WillisBack/dataset-financial-user-claim huggingface dataset:
I filed for bankruptcy XXXX 2012 and my attorney requested reaffirmation papers for my home and Bank of America did not respond. My home was excluded from the bankruptcy due to owing more than the house was worth. The credit bureaus report that my mortgage and equity loans were discharged and closed. I have paid my monthly payments through the bankruptcy and are up to date. I have tried to get Bank of America to reflect this to the credit reporting agencies, to no avail. I am requesting your assistance in correcting this matter.
I have never done any business with XXXX XXXX XXXX XXXX. The company is claiming that I owe money to them. I have never had an account with them.
Related case XXXX have forwarded a letter from XXXX XXXX XXXX XXXX confirming that they have closed their file on this trade line and have sent it equifax via certified mail. 

I have not seen this item removed or gotten any form of proper notice of investigation status or results.
Nationstar Mortgage has repeatedly given me the same point of contact who never returns calls who is XXXX XXXX. I have yet to be able to speak to him regarding my Hamp 1 offer. Also, they have ingnored my right to appeal and meanwhile I am accruing interest on the loan I can not afford at 10. 5 percent interest only. I want to keep my home of 20 years as primary residence but they continuously make a ridiculous payment offer for me that exceeds XXXX percent debt ration. I am requesting a lower interest rate than 3.5 percent and a 40 year fixed payment including escrow on the loan amount of XXXX and waive the XXXX in interest while they have intentionally denied my requests to get payment below 600 month and waive the interest. In addition, they refuse to send my refund check out to me for excess escrow in 2010 of almost XXXX dollars. I get the run a round every time I ask for it. They have incorrectly calculated my debt as I told them due to medical reasons I got behind and that I am not paying any debt on the credit report but they refuse to manually underwrite the loan as I request and keep trying to qualify me on the automatic payment of XXXX which my income is less than XXXX per month. I am requesting them to lower the interest rate to 2 percent and recalculate my modification offer to get the payment lower as the insurance lowered to half that but yet they did not recalculate the payment offer. 
My loan number is XXXX. I feel they are intentionally making it difficult to keep my home. Please assist me in my modification process, returning my escrow to me they should not be keeping as it is overage, and reducing the accrued XXXX in interest while they intentionally make it difficult to get the Hamp 1 modification. Also, in requesting a new loan single point of contact as I feel I am being discriminated against because of my age and race. This is a interest only ARM and I was not explained how that loan is calculated by anyone when I received the loan approval. Thank you,
I paid my credit card balance in full on XX/XX/XXXX. The online statement then showed a XXXX balance. On XX/XX/XXXX the payment was processed a second time for the exact amount, thus overdrawing my checking acciunt and causing the line of credit to do a {$2000.00} auto transfer. 
I called the bank and they said it would take a week to gey s refund, and then inwould be out the interest and use of the {$2700.00} in funds. Not acceptable. A major US bank that takes your money in error and can not return it next day? This is abuse, taking advantage of the elderly, and very poor customer service. They autodenited me in error and received immediate credot but will not return the funds for a week and will not pay the interest on the advance. 
This is why we need your help, as only the CFPB has the clout to make this right. 
Thanks
I received a report that changes were made to my report with actions taken by XXXX modified XX/XX/XXXX with a high credit of {$1500.00} date closed XX/XX/XXXX credit limit {$250.00} which is incorrect credit limit was {$2500.00} Additional information was provided by Equifax stating consumer disputes reinvestigation in Process account paid for less than full balance. I received an online notification from Equifax stating dispute was completed and view now ; when I try viewing Equifax sends error message stating report can not be viewed contact them by mail every month since XX/XX/XXXX. 

XXXX made another update after this XX/XX/XXXX changing account number from beginning of the account to ending numbers to account as an update after dispute reported by Equifax. Every change is reported to 3rd party credit monitoring service.
My loans went into repayment in XX/XX/XXXX. I applied and was approved for an income-driven repayment ( IDR ) plan in XXXX and made regular payments on that plan. I was informed mid-summer XXXX that I would need to re-certify for IDR. I was given a deadline of XX/XX/XXXX to complete the re-certification. I completed the application to re-certify my IDR plan on XX/XX/XXXX. I received a message from my loan servicer in my online message center on the loan servicer 's website on XX/XX/XXXX. It said " You're Approved for an Income-Driven Repayment Plan. '' It also said that I would " receive your payment schedule detailing your repayment terms, scheduled monthly payment amounts, and due dates 45 days before your first payment is due. '' Today, XX/XX/XXXX I logged in to my loan servicer account portal and one of my loans had a payment amount of over {$1000.00} due XX/XX/XXXX. All other payment due amounts had been for {$60.00}. That loan is on autopay and if the full amount was taken out of my bank account it would overdraw my account. I immediately called Great Lakes - my loan servicer and asked them to explain why, despite the approval for continued IDR, I had a payment due of over {$1000.00}. The representative responded that my IDR application had not been processed until XXXX and had only been approved on XX/XX/XXXX. She then told me that because the application was processed after the XXXX deadline that the payment had increased but should eventually go back down. I was then chastised as she explained " this is why we tell people to be sure they fill out their re-certifications on time. '' She said in her system she could see that I had filled out the application on XX/XX/XXXX but could not explain to me why the application was not approved until XX/XX/XXXX. She also did not have a copy of the message that I received and could not explain why I had received a message which apparently misrepresented that I was approved as of XX/XX/XXXX. She also could not tell me when I would get a new pay schedule. 

I then asked to speak with a supervisor. The supervisor explained that my new IDR application could not be processed until twelve months had elapsed from when I started making payments. She said this was why my re-certification application had not been processed until XX/XX/XXXX. She then said that payment schedules " generate over the weekend '' and that my payment schedules could not generate until after the 12 months had elapsed, the application was approved, and then the schedule generated on the weekend which could happen this coming weekend, XX/XX/XXXX and XXXX or even next weekend XX/XX/XXXX and XXXX. This is obviously not 45 days before my " first payment '' on the " new '' IDR is due, XX/XX/XXXX. She apologized that she could not provide any payment amount information at this time and could not account for why I was told that payment schedules would be provided 45 days before the payment was due. At this time all I know is that I am approved for an IDR Plan but I have payments due on XX/XX/XXXX and I do not know how much I owe on that date.
Carrington Mortgage bought out our loan from XXXX XXXX XXXX in XXXX, 2016. We did receive a letter from XXXX XXXX XXXX stating that our mortgage was moving over to Carrington but never received information from Carrington on how to pay my bill. As my payment was due XXXX XXXX and by XXXX XXXX I still had n't received a notice I called Carrington Mortgage to find out that they had n't even put the account through the system and it would be up to 2 weeks before they did. I was able to get an account number and the representative told me for the first 90 days there would n't be a late fee added as long as the payment was received by the end of each month. I verified this information with her twice and made sure payment was made by the end of each month knowing by the 4th month it was back to regular due date. However on the XXXX and 3rd months I was not able to make a payment online as it kept getting rejected. I called Carrington and they stated the bank routing number was incorrect even though it went through the first time. I had to call back several times to get that issue straight. On the 3rd month the routing issue came up again and after a call to Carrington clearing it up the representative stated by Friday it would be unblocked and I could make the payment, there would be no late fee charged because it was their error. I tried all day Friday and all weekend to make the payment just to get the same error. On Monday I called again to find out I had a late fee for non payment. They finally agreed to waive that late fee but did not waive a fee I was charged for paying past the due date even though I was told I had til the end of the month. We were told the original representative that told me I had the first 90 days without a late fee was no longer working there and I was responsible for the late fee even though I was told the wrong information. We have never been late on a mortgage payment and due to this false information we now have a record of being late plus the expense of the late fee. When we called FTC a few weeks ago she stated that we were not the first complaint she had for them that day alone. On the BBB record they have a XXXX negative rating.
My husband and I disputed many accounts and inquiries on XXXX, XXXX and Transunion in XXXX, 2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.
I am a victim of identity theft and have been a victim of identity theft for over 11 years. There are 2 credit card accounts and 3 credit inquiries listed on my Trans Union, XXXX and XXXX credit report that are fraudulent, unauthorized and do n't belong to me. The following credit card accounts and credit inquiries are fraudulent and unauthorized : XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX, balance {$1500.00}, XXXX XXXX : XXXX, XX/XX/XXXX, balance {$1000.00}, The following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX, XX/XX/XXXX , XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/XXXX
I have been disputing a public record since XXXX 2012. I do not know the supplier is with Equifax or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal from the known XXXX bureaus and others may still maintain this falsehood. 
I am requesting this bureau to notify their supplier after they remove it from their records and XXXX other reports that should be removed or are no longer reporting a settled account. 
Thank you
I have made serval requests for this already, If you look at the attachment - they are deducting for my home owners insurance to pay*** They have not paid in 5 years, but they are deducting from my account -I have had to pay agent directly - PLEASE HELP! 
Here is what I am requestingESCROW ACCOUNT! - and Escrow account ONLYPlease send me a copy of all " Escrow transactions '' for the last 5 yearsAllPayments ReceivedAll Payments made from my account along withCANCELED CHECKS FOR THE ESCROW REFUNDS YOU SENT ME! 

PLEASE READ CAREFULLY AND PROVIDE THE INFORMATION REQUESTEDCC : CFPB
I have been a cardholder since 2011. I have a {$2000.00} credit limit, recently I 've had a balance of around {$700.00} because I just recently moved, bought home stuff, and switched jobs. This month, I never received my statement online but had contacted them on XXXX to make arrangements, as I was unable to make my payment due to health issues and recent difficulties. My payment was due on XXXX XXXX, I called and spoke to a representative on the XXXX. I said I was not able to make my payment until XXXX XXXX. He said he would keep my account on his " personal queue '' to ensure I did not receive a late fee, and that no damage would occur to my credit as I had called to make previous arrangements. He was professional, curt, and empathetic. Cut to today, XXXX XXXX, I received next months statement with a {$27.00} late fee and a notification that my credit limit was being cut to {$800.00} - a {$1200.00} decrease! I spoke to a supervisor who said she could not do anything to restore my credit balance or waive my late fees in full, she could only waive half of them, as I have had a late payment in the past. I reminded the supervisor that the credit limit decrease would DESTROY my credit score, and she said it was not her issue, as it was a decision based on my late payment and my credit history. I got onto my CreditKarma and my credit score had went down XXXX points on XXXX XXXX due to an increase in credit utilization, because i lost {$1200.00} in credit limit! I was on the phone with them for 57 minutes while they ping ponged me around. Yes, it is your issue. I 've been a loyal customer for the last 5 years, I 've sworn by their services and you just lost that. Awful customer service, no one can speak good XXXX, no one cares about promises that their representatives make, and they obviously do not care about their customers.
I have a loan through my credit union for a new car loan. My payments are due on the XXXX of each month. This month my payment falls on a Sunday. I logged onto my account today which is the XXXX and my account is flagged as being delinquent. I spoke with a Representative at the Credit Union and she informed me that my account was not delinquent, but because they are linked to the Treasury system it is flagged this way because of the posting. 

I pay my bills on time, and this is really frustrating to have my account flagged in this manner when it is not applicable to me.
AFS ACCEPTANCE is reporting on my credit trying to collect {$11000.00} plus XXXX ( XXXX XXXX XXXX ) also on my credit trying to collect {$6700.00} For the same account ... the vehicle was purchase from XXXX XXXX XXXX but was sold to AFS ACCEPTANCE so why both trying to collect??? I was never giving no notice of the auction or sale, was have sent any information were I could have attended the sale or auction please validate this account
Auto loan established with Suntrust bank. Made overpayment in XX/XX/XXXX of {$680.00} to be up-to-date on car payments. Advised per supervisor that remaing balance was approx. {$8000.00}. Car was repossed without knowledge XX/XX/XXXX. Vehicle was parked outfront of apartment building. Tow truck did not attempt to establish contact before taking vechile. Car was repossed by Suntrust Bank. XXXX XXXX ssi was purchased & auto loan established with Suntrust Bank back in XX/XX/XXXX. Made car payments up to XX/XX/XXXX to drop loan amount to approx {$8000.00}. Car was repossed as payment was 30days late yet contract states 60 days. Balance of {$8900.00} showing up in collections as increase on loan. However, never recevied 30day collection notice for late payment. No opportunity to make payment before vehicle was taken. This is fraud. Actions were taken by Suntrust Bank that are unjustified.
I saw an ad on Facebook that a friend posted saying this company could help reduce my student loans and after I paid monthly payments for 30 months my loans would be forgiven. I signed up. For the first 3 months I paid {$150.00} and then after that I paid XXXX a month. I had to renew 2 times so I could still be enrolled in the program. I got a call from my loan provider that I was behind and we need to solve this, I said no I 'm in a repayment plan through this other company each month I pay comes out automatically through my checking account. The lady from the loan company said no you have n't paid since last XX/XX/XXXX. I said where has my monthly payment been going and she said not to your current student loans. She said to call the so called company and have them stop payments or call my credit union. I did call both places. If my loan company had n't called me I would still be paying and my loans would stay and the same amount forever. I 'm glad that I answered that call. Documents I have attached are the contract I had to sign and complete before I could get help, and transactions saying I had paid but does n't say what it was paid to. Also is an email I get from payment company every month.
XX/XX/XXXX ( 3 mos ) {$920.00} MIDWEST RECOVERY SYS ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!
BY CHANCE, I HAPPENED TO CHECK MY BANK STMT. FOR XX/XX/2016 AND FOUND AN DEBIT FROM " THE UNIVERITY OF XXXX XXXX ''. NO ORTHER INFORMATION. I CALLED THE BANK AND WAS TOLD THEY COULD NOT DO ANYTHING ABOUT IT BECAUSE IT WAS MORE THAN 60 DAYS SINCE THE TRANSACTION. 
I CONTACTED ALL 4 BRANCHES OF THE SCHOOL SYSTEM AND THEY COULD NOT FIND THE XXXX DEBIT CREDITED TO THE SCHOOL SYSTEM. 
I CALLED THE BANK AGAIN AND THE REP SEARCHED HIS DATA BASES AND COULD NOT TELL WHAT OR WHO IN THE SCHOOL SYSTEM ACTUALLY GOT PAID. 
THE REP ALSO ASKED ME IF I HAD CHECKED WITH THE 5 OFF CAMPUS LOCATIONS. I DID NOT KNOW ABOUT THEM. THE LAST TIME I ATTENDED XXXX AND XXXX WAS IN XXXX.WHEN I TRIED TO CALL THE DIFFERENT OFF CAMPUS SCHOOLS, XXXX XXXX XXXX, THEY TOLD ME THEY HAD NO AFFILIATION WITH THE XXXX SYSTEM. I TOLD THEM THE XXXX WEBSITE EXPRESSLY NAMES THEM AS OF CAMPUS.I TOLD THEM I HAD NEVER ATTENDED XXXX.THEY TRIED TO LOOK FOR RECORDS OF ME BY MY SOCIAL AND OF COURSE THEY DID NOT FIND ANYTHING.I BELIEVE I WAS THE VICTIM OF ID THEFT.THE COMPLAINT I HAVE IS THAT BANKS SHOULD HAVE DETAILED INFO LIKE CONTACT PHONE NUMBER ON THE BANK STSTEMENTS JUST LIKE THEY PROVIDE MERCHANT AND CONTACT NUMBER ON INTERNET PURCHASES. 
YOUR AGENCY COULD HELP HERE AND GET THE BALL ROLLING TO REQUIRE ALL BANKS TO PROVIDE THIS INFO JUST IN CASE AN ISSUE DEVELS LATER. I PROBABLY CAN NOT SUE THE BANK BECAUSE EVERY COMPANY NOW REQUIRES ARBITRATION.
When I finished school I got a job, then was laid off, then got unemployment then got a job ( temp ) I went from unemployment to employment then back to unemployed with barely any ability to pay my loans off. I asked for help to pay a minimum and every tie was told to file forbearance. I did this for four years! My interest just kept going up and up.
I HAVE NO KNOWLEDGE OF SAID DEBT ACCEPTANCE NOW, XXXX, XXXX BANK, AND XXXX BANK AND I WOULD LIKE IT REMOVED AS ITS REPORTING TO THE CB AS AN CLOSED, NEGATIVE, REVOLVING ACCOUNT. XXXX is a car loan that was totaled and paid in XXXX by XXXX and gap insurance. the information was also shared illegally through a third part without my consent. I also sent out certified letter 609 letters and no respond, I have a lot of inquires that I did not put in as well. I also sent in a divorce decree that my ex spouse is accountable for all my debts and they have yet to remove them
Transworld System Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.
The company  XXXX   XXXX   XXXX  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report on   XXXX   They then closed the account on  XX/2016.  Next, they removed the ok status from   XXXX   and added an ok status for   XXXX   Then changed the whole history from charge off to failure to pay. I 've ever did business with  XXXX   XXXX   XXXX  company and I do n't think it is fair for them to damage my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them over 30 days. They did not respond in a timely manner
I experienced a property loss on XX/XX/2016. NationStar Mortgage is withholding disbursement of my remaining insurance funds. They have not communicated to me about why funds are not released in spite of my meeting all repairs and inspections requirements completed in XX/XX/2016. I keep getting run around from them and this is affecting me negatively. They are not in compliance with Texas Insurance Code requiring the mortgage company to release funds within 10 days of my meeting the requirements or communicating the requirements.
Equifax experience a data breach that compromised my personal information to unknown persons on Friday XXXX XXXX, 2017. I verified this information by using the https : //www.equifaxsecurity2017.comXXXX form. The company is not taking enough action to remedy this terrible leak of my trusted personal information.
In XX/XX/XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XX/XX/XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XX/XX/XXXX - which does n't add up in the first place because it does not show a 30 day past due in XX/XX/XXXX. In fact, when looking at the attached statements, the charges in question were from XX/XX/XXXX and when you look at the XX/XX/XXXX statement you can see the payment was applied on XX/XX/XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XX/XX/XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XX/XX/XXXX I did not see the 60 days late marked on this account for XX/XX/XXXX, however it has now reappeared there and my credit score which had gone back up in  XX/XX/XXXX/XX/XX/XXXX has now come back down again in XX/XX/XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point  decline in my credit score. Upon contacting XXXX XXXX again XX/XX/XXXX about this  issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account on my credit report.
I have been disputing the consumer credit reporting agency, TransUnion for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to TransUnion. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that TransUnion added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My last certified letter that I sent TransUnion was on XXXX XXXX 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.