WillisBack/dataset-financial-user-claim huggingface dataset:
I have applied for a loan modification and because I now make enough money they do not want to approve/or review me for a loan modification again. I was told by a HUD credit counselor and other government agencies that since I experienced such great hardship I was able to qualify for a loan modification. Why am I now being penalized now because I now have my full income and not on sate furlough. This is n't fair and I am asking for a fresh start to begin my payments again. Is there anything you can do.
I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankruptcie s ( below ) on my credit report due to Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Equifax  Information Service , LLC, I di d not know the source of their information on those judgments and bankruptcies and due to this, Equifax ha s violated the Fair Cred it Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy  Ref.  #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated
In XXXX 2015 I called XXXX XXXX and gave them my information. And they told me that I was eligible for debt forgiveness of my debt being completely forgiven. But afterwards I found out that they just switch my laundry to something else and told me that I was accepted for forgiveness but I did not get it afterwards. My loan was n't reduced or forgiven and now I pay a higher interest rate. And the put me in forbearance without my knowledge.
XXXX XXXX XXXX is a fraudulent account. I have been trying to get the account removed for months. Every time I receive a dispute complete letter from Equifax , it says, we verified that this account belongs to you. So, I went to my local police station, filed a police report and got an identity theft affidavit. The officer at the station even called XXXX XXXX XXXX and was told if I send in those XXXX documents, that Equifax would be allowed to delete it from my credit report. So, I went ahead and faxed the information in, only to receive another dispute status saying that Equifax verified it is my account. XXXX have already deleted it. I am not sure what the issue is with Equifax but this fraudulent account is weighing down my credit score.
I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XX/XX/XXXXto   XX/XX/XXXXwhich are incorrect.
There is a collection company trying to collect on an apartment debt which NO way do I owe the amount stated. I lived in this complex for many years, gave a 30 days notice and moved and never even received my deposit back. I think this information is inaccurate and have disputed with no resolution. Please help
I used XXXX XXXX Visa Debit card and they took the {$72.00} saying it was pending though it was declined to XXXX. They will not put the money back for eight days so I can not use it.
I had fraud accounts on my credit report and I informed Equifax several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

Credit File # XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$12000.00} XXXX/XXXX/XXXX {$12000.00} CHARGE-OFF {$12000.00} Reason for disputing : Fraud Account, I contacted the XXXX XXXX XXXX and said they cleared me from responsibility on this account however Equifax is still reporting this account. 

XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX XXXX DAYS PAST DUE {$500.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX XXXX XXXX XXXX XXXX XXXX. I have never been late on this account. 

XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREED {$6500.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX XXXX. I have never been late on this account. 

XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX {$1300.00} XXXX/XXXX/XXXX {$130.00} PAYS XXXX DAYS Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX, XXXX XXXX and XXXX, XXXX XXXX I have never been late on this account. 

XXXX XXXX Hide Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREED {$5000.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX I have never been late on this account. 


Fraud Inquiries XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
XXXX XXXX contacted me regarding a charged off XXXX. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to Winn Law Group is paid. I contacted XXXX XXXX at Winn Law Group and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an XXXX account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that Winn Law Group validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed XXXX was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.
an account was opened without my permission that i dont recognize due to identity theft yet it continues to report even though i have copies of my police report id theft affidavit ftc all notarized information
XXXX is reporting i owe them XXXX, it is untrue and they refuse to remove the derogetory mark from my acct
XXXX XXXX/syncb XXXX XXXX XXXX XXXX, Fl. XXXX first after applying for what was suppose be a XXXX pay pal extra earning 2 % interest points for purchases anywhere.. the company sent me instead late fees and no interests for purchases on late mailed paper statement.. i phoned their only customer phone support provided on credit card and statement,, the auto directory was too long for wait and took hours to finally speak to complain about the issue,, which was after suppose to have been resolved according to the full payment minus the late fees and penalties associated and what was agreed would be deducted from the total due.. in which turned out not to be the case as they have continued to send me late fee charges after the fact the representatives were suppose to have waived the extra penalty fees.. note..this bank only phone support connects to ( customer support connects outside USA not in USA ) now they harass me both text phone and by mail.. i want to file a complaint and warn others of this scandal PayPal MasterCard extras scandal,, i terminated the account but they wo n't and continue harassing me.
On XX/XX/2018 I contacted Santander Consumer USA. I currently have a car loan with them and I wanted to verify that the payments I have made since the origination date of the loan have been reported to the credit bureau. I was informed by a Santander employee that the company does not report to the credit bureau. I was told that I could fill out a waiver to allow Santander to begin reporting to the credit bureau. I was given 3 different time frames that it would take to e-mail the form to me. The latest date was for Monday, XX/XX/2018. I did not receive the e-mail.
Transunion XX/XX/2018 File # XXXX XXXX XXXX I gave Transunion copy of application that XXXX XXXX gave me. The application had a different middle initial than mine. Transunion have been given proof that the account is not mine and still will not take it of.
Am being sued for credit card debt by XXXX XXXX, XXXX XXXX XXXX from XXXX, Florida. It was for a XXXX XXXX rewards card.The account was charged off and sold to XXXX XXXX who sold to XXXX XXXX, XXXX XXXX  XXXX. I was never contacted by original creditor as required by law that the debt was being sold. so it is not a true assignment of debt. The only document i received was old credit card statements. I asked for additional paperwork that proved they have the right to collect and I received nothing. 
I found out through public records of a lawsuit. I called and spoke to a representative who made me an offer that I could not afford. They would not budge. I am disabled and living on social security. I believe they have to provide me with proof of assignment showing that the account was sold from original creditor to them. I am not disputing the debt from the original card holder but only that i was not contacted and when I asked for documentation, I got no response, except that a lawsuit was filed. I found out in a advertisement from a outside mediator who wanted to represent me. In addition I asked to speak to an attorney and they refused.
We got XXXX XXXX XXXX XXXX in 2012 and after having so much trouble with it working correctly, we called them to cancel our services. They did not care at all about resolving the problems we were having with the service and was told by a representative for us to use the return shipping box they would send to us. We sent all of the XXXX equipment back to XXXX XXXX XXXX and was told that we did not owe anything on the account with them. XXXX XXXX XXXX later sent this account to a collection agency then got it back and sent it to another collection agency after a few months. The collection agency representative was not nice about anything concerning this account. They were very demanding that it be paid in full or we would deal with a crime of not paying a debt. I did not appreciate this attitude at all and this is not a good way of doing business. I would never recommend anyone to use XXXX services.
I have a Collection on my account from a car loan company XXXX XXXX ( Previously XXXX ). They are not reporting their Information accurately. It is inconsistent On all XXXX of my reports which I have disputed all XXXX reports and each report is never Updated correctly Nor deleted since it is not 100 percent accurate per FCRA. I am now requesting since the Credit Reporting company wont delete the record, And the Credit Furnisher Wont report it accurately I am Requesting Help From the Bureau Of Consumer Financial Protection.
Had a mortgage with XXXX XXXX XXXX XXXX about 10 years ago. Received an alert from Credit Karma that XXXX XXXX removed my account from my credit report and caused an XXXX points drop on my credit score. Contacted XXXX XXXX but couldn't get help.
I 'm handling the estate of XXXX XXXX XXXX. I know he has a balance due to Wells Fargo for a credit card, but I do n't know the amount. I have called and tried to reach a human there to no avail. They leave me messages from the " Deceased Management Office '' with Reference No. XXXX, and they tell me to call ( XXXX XXXX XXXX. When I call, I wait on hold and no one ever picks up my call. I 've waited as long as XXXX and 20 minutes before. I want to close this estate, but I have to pay all the creditors first.
Via the hack that exposed 137 ( approx. ) million US consumers credit data at Experian, I am apparently included. This is XXXX XXXX, 2017. I Just used their online portal to check, and my information is said to be included ( complaint portal at XXXX XXXX XXXX ). 
This is a complaint against Experian for failing to hold my data securely, and putting me, and millions of other American consumers at risk. 
This is ENTIRELY UNACCEPTABLE. We should not, in this day and age, even be using SS numbers as identification. This situation only drives that point home. But to have the very people supposed to be safeguarding that information leak it is beyond the pale. This entire model of doing business is looking worse and worse. 
I think I speak for a lot of frustrated consumers today when I say I demand something be done to 1. Punish Experian and 2. Make sure that this can not happen again.
In 2013 we finally, after almost 5 years, got a modification from Chase Bank. During that period we were regularly sent letters basically threatening us with foreclosure and put us through several trials. After receiving the modification, we were told by our representative that we would have a 2 %, {$230000.00}, 40 year modified mortgage. I ask several times if that was without any charges and XXXX XXXX said absolutely. I asked for a copy to be sent email, or fax, but he said he could n't do that and we would have to wait for the final papers. 
Upon receiving those papers we were shocked to XXXX an added on charge upon the sale of our home, or at the end of the mortgage, of {$89000.00}! They never explained the charge and we had a choice of sending the papers back within 10 days, or losing the loan. After all the stress and fear of the preceding years of not getting a loan, we signed the papers. Chase scammed us, knowing we would be afraid not to sign. 
Our desired resolution is to have the {$89000.00} waived. XXXX XXXX was the representative involved in our modification.
XXXX XXXX XXXX XXXX repossessed a vehicle that was in my possession on or around XX/XX/XXXX in Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to XXXX XXXX beginning from date XX/XX/XXXX up until the last letter which was sentXX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.
Loan #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   belonge d to a propriety that I used to own, but was sold in  XXXX . The mortgage was completely paid off in the sale however at some point   Wells Fargo noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan.
I have been attempting to resolve this matter for over 2 yrs. and have constantly been given the run around, with some of the Wells Fargo responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers may have changed after the Wachovia acquisition - you ( me ) didnt send in the correct loan number - old records may have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the Wells Fargo represent  ative  XXXX   XXXX   ( Executive Resolution Specialist ) ref erenced the WRONG loan number. When I spoke with  XXXX  the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from  XXXX   XXXX ,  XXXX  in which  XXXX  referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter y et. 2  weeks ago I physically went into a  Wells Fargo Branch (   XXXX   XXXX   XXXX   XXXX ,  XXXX , TX  )  where I spoke with  XXXX   XXXX  and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER F OR WELLS FARGOS LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by Wells Fargo
On XXXX-XXXX-2017, I sold my house to my son. During the process, I sent Quiken Loans a copy of the property taxes that I, the seller paid in full for tax year 2017 to XXXX XXXX, Georgia. Once the house closed and I received my final check, I realized that the loan company had deducted the property tax of {$1500.00} from my final check! After talking to three people including upper management, I was told that in order for me to get my money back I would have to get the money from the buyer or the buyer would have to re work his loan to add the funds to his loan. These taxes were paid in full as required by law before this loan was finalized. Quiken Loans kept this money to pay taxes that were already paid upfront in full. That's double taxation on the loan companies part! They, Quikin loans, had no write to require me or the buyer to pay a bill that was already paid as required before the loan was finalized. Therefore, I want, deserve and demand my {$1500.00} back in my pocket where it rightfully belongs!!!
Please consider my request for support and assistance to have XXXX XXXX  Update the Account Information and Payment Status on Our Credit Reports. I am newly XXXX and this situation is more than either I or my husband can handle. We have expressed our request and concerns to the lender or various occations to no avail, each time we get some one different on the phone and it appears they dont care or dont understand what im asking for. Please assist us in resolving this matter? My husband XXXX XXXX and I have an Open Active vehicle loan account of which we pay monthly payment of XXXX as agreed upon ; However upon reviewing our credit reports for both myself and my husband XXXX XXXX The XXXX XXXX account reflects in a " CHARGE OFF '' status and - that is not correct. I believe this is miss information that stems from a time when we began to go thru financial difficulties due to my failing health and loss of income - I was laid off from my employer XXXX XXXX XXXX, this vehicle account should Not have gone to a " Charge off '' status. I have been going through a medical crisis because I have XXXX and my XXXX were XXXX, which finally resulted in a financial hardship at one point we considered doing a bankruptcy but decided we did not need to bankrupt we could just work with the creditors direct - this is what we did with XXXX XXXX we reached out to the lender and learned what the total amount to bring us current was and we were informed that if we payed XXXX this was the amount that " would bring us current with the next payment due the following month, and that would cure what we were behind ''. I was very ill due to chronic condition called XXXX XXXX - it has currently damaged my XXXX function to the point that I have what is considered end stage XXXX XXXX and am now on XXXX awaiting a XXXX donor. - At the time we bought the vehicle my health was in a very different position- I was healthy. I was employed full time and it was prior to my health failure. ( I was unable to continue to work for some time beyond my control and this was the beginning of our financial hardships, I was layed off and fell ill however, we stayed in communication as best we could to advise our payments were going to be running behind and always payed when we said we would. I am seeking relief from the constant damage XXXX XXXX has done to mine and my husbands credit report. Please update the credit report to show our payments Are up to date. I am concerned about making more payments than nessessary because I dont know how much we truly owe. I am XXXX and XXXX XXXX doesnt care about that I need help and support to fix this matter. Thank You kindly for your time and attention, Sincerely, XXXX XXXX and XXXX XXXX Reg : XXXX Account
Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit.

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a  letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : XXXX XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.