WillisBack/dataset-financial-user-claim huggingface dataset:
My husband lost his job in XXXX weeks before we closed on our house and we tried to pull out of the loan and instead they told us they would open up a home equity line to help us pay the mortgage until we were back on our feet we ended up financing almost 100 % of the home price We tried renegotiating the loan several times to get rid of the home equity line because we were only able to pay the interest on it but because of declining home prices and the economy no one would touch our mortgage I had to close my business and XXXX and file an LLC chapter XXXX I reaffirmed both the mortgage and the home equity line however when we tried for a loan modification in XXXX XXXX I suddenly started receiving letters about a bankruptcy and charge off of our home equity line when I looked at my credit report I noticed it was reported to the credit agencies that the home equity line was included in the bankruptcy and it was not I contacted Wells Fargo about it and the credit agencies but Wells Fargo insisted that it was not reaffirmed even though I sent proof to them and the credit agencies then they told me the credit line was charged off and if I wanted to continue to pay it there would be no more interest accrued and I would be paying down the principal My credit score declined after they reported this now we received a letter stating that the equity line is in a repayment process and we must start painting paying {$350.00} a month in XXXX we have been waiting to hear the outcome of our loan modification since XXXX XXXX and have been getting a run around ever cents please helpWe owe {$270000.00} on the house plus an additional XXXX on the line of credit and the house next-door to us just sold for $ XXXX applying for the home modification we were advised by Wells Fargo home preservation specialist to become a month behind on our mortgage or it would look like we were able to pay the mortgage and we would have a better chance of the modification if we were behind in payment
I purchased a product from XXXX XXXX XXXX, it was one of their specials during their fund-raising season. XXXX XXXX XXXX XXXX XXXX XXXX program, should have been booklets, DVDs, etc. Was charged {$240.00} by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX UNITED STATES OF AMERICA ( THE ) XXXX Additional Information : XXXX Reference : XXXX Category : Merchandise & Supplies - Internet Purchase After waiting a while without receiving the kit, I called XXXX XXXX XXXX and asked about it. They said those had been delayed but be patient. Assured me we would eventually get the products ordered. So I was patient. Still did n't get anything, so finally in XX/XX/XXXX I called back and they said the same thing. Today XX/XX/XXXX I tried to dispute the charge with American Express,  and they informed me that they could n't do that as I was beyond the 60-day dispute limitation. So -- first, XXXX XXXX XXXX took {$240.00} from me and then encouraged me to be patient. I was. Second, American Express claimed they could not help me since it was beyond the 60-day limit for disputes. Catch-22!!!!! Please help me resolve.
I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is XXXX XXXX XXXX, which calls me numerous times per day.
Northland group sent me a letter attempting to collect a debt. I sent a debt validation letter that they received on XX/XX/XXXX,2017 asking them to validate the debt. Legal debt validation is a complete payment history, an agreement that bares my signature, letter of sale or assignment from original creditor to their company, a signed agreement that bares my signature with authority to collect on this debt, information relating to the purchase of this debt is not proprietary or burdensome. Under FDCPA section 809 ( b ) Northland Group is not allowed to pursue collection activity until debt is validated. Courts ruled that reporting a collection account indeed is considered activity.
XXXX XXXX XXXX have a Account on my credit report Account Number XXXX Date Opened XXXX/XXXX/XXXX
Please refer to complaint number XXXX where the company provided the following response : " Our company received information that the account is no longer due, we have closed the account and it was never reported to the credit bureaus. We did not use " harassment tactics '', as the consumer claims. We received an account from our client and attempted to collect it. As soon as we received the updated information, collection efforts ceased. '' First, I have to disagree because there were certainly threats. Second, it should be illegal for a collection agency to attempt to collect a " claim '' of debt without verifying that a debt actually exists. Now, at this point, the company is sending bills, XXXX to be exact, on hospital letterhead that contains a phone number and PO Box associated with the collection company. When calling the number, the greeting used to answer the phone is " business office. '' Each of the XXXX bills have the same account number with the exact same content within the letter with the exception of the amount owed ... there is a different amount on each bill, yet it is the same account number with no other identifiable information such as date of service. The amounts claimed to be owed are the same amounts claimed to be owed previously! Thus, the attempts to collect CONTINUE despite the fact that there is no debt!!!
This collection company continues to harass me and report negatively on my credit about an adverse account that does not belong to me. I sent a dispute about this erroneous account over 60 days ago and they still have not sent any response, no validation. Yet, they continue to report this error on my credit file.
From XX/XX/XXXX to XX/XX/XXXX Navient tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to Navient and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.
I contacted the loan places Im on XXXX XXXX there saying I have to pay {$500.00} a month that not right it from moneymart
I checked my credit report to find several unauthorized hard inquiries without permissible purpose by American Express on the following dates : XX/XX/XXXX,  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I only applied for ONE card with American Express on XX/XX/XXXX and for which I was approved but then AFTER my approval I was hit with 5 additional inquires that I did not authorize nor give any permissible purpose to access. When I contacted American Express they informed me that these would be " soft inquiries '' and that they would " fall off '' within 3-5 business days. They indeed are NOT " soft inquiries '' and have not " fallen off '' in 3-5 business days. Therefore it is my specific request that they be removed from my XXXX report as I did not give any permissible purpose for them to access my credit report past the date of XX/XX/XXXX.
I was married XX/XX/XXXX, and have contacted the three credit card beauro 's to update information on my credit that was either outdated up not correct spring of XXXX. 

The three credit reports came from TransUnion, XXXX Currently I am trying to purchase a home, and the lender has stated, that all three companies have my name still incorrect, in many variations. 

Each credit company has told me that they could not update my name until lenders or credit card companies send in information of the updated name, because that is where the name changes come from. One has stated they can put my name as AKA but also keep all the other names on file. 

My problem is I have notified these companies months ago about the updated information, the mortgage lender will not approve my home loan without the information updated to show my legal new name despite the fact that the previous names were the names used for credit and they have a marriage license to prove so. 

I need this information updated asap. The banks had my updated information since early this year, and the social security office as well the passport office. All my government official documents have been updated, and the credit beauros are causing my loan to possibly be denied because they have not correctly updated my information even though I have joint accounts with the new last name, banks with the new last name. 
Thank you
The company put this on my credit report without notifying me of the debt, did not give the right to disputed, and reinserted an old debt as new debt on my credit file without giving me a five days notice first.
I have public records from Virginia Courts that remain on my Transunion report. Recently, these same records were deleted from my XXXX report due to a lawsuit.
While I was on XXXX XXXX I was medically retired and during my last two months of service I had to sell my house and move and I listed the property and we got into contract in XXXX of XXXX. I had never missed a payment or been late at this time. The title company requested a payoff from Nationstar now renamed Mr. Cooper in XXXX and it was delivered and our closing date was set for the last business day in XXXX the XXXX. The escrow had to be extended because of delays by the borrowers lender and we weren't able to close until the XXXX of XXXX. I called Nationstar the first week of XXXX and they said the payoff demand had been updated to include XXXX payment and that I could either make the payment or it could be added to the pay off demand, we went the payoff demand way because title recommended we do that to not have to request another. 


We closed and they received their full pay off. Then I retired from the XXXX in XXXX and moved. In XXXX of XXXX I had my credit run and my lender told me I had TWO 30 day late payments for my mortgage from Mr. Cooper one for XX/XX/XXXX and the other for XX/XX/XXXX. We closed XX/XX/XXXX and the closing statement reflects that's, how was I late in XXXX by 30 days and I followed what they had told me to do and now they were punishing me. 


I called Mr. Cooper and went through their 30 day review process it took over 75 days and they only sent me a letter saying they were right. I called and asked how that was possible when I had followed their guidance and I didn't even own the house for 30 days in XXXX and they told me that they were right and there was nothing I could do about it. I explained that as a XXXX Veteran their actions were causing hardships on my family, I had NEVER missed a payment or even been late for over two years with them and they said it wasn't their problem and hung up on me.
I purchased a car from Santander, I had to move because of job related issues I could no longer afford the payments so I did a voluntary repossession. The company sold the car and then still tried to collect the full amount of the car from me. After I was told that all I would owe was any balance if any that was left after the car was sold. They are still trying to collect  over 15,000.00 from me  and the car was n't even that much to begin with.   this is the second complaint, they responded stating that they could n't find any information. I am providing the la st four number s of my ssn #  XXXX , I do n't have any vehicle information anymore because this has been almost 7 years ago.
I received a phone call from a company called STP Management onXXXX read the message and ignored it. Then received another on XXXX/XXXX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX XXXX, this happened sometime XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX , XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you
XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.
I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXX, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.
I also have issues with XXXX XXXX bank where there was settlement in agreement they remove there information from my credit reporting. That was purpose of doing settlement since they had wrong information and I never miss any payments. The XXXX Bank smart connect have me down highest balance XXXX that 's incorrect its a lesser balance XXXX. My credit score did n't go up since made my last payment to XXXX smart connect. Im trying to get my credit score credit should be showing much higher score XXXX. I would like Department Education to be remove off my credit report because past statue limitation that can be shown on my account thank you.
Xoom has been notified my information was fraudulent used to obtain money from me using a fictitious link by a criminal person overseas. I reported it to my credit company that I was seeking services for my website from a company and they provide a link for my information. They used mu information fraudulently to take an unauthorized payment from my credit card. Xoom is trying to twist my words so they will not be responsible for the merchant charge.
My Mom has a credit card with XXXXXXXX XXXX Credit card. She is XXXX years old. She fell at the beginning of XX/XX/XXXX and was admitted to the hospital. She was in the hospital for 3 weeks and now in a XXXX XXXX ever since. I live in another state and my sister lives an hour half away from my mom. We were able to get my mom close to my sister. Over XXXX XXXX weekend I was able to go home to pick up the mail and look at all the bills I have called all the outstanding bills including a XXXX credit card. They heard the story and XXXX  waived the late fees and I paid all the bills. When do called XXXX they told they were not able to change or make adjustments accrording to their policy. I was a little frustrated but I asked what the steps we can take to waive the late fees and get the bill paid. They instructed me to have my mom call and add me to the account and say that I can talk to them on her behalf. They said I will be able to talk to them about late fees change address etc.. I said ok I will see what I can do. I called my sister and instructed her the steps. She went to my mom at XXXX. She helped my mom get to customer service to add me to the accout so I can talk to them on her behalf. I then called back to request the late fees. They could see the notes from the previous week and that my mom called to add me to the account. However they were not able to talk to me about late fees because I dont have poa on the account. I was lied to the week before because they did not instruct me on that subject. I wanted to close the account and they told me they could not have all to me on the account. Im very frustrated with them and I have a bad feeling that they pursaded my XXXX  year mother in opening an account.
An associated from RS CLARK AND ASSOCIATE contacted me a few times back in XXXX about a debt that they had received from XXXX. I was threatened that if I did n't pay them that they would sue me for the debt and add it to my credit report. I called XXXX XXXX to figure out what was going on and we went all the way through each payment to see where the mishap happened. The mishap was on their end and cleared my account of any charges and notified RS CLARK that I did not owe any debt to them. I got XXXX more calls from RS CLARK stating that XXXX was still reporting that I owed them. I told the lady that was lie and that they had indeed sent them notification that it was a mix up on their behalf. The lady from RS CLARK asked if I had the payment transaction numbers for the services. I gave her ( XXXX XXXX/XXXX/16 & XXXX XXXX/XXXX/16 ), RS CLARK confirmed this with XXXX and thank me for my time. That was the end of that ; RS CLARK was suppose to send a letter, never got the letter. nothing was ever placed on my report or anything until yesterday when I got an alert that RS CLARK had posted an collection on behalf of XXXX XXXX that owed {$50.00}. I owe nothing to them and I have called XXXX they know nothing of the debt and did not send RS CLARK anything to report and do not know why. I have included photos of the transactions that I listed above and a copy of the account tab on XXXX XXXX website/
On XXXX XXXX, XXXX, we received letter from Wells Fargo informing us that we did not qualify for Home Affordable Modification Program. We were told that XXXX XXXX requires that the property be owner-occupied. The XXXX XXXX website says requirements : Property Type : XXXX-to-XXXX-unit XXXX residences, including condos, PUDs and manufactured homes. 
XXXX homes XXXX-to-XXXX-unit investments properties We meet the requirements for the XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX This single family house is for the one of the investment property. As noted in our Hardship Statement, we are presently current on the mortgage payments for XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Because of the increasing medical and assistance with daily living costs, we fear imminent default once the mortgage payments almost double in XXXX XXXX, XXXX. As I mentioned earlier, my husband list his job in XXXX XXXX which lead to our financial issues and we had to file for Chapter XXXX Bankruptcy. My husband suffered a XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX in conjunction with XXXX. XXXX. We would very much like to resolve the loan modification matter so that we can focus on his recovery. Thank you for your assistance in this matter.
I decided not to argue about the debt as it was {$110.00}. The issue is she wrote down all XXXX digits of the credit card which is a violation of the XXXX rules and regulations and I am filing a complaint with them. She also wrote down the security code. It is a violation of Federal Law to write down the XXXX digit security code. She refused to provide me with a copy of that form. She admitted that they do this every day. 

This business needs to have a surprise visit so they can not hide the violation. Business name and address : Alpine Credit Inc. 
XXXX CO XXXXXXXX advise how this illegal practice can be stopped and the business fined?
ACS has stated that I have used all of my forbearance and I have not I asked them to provide with documentation and they have not. In the mean time they are charging me late fees and saying that my account is past due.
I spoke with The Bankruptcy Courts and they emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
I want loan discharged 100 % because the school I went to, XXXX XXXX College was not accredited. Also I could not complete school due to medical issues.I want loan from Navient taken off my credit report as well.
First, the reported credit limit is incorrect. My credit limit was {$35000.00} yet it is being reported as only {$18000.00}, making it appear I used more than 100 % of the available credit, which is harming my credit score. Worse yet, in response to my dispute letters, XXXX retaliated. Specifically, XXXX reported to XXXX that this debt was a mortgage as opposed to a credit card. XXXX did this with the intent to destroy my credit score and prevent me from getting a mortgage. XXXX 's retaliatory behavior is criminal. There must be laws against this sort of retaliation.
TransUnion can not prove this debt is valid with documentation from date of service. These debts have been bought and sold many times now and there is no evidence of origination except for names. Please remove this debt since it can not be validated, as XXXX has already begun to to do. I have no knowledge of this debt. If it can not be proven, I have a legal right to have it removed.
I applied for a Sam 's Club/Synchrony card XX/XX/XXXX for a promotional purchase for one year interest free. At the time of application, I was told I was declined. However, a week later I received a paper stating that I was accepted and should be receiving my cards soon. The only reason I applied was for this promotional purchase, which I ended up putting on another card. When I called Synchrony, I was told that if I go into the Sam 's Club and have them re-bill my new card with the purchase, I could then call in and they would apply the promotional rate. So I did this and called back Synchrony. Now, they are telling me that the promotion ended XXXX XXXX and my purchase was on XXXX XXXX, so my rate will be 23 % instead of the 0 % interest for 12 months. But my purchase was really in XX/XX/XXXX and I do n't know why I was told I was declined. The first customer service agent I talked to tricked me into thinking they would honor the promotional rate if I called back in to get it fixed. Now, I 'm stuck with a purchase at a 23 % interest rate. Had I known they were not going to honor the rate they promised, I would have cancelled the card. But I think they told me they would honor the rate so I would keep the card and be stuck with their 23 % interest rate. They offered me a {$50.00} credit as an " I 'm sorry '', but that is unacceptable given the 23 % interest rate over a year. I would like them to give me the promotional rate of 0 % for 12 months, which they promised me, which is the only reason I keep their card.