WillisBack/dataset-financial-user-claim huggingface dataset:
Debt inclulded in Chapter XXXX BK, collection agency will not accept and continue to collect debt. Some one use my name and information for a ticket and failed I was charge with a XXXX, something I was not aware of this happened in 2011 and I am just aware of this. So I am trying to clear my name.
My wife and I have owned and occupied a XXXX home property in XXXX since XXXX. In XXXX we experienced a loss of income that caused us to fall behind on our mortgage payments. Our income improved in XXXX and XXXX to the point that we became eligible for potential loan modifications. In XXXX XXXX, after making the XXXX XXXX trial payments, we were approved for, and successfully executed a loan modification agreement with the lender ( Select Portfolio Servicing , Inc. ). In XXXX XXXX our lender sent us a new loan modification application with different terms including a higher interest rate structure in future years, and with no explanation as to why they were sending us the new, and unsolicited application. We called the lender and were told it was probably a mistake. By XXXX XXXX we began receiving notices that we were in default of the original mortgage ( as if the loan modification never occurred ), although we had continued to make all required loan modification payments. We escalated the matter with the lender while continuing to make the required payments until XXXX XXXX because at that point the lender was requiring higher payments than allowed under the existing loan modification agreement, and they threatened foreclosure if we did not pay the higher amount. At that point we began withholding additional payments and have instead held those payments in escrow. In XXXX, the lender alleged for the XXXX time that the original modification was never implemented because of some error in calculating the escrow balance for the account. This is the XXXX time they ever gave us any explanation or indication as to what happened to the fully executed loan modification agreement. The lender is now moving ahead with its plan to foreclose and refuses to honor the terms of the original loan modification executed in XXXX XXXX, through no fault of our own.
Purchased a vehicle in XXXX 2017 and received financing thru my credit union with a fico score of XXXX. Just received a letter from XXXXXXXX XXXX informing me that I was denied the loan due to information received from XXXX XXXX XXXX. Showing my credit score as XXXX with too many delinquent accounts and limited history at this phone. I currently do not have any delinquent accounts and have had the same phone number for almost 13 years. I read a few threads on them after receiving this and do not feel comfortable calling them to dispute this. Not sure what the CFPB can do but it was recommended that I report this. Hopefully you all can shed some light about their reporting practices Thank you for your anticipated assistance. 

XXXX
On XX/XX/2018, I sent a letter of validation to Amcol Systems Collection Agency. 

On XX/XX/2018, Amcol Systems returned to me a document that shows an account with my name on it and an address in which I have never resided at. I requested that they send me a signed contract or a hospital registration with my signature from the original creditor. They have not provided me with any proof that this debt belongs to me. 

On XX/XX/2018, I sent a letter of removal demand. This item has not been removed from my credit file and is still being reported even during the entire dispute process. 

On XX/XX/2018, I sent a 2nd request of removal letter. Request is still being ignored. 

Please see attached : Due to website issues, I am unable to successfully upload my supporting documents at this time. Please contact me with an alternative method. ( fax number or email address )
XXXX XXXX XXXX XXXX formerly NationStar - XXXX XXXX XXXX Texas, XXXX, phone XXXX, holds the mortgage to our home. On at least five separate occasions, I submitted a regular monthly payment plus additional funds to be applied against the principal. When that amount was greater than the monthly mortgage payment due, the company applied the funds to the next monthly payment ( principal, interest and escrow ) rather than applying the additional amount to the principal. After each of these incidents, I contacted the mortgage company and requested that the amount be corrected. The prinicpal payments were corrected. I further requested that future payments with additional funds be applied to principal. On XXXX XXXX, 2017, I contacted the company after the fourth incident and also filed a complaint with the company. I have not received a response to that complaint. On XXXX XXXX, I again made a payment greater than the regular monthly payment due, and the company took two monthly payments out of the amount instead of applying all of it against the principal. Furthermore, the additional interest was not recalculated after these payments. My concern is not only the effect of these unfair practices on my mortgage but the impact on others as well that may not be aware of this practice.
Hi I have complained before but you did not help me. I was told by a lawyer to try again. Wells Fargo has XXXX me for the last 3/4 years me and my wife have lost sleep worried about my home. XX/XX/2016 I  was told by XXXX XXXX to put loan in wifes name since I was in cpt XXXX. and she would qualify for Harp 2.0 I called Wells Fargo I was only one month behind due to sickness. I was denied they said you do not qualify. XXXX also was denied on the US Gov principle reduction. Wells Fargo said no.I have called and beeged for help and they denied me everything. All the US Gov programs help everybody buit us acording to Wells Fargo. They help me one tiome and went up on rate and years and I was told get out if We can not afford it. And the Ladies name I have.I have been underwater for 5/7 years and they sunk me further in dept. The place were I resident is located has gone Bankrupt and that hurt values.I know you have read about allm the fines that Wells Fargo has paid millions for XXXX to XXXX XXXX and XXXX XXXX  so it shouild not be too hard for u to understand that Iam just a number and money rules Wells Fargo. They are the hatefull and crooked ask anybody that has tried to work a solution that may help the consumer.They screw anybody that get in there way.I need HELP PLEASE Thanks XXXX  and XXXX
In XXXX XXXX, we were shocked to hear that our car insurance premiums were being increased because of our credit score. Putting aside the ludicrous fact that a credit score could impact car insurance ; we immediately reviewed our credit report. Amidst our 40 plus years of stellar credit involving mortgages, home equity and auto loans, credit cards - all paid perfectly, we found a past due owed XXXX. The original invoice clearly showed correct shipping, billing address, and phone number. XXXX also had our correct email that they used for daily marketing. Despite this, we never received notification of amount due. We immediately contacted XXXX and paid for our items in full ( {$100.00} ). We declined to pay any late fees - again refering to our order which clearly shows all of our correct information. XXXX billing department stated that they were totally separate from the order department - they were sending the bills to an address several years old. In XXXX, XXXX we received a " Notice of Collection and Special Offer '' from XXXX. We supplied all documentation - again, disputing the idea that we owed any late fees. Our credit score has been severely impacted - a charge off for {$380.00} in late fees still remains listed on our credit reports. This is the only blot in decades of credit history including mortgages, home equity and auto loans, credit cards. We have spent many hours sending documentation to the XXXX credit bureaus ... the only evidence of this effort is the comment " Completed investigation of FCRA dispute consumer disagrees. '' Before this episode, our credit score was XXXX ... it has been reduced to XXXX. We have a paid off mortgage, no car loan, XXXX credit card paid monthly, healthy savings and investments, and solid history of paying all bills in a timely manner.
On behalf of XXXX XXXX XXXX, XXXX ( XXXX ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received from the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2016. Specifically, this letter is in response to your concerns regarding the credit reporting for the above-referenced account. The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. 

XXXX submitted corrections to the credit reporting agencies to reflect the account paid in full. A copy of the Automated Universal Data ( AUD ) form submitted to the credit reporting agencies is enclosed for your reference. 

You may use this letter for verification, should you need to provide a potential credit grantor with proof that this correction is in process. Please allow three to five business days for the corrections to appear on your file. After that time, you may wish to confirm the corrections have been made by directly contacting the credit reporting agencies as follows : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHAT HAPPENED
In a previous complaint, I requested that Navy Federal CU take an account off of my credit report. Over the last several years, I have notified them on multiple occasions to take me off the account as an authorized user, but somehow it never seems to be processed. So with the CFPB as witness to my request, please notify Navy FCU that I no longer want to be an authorized user on this account, and remove the account from my credit report.
I sent in a complaint on my XXXX complaint # XXXX how XXXX  is lie about how I pay them XX/XX/2016 and it never happen they are just trying to stay on my credit longer I was able to log in my XXXX XXXX so I would love if I can get this complaint sent over or told again so I can know there response please and thank you cause there liein I never pay them XX/XX/2016
I use XXXX XXXX as a reference to my credit score, recently XX/XX/XXXX I happened to check my report and noticed my credit score went from XXXX  down to XXXX!, According to Trans-Union has kicked off this XXXX XXXX thing that XXXX XXXX has jumped on and used against me. Back in XXXX I briefly had a account with XXXX XXXX   while living in XXXX WI, I had signed up for a budget ( which was a huge mistake NEVER AGAIN will I fall for that offer ( Scam ). ), I then had to move and had the account closed to my memory XXXX XXXX at the time claimed my closing bill was {$100.00} - and since I was entering a XXXX XXXX XXXX XXXX I figured I would be paid enough to pay this bill and be done with it, however that didnt work out as I had hoped, so in a period of 2 months XXXX XXXX  decided to act out and run to a collection agency in a panic attack and exaggerate I duped them out of money etc, and the next thing I know is Im slammed with {$810.00} - XXXX No! There is no way I am paying these thieves that amount of money, {$400.00} yes, {$810.00} NO! and that is final. They have claimed which is a flat out lie that they have tired to contact me before collections, COMPLETE LIE, they had my number ( old one before it changed ) they knew how to reach me so the contact story was a farse, something I'm seeing on a regular basis out here in Wisconsin, a huge DRAMA state to say the least. So now since they are throwing their temper tantrum along with Trans-Union back in the picture playing their games again, they are using this XXXX nonsense that kicked off in XX/XX/XXXX. Also Trans-Union still has me owing XXXX XXXX XXXX to XXXX XXXX  XXXX which this was paid off LAST XXXX YEAR. Trans-Union obviously wants to perform their theatrical tryouts of XXXX  in court, Tell them THEY ARE ON! I will be contacting a Attorney for Slander and Lies as well as fraudulent attacks personally against me, I'm fed up with Trans-Union, this type of XXXX isn't on the other creditor bureaus only Trans-Union, and I know their a foreign operation which I cant understand why the Government allows to operate in the USA. Talk about uneducated XXXX! I have seen cockroaches navigate around better and they dont even have a brain!
I am writing to complain about the practices of PNC Bank relating to a mortgage loan and the ability to resolve a deficiency. Due to the financial crash of 2008, my home value has suffered a loss of approximately {$300000.00}. I have been trying to sell the house for five years with no offers that meet the amount owed. I requested a modification and after the modification was approved the monthly payments were actually higher than the original mortgage. I maintained the payments through the trial period after which time PNC stated we could sell the house through short sale if necessary. We found a buyer, however PNC wanted more than was owed and declined the offer. The loan went into deficiency again and we eventually found another buyer who made an offer and PNC was informed of the offer and began the process for short sale. While in the process of short sale PNC submitted the loan for modification status without our request, knowledge or approval ( it was the same as the current payment with no modification ) and removed it from short sale status, resulting in a delay of the short sale approval process and then turned around and put it into the foreclosure process
Hi We got sold into XXXX subprime mortgage marketing and we got stuck with the mortgage. Our current mortgage got sold into a trust serviced by BSI. I recently lost my job and BSI threaten to foreclose and kick my ( primary ) family out of the house. We asked for loan modification and we got the worst deal ever. Our rate went higher before, the monthly payment more than before and the term of the loan went from 30 to 40 years. Moreover, BSI filed the foreclosure and we are incurring lawyer 's fee. We have requested to work out a forbearance for 3 months until I can land on my feet. BSI refused and want to proceed with the foreclosure. We are desperately in need for help!
I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Equifax and spoke to a XXXX REP about my concerns. She stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Equifax and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Equifax stop victimizing me.
Wells Fargo offered a mortorium ( ability to skip XXXX payments without penalty ) due to our area being declared federal disaster area after major flooding. We were advised at the end of this time period we could modify if we were unable to make all payments at once. There was no written disclosure or agreement this was all done by phone. Previously XXXX 2013 our mortgage was modified due to medical /loss of income hardship which disqualified us for any additional assistance ( according to Wells Fargo ) which was never disclosed to us. We have been trying to work with Wells Fargo now for over a year and continuously being told to keep applying for a modification that our loan does not qualify for, in the meantime we were told we ca n't make payments and escalated to foreclosure. According to Wells Fargo the reasons for denial is that we make too much money, need to show a reduction of income, have been previously modified, and need to show proof of a hardship ( Which the hardship was the previous flood and now the acceptance of the mortorium ) After attempting at least four times for assitance we were finally advised to basically give up that our loan would never qualify for further assistance due to the previous modification. This was a deceptive act by our servicer because this information was never disclosed so we could make an informed decision about going through with the mortorium. We currently do not have a sale date and periodically contact our lender to see if other programs or help exist only to be told we do still do not qualify for assistance. We 've also been told that they will continue to advise us to apply because they cant refuse to offer, even knowing the outcome will be the same. This has given us false hope and allowed our deliquency to snowball. We escalated this issue internally with some other concerns about how they were initially attempting to contact us ( visiting our neighbors asking questions, ie.. if we still live here ) When we never stopped communication with them. I received a letter stating they did not find any violations and dismissed my complaint. ( see attachment ) We believe that we are victims of deception which was executed by no disclosure for the mortorium agreement and also a form of discrimination not being offered assitance due to having previous issues with our loan. We would like to move forward with this matter as a foreclosure hearing date has been set later this month. Wells Fargo needs to make this situation right and restore our loan and our faith in our loan servicer.
In XX/XX/2008, I attended XXXX XXXX XXXX XXXX in XXXX MD. Originally the XXXX XXXX took care of the tuition which was {$16000.00}. The school took out loans in my name under the guise of living expenses. I only received one of the many loans that is on my credit report which is in the amount of {$6800.00}. The other loans that are on my credit report are fraudulent because I never received any of that money. The school would make up excuses for why students couldn't get their money, whether they were under 90 %, they missed a couple days, they weren't able to get their money and the teachers and faculty pocketed the money. Now {$26000.00} later, I'm still paying the interest and not seeing any results from payments.
Credence Resource Management is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.
XXXX XXXX Canceled My Card and along with XXXX. ( XXXX ) Membership Rewards Points A month earlier the card was paid in full with no new charges. 
I have contacted XXXX XXXX multiple times and never received a response or any points or remuneration in any way. 
I just found out about CFPB please help me with this I paid this Account was paid in full and had XXXX. ( XXXX ) Membership Rewards Points Below is directly from my statement dated XX/XX/2013 Available and Pending as of XX/XX/2013 XXXX worth {$17000.00} XXXX XXXX Closing Date XX/XX/2013 Account Ending XXXX XXXX Account Summary XXXX XXXX Paid XXXX XXXX XXXX XXXX XXXX Payment Not Required Statement INFORMATION : Business Platinum Card XXXX XXXX XXXX Closing Date XX/XX/2013 Membership Rewards ( R ) Points Available and Pending as of XX/XX/2013 XXXX ( XXXX ) POINTS For up to date point balance and full program details, visit membershiprewards.com Previous Balance {$10000.00} Payments/Credits - {$10000.00} New Charges + {$0.00} Fees + {$0.00} Your account is cancelled. 
Regards XXXX XXXX Cell XXXX
I paid off my mortgage on XXXX XXXX, 2015 to Nationstar Mortgage. 
The lien release/Release of Mortgage/Satisfaction of Mortgage hasnot been recorded in the XXXX XXXX, Florida as ofXXXX XXXX, 2015. Florida statutes deadline to record is XXXX daysfrom the pay-off date for this matter. I have called to NationstarMortgage numerous times to resolve this issue with no success. 
The mortgage is under my wife, XXXX XXXX.
In her response to our CFPB complaint ( XXXX ), XXXX XXXX XXXX has used inaccuracies to justify LoanDepot maintaining a Delinquent Account alert against my credit reports. She states that all statements concerning this situation were sent to me and also placed on their website ( attached ). This is not true! I never received these documents and was completely ignorant of their existence till we received their letter dated XXXX XXXX XXXX with a XXXX check as return payment for our XXXX XXXX loan payment ( attached ). We immediately sent in a total of XXXX in a check and electronic payments to get us current. 
Based on my immediate monetary response to LoanDepot after receipt of the only document ever " sent '' by LoanDepot, I feel the " Delinquent Account '' notification against my credit reports is no longer justified but is being maintained to punish me.
I use the Synchrony Bank website to make payments to my visa account. I regularly double check that I have made my payments to my accounts and went to the website on XXXX XXXX to make sure I had scheduled the payment. However under pending payments there was not a payment to view. I must have forgotten to schedule a payment so I made the payment then. Five days later on XX/XX/XXXX, as I was updating my XXXX register, I found 2 payments of {$580.00} had been taken out of my account on XXXX XXXX by Synchrony Bank. I called immediately and they said I must have scheduled 2 payments. I told them I had checked on XX/XX/XXXX and there was nothing under scheduled payments so I scheduled at that time. 
I asked them to refund the money to my account. The person said that would not be possible and told me it would take 12-15 days to receive the refund. I asked to speak to a supervisor who told me if I wanted the money faster, I should go to my bank and request a letter showing my account with the double payment and fax the letter to them. In this way I would receive my {$580.00} in 3-5 days. I went to my bank and the letter was faxed the next day. 

On XX/XX/XXXX I received a form letter from Synchrony Bank thanking me for my inquiry, hoping they can help. 

Today XX/XX/XXXX, I again checked my Synchrony Bank account and the credit balance is still there. I searched the bank website for a better number to contact them again. To my surprise I found a box that says click here to request a check from Synchrony Bank and I checked that box. I did not previously see that box, nor did the customer service at Synchrony Bank tell me about it. 

I live on a fixed income and this has been hard to deal with. Since I checked that box for the refund, it will be another 12-15 days before I receive my {$580.00}. A month since Synchrony Bank took my money. If I were late I would have a hefty late charge and take a hit on my credit report. There should be a way to fine the bank and give them a hit.
Equifax mishandled my information and has now put me at risk of identity theft. Their website shows that my information was included in the breach.