WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted all three companies bureaus XXXX, experian, and XXXX on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with experian credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with XXXX, and 10 points with XXXX, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with wells fargo bank as well. They are also reporting accounts which have been resolved with XXXX  XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.
I took out a home equity line of mortgage with Chase in XX/XX/XXXX in the amount of {$10000.00}. From XX/XX/XXXX until XX/XX/XXXX Chase sent my coupons to another person in XXXX XXXX at the request of my husband. The other person was a CPA and together they did not want me knowing the home equity was being used with out my permission ( noone was paying the home equity either. I had no idea The balance went from {$4.00}, XXXX to XXXX, XXXX in one day ( XX/XX/XXXX ) to XXXX XXXX by XX/XX/XXXX and then to {$93.00}, XXXX by XX/XX/XXXX all with out my consult. 

If it was ok to do this without my permission why did they call me for payment. 
If I had no idea why should I have to pay?. That was XX/XX/XXXX. Chase is a major household name. If they did this to me, How many other people did they do it to. 

To have a major name do this to a human is unfair and unjust. It increased my XXXX no end. I was crazy with XXXX to the point I would do nothing else but pay them XXXX a month for 4 years. BOTH PARTIES SHOULD BE NOTIFIED NOT ONE BUT BOTH SIGNATURES. WHY IS IT OK TO SEND TO A STRANGER IN XXXX XXXX????? Chase should have seen the payments were not being made and looked to see why? My XXXX increased so bad. After I made the last payment I have not been able to hold since XX/XX/XXXX. I finally paid it off. This is wrong a persons coupons can go to a stranger in another state. because the other person on a loan said so. How many other times was this done? I would say at least XXXX times. I would like this investigated as to why both parties do not need to be aware? how many times Chase did this to people. I would like to have no XXXX like the days before my home equity. I would like to have a job again. The shock of knowing this is ok for a bank to do is incredible. It has caused so much XXXX I can not function. PLEASE INVESTIGATE THIS IMMEDIATELY. It is wrong of Chase to do this. If I had no idea, why dis chase hole me accountable to pay the home equity.? I should not have been responsible to pay since you never send me the coupons.
I am being asked security questions so that the credit reporting companies can verify my identity and none of the questions pertain to me! For example, XXXX question asked me to verify a prior telephone number, none of the choices were ever my number, XXXX question asks about a mortgage taken out in 2010 and what finance company I used, I did n't take out any mortgages in 2010 so my answer was none, another question asked what XXXX I formerly lived in, I did not live in any of choices given, my answer was none, so they could not verify it was me! I do n't know what to do, can you help?
XXXX XXXX erroneously reported a debt to XXXX XXXX XXXX that I paid immediately in full on XXXX XXXX, 2012 when service was cancelled. I called XXXX numerous times, but kept getting referred to an automated number. XXXX also refuses to remove this inaccuracy with proof of original receipt. ;
My mother passed away XXXX/XXXX/2016 and had a reverse mortgageon her house. My brother and I are the heirs of the house ( will ). Wells Fargo said it gives 180 days to settle the estate but can give extensions. The payoff to Wells Fargo is approx $ XXXX and the bank 's appraisal is $ XXXX so there is collateral. I have started the probate process and they told me it takes up to a year to complete but Wells Fargo will not take probate as an excuse to provide an extension. I have also started refinance procedures and I am trying to get a letter stating I am pre-approved but it to is slow. This is approximately 3 months after my mom 's passing not 6 months and the bank is starting foreclosure proceedings. Wells Fargo 's " Home Preservation Specialist '' is XXXX XXXX XXXX ext XXXX. I do n't know what to do, I have faxed a request for extension which was denied and filled probate and started re-finance. I even had the loan agent call but they said the executor the only one that can provide a third party to get information. Can you advise?
I owe {$4600.00} on my JCPenney card which is currently charging me 23.99 %. My husband lost {$40000.00} a year in income this year.
In XX/XX/2014 I had a company call me repeatedly to consolidate my loans. I was told that it would be in my best interest and that all loans would then be placed in an IBR repayment plan. After I consolidated and my loans they became serviced or managed through XXXX. XXXX placed me in the IBR program and I also enrolled in the ten year Public Service Forgiveness Program. A year or so went by with my payments manageable in the IBR program when XXXX contacted me and said that I could no longer be in the IBR program because my consolidation included a small Parent Plus loan. I have learned that XXXX did not catch the Parent Plus loan early and that they should have, but failed to see it. Each company that I worked with while consolidating had visual access to the list of loans that I have, but failed to be thorough and that inability or fault has caused me years of financial problems. I have {$170000.00} worth of students loans and much of this is due to interest that keeps growing. XXXX told me last week that I was scammed by a company that got paid for my consolidation in XX/XX/2014, and that this company did not follow the Federal guidelines that would help me repay my loans. I can not pay XXXX  {$500.00} per month and the repayment of my loans are at a standstill, in a three month deferment only, with no answers of how to resolve this problem that I did not cause. XXXX never told me about the reality of a scam until recently. I do believe that they have known for years of this scam, but instead have pressured me repeatedly to just comply and make the payments. The last person at XXXX that I spoke with was professional, but many have actually yelled at me and belittled me for complaint and asking questions. Please help. Thank you.
The mortgage lender failed to adjust the escrow amount even though property taxes increased. Because of that I have a large negative escrow balance. Now I receive a notice that the lender requires almost {$4600.00} now, or I can have my payment go up by 48 % for a year to correct this.
Negotiate a settlement that they offer and the company didnt follow suit.they than said that the couldnt offer me anything at this time so I ask if they can stop call me and harassing with frequently phone calls
I was never informed that we had a right to dispute. I try to pay a little bit every month but I have informed them multiple times that I must receive a statement every month if they want to be paid. Then when they do n't get paid they start harassing me. I am never sure if they are actually posting the payments to our account.
Received continued notices to settle a debt from Northland Group , Inc. to settle a debt with XXXX XXXX Bank XXXX XXXX XXXX, XXXX. that does not belong to me. I have no record of ever opening an account with XXXX XXXX, nor do I owe them any money. I have asked them to stop attempting this alleged debt, and they continue to pursue communication tactics that is against the Fair Debt Collection Practices Act.
Capital One AutoLoan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
House modification info. 

I am not sure you can help us but thought I would ask. We recently attempted a modification from ( 2nd time due to medical reasons, we had been approved for first mod., but had a medical emergency happen & hence a 2nd try for another modification ) of our Fannie Mae mortgage thru Ditech . We had got behind in payments due to medical bills that came up due to a medical emergency with my husband. In XX/XX/XXXX we met their representatives for a mediation & agreed to us doing an application for a modification. Then mid XX/XX/XXXX we began a modification that was drug out for almost 5 months. All along the way, the Ditech representative reassured me that everything looked good & that we would be just fine. It was never easy to get through to this representative & we always had to leave a message. We were continually asked for documents several times, as they would claim they never got what I sent. This one representative also told me that she alone had over 1000 modification applications that she herself was processing. At the end of the XX/XX/XXXX month, the representatives phone extension became non existent & I could not even call into the company as my calls were rejected automatically by the phone co. I used a friends phone & called & asked for the lady whom I had been working with for those 5 months & she no longer existed. All along this 5 months & before that, Ditech was adding all kinds of large fees to our account. Our mortgage balance went from $ XXXX to $ XXXX.,  My husband is XXXX & receives a pension & social security. This is a classic case of American Greed in our opinion, we are the little guy being squashed by corporate America. Have you heard other stories like ours? Anything your company could help us with? I know this is a long shot but saw an ad by your company. 

Your reply would be greatly appreciated. 

Thank You!! 



Sent from my XXXX
I have been trying to get this judgment taken care of with Nelson & Kennard for 30 days. I have made ten phone calls, sent one fax to Nelson & Kennard, and have only received two return phone calls. This is unacceptable. 

My first call was on XXXX XXXX, 2016 and I spoke with XXXX XXXX. She and I agreed that I have never received an written correspondence from Nelson & Kennard, not even a letter via Certified Mail which she mentioned. Nothing. During the past 30 days, I have received nothing from Nelson & Kennard supporting any debt : no copy of the alleged signed application for credit in which they are attempting to collect. 

I have provided a Satisfaction of Judgment for the XXXX debt to which I believe is the debt they are attempting to collect. 

I have good cause to believe I was sued in error. I was never served to provide me plenty of time to file a response. Therefore, this improper service provides me cause to have the judgment vacated! 

Today, XXXX XXXX, I faxed Nelson & Kennard a request to vacate, release, dismiss, satisfy the judgment immediately! 

Still, no response.
I recieve XXXX phone calls per day from the American Adjustment Bureau XXXX XXXX. In addition to the derogatory accounts on my credit report.
I have a XXXX mortgage with Citi Mortgage and with tremendous difficulty ( do to untrained personnel ) I was accepted into Citi Mortgages Modification program. I was mortified after completing my XXXX trial payments that over {$19000.00}. in interest was applied to my principle. The original principle amount was {$47000.00}. This " interest '' totals almost % XXXX of the original bill and by adding that {$19000.00}. to my principle itplaces my house under water by almost {$30000.00}. Citi Mortgage never disclosed that there was going to be an exorbitant amount tacked onto my loan. When I called and emailed to dispute this I was told that interest could not be removed because my XXXX mortgage was backed XXXX. I called XXXX and it is NOT backed by them. Citi mortgage has me running circles completing paperwork numerous times, placed me with many different unknowledgeable representatives whom I have to start the process over again with, and lied to me about the standing of my loan. Please help me save my home. I fell on difficult times I am not looking for a hand out ... Just what is fair. Citi Mortgage will get there interest over the life of the new loan so why are they allowed to double dip on interest and capitalize on my families misfortune? ... all while claiming to " help '' their consumers.
XX/XX/XXXX, I purchased a Scion FR-S via XXXX from a XXXX XXXX XXXX XXXX d.b.a. XXXX XXXX of XXXX. They are ( were ) located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

The sender was the same exact Employee that took my required-after-auction WIN {$500.00} down payment. His name is XXXX XXXX. XXXX XXXX was my Salesman. 

It is now XX/XX/XXXX and I have nothing. Why? Because XXXX XXXX and his Manager ( Finance Mgr ) called me 8 days before my car was to arrive in XXXX, XXXX when I received a phone that I thought was a joke from XXXX XXXX 's Manager, when he called me directly and said he had bad news. The bad news? That in-transit, going through XXXX, the transit-truck they chose went up in flames and so did my Scion FR-S! From there, I called them at least two dozen times and asked what do I do now. What have other people done in this same incredibly unique situation? He said " you are not responsible for ANYTHING, Sir '' and " I will keep you closely informed. '' I then told XXXX XXXX and they could hardly believe it. Since then, NO ONE has compensated me a dime from XXXX who supposedly has an iron-clad guarantee, anyone at XXXX of XXXX or XXXX XXXX. The people that did contact me was XXXX ( XXXX ) continuing to call, mail, talk my neighbors and send repo vehicles to follow me day and night. I finally confronted one of them when they came and peered into my front house window and asked if this is matter is in regards to the car I never received. They said yes, and I assured them it was NEVER DELIVERED but had NO contacts for him. He said if I could call XXXX ( Roadloans ) using the phone # he carried with him, and put the XXXX rep on speaker and have her speak her name and confirm that no car was delivered, I would never hear from him again. I lost XXXX FICO points ( myFICO ), a repo on my record and my utilization is over XXXX because of this. Needless to say, I need immediate help as I am not able to purchase anything on credit. If this does not get resolved amicably by any party involved, I will not only have any choice but to file Bankruptcy XXXX & file suit against all negligent parties. I 'd like a police report, video they said they had and this removed from my credit reports immediately. Thank you.
Several calls every day to myself and other family and friends regarding a loan that I never received. I applied online years ago and never was told I was approved. Then I found out they had tried to deposit it into an old checking out that had to be closed. I never received the funds and I have told them several times over the span of more than 2-3 years. They threaten me saying I am going to be served at work, say they will garnish my wages. Every time I am told that I have to pay that day but its a different amount every time.
Equifax,  XXXX  and   XXXX   XXXX   continue to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 )   XXXX   XXXX   XXXX   XXXX   XXXX   US Bankruptcy Court  XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED. ( 2 )   XXXX   XXXX   XXXX   XXXX   XXXX   US Bankruptcy Court  XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED.
Each continue to list the dismissed bankruptcy on my credit file due to their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years.
However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, each of the   XXXX   reporting agencies have no right to maintain information which the government has deemed nonexistent.
Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, [ all   XXXX   ] must delete this information from my credit report and send me an updated copy when this action is completed.
I previusly provided each of the three agencies with Court Order related to the public notice filings, to wit : Attachment # 1 : CASE NO.  XXXX  was DISMISSED on XX/XX/XXXX  and therefore should not be on my credit reports. Attachment # 2 : CASE NO.  XXXX  was DISMISSED on  XX/XX/XXXX . Attachment # 3 : CASE NO.   XXXX    FINAL ORDER discharging the Trustee and closing the case without a bankruptcy discharge and/or any other relief.
These Court ORDERS should be sufficient in supporting my contention that each of the   XXXX    Credit Bureau s, Equifax,   XXXX  and   XXXX   XXXX   should immediately remove these Public Notices from my credit reports and provide me a clean report.
Made the last payment on 15 year loan in XX/XX/2016. Was informed by bank that I had a balance of {$98000.00}. I applied for loan to buy some time and was turned down because of low income and low credit score. The 15 year loan was paid monthly without missing a payment. {$950.00} a month for 15 years. Total amount paid was {$170000.00}.
CHOICE RECOVERY account NumXXXX I have XXXX unverified accounts from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY and I believe it is a HIPPA Act violation. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers XXXX
NetSpend and XXXX XXXX are giving millions of their customers, including myself, the run around. I usually receive my payment around XXXX XXXX  Tuesday mornings, but no deposit was received this pay period { XX/XX/18 } .. { No prior notice was given, it took me to do a XXXX search to find this info } and because of that has placed myself { and millions of other account holders } in a tough spot due to bills needing to be paid etc.., but no one can give any info, and from what Im viewing online, the reps are giving out conflicting info, one rep even hung the phone up on me.
I have been trying to get my mortgage modified for over 8 years at this point. My Senators office fowarded my problem to CFPB and the servicer/investor replied and the case was closed. I am filing another compliant to dispute the response to the servicer/investor.
I opened an account with Coinbase on XX/XX/XXXX. After going through the verification process and getting everything set up. I decided to use the Wire Transfer method to put money into my account. I sent over {$20000.00} dollars from my XXXX XXXX Account. The wire was executed on XX/XX/XXXX. The website had said at the time that it would take 3-5 business days. After about 2 weeks we tried contacting Coinbase support via email support request. We did not get a response until a week after that. Coinbase was little to no help. Every support request we sent was responded to by an automated message stating the same things that were already sent. Since we could not get an answer via email I tried calling in. They were also no help. All they could do for me was check on the support request status and let me know that it was upgrade to the " highest priority ''. Every time I called in they would change the amount of days that it takes them to reply to support request. They told me that I should not reply to their support emails or send new ones in because it would put me to the back of the line for the " specialist '' to get back to me. They told me this for a month and half only to call again on XX/XX/XXXX for them to tell me that their employees were misinformed and that replying to the emails will actually put a note to the top of my request for the specialist to see. No one seems to know whats going on there and I cant get an answer as to where my {$20000.00} is. They cant even tell me if its being sent back to my account due to wire issues. I just want an answer. We have sent multiple support request and have called over a dozen times. The wire was executed on XX/XX/XXXX and it is now XX/XX/XXXX and I have literally gotten no information as to where my money is. That is over 45 business days.
In reviewing a 3 in 1 credit report in early XX/XX/XXXX, I noticed that there were two collection items being reported by all three credit bureaus. I wrote to the bureaus on XX/XX/XXXX asking that these be removed as they were not mine. No action was taken so on XX/XX/XXXX, I wrote directly to Focus and XXXX XXXX to either validate the debt or remove it. While none of these companies ever wrote back to me, my recent credit in XX/XX/XXXX shows that XXXX and XXXX did eliminate reportings for both of these collection items. Unfortunately, XXXX continues to show this inaccurate information five months after I first asked them to investigate and remove it.
Capital one has now twice ( just this year ) charged interest when they should not have. Both times were credited when I called to complain, but I am certain most people are not tracking their payments and charges as in depth as I do. For the month of XXXX, I had a statement balance of {$11000.00}. Throughout the statement period, I made 4 payments totaling {$11000.00}. I was then charged {$95.00} in interest for that month. I called and they did offer to credit my account, however no one seems to know why this continues to happen. I make well over 100 charges and payments throughout the course of the month and am meticulous about reviewing everything. If I did n't do that, I would n't have known that I was n't supposed to be charged. I feel there is more to this than just my two instances and people are being wrong charged.
I have been sued by Pressler & Pressler and they received a default judgement against me for a debt I do not owe. They have never answered my questions about who I owe, show me any proof, just kept forging along. They requested a wage garnishment and the judge denied it. Now they sent a sheriffs officer to my Broker, ( realtor ) with a writ of execution to garnish my future commissions {$1700.00} that they say I owe. Are they allowed to do this arbitrarily? I have had so much trouble with this identity theft issue for many years and I am struggling to keep even my mortgage up to date. I just do n't know what to do.
I contacted Bank Of America and asked them if I can split my mortgage payment into 2 payments sent in at different times during the month. They agreed. Earlier this month I sent in half my amount due, with the other half being sent next Friday. Today I got a letter from Bank of America stating that they took the funds I sent and applied it to an applied funds account, which means they do n't show me as having paid anything