WillisBack/dataset-financial-user-claim huggingface dataset:
This is a long story that started with a Ch.  XXXX  BK in  XX/XX/XXXX . BK ended in   XX/XX/XXXX . My original mortgage was in  XX/XX/XXXX  just before collapse of r eal estate market with  XXXX . The mortgage moved to  XXXX , then to   XXXX   XXXX   XXXX  , then to  XXXX  and now with Shellpoint. the   XXXX   later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When   XXXX   transferred it to   XXXX   XXXX   XXXX  , they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In  XX/XX/XXXX . Yet, after BK was over and  XXXX  took over they kept claiming I owed anywhere from $  12K  to  $ 25K  in unpaid mortgages they couldnt quite get their numbers straight in  XX/XX/XXXX , they started cashing my checks electronically fr om  XX/XX/XXXX  whi ch somehow, I never got credit for, so when Shellpoint took over in   XX/XX/XXXX , t hey claimed I owed {$15.00} K approximately. even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XX/XX/XXXX . I do not get any statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owE over {$7000.00} since   XX/XX/XXXX  ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in  XX/XX/XXXX  due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it.. Every check I pay with I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink.
I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my {$15.00} K back or at least applied to principal.
During   XX/XX/XXXX   i did n't even get a  XXXX  Tax form credit of mortgage interest payments to use against my taxes ...
I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Utilities DISCOVER BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .   EQUIFAX MORTGAGE SER  XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, New  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Mail Order Firms   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, Old  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Complete Dept. Stores  XXXX  MOTORS,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, New   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Unions   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Personal Loans Cos.     XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Personal Loans Cos.     XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .
I was a student at XXXX XXXX and I have a genesis loan that they made me get and since, the loan has been sold to UAS and I am still being required to repay this loan when I feel I should not be because of the court ruling XXXX XXXX
I am filing a complaint against Navient, because I have a private loan with them, and my aunt is the cosignor. I was advised by Navient that as long as I have 6 months of perfect payments, they will remove my aunt from my loan. However, once I reached that 6 months of perfect payments, they advised that I actually have to have 12 months of perfect payments before they would consider removing my aunt from the loan. My aunt 's credit has been negatively impacted by this, and she is struggling to cosign for her own daughter who is going to be attending college next year. 
Aside from that issue, the interest rate attached to this private loan is very high, 13.5 % -15 %, and I have struggled to afford the monthly payments, going as far as paying late on other bills, and my debt to income ratio has had a drastic impact on my credit score. 
I work full-time for a social security law-firm, and am XXXX a single mother XX/XX/XXXX. When I reported my XXXX to Navient, in hopes that this would offer some sort of relief for me, they advised that it would not. Their customer services is horrendous, I get told different things about my loan every time I call in, and it has been an extremely emotionally and financially draining mess of a situation.
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX XXXX for {$3200.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
We have been unsuccessful for the past 6 years to get a loan modification on our primary residence. We have been told that we are in a unique situation where our original loan from Wells Fargo Bank was funded by XXXX XXXX. When the housing market crashed, XXXX loans were bought out by XXXX, who then sold our loan to a group of investors that XXXX XXXX currently manages it for. At this time, our loan is serviced by Wells Fargo Bank for XXXX XXXX for this " unknown '' group of investors. Due to our excellent credit and lack of financial hardship, we were instructed by a home preservation specialist to apply for a FHA short refinance of which no one at both Wells Fargo and XXXX XXXX at one point acknowledged that this program ever existed. On XXXX XXXX, 2016 we reattempted to apply for the FHA Short Refinance and were informed by Wells Fargo Bank that since they are only the service provider, that they are unable to approve us for this program and we would need to seek approval from XXXX. We then contacted XXXX XXXX of which they were unable to pull up any our information because our loan is serviced by Wells Fargo Bank. The representative at XXXX XXXX attempted to assist us, but was unsuccessful. As you can see, this is a complete run around for all parties involved. We are simply seeking a loan to take us out of this adjustable loan and put us in a fixed rate loan.
US Bank Debit Card funds ( {$23.00} and {$32.00} ) were withdrawn by US Bank on Monday, XX/XX/XXXX by immediate electronic transfer to XXXX. Saturday, XX/XX/XXXX XXXX refunded these withdraws {$23.00} transaction id XXXX and {$32.00} transaction id XXXX. Monday, XX/XX/XXXX, US Bank debit card account did not reflect refunded transactions on my debit card account. Monday, XX/XX/XXXX, I called US Bank to be it is their policy to hold refunds for 15 days. I asked to speak with a supervisor who was obstinate refusing to even confirm for me that the US Bank had indeed received transactions cited above from XXXX. Tuesday, XX/XX/XXXX, I called XXXX Customer Service requesting email confirmation of transactions. XXXX issued at XXXX XXXX email confirming refund transactions cited above. Wednesday, XX/XX/XXXX XXXX XXXX USBank did not reflect refunds on my USBank Debit card. At XXXXXXXX XXXX I returned call to US Bank to speak with their Customer Service Supervisor speaking for 1 hour, 3 min, 27 seconds regarding this situation. US Bank Customer Service AND that person 's Supervisor refused to even confirm, again that these refunds even were received. Both stood firm they hold refunds for 15 days. In my nearly 2 years with US Bank debit card, refunded monies from XXXX were ALWAYS refunded to my debit card. I pleaded with US bank that I am a senior on social security income, fixed income and need funds refunded me made available to buy medication, food. I asked " why '' XXXX transaction was IMMEDIATELY electronically withdrawn from my US Bank Debit Card but that refunded XXXX transactions are being HELD from my use. I was told by both US Bank Customer Service agent and supervisor no more than that is their right to do. This is, in my opinion, unconscionable for any bank 's debit card monies be withheld from the customer 's right to use when transactions of refunded monies to US Bank were issued by XXXX 4 days prior. As of this writing, Monday, XX/XX/XXXX XXXX XXXX, US Bank " continues '' to hold monies refunded to me. US Bank debit card Customers deserve honesty, a dedicated intent to resolve monetary matters as well as accountability with consistent banking actions. I file this complaint as holding anyone 's money for 1/2 month is damaging to me and all citizens relying on fixed ( social security ) income. US Bank is holding my direly needed refund from XXXX with no answer why other than it is their right to do. Respectfully Submitted, XXXX XXXX XXXX, XXXX.
Calling every XXXX or XXXX, I spoke with an agent, said I would make payment over the internet. This was agreed with the agent since I do not give my personal information to persons who direct call me regardless of the phone number that is calling. I then proceeded to the website and made a payment within minutes of speaking to the agent. I also at that time requested they not contact me with auto dialed collection calls. XXXX Hours later I received an automated call. I then hung up, and called the company and got in touch with another agent and stated that I have a pending payment on record, and to please stop calling me. He stated that they would not stop calling me unless I wanted to make another payment over the phone. At which point I brought up my stance on giving information over the phone and the fact that if they called me once in a day that I would most likely not have additional money the XXXX, XXXX, XXXX, XXXX, or XXXX time during the day. He then stated that they could call at least XXXX times in the day with no penalty. That in my book is still harassment. I could understand XXXX or XXXX with the possibility of having missed XXXX of the calls, but XXXX?! I would like something to be done about this. It is not right for a loan collector to harass someone into payment. Not only that but when you call them they are less than cooperative with an attitude.
I was a victim of the inquiry fiasco and i would like my inquiries deleted ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
We sold our old house on XXXX XXXX, 2015, and dropped our home owner 's insurance from XXXX XXXX. We also have auto and home owner 's police through state farm on our new house. The underwriter removed the multi policy discount on all of our policies. On XXXX XXXX, 2015 XXXX XXXX billed our mortgage for {$1300.00} when our policy premium should have been XXXX. According to our mortgage company, they claim they sent us a statement showing and increase in escrow dated XXXX XXXX, 2015 ( we never received ). They debited our bank account on XXXX XXXX, 2015 for {$1000.00}. The authorized debt amount is {$700.00}. They debited our account for an unauthorized amount of {$380.00}. Our insurance company is in the process of refunding us the amount of overpayment. Federal law requires a 60 day notice of any escrow changes before the account can be debited. ERA mortgage debited our account on XXXX XXXX, 2015, less than the 60 day claimed notice.
I have a paid collection on my file. It was paid over 45 days ago. I have disputed the information 3 times. I have submitted documentation via fax. I have tried to submit info via online submission but the system did not work. TransUnion continues to show I have not paid this debt. The other XXXX reporting agencies have the correct information and have had it for over a month now.
I opened a savings account with Discover Bank under a promotion they offered promising a {$100.00} bonus after meeting certain requirements. I met the requirements, confirmed with Discover customer service that the requirements were met, and never received the bonus.
The debt is supposed to be to Commenity Bank for a couple of different accounts including Store cards XXXX says XXXX and another XXXX says Commenity but both are Commenity bank I found out. These both were opened by an unknown party in my name with stolen ID and information. It may have been another resident in my own building I live, which houses hundreds of people. We have had an issue with mail theft ID thefts, and fraud here. I notified Commenity thatI do not owe this debt and it was not my acct. they told me it would be taken care of. But it was not, it appearson my credit report as {$730.00} in debt, and is hurting my credit and is not my debt. I asked them for a fraud packet twice but they never sent it and insead placed the acct in collections in 2014 and will not listen to my info nor help me resolve this since. I decided to finally report it because I am tired of trying to contact them and no one cares that this was fraud at Commenity. I want the entire debt removed from both credit reports please.
OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$17.00} PURCHASE AUTHORI ZED ON XX/XX/XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX   XXXX TX XXXX CARD XXXX {$17.00} cra violation i never wanted over draft protection
I previously disputed a lien on my Equifax credit report that has been paid and is still showing on my report. I have attached the proof of payment of this lien. Please remove this lien from my credit report.
On XXXX/XXXX/2016 I was reviewing my credit reports and noticed that a collection company by the name of Commonwealth Financial System was reporting a medical account for {$1000.00} as of XXXX/XXXX/2016. I immediately called them with my financial advisor and spoke to a supervisor by the name of XXXX XXXX extension # XXXX. We explained to her that the account was not mine and questioned her how can they send wrong information to the credit bureaus without making sure that they are sending the correct information? She stated that all they do is send a letter informing the person that the debt stands but other than that that 's all they do. I stated to her that that 's wrong because the FCRA states that they have to verify all information that 's true and correct before reporting to the credit bureaus. She stated that they sent a letter to XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I stated to her that I have never lived there. She really did n't have an answer for this. I requested that they stop collections attempts and to have this account removed from my credit reports. This account has affected my credit scores by more that XXXX pts. and I have a business that depends on my credit score and now it 's deeply affecting my business. I was instructed to send a letter of dispute and to contact all three credit bureaus. The account number is : XXXX.
XX/XX/XXXX-XX/XX/XXXX I had a couple hardships and was not able to work as many hours in previous years. I kept in contact with my creditors, including Bank of America ( Acct # XXXX XXXX ), stating when I was able, I would resume payment on my account. In XX/XX/XXXX Bank of America via FIA Card Services XXXX. reported a XXXX to the IRS with a XX/XX/XXXX date for {$23000.00}, which I then revised my XX/XX/XXXX taxes to include this XXXX and have been paying the IRS for this forgiven debt income. In XX/XX/XXXX, Bank of America started to report to the credit agencies that I have an open balance of {$24000.00} ( Acct # XXXX XXXX ). I have written Bank of America and received a letter stating that acct # ending in XXXX, case # XXXX has been charged off as of XX/XX/XXXX. Although Bank of America sent this to me, they still confirm to the credit agencies that my account has an open past due amount of {$24000.00} & with each credit card bureau, I have to fill out a form each time they resubmit as each time BOA resubmits my credit score drops significantly. This feels like harassment to me. Even though the credit bureaus note " customer disputes this item '', I still have to resubmit a research request form periodically each time Bank of America reports that I have an open, past due balance.
I contacted Chase on 2 occassions by phone, requesting them not to send me any more 0 % Balance Transfer offers and checks by mail. They said they would stop and 2 weeks later, they send me some more junk mail. This company wont stop inspite of emails and phone calls to them to stop.
On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call XXXX after speaking with XXXX XXXX and being instructed by the agent at XXXX XXXX to ask who initiated the dispute they could not provide me with that information. I want this to stop.
As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my XXXX, Experian and XXXX credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated
XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a XXXX XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the XXXX credit reporting agencies to correct this information to no avail. I also provided the XXXX credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my XXXX XXXX Attorney and will file a grievance with the bankruptcy court against this company and XXXX credit reporting agencies.
Between XX/XX/2018 and XX/XX/2018, XXXX XXXX announced a major data breach. I received notice from XXXX that I am a victim of the data breach. There are 3 fraudulent and unauthorized accounts and credit inquiries on my XXXX, XXXX  and XXXX XXXX credit report that are fraudulent, unauthorized and don’t belong to me, and is the result of the XXXX   data breach and a compromise of my personal information. The following accounts are fraudulent, unauthorized and I didn’t apply for the accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and a result of the XXXX XXXX data breach. The following credit inquiries are fraudulent: XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over XXXX years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing XXXX XXXX XXXX, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.