WillisBack/dataset-financial-user-claim huggingface dataset:
I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD
I was married for XXXX years and my husband was a drug addict addicted to prescription narcotics, he was and I am a registered nurse. My husband and I filed bankruptcy in XX/XX/XXXX because of his prescription drug addiction caused him to make poor financial decisions. In XX/XX/XXXX my husband abandoned myself and our XXXX children and moved from XXXX to XXXX to be with his XXXX. I filed for divorce and was granted a divorce under misconduct and was awarded full custody of both children. I tried to keep my home not knowing that the mortgage was included in a bankruptcy. When I found out that my husband married his mistress I called Chase to do a loan modification to put the house just in my name and that is when I was notified by Chase that the only way to do that was to have my ex-husband sign a XXXX claim deed and my ex-husband stated he would NOT sign anything pertaining to the house. Me and my children had no choice than to move. I have since restored my credit and am trying to move forward with my children and this house is still hanging over my head since XX/XX/XXXX. The mortgage with JP Morgan and Chase was never re-affirmed. Chase is not reporting on my credit report but has failed to take this house out of my name with XXXX and the FHA. A credit agency was asked to do a investigation and I have attached this report to this complaint as well as my hardship letter. I have applied to and been approved for a mortgage with the FHA and the only hold up is this house still being in my name. I have consulted XXXX attorneys and the FHA, all of whom stated " we have never seen a case like this where the house is not on your credit but still in your name '' XXXX attorney I spoke to stated " I guess you got a free house ''. This has become a joke! I just want this house out of my name. I have told my story over and over and no one can advise me of how to get this done. I feel my rights have been violated as a consumer, this is unfair and immoral that these banks can take their sweet time and disrupt and destroy a persons life. I paid on that house 11 years and due to this unforeseen circumstance that happened to me and my children, my husband gets to move on with a new wife and a new home, cause he put it in his wife 's name and me and my children continue to be punished. WHO PROTECTS MY RIGHTS!
I purchased a Car in XX/XX/XXXX and CapitolOne Auto Finance financed the vehicle. The Car was paid off in XX/XX/XXXX and I was never late on making a payment, however in reviewing my all XXXX of my credit reports capital one auto finance reported that I madone late payment. I requested the negative item be removed from all XXXX of my credit reports by sending challenged letters to dispute the XXXX negative item, however the item has remained on all XXXX of my credit reports.
We just went through a period where we were making extra payments due to my having been out of work earlier this year without pay. Now we are trying to make our normal payment but we ca n't reach anyone at the phone number, they are no longer open after XXXX EST and when calling during normal business hours, no one answers the phone. I 've seen numerous complaints online from other customers as well about the same thing. I 'm afraid that if we ca n't figure this out, we 'll lose the house. I ca n't even make the payment online. The mortgage company is HFC, the phone number is XXXX. Thank you.
I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and XXXX, TransUnion, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, XXXX, XXXX, and TransUnion are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.
I had requested to be taken off the auto-dialing system, to which the company complied. My account is currently in collections due to financial hardship and they continuously call me during work hours and even on Sundays. I have requested multiple times to not call during the hours of XXXX - XXXX Monday through Friday and no calls on Sunday. They state they have " noted the file '' but I keep receiving calls during these requested no call times. When I address it with the worker and/or their supervisor, they 're response is always : " our system is not capable of not making calls regardless of the customers request. '' Which I find odd if I am no longer on an auto dial system, the person manually calling me should see the " notation '' that states not to call during these hours. 

When I present this ongoing issue to workers and their supervisors, their response is always as follows : " Sir, you have stated you can not talk during these hours yet you pick up to the phone to tell us that you can not talk. In this amount of time we could have resolved your issue. '' I explain to them that I am at work and can not discuss my account during these hours and they continuously harass me stating that I am clearly able to discuss my account if I have the time to call and complain. 

They seem to be violating my requests to not call during certain times and I am suspicious as to if my request for being removed from the auto dialing system has even been completed. 

Navient employees are quick to say that my account is past due and I need to pay a certain amount to bring it current, yet whenever I look at my account online, there are different amounts listed as to what would be needed to bring it current. This is misleading information. I have never been able to have Navient confirm what exact amount is owed or when my billing cycle generates. An employee on XX/XX/2017 informed me I could make a payment of {$100.00} to bring my account current, yet today on XX/XX/2017 the employee stated I needed to pay {$130.00} This is becoming a headache and seems very unethical in their collection practices. I am constantly being presented with rude workers who do not want to help resolve the issue, instead want to harass. I have asked " supervisors '' multiple times to review the recorded phone calls to see how their employees treat customers and they state they will, but I doubt they ever do. If they were to listen to my phone calls, they would see how the employees are not there to help but to ridicule and demean those who may not be able to pay at this time.
We sold our house in XXXX 2014 and we received the FULL RECONVEYANCE along with a check for the money we made from the sale of the house. We did n't know until now when we are trying to buy a house that OCWEN destroyed our credit because they said our house was paid for less than the balance. I have been fighting with them for months and they now say we owned them almost {$10000.00} and they refuse to clear our credit report to show the house was paid in full. The title company and the Escrow company has even been involved and does not understand. OCWEN claimed they voided out the payoff quote and gave a new one however, no one ever saw it and it was done after the house was paid in full and we received our FULL RECONVEYANCE. Again, they refuse to change our credit reports and they claim we owe them almost {$10000.00}.
I originally got a home equity line of credit ( heloc ) 9 years ago with XXXX. This loan has since been sold once and then ultimately sold again to a company, Real Time Resolutions ) based in XXXX, Tx. They originally told me when I told them this was a heloc that it was n't but after 'investigating ', they finally acknowledged that it is. However they did say that when the loan matures in XXXX 2017, the entire loan would need to be paid off. I told them that the terms of the original loan were that at maturity, payments to the principal of the loan would start. I have been paying interest and principal the entire time since I started drawing on the loan. They told me that they were a debt collections company and did n't have to abide by the original terms of the heloc.
I have a mortgage with Specialized Loan Servicing. I have been paying PMI for four years now. I currently owe {$250000.00} on my loan. I asked that my PMI drop because the current value of my house exceeds 20 % of what I owe. They sent an appraiser and they determined my home was only worth {$290000.00}. I currently have two houses for sail in our neighborhood ( one is my neighbor ) for sale for {$350000.00}. My house is one of the largest in the neighborhood and it is estimated value online at {$390000.00}.

I asked them what the appeal process was and was told they have none.
Good Evening, On XX/XX/XXXX a representive from XXXX, based in California contacted me about a debt my father owed to them and asked if I could give them his information. They disclosed to me at that time the debt was on his XXXX XXXX. I did not give them any information and hung up. On XX/XX/XXXX the same company contacted my ex wife about the same situation and disclosed the same  information to her. On XX/XX/XXXX I submitted a better business bureau comlaint against the company to which they never responded and sent them an email telling them to stop contacting me and my ex wife. On XX/XX/XXXX a representative from the same company contacting me saying they would stop contacting me and my ex wife. In the email the representative carelessly left a reprimand they sent to another employee about leaking clients information via mass email. The information I received was that the clients were late on their payments and it included every clients email address. I will give you the email should you ask. Then today XX/XX/XXXX. The company sends a tow truck to my ex wife 's address in UT to collect my fathers car, he lives in CA, and gives her roommate a card with my fathers account number for the claim on it asking her roommate to contact my father about the debt. I have pictures of the card as well.
We are trying to refinance our house. 
Background : In XX/XX/XXXX my wife was laid off from her job. We tried to refinance our mortgage but could not as my wife was out of a job. We tried to get a loan modification from our mortgage holder, XXXX, for hardship as my wife was laid off and my son had to have XXXX at that time. After they had us go through the motions collecting all our data they said they could not modify the loan as it was a bundled loan they purchased and the investors would not allow it. The mortgage was originally with XXXX. After I sent letters to our congressman, XXXX agreed to temporarily lower the mortgage payments. After my wife got a new job, we tried again to refinance and instead XXXX said since she was back to work we had to pay back the difference of what we would have paid and what they lowered our payment within three weeks or they would foreclose on us. This was $ XXXX! We ended up taking the money out of our XXXX retirement account so they would not foreclose on us and again they said they could not refinance the loan. We could not go to another lender as the price of the house had dropped by about 50 %. 

We now are again trying to refinance after cleaning up our credit and house value finally coming back. Our credit union said my credit is still damaged because of a {$12000.00} Federal Tax lien from XX/XX/XXXX which was paid off in XXXX. We are trying to get Equifax to remove it from my credit report as it was paid off in XX/XX/XXXX.
XXXX XXXX receiving payments from XX/XX/XXXX to XX/XX/XXXX.and refuse to tell the consumer me and my spouse who made and authorized the payments made.THIS IS FRAUGHT AGAINST THE CONSUMER .ALSO .XXXX XXXX. on foreclose account XXXX XXXX sold at Sheriff 's Sale for {$100.00} from CitiMortgage to CitiMortgage, and evicted me and my spouse, THEY are now reporting this account as open 1 month late on our credit reports.This account is no longer our responsibility, and we have not be compensated for our $ XXXX XXXX send the payment history for the account # XXXX that they lied and said they provided in their response date XX/XX/XXXX stating that no record of payment of receiving payments from XX/XX/XXXX to XX/XX/XXXX. 
WARRANTY DEED TO OUR LAND..Also this account went into default LAST PAYMENT MADE over 7 years ago evidenced by attached statement of reasoning by Judge XXXX XXXX XXXX filed XX/XX/XXXX with the courts, and should be deleted from our credit reports permanently.
I asked this creditor to stop harassing me at work and at home, they are calling my work and my cellphone Im having hardship and I cant afford to make regular payments at this time. I asked to leave me alone and let me figure out how to repay loan.
In XXXX I went through a divorce which caused some financial hardship. In early XXXX I entered the loan modification program with Bank of America. At that time I was only 30 days past due, but of course, they informed me that I 'd have to let my account go 90 days past due in order to qualify for a modification. It took them a staggering 3 full years to complete my mortgage modification. This destroyed my credit due to now having a severely past due payment history. Even after entering into a trial payment period agreement, which was supposed to take 3 months, they still took an additional 15 months to execute the modification. I applied in XXXX or XXXX of XXXX and my mortgage was ( finally ) officially modified in XXXX of XXXX. 

This destroyed my credit since mortgage payments carry so much weight. So recently I disputed their reporting of my payment history as inaccurate through the credit bureaus, but of course, Bank of America provided documentation and the credit bureaus refused to amend it. I then spoke with someone in escalations at Bank of America and they still refuse to correct it with the credit bureaus even though they acknowledge that it took them 3 years to execute a modification and even though we agreed that it could affect my credit for 3 months, not 18 months. Their incompetence is preventing me from even being able to get a vehicle loan and it has negatively impacted my credit score significantly.
You are suggesting in response to CFPB complaint XXXX-XXXX  that this a bill from emergency room physicians for services provided during a hospital visit and is separate from hospital payment. 

This prohibited practice is called " balance billing '' and is contrary to Florida Statute 627.64194 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance billing is ILLEGAL in the State of Florida. Please delete this claim from XXXX. 

From this point on, any reporting of this claim to a credit reporting agency will be in violation of Federal law 15 U.S. Code 1681s-2 -  Responsibilities of furnishers of information to consumer reporting agencies. Knowingly and willingly reporting an illegal or invalid claim puts XXXX XXXX XXXX  at risk for damages and all attorney 's fees. 

At this point, I am only requesting that you delete this claim from XXXX.
In XXXX of this year I called Bayview Loan Services and ask why, when I call to make my mortg payment, they keep stating that I am a month behind on my payments. Then they started sending me threatening letters to take my house if I don't pay the late month due. I did my research just to prove that I was not the crazy one here - then called Bayview and ask them to send me proof that I was behind and when it started. They sent me the info and if the person that printed it out had bothered to read it they would have seen that they were proving my case and not theirs. Nothing was late! So I called them back and spoke with XXXX and she looked into it and got it all straightened out. And even told me I had a credit on the books that I ended up using toward the next months mortg pymt. Then in XXXX of this year I noticed my credit score had taken a deep plunge because Bayview had reported me 30 days late on my mortg. I  contacted XXXX XXXX and they investigated the issue and BAM! - my score increased by 60 points because Bayview had once again acknowledged their mistake. Now, I have started getting late notices again and letters threatening to take my house. HERE WE GO AGAIN!!!!!!!! Again I called and spoke to XXXX and she acted like she was clueless. I ask if they take notes on previous issues! Why do I have to go over this again! She said I missed XXXX of 2017s pymt. Well - that was the month they took out an extra {$500.00} from my account. Yes - for a reason they have yet to explain, they took from my bank account an extra {$500.00}. Made some considerable hardship for me but they didn't care. Took me over a month to get the money back. How can a financial institution be so inept at keeping their records straight. They have not gotten back in touch with me after this last threat. Why are they allowed to conduct business like this and make so many mistakes and threaten constantly to take my house.
XXXX, XXXX and Trans Union are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
At the end of XX/XX/XXXX i misplaced my wallet ( which had my USAA membership card and all my info along with my debit card in it ) and the wrong hands found it because within the next couple of days i had XXXX savings accounts opened in my name, which i did NOT authorize my any means. Whoever opened these accounts deposited fraudulent checks for various amounts of money, coming up to be around {$4000.00}, which ended up returning and putting MY account negative almost {$4000.00}. I have been trying to resolve this issue with their financial institution for 5 months now, i have called and called and my step mother ( the joint over on the account ) has called and called and they always say they will call back within the next couple of days and NOBODY CALLS. I have never received a phone call back for as long as this has been going on. Every time i call and talk to someone they can never help me and say that the person who can help me will call me and they just never do. I was told i was going to be held responsible for the negative balance on the account and that is completely unacceptable, then i was told the amount had been charged off so now its going to go on XXXX credit report. On top of all of that, i got my paycheck the Thursday after the incident happened, which was direct deposited into my checking account, which got put on lock down, so to this day i still have not seen that {$310.00} and that is a lot of money to a XXXX year old busting her XXXX at work for it.
Carrington Mortgage Ser vices LLC Loan No.  #  XXXX   Phone No . #  XXXX  Ext :  XXXX  Fax :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX  was my first and only lender until   XXXX   XXXX   XXXX   XXXX  bought  XXXX   XXXX   XXXX  on about  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Loan No.  #  XXXX  Sold my loan to Carrington Mortgage Servic es LLC Loan No.  #  XXXX  I received the Carrington Mortgage Service s LLC inform ation on Friday  XXXX  when I called   XXXX   XXXX   XXXX   XXXX  to check on my Short Sale status which was currently in effect and past approved by both   XXXX   XXXX    XXXX  and my second,  XXXX ..       XXXX   XXXX    XXXX  sold my loan while the Short Sale was approved, complete with a buyer.     Now that Carrington Mortgage Servi ces LLC bought my l oan and in my opinion cant produce the following documents because in my opinion,   XXXX   XXXX    XXXX  never had them and also refused to produce them for me, therefore Carrington Mortgage Services  LLC  in my opinion doesnt have them and wont be able to produce them as well.     Would you please ask to Carrington Mortgage Service s LLC to   produce the following item s : 1.  The  XXXX   XXXX   XXXX  to   XXXX   XXXX    XXXX  Assignment of the note in Deed of Trust.      2. Th e Chain of Title from  XXXX   XXXX   XXXX   to    XXXX   XXXX    XXXX  to Carrington Mortgage Services LLC.      3. Copy of the Recording of De ed of Trust in  XXXX   XXXX .      4. Copy of the Merger with a list of the assists and UC1  filing.      5. Also,  if any of these documents show up, Im requesting a  Federal Officer examin e the ink on the date to determine if its appropriate for that month and year.      6. What amount of money did Carrington Mortgage Services LLC  pay   XXXX   XXXX    XXXX  for my loan?     Thank you for your attention to this matter.      XXXX   XXXX   XXXX
All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( Equifax ) inquiry was made on XX/XX/XXXX ( XXXX  ) 4 inquiries from XXXX card alone! 

XXXX/XXXX XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( XXXX ) XXXX - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.
I no put atencin in how much Bank of America was taking from fees to me I think sino right that we working hard and they just take easy money in the packette