace period. 

Combine that with the fact that I have issues every single time I have to contact this company, and it always seems that I get different answers from everyone that I speak to, that I would love to request that they sell my loan.
This company is reporting an inquiry on my credit report that I did not authorize and am not aware how it came to be. Under section 609 of the Fair Credit Reporting Act, which I've quoted below, I am asking that the name and identification of the person that authorized the inquiry into my report and the person the information was supplied to. 

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.
I would like to start off by stating how unprofessional Experian is as a company. Their customer service is a disgrace. 
I am making this complaint because Experian continues to report an account that is supposed to be deleted. NYS Fair Credit Act States accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
This account was charged off to XXXX XXXX XXXX and the collection was paid in full and deleted. Now the original trade line is still showing. Experian is not throughly investigating this account and does not allow me to dispute anymore. When I called Experian they agreed that it should be delete but they can't and was told to call XXXX XXXX XXXX. I called them and they stated they can't delete the original trade line. I called the original trade-in company which was XXXX XXXX  and they have no record of the account anymore. 
Then one day I noticed the account was deleted and put back on my report the next day.
On XX/XX/XXXX after rejecting the phone call for debt collector for XXXX  at XXXX PDT ( after already explaining that I do not owe the debt of {$130.00} ) they immediately called back XXXX PDT. I was out of town in California, so receiving calls at XXXX PDT wasn't fun either. But the audacity to call back immediately after rejecting the call really takes the cake.
Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXX, XXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
On XX/XX/18, my credit was checked by XXXX without my authorization. As a result, someone opened a XXXX XXXX Account No. XXXX in my name and added 5 phone lines. I received a bill in the amount of {$590.00} for services and phones I did not authorize or purchase. XXXX XXXX told me to file a police report, which I did. Since then, I can not even get the XXXX XXXX Fraud Department on the phone. There is a 2-3 hour hold time and no one ever comes on the line.
Bank of closed my checking and my XXXX credit cards account and i have filed complain about that and they response that they have the right not do disclose the reasons but now they also closed my XXXX years old son account that his grandfather opend for him long time ago as a saving account for his future.the account under his grandfather and my son 's name and the grandfather mom side. so does n't even have my name on it.but my son has my last name ( XXXX XXXX ) I do n't know what i did to them to target my famly even my 7 years son.we are all citizens and my son born in US.what kind of reasons or policy that can end my XXXX years old child his financial future with any financial institution whatever it is.the only reason that can be logically accepted if the company going out of business.but as long as they still open for public they have to explain the reasons to close my accounts and my son account.if there is no reasons they need to reopen them.
On XXXX XXXX, 2017, I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX '' I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). The FTC provided me with an identity theft action plan, which included requesting my free credit report from the National Consumer Telecom & Utilities Exchange ( NCTUE ), because of the fraudulent XXXX account. 

On XXXX XXXX, XXXX, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use NCTUE 's phone numbers to request my credit report. On the best of occasions, I get to the point where it says it is ordering my Credit Report and then it says it can not process the request.
NCTUE 's website does not permit me to directly request/access my credit report.
NCTUE 's website does provide a mailing address to request this information ; however, it does not provide any indication as to WHAT is required for me to send to actually get my credit report. Given the lack of security surrounding CRAs right now, I do not want to send more information than necessary. NCTUE has no way for me to verify what information they need and the phones are not working. I am the victim of identity theft and need this report, but can not obtain it from NCTUE.
back in XX/XX/2018 I contacted Transunion, XXXX   and XXXX sending them copies of affidavit that these debt was a result of identity theft I do not recognize the accounts on my report and it needs to be removed from their records and any reporting agency that they have shared it with and it be permanently blocked .... I have not been able to get a response ... then I mailed all of them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out to get this resolved
I didn't realize this card had a yearly fee. The card I haven't used is charging me XXXX for an annual fee and 2 late payments to tallying over XXXX for a card I haven't used. They closed the account but wont refund the fee 's
Complaint part A. On XX/XX/XXXX, M & T Bank notified me that the owner of my loan was XXXX XXXX XXXX. On XX/XX/XXXX M & T Bank notified me that the owner of my loan was XXXX XXXX XXXX XXXX AS TRUSTEE. At some time after XX/XX/XXXX, and before XX/XX/XXXX, my mortgage loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX AS TRUSTEE in M & T Bank 's records and in their notices to me. However, I have not received the Mortgage Transfer Disclosure required by 12 CFR 1026.39 ( b ). I requested that M & T Bank provide the date of the mortgage transfer ; the name, address and telephone number of an agent or party authorized to resolve issues concerning my payments on my mortgage loan ; where transfer of ownership of my mortgage loan to XXXX XXXX XXXX XXXX AS TRUSTEE is or may be recorded in public records ; and the partial payment policy of XXXX XXXX XXXX XXXX AS TRUSTEE. See attach_1.PDF M & T Bank replied by denying that a transfer of ownership had occurred and deceptively asserted that somehow a master servicer ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX AS TRUSTEE were the same owner. See attach_2.PDF Complaint part B. I requested copies of any correspondences that M & T Bank received from XXXX  concerning my mortgage loan. M & T Bank did not provide the correspondences that they received after XX/XX/XXXX.