WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I sent TransUnion Corp.a request to reinvestigate several items on my credit report.. 

On XXXX/XXXX/XXXX, TransUnion sent me a letter/report which did not correct the incorrect information for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. 

The specific information that is still incorrect on the report dated XXXX/XXXX/XXXX and needs to be corrected includes the following : XXXX XXXX XXXX XXXX Reported Balance is listed as {$0.00}, which it is not. The current balance as of XXXX/XXXX/XXXX was {$130000.00} ( see attached statement ). 
Under Pay Status, it states that my account was included in Bankruptcy. I filed for Chapter XXXX bankruptcy on XXXX XXXX, XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XXXX/XXXX/XXXX ( see attached XXXX XXXX. The Chapter XXXX Plan states that payments to XXXX XXXX XXXX XXXX will be made outside the Plan with no modification of contract terms and with liens retained. In other words, this loan was not included in my bankruptcy and the bankruptcy should not be listed under Pay Status on this credit report. 
The Payment History ends in XXXX. I have paid this loan, with a couple of exceptions, on time every month since I filed for bankruptcy on XXXX/XXXX/XXXX and I am ahead of schedule in my payments ( see attached statement ). 
Under Last Payment Made, it states that my last payment was on XXXX/XXXX/XXXX, which is erroneous. My last payment was recorded on XXXX/XXXX/XXXX for {$1100.00} Under Remarks, it lists Chapter XXXX Bankruptcy, which, once again, should not be referenced on this report, since this loan was not included in the bankruptcy, It lists the loan as closed on XXXX/XXXX/XXXX. This loan is not closed, as can be seen from the attached statement. 

XXXX XXXX XXXX XXXX My loan is listed as closed on XXXX/XXXX/XXXX, which it is not. Please see the attached statement. 
The Balance is listed as {$0.00}. The current balance as of XXXX/XXXX/XXXX was {$21000.00} ( see attached statement ). 
Under Pay Status it states : Account Included in Bankruptcy. As stated above, I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XXXX/XXXX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to the XXXX XXXX XXXX will be made outside the Plan with no modifications of contract terms and with liens retained. This loan was not included in my bankruptcy and mention of the bankruptcy should not be listed under Pay Status on this credit report.

The Last Payment Made is listed as XXXX/XXXX/XXXX. I made a payment of {$400.00} on XXXX/XXXX/XXXX. 
Under Remarks it states : Chapter XXXX Bankruptcy. Since this loan was not included in my bankruptcy, there should be no mention of it in this section. 
Under Estimated month and year that this item will be removed, it lists XXXX. I am not sure why this date is different from the removal date for XXXX XXXX XXXX XXXX, which is listed as XXXX, which is seven years after I filed for bankruptcy.
I have tried for 4 times to request a loan modification with XXXX XXXX XXXX, XXXX XXXX and 2 times with Select Portfolio Servicing and have been unsuccessful since 2009. I 've tried to resolve this matter and I beg for you for a fresh start and a mortgage payment that is affordable so we can continue to live the american dream to own your own home. I feel that the Mortgage companies have discouraged me to continue to fight to resolve this matter and have been difficult to deal with because no resolution has ever become of the 4 attempts of my loan modification. I am now at my wits end and do n't know what else to do to save my house. Please help me to resolve this issue with a loan modification.
I have held a mortgage against my house since XXXX 1994. I have NEVER been late. 
A payment was scheduled for XXXX, but apparently it did not go through. I do not understand, and was unaware that the payment did not go through until I began to receive letters from Citibank/Citimortgage that they had notified the credit bureau 's that I was in default. I called the bank, and informed them that I would schedule a payment with my bank immediately. The rep wanted me to send it over my phone, I refused, he kept right on trying to get me to send a payment over my phone. In addition, he tried to put words in my mouth stating that I had forgot. I did NOT forget to sent the payment. I am a XXXX year old XXXX female veteran. Was he making fun of me? I tried to get customer service to allow me to view my account online, but was told that I had not linked my mortgage to whatever. I have not been able to view my account online for over 3 years despite all I do with citibank to make this happen. I only have XXXX mortgage, only XXXX product with citibank, so I do not know what this person was talking about. I was sold to citibank. I did not choose them. The XXXX payment was received on XXXX XXXX.
XXXX XXXX XXXX account in collections since 2008 for balance of XXXX. XXXX collections provided the account number and directed me to XXXX. The XXXX XXXX XXXX representative researched the issue contacted the collections agency and provided the following diagnosis : the spelling of the my first name and Social Security Number, do not match those listed on the account. XXXX XXXX XXXX will notify the collections agency of its error and remove my information from its records.
My problems with my lender are so compiled. In XXXX I refinanced with Countrywide and I set up an escrow impound account. In XXXX I received notice I was in Tax Default for taxes not paid XXXX. I called my lender ( Bank of America ) and the gentleman on the phone in the escrow dept. Informed me that they used my impounds to pay a different parcel and that had to increase my mortgage pmt by $ 200+ mo to make up for their error ( for the next 12 mos. ). My mortgage payment on my note is {$1700.00} the payment now incl. Impounds {$2300.00}. My taxes {$3900.00} yr. My insurance {$780.00} yr. So since XXXX My lender ( COUNTRYWIDE, BANK OF AMERICA, XXXX, XXXX AND XXXX MORE TRANSFER I CANT REMEMBER ) has been comp letely mishandling my impounds, they refuse to work or even talk to me. They are harassing me about forclosure because I told them that until this is straightened out I will not be throwing more money away. This is out of control. With all of the penalties, late charges, interest and so on my calculations on this piece alone ( there are several more problems ) appear that I am owed close to {$60000.00}. I have been ripped off. Misled and Im spoken to in an awful tone. I will not throw not XXXX cent more to these vicious thieves. They will not touch my property. THIS IS WAR!!!!!
I filled a dispute with EXPERIAN, regarding that an account that is showing on my credit report that I did not authorized to be open. 

The account is XXXX XXXX XXXX XXXX, and EXPERIAN came back saying this is a valid account but did not provide an Affidavit of Debt or documentation that I actually opened the account. The other two credit reporting bureaus removed the account because they were able to verify that this was not my account.
The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA in XXXX of 2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
Citizens Bank Underwriter,   XXXX   XXXX , contacted the  appraiser ,  XXXX   XXXX   XXXX , at her manager,  XXXX   XXXX  's direction, and asked him to change the appraisal after it was accepted and approved.      Citizens Bank d enied the loan based on false information provided by th e appraiser  and by incorrectly applying investor guidelines.     A complete explanation is provided in the attached document "  Citizens Bank Underwriters Choose Flexible Integrity. ''
There is a tax lien that was paid and canceled with the state of Georgia in 2013. I have the letters from XXXX County Georgia Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.
I had questions about incorrect information I found on the National Student Loan Data System. I called my servicer, Fed Loan Servicing. The woman I spoke with told me that Fed Loan owned my loan, as opposed to merely serviced it, and that Fed Loan did not report any payments to FSA, only credit reporting agencies. I knew this was incorrect information. I asked for a supervisor and was transferred to AES. They sent me back to Fed Loan where I talked to a woman who kept interrupting me and would not let me ask any questions about my NSLDS information. She kept saying my question was about PSLF, but it was n't. I was trying to ask about my repayment history. I was not allowed to ask her any questions, I kept being cutoff mid-sentence. She refused to open up my NSLDS information and look at it with me on the phone. Finally, I let her transfer me to the division that dealt with PSLF. The man on the line told me I was at the " escalation department '' and was able to tell me that after a repayment review ( 90 days ) my information should be updated on NSLDS. This was a fairly simple answer to give, I have no idea why I had to go through all of these steps to get it. 

This whole thing took an hour. I got bad information, received rather XXXX customer service from one representative ( to put it politely ), was transferred three times, talked to four representatives, and was referred to AES -- which does not service the Federal Direct Loans I have. Overall this was a rather stark experience. I have no idea how people without a preexisting understanding of Federal Student Aid programs manage to get any accurate understanding/information about their loans.
My original mortgage was purchased by Wells Fargo a couple of months after I closed on my home. I have been paying my mortgage payments for almost six years. I have been making additional principle payments to get to 78 % of the original loan amount so that I can drop the FHA mortgage insurance. I have contacted Wells Fargo twice in the past year to inquire the amount I need to get the principle down to and the process to make sure the insurance payments stop on time. I contacted them a week ago and this time they told me if I want to stop the insurance payments I would need to make an additional payment of {$2400.00}. They also said that my mortgage may be changed to protect the investors. Since this is an FHA mortgage I didn't think they could change the terms of my mortgage. It looks like they want to continue to charge me insurance payments even after the FHA insurance has stopped. How can I make sure Wells Fargo is following the FHA guidelines and I am protected?
Roughly 2 years ago my wife and I filed Bankruptcy, which we did request to reaffirm the mortgage, which was with XXXX at that time, with our attorney. He filed the proper paperwork to ensure this would be completed. In a conversation with him, I understand that the courts do not necessarily push this like they do on a auto loan. The servicing was transferred to Nationstar Mortgage a little over a year ago, and we have been paying them on time since. I recently applied for credit and learned that the mortgage is not reporting on my bureaus. I have reached out to Nationstar and their response is that I did not reaffirm the debt, which is not true.
I received a letter from US Bank, the issuer of my VISA credit card. US Bank is raising the interest rate on the card to almost double what it was. Not because we were late with a payment. We have NEVER missed or been late with a payment since we 've had this card which is over a decade. No. They are grossly raising the interest rate because our balance is too high in proportion to our credit limit. Now here 's where the complaint comes in. The only and I mean only reason the balance is this high is because US Bank promoted it! How so you ask? US Bank sent us a few Balance Transfer Checks in the mail. They asked us to please transfer other balances from other credit cards/banks to our US Bank credit card account. This was for a fee of course. So we did this. We transferred XXXX other balances that had a higher interest rate to the US Bank credit card account. Following the sales pitch that US Bank sent us. This essentially doubled our balance on the US Bank VISA card, but it was still well below our credit limit. So now they are raising ( almost doubling ) our interest rate to a level that 's higher than the interest rates were on the original accounts we transferred from. This seems like a " bait and switch '' routine. 

To sum it up US Bank asked us to transfer balances from credit card accounts that had double digit interest rates to the VISA card we have with them that was single digit. We did this. It was a good deal. It doubled our balance but did not put us over any limit. Now after we 've done this US Bank is going to raise our interest rate to double digits that 's higher than the accounts we transferred, and they say it 's because of our high balance ; which they encouraged!!
Hello I was involved in auto accident in 2007 a ( fender bender ) and that person named XXXX XXXX ran to the courts filed a {$500.00} lien against me right away. He argued his case in court against my insurance company and lost. I still show a public record on my credit for absolutely no reason
I inquired about a loan last year with XXXX XXXX. I did NOT know they would send it out to other companies. I did NOT ask about a loan with the following : Equifax Mtg., Equifax Mort, XXXX, XXXX, XXXX, XXXX, XXXX ( listed twice ). I've never heard of some of these before. 

The ONLY ONE I recognize is the XXXX. 

I want these taken off my credit report immediately. I think it should be against the law for one company to send my information to other companies that I WAS NOT applying for. Please correct thisASAP
i applied for a loan through Big pic loans. They said they were nit a payday loan and my payment would monthly. I paid my first payment on XXXX XXXX. On XXXX XXXX they took an additionL payment out. I called ca and they said i agreed to biweekly payments. I asked for the phone transcripts to verify what i was told on the phone. The said that they could no longer provide phone transcripts. They referred me to my contract several times. I tried expalining to them that what i was told and what they did is differenntthan what what i was tild. I signed the contract based on the phone call. And what the customer service person tomd me. I asked sevwral times if thia was a payday loan amd ahe said it was not. This is a decptive lender. I have paid XXXX on an XXXX loan to date but still owe XXXX pribably more. When i took the loan based in one monthly payment the loan was to be paid in one year. Now because if i now this loan will never get paid off due to the extreme interest rate and based on the fact that i was figuring once a month not twice. I am willing to pay back the XXXX with a resoanable interest but its not possible with the fees ans interest they are charfing. I have placed a stop on my bank account so they can not pull money out of it. Today a payment was due according to there records but can not pay biweekly i never would have agreed to biweekly payments. I need this resolved before it gets out if control and phine calls start. If i have already paid XXXX then i owe XXXX more with a reasonable interest rate. I wasnt able to se the interest rate until after i signed. It is impossible to pay this back. I am also scared of what they can do since they are a triba company. I need a resolution to this as soon as possible to date i have not received fees becauae i paid to stop all payments frim this company. My bank is aware that they may try a different ame and amount so we are monitoring my account. I paid XXXX to stip payments from them. I have demaded that the company remove my account info from direct debit. They said they would but i am being proCtive against them so since today was the first ao called missed payment i dont know what they will do expect charge me ridiculous fees. When they start harassing me i will privide proof. I dis not agree to biweekly paymnets and i do not get paid biweekly so they also changed my application by updating my pay info. This company need to be stopped. They advertise specifucally they they are not a payday loan.but they are in the worse way very deceptive. I also want to make sure they dont destroy my credit by updating it charge off. Also because they took an unautoeizsd payment out of my account my other bills did t get paid this is a horrible company that uses lies to run their company legal action should be taken against them.
My credit report is displaying a late payment record for a credit card account. XXXX claims that no late report was issued to the credit agencies. ( See chat transcript ) I  want the negative information removed, as the payment was not late per XXXX!
boy at the rate these repugnant useless companies reply back its laughable NO investigation no work done, they just email the debt collector get a reply back that is always a yes and then close these VALID complaints out within 3 days with a generic copy and paste response from a generic employee that probably worked at a XXXX XXXX last week. 
Yet again another cryptic message from these morons. there is an unauthorized 3rd party means nothing to me so since I have to guess what the XXXX you mean I have every right to include evidence from XXXX XXXX showing the sheer incompetence and stupidity of the company you work for if you werent so cryptic I wouldnt have to grasp at straws and if you werent so in favor of continuing to believe XXXX just because they bought my social Unsecurity number from god knows who, just continues to show how since XX/XX/XXXX you have done zero to fix this matter and remove this FRAUDULENT charge from my report and just continue to take the word of some low rent debt collector. You have my authority to inform whomever the XXXX 3rd party you want. And zero authority to refuse evidence I present in my favor. however you DONT have the authority to forward anything to XXXX it is NOT their job or decision to decide whether this is fraud or not its actually YOUR job. Transunion and XXXX. 
after my social security number was hacked in XX/XX/XXXX I received a debt collection from XXXX in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination transunion/ XXXX   has towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. transunion/XXXX DOES NOT take a customers word as evidence or the paperwork provided but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked.
Hello Consumer Financial Protection Bureau? I am XXXX XXXX, I am Writing to You All about trying to apply on Several attempts, To apply for a Payday loan at Ace Cash Express. The first time was On XXXX XXXX XXXX. I was turned down due to mistakes on a credit report. Then, I wrote and asked them what happen on the application? They then, wrote to Me again and told me to apply One more time at the same place. I did what they told me to do over the Phone. I applied two times in ONe day? I still was turned down. Then I called the Corporate Office on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXe. Told me to wait on the Certified Letter coming in from her? I did. It came in on XXXX XXXX XXXX. I stated I did not owe them anything so I should NOT have any trouble reapplying for my loan. I waited Until the day, of XXXX XXXX XXXX. I went to the store on XXXX XXXX here in XXXX Tennessee. She then said where is the Letter, I gave it to her, and She laughed at Me. She then, took the information and told me to write all of it down. I did again and fill out the loan application to get started with. I did? She then told me to write on the application my full name address and how much of the loan I qualify for. She then said, Ok? then 2 pieces of Paper come up and she told me, My XXXX XXXX You do not qualify for a loan. I then asked here why? She told me that the XXXX pulled up some derogatory information that was in the computer at the time. I told her my score is XXXX and why are you all using a POS machine on a Payday loan anyway. I did not know we had to have very good credit in order to receive a payday loan. That should not have happen on the third time around. She basically pulled information up so she would deny me of the loan. I then told her, Let me speak to the Owner or the manager. She then told me to leave, because the owner is not here, and I needed to get Out '. She had ran a credit check on me without, My permission or telling me this information. Then they would not let me speak to anyone on it. Calling the texas office, did not help either. they said she did what was right from the start. I do not think Pulling Up a credit Report without, permission or even asking me before hand was Right. This is how I was turned down for the Loan in the first Place. She called me today and asked me to go to other places To Reapply, I said No, I may report this to someone. It is unfair to Me. I do not have anymore gas to go and reapply at the same place or even another store. She then Hung up the phone. I think this is just wrong to do customers this way.
I informed them that I can not have anyone contact me at work regarding a debt. They came into my work threatening to sue me in front of my boss, co-workers and customers putting my job on the line after I told them I can not be contacted there. They are also coming to the house I stay at and leaving notes on the door several times.