WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion has over XXXX unauthorize inquiries and Negatives on my credit report. 
My VA Mortgage of {$1700.00} is not reporting correctly as my VA Mortgage was modified on XXXX XXXX. Also I am requesting that Bankruptcy XXXX Discharge by Federal Judge is not displayed on my credit report and files or Public. 
I am on XXXX and Retired and under the Department of Justice of XXXX XXXX Congress XXXX I respectfully should be accomendated. 
I am a XXXX XXXX XXXX Military Veteran.
We are demanding a cease and desist to Nationstar, and its trustees. Nationstar has our home scheduled to be soled on the XXXX of this month without cause. Nationstar is violating guidelines and regulations regarding this action. Nationstar has unlawfully filed a notice of foreclosure in XXXX of 2016. We were granted a modification on XXXX 2016, with a payment of {$1600.00} for months 6,7 and 8. After that a permanent mod was given with a payment of {$1600.00}. Final docs were signed on XXXX 2016 with a new permanent mod payment of {$1600.00}. After that when we sent in our payments, to a contract we signed, and the bank agreed to, the bank refused the payments and stated our mortgage payment would be higher even yet. This was completely unlawful and in opposition to the contract signed. We refused to pay a " bate and switch '' new payment that was higher than the one agreed to by contract. The bank continued to refuse payment, creating the past due on purpose, then filing a notice of default, when we were not in default, rather they were in violation to the agreed upon contract, causing great harm and distress to our family. I faxed them a request and explanation for the correction, which never happened. Later, in XXXX/16 I received a annual escrow account disclosure statement telling me our payment was now going to be LOWERED to {$1600.00}. yet the payment continued to be refused stating the payment was not enough. The next day I got a statement to pay the {$1600.00}, which, as previously stated was refused by the bank. On XXXX/16, one day later I got a letter from the bank stating we were 30 days behind and they sent us letters to that effect, which is a lie, no other letters were sent other than the ones described above simply stating continually changing payments that were all incorrect XXXX not according to our contract. The VIOLATIONS OF GUIDELINES AND REGULATIONS CONTINUED, as they put us into foreclosure for no reason, the wrong doing is COMPLETELY THEIRS, NOT OURS. The very next day, XXXX/16 we get yet another letter now telling us we owe {$49000.00} and {$1500.00}. We have faxed over demands to explain these actions, and violations and to restore this modified loan to its correct, original amount that was lowered to XXXX. This request, then demand was forwarded to Nationstar XXXX different times, with no response at any time. I found our we were in foreclosure by a friend telling us, an no notices were sent to us, and no posting on the door at any time, which is required by law. Please make sure this sale is stopped and the bank held accountable for this intentional action to harm my family with this illegal foreclosure. Please contact my third party representative, my administrative assistant ( non legal ), who will make sure we get the information and we will get back to you. This information is as follows : XXXX is her name, her address is XXXX, Ca. XXXX, and her phone number is XXXX, as was the request given to the bank also, by fax, with no response at any time. WE DEMAND THIS SALE BE STOPED UNTIL THIS ISSUE IS RESOLVED.
Wells Fargo foreclosed on my property with no right to do so. They did not pay off the previous mortgage I did. I paid them back my own money and then they took my property my escrow my proceeds my income and a loan I have paid again included in a mortgage on my house. 
Wells Fargo needs to return all of the money I paid them including the escrow they collected on another property to which I made separate payments to another lender. And return the money they were not entitled from the foreclosure. 
They owe me more.
XXXX XXXX has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period
I was added as an Authorized User to my mothers PNC Bank Credit Card a few years ago. The card was hurting my credit score when I checked a few months ago, so I called PNC 's customer serivce on I believe XXXX XXXX XXXX at XXXX. I asked them to remove me from being an Authorized User which they told me I can not do myself, but that the primary cardholder has to call and do it themselves. It was a bit odd as other credit card banks immediately allowed me to remove myself as an Authorized User without issue. 

I had my mother call PNC customer service on XXXX XXXX XXXX while I was standing near by as she does n't speak english very well. The representative had to get a translator which my mother could not understand what the translator was saying or the representative. I was told that I could also not speak on her behalf even though she was right next to me when I asked that if she would agree to it if that would work. The representative and translator eventually gave up and told me to bring my mother to a branch office instead. She does not want to go to the branch office as the phone conversation with customer service confused her and as she 's filing bankruptcy anyways so she has other concerns. 

I am at a loss of what to do as this card reporting on my credit report has prevented me from being able to even get a secured credit card in an attempt to rebuild my credit. This policy of only allowing the policy cardholder to remove Authorized User seems outdated as it should n't be there in the first place. I felt that this should be brought to the attention of the CFPB and PNC as it could harm other in the sense that if the card is hurting your credit score and you ca n't remove yourself from being an Authorized User. While the policy cardholder be it that they 're XXXX or you 're not in contact with them you should n't be stuck with the bad remarks for a card that is not your responsibility and no other pathway to remove it.
About a month ago I tried to get preapproved for a loan. The loan officer said Equifax had a block on my account and for me to call them to unblock it. I called them and they said for me to send in or fax my identification to the dispute department at Equifax to unlock my account. I called about a week or so after sending AND faxing it to them and they said they haven't received it but there is no lock on my account because I do not have a file because I have no credit history/not enough credit history. I explained to them how I have had credit with my bank for four and a half years now and a car loan. Someone then told me my social is tied to a different name at Equifax. I tried re faxing my information and they still claim to have not received this information. I have been dealing with this issue for about a month now which has postponed my process of buying a home and it has been extremely stressful.
I recently called Citizens bank to cancel and dispute charges on my new account of {$280.00} something. I just got back from outta the country, because my dad recently passed away and I get home to find out that my roommate stole and opened my mail and proceeded to use my debit card that I just got in the mail. He still has the debit and I tried canceling it but the customer service rep was so nasty to me, and did n't help me in anyway. Just said there is nothing I can do for you! I said let me speak to a supervisor, and they hung up on me!! Upsetting and rude!! I recently kicked my roommate out, and it got ugly, but you do n't steal from people helping you! I am so disappointed with the way Citizens Bank treated and handled my claim!! I just came right to here to file my complaint and get resolve on my matter of stolen money! I do n't want to speak to another nasty customer service rep.
I called XXXX XXXX to just have my address changed. Apparently the representative reported the card as lost/stolen closing the account resulting in my credit score to decrease 50 points! I called the bank numerous times to have this fixed. On one attempt the representative said she would add a note to the account for the next report. I saw on my report where the remark was added & account was removed. Now a month after the same account has beed re-added resulting in my credit score decreasing 50 POINTS AGAIN! I contacted XXXX XXXX & the representative said he is unable to help so he will transfer me to a supervisor which was clearly of NO HELP either! The supervisor showed no type of remorse or care regarding the situation. I was told they will have to listen to the first call about the address change & was unable to do so at that time so I will have to wait 72 hours! This is absurd! I have worked hard to maintain GOOD CREDIT to have it ruined NOT by non/late payment but by people who clearly do n't know how to do their jobs.
I requested a credit line increase on my  XXXX  credit card. They said they would need to run my credit  (  hard inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  XXXX / XXXX / 2017  and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted Equifax disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times  XXXX  with no answer. In summary,  XXXX  performed an explicitly unauthorized access to my credit score, violating my rights, and perhaps violating the law, and they are not doing anything to fix it. Equifax denied without major reasons my request to fix this, in spite of the supposedly communication sent by  XXXX  reporting the inquiry as erroneous.
Account : XXXX Dear XXXX XXXX  XXXX, XXXX XXXX XXXX is now XXXX XXXX. 

Thank you for your email with XXXX received on XX/XX/2018. To ensure the XXXX trade lines have been removed from your credit report, XXXX has processed electronic deletions with the national consumer reporting agencies. Please allow the consumer reporting agencies 30 45 days to update their files. 

If you should experience discrepancies, please contact the consumer reporting agencies directly for resolution. 

If you have questions regarding this information, please contact our office at XXXX XXXX XXXX XXXX. XXXX office hours are Monday through Thursday, XXXX XXXX. - XXXX XXXX., and Friday, XXXX XXXX. - XXXX XXXX, Central Time, and our website address is XXXX. 

Sincerely, XXXX XXXX
We leased a XXXX XXXX from XXXX XXXX in XXXX, OH in the year XX/XX/XXXX. The Owner of the vehicle was my friend XXXX XXXX. I was the co signer. We leased the vehicle for XXXX total years and always made payments on time. The lease worked in a such a way that, We could pay the rest amount of approximately {$8100.00} at the lease end and own the vehicle. After the XXXX years however, XXXX XXXX and Toyota Motors together warned and requested us to drop the car off and the Customer representatives with XXXX confirmed with me that I would not owe them any money after I did so. We wanted to buy the car for the rest {$8100.00} in balance but they did not let us do so. After some time, XXXX let me finance another XXXX XXXX as a single Owner ( XX/XX/XXXX XXXX XXXX, Present Owner ), But reported a {$8100.00} balance to the credit report agencies as a debt I owed them for the earlier car I leased and returned. 
Toyota financials and XXXX XXXX acted unethically in a malicious way treating their loyal customers by not letting us buy the car and reporting a balance I did not owe them. I emailed XXXX XXXX back in the day to own the car for remaining balance of {$8100.00} but they never replied as they intended to make more money from me and by also retaining the car. They did not try to help me out. I had so many problems because of losing the car and having a derogatory remarks on my credit.
Please help. I am so frustrated that this continues to occur and XXXX indicates they can't help me. They refer me to call Citibank and Citibank tells me they sent my information to the fraud dept. I called three times to XXXX over time and a new rep told me to write Citibank in SD and request deletion of the items on my credit report. I did that in XXXX and still no change. I have two alerts on my credit report that are not mine. 

Both from Citi CBNA, XXXX XXXX XXXX XXXX XXXX SD, business type " na '' and account status/type is " Consumer Disputes after Resolution ''. One on XX/XX/XXXX in the amount of {$2900.00} and one on XX/XX/XXXX in the amount of $ XXXX of these are mine! Someone is trying to use my information and I can't get this off of my report. I ask for your assistance. PLEASE..I have/had outstanding credit for my entire life. I do not want this fraudulent activity reflected on my account.
FNBO was included in my husband 's bankruptcy case. A discharge was ordered. FNBO forwarded by file to a collection attorney. My attorney wrote 2 letters for which FNBO attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. FNBO bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. FNBO has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with FNBO I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.
I had a conventional home mortgage through XXXX financial which was opened in XXXX of XXXX. When XXXX XXXX went out of business my mortgage was sold off several times until it landed with Specialized Loan Servicing, based out of XXXX XXXX, CO. This buyout occurred approximately XXXX, XXXX. At that time, my mortgage balance was at {$72000.00} and my monthly payments were at {$560.00}. While attempting to work with SLS, I had submitted for a XXXX hardship re certification of my mortgage. The solution from SLS was to then increase my mortgage payment buy almost {$300.00} taking monthly payment up to {$850.00}. I decided to vacate the property in XXXX of XXXX and notified SLS accordingly. I have attempted to do a short sale on at least XXXX seperate occasions as well as a deed in lieu twice. I have hired XXXX separate realtors over the past four years and each realtor ultimately resigned, stating that SLS refuses to cooperate in any way with the sale of this property. Four years later, I still have this property attached to my name which is destroying my creditworthiness. SLS is reporting several inaccuracies to all three major bureaus including : incorrect balance, incorrect monthly payment, and incorrect origination date. They refuse to short sale, deed in lieu, and even foreclose. I have disputed the inaccurate information being reported by SLS, to all XXXX credit bureaus, but to no avail. The home has been appraised, both by a private company and by SLS. XXXX appraisal came in around {$35000.00} for the property as it stands due to economic collapse in that area. Given the assessed value of the property, SLS continues to increase the amount owed every month to a now staggering {$66000.00} in late fees alone.
In trying to turn in my XXXX lease to XXXX different XXXX dealers I was rejected by all of the because Honda Financial incorrectly advised the dealers that my lease was 42 months and was n't at the end so to not take the vehicle back. Honda Financial also returned checks for payments and reported them past due. This negligence is still haunting me many years later through incorrect and updated credit reporting. They never responded to the letter attached, fixed their errors, or apologized to me. I have also filed disputes 4 times in the last year with the credit bureaus and they continue to ignore the issue and dont reply.
Equifax has not been allowing me to get a report directly from Equifax any time I go online. I have called their customer service, I have even send in all the verification information such as DL, paystub, SS #, utility bill in my name and address etc. 

Equifax has the verification process set up to only provide questions that are totally unrelated to the person trying to get access. I have been dealing with this issue for over a year. 

Additionally, they show through 3rd party credit review sources that my credit score is over XXXX yet they told a creditor requesting a line a credit that my score was XXXX, while another creditor they gave a score of XXXX. 

I have to assume that this fraud is purposeful by Equifax. There is no excuse for never being able to get the free annual report through the website. I have upload verification as well as the letter and proof of identity I sent in XXXX 2017.
I entered on XX/XX/XXXX in effort to pay the debt off .I was told by agent that I needed to pay {$76.00} to start the payment plan which I did. When I log into my account online it stated that I owed {$46.00} I called in and was told that I should ignore that as it takes time forthe plan to take effect I have made each payment as they are drafted from my account on the XXXX .I did speak with a supervisor and was told that it would take 48 hours to fix .However my credit as been negatively affected.
XXXX XXXX BANK took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
Collections were placed on my credit report on XX/XX/XXXX from Receivables Performance for {$780.00}. I did not receive any notifications from this collecting agency and it is a new one reporting on this account from XXXX. The collection was previously removed from credit report from XXXX onXX/XX/XXXX.
XXXX XXXX, XXXX I received a letter regarding my loan that was not easy to understand. 
The due date has two dates spanning from XXXX to XXXX. This is confusing. It is not clear what a 'Level ' Schedule type is. There are two installment amounts. Why? It is not specified what an 'Anticipated cap ' is. 

The lexicon of this letter is not easily understood by consumers. It seems it is purposefully vague and when speaking with the company I was told it has no intentions of changing the letter format. I am concerned that the future important correspondence with the company will be poorly outlined.
Last fall, following the widely publicized Equifax data breach, I checked the social security numbers for myself and four dependents ( spouse + XXXX children ) and submitted applications after the Equifax check tool confirmed we had been exposed. On XX/XX/XXXX, I received five emails with links and immediately set up five TrustedID  accounts for the purpose of monitoring our credit for the ensuing 12 ( maybe 24? ) month period, as promised and mandated. Or so I thought. After roughly six months of hearing nothing, for anyone, I became concerned as several credit card accounts have been opened ( and some closed ) during this period, and we should have been notified of the same if we were in fact being monitored. I must have spoken with 5 or 6 different representatives from Equifax at this point ( including an unsuccessful attempt to speak with XXXX who called on XX/XX/XXXX following very poor survey feedback that I sent in after being requested to do so, and the last of which was a supervisor named XXXX XXXX, and then an extremely rude floor supervisor named XXXX/employee #  XXXX, would not give full name ), none of whom were helpful or had a solution ... or cared, really. They claimed that none of the accounts were in fact set up, and stated that the TrustedID program is no longer in effect ( not sure how the former could be the case based on the emails, which were also sent to them, and how the latter could be true as the monitoring was to continue for at least 1 year and the program did not begin until last fall at the earliest ). They said I could " purchase '' identity protection with one of their other programs, or put a credit freeze on the accounts neither of which was the purpose for which I was calling, to exercise the right to the service to which we were wholly entitled. So, having exhausted my options with Equifax, I have now made a formal appeal to you on our collective behalf in an effort to help resolve this long-running issue with Equifax. I am sure we are not the only ones in this situation. Thank you in advance for your consideration and assistance.
filed bankrupsy XX/XX/2007, XXXX mortgage was Litton Loan at the time. Was purchased by by Ocwen. Ocwen purchased a debt in bankrupsy, this loan was not reaffirmed, and according to our loan officer it is an uncollectable debt. Yet they call multiple times a day, as early as XXXX. They have added lawyer fees, late payments, and are ruining my credit score.