WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX and XXXX - This judgement is not on either reports for XXXX and XXXX but it remains on Experian.It is invalid and can not be verified. I called the courthouse and they do not have this judgement on file with my name and address AND SSN. They even stated that they do not verify with credit bureaus anywhere. 

Sent to Experian 6 months ago : Judgment XXXX I am disputing the the type of public record and docket number. Please remove this item immediately because this does not match my records. Who did you verify this information with??? I talked to the courthouse and they stated that they do not verify with credit bureaus at all! And, If you verified with a third party, that is against the FCRA and I did not give anyone permission to do so. I have filed a complaint with the CFPB. Please see complaint attached.
My mortgage company ( nationstar ) is telling me that I am short over {$5000.00} in escrow. I asked where did all the money you collected from me for escrow go? Keep in mind the increase in taxes and home insurance is only {$29.00} from last year. They are raising my mortgage payment over {$440.00} a month with less than 30 days notice. How is this my dilemma? How do they allow such a shortage. I asked if they can provide me a breakdown of where my escrow payments went and they said they could not provide it. I pay extra every month and to be told I am over {$5000.00} short doesnt make any sense. Also When they first took over my loan I owed {$370000.00} I paid for several months and all of a sudden I see that what i owed increased instead of decreaased. I do not trust this company. Please help me correct this.
The Whole process buying my house was horrible, I was treat really bad and the numbers were confuse from the beginning to the end, plus a lot of blank addendum pages, ( no signed for me ), never either I got a decent closing Packet documents.

One year passed.

I made some improvement to the house. 
plus the house per appraisal had a higher value at closing time. Sold {$210000.00} and the appraisal was {$220000.00}. The balance now XXXX  XXXX. 
plus I have a lot of byer right now they are offering me {$300000.00} for the house as it is. The only thing that I want The PMI off. I am a single mother in need to reduce the monthly payment I called the mortgage with question about the PMI company, I was told Caliber Home Loan, I said Why? is that correct? that the seller and the PMI company be the same. Contract under my name and Caliber Home Loan.
then I was told that I had a XXXX XXXX Mortgage, I said no, My house was a bank owned house, I bough to Caliber Home Loan. ( there is long sad history about my process buying a house, that I want to share with you because I want others learn from my experience but I will send a letter later to you ) about the seller they say I have Freddy Mae mortgage and I do not know anything about Freddy mortgages and no documents showing that information.

I request documents/information about the PMI being removed from my mortgage and they sent it to me looking good and fair. 
But then immediately to that I receive a Shortage letter asking me for {$3300.00} for the taxes last year. I called them and they told me was the insurance and the taxes, the Home insurance no possible I paid in advance a whole year payment {$800.00} at closing time plus I have been doing payments every month for a whole year no possible ( I have the documents from the Insurance company with same amount for XX/XX/XXXX until XX/XX/XXXX ), finally is related to the taxes from last year XX/XX/XXXX. 
Taxes for the house Year XX/XX/XXXX {$100000.00} XX/XX/XXXX I am not sure about how much was it. ( I did receive a notice from the XXXX county when a proposed amount for XX/XX/XXXX between {$3000.00} and {$3200.00}, nobody understand why the taxes went up more than 50 % for the house, I do not have even a middle school close for my son, all are far away form the house. 
I paid in advance {$700.00} for 7 months at closing time and I paid 8 months from XX/XX/XXXX to XX/XX/XXXX.  I can not be short for that amount. I did request an Escrow account disclosure per month from the first day. I did request a mortgage documents. I waiting for them right now. 
CALIBER HOME LOANS. account number XXXX. Loan XXXX Sellers : Caliber Home Loans XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I had had a lot of incidents from I moved " XXXX XXXX XXXX XXXX XXXX Fl. XXXX at XX/XX/XXXX but no prove to say that somebody was getting in like I suspect. 
Again I want to share my horrible experience with others nobody deserve that when buying less a house. 
please let me know if you need something else. thanks in advance and have a wonderful day.
My chase checking & savings accounts was closing. When inquired I was never given correct information why the account was close. Even the phone operator hesitated to give then ID & name saying as for the policy. My account was closed with a positive balance which they sent me a cashiers check. 
Now I have a past due balance notice and when inquired what the past due is, they are failing to provide any kind of bill other than the bank statements that I already have. 

I am worried that they will send this to collection and destroy my credit.
I had a car with XXXX XXXX and I didnt have the car a full 2 months and I turned the car back in because I went out on FMLA leave due to medical cal issues. I asked if I could pay my payment late or lower my payments and they refused. I repeatedly asked for help and they just kept threatening to repossess the car. So I turned the car in and now they have it on my credit as repossessed and they have already sold the vehicle and put it on my credit as a repossession. I can not even get a car anywhere else because of the repossession. Please remove this from my report because I am in need of another car plus my son has a XXXX and I can not purchase another car with this on my credit.
Contacted  XXXX   XXXX   XXXX  to ask about the multiple inquiries on my credit report and was transferred many times to where they are giving me hypothetical situation to where they might have happened.   I had an account that was opened in    2015  with this bank and never have given permission or applied for any other services with this company.   If this was in error, please delete the inquires immediately from the credit bureaus
I had submitted an application for a loan however i called as soon as i had submitted the loan application for Toledo Finance in XXXX, Texas, to go ahead and disregard my application and to ensure that it will not show on my credit report. It has still gone through as a processed loan after i had advised them twice i did not want the application to be processed.
Besides a stack of XXXX plainly forged checks on Bank of America ( BOA ) which I recently submitted the complaint to CFPB, I would like to dispute another problem with BOA as follows : Recently BOA claimed a delinquent utility bill and automatically paid for it on my behalf, and then debited it on the monthly home loan account dated XX/XX/XXXX as " current period fees and charges ''. I did not have any details of the utility bill, but I presumed that it incurred before the date of release from prison on XX/XX/XXXX, and during the staying in the prison from XXXX to XXXX. I do not see any reason and any way to subscribe the utility service for my house at XXXX XXXX XXXX XXXX, XXXX OK XXXX that has been vacant without any authorized occupant and extensively damaged due to multiple break-ins ; the valuable properties in the house and the vehicle in the garage were stolen off ; so were ID and several credit cards ; check books of XXXX banks including BOA ; personal, investment and legal documents happened XX/XX/XXXX. In the light of identity theft and frauds in the time frame XX/XX/XXXX -- XX/XX/XXXX, I believe that the utility service was subscribed by fraud or unauthorized subscriber ( s ) unless BOA can prove otherwise or offers any logical explanation or speculation. 
I would like to have this problem be corrected fairly, or a credible and accountable explanation from BOA. 
Respectfully XXXX XXXX XXXX
This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the Hunt & Henriques and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was Hunt & Henriques that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.
My daughter attempted to pay off her student loan on XXXX/XXXX/2015 using the " current amount '' on the Sallie Mae website. The account has a daily accrual rate but nowhere on the payment site ( i took screenshots ) does it state that this is really not the " current amount ''. We later found from " escalation department supervisor - XXXX '' that the " current amount '' is simply the last statement balance amount. 
To complicate matters, Sallie Mae, withdrew the amount out of the wrong account which of course created insufficient funds fees and of course more accrued daily interest. 
The possibility of selecting the wrong account was entertained by Sallie Mae. However, paying off your student loan is a huge accomplishment and my daughter and her mother worked together to celebrate this event. The account had been auto debiting from her personal checking account for months and when the payment was made the computer automatically selected the correct primary account ( the one it had been automatically using ) and they happily typed in the full amount, " current amount '' and pressed pay and confirm. 
Although the amount of interest is not even close to the payoff amount, it is still her hard earned money ( plus {$30.00} ISF charged to her mother and I ) plus an additional {$45.00} in accrued interest. 
After 4 phone calls the problem is still not corrected, her loan still not paid, due to Sallie Mae waiting to receive notification from our bank that the money was not in the account they tried to debit before they can do anything. I am simply wondering, as of XXXX/XXXX/2015 how many kids this has happened to and how much extra money Sallie Mae has collected when the consumer gets frustrated and just gives up. 
The consumer of Sallie Mae is encouraged to use auto debit ( website ) however this access method is not accurate and misleading. Consumer beware!
I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from XXXX XXXX XXXX. I did not initiate these inquiries.
On  XXXX / XXXX /  XXXX   I requested to wire money from my  Citi checking account to my   XXXX   XXXX   account. On    XXXX  I received a message to call  Citi to confirm the wire. Citi refused to wire out the mo ney, even though beneficiary is myself. They do not want me to get my money.
XXXX XXXX transferred my mortgage in XX/XX/XXXX. XXXX # XXXX I recently checked my credit report after my score dropped significantly for no apparent reason. 
My credit report shows that XXXX XXXX  reported a Late Payment to Transunion for a XX/XX/XXXX payment. 
I disputed this late payment on a closed account ( closed/transferred in XX/XX/XXXX ),  via Transunion and XXXX did not correct it. 
My lower credit score as a result of this incorrect late reporting on an account that has been closed for 5 years, is preventing me from qualifying for a new home. 

I am attempting this CFPB approach as a final attempt to get this corrected before I retain the services of an attorney to sue XXXX XXXX and to be made whole.
On XX/XX/2018 I sent a dispute letter to Equifax as I found a company by the name of XXXX XXXX   reporting inaccurate information on my credit profile. XXXX XXXX was and still is reporting multiple opening dates across the 3 bureaus, so I knew the information was inaccurate. On XX/XX/2018 Equifax responded with an investigation report saying the account has been verified. When I saw this I knew there was no way Equifax did a proper investigation. On XX/XX/2018 I sent another letter to Equifax in response to the investigation letter they had sent me. This letter was an FCRA 611 method of investigation letter in which Equifax would have 15 days to show me their method of how they verified the inaccurate item. I did not receive a response from Equifax in 15 days, so I called Equifax on XX/XX/2018 only to be told by a supervisor the FCRA 611 does not pertain to Equifax.
In end of XX/XX/XXXX I moved in XX/XX/XXXX with section 8 housing. My move in deposit was XXXX dollars.It was my self XXXX and my XXXX year old son and XXXX year old son. XX/XX/XXXX XXXX said my XXXX year old son violate my lease and they wanted me to moved the police was called and evidence was not found. XX/XX/XXXX moved off property, they over charged me for repairs XXXX, the repair that they would have made any way to rent apartment prices for carpet replacement and full apartment cleaning .. apartment was cleaned I think the charges are not fair rate can please look into it please
When contacting Wells Fargo to stop an ACH debit for a specific company they require the amount. If the company changes the amount to try and get the money, Wells Fargo requires you to place another stop payment for additional {$31.00}, for any amount that they may try to process. This can add up and puts the customer in a situation to be taken advantage of by the ACH company or Wells Fargo. They should be able to stop an ACH payment based on the ACH company name.
I was a student at XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX and they shut down / sold to become another school. I asked for my transcript for years and was never granted XXXX. In XX/XX/XXXX I attended XXXX for a few semesters and even they could never get my transcript so I could n't continue without my grades and I did n't want to start over. I told several representatives that I wanted to file complaints. Since I was never able to receive my transcript, I wanted a loan forgiveness or something of the sort. XXXX and Navient NEVER helped me. Every time I ask them to put it in forbearance or deferment it 's supposed to be for XXXX months but I get calls about it a few months later saying I 'm XXXX days late. My loans have almost doubled and for what?! I ca n't even have a piece of paper with my name and achievements on it! I have nothing to show for my loan debt! This is going on XXXX years since I started school and it has been the worst decision of my life! It was supposed to make things better for me!
I was a victim of identity theft and noticed a collection from CONSERVE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against CONSERVE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Vehicle was involved in a collision that resulted in a total loss. The responsible insurance company did not pay the required balance in a timely manner resulting in a missed payment. The account has since been closed and the company has failed to report this to the credit bureau.
I applied mortage  from Chase.  The loan number is ...  XXXX .    1. W hen I started my mortgage on  XXXX   XXXX . Nobody told me there is a risk that the credit report would expire on  XXXX  17. I asked  XXXX   XXXX . He told me just close before  XXXX   XXXX .  XXXX  informed me the credit report and additional cost on  XXXX  17.    2. Chase is  too slow. I followed up my loan processing almost every day. Usually, only 30 % emails were replied only if I cc to the supervisor.  XXXX  and  XXXX  could not get update then they just ignored my email. I have kept all the emails as proof. If  it Chase delayed my loan process, not me. For example, for the employment oral verification, after almost one month , I was told, they could not find the right number and email of the person in charge of this in my agency. We are   XXXX   XXXX  .  Chase  could not find it. Then I emailed to  XXXX  and  XXXX  and all the people involved in the loan application in Chase. But after 3 days, I received a call to ask me to verify my employment history for myself. I told her, I am the applicant. I can not verify for myself and told her the email again and again. After 2 days, I received the same call to verify the employment history for myself. then I told her again. It is so ridiculous. All these stupid things delayed my loan process. Another example, when I asked  XXXX  my loan process update.  XXXX  replies " is finishing up ''. Then the next day, I followed up, he replied '' once the underwriter has any update, I will notify me ''. Then the next day, I asked '' usua lly 24-48 hours, I estimate .... '' Then another day, I followed. He replied '' ... is the best estimate '' Then I wrote " please tell me the exact deadline. not estimate. Please do the multiple choice : a. is waiting for the review. b. is reviewing c. has finished. I am not a native speaker. I do n't understand what is " is finishing up ''. Do n't play words games with me. '' Even if my credit report expired. It was because Chase ignore d my loan. Sometimes, I emailed  10 times, no one re ply. I called  XXXX   10 times, no call back in 3 days. If Chase did n't refund { $2900.00}, I would sue in the court.   And all the emails are kept as records.
On XX/XX/XXXX, CapitalOne sent me a text message that is suspicious transaction about my card ending in XXXX. 
" Hi, it 's Capital One. Di you just spend {$640.00} at XXXX XXXX XXXX w/ card ending in XXXX? Text CONFORM if yes or DENY if no. Std carrier chrges apply '' I replied " DENY '' Then, I got confirmation text message from them. 
" Got it. We 're stopping all purchases on your card. Sign in to start your fraud claim now : XXXX XXXX XXXX XXXX  carrier chrges apply '' So, I thought that problem was resolved because Capital One detected the fraud and stopped it. 
On Posted transaction of capitalone oneline, it shows a transaction {$640.00} at XX/XX/XXXX and a transaction - {$640.00} at XX/XX/XXXX. 
So, I thought that is good. 
But, later, I got a mail to say that I should pay {$640.00} because CapitalOne found no indications of fraud. 
And I checked my XXXX account, there shows a XXXX  Tracking XXXX which delivered something to XXXX XXXX, NJ and signed by XXXX ( I have no idea who it is ). 
I tried to contact CapitalOne about this fraud problem. But, there is no message or email on their website. And, when making phone call, I waited long time and they just keep transfering my call to another person without resolving the problem.
I have been disputing this alleged debt on my credit report multiple times. They have not provided any proof of the debt or a copy of the contract to determine the account is mine and reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA
We have been approved for a trial payment plan for a HAMP loan modification. The unpaid principal balance for the loan modification would be {$580000.00}, but the ending scheduled investor balance is {$520000.00}, based on the XX/XX/XXXX remittance report. According to the Pooling Service Agreement of the Option One Mortgage Loan Trust 2006-1, Section 4.04 Remittance Reports ; Advances, the obligation of the Master Servicer to make Advances is mandatory, even if the mortgagor does not make payments.
I pay my mortgage on a bi- weekly basis and also send in an additional {$250.00} towards principal. I have been doing this for the las t 5-6 yrs and would always receive credit every 2 w eeks toward principal as they received my payments. After reviewing my payment history, I noted that effective  XXXX / XXXX / XXXX , I was only receiving credit once a month. This kept occurring until  XXXX / XXXX / XXXX , then started again  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I called customer service who tried to tell me that since I am on a monthly billing cycle, that the payment sits unapplied until they get the second payment.  Well  that 's  XXXX  because it never happened before and then what 's the purpose of sending in bi-weekly payments. I called a second time and was told that they changed their system last year and are working out the issues. In the meanwhile, they have been floating my money and not giving me credit for my payments as they receive them. I sent them a letter with my payment history that shows the discrepancies of how the payments have been applied and have not yet heard from them.
I received a pre-approved offer from this bank which lied about the APR. They told me what the rate would be, and it is way higher than Illinois ' 26 % APR. I never authorized the hard inquiry and did not accept any loan from them. They have been spamming my email and I had to block them. 

I have called Rise and they said there was nothing they could do. I would like them to remove their hard inquiry from my report since they were dishonest about the rates and did do a credit check before telling me their rates. 

Thank you
They where not willing to work with me when I lost my job and put multiple of duplicate accounts on my credit causing my score to go down causing more of a financial hardship for my family and I.
For the past 2 years, I have disputed XXXX accounts in particular that only appear on Experian tradelines. These creditors or debt collectors have not complied with the FDCPA and Experian keeps falsely reporting these items as verified items. Today, I spoke with CS Rep. XXXX XXXX from XXXX XXXX XXXX. On the automated system, it reflects when I put in XXXX XXXX personal identifiers {$0.00} past due and {$0.00} balance. I spoke to XXXX and told her there is a open investigation concerning this account on Experian. She told me that the account was settled out. But when I asked for the date of settlement, she said there was a balance of {$2800.00}. XXXX. She was then asked if XXXX will be collecting on this balance, she replied, " XXXX XXXX XXXX is not collecting on debt but reserves the right to send it to collection. She will be sending in the mail to my mailing address any information concerning this false account. 
I also spoke with XXXX in house recovery dept representative XXXX. I gave XXXX XXXX person identifiers and was told there was a open balance of {$250.00}. He was demanded to send all information concerning account in writing to my mailing address. He refused to do so, although I gave him XXXX XXXX personal identifiers. XXXX refuses to verify debt and EXPERIAN refuses my request to delete tradeline. 
Also XXXX XXXX has cease in its collection efforts to collect on a XXXX Credit card that did not belong to me. I made a complaint to CFPB against XXXX XXXX XXXX who falsely filed a judgment and is only reporting their tradeline on EXPERIAN. Their response was unsatifactory and disputed.