WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed and contacted Equifax NUMEROUS times since XXXX of XXXX. They ca n't seem to get my credit report correct. However my biggest problem with them right now is they will not release my credit score to my mortgage company so we can get our approval. Because of them I have numerous hard pulls against my credit and we have lost homes that we wanted to purchase because of them. I personally spoke with Equifax on XXXX XXXX XXXX in regards to releasing my score. They told me it would be fixed within 48 hours, however when my mortgage company pulled my score again this week it still shows nothing. I have numerous good standing accounts that Equifax has yet to show on my credit report, but XXXX and XXXX have them. Equifax also wanted me to confirm my identity. I have faxed over that information numerous times to them and they still tell me they do not have it.
On XXXX/XXXX/XXXX I discovered my credit information had been part of the Equifax hack. I am very concerned for my future now. I was planning on buying a house next year and now I feel as if everything is up in the air.
RE : CFPB Case number XXXX Be advised this case has been settled and closed.
I sent a letter around  XXXX   2017 asking for this debt collection company to show me proof of valadation of this medical debt and they have not sent me anything to prove that it is actually my indeed debt. I have waited pass the 30 days to give the company time to respond to the debt but nothing has been sent to me via mail showing proof that this debt with First Fina  ncial Asset Management is actually  my debt.
Just checked my Equifax report and found that my score had been reduced XXXX points and I have NOT paid any creditor late. I disputed payment had occurred in XX/XX/2018 on the XXXX XXXX account but was corrected by the Company. I contacted the the company but was just given general information and told to contact a local lender
In XX/XX/XXXX, my wife and I was told by my account manager at XXXX  XXXX that due to Hurricane Irma which affected our home in XXXX Florida, we /I would be eligible for a 90 Days Forbearance so that we/I may repair our home damaged by Hurricane Irma and at the end of 90 day Forbearance that I may request another 90 days Forbearance period and it would be put on the end of the loan. Over the past 5 months we were also told that we did not have to apply for a modification and there is no needed for a modification since the bank would automatically place any missing payments on the backend of the mortgage loan and the loan would be extended automaically. 

Today our roof is still not fixed and some repairs were made and we are also l awaiting resolution with our public adjuster estimated lost of {$160000.00}. which has been submitted to the home insurance company for a new roof. 

Since XX/XX/XXXX when trying to make payment arrangements we are told that any months behind during forbearance will be put on the end of the loan and we can extend the forbearance again to XX/XX/XXXX. 

We are told again that we would have to wait until the forbearance is finished before any payments arrangements could be made. 

As of today my wife wante to make payment arrangements to pay regular payment plus additional funds o XXXX starting XX/XX/XXXX however again my wife is told that the bank could not accept payment arrangements without modification application. So we have completed application for modification and payment arrangements. As of today we are also that the Mortgage would no longer be serviced by Bank of America and it will now be serviced by XXXX XXXX  as of XX/XX/XXXX and this was requested by XXXX XXXX XXXX XXXX The Investor request. 

As of XX/XX/XXXX to date since we are consistently being mislead we are asking for CFBP to help us to come to a resolution for Bank of America to accept payment arrangements so we could bring our mortgage payments current and not be transferred to XXXX.
The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX del XXXX everything else on there is incorrect
I recently on XX/XX/2018 logged into my XXXX XXXX account to check my balance on my store credit card, and found out that XXXX XXXX had recently opened up a new line of credit in my name in the form of an XXXX XXXX XXXX credit card that I did not apply or authorize for. I contacted their customer service center and was told that they could not closed down the line of credit until I got the card in the mail. I was then told when I get the credit card in the mail to activate it and then call them to cancel it. I informed the lady at customer service, that 1. ) I never applied for or authorized this new card in my name and this was illegal to issue a new line of credit in a persons name without their knowledge or permission. 2, ) I demanded that it be shut down and they said " well there is a XXXX   balance on the card and I will have to wait to get the card in the mail ''. The lady in customer service stated it was too late to cancel because the card has been sent in the mail and I was passed the deadline. I informed her that I never applied and have not received any credit card yet either ... .so that I can cancel this illegal line of credit. 

I am reporting XXXX XXXX Credit Card and XXXX XXXX for illegally opening a new line of credit in my name without my permission or knowledge, and for them refusing to cancel the card at my request. 

I am worried about how many other people this has happened to without their knowledge and are being taken advantage of.
I applied for  a Fifth Third Mastercard and was granted a card with a {$7500.00} limit. t 's been a nightmare trying to use the care ever since. Almost every time I try to make a purchase they decline it and shut off my card. The first 5-6 times this happened, I called in and answered some security questions and they reactivated the card. The 7th time it happened they were very rude and told me I had to go into the bank with my id documents and have the documents sent in from the bank. I did so. Once I did that, I called the fraud department back and they assured me that the card would be reactivated and that this kind of block would never happen again. My card was cut off again within 2 days. Then when I called in they kept saying the card was under corporate review. I asked who I could speak to about it and they said nobody. It 's been 6 weeks. I 've received 3 voicemail s from a lady apologizing that she has n't resolved it sooner and says cryptic things such as investigations and companies she needs to speak with. To date the issue has n't been resolved. What 's worse is now I am totally locked out of my account and can not see any information, do an online bill pay, etc.
hi I 'm on payment program with American express from XX/XX/XXXXthey setup the payment to be withdrew automatically from my XXXX account every month i just receive a letter from them says I 'm no longer on this program i try to speak to them on the phone why they cancel it they tolled me sorry we do not have access to your account no more and they send the balance to a collection agency, upon check my XXXX account today i found they stop to withdrew the payment last XX/XX/XXXX they did not call me or send me any notice for why they stop taking the payment and why they cancel me from this payment agreement, I 'm enrolled in auto-payment since i start this program i never cancel it, and onXX/XX/XXXX i did call you to ask if i need to renew the auto-payment the representative tolled me no i do n't need too its been setup till the balance payed off ( check my call recored with you ) and you did verify my phone number and email address on this call. no one tolled me i have enrolled again since I 'm already enrolled on this program and because you tolled me when i setup this program with you the system will automatically send you statements and balances and notification even if the account closed and I 'm on payment program, i did not receive any calls from you about any change on our agreement and i just call you less on month of your notice onXX/XX/XXXX so i assume this is automatically from you system as you tolled me account number XXXX
I am divorced from XXXX XXXX XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, XXXX As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX XXXX Bank and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
As a second item, I have worked quite hard to satisfy all outstanding debts to the creditors at XXXX, XXXX XXXX, and XXXX. These debts are still showing as unsatisfied ; this is simply not true. Please correct these errors. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?
Bayview loan servicing is using a delay tactics to provent the transfering of mortgage loan to the XXXX XXXX XXXX 's XXXX XXXX XXXX. credit union requested payout of loan number -XXXX-they said they could not send it until XX/XX/XXXX. XXXX XXXX XXXX 's XXXX XXXX XXXX also reqused the verfaction of mortgage they are also saying they can not send until XX/XX/XXXX. This is a delay tactic and it is not necessary to take that long. <P/><P/>The XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX
American Express Centurion Bank is unreliable as a bank for disputes against unauthorized transactions period. They closed my account out after they though XXXX charges I authorized were not authorized!!!
This delinquent notice appeared on my XXXX account and stated this XXXX acct was opened this past XX/XX/2016. I do n't have a current XXXX acct at my current residence. I have n't received any notices or phone calls regarding the {$170.00} balance owed. I disputed this with XXXX but came back as being " valid '' '. I know for a fact this is not my acct and need this removed from my credit report.
I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  two  account on my report as well.
Equifax is still reporting a fraudulent account XXXX XXXX XXXX after I sent certified my fraud and police report, they are violating the FCRA federal law and section 601 which states that the credit has to block and remove any fraudulent information that is being reported on the consumer credit report. This is illegal and I will file a lawsuit against equifax if they do not remove the fraudulent account from my credit report. I have notified my consumer attorney and he is sure there will be a lawsuit filed for monetary relief.
I purchased my home on XXXX XXXX, 2014 and signed a HUD for a FHA mortgage. I paid an upfront premium and I have paid monthly premiums since my XXXX payment. In XXXX, I discovered that FHA had not insured my loan. I contacted my loan servicer, Dovenmuehle Mortgage, and I was told that I would not receive a refund because HUD was holding my payments. I received a follow-up call from HUD in XXXX and was told that my premium had been refunded back to my servicer, Dovenmuehle. I have contacted Dovenmuehle multiple times regarding the status of my premium refund and information on monthly payment updates and was promised a call back and no one has called. I also called XXXX HUD departments and no one can find a case number or information on my situation.
i recently did a free credit report when i noticed a derogatory mark from XXXX XXXX. I am not aware about this debt of XXXX dated XXXX of XXXX. I sent a letter to the company asking about what debt they where trying to collect, but in response XXXX XXXX stated i owed the debt.
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Your company who i have no contractual agreement or any ties to for that matter, has listed inaccurate debt on my credit report, which is a direct HIPPA violation. Please delete this debt.
I have been a victim of identity theft. I have a FTC affidavit and a police report and XXXX, trans union will not remove the XXXX account from my file. It is not my account. I have for 6months now sent them my info and asked that they verify and they never do. Please help me get this taken care of
I have 2 Capital One credit cards. I had 3 at one point, that were all used and paid on time. Earlier this year my card were restricted. I contacted Capital one numerous times only to be told that there was an investigation ongoing. After 2 months they eventually told me that the card was approved in error and it must be closed, but that I could keep the other 2 cards. Since that time I have continued to use those cards and pay on time and even received a credit limit increase. Today XX/XX/17 one of those cards was again restricted. I contacted Capital One again and after 2 hours was told my card was under investigation and that it may be closed but that I would have to wait days for an investigator to contact me.
Freedom Mortgage Company said that AutoPay was active for one of my houses. I put enough money into that houses account to pay the mortgage for a year. After 3 months I received mail that the house was in foreclosure. I immediately tried to log in to pay the past due amounts but was unable to, and was told to speak with Freedom 's attorneys. 

After speaking with the attorneys, they sent me a reinstatement letter from Freedom Mortgage, which listed the past due amount, along with a laundry list of additional fees that were never explained. The past due amount was roughly {$5000.00} - however they tacked on another {$5000.00} in fees. Getting nowhere on answers from them, I decided to hire my own attorneys. 

My attorneys could not get answers from Freedom 's attorneys or Freedom Mortgage for months. We unfortunately had no record of the autopay setup, so my attorneys pretty much said that they can keep fighting this - however it will likely result in the house foreclosing. I basically had two options, let the house foreclose due to the ridiculous amount of fees Freedom wanted to collect, or suck it up and pay all the fees so that my credit didn't get destroyed. 

So after a whole year of back and forth and getting no answers from Freedom, I finally decided to stop all the bleeding from both sides. The past due mortgage payments were {$17000.00}. I was happy to pay that. However in order to get the loan reinstated, I had to pay them {$26000.00}. The rest were all their fees. This does not include what I paid to my attorneys to try to get this whole issue resolved. 

All I wanted the entire time was to talk to someone at Freedom about the fees and see if there was a fair resolution given the circumstances. I am incredibly displeased with how this whole thing transpired.
On XXXX/XXXX/2016 Fedloanhelp.org had an Ad on XXXX to reduce student loan payments. I clicked on it and spoke to XXXX and XXXX. They both explained their company was a not-for-profit and they would assist in the paperwork needed to work with the Department of Education and my loan service provider, XXXX. They asked for my bank account number to setup the new reduced payment, XXXX XXXX and had me electronically sign an agreement all in one call. They stated I would get a package in the mail to confirm everything but that never happened. 

On XXXX/XXXX/2016 this company started debiting my checking account for {$100.00}. I sent documentation to XXXXXXXXXXXX asking why since XXXX had sent me an email stating XXXX was due for the 12 months. His response was this " Your payments are always made in advance because we never want you to be disqualified from the program for non-payments. That is why we set it up this way for all clients so they do not have to worry about any problems in the future. '' On XXXX/XXXX/2016 this company debited my checking account again for {$100.00}. 

On XXXX/XXXX/2016 I called XXXX and spoke to XXXX. I asked if those 2 payments reflected on their system. The representative advised Fedloanhelp.org was a fraud company and that I needed to file a complaint with the Consumer Affairs. 
On the same day I emailed XXXXXXXXXXXX the following : " The last 2 payments your company has taken out of my bank account do not reflect on XXXX 's website as being applied to my loan. What is going on? " As of XXXX/XXXX/2016 I have not received a reply from them.
I requested from XXXX XXXX and XXXX XXXX to remove Hard inquiries from my Equifax credit report. They have acknowledged they would. concurrently I had request Equifax to remove these inquires, knowing they should be. They have refused, however Both XXXX and XXXX XXXX have certified they should be remove. ( see attachments. )
Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. XXXX, Experian, and XXXX   responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I  contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.
I know I am passed due on my payments, due to no employment I was not able to give a payment yet. XXXX XXXX calls me everyday about 20 times a day or even more to tell me about my payment which I already know about. Today XX/XX/2018 they called my father about my business, which I think it's not professional. First of all, I don't know how the company even got my father 's information when I never gave the company his details or anyone elses.Second, I think it's total harassment for them to be calling me so many times and now even calling my father and leaving him voicemails about my personal business. I will give a payment as soon as my first check arrives, like I told the company already I was unemployed for the past 6 months like they mentioned to me. I know what I have to take care of, I haven't done so because I had no money to do any payment.
I fell behind on my monthly lease payments. My vehicle was taken by the bank. 
I called to reinstate and was told that I did not have that option because my payment history was not good. I was told that I would be obligated to pay {$36000.00} by XXXX/XXXX/16 in order to get my vehicle back. I inquired whether or not I could pay the cost of the remaining months on my lease rather than the entire cost of the car. 
I was told that paying the remaining payments under my lease term was not an option. 
I must pay the {$36000.00}. My credit report only indicates that I am obligated to pay the balance of the lease it does not state {$36000.00}.
I 'm submitting another check stub with XXXX XXXX XXXX XXXX XXXX. My account for direct deposit was with them in XX/XX/XXXX. This is the year I was given the XXXX XXXX XXXX XXXX in the doctors office. This almost caused my XXXX. In XX/XX/XXXX I filed a medical malpractice law sue. All prepared my XXXX. Case number XXXX.
I called Wells Fargo to see if I could get a loan modification to reduce my monthly student loan payment. They told me that I would not qualify for a modification because my co-signer and I together make too much money. They told me my only other option is to go do forbearance. I do not want forbearance, I would like a more affordable monthly payment.
Due to a medical hardship affecting my XXXX daughter, I started the loan modification process with SunTrust in XX/XX/XXXX because my wife and I had to leave work to care for our daughter and we were adversely affected financially. 
My first request for assistance was denied in XX/XX/XXXX because " income was NOT sufficient '' for an affordable modification. My wife returned to work on a flex schedule to improve our eligibility. 
My second request was denied in XX/XX/XXXX because of a " lien error '' affecting the SunTrust 's 1st position. I spent money and time fixing this. 
My third request was denied in XX/XX/XXXX because " income was sufficient '' for a modification. I appealed. 
My fourth request was denied in XX/XX/XXXX because of a " prior loan modification ''. How is this possible?? Why was I not informed this ten months ago when we began this process? 
If SunTrust is not engaging in fraud, it is at a minimum grossly negligent. I spent almost one year in the loss mitigation process, where life decisions were made that impacted the well-being of my family to be told that I never was eligible from day 1?? When I spoke to SunTrust 's mortgage escalation staff member XXXX on XX/XX/XXXX and asked when these investor guidelines changed she responded " I do n't know '' and later said " be glad you received a prior modification ''. I requested a copy of these investor guidelines effective for XX/XX/XXXX and XX/XX/XXXX and have not received anything. For reference, the prior modification was done in XXXX and was completed because SunTrust had put me in a subprime interest only mortgage product, yet I was A tier credit.
Navient has made repaying loans over the past few most almost impossible. I currently have no income and am unable to make payments at this time. I have provided them with needed income and financial information for other repayment options. They have refused to use this information properly. Instead they told me that my monthly bill payments to other credit cards were not what I was telling them, which was false on their end. They made it impossible to come up with a solution such as lower monthly payments due to me not having an income. They also harassed my elderly grandmother who is my cosigner to pay the bill which she is on social security and can not afford either. They lied to me and said that they could only help me with repayment options if my bill was XXXX months or more behind. Then when I waited like they said they made it impossible to get any thing accomplished. I have also in the past paid fees in order to have my loans " put on hold ''. Navient had been untruthful and a disgraceful company. Not only have they made it hard to repay loans but they have made me rethink why I even went to college in the first place.