WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, in 2008 I was XXXX XXXX from my job. I found another job, but was XXXX  around 54 % of my previous income. During that time, my loan was with XXXX XXXX. I asked well before my lay off if they are able to help me until I am able to be at a fairly good standpoint. I also called all my credit cards and requested the same. I have never been late on any of my accounts at that time, and I had a FICO score of XXXX. I was told by XXXX XXXX there is nothing they can do, and to make sure I sell my stocks before I default ( while she laughed ). I ended up losing a good percentage of my stocks due to the crash, as well as cashing some money out to help with my XXXX, to the point all my money was gone. It was n't until I missed two payments that I received a call from XXXX XXXX stating they can help me. 

Prior to the modification I had a principal balance of ( rough estimates ) around {$220000.00} with 22 or 23 years left on my mortgage. I then spoke with them about a loan modification. I also asked if I may pay what I can to apply to my mortgage loan. I was specifically told by making a payment, it does not show hardship and my modification may be denied. In short, when the modification was finally completed my new principal loan was now around {$310000.00} with a new 40 year term. My home was already undervalued, and with the modifications undervalued my home even further. 

My loan is now with XXXX XXXX, and I am unable to do a refinance that will make my payments lower than what I pay now. My main questions are : Why would they increase my principal balance and term, rather than keeping my original principal the same with an extended term to lower my monthly payment? 
I have spoke with multiple people who own multiple properties that all had principal reductions. I was just trying to save my one home. 

Also, now my loan is no longer with XXXX XXXX or XXXX XXXX, with no equity am I still able to refinance without paying more than I am now? 

I have a bigger family who are getting older, as prices and medical cost keep rising, while my salary has not increased. I am close to struggling again, but as before try to anticipate my options to prevent that struggle from happening. 

With the increase in principal and increase term from XXXX XXXX a mistake? I noticed those who received a principal reduction, and actually got help from the loan modifications were those who had bad credit, with multiple late payments. Was I judged base on my credit history and willing to pay? 

Thanks for your help.
This is the second time the same company by the name of XXXX XXXX posts a collection on my credit report. This account # XXXX is not mine with a balance of XXXX. It is a result of identity theft. Experian has a police report in their files regarding my identity theft. I submitted my dispute explaining this and the result was an update which did not change the reporting of said account. 

Also my experian report has an also known as : XXXX XXXX. 
This is not my name, I have never applied for any credit under this name. This is not my name this name is there are a result of identity theft. My police report also lists the aliases that are not mine.
This is now the third dispute, with Equifax surrounding an invalid and then inacurate Activity Designator value on my credit report. 

This account is closed, evidenced by the text in the comment, and the the Closed Date. 

The N/A Actvity Designator - shows NA. 
It should be CLOSED. 

I have attached a screen shot - of the XXXX account, and then also a XXXX screen shot with the BR account, and another account just like this XXXX - with the correct code. 

Please correct this code - verify its communicated status from XXXX - is correct.
My account with XXXX XXXX is paid completely and closed in XXXX of 2013. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all XXXX credit agencies but got no where. I am attaching all document for your information.
Signed an agreement to sell 10 weeks of our timeshare through a realtor and a title company in XXXX, CO. The buyer was in XXXX. We were told we needed to be registered in XXXX in order to conduct business there. I wired {$2400.00} to a bank in XXXX. I just learned that the whole thing is a scam. Both of the companies in XXXX use fake addresses, etc. Any way to recoup the {$2400.00}? Thank you.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I was overdrawn on my checking account due to a paypal charge XXXX was for XXXX dollars and XXXX cents, so wells fargo charged me XXXX dollars overdraft fee even though they took the money out of my savings account, another charge was XXXX cents and they charged me XXXX dollars over draft fee, the bank made XXXX dollars for a less than XXXX dollar mistake.
Bank  of America allo wed an account to be fraudulently opened using my personal identifying information without my authorization or knowledge in another state. I contacted B ank of America  and informed them of this to which they replied the account had been closed but my personal information including drivers license, social security number, name, and date of birth are being retained in their " black list, '' and as such I am unable to open an account with them, even though it was confirmed fraud and the account was opened without my knowledge.
The student loan company, Navient, capitalized interest on my account after graduation and the XXXX month grace period. Also, Navient failed to properly acknowledge and timely process by annual renewal for the XXXX plan. I sent several emails and called numerous times that all are documented for this to process. Nonetheless, Navient capitalized my interest again because they finally realized it was their mistake and processing. They did reverse the capitalization. In addition, my payments are not going towards principle but towards unpaid interest. I should be allowed to allocate my auto payments towards all principle first. By not allowing this, Navient and the governement are receiving more compensation for the interest accrued.
Negative derogatory marks has been placed on my credit file from a collection agency and is now damaging my credit ... i have no ownership of such debt ...
Consumer requested 3 loan modification our attempts has been unsuccessful or insufficient to create a meaningful solution. Denial of loan modification kept contributing to our delinquent balance. 
Consumer filed chapter XXXX, Mortgage company filed claim to trustee late. 
Attorney offer was {$1600.00} a month we could n't afford.
These inquiries in attachment should not be on credit report. i have attached an email I sent to a local ford dealer disputing this as well and advising them they should not have submitted my credit report to XXXX banks without my approval. 

Have you guys submitted my application to any banks today? I noticed you have pulled my credit. I hope you guys did not do a mass credit submit, if so I want those inquiries removed. Getting me approved by XXXX banks is not a good process. 
XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, I have spoke with other personnel in the management team to resolve your case. We have authorization and are currently working on it. 

When would be able to come in if it is possible? 

Best, XXXX XXXX XXXX Cities XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Subject : Re : XXXX did n't forward my credit information? If I came in could I drive it home tonight? I know with my credit issues you would need a day to try to get me approved. I could come in the next 30 minutes but not to sit around. 
Do you need any info from me, did you get paystubs and ID theft statement? 
XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, Thank you for the reply. I will get with management about the vehicle, but if you could do me a favor. We are currently not authorized to look at your credit. We would need you to fill out our online credit application. The link is HERE. Unless you just wanted to come in and sign off on it. 

Please put my name as the Sales Associate. 

I look forward to helping you get into this truck! 

Best, XXXX XXXX XXXX Cities XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Subject : Re : XXXX XXXX, I would do truck below if your still offering $ XXXX off. With $ XXXX down only would be financing like $ XXXX. 

VIN : XXXX XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, I apologize for not answering, my phone must have been receiving a call at the same time. I am getting with management to see if we need anything else and how we can help. I will get back to you as soon as have more information. 

Best, XXXX XXXX XXXX Cities XXXX XXXX Sales Consultant M : XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX AM To : XXXX XXXX Subject : XXXX : FMCC Information XXXX XXXX tried to call you back. I am still in the market and working on my ID theft has been slow on Experian and XXXX. 

Have about $ XXXX down and can get A-plan price. Based on FMCC info can you guys help? 


XXXX XXXX. 
Sent from my XXXX XXXX
I keep receiving emails from Equifax that my dispute has been resolved, but I cant access my results because they STILL have all the incorrect information. 

This is a folIow up complaint to # XXXX-XXXX Because you can only dispute 5 items on the credit report, theyre only investigating the 5 even though I have indicated that every record theyre reporting is incorrect. 

Equifax has been aware of this issue with this same woman since XX/XX/XXXX and when she was convicted of it in XX/XX/XXXX I sent the court paperwork to them for my file and THEY CONTINUED to report inaccurate/fraudulent information on my credit history!!

Ive been waiting 9 years for Equifax to get fix my account and I find it COMPLETELY UNACCEPTABLE that they arent removing this information IMMEDIATELY given their knowledge of this goes back to XX/XX/XXXX. I think Ive waited long enough. I cant fix or dispute any other accounts if I cant access the results or my credit file online. They dont get 30-60 days because theyve already had 9 years! 

THIS. IS. INSANE.
I live in XXXX, Oregon where property values/home prices have been climbing for the past few years. I bought my home just a little over two years ago. I have made on time complete payments on my mortgage. I asked that my PMI be removed. First my bank claimed that my home was worth XXXX less than I could probably make if I sold it/and XXXX less than the county assessed it for tax purposes and I disputed that. Now they are claiming I need to have have XXXX % equity -- even with the low value they placed on my home, I currently have XXXX % equity.
I have no idea where this debt has come from. I have never opened an account with XXXX Anyone Can use your name to open an account if they have colllected your personal information. I feel asif someone maybe a family member or friend took my personal information for their own benefit and opened a cellphone Account. They obviously did n't finish paying because let 's be honest, it wo n't fall back on them. I 'm Only XXXX years old, just starting off my credit score.. And my life as well, I need this fixed. 

Thank you sincerely, XXXX XXXX XXXX
I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account.
XXXX XXXX XXXX account should be removed from my Trans Union credit report as it was sent to Collections in error. My insurance paid this bill back in 2013 and the original amount was {$280.00} not {$410.00} like XXXX XXXX is claiming
I keep getting calls on my cell phone for someone named XXXX. I nor any member of my family is named XXXX. I nor any member of my family have ever done business with Republic Finance Company. I have repeatedly told them this and told them to stop calling me.
I had a personal loan with HFC beneficial. This loan had an extremely high interest rate. In XX/XX/XXXX I was XXXX. Due to medical bills an inability to work I fell behind in payments. I tried to negotiate a lower payment and make arrangements to pay with the creditor and they refused to help me. Prior to this time payments were made in a timely fashion even when they closed the brach that I usually made payments at. They continued to add fee after fee and added XXXX more years to this loan. This was a predatory loan. They used to charge {$12.00} just to make a payment online. Now my credit report is ruined because of the unfair billing practices of this company. Eventually I think this loan was transferred to XXXX XXXX. This loan was paid in full in XX/XX/XXXX. 2 years after it was originally supposed to be paid off. No explanation was ever given to the additional charges and I believe I was forced to pay fees that were undue. This company preyed on people who were desperate and then overcharged them.
In XX/XX/2018, I went to a XXXX 's store in Downtown XXXX XXXX and made a purchase with my XXXX XXXX XXXX credit card. The sales associate asked me if I wanted to upgrade my XXXX   card to a XXXX XXXX XXXX XXXX credit card. I asked her if the upgrade would result in having one or two credit card accounts with XXXX XXXX and she told me that the XXXX credit card would merge into the XXXX XXXX resulting in only one account. I agreed to the upgrade under the belief that I would have only one XXXX 's account. Several days later, I received a letter from XXXX 's informing me that my application was denied because I was attempting to open a second store credit card account ; this was confusing to me because I was told that I was not opening a second account. A few days later, I received the XXXX XXXX XXXX XXXX card in the mail. I called XXXX 's and asked if both accounts would merge into the XXXX XXXX XXXX XXXX like the sales associate told me. The customer representative told me that they were no longer doing upgrades that resulted in only one account and that I now would have two accounts. Additionally, XXXX XXXX own website states that an upgrade to an XXXX XXXX account results only in one account : XXXX   : XXXX % XXXX. I told them that I was misled to believe I would only have one account, and that if I would have known I was opening two accounts, I would not have upgraded to a XXXX XXXX XXXX XXXX. I did not agree to two accounts. Now, I am concerned that if I close one of the accounts, my credit score will be adversely affected, as that's usually the result of closing a credit card account. I also submitted a complaint via the XXXX XXXX customer service website, and never received a response. I just got off the phone ( second call to XXXX XXXX customer service ) and filed yet another complaint. Thank you for your help.
Ok education credit management corporation XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX MN XXXX. Are Harassing me and writing letters to my former attorney about a debt I Dont owe or know anything about ... First of all I want them to stop calling me and trying to trick me for information. They threatened me so gave them my attorneys name I am address they are writing him for a debt I dont owe ... In a unrelated matter hes a criminal defense lawyer. And has know knowledge of this debt they claim I'm owe ... They a embarrassing me ... because my former lawyer has nothing to do with this debt. More especially me. They have the wrong guy.. I am Disputing this debt so stop all collection action for 30 days until this matter is resolved. According to the fair debt credit reporting act you must stop all attempts to collect on this false debt.
Well fargo has robbed me. here are the accts XXXX, XXXX, XXXX,XXXX, I received a letter stating XXXX Credited me XXXX in the account ending in XXXX and it was gone. There are many other accounts I have had with well fargo. Please review all and see why I was charged all these bank fees. Thank you
Chrysler capital finance company whom I have a new XXXX dodge Journey financed with and was bought at XXXX dodge dealership in XXXX Tx calls me monthly before my payment is due, using foul language saying that I am two payments behind and demanding their money. I got a recent e-mail from Chrysler capital finance Demanding back payments for a XXXX Dodge Ram 1500 Quad cab pickup that Was paid off in full six months ago and again using foul XXXX letter words and threats. They have cussed my wife and have done so with my self. I am going to call them and tell them that due to their actions that I am NOT going to take their abuse any longer and that they are to pick up the car because I do not want to deal with their abuse and unethical practices any more. I know that it will wreck my credit and that I will have lost as far as my down payment & the gap insurance of {$700.00} that I purchased also but I have had it with them. The Dodge Journey was purchased new, I have XXXX miles on it is all. I have sense talked to other Chrysler capital Finance customers who have said that they too are treated in the same horrible manner and further, that no matter what a credit rating is that they finance, whether or not the buyer can pay for they finance the vehicles and charge extreme finance rates.
The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries by XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX
OnXX/XX/2018 I received a call at XXXX XXXX. US Bank called me. I answered the phone the caller stated her name and asked for the name she was calling for. I asked her to identify the name of the company she was calling for. She evaded the question. I informed her per cfpb when you are making an outbound call and the person who answers asks you to identify your company name you are required to do so. She refused. We went in circles for 2m and 32sec all the while her harassing me trying to trick me into stating my name or verify I was who she was calling. I repeatedly told her she was in violation of cfpb and eventually she just hung up on me. I XXXX the number she was calling from and found it to be US Bank I called them and went around and around with them for 26 minutes. They didn't seem to care they were in violation of cfpb requirements. I just called and verified they did not have my number marked as dnc as per my request onXX/XX/XXXX.
PayPal case ID for this reason is XXXX PayPal has put an illegal hold on {$290.00} in my account and refuses to allow me to withdraw my money. 
This issue has already been ongoing since XXXX XXXX or so of 2015. 
I am a XXXX XXXX XXXX, and I made a payment to elance.com website for a service. Within my own paypal account, my friend and I added her credit card to the account a few months prior so we could order a new cell phone replacement screen on Ebay. Her card was not the " PRIMARY '' card on the account, my own was. So when I placed a {$290.00} payment to elance.com, paypal used my friends credit card instead of the available XXXX in my bank account. Which was their mistake and problem they caused for my friends bank who put her into a negative balance and then charged her {$33.00} for every few days the issue went on. PayPal refused to " refund '' the friends card, and debit my account. Claiming that I had to pay that person myself, with cash. So I did so just so the friend was not out {$320.00} and was charged another overdraft fee. 
XXXX later refunded my payment, which is the natural course of action when the other party does not pay for their cost of the arbitration filing. So now that my XXXX was refunded to paypal, paypal locked my account and refuses to allow me to remove my funds. 

Aside from filing a law suit in court, I am going to try this fist. 
If this issue is not resolved in 1 week, I will also be filing that suit in my local court forcing them to A ) pay to defend and B ) cost them more money when I win the judgement + court costs.
XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX orwww.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with 'XXXX ' who said the site should allow me access to obtain my free credit report. I live in XXXX, am a U.S. citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no U.S. mail service in XXXX. We are moving back to U.S. in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.
Our firm represents a borrower in default on an FHA mortgage, currently under contract with a purchase price that meets the investor 's required net. Ditech denied the short sale because ( 1 ) the property is not owner occupied ; true, and ( 2 ) Ditech states the borrower has a credit score of XXXX or above. The borrower disagrees, has researched her credit score, and it falls below XXXX, therefore making the denial invalid and the short sale should have been approved. 

A written request was submitted to Ditech by the homeowner ( as instructed ) on XXXX XXXX, 2016. The following was requested in dispute of the denial : ( 1 ) The type of credit scoring module used, ( 2 ) The date of the credit report, ( 3 ) A full copy of the credit report, upon which the sale was denied. 

As of yesterday, Ditech has not provided any of the information to the borrower, and it remains " under review ''. Ditech has had this under review for over 60 days with no time frame for review to be complete. This has taken too long and the homeowner is in risk of foreclosure. Please contact our office should you have any questions : XXXX XXXX ( XXXX ) XXXX, e-mail : XXXXXXXXXXXX. Office hours are XXXX from XXXX until XXXX. Thank you in advance for your assistance.