WillisBack/dataset-financial-user-claim huggingface dataset:
Sir or ma'am, I am a resident of the state of Texas and an XXXX XXXX XXXX XXXX currently stationed at XXXX XXXX, CO. I am writing to you for any help that you XXXX be able to offer in a very unique case. 

I bought a home in XXXX XXXX in XXXX with my then wife. In XXXX, we divorced. As a part of our divorce decree, the property was not immediately sold ( my intention was that my XXXX children would not be forced out of their home ) but rather the decree stipulated that my ex-wife must make all reasonable efforts to refinance or sell the property within 12 months. That did not happen and the mortgage debt and bad credit reporting remains in both our names still. 

In XXXX, after we were no longer married, Wells Fargo initiated the foreclosure process on the jointly owned property. The foreclosure was soon thereafter stopped citing protections under the XXXX XXXX XXXX XXXX ( XXXX ). Foreclosures were initiated again in XXXX and XXXX and also stopped again because of the XXXX. At this point, the mortgage has not been paid by my ex-wife in over 7 years and Wells Fargo still refuses to carry through with the foreclosure, despite me waving my rights under the XXXX. 

As you can imagine, my credit has been catastrophically damaged by this and I am still not able to provide a home for my family, 10 years after our divorce. A federal statute that was intended to protect my rights is being used against me so that Wells Fargo may avoid further inquiry by the XXXX Department, as they and other banks have been under for the many number of illegal foreclosures that have been in the news over the past few years. Wells Fargo has been unable to contact my ex-wife in order for her to wave her rights under the XXXX. I do n't even understand how she has " rights '' under the XXXX, as we were not married when they initially started the foreclosure process. I have tried many different approaches with the bank and have each time been told " there is nothing they can do ''. I understand that I am not without fault in this situation. However, I also realize that my credit would have recovered from a foreclosure or even a bankruptcy in the 10 years now since our divorce. I am feeling hopeless and as if this situation is unjust for all parties involved. 

At this point, my credit has suffered enough. I do n't even know what to ask for in regards to resolution to this case. I am simply asking if someone who has a larger scope regarding this issue can help find some sort of resolution so I can move forward and provide for my family. 

It is also my understanding that there was a foreclosure by the XXXX and then their interest was sold to a third party investor who is now trying to evict them from the property. I am quite sure there are other legal details and points of fact that affect this case that I may not even be aware of. Please help. I am glad to offer any further details upon request. 

Thank you,
Transunion updated an old account ( XXXX XXXX CR XXXX # XXXX ) that was never late to 30 days past due date.
I signed for an apartment complex for my brother. There were issues with the apartment from the start. After the first week we received a {$750.00} light bill from the previous tenants. If was very hard to get in touch with corporate b/c the rental agents refused to give me their info. My brother had a home invasion a few weeks later, while he was in the shower. I was finally able to get in touch with corporate after some online research. I had a meeting with the property manager who agreed that he could break the lease and move out without any consequences b/c of the previous situations we had. The complex is now XXXX so i can not talk to anyone in regards to this.
Hello, I was recently notified by my credit monitoring service that a new inquiry had showed up on my credit reports. The offending company is XXXX XXXX. First of all, I did not authorize this inquiry. Secondly, I continuously have an extended fraud alert in place at all three credit bureaus, which specifically states that any company who checks my credit must call me and speak to me personally due to a previous identity theft. I can guarantee you that XXXX XXXX can't and won't show you their phone records because they never one time called me, therefore violating several laws designed to protect me as a consumer. On XX/XX/XXXX I sent XXXX XXXX a letter stating that I did not apply for credit with them and let them know I had been a previous victim of identity theft, and to please remove the unauthorized inquiry. On XX/XX/XXXX XXXX XXXX sent me a letter stating that they will not remove this inquiry.
I applied for a card with higher credit limit and was offered a card with a lower limit. During the application process I was told by the banking manager that my application needed further review to clear a credit exception. At that time, I was told my the banking manager I would be approved because she has a relationship with the underwriter due to the credit issue being mine. It was a minor collection that was misreporting ( currently now being disputed ). The issue is I was told by the banking manager that I would be approved for the original card request however approved for a card with a lower credit amount and features.
I have had a checking account with Citibank for nearly 20 years. I set up this account with a no-minimum-balance requirement and with no-monthly-fee. Before XXXX I was never assessed a monthly service fee or a minimum balance requirement. 

Starting in XXXX XXXX Citibank began to assess me a $ 25 monthly fee for not having a minimum balance of {$10000.00}. They never sent me a letter stating the reasons for this fee ; I only had it explained to me in XXXX XXXX when I called to complain. 

I never agreed to this change in my account. When I asked for Citibank to explain in writing the change in my account, they refused. 

Citibank also refused to remove this monthly service charge, and told me I had to change to another " banking package '' to have it removed, but those " banking packages '' also assessed fees for a lack of a minimum balance. So I will be continually charged {$25.00} per month that I never agreed to.
Ford Motor Credit, partial acct. no.XXXX  is appearing on XXXX and XXXX credit bureaus as an unpaid charge off.XXXX  has previously deleted.

The problem stems from the fact that the car is a lemon.Ford and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT FORD WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does Ford , but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for Ford to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for.

BUT IT APPEARS THAT FORD THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.
I was shocked when I reviewed my credit report and found late payment on my account. 

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 've closed a loan through a re-finance and I am owed balance from an escrow account for taxes that was paid by the new bank -- called PennyMac -- they have told me that they paid the outstanding taxes due to the XXXX however the new bank has reported they have paid the outstanding taxes at closing. the loan was re-financed on XXXX/XXXX/2015
My daughter ( now XXXX years old ) keeps receiving credit card applications in the mail for the Chase XXXX XXXX XXXX card. In this age of identity theft, no child should be sent credit card applications, and there should be a way to permanently remove the child 's contact information from the bank 's database. This has been occurring since she was XXXX year old. I have repeatedly contacted Chase over the past XXXX years trying to address this problem. Every time, they tell me they can opt her out of advertising for a few years, but can not permanently remove her from their database. This is a ridiculous response! There is no reason to send a credit card application to a child and Chase needs to have a mechanism to permanently block this type of mail.
the company keeps calling me and threatining me harrasing me to pay debt I dont owe I keep telling them not to call they keep on calling at my work office residence please have this company stop calling me and threating me the company name is XXXX XXXX AND LOCAL XXXX XXXX, XXXX ( XXXX ) XXXX
I am a XXXX XXXX member and I received a very good offer from their credit card company, called Comenity Capital Bank ( XXXX ), on balance transfers. The offer was XXXX % XXXX till XX/XX/XXXX with XXXX % of transfer fee. I took the offer in the end of XX/XX/XXXX and on XX/XX/XXXX the balance transfer was completed and new balance appeared on my credit card account, as expected. Now, XXXX month later, I got a bill on the new balance, and the original credit card company, which is XXXX ( XXXX ), also billed me on the same balance. It turned out the balance transfer, physically, never happened, it happened only on paper, and XXXX told me that nobody paid off my balance. In such case, who gave the right to XXXX to charge me with the new balance and transfer fee, if their check was never cleared or received by XXXX? Actually I do not believe XXXX sent such check at all, and they never gave me any proof of such transaction per my request. I have all copies of the messages between myself and XXXX, which will give you more details about the issue and my failed attempts to resolve it. I 'd suggest you to request those copies from me, because they are helpful for better understanding of this problem. I can also enclose last statements from both XXXX and XXXX where you can see account transactions. XXXX did wrong charging me if the related funds were never moved from their account. Additionally they committed another fraudulent activity charging me with the interest though I paid off my previous balance with them. I can prove everything I have stated here.
On XX/XX/2017, I used my Chase XXXX credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX with my XXXX card of {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a single attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant each through the dispute and the appeals and was unable or unwilling to help resolve the dispute.
Wells Fargo 's website has been down for a week. I have gotten this message every time I try to log in : We're sorry, our system is temporarily unavailable Our system is currently unavailable, and we apologize for any inconvenience. Please try again later or call us : For account questions, please use the phone directory to find the appropriate customer service number. 
To pay a bill : XXXX For assistance with brokerage accounts : XXXX To apply for an account : XXXX ( XXXX ) To find out more about Wells Fargo accounts and services, customer service options, and locations, please go to our homepage. 

I can not log in to view my charges. They will not give me an idea of when it will be fixed. This is particularly troubling because I can not log in to pay my bill, and I have had fraudulent charges on my bill in the last two weeks and I can not log in to ensure these charges were removed.
XXXX XXXX denied my car loan application because of some insanely low credit score issued by some unknown, unprofessional company called XXXX They are a scam fishing for personal and private information and this has happened to tons of people on the internet. 

XXXX and XXXX need to be investigated and handled because it is trashing many people 's abilities to make purchases.
Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX is still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Twice in XXXX separate instances the debt collection agency has incorrectly attempted to collect XXXX separate debts from me from over a period of a year and a half ago. Both instances dealt with an old apartment I lived in. One instance the debt collector, for some reason, put me on to the account of the person they were attempting to collect from who turned out to be the previous tenant in my apartment. I have NO connection to this person, and still have no idea how I was assigned responsibility for their debt.
This is the 2nd time in 3 years I ran my credit report online.. The first report always is a success, then the next 2 fail. They have improper information that might make it fail. I have tried calling etc. Many hours into this, and they do not seem interested in fixing the incorrect info. You, would think they are XXXX or the Government. My info has been hacked also does the Gov. fine them NOOOOOO. I was able to run XXXX but then it failed because thier were address 's that I did not live at ever and maybe laons not mine. How do you pass their questions when they atre incorrect. wouod be nice if they wouod talk to me too fix errors!!!!!!! Also fix their unfriendly annual credit report. I'm 100 % sure they will say its for my security. The question like when did you take out a home loan that has been payed of for 3yrs. Even the bank couod not tell me what year I took out the home loan that has been paid for 3 yrs. Appears to me they want you too fail.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed a fraudulent inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I have called Monroe and Main and been put on hold for hours. someone needs to call me from the IT department about the issue with paying my bill. I can not pay it online. My account shows a XXXX balance and it will not recognize my account number. They have sent emails telling me how to fix it but it does not work. They are continuing to report me late without giving me a tool to pay. I will not give you my personal credit or bank info over the phone and will only pay online as I have before, their sollection practice is to lock a consumer out of the billpay system once they are late and to force them to provide bank account info over the phone. If you refuse to provide bank info to a stranger they call numerous times a day ignoring the request to unlock the online pay tool. I have requested they escalate to the compliance department but that was not done. This is the same account service for my Swiss Colony and Seventh Avenue accounts. All are late now and they are not providing an option to pay other than over the phone providing bank account info to a stranger. .My number is XXXX
Back in XXXX I was issued a lowes credit card with a credit limit of {$500.00}. Back in XXXX I made a purchase for a couple of fans. I then decided the fans were not necessary and contacted the store where I was supposed to pick them up and told them to cancel the order in XXXX. They did n't cancel the order until the XXXX. They where supposed to dispute the charges. In the meantime the charges still remained on my account and they were trying to make me pay for the said charges for product I did n't receive. Today I go to lowes and try to use the card and it did n't work. Turns out lowes consumer credit lowered my credit limit to {$100.00} with no notice over charges I disputed. I tried contacting them today and was hung up on by the representative. These people chargeed me {$35.00} late fees for items I did n't receive. Now I have a credit card with a {$100.00} limit which is damaging to my credit score because they just decided to lower my limit because of their negligence.
On XX/XX/XXXX, XXXX XXXX XXXX sent a letter starting that my truck was paid in full. It was traded in however all reports are showing it to be charged off. They claimed to my mother, XXXX XXXX, joint buyer that they marked it paid in full. I've worked 15 years in XXXX and know that it is up to the creditor to mark correctly on a credit report. 

Does this mean if I paid it on my own in full it would be charged off as well? Because that's what happened except the new dealer paid it off. 

XXXX of XXXX, owned by the XXXX XXXX XXXX issued the check to pay it off. Also. We received a overpayment check as well. Our credit scores have DRASTICALLY took a hit due to the incorrect reporting of XXXX XXXX XXXX. This needs to be fixed asap on on their end. I should not have to jump through hoops with 3 credit agencies due to the errors of this creditor.
I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXXXXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You
I had a collection account with Ford Motor Credit Company LLC I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called Ford Motor Credit Company LLC and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
I have had countless problems with my loan company. To begin with, I was never contacted by the company after my grace period had ended. Around 6 months later, they finally contacted my father. At this point, my loans were completely delinquent. This slip up RUINED my credit score. I couldn't do anything. I couldn't buy a car on my own. This had dropped my, previously acceptable, credit score into the 400s and I was told they couldn't do anything about it. As if that wasn't enough, several years they did it to me again! I apparently had another secret 9,000 - 10,000 dollar loan that I didn't know I had. So now, on top of my already monumental student debt, I have ANOTHER loan that I'm not entirely sure where it came from. Again, they sent all this information to my father without ever even contacting me. I can not stand this company. My struggles have been ridiculous.
I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a public utility debt that has not been proved with true copy originality submitted to me. Secondly, public utilities have no right to post collections on any of the pertinent credit bureaus. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!
I had a foreclosure sale date on my home for XX/XX/2018, however I was under a loan modification review with my servicer, Ocwen Loan Servicing. Ocwen told me they would be able to postpone the sale date because I had not received a response for my Modification review yet. Unfortunately, that was not the case and I guess my home was foreclosed on. On XX/XX/2018 I spoke to Ocwen and they advised me there was a rescission request in process ; I even received an email from the relationship manager at Ocwen, which I have attached stating there was a recission request in process and I had to wait for it to be processed. Once again I had hope and I was in constant contact with the foreclosure attorneys and they also saw the recission request and they advised all I had to do was wait. Then, I received a notice in the mail on XX/XX/2018 from an eviction attorney advising that I needed to be out of the property very soon. I don't know what's going on with my home and I'm not receiving much information from the foreclosure attorneys or from Ocwen. What I don't understand is why they would tell me they would rescind the sell and even send me an email advising it would be done, however they are trying to do the opposite and get me out of my home. I don't know what else to do and so I am turning to you for help.
For the past several months I have been trying to get Equifax to address an issue I have on my credit report regarding XXXX XXXX. In short, XXXX XXXX has been willfully and falsely reporting the date of a judgment against me. In XXXX, we entered Bankruptcy. We have been advised that XXXX had filed a complaint against us in XXXX of XXXX. Our attorney advised XXXX that we were entering into Bankruptcy and that our bankruptcy would be filed on XXXX XXXX, XXXX. XXXX continued to pursue legal action and were awarded a judgment against me on XXXX XXXX, XXXX - They did not advise the judge that they were aware that the account had been included in the bankruptcy which was recorded two days earlier. Further, XXXX then began reporting to the credit reporting agencies that the date of the judgment was XXXX XXXX, XXXX NOT THE ACTUAL DATE of XXXX XXXX, XXXX. 
After 3 different requests for an investigation - Equifax finally " reinvestigated '' the account and much to my amazement came back and reported a PUBLIC RECORD DATE OF # XXXX ( Civil Judgment ) as being XXXX OF XXXX! I was alerted to a drop in my Equfax score by more than XXXX points and when I check my file a NEW PUBLIC RECORD ( reporting the same case number as # XXXX ) has been update to a disposition date of XXXX XXXX, XXXX! 
I am completely baffled as to how Equifax could be so inaccurate on this information. To compound this problem - I work for a Police Agency who uses credit scores as a means of determining an employee 's " fitness for duty '' - Their inaccurate information is now endangering my ability to maintain my position. This needs to be fixed and needs to be fix immediately. I have reached out to Equifax via phone and correspondence and have been advised - They will look into it!
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.