WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I have been negatively impacted significantly by Ditech erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.
We are on Day 5 of no access to our accounts with Rushcard. My husband 's XXXX direct deposit is not in his account. We can not speak with anyone, we can not get a text balance and we are locked out of our accounts. Rushcard has had five days to fix this and no one is getting satisfaction. I 'm sure this is illegal and I hope there is something that can be done. Quickly.
I recently found out I had defaulted student loans that were to be discharged during a bankruptcy that was d/c in XX/XX/2005. Unfortunately due to the time frame and the discharge being off my record I do not have any paperwork for it. The courts have destroyed the paperwork as well and the attorney I used in the case is now deceased. I contact XXXX XXXX XXXX because they are the ones who are handling the case. I have spoken with a XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX in regards to the case. My issue is that I feel I have been lied to. I have a balance of XXXX ( including collection fees ). I was told by XXXX that the collections fees are not accessed by their company but by the XXXX XXXX XXXXXXXX. I submitted financial records and the from the law that I read regarding repayment of student loans the amount is to be based off my Adjusted Gross Income. I provided verbally to XXXX the amount of XXXX. I made a payment that day. The next day I was contacted by her again. She accused me of lying to her and stated that I made more money and therefore my payment would increase by XXXX and that I needed to make that payment that day or else the payment that I made the day before would not count. I questioned what she was talking about. That the law states that you are to make the monthly payment assessment from my XXXX not my gross wage. I felt helpless and as if was being backed into a corner so I agreed to the new payment amount. I might also add that the way I found out about the debt was through income tax offset. Through that my federal taxes were XXXX and my state tax was seized as well at XXXX. I was never asked what I could pay. What my monthly bills were. I was told I needed to pay this amount. Another issue is that I have 6 small loans on there and I requested that the small loans be paid first to stop having to pay interest on those. When I spoke with XXXX XXXX the manager she stated that I could not allocate where the money was being dispersed that the payments had to be distributed evenly between all 6 loans. She stated that the only way to have the small loan paid off would be that I would have to send an additional payment and specifically allocated that was for the account. This was also told to me by XXXX XXXX. She gave me the account number for that loan of XXXX. Long story short I know this company has been sued as I was named in the class action lawsuit. There unlawful business practices are continuing. I would like some sort of assistance. I would like to satisfy the debt but I am not going to allow myself to be a victim. At this time I spoke with XXXX XXXX last night and I have asked that my financial information be deleted from the system until the issue can be solved. I have also reached out to to the US Dept of Education and filed a complaint with them as well. I would appreciate any assistance I could get in resolving this matter. I will note that I also have tried to reach XXXX XXXX and I was told that he does not have a voice mail. I was told that he is the director.
I have been wrestling with this loan payment since graduating in XX/XX/2008. Hindsight being what it is, I was not so subtly guided towards taking a loan out from Navient ( then XXXX ). While I have been able to temporarily reduce payments by way of forbearance or interest reduction rates, they have been just that -- temporary. What there is no transparency of or any information relating to is how temporary these " assistance '' programs are. You are only allotted up to two years of forbearance relief before they simply tell you, " You ca n't renew this program as you have used up your allotment '' without any warning leading up to it. The reduced rate interest programs are good for a year. You can continue to attempt to apply for them, however even if you are accepted your base monthly rate will still increase. My reduced monthly rate went up 61 % from the first year to the second. When I tried attempting to go for the third year, I was told that I make too much money, and now my monthly payments are higher than what I pay for rent. Terrible practices, not enough information, and no relief programs in sight. Borrowers beware : Never take a private loan unless you are 1,000 % certain that you are well within your means to pay it back immediately! Unless I find some relief, this will be hanging over me the rest of my life.
I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now ( after making months of payments ) than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!
Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX Benefits payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.
Received a Collection notice from Company called Afni for an account that is been paid and closed for 10 years. They said they represent XXXX. a XXXX we have not done business with for 10 years. We have been with XXXX for 10 years. The person that called us said he was a collection agent for Afni and that they could make our life miserable until we pay them, they claim they bought the bad debt and will collect. They demanded I send them {$220.00} immediately or the bill would go up.
I was dismayed once I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
On XXXX XXXX I deposited my paycheck and another check at a US Bank branch inside a XXXX on XXXX XXXX in XXXX, CA. I asked the teller to deposit {$500.00} of the $ XXXX deposit into my savings account. He, instead, transferred out of my account {$500.00} into my secured credit cards savings account. This did not result in an increased limit on my credit card. The money was tied up in an account that I had no access to for 5 days. It was finally corrected on XX/XX/XXXX when the branch ( after many hours and managers in the US Bank customer service line ) finally released the funds and transferred them into my checking account.
I HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.
Chase Ink credit card for my small business that was opened in XX/XX/XXXX. Account fell behind on a monthly payment and Chase unilaterally suspended account and increased interest. As the authorized person on the business credit card account I reached an oral settlement agreement with Chase on XX/XX/XXXX, outlined in part in a letter sent from Chase to my office confirming outline of settlement agreement to my office. I made timely payments per the settlement agreement ; however, Chase did not update the account status and pay history as agreed to " settled '' for account status and current for pay histories for months of XX/XX/XXXX through XX/XX/XXXX. I only entered into the settlement agreement based on the understanding that Chase would perform these corrections for the credit reporting on the account so it would not negatively affect my business or personal credit opportunities going forward.

I attempted to correct these issues with Chase twice in XXXX and XX/XX/XXXX with no success. In anticipation of applying for home mortgage pre-qualification in XX/XX/XXXX, I again reached out to Chase requesting that it correct these incorrect derogatory credit reporting issues. Chase responded by updating the payment status to 90 days late, in breach of our settlement agreement and adversely lowering my credit score, and by updating the pay history to reflect Negative for the month of XX/XX/XXXX, as opposed to closed and current on payments as the account was per the settlement agreement and my performance of the same. 

I again reached out to Chase in XX/XX/XXXX by phone after an indication an application for a substantial business line of credit was preliminary denied specifically based on the incorrect credit reporting for this account that has still not been corrected by Chase. I I disputed the incorrect information through an online dispute process with XXXX, by phone, and have sent a certified letter and supporting documentation concerning why the reporting is incorrect and in violation of our prior settlement agreement. I have also requested account notes from Chase and have been informed I will not be given the account notes without enforceable legal process seeking such account notes.

Chase has confirmed we entered into a settlement agreement on XX/XX/XXXX, and I performed all my obligations per the agreement ; however, it persists that it can not report the account as paid as agreed from XX/XX/XXXX through XX/XX/XXXX and that even though its letter confirming the settlement agreement stated the account was closed in XXXX they continue to persist they can not report my account as paid as agreed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have attempted every method to amicably resolve this erroneous credit reporting short of litigation and this is my last effort to resolve this matter without litigating Chase 's failure to perform its obligations per our settlement agreement.
I started to receive letters from Clear Spring about 1 year ago asking for payment of {$5300.00} with no explanation of where the debt was incurred, I have asked for signed contracts with no response, I have been fighting to get this removed from my credit reports as I can not cosign student loans for my daughters. 
I recently received a letter saying I can settle the claim of {$5300.00} for one payment of {$530.00}, this company has provided no documentation nor  contract and I am not about to settle on an account that never existed
I have XXXX student loans that I pay through Navient. I went through the online process on navient 's website to consolidate the XXXX loans into XXXX loan. I received notice that the consolidation was approved and had been completed. 

All they did was " consolidate '' XXXX of the loans and raise the interest rate. This loan just had its title changed and I paid slightly more for a short period. 

I have reached out on their website at least twice, maybe up to four times. I have not got any type of response back. 

I recently set up automatic payment, which dropped my rate .25 %. However, this was deduction was taken from the new, slightly higher, rate. 

Please let me know if/what documentation you 'd like me to provide. 

Thanks
After being guilted and begged, I reluctantly co-signed a student loan for a friend through  XXXX   XXXX . We had a falling out a few years later and she cut off communication and moved out of state. Some time not to long after,  XXXX   XXXX  contacted me about the loan being behind. I brought the loan current and was told that if I made on time payments for  two  years that I could be released from the loan. I made my payments but shortly before the  two  years w as up, the loan was transferred to Navient. At the end of the two years, I contacted Navient  and was told they have no such policy and refused to honor my agreement with  XXXX   XXXX .  Six years  later, I am still making payments with no end in sight an d Navient still r efuses to help me by going after  XXXX   XXXX , the primary loan h older. Navient could care le ss who pays the loan as long as they get their money.Navient should honor what  XXXX   XXXX  told me and release me from my obligation. I understand the commitment that I made co-signing but the intent was to help out here or there with a payment, not have the entire loan dumped on me. As far as I see it, this was a criminal/fraudulent act by  XXXX  and should be treated as such.
Upon being denied a credit card that was supposedly guaranteed, I was sent a letter describing why this happened. Apparently, I need to add a phone number to the fraud alert on my Experian credit report, but I can not get through to speak to a human being on the automated phone number, which is the only one I can find. I can not log into my account because Experian has a record of my existing account, but my old password and username would not pull up any matching records. I reset the password through the automated system, but that will not work either, and it is impossible to get any help at all even after being denied credit due to this issue. When companies like Experian determine whether or not I can get credit for a medical issue, they need to actually answer the phone and give people the help they need to resolve a simple issue like just adding a phone number to the fraud alert.
I currently have XXXX American Express Membership Rewards points that are frozen. I called and inquired about my account on XX/XX/XXXX, and was told by a customer service representative that I was under a spend review, which subsequently locked my ability to transfer points to an airline or hotel partner. It seemed to occur after I had initiated a transfer to XXXX XXXX in the order of XXXX or so points. On the phone, the representative assured me that the process would take between 8-10 weeks, which is absolutely ridiculous for a consumer facing company with ample resources. On XX/XX/XXXX, I attempted to perform a rewards point transfer and was again denied. After calling in again to find out what the issue was, I had no resolution until I escalated to a supervisor. However, my issue is still unresolved and my points are unusable.
XXXX was the originating mortgage holder and they did not pay my taxes after all monies were escrowed. they sold my loan to selene finance and they paid it after XXXX said they would but did not, but they paid it from my escrow acct not from funds received from XXXX and now have a shortage in escrow. selene finance then hit my escrow acct XXXX for homeowners insurance, was late with it and only paid it once in 2013 as the insurance company never received the second payment. now escrow is short yet again and my payement went up {$200.00} + a month. i have been trying to get this fixed to no avail, XXXX has tried from what they said in the emails i have from them but selene will not respond. planet home is the new servicer and has been trying but they keep getting wrong information about the problems. both XXXX have acknowledged the issue and see where the problem are but can not get my {$2000.00} + back without selene finance 's cooperation. this has been going on for over 2 years and do not know where to turn. all has been documented as well as numerous emails. 
please helpthank you
I hold a first mtg with US bank ( loan # XXXX ). I applied for a loan modification due to the fact my payment is going up in XXXX and I lose my child support in XXXX 2017. My income is XXXX a month from my job XXXX. My payment will be XXXX. My modification was denied because i am not behind on payments and because they say I have enough income to cover the mortgage! Clearly an excess of XXXX is not enough to sustain that payment amount! I asked for an appeal to make sure they are not counting my Child support that I lose in XXXX 2017. US Bank said I can not file an appeal! So much for saying on their paper work they want to work to help you keep your home!
I currently have my mortgage payments set up thru Autopay with my mortgage. In addition to my regular monthly payment I have elected to pay and additional amount each month towards principal. Every single month since I have set this up, the amount that is supposed to be applied to additional principal has been misapplied by my mortgage. I have to call every single month and have this corrected. I feel that this should not be happening and I also feel that they are hoping that I am not checking so they can continue to collect interest on my account instead of applying the payment towards my principal. I have asked every time I call, which is every month, why this keeps happening and no one has an answer as to why this keeps happening!!
On XXXX XXXX, XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XXXX XXXX, XXXX - XXXX months later and according to CFPB Auto loan applications submitted within a XXXX - XXXX day time period should be treated as " XXXX '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " XXXX '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit scorXXXX. 

XXXX lists XXXX inquires Experian list XXXX inquires XXXX list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XXXX XXXX, XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took  place within a time span ranging from XXXX days to XXXX days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a XXXX day time span. All those inquiries should count as one inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as two separate inquiries.
And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).
I made 2 complaint to consumer financial protection bureau already round point mortgage altered the terms of my loan by escrowing the taxes and insurance and returned my payment no taking my money I want them to remove the escrow account and reimbursed my my escrow money I made complaint on XXXX XXXX XXXX please help me they altered my payment to XXXX and when I sign contract for 30 years I supposed to pay XXXX
I received a Notice of Escrow Shortage Letter from US Bank dated XXXXXXXXthe amount of {$700.00}. I called US Bank Home Mortgage talked to a XXXX I explainedwhy I was calling and asked why there was a shortage since I sent a {$970.00} to them in XX/XX/XXXX, he said it was applied on XX/XX/XXXX, but not all to the escrow account. I said fix it, so he opened a Work Order on XX/XX/XXXX and said disregard the Notice. I called US Bank on XX/XX/XXXX to make sure it was taken care of, I talked to a XXXX who put XXXX on the phone and she tells me if they reverse it I would have to re-done my taxes, so I said ok I 'll do that reverse it, after being on hold for a very long time for the second time, XXXX tells me she does n't know if the US Bank will do that, I ask to talk to the department that handles this and she says they do n't take incoming calls, that I would have to write a letter to US Bank Home Mortgage at XXXX XXXX, XXXX, MInn. XXXX to see if they will reverse this. I asked when was the work order cancelled and when was I going to be notified? she said it was cancelled today and she did n't know when I would have been notified since I had the notice letter which I was told to dis-regard! 
See attached Letter and conversation notes and check stub
As of Tuesday, XXXX XXXX, 2017, EQUIFAX is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX.
I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX  # XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
XXXX   XXXX   has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the two hard pulls on my account.   XXXX   XXXX   refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.