WillisBack/dataset-financial-user-claim huggingface dataset:
I am hereby requesting your attention and assistance in resolving the conflicting issues on the second mortgage as depicted in the sequence of events listed below. We have been contacted with overlapping claims from several companies on the second mortgage ( HELOC ). 
Chronological sequence of events : 1. Acquired mortgage from XXXX XXXX on XXXX XXXX. 
2. XXXX XXXX XXXX sold the first and second mortgage to XXXX. 
3. XXXX XXXX,, XXXX XXXX sold the first mortgage to XXXX who then transferred loan servicing to XXXX XXXX. The first mortgage was restructured and continues to be serviced by XXXX XXXX. XXXX retained the second mortgage ( HELOC ). 
4. XXXX XXXX, XXXX The HELOC was discharged according to my credit report. 
5. XXXX XXXX, XXXX XXXX sent " offer to satisfy '' letter for the HELOC. 
6. XXXX, XXXX XXXX filed for Chapter XXXX. 
7. XXXX XXXX, XXXX XXXX sold the HELOC to XXXX for servicing as a result of the Chapter XXXX. 
8. XXXX XXXX, XXXX XXXX letter informed me that the HELOC was " charged off '' according to records acquired from XXXX. 
9. XXXX XXXX, XXXX XXXX issues an Assignment of Mortgage to XXXX. 
10. XXXX XXXX, XXXX XXXX assigns Power of Attorney to XXXX. XXXX XXXX, XXXX XXXX transfers servicing to XXXX XXXX XXXX XXXX, XXXX. Shortly after, XXXX XXXX XXXX XXXX, XXXX transfers servicing to XXXX. 
11. XXXX XXXX, XXXX XXXX issues an Assignment of Mortgage to Partners for Payment Relief. 
12. XXXX XXXX Our attorney send a letter to the attorney representing Partners for Payment Relief in an attempt to reach a settlement, although the last payment on the XXXX, XXXX XXXX, is past the 6 years Statutes of Limitations. Our attorney reached again in XXXX XXXX. No formal response has been received from Partners for Payment Relief to this date. 
13. Our attorney is formulating a legal Quit Title in order to clear the clouded title as a result of the second mortgage.
Commerce bank started charging customers a {$3.00} statement fee in XXXX of 2017. They did not seek authorization to do this, they simply put a note on a statement saying they were going to charge for this. They also said you could unsubscribe online, which you cant. I had no idea about this fee as they had disguised it in the billing ledger as a service fee. Upon reading through my statements, they call it a statement fee on the ledger on the paper statement and they do not list it in the itemized charges they show for fees and other services charged on the invoice. Attached you will find a screen shot showing these things. I contacted commerce and they basically said, " we told you on the XX/XX/2017 invoice we would charge you and so you should have unsubscribed then ''. They then proceeded to tell me I needed to come in to the bank to clear this up and turn off the statements. I was also told by XXXX XXXX, complaint handler at Commerce, that they couldn't possibly have asked customers online to opt in or out of this or even notify customers this was happening. I told her they could've prompted customers at login but the point of this move was to quiet take money from customers without them noticing. They are literally sneaking and mislabeling fees to generate revenue.
My daughter tried talking to Sallie Mae the lender and was told informally that she would have to be past due for three months before they would help her. I am co-signed onto this loan and apparently they are now coming after me for payment. I have received several phone calls from them and the voicemail asks me to call them.
I went to access my three credit reports and when I got into EXPERIAN report it would not let me out until I created an account for monitoring. XXXX EXPERIAN?

I thought the only way to get my last transition report was to create an account which I did?? It then kicked me off the site. I tried approx 15 times and finally I was able to access transition account.

When I kept trying it did not ask me to log in. When I looked over my reports the following day XX/XX/XXXX XXXX EXPERIAN WAS ALREADY ON MY REPORT. Today XX/XX/XXXX I received an email from experian asking me if I wanted them to search the dark web for info regarding my social security number use or my personal information.I did.not open the images. Now I have many disputes that I wanted to notify the credit reporting companies but I don't feel safe doing that right now. I have court in XX/XX/XXXX for a divorce hearing and I need a lot of info from those reports. What should I do.
I disputed TD Auto finance on my credit report because it was reporting that I was delinquent after the account was discharged and closed since 2010. After the credit agency contacted TD Auto, they reopened my account and updated it as delinquent with several late payments and the previous XXXX balance updated to {$2500.00}. Then two days later, TD Auto reclosed the account. This cost me a drop of XXXX points to my credit score. This has to be illegal. I should not have been penalized for disputing a charge on my credit report, but I was! Please help!
Hello, we received and auto loan from Ban k of America  in  XXXX   XXXX . Payments for first 3 months were done by auto phone. In  XXXX   XXXX , I set up recurring Auto Pay through Online B O A. Recently, we found out through looking at our credit report that Bank  of America r eported us late for  XXXX   XXXX  auto payment. In early  XXXX   XXXX , I received a check made out to " Ban k of America Auto Loan ''  for the payment amount. At that time, I called the phone number on the check. I was then told that it was not a check but a receipt for the  XXXX   XXXX  auto payment. This was not true -- it was live check which I then threw away. This incident created a big credit problem. At this point I thought the payment was made, but it was not. This created a drop in our  credit score  of  XXXX  points. I can prove that the money came out of our Bank  of America c hecking account for the auto Loan, however it was never applied to the loan account.   I have spoken to many people at Ban k of America a nd asked them to reverse the  XXXX   XXXX  late payment. I am getting the run around. No one will take responsibility. I have been to told to dispute at the credit agencies, which I have, and wait for the process/investigation to complete. I am not satisfied with this response. We have been their customer for 25 years. I would like for the CFPB to investigate to help resolve this issue for us.
The company is Transunion, I was car shopping and was looking for the best finance charge I could get. There were 11 inquiries made on XX/XX/XXXX to the XX/XX/2018. I was under the understanding that if your inquiries are with in 14 days of each other it counts as one inquiry, Trans Union counted them as 11 different inquiries they did the same on XX/XX/XXXX & XX/XX/XXXX which makes my credit report look really bad 20 plus inquiries, now the credit union will not give me a loan because of to many inquiries. If they would show them as 1 inquiry each it In XXXX and XXXX it would show as 2 inquiries and would not affect my chances of getting a loan. When I agreed to have these auto dealerships find me a loan at the best rate, I didn't agree to 11 or more inquiries which now is preventing me from getting a loan. There needs to be some kind of change to how they show these inquiries so people like me do not get affected. Its not just trans union either all three do this but the other 2 seem to lump some together. Trans union does not.
I made a settelment amount paid it and they are showing on my credit report that i still have a balance in collections.
On 2009, my XXXX year old daughter and I inquire at XXXX College ( formerly XXXX XXXX College ) about their XXXX XXXX   XXXX ( XXXX ) course. The person on Admission explained to us that there are Government grants that they can help my daughter to get into the Program. Next thing I knew, they made me sign some papers without disclosing to me anything, but as a parent of the student because If they disclose that I will become a co-signer or will owe some, we will not proceed. Couple of years later, I started receiving Invoice from a company called ECMC that I owe them from XXXX College. Because of my Ignorance at that time, i made few payments of $ 300-350, then when I miss some payments, ECMC wrote me a letter saying, just make a payment of {$100.00} per month for twelve months, the loan will be finished. So, I did gave my bank information and they were taking automatic payments for one year.  Later on, I received Invoice or bill from company XXXX and said, it was sold to them. I started to keep wondering, how did this ever happened well in fact i never signed anything from the school. I heard about loan forgiveness from a lot of companies soliciting on my phone until I encountered and speak with a representative from " XXXX XXXX '' Company and they promised that they will help me convert this loan to " loan forgiveness from President Obama. So, I pay them {$500.00} processing fee and have been arranged to pay {$35.00} per month but I must pre-qualified or apply every year. Now, they were saying I got denied and must start paying {$280.00} per month. I said to myself, that's it, this is not my loan, I was not disclosed and provided documents that explains I owe this loan which is now {$35000.00} plus. I called and ask help from our Congress maker Mr. XXXX XXXX that handles Federal Level / Department of Education Issues or Complaints and Mr. XXXX XXXX and XXXX told me to follow the process. Please help me get this unauthorized loan that was just passed on to me because I was just a parent who not knowingly aware what I was signing at that time. Over this years that I was so stressed, worried and overwhelmed with this problem, I became sicker as a XXXX XXXX year old mom. My XXXX XXXX XXXX was getting worse and thinking I will just die with this problem.
XXXX XXXX has placed XXXX credit inquires on my Experian credit report in XXXX, XXXX, and XXXX 2014.
I received a check for {$20000.00} from sales proceeds in a real estate transaction. The funds were disbursed to me from an attorney handling the closing for us. Closing took place on XX/XX/2018. I promptly deposited the funds into my account later that same day. Thereafter, I left to go on vacation. 

On XX/XX/2018, while in Tennessee visiting friends and family, I went to a local branch for my bank to check on my funds. I learned that my account was closed. I followed up with the bank to try to find out what was going on and I was told that the check I deposited on the XXXX needed to be verified. While on hold, the bank called the attorney who verified the check, and then I was told there was nothing that the bank could do, the account was closed, and that a cashier 's check was going to be issued in about 7 to 10 days to me for the account balance. No reason for the closure was given. 

I returned home to Washington state on XX/XX/2018. I still did not have my funds. I went to the bank and was still told that the account was closed and there was nothing that could be done. I also still had not received by funds. I checked my mail and saw that on XX/XX/2018, the day after I made my deposit, that my bank sent out a letter, post marked on the XXXX, that I could not use my account because it was blocked for not providing information or because of some kind of activity. The bank would not explain what information was needed, if any, or what the activity was. No reason has ever been given for why my account was closed and funds still withheld. 

I had the attorney who issued the check confirm with his bank whether or not the check cleared. The check had cleared. My bank is holding the funds and is refusing to return it to me. A copy of the letter they sent on the XXXX, dated the XXXX, is being uploaded.
My information was part of the XXXX and Experian data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.
Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX, Experian and XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
There was no completion to the complaint or investigation into a resolution. I have called every week for 90 days and sent 2 letters certified mail. The lender came back with a response to the issuance of the loan being given to me in an inept state. The XXXX XXXX XXXX XXXX has stated that an individual who doesnt complete high school or the equivalent is not prepared for the task of understanding the debt that will accrue in college. Their response to me filing paperwork supporting this happened was that I stated on my forms applying for the loan i checked a box stating I had graduate high school or its equivalent. I checked the box without understanding that a high school graduate even needed a diploma. Not only did I not graduate high school I only went to a year and a half of school my entire life through XXXX.
I disputed an error on my credit report previously. It was fixed at that time. Now XXXX has again messed with that same account and has this old, closed, satisfied account marked as LATE as recently as XXXX/XXXX/XXXX!!! The balance of this account has been XXXX since XXXX XXXX. It now shows a balance of {$4500.00}. 

I tried to dispute the error with this account AGAIN and I am told that I can not dispute it because it has previously been disputed. I called customer service and the employee became HOSTILE towards me. 

This account is WRONG. it is not late. It was satisfied and closed in XX/XX/XXXX. I want the account removed immediately and permanently. Even if it were to be fixed AGAIN, I no longer trust XXXX to not change it back. 

Remove SCHOOLSFIRST FCU " installment loan '' XXXX opened XXXX/XXXX/XXXX original amount {$6000.00} immediately and permanently from my report. I have proof that I have previously disputed this SAME account. I will be reporting every error from now on. I am sick of this. XXXX and XXXX have it right. XXXX IS TRASH.
Currently a collection with a significant balance was reported on my credit file. I have not received any notification from this collection agency informing me of what this debt is or where it originated from.
Our credit card was hacked after paying someone through PayPal. Our bank cancelled our card, but I just received a letter from PayPal Credit advising me of a newly opened account. I did not open this account and a phony email address is listed for me.
We had a mortgage with XXXX XXXX XXXX, which mortgage was assigned to GreenTree Servicing, LLC. In XXXX 2015, we received calls from GreenTree stating that our payment had increased and we needed to pay an additional {$36.00} per month ; however, no one could explain why the payment was increased. We were told the taxes must have gone up ( we retrieved the real estate tax statement - no increase ). We were told that the homeowner insurance policy was increased ( we called our insurer - our premium went DOWN ). We requested and received the escrow statement from GreenTree. It states that our payment is based on projected figures and states that our payment increased to {$25.00}. On XXXX XXXX, 2015, I was told that we should have paid to avoid the hassle of phone calls and a bad credit report score. On XXXX XXXX, 2015, I faxed a letter to GreenTree requesting that the phone calls cease and that they validate the amount we owe. GreenTree responded by sending us a mortgage default package. Our regular mortgage payment is paid up to date, as it is paid electronically by our bank.
The company that I am having problems with is Experian. Over a year ago I had to declare bankruptcy. When I filed bankruptcy it was supposed to clear out my debt and give me a restart on my credit. I understand the bankruptcy will be on my credit report for up to 10 years. 

The problem is Experian is including 10 accounts that I was not able to pay and showing them as delinquent. These accounts were settled with my bankruptcy and they should not be included in my credit report. 

I do not have this problem with XXXX or with XXXX XXXX. What can I do to get Experian to remove those 10 accounts that were more than 60 days behind from my credit report?
Transunion added previously deleted inquiries from my credit report. 13 days later, those same deleted inquiries were placed back on my file. I called Transunion and inquired about this and they stated they experienced a glitch and would remove them. Upon checking my report, the inquiries are still on my report and have not been removed as promised.
We had a fire at our home XX/XX/2017 when the insurance company processed checks for repairs they were made out to my wife and I and our lender Wells Fargo, We took them along with the XXXX estimate of repairs to our local Wells Fargo Branch to deposit them.We were told that we also needed a signed contract from our contractor so we obtained that and returned to the bank then were told that we needed to process other bank documents that were not provided to us were told we could n't get them online and yhey would have to be mailed to us by XXXX 5 days later we recieved them we filled them out went back to the bank and were told that the checks along with the documents would have to be mailed back to Ohio to be processed. The bank fedexed the documents and checks for processing three days later we returned to the bank as we were told that all the documents had n't been recieved ( they never contacted us to let us know ) the bank then faxed all the documents and were told they had been recieved and it would take at least 6 business days to process so the funds could be made available. It is now three weeks and we still do n't have access to the funds so that we can pay out contractor for repairs that need to be done so that we can get back in our home.
Good evening. I am having issues with Experian. I uploaded several documents to Experian Upload on XX/XX/XXXX. Someone later I received a letter advising they were going to reinvestigate the companies without new information. So, I contacted Experian on XX/XX/XXXX to clarify my request. The Rep advised there was an error and she would re enter and backdate to XX/XX/XXXX. I called back on XX/XX/XXXX to ensure all the companies were listed and I would receive Method of Verification. The lady advised no such thing was available and she vould send thier general process. I advised that was incorrect and I wanted to speak with a Supervisor. Upon speaking to XXXX XXXX XXXX the Supervisor he advised again Method of Verification is not available. He advised a system is used and my completed dispute is my Verification. I asked how does the customer know you really verified the information listed on my credit report is accurate? Again he said the verified dispute. I have 2 issues with that. One the same creditor is listed different ways on all 3 credit reports. Two according to FTC and the bottom of my credit report days, I have the right to request information regarding how an account was verified. As well they cant just parrot information they must make a reasonable effort to verify information.
My wife and I turned in an application for a mortgage loan at BBVA Compass Bank on XX/XX/2018 and was told a loan officer would contact us to help us figure out which type of loan would be best for us to apply for. On XX/XX/2018 I received alerts from XXXX that the bank had ran my credit. I expected some form of communication from the loan officer. He never called or emailed us one time, yet ran the hard inquiries on our credit and denied us the loan, stating delinquencies on credit report. I have no delinquencies on my credit report. We then talked to the local bank manager later in the week to see if the loan officer would at least speak with us one time. We were told he would call us but he never did. We then called BBVA Compass corporate office on XX/XX/2018 and was told to call the Alabama Department of Banking. When we called the DOB, they said to email them what happened and that they would take the hard inquires off our credit since the loan officer did not even contact us one time, nor do we even know which type of loan he applied us for. We were told we would be hearing from them soon but it's been a week. We want to know why the loan officer refused to communicate with us. We want to know why this happened and why our application was looked over and if factors such as XXXX and low income played a factor in the loan officer 's refusal to communicate with us and take our application seriously. We believe we at least have a right to know which type of loan the loan officer applied for. We would like BBVA Compass Bank to know that we strongly believe we were treated very unfairly throughout the mortgage application process, and that we will seek legal counsel to find out information such as the type of loan the loan officer applied for, if need be.
Pay pal credit closed my account because there was fraud associated with my XXXX account. Someone changed my address to a fraudulent address, I had to make several phone calls, at leasdt 6 hours worth!!!! They, and XXXX, were of no help to this mess! 
I called the XXXX, NY post office, and they found the items, and they are returning them to the sellers because they VERIFIED THAT THEY WERE MAILED TO A FRAUDULENT ADDRESS!. Now Pay pal, will not open up my account, when I took care of the problem myself, with no help from them!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
I want that accouont opened now!
Allied Interstate has been calling my cell phone from an automated dialer several times a day several times a week, and even after making contact with me, they still call me back to back. They will not disclose any information about their company when asked very specific questions such as : 1. What is your phone number so I can call you back? They will provide an XXXX that does n't come up on caller ID and outsourced in XXXX based on the little info I could get from them. 

2. Would not provide a website to confirm who they are? They are asking me for all this info and not disclosing themselves properly and giving false info. 

3. Will not identify themselves and the nature of their business when asked.
Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to permanent XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act
InAccurate Reporting to the credit bureau. I have mail letters to this company about their reporting to the credit bureau about an account that's not mine. 
First off the Address is not my I HAVE NEVER EVER HAD THIS P.O.BOX ADDRESS that is in there letter. That they finally sent me as verification. The FCRA stated that If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. And as we all know if you apply for something on credit you have to sign for it. It can be a credit card, cell phone, house, car. so I am asking where is the sign Document with my signature. NEVER GOT THAT DOCUMENT. This is the fourth letter that I have sent this company about this matter. So Can You Please Help me get this inaccurate information removed from my credit report. Also, the rep from ERC said that they don't care if I contract you will not doing anything anyway to help me. Because ERC is above you and your laws.