WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XX/XX/XXXX when my husband and I were in the process of getting a home mortgage, I realized that there was information on my credit report that did not belong to me. I called the credit reporting agencies and disputed the incorrect information which included an incorrect name, an incorrect address, and incorrect loan information. The incorrect reporting of personal information has continued to this day, XX/XX/XXXX - thirteen years of my time spent calling the credit reporting agencies and sending them proof of my identity. When the Equifax breach occurred, I immediately signed up for the XXXX XXXX service and placed a credit freeze through all three reporting agencies. On XX/XX/XXXX, I received a letter from Equifax, correctly addressed to me, stating my new address, which is my current and correct address, with an old address that was and has never been an address of mine. I immediately knew that my information was being spliced with the same woman whose information has appeared on my credit report for 13 years. I called and disputed the incorrect address explaining that I HAVE NOT ever lived at that address and that, I AM NOT this other woman whose information still appears on my credit report. On XX/XX/XXXX, I receive a letter from Equifax to my correct address but addressed to the wrong person - this other woman whose name has incorrectly appeared on my credit reports for 13 years. Again the misinformation and errors continue on their part. Then on XX/XX/XXXX, I  received a credit report from Equifax to my correct mailing address but addressed to this other woman. The credit report lists me as this other woman, lists her social security number, her date of birth, incorrect past addresses, and incorrect loan information. Then on XX/XX/XXXX, I receive another letter from Equifax addressed this time to the incorrect woman at my correct address. So correct address but wrong name. At this point I want to pull my hair out! When I go online to dispute the information in my credit report with the confirmation number that is on the credit report I was sent by Equifax, I can not even log into the page because the security questions are based on the credit information of this other woman. I then call Equifax and get a voice message informing me that they are closed on XX/XX/XXXX for the holiday. I called today, XX/XX/XXXX, and was told that I have to send in ( once again ) a copy of my social security card, my birth certificate, and my driver 's license to them in order for them to correct the information. I have already done this in the past. I now have to do it again. I was told that there is nothing they can do to fix this unless I do all of this again. I am starting to feel that the only recourse I have is to hire a lawyer and sue them, but I should n't have to! Equifax has just sent me all of the personal and private information for this other woman. I have her name, her date of birth, her social security number, her past information, her loan and account information - EVERYTHING! So my question is who has all of my private information. This needs to stop, and I need help
Dear  Officer  I am filing a new complaint against   Bank of America.
Bank of America promised me by giving me a nu  mber to call (  XXXX  ) to have its higher management to look into my case. I called every day and left the voice box of this number numerous messages. However, the owner of this phone has never talked to me.   This action of Bank   of America is not professional at all. This action of Bank of American is cheating.
Please ask Bank of America to explain why they should cheat their customers.     Thank you!    XXXX   XXXX
XXXX sold me a " new '' vehicle with the odometer registering 585 miles, which I did not notice until the following day because the car was tested at night and the salesperson changed the electronic display to show mpg not actual mileage. In addition I agreed to a 72 years loan a 0 % interest with a monthly payment not to exceed {$260.00} but they issued a contract for 74 months and a beginning mileage of 4 miles, therefore misleading the Ford Motor Credit to issue a loan under false pretenses. I have tried to get the Ford Motor Company to assist me but they have ignored my letter sent twice to the CEO, XXXX, my emails to Customer Relations and my voice mails to the Executive Offices requesting a call back phone call. As a result of XXXX deceptive selling tactics and wrong financial information on a contract for financing with Ford Motor Credit, a subsidiary of the Ford Motor Company, I suffered a financial loss by having to trade in the vehicle at a lower book value because it was not considered new by another Ford dealer. Attached is the contract with Ford Motor Credit as well as my correspondence to XXXX, President and CEO of the Ford Motor Company and my email replies to the company when they send me Ford propaganda. In addition to the car not being new, it had worn out, bleached looking plastic door frames and the Office Manager, XXXX offered me to have them painted, which I could not agree to. Loaned car sold as new using false financial information to the financing agent and with cosmetic defects. I am also attaching the contract with XXXX that sold me a new car in perfect condition after some minor delivery problems so that you can see that I suffered a financial loss that I estimated to be no less than {$2000.00}.
XXXX/XXXX/16 rcvd summons of a debt XXXX/XXXX/16 setup payment arrangements of 2 payments per month ( no set dates for payments as I am XXXX and my wife does not get paid on specific days of the month XXXX/XXXX/16 my wife called to submit payment - all operators were busy-left detailed instructions to call her back about giving them the payment and to see if I could do a short payoff for the remaining balance XXXX/XXXX/16 my wife received the call back - at her work ( she told them not to contact her work number ) they would not take the payment - would not do a short payoff they had already sent the debt to the court for judgement and was advised it would have to pay in full - my wife contacted them today XXXX/XXXX/16 paid the debt in full {$7100.00} These debts were mine, but my wife was still served and was named in the judgement Company name : Credit Management Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
My student loans are with Navient I applied to have payments reduced via some sort of repayment plan back in XX/XX/XXXX ... I later found out that all my loans were reporting separately as individual loans even though I had consolidated them years ago while they were under XXXX I called navient and I was told to do a request to have them consolidated again so that they report at XXXX loan instead of XXXX separate loans ... so I did ... then areond XX/XX/XXXX I received a letter about my repayment request saying I did n't turn documents in which I did and then I called and the rep located them and said she was forwarding them over. A few weeks later I received a letter saying I had a payment due XX/XX/XXXX even though my loans were in defferment until XX/XX/XXXX. I called and was told the loans were paid off because of the consolidation but my application for repayment plan was still being processed and there was nothing I needed to do .... now weeks later the loans are still reporting to the credit bureaus as XXXX individual loans and as personal loans ( even though they are student loans and were previous reported as such ) but on navients site they show as XXXX lump some with XXXX payment ... I also have not received anything further regarding my repayment options or application .... this has been the worst process ever and I have been patient yet getting no where with them..
Hi, While trying to retrieve my free annual credit report from the three credit reporting agencies I 've consistently had insurmountable problems with Equifax. Every time I attempt to retrieve my report they state there is some error and refer me to using the regular postal mail. This time it was even more frustrating. I managed to enter Equifax 's dispute page for the first time and as I was correcting obviously inaccurate information as I hit the " submit dispute '' button the system kicked me out and then would not let me re-enter the page. Then once again it referred me to postal mail to correspond. As I had already passed the automated verification I know it was'nt a matter of me submitting incorrect verification information. 

This consistent hinderance to simple access is very annoying and it really feels like there is a flaw in their automated systems. 

Please let me know if there is anything I can do to correct this.
I originated a home mortgage loan with XXXX XXXX XXXX in XX/XX/XXXX. The mortgage was transferred to Capital One when they took over XXXX XXXX XXXX. At that time I authorized an ACH payment to Capital One for the mortgage payment. On XX/XX/XXXX the mortgage was assigned to XXXX XXXX XXXX XXXX XXXX . I paid the mortgage off in full with a bank transfer of funds at XXXX XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX. I proceeded to Capitol One to close my checking account because XXXX XXXX XXXX XXXX. said they were going to take a payment from my Capitol One checking account. I did not authorize XXXX XXXX XXXX XXXX. to take a payment and have not given them any banking account information. Capitol One refused to close the account and said they were going to charge a non sufficient fund charge should XXXX XXXX XXXX XXXX. attempt to take a payment out.
Choice recovery is attempting to collect an alleged medical debt in the amount of {$190.00} from XX/XX/2012 which is beyond the statute of limitations for debt collections in the state of Ohio which is 6 years. It is now past that. I demand that this item be immediately removed from all 3 credit bureaus on my credit report as it is negatively affecting my credit. You have 15 days to respond with removal or I will proceed with legal action.
I am a XXXX XXXX and receive only one paycheck over summer. So on XX/XX/2018 I submitted three months of payments for my loan with Santander Bank. 

On XX/XX/2018 I called because I was unable to view my account online. 

When I called the women informed me that I was delinquent. 

When I asked why I didnt have access to my account she said I couldnt have access because I had filed Bankruptcy. 

This seemed like odd news since I obtained this car loan two years after filing bankruptcy and had historically had access.

When I questioned this she told me that they had changed their policy and would now only allow you to prepay payments for up to two months. This was never disclosed to me. Nor was their new inability to grant me visibility online to my account. 

I was told that I need to pay an extra payment to now bring my account current. 

This appears to be both unfair and deceptive lending practices to me as a consumer.
My credit was pulled XXXX/XXXX/XXXX because I am in the process of buying a home and I noticed the spelling of my first name was incorrect for TransUnion. 

Thank You.
The debt in question was paid in XXXX 2014 and is still being reported to the XXXX gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to ChexSystems XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.
On XX/XX/18 I disputed outdated info from XXXX on my credit report. Nothing ever happened. Experian refused to dispute the outdated info and continues to show it to this day. Experian never mailed me a letter stating my dispute was frivolous. Every time I call I can never speak to a human, I am automatically transferred to a robot, Experian is screening my number and transferring me to a robot that keeps me on hold forever. Experian told me XXXX pays them and I don't so they are going to display whatever XXXX sends them. I have no power in the matter even though the information is outdated and incorrect.
I have been sending " overage '' payments above my monthly financed contract to Kia Motors Finance USA. I have written them several times to indicate how my payments should be applied and requested that all payment amounts above my monthly finance statement should be applied to Principal Balance Only. I asked this company to confirm my request, and they continue to send me the same thing instead of confirming that my payments will be applied as instructed. In addition, they are reducing my next scheduled payment amount and using my over-payment to apply to future interest instead of as instructed.
Equifax credit reporting was hacked in Massachusetts. As a result my credit information has been subject to unauthorized release of credit information as well as potential credit fraud.
This company has called myself  1 time every six  months for the last few years. They are looking for a family member to collect debt from. I have no information on that person.   I provide our phone numbers and said not to call us every time. I tried to get information on how they got our information. They said something about skip tracing, I have no idea what that means.
Got screwed by Citibank on the {$400.00} bonus Checking account promotion. It was been almost 5 months since I opened the promotional account but I 've not received my {$400.00} bonus. I have contacted them many times and even though they insisted multiple times on the phone that i was eligible for the bonus and had met all the terms/requirements. The one supervisor I spoke to told me it was be credited on XX/XX/2017 but now it 's XX/XX/XXXX and I still have n't see the bonus credited. They filed an investigation/dispute on my case to research on why I did n't get the promotional bonus. Why would they need to file a investigation/dispute for a promotional bonus? Very nonsense!! I called again yesterday and the Rep told me there was a letter mailed out to me saying I did not qualify for the promo which was ridiculous. Every time I called, they tell me different thing. Very inconsistent. They are not promising what they promoted which felt like a scam to me. I will be closing my account this week. I 'm not going to waste anymore of my time arguing with them back and forth. This was my first time opening an account with Citibank and would definitely be the last time.
On XX/XX/18, a certified letter was sent to Trident Management regarding a debt owed in the amount of {$720.00} on my credit report. I specifically asked for authorization and validation bearing my signature regarding this said debt as I'm not aware of this claim. I was instead sent a bill demanding payment. I have been disputing this debt for a year now to no avail. Upon further investigation, XXXX reviews, and XXXX reviews, this company has been labeled as reporting fraudulent activity on consumer reports. I demand that they sent me validation of said claim or contact all 3 major credit bureaus to have this item deleted.
In XXXX of XXXX I reviewed my credit reports from both Equifax and XXXX. I noticed that both my primary mortgage with XXXX and XXXX mortgage with XXXX XXXX were incorrectly being reported as part of my Chapter XXXX Bankruptcy. Prior to the confirmation of my Chapter XXXX case the home was sold in XXXX of XXXX and both mortgages were paid in full. Both of these accounts were ordered expunged from my Chapter XXXX case in XXXX of XXXX because they were not included in my bankruptcy. In XXXX of XXXX I opened disputes with both Equifax and XXXX. XXXX corrected their records after investigating and they now correctly report the mortgage as not included in the Chapter XXXX Bankruptcy. XXXX XXXX replied that they are reporting it correctly as included in my Chapter XXXX Bankruptcy based on their records. Copies of the Federal Bankruptcy judge 's order, the mortgage satisfaction document from XXXX XXXX, the XXXX XXXX mortgage marked PAID IN FULL have been included with each investigation in XXXX of XXXX and also separately to XXXX XXXX on XXXX XXXX, XXXX. I also included my current Chapter XXXX Trustee report showing the XXXX XXXX mortgage as expunged and provided my Chapter XXXX Case File number so that XXXX XXXX can verify the data themselves as a creditor at XXXX the Chapter XXXX Bankruptcy National Data Center. Despite receiving multiple copies of the Federal Bankruptcy court order and supporting documentary proof, as of XXXX XXXX, XXXX XXXX XXXX insists they are reporting the account correctly as being part of a Chapter XXXX Wage Earners Plan even though it has a {$0.00} balance, was paid in full and ordered not to be part of the Chapter XXXX Bankruptcy by a federal judge.
I was trying to short sell my home. I called and asked about the process. The employees kept saying the lost paperwork, someone passed away so they had to start over again ( SEVERAL TIMES ). I was told I could NOT do a short sale I had to do a deed in lieu, however, I contacted my attorney and she told me that was n't true. She stated everyone has a right to first try to short sale my house. I went to meet a potential buyer and I was n't even late on my payment and the door knobs were already broken, so I couldl n't even get into the house. There was some property management company sign on my window. I was dealing with a realtor and he got so angry with  one of the  workers they were cursing at each other and she hung up in his face. Finally I had a buyer for the short sell and they told me well you only h ave 2 weeks  before your time runs out to do a short sale so we ca n't do this and told my realtor sorry we would n't be able to close in enough time so, the house went into foreclosure. I can have both realtors contact whomever needs to be spoken to. I also file a complaint on the website when this happened, but heard nothing back from anyone
Hello Sir/Madam, I received a " Notice of collection placement '' from a collection agency by the name of EOS CCA sent on behalf of XXXX XXXX for the amount of {$1000.00} on XXXX/XXXX/15. I found out from XXXX XXXX that somebody had stolen my identity at XXXX XXXX store to purchase XXXX phones 2 years ago. I had to file a police report before sending my dispute to XXXX XXXX and XXXX via email with all of the support documentations. 


Best Regards, XXXX
I am on the list of potential victims of the Equifax hack. Ridiculous considering how many people this affected and I would have had no idea I was affected if not for XXXX. No communication from anyone else about me personally being compromised.
Lightening had struck my house and started a fire in the walls. The fire department was called, the fire was put out, and NationStar mortgage and insurance company called and informed of the event. The insurance company sent out their inspectors, who made assessments and quickly issued a check for an amount of {$77000.00}. When our XXXX company actually started to open the walls for all the fire and water damage, they found that the fire and water damage was far more extensive ( another XXXX XXXX dollars worth ) than what the first assessment was. The insurance cut the additional check. 
The problem is that the checks have to come to us, then to the mortgage company. The mortgage company will not release the money to the contractors. They always have some sort of issue with the payments schedule, materials, and anything to hold on to the funds. We have been out of the house for XXXX months, and it is still not fixed, because the mortgage company keeps holding the funds. The house only took XXXX months to get built. Right now we only have XXXX weeks to be out of this temporary apartment. After that we will be homeless.
Date XX/XX/XXXX On XX/XX/XXXX, we took a second loan out on our home from XXXX. XXXX created a Deed of Trust which was recorded on XX/XX/XXXX with the XXXX. Per documentation, we were paying XXXX, and then we started to pay Bayview XXXX XXXX for this loan. On XX/XX/XXXX, Bayview Loan Servicing recorded a Substitution of Trustee and Full Reconveyance with the XXXX This document states ; the undersigned does hereby affirm that this document submitted for recording does not contain personal information about any person. Mortgage Electronic Registration Systems INC as nominee for XXXX XXXX, it 's successors and Assigns is the present Beneficiary of that certain Deed of Trust dated XX/XX/XXXX made by XXXX and XXXX XXXX, husband and wife as joint tenants as XXXX with XXXX as trustee for the benefit of XXXX as original Beneficiary which said Deed of Trust was recorded on XX/XX/XXXX. Wherein said present Beneficiary hereby substitute Bayview Loan Servicing XXXX as trustee of the named trustee under said Deed of Trust. 
We request that Bayview Loan Servicing LLC answer our questions below in writing and provide documentation. 
First, per these documents, Bayview Loan Servicing was not the lender of our mortgage, is this correct? 
Second, even though XXXX was the nominee for XXXX, was XXXX still the investor of our mortgage loan? 
Third, who did Bayview Loan Servicing pay our monthly mortgage payments too, for how much and what were the dates when payments were made? Please provide documentation! 
XXXX, if XXXX sold this note to another investor, please provide an assignment of Deed of Trust that proves that XXXX sold it, on what day and too whom!
Eastern Account Systems got the collection item XX/XX/XXXX and neither they or the originator, ever invoiced me or gave me the opportunity to challenge the claim. 
I never hired or obligated in any fashion, to pay the amount that they are claiming in the collection. The collection came from a hospital visit on XX/XX/XXXX which was paid to the hospital by insurance. 
The client of EAS collections has no claim against me for I never hired them, I never agreed to pay them any amount and I knew nothing of them at all until I found their collection item on my credit record at the end of XXXX. 
EAS collections should have given me all my rights to challenge this prior to placing the collection item on my records. 
I herein challenge the account in it's entirety and pray they provide written proof and documentation proving without question I owe this.
OCWEN is in the process of foreclosing on my home. OCWEN claims that I 'm thirty + payments behind, which is not so. If true, why wait so long to notify me? 
I submitted a " Complete '' Loan Modification Package XXXX, XXXX 2015. OCWEN waited until the end of XXXX 2015 to contact me stating the package was incomplete " UNTRUE ''. 
I 'm in the process of submitting yet another Loan Modification Package to OCWEN. 
When I pull up my account on the OCWEN web site it states Current Balance = {$0.00} Amount Past Due = {$0.00} Amount-Status = CURRENT. I have made copies of these statements. I do n't understand how OCWEN can get away with this malpractice? 
OCWEN hired a law firm in the XXXX 2015 claiming I had not been making my mortgage payments. It 's a good thing I had the proof that these payments had in fact been made. Not a single word back, until the Letter-Of-Demand, & Foreclosure Notice. 
Before OCWEN claimed amount due was {$160000.00}. As of yesterdays letter Ocwen states the amount due is {$270000.00}. How can this be?? 
Every time I turn around the amount they claim I owe is different. From last month to this month the amount has gone up well over {$10000.00}. How can this be?