WillisBack/dataset-financial-user-claim huggingface dataset:
Attached with is complaint is correspondence from me to Equifax  Complaint Department. Letter has been sent to dispute credit inquiries that I did not authorize, Letter was sent to verify collection accounts listed on credit report and if unable to verify, please delete. No response has been made regarding either letter that Equifax has received. Also, in attachments is a letter from   XXXX   XXXX   which I personally disputed, to which   XXXX   XXXX   sent myself a letter stating a decision was made to discontinue collection efforts being that the account was not verified nor belong to me. Same letter correspondence with collection company  XXXX  to which they also have ceased collection activities. The discrepancies listed on my credit report is making it very hard to obtain credit especially being that the entries described above were not authorized.
My home mortgage services Wells Fargo does not appear to be working with me in earnest to prevent me from losing my home in XXXX Massachusets. I have been ensuring compliance on every request. They previously turned down an offer to purchase by a qualified buyer because he was under their minimum XXXX. While I did n't want to sell the house, I was led to believe that this was my only option. It has been an incredible year of stress and what appears to be an endless spiral of red tape and even confusion by Wells Fargo 's own " loan preservation specialists '' - who appear to never know anything. I just received a loan modification offer that is literally just a few XXXX dollars less than what it was. It 's unacceptable when I have already paid beyond XXXX for this house. I really need help but I 've heard conflicting statements from my bank representatives. One moment I hear I may qualify for deed in lieu - next I hear that I do not qualify. I 'm at the point where I can afford to pay a reasonable amount to keep the home but I can tell that they do not tell you anything that can help you. They purposesly keep options from you unless you specifically ask about it. Then the preservation specialist tells you they need to find out. I really need help. I know the bank could work with me just a little harder for us to keep our home. We 're not that far from having a viable program, that a XXXX bank that ruined the economy anbd received XXXX bail-outs could afford to live with for a family who has already paid over XXXX in interest.
I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.
I am writing to express my frustration with the credit reporting practices of Fedloan Servicing. After I reapplied for an income-based repayment plan my payment increased significantly. I did not have the means to make the new payment. As I was trying to figure out my options for repayment Fedloan Servicing reported my account as delinquent. I was never contacted by Fedloan Servicing about my delinquent account. 
To my dismay, I discovered that my credit score dropped over XXXX points because of a negative report from Fedloan Servicing. I went from a credit score that was in the high XXXX to a credit score that was is in the low XXXX. I inquired with a credit bureau about why my credit score was so low. I was unaware that my federal loans were never consolidated when I transfer by loans from a XXXX XXXX back to the federal government. As I understood it my loans were consolidated under XXXX XXXX, but when I transferred them to the federal government they were somehow unconsolidated. According to Fedloan Servicing, I have XXXX outstanding federal loans. Fedloan Servicing reported a late payment for each loan. I now have XXXX negative reports! I no longer qualify for any type of credit! I was planning on buying a home this year but my dreams are dashed by this simple mistake! I am not sure how long I have to wait until I am creditworthy in the eyes of a mortgage lender. Despite buying a home I can no long obtain a fair deal on any credit. As I understand the negative report will stay on my credit report for seven years! 
I believe this an unfair practice. Most if not all consumers paying back their student loans to one servicer for student loans owned by one entity i.e., the federal government would think that their single payment to a servicer constitutes payment for the outstanding balance of the loans borrowed while in school. I believe most do not understand that the loans may be treated separately and that a late payment could result in the servicer reporting a late payment for each individual loan. Servicers of student loans should disclose that a negative report will be submitted for every outstanding loan if you are late on a payment. I was stunned that my loans were not considered to be consolidated although they are owned by the same entity. Fedloan Servicing and other student loan servicers should disclose to consumers when their loans are n't consolidated even if the loans are owned and or serviced by one entity and, as a result, a negative report to a credit bureau will show a negative report for every individual loan. This has indelibly affected my ability to obtain reasonable credit offers for several years!
I purchased a home in XXXX 2004, it was a conventional ARM withno income verification or documentation, based on my good credit score. 
I was not able to get a refinance and was to by the servicer of the loanthat I did not qualify for a loan modification after at first telling me that Idid. However, I was later served with foreclosure papers and have beendefending myself in court for the last 3 1/2 years against Everhome Mort.
I sold my townhouse at XXXX WI. It was suppose to close on XXXX XXXX, 2015. The closing Company requested a payoff on Tuesday XXXX/XXXX/2015. I requested the payoff on XXXX/XXXX/2015. I have called and the closing company ( XXXX XXXX, XXXX WI. ) has faxed and requested the payoff daily. I was promised it daily especially last Friday XXXX/XXXX/2015. I have still not received it. I can not pay off anything and they are charging me interest daily besides causing lots of problems. My husband an attorney called and they said they could not give him the payoff with the account number and my social security number. They refused to talk to him. 
The company is Seterus Mortgage. Loan # XXXX tele # XXXXXXXXThank you, XXXX XXXX ( XXXX ) XXXXXXXXOr you can contact XXXX XXXX WI. ( XXXX
I have been retiered for a number of years. My XXXX pension is giving me less and less dollars each month due to the constantly stronger dollar. 
Now I am starting up a small XXXX in order to make some extra income. To start up even a very small XXXX takes some money. I asked my bank, Chase, for a small loan but they did not even let me file an application. 

During this start up time money has been very tight and now and then the balance on my bank account dips under XXXX and I get hit with tons of fees for INSUFFICIENT FUNDS. 

During the past 12 months the bank has hit me for {$1300.00}. This is unacceptable. I am sure their lawyers have it covered so that it is legal but is it moral? NO! 

I had a fight with XXXX Bank about the mortgage on our house. Needless to say it is no longer our house. XXXX was very unfair in their dealing and they just recently agreed to pay a penalty of close to $ 1Billion for their wrongdoing! 

I took this info in writing to my bank office in Surprise, AZ but 2 months later I have still not got any answer.
I paid $ XXXX something which was the amt we agreed upon. She asked how i much i felt like i owed and that presented our agreement amt. She told me that this took care of the whole bill so i do not know where this amt is coming from. This debt originated well over 5 yrs ago but they keep selling it to new collectors. Should this not be removed based on the original date instead making it appear to be a new debt each time a new company gets it? I would greatly appreciate your reoresentation to get this resolved. Thank you
I am in a Chapter XXXX Bankruptcy case and Wells Fargo refused to consider my loan modification application even though the automatic stay is in place. They have adjourned my sale date in incremental amounts to ensure that they would not have to evaluate my loan modification application which is a violation of the automatic stay. 

XXXX from Wells Fargo is the employee that violated the Federal Automatic Stay by refusing the evaluate my loan modification application. 

I am also filing a motion for sanctions for violations of the automatic stay.
I called CitiMortgage and asked if there was anything they could do to help me by lowering my interest rate because my mother who had been on the mortgage with me had died and my income was too low to get a lower interest loan and I had tried for the HARP and HAMP loans and was n't qualified that way either. They had me fill out a lot of paperwork and when wall was said and done they sent me my new payment amount. I believe it was {$90.00} less a month. I did n't really look at it that closely at first but when I did I realized that they pushed my loan out to XX/XX/2050 and at this time I am only paying {$95.00} a month towards the principal. They did n't lower the interest on bit. I dealt with XXXX different people, XXXX in particular who seemed to work from a script and did not answer my questions very well. This was over a year ago but it 's really bothering me that they did n't really help me at all. Since that time they raised my payment {$10.00} a month and charged me {$600.00} additional dollars saying I did n't have enough in my escrow account for taxes and insurance.
Experian XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
American Express is reporting an account on my credit report that I am no longer an authorized user on. I would like the XXXX American Express accounts that are currently showing balances removed from my credit report
My concern is that I am supposed to be in a repayment plan. And XX/XX/XXXX is supposed to be the last payment of {$720.00}. This amount is the same from XX/XX/XXXX thru XX/XX/XXXX. In XXXX, I asked a representative " after I make these payments will this bring me back to current! And the representative said yes. He was a man. The representative said your payments will go back to {$480.00}. The new mortgage servicer ( Loancare , LLC XXXX XXXX. XXXX XXXX XXXX, PA XXXX. Telephone number is XXXX ) is asking for {$480.00}, and I am not finished with the repayment plan which is due on XX/XX/XXXX. XXXX XXXX # is XXXX I will just say, for several years this has been my main concern ( mortgage ). I moved form XXXX XXXX to XXXX XXXX XXXX   Mortgage Servicing, a division of XXXX XXXX to Loancare , LLC. I tried to contact XXXX Mortgage Servicing, at the number that I always use and the new servicer picks up the phone. On another occasion I called the number that I received in the mail on Saturday XX/XX/XXXX. And they said that they could not see any thing yet to call back on Wednesday or next week. New servicer is XXXX.
Payments to my XXXX account were delayed in being posted causing my account to be delinquent. My bureau now shows a 3x XXXX ratings and a XXXX score of XXXX when my historical payment history and credit rating has always been XXXX with no delinquencies. Now causing an issue with my ability to obtain mortgage financing
There is a fraud alert on my credit report with Experian that I did not request to be placed. Following complaint # XXXX through the CFPB, I sent Experian the requested documentation to prove my identity. They have not responded and the fraud alert is still on my credit report. 

This has stopped me from being able to open new accounts. Most recently, it hindered my process in obtaining a cell phone.
In XXXX XXXX I received a loan for {$2500.00} from XXXX XXXX XXXX that i planned on paying back within 2 months. I did n't get paid by employer what I was supposed to ( won a judgement against employer in XXXX XXXX ) and was n't able to pay the loan off immediately. The loan was serviced by CashCall ( a subsidiary/affiliate/shady partner of XXXX ) and eventually was transferred to XXXX XXXX ( another shady affiliate ). I made monthly payments of {$290.00} for 12 months. This amounted to {$3500.00}. About this time I did some research wondering why XXXX different companies were involved in the loan. That 's when I discovered all the different complaints and lawsuits and legal issues with the XXXX companies. I also found out that recently XXXX XXXX XXXX website had been shut down and had US government agency labels on the site. I decided that obviously they are n't doing things legally so I stopped paying. My credit was n't good so I did n't care, I knew I just could n't keep paying that amount, I was raising a child at the same time. I cancelled my bank account. The harassment came almost daily. Phone calls everyday, emails, and letters. I eventually told them they had the wrong number and the calls stopped. Eventually it came down to an email every other month offering a settlement with an ever increasing outstanding balance. Now it is XXXX XXXX and i am trying to qualify for a mortgage and this is hurting my credit which is now much better than it used to be. 
The entire loan was null and void from the beginning. XXXX XXXX XXXX was issuing loans that were illegal in their state and in my state of Arizona.
On XX/XX/18 I opened an account with a promotional code. 

As of XX/XX/18 I have satisfied the requirements for this promotion which were to fund the account with {$2000.00}, have 5 transactions, and maintain a {$2000.00} balance on the 60th day of account ownership ( XX/XX/18 ). 

On XX/XX/2018, I contacted customer support regarding this issue and they stated that there is no promotion attached to my account.
The mortgage loan I have with Ocwen matured on XX/XX/XXXX. Since then, I have been attempting to work out a payment arrangement on a balloon payment. They would not accept any payments from me except for full loan payoff. I always make my payments via XXXX. 

After several attempts to contact the relationship manager, I was told to make a payment of {$680.00} to cover the XXXX and XXXX payments. I sent the {$680.00} directly to them through their website. I also submitted the mortgage modification application they requested. When my next mortgage statement arrived, I saw where the {$680.00} was in suspense/unapplied funds. I contacted them again and I was told that they would be returning the {$680.00} to me in the form of a check, and that I would be notified regarding the modification. The check was dated XX/XX/XXXX. I also tried to make two more payments via XXXX which were rejected. 

In XXXX, XXXX, I received the Trial Modification payment notice. I was to pay {$320.00} on XXXX XXXX, XXXX. That week, I went to the XXXX location to pay it and this time, the payment was accepted. However, a few days later I got a letter from Ocwen informing me that I am not qualified for a modification because I am 90 days late or more, and that I can get my {$320.00} from XXXX.
On XXXX XXXX, 2016 Equifax re-inserted a public record ( Chapter XXXX Bankruptcy Discharged ) to my credit report, I have not received notification of the re-inserted information as required by law. Equifax has violated the law and is required to remove this item from my report immediately. I just spoke with XXXX XXXX XXXX XXXX at Equifax that verified that this information was inserted without proper notification. If Equifax does not remove the item immediately I will follow a small claims.
XXXX 2017 I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all three credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.
We 're in the process of buying a house in XXXX. We 've lived most of our lives in XXXX, but unfortunately had to make the decision to move because of health related situation. We started the application process on XXXX XXXX, we have submitted all of the official documents that were requested by the loan processor as well as the ones that were requested by the loan originator. Some of our documents are in XXXX, but the associate who was the originator of the loan assured us that that would n't be a problem because they do have XXXX speaking employees and that she used to work in XXXX XXXX for the bank were we had our bank account. By the beginning of the loan application we set XXXX XXXX as the closing date. The mortgage was being handled by an associate since the beginning of the application, and about a week an a half ago, it was changed without notice. This new associate, which was assigned to the loan process because he speaks XXXX, have made remarks like the loan process is taking longer because " there 's a language barrier '' to the transaction coordinator of the Realty company who 's representing us, when not only me but my wife as well speaks XXXX, he has questioned why we want to move to the United States, even though I 'm a XXXX citizen and a XXXX Veteran, and asking " why after XXXX years living in XXXX, XXXX you want to move to the United States '', in which from what I understand he should ask in a non specific way, and he has questioned even a transaction for {$9.00} for a purchase of Chinese food, just to make the process even more difficult to us. Documents are being submitted not only through Loan Mortgage application website, in which he 's in charge to verify and add notes when the customer uploads documents, or in case there 's a specific document needed, in which he has n't update any of the notes he wrote the first time he did, not really letting us know what is wrong with the documents we submitted, or is he want a different document instead, and through the mortgage originator. We have submitted our tax information, social security statements, my retirement pension information, my VA Certificate, and non of it has been enough. We already sent our stuff to XXXX through a moving company and shipped our car, and they told us we would not be able to close on the house today. We have the credit and the assets to cover the loan, and we have even chose and signed the terms and interests on the loan that we want, but we still waiting for them to finish the process. We might even loose the house we 've chose almost a month in a half ago. All of this has been more than tedious.
On XX/XX/2018 ( 38 days before foreclosure ) we submitted by fax requested information of getting loan modified due to death in the family of primary mortgage holder ( XXXX XXXX ) per conversation with Mr. XXXX XXXX of State Home Mortgage. Mr. XXXX verified that he had received the docs on XXXX XXXX. On XX/XX/2018 Mr. XXXX needed more documents an asked for info on roommate and it was sent via email given by Mr. XXXX. After two weeks had passed with no calls, emails or any other form of communication a call was made to Mr. XXXX concerning status and was told that a letter was sent out requesting documents ( to our suprise ). We waited another 3 days but still nothing came in the mail so another call was made and another representative unknown started inquiring about the loan and made reference to proof of residency after having provided the requested documents on XX/XX/2018. The file had been closed because information hadnt been received but nothing was ever asked. She then requested more documents and said that an email would be sent to detail everything. So on XX/XX/2018 ( Friday ) an email was sent requesting detail documents and those documents were sent back on XX/XX/2018 ( Monday ). After a 3 days a call was made but no answer, 4 days another call but no answer. Another call was made on the XXXX but no answer so an email was sent asking for updates but no response. After routinely calling everyday finally a voice picks up on XX/XX/2018 and Mr. XXXX informs us that file was turned down due to missing information not being turned in before the deadline on XX/XX/2018. I explained to him how can it be turned down for missing information that you just emailed us on XX/XX/2018 that was promptly given to you on next business day. Mr. XXXX said the lady that was handling this was out an wouldn't be back until after the foreclosure day. He said he would call back but we have yet to hear from him and I dont expect he will he hasnt been trustworthy in responding. While we had been going thru all this foreclosure proceeding was still proceeding. We have always provided the information that was needed in a timely manner, and have done as asked accordingly. We had thought to work something out but now given that it is 3 days before foreclosure and we havent resolved this we are forced to do the drastic measure of possibly filing bankruptcy. We are writing the consumer department because we thought this entity was in place to protect the consumer against bank actions such as these. Please help XXXX
Paid Vendors of all the credit bureau Agency 's have reported negative information without proper verification. I have disputed accounts listed and requested to have the verification/affidavit of the person who has verified as accurate and I have been denied the information.
I have a complaint about Merrill Lynch XXXX Alabama office. My XXXX account was taken over with funds exceeding over {$76000.00} and ML allowed a person that was never on account to withdraw all funds. The local Judge heard the case and has ordered that account be refunded, however to this day from XXXX nothing has been done. I have court order with me as XXXX account sole custodian and I have every check that ML has allowed to be cashed and taken from account even after account was frozen.