WillisBack/dataset-financial-user-claim huggingface dataset:
I co-signed for my mother on an equity line with Wells Fargo. The total balance/payment came due {$23000.00}. The debt free family farm was up as collateral, so there was no other lien holder. I lost my job and used {$19000.00} of my severance in agreed settlement with Wells Fargo to payout the debt. The Wells Fargo bank representative suggested that I not continue the monthly payments, hence I was delinquent 30, 60 and 90 days while it was negotiated. My credit report states language from Wells Fargo like " customer settled for less than balance, account paid and closed. I have been denied refi by Mortgage companies and denied home equity lines and the reason given is " Short Sale ''. There was no " sale '' short or otherwise. We still own the farm. I sent tax statements and such to prove that we own the farm to this day. 
I am not sure how the mortgage underwriters are construing the situation as a " short sale ''. I have written the credit agencies to request that language be added, " this was not a short sale ''. The language was added " customer disputes ''. Disputes what? I dispute this was not a short sale. I have also written to Wells Fargo XXXX times and they have sent me the same form letter XXXX times with the same signature. Why does this interpretation happen? How is it determined? The words " Short Sale '' never appear in the credit agency reports?? I have a credit score around XXXX. I have about {$420000.00} in equity in my home. XXXX changed the regs in 2014 to call for a four year ineligibility for a mortgage for an equity line. Please help, do n't understand.
XXXX XXXX XXXX Foreclosure auction sale and XXXX XXXX XXXX sale were cancelled because First Citizens Bank and Trust Company failed to send bidding instructions to the XXXX SC court- thus causing additional financial and mental hardship on the consumer : XXXX
The Complaint that I have is with XXXX/CARE CREDIT Over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. They continue to say that they have validated the debt but provide no proof. I have asked for evidence that bears my signature that shows that I have a contractual obligation with XXXX/CARE CREDIT I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act.
I was having financial difficulties due to job loss and the death of both parents 2 months apart. I ask Selene Fine for a modification on my mortgage because I had gotten behind 10 payments ( XXXX ). I attempted a trial modification but it was unsuccessful. I requested another modification but per Selene Finance HUD does not allow XXXX modifications within a 24 month time frame. I tried to explain to the customer service person XXXX, that I did not have the first modification. He proceeded to tell me that I did complete and in addition I had too much debt to ratio and even if they could have done another modification I would not be able to afford it because I do not have enough income
XXXX XXXX has falsely indicated that I owe a balance of {$2000.00} in which the account was paid in full by XXXX XXXX, federal student loan company on my behalf. I have made several attempts to take care of this inaccuracy to be told by XXXX, the account has been verified. I have not received a verification letter to confirm the amount they are reporting to the credit bureaus is accurate.
I have requested proof of billing and pay history on XXXX BANK # XXXX by mail 3 times to XXXX XXXX XXXX XXXX NY XXXX and have not gotten a response. I believe there are inaccuracies on XXXX and XXXX reports associated with this account. I have disputed this account 3 times and these companies told me HSBC BANK verified everything is accurate. I would like HSBC to provide me with verifying documents. However they continue to ignore my letters. Please assist
I bank with Chase bank and had a grandfathered Checking premier account which consist of no maintenance fee for the past 13 years. In XXXX XXXX, 2015 I was given misinformation by a bank representative which resulted in my account being converted to a new Checking premier plus account with monthly fees after I was ensured that nothing would change on my account but the name of the account. I have contacted the bank to fix this and I am constantly getting the run around. Please assist me in getting my old account back.
I've been reaching out ALL YEAR to have this information corrected. I had my identity stolen back in XX/XX/XXXX and over the years several things have popped up on my credit report that do not belong to me or inaccurate information about me. 

I have never lived at XXXX XXXX XXXX XXXX MO nor XXXX XXXX XXXX XXXX MO My date of birth is XX/XX/XXXX
On X/XX/17, I was informed after I initiated contact that my PNC Credit Card was " revoked '' six months ago in XX/XX/XXXX. I have been carrying a balance and I was in the process of paying it off. Each month, I was charged interest. This I understand, the interest that is. However, to remove my ability to use the card ( without notification ) and to continue interest charges is an exploitative practice. If I am to accrue interest charges, then I should be able to use the card as long as I am below the maximum balance. The notion that PNC can at-will re-evaluate any account ( without any sort of dialogue/notification ) is one-sided and wrong and consumers should be involved far more in this process.
On XX/XX/2018 I received an updated credit report from XXXX   and XXXX and noticed Capital one is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a Capital one representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.
In securing a loan for a new home, we found out there was a collection on my credit report from Trident Asset Management XXXX. XXXX XXXX, XXXX GA XXXX XXXX : XXXX. It was apparently from XXXX in the amount of {$51.00} however, this was not something that XXXX ever submitted to them. We were never contacted by XXXX, nor were we ever made aware of this debt by XXXX. We only found out about it from our lender pulling our credit. It is negatively affecting our credit report and all attempts to obtain further information from XXXX were unsuccessful. They just kept telling us we had to pay it. XXXX has NO record of this debt or an account. XXXX refuses to answer questions, and they are also refusing to remove it from our credit report.
XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.
Equifax is reporting ONLY negative accounts twice in XXXX XXXX XXXX ) different parts of my credit report for the following accounts : ( 1 ) XXXX ( see attached ) ACCOUNTS Tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 2 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 3 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 4 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled on top of page ) ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is ONLY XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 5 ) XXXX XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 6 ) XXXX XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ). 
XXXX XXXX XXXX XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 7 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) / CLOSED ACCOUNTS ( circled ) ( 8 ) XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) These are XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX negative reports are being report. 
XXXX XXXX XXXX XXXX negative reports should be reported.
i paid off a mortgage at bank, i received a satisfaction of mortgage, the account shows past due on my reports i have downloaded the satisfaction to the credit agency 's, they do an investigation, they remove the item from my file, then within 1 week its back on my report, this has happened many times over the past 12 months, my credit score bounces XXXX to XXXX points each time, i spoke with experion last on XX/XX/2018, she read the documents that she had on file from the latest dispute and told me the bank who the paid account was with ( XXXX XXXX XXXX XXXX  mn. ) did not respond within the 30 day window so they deleted the account, but then XXXX XXXX responded late and it was back on my report. 

please note the account number on the bottom of the satisfaction document, that is the same as the account number on my credit file. please read the document it is very clear this account is paid in full.
On XX/XX/XXXX I initiated a rollover procedure of my XXXX from XXXX XXXX Citi Website ( Citigroup ) to XXXX. When I completed the Rollover instructions, I was then directed to a new website managed by XXXX XXXX XXXX ( XXXX ) to complete nearly identical information requested by Citi with the exception of the address of XXXX which took me a little time to find out from XXXX. Once I successfully completed XXXX inquiries, I was then redirected to Citi Web page at which time a notice that my session with Citi had expired. At that point I truly believed that the entire procedure was completed. There was no indication thru the various inquiries that were completed that a confirmation was required otherwise Citi session should not have expired. 
On the same day, there was another department titled Rollover Central of which I was unfamiliar of its role, so I called XXXX back and XXXX XXXX XXXX informed me that my request was processed. 
On the XX/XX/XXXX, I telephoned Citi Benefits Center to determine progress on my Rollover and I was informed that the request was not processed because it was not confirmed and that my value of my XXXX would be based on the closing day of the XX/XX/XXXX. 
As a result of the delay the XXXX value diminished approximately {$7400.00}. 
There were other telephone calls to XXXX XXXX Citi during XX/XX/XXXXregarding our complaint ; one telephone responders indicated that this was not an isolated incident. One of the managers named XXXX stated to file an appeal with Citi which denied my claim. A final appeal to Citi also denied my case. In essence, CitiGroup told me that I failed to confirm on the XX/XX/XXXX the rollover and would require me to go to court. 
All paper work regarding this case is available by request.
Ocwen Loan Servicing is listing a negative account on my credit reports. I do know that there is no law requiring Ocwen to submit any credit information to these credit companies. Owen and I are working together to sell this house which would benefit myself and Ocwen. 
Ocwen is not seeking money damages so there is no reason to keep this account on my credit reports. The mortgage was predatory from the start and has been a nightmare ever since. Because of this derogatory account on my credit report, I have been denied credit, bank accounts, employment, and proper housing. The CPA prevents companies from unfair, deceptive, and abusive acts. I am being treated unfairly and abused by Ocwen. This account is not REQUIRED to be put on my credit file so there is no reason other than to harrass me, that it should be listed.
this bill was paid by my insurance at the time of service we have a statement paid, about 2 t0 3 years later we received a letter from this collection company say 's I owe the bill because the insurance wanted the money back
I believe I am falsely being charged, my XXXX account was merged with my fianc early this year and is now under his name and my account was closed with any balance remaining transferred to his name. This is not correct. I 've made multiple attempts to contact the company collecting and they never pick up or they hang up on me. I 've read about this company charging many people incorrectly and trying to scam them with small amounts from using phone companies.
I have been with PNC bank since XXXX and have used their bill pay system to make reoccurring payments and one time payments. I did a one time payment to my association for {$25.00}. On XX/XX/XXXX I received an e-mail that my account was overdrawn. I had plenty of money to cover it so I called that evening. I was told that on top of my checking account I knew about, there was another checking account and savings account that I never knew about opened when the account I knew about was. There was never any funds or activity in these 'extra ' accounts but PNC sent the check from one of these with no funds. PNC assured me they would remove the fees and close these extra accounts to ensure this would not happen again. The next day my App looked different and I sent the {$25.00} again. The same thing happened! This time I went to the bank and spoke to XXXX XXXX and she said she saw that I called and that and they again would waive the fees and make sure the accounts were closed but it would take a couple of days. She told me to transfer {$25.00} in the 'extra ' account which I did in front of her with my phone. Yesterday I got a call from the bank where I was told they weren't waiving the fees and there was nothing I could do about it!
When I changed my residence, I tried to transfer my internet account from my old residence to my new. I called XXXX, and requested a transfer. Instead of doing what I requested, they opened a new account and left the old account active. I did n't realize this at first and started receiving notice for late payments. I would pay them, thinking I had made a mistake, and the next month I would receive a late statement for the alternate account. Many months later I realized the different account numbers, inquired to find the issue, and called the company. After many phone calls and emails, my complaint was sent up through their company for review. They came back apologizing, gave me a check for the wrongful charges, and assured me that both accounts would be closed. For a few years I heard nothing, then XX/XX/XXXX, a collection agency AFNI contacted me to inform me that I owed them {$350.00} for and account I had with XXXX. The same account that was fraudulently created. I called XXXX and emailed a complaint. I got a response back again admitting it was an error, and saying that AFNI would be informed and called off. It is now XX/XX/XXXX, I tried to apply for a home equity loan and was denied because the XXXX issue still is n't resolved. My credit score is wrongfully low, and this is now affecting my future. I need this loan for my divorce, or I will be forced to sell my house. I contacted XXXX yesterday, and my account is still showing I owe.
I start a Loan application ( Refinance ) with two banks. One with CHASE BANK and other with XXXX XXXX Florida. Since  the start the loan application ( XXXX/XXXX/XXXX ) with Chase it was a nightmare. No answer-back, no emails answered, errors in the loan process all the way. In summary, the reason for complaints is that they cancel the loan because they could n't verify the employment verification. While the smaller bank called " XXXX XXXX '' did n't have an issue with the employment verification. The point is that the method they used was not sufficient and did n't do their job properly. I presented all the documents required for the loan, but at the end, it was Chase bank who could n't do their job in a simple, organized matter while the smaller bank did. I just do n't understand.
Tcf bank gave my daughter 's attorney my social security number without My permission. my daughter had a personal injury case where she won a settlement she 's a minor, so there was an order for the funds to go into a custodial account, so I asked her attorney if you could put it into an account at TCF where she already had an account he stated yes even when they 're open up an account another account without my authorization and no personal information then I got a call from the bank saying I need to come and sign information which I did not find I stated I needed to speak to the attorney first so I know what I 'm going to be signing, the attorney Stat he will mail me documents after two weeks of never receiving them I contacted the attorney again yesterday on XXXX 2016 I was told the attorney was out on a XXXX and just been here with taking over and he was able to email me the documents that were supposed to be sent to me I 've been noticing and I ca n't open there 's no signature I did not authorize it and my social security number is on it, I then contacted the attorneys office asking how they got my social security number XXXX XXXX stated he does n't know but he will ask XXXX the attorney who handled my case, I then contact the TCF Bank and spoke to the branch manager XXXX asking how my social security number was given to that attorney the first day that the attorney came in with my social security number and my daughter 's social security number then he stated it 's a court order for funds to be in a custodial account and that gives him authorization to send my social security number.
I have submitted several or more applications with Bay view Loan Serving LLC., a servicing loan co for my mortgage, and each time they have classified my application as incomplete, not on time, and missing. I have compiled with their request to complete the applications each time, and return to them within their time frame requested. I am still receiving replies from Bay view Loan serving that the applications are still incomplete. This has been repeated process from XX/XX/XXXX and continues to, ( XX/XX/XXXX). My mortgage balance is XXXX and I am paying a mortgage note of {$1100.00} monthly, with an interest rate of 8.3 %. I am retired, XXXX and a XXXX  patented. I have borrowed from relatives in helping to complete the mortgage payment, but still behind a payment every month. I have submitted hardship letters in my behalf, to support my application for modification to Bay view Loan Servicing LLC ... Customer is assign to asset manager who state in their letters that they are available if and when needed, but the asset manager are never available. The caller is put on hold for hours and never gets to speak with the person whom he or she assigned or is asked to leave a message that is never answered.
In XXXX XXXX, my XXXX XXXX XXXX was totaled and deemed a total loss due to electrical problems. When financing, I purchased GAP insurance and an extended warranty. The GAP insurance was through a company named XXXX. It took me awhile to collect all of the documents but it was filed within the 90 days and the claim was processed. The next step was to file a cancellation on the extended warranty and that was handled by a company named XXXX. As soon as I received notice that my GAP claim had been processed, I filed a notice of cancellation that would cover the remaining balance, which was {$690.00}. I knew I needed to handle the payoff but at the end of XXXX, I placed a call to XXXX, which is on their record inquiring whether or not I needed to cover the remaining balance or wait until they received the warranty cancellation refund. I was instructed to not worry about the balance, that it would take longer for them to issue the refund check if I went ahead and paid it off. Three days later, they charged off my account causing my credit score to plummet. I immediately called back and spoke to another representative who told me that they would reverse the charge off once they received the refund check, as well as apologizing that I was n't notified of the charge off during my previous conversation. A week later, I still had not received notice of the refund check and called XXXX, the cancellation company. I spoke with a manager and she apologized for the delay and she would overnight the check, this was XXXX/XXXX/XXXX. I received the overnight notice XXXX/XXXX/XXXX. I called XXXX again to make sure the refund was received and it had been posted XXXX/XXXX/XXXX. I was instructed that the charge off would be deleted and I would be receiving a refund of {$670.00}, twenty one days after the check posted. That would have been XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX and my account has n't been adjusted nor have I received my refund check. I understand that it takes time to issue checks but the fact that my credit has not been adjusted is unacceptable. Before my car was totaled, I always paid on time and remained in good standing with the company. The lack of information and misguidance on the part of their representatives is disappointing.
About 11 years ago I consolidated my student loans. I think it was with XXXX XXXX. At some point they were transferred to Navient. I have been working for a qualifying non-profit for nearly 10 years and was looking forward to the Public Service Student Loan Forgiveness program. Unfortunately, I have been informed that the past 10 years worth of payments do not count because I failed to consolidate under a XXXX Student Loan. I would just like to participate in the forgiveness program. Is there any way I can get the government to honor my 120 payments? If I consolidate now and start paying my new Direct Loan, I will be paid off before 10 years is up, since I 've already been paying for 10 years. It hardly seems worth it.
On XX/XX/XXXX I purchased a home in the state of AZ. On that day I opened XXXX mortgages ( in other words ... an XXXX split ). In XX/XX/XXXX that property was foreclosed on by XXXX XXXX XXXX via Trustee Sale. Three months before foreclosing XXXX sold the smaller loan to Green Tree. The balance of this loan is considered purchase money as it originated at the same date and time as the 80 % loan ; therefore, this loan meets the requirements for protection under Arizona 's Anti-Deficiency Statutes XXXX ( A ) and XXXX ( G ) ( it was utilized as a single XXXXfamily dwelling and is located on less than XXXX acres ). I have spoken to Green Tree on MULTIPLE occasions over the past 5 years about this issue and they are still reporting that I owe the balance on this loan.