WillisBack/dataset-financial-user-claim huggingface dataset:
I wish to file a complaint against Loandepot and their mortgage collection company imortgage. I believe Loandepot purposely raised my mortgage to an amount I could not afford to try and sell me refinancing or other services. 

I obtained a mortgage from Loandepot for a home in XX/XX/XXXX. In XX/XX/XXXX while attempting to pay my mortgage payment of {$1800.00} I was unable due to the fact that the website was saying my mortgage was {$2100.00}. Thinking this was a computer glitch I called imortgage and was told that my mortgage was now {$2100.00} ( and {$320.00} increase ) because a deficit in escrow due to an increase in property taxes, even though my property taxes were current. I argued for more than an hour that could not possibly be correct and could I pay my agreed-on mortgage payment until they got it straightened out. I was told no. I could not afford the new payment and would not have qualified for a loan with a mortgage payment of that amount. Imortgage offered me all kinds of programs like refinancing and loss mitigation options to help me but they all cost more money and more importantly, I knew that they were wrong about the property taxes. I had several phone calls with Imortgage with multiple people telling me different reasons for the increase. I finally had to sell or lose my home. I listed my home at the beginning of XX/XX/XXXX and it sold right away. I did not pay my mortgage in XX/XX/XXXX or XX/XX/XXXX and Loandepot reported that to the credit bureaus. After the home had sold Loandepot adjusted the escrow deficit to {$430.00}, and spread that out over 12 months so my mortgage payment increased {$36.00} instead of the massive {$320.00} which was approximately what I thought it should be ; however, it was too late because the home had been sold. 

This deliberate or not, inaccuracy has been very costly for me. To date, I am out {$69000.00} for rent, realtor fees, deposits, storage, moving fees and so on. I have written to Loandepot trying to get my credit cleared and they have done nothing except send me a snarky response saying these things happen. The BBB was no help either. This home was a multi-generational home, my grandsons lived there with my daughter and her husband. They had to leave the state for a period of time due to not having a place to live. The unethical business practices of Loandepot has severely impacted my family financially and our quality of life. They should be investigated for their incompetence or unethical and possibility illegal activity. This company either made changes to my account to try and sell me other services to save my home or because they have XXXX  working for them. My belief, it is both. 

I do have multiple documents and some correspondence to back up this belief.
Repeated daily calls attempting to collect a debt owed by a person with the middle name XXXX with the same first and last name but is unknown and unrelated. Calls are by a computer robo call and only leave a computer message. The calls have been going on for months and could be a scam. 

I have also reported them to the attorney general of Illinois. 
No one needs my SSN.
Equifax has really cause me a big hard ache, they are reporting previous address and names thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX tx I was a victim of identity thief i have sent several things over they have removed and keep putting it back on, violating my rights with someone else information
I have noticed that each month Trans Union is LOWERING my credit score that it is reporting to XXXX XXXX, and all businesses who inquire as to my credit. They have now, this month provided my creditors with a BELOW AVERAGE score, which is FALSE and slanderous. This is deliberate to thwart my attempts to further my business associations. I have XXXX late reporting and XXXX past due on ALL of my credit accounts and Above Average ratings with all of my creditors. There response is insufficient reporting time for each card. YET MY SCORE WAS ABOVE AVERAGE MONTHS AGO, SO HOW THEN IS THAT AN HONEST SCORE REASON, WHEN MANY MORE MONTHS HAVE GONE BY, ONLY STRENGTHENING THE TIMELINE FACTOR. The other negative explanation stated was too high of balance to credit line, yet I pay almost XXXX percent of my balance EACH MONTH ... .miles more than almost all credit consumers. I have been battling FOR YEARS with the credit reporting agencies committing criminal intrusion into my credit file, and it appears it is STILL CONTINUING. No law abiding, fair credit reporting agency would provide FALSE AND DEFAMATORY information on a credit file. I will continue to take legal action EVERY time there is an issue with my credit files an reporting as it appears, I have no choice, being that these types of misinformation have been going on for several years now in my credit file. I want the CORRECT ABOVE AVERAGE SCORE REINSTATED TO MY CREDIT FILE, OR I WILL TAKE THIS TO COURT.
My personal data including SSN was compromised in the Equifax security breach. They did not properly secure my personal information, and therefore made me significantly vulnerable financially.
This complaint is being filed against Javitch Block & Rathbone debt who represent the creditor XXXX XXXX XXXX XXXX XX/XX/XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX XXXX XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX XXXX XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX and XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX and XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.
I originally contacted the company about a year ago and your governement agency about this problem. Nothing was resolved. I again sent a fax on XX/XX/18 and again today XX/XX/18. Equifax has had computer issues all day long and keeps saying they haven't received the fax when I have confirmation stating it has been sent. 


From : " XXXX '' XXXX Date : XX/XX/2018 at XXXX XXXX MST To : XXXX Subject : Fax Sent Successfully - Dispute Department , Equifax Dear Your fax to Dispute Department , Equifax at XXXX has been sent successfully. 

You can view delivery information at the following private fax status page. 

XXXX XXXX XXXX
I went to purchase a trailer in XXXX of 2018 and this debt popped up on my XXXX credit report, so I called and disputed it. I have never heard of this company I have never received a letter or phone call in the year and 4 months it has been open. I XXXX the company and reached out to perfection collection based out of Utah and told them this was n't my debt and It was fraud the guy continued to tell me this is what everyone says, I told him I am not paying the debt and wanted proof how I was tied to this debt, he gave me nothing but some random name and a signature and an address I have never lived at. He was a XXXX and I eventually hung up, I made a claim with XXXX recently and they said my debt is active with again nothing in writing and no proof of this company ever reaching out to me to try and resolve this misunderstanding.
I am currently a customers with XXXX, service that pays toll roads on your behalf. When my debit card had to be destroyed due to fraud they were unable to process my payment. They turned the debt over to Municipal Service Bureau, a private debt collection company. They issued me a bill and I paid it. They then issued me further bills after this payment. 

I disputed this payment both by their internal methods and by a certified letter saying that I did not understand these charges and that I believed that they were in the wrong to issue further late charges as a debt collection agency. I contacted them regarding this letter and was told they had no record of my debt. 

Later, I received another notice that payment was due. I told them that I would not pay the late fees, but offered to pay the original tolls. They would not accept this resolution and now have a total due for me of {$200.00}. The original tolls total : {$28.00}. 

I have made clear to them that I will not pay this and am now seeking other resolution options.
Hard credit pulls done by several companies without my written authorization that are showing up as inquiries on my credit report and affecting my creditworthiness in a negative way. From Equifax report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX Credit bureaus were notified but refused to remove these hard inquiries on my report claiming there is no need for verbal or written consent for companies to perform a hard credit pull, while being crafty with their responses.
I was one day away from closing, XX/XX/2018 and SunTrust mortgage declined my loan. There was an issue regarding my taxes, which they had in their possession for weeks, which I immediately amended. However, they will not accept the amended copies. The other concern that is prohibiting me from securing the mortgage is that they are accusing me of purchasing the property for my child to live in which is not the case. I will be living in the property as my primary residence. I have explained my intentions verbally twice and in writing twice and they are still making the accusations. I may loose this property and feel they are discriminating against me by making these inaccurate accusations. I am also concerned as to why they are bringing my adult children into the situation.
I am assisting XXXX who had an account with XXXX in 1985 which she had forgotten about. Recently she came across a copy of a statement made several calls to be told that the account was taken over by Wells Fargo or sent to unclaimed funds. I have tried to track this down but am not getting very far. The account name was in XXXX name XXXX for XXXX. The address at that time was XXXX account # was XXXX XXXX XXXX XXXX. The last XXXX of her SS # XXXX. I would greatly appreciate any guidance you can provide as she is a XXXX that could certainly use the extra monies. 
I can be reached at XXXX XXXX. XXXX now resides in XXXX she can be reached at XXXX. My e mail is XXXX. Thanking you in advance. 
Sincerely, XXXX
I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : SPEEDY CASH To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for Speedy Cash, opened in XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from Speedy Cash still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these Speedy Cash accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how Speedy Cash and XXXX XXXX XXXX XXXX regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX.

Sincerely, XXXX XXXX CC : Speedy Cash Corporate Office
I was making my monthly payments on my private student loan XXXX XXXX ( Navient ), however come XX/XX/XXXX I lost my full-time job and was n't able to make payments. XXXX XXXX ( Navient ) was made aware of my financial hardship but told me I do n't meet the requirement for any programs including the *financial hardship program*. So of the XXXX private loans I had I used my unemployment money to at least pay the loan with the co signer ; I stop paying when my unemployment ran out in XX/XX/XXXX. It has been roughly 185 days since my last payment with this loan but they sent it off as defaulted. I called the XXXX XXXX customer service and lady told me that my loan was in default for being over 210 days late, I then told her that, the loan I 'm speaking of was only maybe 190 days. She tells me when I was making payments on that loan I was still late so they added up days I was paying into not paid. She also told me which really hurt was that I did n't qualify for any hardship programs when I called them in XXXX and XXXX when I was still unemployed and looking for a job to see how can I make arrangements but I could have probably qualified which the guy I spoke to in XXXX clearly told me to call back when my financial situation change.
I have a chapter XXXX Bankruptcy on my credit bureau that does not belong to me. I have disputed the incorrect information several times and each time the credit bureau responds that it is verified. How can they verify something that is not correct? Apparently the law does not state how they are allowed to verify a bankruptcy and because the court does not verify they can use any 3rd party service they want to so called verify it. This is according to the credit bureau themselves, so not that they care its wrong as long as they verify it from some hack third party verification service that has it wrong. This misinformation has haunted my credit bureau for almost 7 years and I cant believe that a credit bureau has this much power and makes it so hard to get incorrect information off a report. The law needs to change and bureaus held accountable.
On  XXXX   XXXX ,  XXXX , I notified  XXXX ,  XXXX ,  XXXX , and Kay Jewelers, the creditor, that there was an erroneous negative mark for  XXXX   XXXX . This information is inaccurate, as the account was closed and paid off.     Kay Jewelers continues to report this item was charged off despite me paying them directly the amount owed. I made a payment arrangement with them over the phone to pay the account in exchange for deletion ; the conversation was recorded yet Kay Jewelers continues to report that the item was charged off.     The last date of delinquent activity is  XXXX   XXXX , yet the company reported a charge off on  XXXX   XXXX .     It is clear Kay Jewelers is in violation of the Fair Credit Reporting Act, and as of  XXXX   XXXX , have yet to remove the item off my credit reports as it is past the 7 year reporting period.
I am having a problem with navient. I have filled out papers for the repayment plan and keep being told I did n't do it. They consolidated my loans, they have closed and opened the accounts so many times it keeps messing up my credit score. I have asked three times for copies of all my paper work including the original loan documents and they have told me they are in the mail. After 2 months I have yet to get them. I am cniurrently waiting for papers to be sent to me so I can finalize my repayment plan o the income based program. But they have n't showed up.
We currently have a conventional home loan with CHASE bank. My wife is a retired XXXX XXXX veteran with a XXXX and I am also retired from the XXXX XXXX, we both get retirement pensions. So we applied for a VA home loan with my wife being the primary applicant thru CHASE to lower our payments. Both our credit ratings our over XXXX. We owe {$170000.00} on a house appraised at {$280000.00}. The application was completed XX/XX/2015 and the loan is still being processed ( over 90 days now ) we have submitted all information requested. We are being told that its still in underwriting. They keep requesting new information as we fulfill previous requests. We feel as though this loan process will never be completed they just keep requesting new information. We suspect that they want us to quit the loan process so they will not have to provide a reason for declining our loan ; because there is no reason other than keeping us on a CHASE loan with higher finance rates. I would 've quit the process with CHASE but we already have an appraisal completed and termite inspection with a locked in rate of 3.75 and interest rates have risen since the lock in. Any assistance that can be provided would be greatly appreciated. Thank you.
Incorrectly reporting to credit bureau on date of late payment. Showing on XXXX and XXXX as XX/XX/XXXX and Transunion as XX/XX/XXXX. Disputed consistently for 90 days. Last disputed XX/XX/2018 with Transunion and XXXX XXXX. Have records from Creditor showing their own information is incorrect, payment history and letter. Consistently refuses to fix disputes even though admittedly over the phone has said several times it is incorrect.
Bank of America charged me XXXX overdraft fees in one day for items returned for insufficient funds. A payment to my credit card was processed earlier than I thought and I had insufficient funds for other XXXX transactions that occurred on the same day ( some for as low as a few $ ). The total overdraft charges were {$140.00} in one day. I have been with Bank of America for years and of course I will close my account as soon as feasible. I spoke to a manager XXXX XXXX on the phone ( he said he was at the West Virginia location of the Bank of America ) about this and they refused to even consider canceling XXXX overdraft fee. I hope the CFPB can intervene and assist. Frankly, it is appalling how Bank of America can do this.
My husband got a call from High Point Assets inc, about some payday loans that I have n't aplly for or received any money from.When I tried to call the agency a lady with the name XXXX, talked to me with a very bad, rude attitude, and told me about those payday loans.And when I was trying to explain to her that I did n't apply for any of those loans, she was trying to interrupt me, like I was stupid and I did n't know what is going on.I also told her to send me by email those " creditors '', so I can see who are these people.They sent me XXXX pages with the pay day loans from XXXX through XXXX .First creditor is XXXX for {$510.00} dollars, second amount {$400.00}, XXXX is {$430.00} and the fourth amount is $ XXXX.They also are calling at my house phone and my husbund 's cell but not me that its my name on the papers.I did a little bit research, and it looks like they are artists scammers.I never took nor I apply for those payday loans and I despude ALL THE CHARGES
I graduated college in XX/XX/XXXX. I had a private loan through XXXX ( now the loan is owned by Navient ). I got married in XX/XX/XXXX, we have XXXX child, a house car etc. The entire time, I never missed a payment. In XX/XX/XXXX, my wife and I filed began the steps towards divorce. She moved out of our home. My private loans were about {$500.00} a month. She stopped paying her half of everything, including the mortgage. I could n't afford this all on my own. I contacted Navient and asked for help ( several times ). I asked what my options were, hoping for a lowered monthly payment or a new income base repayment that took my bills and debt into play. Every time I was steered towards forbearance. Finally, when I felt that I had no other option and did n't want to miss a payment, I agreed to go into forbearance. I asked several more times, but again, was told that this was my only option. My monthly bill is now {$530.00} and I am having a harder time than ever before.
I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step. 

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly. 

Office Of The XXXX XXXX # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account. 

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove. 

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account. 

I know that mistakes happen but it should not happen at my credit 's expense.
My falsely XXXX cousin received an insurance check due to his mother 's death in the amount of around {$1200.00} in XX/XX/2018. He forwarded me the endorsed check and a power of attorney document to cash the check and get him the funds. The check was written off of PNC Bank. I spent about three weeks trying to get the power of attorney wording corrected and filed with the Register of Deeds only to get one declination after the next. I had a US postal tracking number to show that the envelope was mailed from the prison itself. It was a good check, but PNC Bank would not cash their check. They did Not offer a check cashing fee as an alternative. My cousin and I have the same last name. PNC Bank offered no option to cash the check written off their bank. It had become a life and death situation, and they kindly expedited Legal review, but PNC XXXX declined the third draft of power of attorney. Their review process was averaging four days per  document review cycle. PNC Bank fails at customer service. My online review is at XXXX XXXX   XXXX? XXXX