WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a loan modification about four months ago with XXXX XXXX XXXX, but their paperwork still has my ex husband 's name on the paper work even though I've sent them and they have confirmed the following : Divorce decree from XX/XX/2015 Quit Claim deed notarized in Colorado They have acknowledged that my ex husband DID NOT sign the original bank note, but still insist that he must sign the loan modification papers, which him and his new wife REFUSE to do. 

Ocwen has acknowledged they have the documents in question, but still will not complete the modification even though I have submitted the three trial payments.
I called Wells Fargo Home Mortgage on Thursday XX/XX/2018 because Wells Fargo had charged me {$1700.00} for home owners insurance. I explained that I did have home owners insurance. The representative insisted that I had to get my insurance policy reinstated or I would be charged the fee to get my house insured. I gave the rep the name of my home insurance company name, policy number and amount that I paid. The rep said I would have to reinstate my policy and hung up the telephone.
XXXX XXXX XXXX is negatively reporting me as owing {$120.00} when I do not owe them this debt.
XXXX XXXX I co-signed a vehicle loan for my brother. We got Wells Fargo. XX/XX/XXXX the car was totaled. A payment of XXXX was made XXXX, XXXX. The monthly payments are XXXX a month, leaving a balance of XXXX due on a 48 month loan. I did not know the car was totaled until XXXX, XXXX. I immediately contacted Wells Fargo on XXXX XXXX, XXXX. I was in contact with them until XXXX, XXXX going though XXXX cunstomer service reps. and XXXX account Managers. Each process with ruder and ruder associates. XXXX asst., # XXXX and XXXX acct. Manager # XXXX being rude and of no help, with just the opposite of any prior help. I asked why my account was not reflecting 20 1/2 payments that they were paid on XXXX, XXXX by the insurance and did I still have a 48 month loan. I was told yes by the XXXX account manager XXXX and not to go by what my account was showing. They have since file 2 late payments on my credit report after stating this would not be done. They also suggested doing an insurance deficiency re-write loan. I did that and they refused me. They all agree I still have a 48 month loan though.
I have been harassed by conns, specifically by a woman named XXXX. I have been having a really hard time with cash and have not been able to pay my bill since XXXX 2017. XXXX XXXX has been calling multiple times every day for three months now. I have told them many times I do not have money, yet they will call me hours later asking for the payment again. Today they called me four times. Three times after I told them I did not have money. They call my parent multiple times while they are at work, as well as other family members. I have asked then not to call my family especially because they bug them while at work, and my mother is a doctor and can not have bill collectors calling when I have told conns I can not pay. I have asked conns to send it to collections. XXXX today said " good people pay their bills '' implying we are not good people and making derogatory comments. I have asked her to stop calling repetitively and she replied saying no she will not stop calling.
On XX/XX/XXXX I noticed on my bank statement that from XX/XX/XXXX - XX/XX/XXXX there had been multiple fraudulent charges from Paypal taken out of my bank account. I spent the next month trying time and time again to get Paypal to 1 ) close my Paypal account and 2 ) credit me back the more than {$1200.00} they had transferred out of my bank account. Paypal also opened up a line of credit that I DID NOT AUTHORIZE. I can only assume someone hacked into my Paypal account fraudulently ; but how did they get a line of Paypal credit open in my name without my authorization! I have spoken to at least 10 Paypal customer representatives and supervisors and got different stories from all of them. I even got an email from them saying they were taking MORE money out of my account (??!! ) and that email was dated - get this - XXXX. Yes, I am not kidding. What a screwed up company. So far, they have only put a credit of {$600.00} in my account and they owe me the entire {$1200.00} that was transferred out of my bank account.
After the Equifax security breach, I am still unable to freeze my credit reports due to high volume on the online services as well as by phone. Additionally, these services will cost me personally when I need to lift the freeze, which is n't right.
Good evening, I currently have several private loans with navient bank at which my offical payment is due. I have been paying interest only for the last few years and my options have expired. I spoke with navient and pleaded with them to help me reduce my XXXX dollar plus payment at which they advised i could extend my payments to 300 months. After trying they still wouldnt hear my pleadings for a lower payment at which they took my financial statement and my step fathers financials ( co signer ) i advised them i could only afford an XXXX dollar payment and that my bills exceeded my income with the larger payment and denied me a reduced payment due to my step fathers ability to pay ( he is on a fixed income of social security and pension ). Navient said based on his credit he was able to pay what i coulndt. I called many times advising i couldnt afford this payment and was advised that all of my options have been exausted and would have to pay fully every month. I dont know what else i can do. Please help!
I operate several XXXX in Florida and obtained XXXX building mortgages through Bank of America. My issue is that XXXX of the XXXX loans were paid off after about 5 years into the loan. I recently tried to pay off the third mortgage that I had approximately 9 years, but was told that if I paid it off I would be subject to a prepayment fee of almost XXXX! I am shocked and stunned that after 9 years i would be subjected to a prepayment fee. When i spoke to my premier banking advisor he said he was as well surprised but could not help me because it would interfere with his cost benefits. He referenced my loan as a " mako '' loan and has a life prepayment provision. I have been banking with BOA for over 20 years and he said that my prior advisor with BOA mislead me. I am asking for resolution as a loyal BOA client but have no recourse. I feel mislead and deceived by BOA and wish to have your intervention to assist in a favorable resolution.
Lobel Financial increased the amount showing for a charge-off on my credit report from {$6900.00} to {$12000.00} without reason. During a phone conversation with XXXX in the legal department on XXXX at XXXX she explained that I had paid the balance of the vehicle down to {$6900.00} and the vehicle was sold at auction for {$3500.00} which meant the balance should never had doubled on my credit report. I never received a notice that the vehicle would be sold at auction and the vehicle was returned in XXXX of XXXX. Also, they never sent me a surplus deficiency letter, so I did n't know if they required me to pay an additional balance. The information that Lobel Financial is reporting on my credit report is inaccurate and must be removed according to being in violation of the FCRA. I would like to have this removed from my credit report because I feel that Lobel is being deceptive.
Capio Partners is reporting to the credit bureaus that I have medical debts that were opened up on XXXX XXXX, 2015 which the date of service that I needed medical attention happened years ago. First, I do not have any knowledge of receiving notification of these debts and who are asking for payment. Second, they are reporting the debt to credit bureaus with a recent collection date making the FICO scores drop because the system think that this is a new collection instead of reporting the date as to the last date of service.
On XX/XX/2018, a {$560.00} charge from XXXX, XXXX, TX appeared on my credit card account. I notified the credit card issuer ( Synchrony Bank ) by phone that I had not made the purchase and apparently my card number had been stolen. The customer service representative that I spoke with said they would close the account immediately, issue me a new card with a new account number and that I would not be liable for the charge. 

I received a new card and my transactions were moved to the new account number, I was also issued a credit for the {$560.00} charge. I also received a form in the mail from the Fraud Division of Synchrony Bank with questions about how the theft could have occurred. I filled it out, signed it and returned it by mail to the company. 

I thought nothing more about it until the same {$560.00} charge reappeared on XX/XX/2018 on my online statement. I immediately contacted Synchrony Bank Customer Service who said it was the XXXX charge and gave me a phone number for the Fraud Division and said I should call them. I did and the representative that I talked to said I had been issued a credit for the {$560.00} charge twice by mistake, once from XXXX and once from Synchrony Bank and that I would have to pay the {$560.00} charge. 

I checked my statement for XX/XX/2018 and found that while there were two credits ( refunds ) of {$560.00}, there were also two charges for {$560.00} which would have offset the credits. 

I've ran the numbers on my purchases and charges for my account and I do not owe Synchrony {$560.00}.
Tide water keeps removing and replacing account on credit file. They have the account with a past due {$760.00} balance with its suppose to be {$0.00}. They will remove it one month and replace it the next.
Background Screen Report (submitted XX/XX/XXXX) XXXX XXXX XXXX has reported information that is inaccurate including negative information that is more that 7 years old disallowed by the FCRA for reporting outdated negative information in a background screen report to my employer.XXXX XXXX XXXX background screen report to same employer submitted on XX/XX/XXXX appropriately excluded this information as required by law. Please see attachment.XXXX XXXX XXXX XXXX XXXX did not provide me a copy of Background screen report as required and requested for the Background Screen Report submitted XX/XX/XXXX.
COLLECTORE KEPT CALLING MY WORK, CELL AND HUSBANDS CELL AND HOME, STATING IF WE CO N'T PAY WILL BE FINED.
As of XX/XX/XXXX I qualify for XXXX ; therefore, I contacted XXXX/Navient to complete the corresponding documentation necessary to have my Private Loans Discharged. I was informed by multiple reps that I was unable to complete the necessary forms, make any payments or access account info because my co-signer had filed bankruptcy. Once the bankruptcy was finalized, I requested the forms necessary & provided Navient with my Social Security Admin Hearing docs reflecting my Specialists had proven I met the criteria for XXXX. Regardless, Navient required their forms be completed by my Dr at my own expense. As requested, I submitted the forms & was approved for XXXX. As a result, Navient then tried to transfer my loans to my co-signer. I refused to allow the loans to be transferred & requested that their legal dept review my request for complete discharge. I left numerous messages for Navient 's legal dept requesting a follow-up on my XX/XX/XXXX complaint & never received a response back. Additionally, I contacted Navient today & the rep confirmed that legal is still reviewing my complaint & has not responded ; yet, Navient continues to collect on the loans despite the fact they should have been discharged per the XXXX XXXX XXXX Discharge Approval. I have continued to pay the monthly amounts in order to avoid Navient reporting negatively on mine and/or my cosigner 's credit report. As a result, I believe Navient is illegally collecting on loans that should have been discharged a long time ago.
When they call me I try to explain to them that I do n't work and how can I pay or send money when a person not working and no income.
I would like to report Equifax for their lax data security. My personal information was stolen in the massive 2017 breach of their systems. Not only was their data security insufficient, they did not release the information of the breach for months after it occurred. Finally, when signing up for their credit monitoring service I discovered afterward that doing so apparently waves the right to any class-action lawsuit or individual lawsuit as a part of clicking yes. No where was it made clear before clicking accept that I was giving up those rights and I certainly would not have accepted had I known what I was giving up. All of this clearly indicates a company who is unwilling or unable to ensure the security of the immensely important information that they store and who is more than willing to cover their failures up and then XXXX the consumer by immediately tricking them into opting out of any lawsuit.
Card number was taken without my permission and used to make purchases electronically in excess of {$16000.00} in XX/XX/2018. No attempts were made by the bank to flag or stop these unauthorized charges, and at no point was I contacted to confirm or deny the validity of these charges. It wasnt until I recieved my statement that I became aware of this fraud. I immediately disputed all charges with the bank and closed the account. I still recieved bills after the account was disputed and my credited has been adversely reflected due to this delinquent account. I have reached out to the banks fraud department countless time throughout XXXX, XXXX, XXXX, and XXXX and have gotten no results. I filed a police report in XXXX and forwarded to the fraud department for their records. I did not authorize these charges and should not be responsible for this debt under the Fair Credit Billing Act.
My legal name is different than my AKA name and i am having issues connecting with the credit reporting companies to make the correction. All my credit is in the AKA name and i need Transunion, XXXX and XXXX to make corrections to my name and address
I recently received a copy of my Transunion and XXXX credit report and I notice there is three unauthorized credit inquiry on my credit score. I do not recall authorizing this credit inquiry. I have contact Transunion and XXXX to please remove these inquiries but in the end it turn to no avail.
This company is violating the fcra by reporting incorrect information on my credit report. I am the victim of a shooting In which I was u able to attend school. I was told from appeals that I would be granted and balance refunded which did not happen. Instead as i have been healing up they have ruined my credit. The company shows I was refunded XXXX but is still charging that as part of the balance even though there should not be any balance. They never sent me any communication regarding this debt, they have cease communications on the file. They are violating my rights and will be sued In federal court.
Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone.
In XX/XX/XXXX loan modification process began with Wells Fargo Home Mortgage Inc. Consistent delays by Wells Fargo increased my initial home mortgage of {$100000.00} to a modified loan of {$140000.00}. Every month the loan modification was delayed inflated the mortgage amount. 

TIMELINE : XX/XX/XXXX - foreclosure notice was received and I retained XXXX, XXXX and XXXX, ( XXXX ) as my attorney to assist with the loan modification process. NOTE : XXXX has all documentation. 

XX/XX/XXXX - first Mediation meeting - Wells Fargo did not attend. I attended with my attorney. 

XX/XX/XXXX - second Mediation at which time Wells Fargo had no information as to the modification and advised and a new form was required that they had not sent me. 

XX/XX/XXXX - Wells Fargo did not advise my attorney that a loan modification was approved. 1 ) HARP approved a permanent home loan modification, however, Wells Fargo did not present this information to my attorney who only learned about it in XX/XX/XXXX ; 2 ) Wells Fargo changed attorneys was the reason given why we were not made aware of the HARP approval ; 3 ) since we were not aware of the HARP approval, the HARP/TPP was not made and therefore the loan modification process had to start over. 

XX/XX/XXXX - I agreed not to block the foreclosure with the understanding that Wells Fargo will continue to work through the loan modification process. 

XX/XX/XXXX - my attorney was advised that the loan modification had been approved and the foreclosure was stopped. 

XX/XX/XXXX through XX/XX/XXXX - repeated calls to Wells Fargo requesting information as to the permanent loan modifications and documents.
CFPB reference number  XXXX  shows very grave discrepancy which created bias or obstruction. The complaint process before  XXXX   XXXX ,    2017  and the same process after  XXXX   XXXX ,  2017  can be compared and contrasted because I suspect that time and attendance fraudsters got away with malfeasance or criminal gamble. I believe that I voiced my concern to the  USDOJ  fraud reporting  hotline both times  before and after  XXXX   XXXX ,    2017  where the hard copy and its microfilm must embarrass the ongoing meddling probe and its failure to act while supplies last.  XXXX  is fighting wastage, I guess. To make matters more transparent, The hard copy is faxed to  XXXX  on  XXXX / XXXX /   2017  exactly at  XXXX   XXXX . I skipped OIG or ombudsman or all authorized or unauthorized representatives at this time.
XXXX XXXX XXXX has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.
In XX/XX/XXXX, I, XXXX XXXX ( primary owner ) and XXXX XXXX ( co-owner ), were given a 25 % interest loan for a XX/XX/XXXX pre-owned used car. We didnt know much about car loans then and thought we were doing a good thing. Weve been paying {$390.00} for 2 years now and just found out this year that payments did not apply to the principal until XX/XX/XXXX. We noticed our loan was never going down when doing our taxes. Our car is at {$150000.00} and {$13000.00} is still owed on it. We have about 1 more year of use on this car and would have to pay {$1400.00} a month to pay it off before it can no longer be used. We have two kids, two kids and just want some sort of relief from this horrible interest rate. We pay on time and faithfully. Please help! No one will refinance the car because its NADA value is upside down its loan amount. We didnt know better and now we do.
I received a letter from Diversified Consultants claiming that they are trying to collect a XXXX debt from a XXXX account. I never had XXXX so I know this could not be me. 

I received the letter on XXXX/XXXX/2016 and instantly sent out a debt verification letter, in response they just sent back a letter with a photocopied bill. The bill showed just the name XXXX XXXX and nothing else. There was no signed contract or pedigree information. There are several XXXX XXXX that live in my area and I know that this is not my account. At the bottom of the letter they responded back with it said " this is not an attempt to collect a debt ' I recently got a notification from the credit bureaus that Diversified Consultants has reported negative information to the credit bureaus on me. This is not right and is illegal.
Ally Financial formally knows as XXXX is placing the wrong XXXX delinquency date on my credit report in an attempt to keep this account on my credit report for much longer than allowed by law. All reporting agencies XXXX, XXXX & XXXX show the first delinquency date as XXXX, not XXXX. 
The Law states : Collection accounts and charge-offs ( those the creditor writes off as uncollectible, aka charge to profit and loss remain on file for seven years ; reporting commences no later than 180 days from the beginning of the delinquency rather than on the date of any subsequent action. So if there are multiple delinquency dates ( i.e., a consumer went delinquent, went current and then went delinquent again ), the date of the first delinquency is the one that will apply. The running time ( reporting period ) can not be reset by subsequent payment or for any other reason, in any state, except with certain student loans.
I discovered an unknown medical account dating back from XX/XX/XXXX on my Experian credit report so I filed a proper dispute with Experian by way of certified mail as they are the only credit reporting agency that is reporting this unknown medical account. The certified letter was sent on XX/XX/XXXX Experian received it on XX/XX/XXXX and I received their response XX/XX/XXXX. Experian said that XXXX had verified the account and if I had any other questions concerning the account I should contact the collection agency. I sent XXXX a letter by certified mail on XX/XX/XXXX which they received on XX/XX/XXXX asking them for validation of the account but I have never heard anything back from them. I sent another dispute letter certified mail to Experian on XX/XX/XXXX stating that XXXX XXXX XXXX XXXX had not responded to my validation request and has provided no verification of any kind for this account. I also included in the second dispute letter to Experian a copy of the letter I sent XXXX XXXX XXXX XXXX and proof of their having received it. The second dispute letter sent to Experian asked that the aforementioned unknown medical account be removed from my credit report due to XXXX XXXX XXXX XXXX XXXX failure to provide any validation of the account what so ever, this letter was received by them on XX/XX/XXXX. I then checked my Experian credit report on Friday XX/XX/XXXX and discovered that this unknown medical account was still reporting with these new statements included, " Reinvestigation information this item remained unchanged from our processing of your dispute in XX/XX/XXXX '', and this " Collection as of XX/XX/XXXX ''. Experian 's refusal to properly investigate this is a violation of the FCRA and FACTA.
While on an extended vacation from XXXX XXXX 2015 to XXXX XXXX 2015 traveling across several states I did not receive my PayPal Credit statement with a balance due and subsequently on the next Statement that I did receive was billed a late fee of {$25.00} with interest charge of {$2.00} ( {$27.00} total ) for a purchase totaling {$62.00}. I submitted one XXXX web site contact email requesting to have the late fee and interest removed, have received no response from XXXX. I subsequently submitted an email to the Director of Investor Relations of XXXX requesting the late fee and interest to be removed with no response. This is the first and only time I have been late in making payments against my PayPal account - we use other credit cards extensively without ever triggering any late charges.