WillisBack/dataset-financial-user-claim huggingface dataset:
I was approved for a loan modification in XX/XX/XXXX in which an error was made on XXXX of the notary pages. Bank of America did not notify me of this error as they mistakingly sent correspondence intended for me ( who is located in New Jersey ) to another customer located in Florida. This correspondence was to inform me of this notary error so that I could fix the mistake and complete my modification. The representative handling my modification assured me via telephone numerous times that modification was indeed approved, as well as over XXXX different BOA representatives during the five months following the signing of these documents. I continued to make all of my mortgage payments every month, never missing any, and in XX/XX/XXXX, I was served with a foreclosure complaint stating that I never had a loan modification and I had defaulted as of XX/XX/XXXX ( since I had only paid the modified amount ). I have previously contacted the XXXX and CFPB regarding this, who have directed me to BOA and their only solution is that since I have entered into another modification, that this should be sufficient. It is not, since there is still a foreclosure action on my credit report that should have never been filed since my mortgage should have had been in a modification and had BOA not erroneously sent my documents to the wrong address, my modification would have been intact and the payments were made. I want the foreclosure removed from my credit report and I want a Notice of Recission from Bank of America that I can give to my creditors. All of my credit card companies have lowered my credit limits, and I needed a co-signer to obtain a new vehicle when my previous lease ended. My FICO score has dropped nearly XXXX points and I have no other negative items on my report other than this. Even before this foreclosure action, and with the modification, I only missed XXXX mortgage payment since the loan 's origination so my credit was not adversely affected prior to this foreclosure.
As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached LAPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.
Equifax and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.
I have a problem with Statebridge Company LLC located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . The issue I am experiencing with Statebridge is that I either do not receive a statement or it is delivered after my payment due date. This problem has been ongoing for over  twelve  months and I have attempted several times to discuss the issue with  Statebridge. Statebridge  continually advises me to use the payment grace period. Statebridge claims that they can not be held responsible for any delays concerning the  Unites States Postal Service. My concern in using the grace period when sending in my payments is that I ha ve less mail dates for said payment to get to Statebridge. If th e USPS  delays the delivery of my payment, Statebridge will certainly hold me responsible for that delay and charge me a late fee. When I suggest making my payment over the phone on the due date,  Statebridge  declines to waive their fee. There is also an extra charge to pay online. I am uncomfortable entrusting Statebridge to use the direct payment option.     I called the Better Business Bureau in  XXXX , CO and they informed me that they have received over    XXXX   co mplaints in 36 months of operation against Statebridge Company  LLC  and that the company has a rating of a " B-. '' There are also currently open complaints. I last spoke to customer service representatives  XXXX  and  XXXX  at  XXXX  on    XXXX   XXXX  , 2017. I call ed back a third time to speak to a supervisor and was put in touch with  XXXX   XXXX   XXXX  at  XXXX     XXXX   XXXX  , 2017   .  XXXX   XXXX  was of no assistance in helping me to make an on time payment without added fees.  XXXX   XXXX  explained to me that the statements get sent out on the  XXXX  of the month and that any delays in delivery was not his company 's problem.     Customer service is not in  Statebridge 's Company LLC mission statement. I want to pay my mortgage on time without added fees. It seems that Statebridge a ctually strives to discourage this. I am a United States  XXXX  veteran who has served my country for over twenty-four years. I do n't want special treatment or anything thing for free. I simply would like to receive my statements in a manner that allows me to pay my mortgage without added fees. I would like to be treated with respect and dignity and to be able to make my house payment on time without added fees.
Good morning/evening, On the following date of XX/XX/2018 Wells Fargo filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
XXXX   2016  my credit was pulled   XXXX   by a rep for  XXXX   XXXX   XXXX  without my knowledge. The manager said they disclosed it to me but they did not. I do not understand why they lied to me and how they can get away with placing  XXXX  hard inquiries on my credit file. They also lied and said they offered me payment protection, but they did not. I do not understand why they will not tell the truth. Do you think I will waste all this time and go to this extent if they did their due diligence and I was informed of this? As soon as I found out I IMMEDIATELY requested them to stop sending me prescreen offers because I will not open any credit products with them for at least some years if ever again. It is the principle that I was not informed prior of  XXXX  hard inquiries which is a terrible business practice in itself. I do not understand why they pull my credit to open a savings which they require and then again in the same sitting for the vehicle loan which is why I came there.
I started this loan with Cashnet USA this in 2017, once my loan was processed the company explained to me my payments would come out of my account during my bi-weekly pay period. At this time I asked if the payment could come out once a month, I was told, they go by my pay period. From there I started to have trouble the next month with paying my mortgage which I pay at the beginning of the month. I have been getting late fees from my mortgage company, my bank and other bills due to this. I have had to close my XXXX account which I will have to pay the {$200.00} fee. My mortgage company there is a {$35.00} fee each time I am late ( I have a 1st and 2nd mortgage ). I have attached bills that have been late along with letters of late notices.
I applied for a {$1000.00} loan on  XXXX   XXXX ,   XXXX   and received the payment on  XXXX   XXXX . When I signed the paper ( electronically online ) I signed up fo r 3  installments of  XXXX  which makes the total  XXXX . I can handle those payments and it is outrageous interest but doable. The company is supposed to take my payment out auto withdrawl. The first payment was deducted from my checking account on  XXXX   XXXX  in the amount of  XXXX . They sent me an email with the terms that now said I would be making  six  payments in the amount of  XXXX  This equals  XXXX  which is outrageous. I tried to log on to my online account today and it the website will not give me access to my account. Customer service said my info did n't match when I called for phone assistance. Mysteriously all of the emails I received with information regarding this loan have vanished from my email account.     Something is not right. I sent the company an email and said I have full intention of paying back the loan but not at  6  payments with a total of  XXXX .
Since XXXX, we have been asking American Home Mortgage Servicing , Inc, now known as Homeward Residential ( servicer prior to Ocwen ), to provide evidence that XXXX XXXX Bank, XXXX as trustee for Option One Mortgage Loan Trust XXXX was the owner of the note. Each time they sent us a copy of the note, it never included an allonge. But in XXXX, AHMSI presented an allonge that was blank and a later allonge that was stamped. Once Ocwen became our servicer, we asked Ocwen to validate the debt. In a response from Ocwen, Ocwen states that they " would not be able to provide us with the original wet ink signature loan documents '', but an attorney for Ocwen claims to have the original wet ink signature loan documents.
my car loan company County financial is charging me {$2000.00} more on interest even when I have send an extra amount for late fee.
Transunion has consistently allowed XXXX to report on XXXX mortgage accounts negatively since XX/XX/XXXX ( 9 years ). Transunion has also allowed them to modify the terms and dates for derogatory information being reported. This is in direct violation of the Fair Credit Reporting Act. Additionally, the accounts in question were deeded back to the bank and the bank WAIVED its right to purse any default judgment, but Transunion is still showing the accounts as being over XXXX days past due since XX/XX/XXXX with no updates to my credit profile since that time. XXXX reacquired the property on XX/XX/XXXX. I want the information deleted from my credit profile in accordance FCRA ( time limits for reporting ). The original XXXX date of delinquency for these accounts was in XX/XX/XXXX when I filed bankruptcy. From the day they were notified I filed bankruptcy, they reported that accounts as being in a bankruptcy for XXXX years. When my bankruptcy was XXXX, they have made all kind off erroneous changes in order to hinder my credit standing. All accounts that were included in the bankruptcy was removed, however ; Transunion has refused to remove and comply with the FCRA.
I have been attempting to get a loan modification and I have been unsuccessful with my mortgage company. They refuse to assist me with a modification.
To whom thi s may concern : I mailed a Multiple Inquiry Removal Letter  on  XXXX   XXXX ,    2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,    2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCR A 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my Credit Reports displays a sign of financial trouble, w hen that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.
Their customer service would not help and take care of the negative inquiries reporting to my credit report. I even sent a letter asking for removal. 

Inquiries for removal : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
On XX/XX/XXXX, I requested a credit line inquiry with the knowledge that I would receive an soft inquiry on my credit and no big risk. Needless to say, on XX/XX/XXXX I received notification from XXXX XXXX that my credit score had been updated. However, I knew that I made no additional adjustments towards my credit so I immediately got alarmed and begin to take action. After responding to the credit card company, there only response was that anytime there is an credit line increase, that it always is an hard inquiry. Needless to say, in my defense I have had an increase before on this credit card and my XXXX card but never actually received an hard inquiry because of a request. I never applied for a new card or anything. Sorry for the inconvenience, but can someone please help me better understand how I can resolve this issue.
Hi, I'm seeing hard credit inquiries from 'XXXX  ' on my Transunion from XX/XX/XXXX and XX/XX/XXXX ... and I'm not sure why.
on XXXX-XXXX-2017 i deposited in my account XXXX dollares from a customer in 3 checks of XXXX each the next day i checkd with the bank and they told me the funds were avaliable for me to withdraw when i tried to withdraw the money the teller told me that the bank will need to verify the checks with the other bank come back tomorrow and be able to withdraw funds for me but on the same day my online account was blocked my personal and business accounts were blocked and nobody told me anything about it not even a phone call telling me nothing and i really need the funds to take my family out of XXXX to XXXX because of the huracan irma is coming category 5 now i dont have money or debit cards or nothing i called the bank and they told me they have an investigator named XXXX doing some investigations i called this investigator 5 times and not respond from her now what do i have to do now if they were going to block my online account or cards why in the world i was not notified in the first place so i know what is the problem now i dont know what to do i have family kids without money and a huracan irma is coming to us we dont even have moneyfor gas to get out of here this is not the right way to handle customers at all i wish i can sue this bank for this kind of behaivor i am contacting you because under the law you are the ones that supervised and take the appropiate sanctions against this bank i want to know what to do as soon as possible since this huracan is coming please help me my life and the lifes of my family is in danger and XXXX XXXX is responsible for thank you XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hours : Open today XXXX See more hours Phone : ( XXXX ) XXXX
I experienced a break in in XX/XX/2015. My wallet was stolen as well as my DL and SS card, and other personal items. After review of my credit reports several loans and credit cards were open in my name. I have the fraud alert now on my file. This auto loan from First Tech is a result of fraud. I have submitted documentation and have disputed the inaccurate reporting of this negative item which is causing me damages and defaming my character.This action is a violation of my rights as a victim of identity theft under the FCRA.
freedom furniture in XXXX, va. contacted my command repeatedly even after i returned the merchandise and secured a letter from the store manager releasing me from any contractual obligations as i was ordered by my command., contacted my command numerous times. this continued action caused me to be XXXX from the XXXX. they have filed numerous times with different account numbers on my credit report for the same contract i was told by the store manager i had been released from. they have filed with the court of virginia after i left the state post discharge for wage garnishment. they have continued to call, mail, and as of late even emailed my trying to collect on a debt since XXXX 1997. the account has been listed as charged off only for them to refile it under a new account number as a new account.
Paid my account in full on the internet -wording said to pay in Full -- -paid in Full but when I received my statement there was a charge of XXXX
XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX.  XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to XXXX XXXX XXXX, all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.
XXXX XXXX XXXX is reporting to all 3 credit bureaus that I had a late payment in XX/XX/XXXX. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX. This inaccurate reporting is destroying my credit. I have called XXXX XXXX XXXX multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when XXXX XXXX XXXX sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that XXXX XXXX XXXX sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice. I am in the process of trying to purchase a home and the fact that XXXX XXXX XXXX is showing these loans as 90 days late inXX/XX/XXXX is inaccurate and is ultimately affecting me in a negative manner. I 'm asking that XXXX XXXX XXXX provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.
TRANSUNION states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased
I traded my auto in, that was financed by TD Auto Finance, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 
1 ) XXXX is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 
2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 
3 ) XXXX has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.
In 2004 I discovered I was the victim of identity thief. I filed a complaint with the police department -- XXXX, VA. For several years following I filed request for Experian to remove the information from the report. After many years of complaints to the FTC and them directly they sent me reports showing that the information was removed from my report. 

The information is still on the report and in their data base. Since they provide erroneous and fraudulent information to government agency I continue to have countless problems with receiving benefits because I can not verify my personal information. For instances, I can not apply medical insurance throw XXXX XXXX XXXX, State Unemployment or anything else. 

I have seen copies of my Experian credit report that companies have received that show the fraudulent and wrong information about me and are different then the credit reports I receive as a individual person at the same time.
I have a rush card and they were supposed to be going through a system update just for the day of XXXX/XXXX/2015. I get paid tomorrow XXXX/XXXX/2015 and I have read many reviews that no one had received their direct deposit, and the website and app is down. All rush card phone number does when you call it is ring. This is a big inconvenience because I have XXXX babies and bills to pay. I live check to check and work haRd for my money.
There is currently an inaccurate item being reported on my credit report from Mid Atlantic Finance I have contacted this company at the address listed on my credit report here:XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I 've had my mail returned because this company is reporting incorrect info about me I understand that this is against the fair credit reporting laws.My attempts to have this debt validated were failed and after months of sending letters to address I found online I never received a reply.
I am deeply troubled by what has happened to my payment history as well as good credit rating after using an inadequate mortgage company to refinance my home loan. The following is a digest of what happened while going through their process. 
Mortgage CompanyXXXX XXXXSenior Loan OfficerXXXX XXXX 
Toll Free : XXXXDirect : 240-305-7886XXXX : XXXX # XXXXHistory : XXXX XXXX - Initiated original loan applicationXX/XX/XXXX XXXX - Loan is approved but we need XXXX mortgage company approvalXX/XX/XXXX XXXX - We still do n't have your approval. Please pay your XXXX payment and we will close in two weeks. 
XXXX XXXX - Since you made your mortgage payment. The amount of the loan changed and now we have to get approvals againXX/XX/XXXX XXXX - I asked XXXX about now being late for XXXX payment waiting for them to close the loan. I was instructed to NOT pay the payment we would close any day nowXX/XX/XXXX XXXX - Still no approval from XXXX or their underwriter. Again, I was told to hold off of the payment or it would delay the loan approvalMay XXXX - I was told that I was good to go and that they would set up the closing asap. 
XXXX XXXX - Apologies from XXXX XXXX but they now have to start over due to a credit change to my report. The credit change was the notation of a late payment for my XXXX mortgage. That was caused by them. 
XXXX XXXX - I was informed that the credit change has now disqualified me from my ability to be approved. The apologized and told me that there is nothing they can do. 

Summary of the Situation : The process of a simple refinance took over 4 months and due to the negligence of the loan officer, XXXX XXXX, my mortgage payment was late for the XXXX time ever. Even worse they then declined me for something that they caused. It was the most frustrating experience I have ever gone through. I also have never had a late payment of my credit report and now because of this I get unfairly penalized. 
Upon getting the notification of now being declined, I immediately paid my XXXX payment and also the XXXX payment as well as re-setup the auto payments for my account. Please feel free to look at my credit report and mortgage account to verify this. I also have saved every email from XXXX XXXX to verify their mistakes.