WillisBack/dataset-financial-user-claim huggingface dataset:
My score was drop to the lowest because of a problem on the Equifax. There are two reports saying two different things. On the page labeled changes it has dropped my credit score down over 500 points, but on the page labeled Factor it said the account is still there in good standings
There is two months that I am not received the bill statement to make the payment.
I had to call the Bank of America the last two months to asked how much I need to pay because every month there is a little difference. It look like the Bank of America lost my Home address. But I am 100 % sure if I made the payment late the letter charge fees will show up.
In XX/XX/XXXX my fianc had to be placed on short term XXXX to prepare for his XXXX. The XXXX took 6 weeks to kick in and I was worried since he was over half of the house hold income that we would fall behind on the mortgage with Quicken Loans. I was looking on the website to see if there was a 'skip a pay ' option like with my car loan just so we would n't be late the one month. I came across a " Application for Success '' form and filled it out thinking it would help us with the one month payment we were worried we would n't be able to make. Upon completion of the form I received a phone call explaining to me that the form was for a loan modification. I explained that a loan modification was n't for me, as I was not looking to harm my credit and modify my mortgage agreement. They said I could cancel it as it never happened. I never submitted the signed application as they said I could just cancel. A month later I received a letter from Quicken with an adverse action notice on my credit report. I again called quicken to see what it was about. They said it was part of my loan modification process. I explained again that I did NOT want a loan modification that I did n't understand what I was filling out because no where did it say anything about a loan modification. They said they would fix this and get back to me. They never got back to me. Now there is a {$120.00} fee on my monthly payment for the modification I supposedly applied for that I never wanted. They will not take off the fee. I needed help as we were drowning in bills missing 60 % of our household income, not added bills causing me to be late on the mortgage. I have requested calls from managers to explain why I am being charged for something that I never wanted and have not received a call. I have a few emails from a customer service rep assuring me someone will call but its been almost two weeks and no call. In the meantime my payment went from {$950.00} to {$1000.00}. I feel cheated and scammed.
A original debt when into collections from XXXX XXXX XXXX, for {$790.00}. The collection agency is known as XXXX. After working with XXXX XXXX XXXX financial aid department the hospital requested that the bill be removed from XXXX because I qualified for financial aid which cleared the debt. I was then sent a letter dated XXXX XXXX, XXXX stating XXXX XXXX XXXX ceased all collection efforts through XXXX. From XXXX XXXX I have contacted XXXX because the debt was still appearing on my credit report. I was informed by XXXX employees that their agency does not have any open account in my name. I then informed XXXX employees that I disputed the debt but Transunion stated that someone at XXXX sent a XXXX word response stating the account is still open for collections. The XXXX employee told me that is impossible for anyone in their agency to send a response for a debt that they do not have in their system. I was then informed that agency sent letters to each credit reporting agency requesting deletion of the debt. XXXX sent multiple letters as well as submitting documents through a program apparently called XXXX to Transunion credit reporting agency. I attempted multiple time to have the debt removed by filing dispute through Transunion, and each dispute was returned stating that the debt was to remain as an open collection. I disputed the debt 5 times before XXXX XXXX reported that they will no longer accept any dispute for that particular debt. 
I contacted XXXX collection agency multiple times to be informed that their agency has sent multiple responses to have the debt deleted. I then contacted XXXX to have a supervisor contact Transunion to see why the credit reporting agency refuses to remove the collection. On XXXX XXXX, XXXX I was informed by XXXX that one of their supervisors had spoken to the marketing department at Transunion and was informed that the debt would be removed in 3 to 5 business days. As of XXXX XXXX, XXXX the debt still remains on my credit report as an open collection causing unnecessary damage. I have contacted Transunion in regards to the deleting the debt and was informed that they refuse to delete the debt and that they will be keeping the debt open until XXXX. I have personally sent a letter to Transunion asking the debt be deleted from credit report as well as a copy of the letter sent to me from XXXX stating the debt of {$790.00} was to be deleted. Transunion denied receiving the letter and still refuses to delete the debt. Can someone please help me, If someone needs to confirm what I am saying they can contact XXXX at XXXX my case reference number is XXXX.
On XXXX XXXX, 2015, I received emails stating my contact information had been changed on my CapitalOne credit card account and that there was a request for a new card. The email stated " if you did not make these changes, please call ... '' When I called I told them I had not made the changes to my account. I logged into my account and there was a phone number, email address and mailing address that was not mine. We had not used the credit card in over a year. I told the representative I wanted the account immediately closed. Over the next hour I talked to at least XXXX or XXXX people, I was disconnected XXXX times. At the end of the night XXXX assured me the account had been closed and the " new card '' would not be sent. On XXXX XXXX, 2015, I received an email that stated " your new card has been shipped via XXXX XXXX. '' I punched in the tracking number and of course CapitalOne sent it to the person who hacked my account. I called CapitalOne and asked for " fraud ''. After speaking with the XXXX representative I discovered I was n't connected to the fraud department. I have no idea why they did n't get the telephone transfer correct. I was then connected to the fraud department - lower level person then supervisor. By the end of the conversation the representative told me the new card that was sent out had not been cancelled. He then claimed he cancelled the card. He was " pretty sure '' no one would be able to activate the new card. However, he ( along with XXXX the night before ) was not authorized to send me an email confirming they had closed the account. I would need to wait 7 - 10 days for a letter. I have absolutely no faith that CaptialOne protects the personal information of their cardholders. This should have been a simple task and it ended up being a waste of XXXX XXXX hours of my time and a lot of frustration. If this card is activated, CapitalOne will be responsible for all of the charges. CapitalOne needs to look at the quality of their employees and how they are trained.
I find myself in this position with this bank regularly. I feel the bank is holding the payment as long as possible. I sent out payments to multiple creditors on the same day and they have all cleared my account except this one. Its not a day or two difference its over a week and almost two. In the past the lender blamed the post office even though my other mentioned creditors are further away and not experiencing the same issues. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX
Have filed Complaints to XXXX XXXX XXXX. 
In regards to the Enhanced Recovery Company # XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX/XXXX/2015 sent a 30-day Validation Notice. 
Have asked Several times in the last 5 months to have the items removed. Contacted : XXXX XXXX, XXXX and XXXX. 
The repositories do n't contact the Debt collections and their reply is they verified the information is correct. Need the item removed. Please! Next step is to file a Class Action Suit in regards to Title V of the Fair Debt Collections Act.
The problem I am having is the company wants to charge an excessive amount and posted that excessive balance on my credit
XXXX XXXX XXXX  charge card had two fraudulent charges that were reported at least two weeks ago. I was assured that the matter would be taken care of on two separate occasions. I should point out that this card was never used. I have always used the " XXXX '' app to make purchases which is a direct payment from my bank. 
Account is owned by Synchrony Bank. 
The card was canceled and a new card issued. I continue to get past due notices and I see that it has also been reported to credit rating agencies. 

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GAL PREMIUM {$40.00} XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GAL PREMIUM {$42.00} XXXX
My wife and I are interested in buying a newly built home. The builde r is    XXXX   XXXX  .   XXXX   XXXX   will give you a {$5000.00} discount in closing costs, but only if you us e DHI Mortga ge even though they have A BUILDERS INCENTIVE AND CONCESSION ADDENDUM that states you can use any other settlement services provider . DHI Mortg age 's Interest rate is .50 % HIGHER than what I can get from a competing lender.   XXXX   XXXX   will not honor the {$5000.00} discount if we use another lender. The lower interest rate offered by the other lender will save us over {$31000.00} over the life of the loan.   This appears to be a " steering '' practice by the builder. I thought steering was  Illegal?  Now we stand to loose the {$5000.00} discount offered by the builder. Builders should not be allowed to penalize the consumer by simply choosing another lender that is not affiliate d with    XXXX   XXXX  . Why is builders sales rep allowed to stiff arm, steer, and guilt us into using their own lender. This must be stopped!! Any feedback would be greatly appreciated.
Problem : OCWEN has not recorded my loan modification agreement which I signed on XXXX/XXXX/2015. 

XXXX Description of what happened XXXX I have been working on loan modification with OCWEN since the beginning of this year. Finally I was able to get loan modification agreement in XX/XX/XXXX, and signed & notarized on XXXX/XXXX/2015. It was received & signed by OCWEN 's Authorized Officer on XXXX/XXXX/2015. 

It 's been more than 3 months and OCWEN Legal Department tells me that it takes 3-4 months to record the document in California, so I have not received a copy of signed & recorded loan modification agreement. 

I live in California, and I do n't think it takes 3-4 months to record real estate loan agreement in California. 

In the meantime, I have already been making the following loan payments as per the new loan modification agreement : Trial payment on XXXX/XXXX/2015, Monthly payments on XXXX/XXXX/2015 & XXXX/XXXX/2015. 

Please help to expedite this case.
I have contacted Navient several times via email. Every response I receive is the same, That they have updated my credit report. All they keep emailing back is that I have paid my account off and have a XXXX   balance. But on my credit reports it has not been updated or it has been updated to deferred payment showing a balance of {$970.00}. It is a XXXX balance.
On XXXX XXXX, XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XXXX XXXX, XXXX. Additionally I have submitted a sworn under oath, affidavit on XXXX XXXX, XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and XXXX, XXXX, XXXX, and Innovis will risk a lawsuit with the state and federal courts for damages of this illegal activity.
In   XX/XX/XXXX  I contacted Chase and expressed some financial difficulty and attempted to resolve with partial payments, future payments to be electronically set up, etc. I was told that no options were available to me until I was in default. I continued to be in contact with Chase over the course of  XX/XX/XXXX  and  XX/XX/XXXX  attempting to resolve the situation and not have any derogatory remarks reported to my credit. I had a sum of funds coming to me in  XX/XX/XXXX  and knew I could pay the remainders of the payments all at one time. Chase would not work any resolution with me. By the time I was in default per their terms, the payments were paid in full in the sum of {$5900.00} in  XX/XX/XXXX .
The company, Enhanced Recovery, reported an XXXX XXXX XXXX bill in XXXX of 2014 without sending a dunning notice. This was a debt that they had previously tried to collect from me years before and was eventually deleted from my credit reports after disputes were not validated on their end. They began reporting to XXXX and XXXX in XXXX of 2014. I disputed through the XXXX and they acknowledged through written message that they did not send a dunning notice because they were unable to reach me on a cell phone number they had listed as my contact. So as of last week ( XXXX XXXX ) they sent the dunning notice-5 months AFTER they began reporting this on my credit reports. I was not given the chance to dispute before this was marked as a derogatory item on my report and sending the notice now is a clear violation. I want this debt removed from my credit reports as it is being reported incorrectly and collected in violation.
I have been contacted numerous times by a company I have never done business with. This company is in no way located or associated with the state of Michigan and I have never resided outside of this state. I have asked them numerous time via phone to VALIDATE the debt they say they have on file for me. They have not sent VALIDATION to me as to why they are contacting me regarding a debt I do not owe to them. I have NEVER signed or agreed to any contracts with this company and I don't know why they think they have any rights to continue to say I do or to contact me at all. They have placed this said debt on my credit reports without first sending me written proper validation or written warning. This is a violation of HIPPA as well as the FCR act and I have rights to take this further. I want them to decease contact with me immediately and them to remove this NEGATIVE mark from all of my credit report ASAP.
While XXXX XXXX from Carrington Mortgage Services states in her response to complaint number XXXX that Carrington Mortgage Services submitted ( an AUD ) form to the four major credit bureaus to REMOVE any negative credit remarks, that is in fact untrue. The form ( attached ) clearly shows that an " update '' was submitted, not a " deletion '' thus not removing anything from our credit report. XXXX XXXX, a manager in the Loan Servicing Department who was working with me, repeatedly ( on XX/XX/XXXX and XX/XX/XXXX ) said he would have the AUD form resubmitted to show " deleted '' instead of " updated '', and as of today ( XX/XX/XXXX ) I have no confirmation that he has done so. He promises to update me by " end of day '' and never does. Additionally, according to XXXX on XX/XX/XXXX, CMS reported our account delinquent AGAIN ( both on XX/XX/XXXX and XX/XX/XXXX ). According to XXXX XXXX ( ID # XXXX ) on XX/XX/XXXX, they did not report us again, but our XXXX score went down 62 points in one day as a result of their second negative report.
beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, Select Portfolio Service and XXXX XXXX XXXX. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I  stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}
U.S Postal Certified Mail No : XXXX GA XXXXCc : ExperianXXXX XXXX. TX XXXX. GA XXXX. PA XXXXXXXX, 2015RE : XXXX- REQUEST FOR PROOF OF CLAIMAccount # - XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Georgia Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
Experian had a security breach and my information was accessed and fraudulent accounts are on my credit report that need to be removed. This is a federal violation of the FCRA. These accounts are not mine and need to be removed from my Experian report : 1. XXXX # XXXX 2. XXXX. XXXX   XXXX/XXXX # XXXX, XXXX, and XXXX. 
3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX # XXXX 8. XXXX XXXX # XXXX 9. XXXX XXXX XXXX. # XXXX 10. XXXX # XXXX 11. XXXX XXXX # XXXX 12. Chapter XXXX bankruptcy discharged # XXXX
I had a credit card with my ex-husband as co-applicant. When we divorced, he was taken off the card and the credit card company reduced the credit limit dramatically. On my credit report it lists the " High Credit '' as {$14000.00}. The current credit limit on the account is {$8000.00}. I do n't remember ever having a balance of {$14000.00} on the card. Is that the earlier credit limit when there were XXXX of us? Is this something that should be ( or can be ) corrected on the report? Does it affect my credit?
I have never been late on my closed account with gm financial, I have a late payment showing for the month of XX/XX/2017, I have disputed this numerous times with gm financial and the credit reporting agencies directly, this is my final attempt before I pursue legal action against gm financial. I have never been late with this account and I have documents to prove such.
I 've never liked the vehicle I purchased from carmax. Unfortunately, when I bought the car I was working close to XXXX hour weeks, so I did n't have time to return it within the time allotment. 

In XXXX, I went to return the vehicle and they were going to allow me to return it if I paid an {$80.00} fee. Now, they are allowing me to return it, but the new balance has increased to {$1500.00}. 

I 've been in and out of the hospital for the past XXXX months. I want to return the vehicle but I 'm afraid they are just going to screw me out of even more money if I surrender it instead of return it. 

I 've been disappointed in carmax for a while, but I do n't know how else to resolve the problem. I ca n't pay for the car or the upkeep or the insurance, and I do n't have money to file for bankruptcy ... which would be the only real option for me at this point. 

My debt is already uncontrollable. 

Please help me. 

Thank You,
I am receiving letters that are addressed like they are from my lender, however, they are really from third party companies phishing for people to sign up for a loan protection. Not only are the letters worded as though they are from or on behalf of the lender ( misrepresentation ), they also include specific information such as the exact loan amount which I find to be a breach of personal information.
In XXXX 2015, during a 3-way conversation with Wells Fargo rep and XXXX XXXX, WF rep talked about my account information that was outside the realm of what the refi company was asking for. I only gave permission to the WF rep for each question that the XXXX XXXX asked, so there was no need for the WF rep to volunteer any information or say anything unless I gave permission for her to answer the XXXX rep question. Without being asked, the rep talked about my monthly payment and stating the amount that was due and asking when would I be making a payment. The refi person stated that she should not be privy to this information and disconnected the phone call. After this 3-way conversation a yes to refi was turned into a no with no valid reason why refi decision was changed. My complaint is that the WF rep gave out information without my permission and information that was apparently detrimental that lead to my denial of credit. What I want done is to receive monetary compensation from WF for this denial of credit due to incorrect release of information by WF rep.
Good morning/evening, On the following dates of XX/XX/2017 XXXX filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.