WillisBack/dataset-financial-user-claim huggingface dataset:
Real Time Resolutions refuses to stop reporting to the Credit Agencies that it is a closed collection account. Every month they report a late payment on an open account, I have tried numerous times to stop this and they refuse. XXXX has even called them with me on the phone to confirm that it is a closed collection account and they then admit that it is a closed collection account. However Real time tells XXXX to send in writing to confirm its a closed account before they will stop. This happens every month. What can I do to stop this false reporting by Real Time Resolution.
I received a notification in the mail that the interest on my account was going to increase. I did not want to accept the new interest rate and wanted to speak with a customer service representative to pay off my credit card and have my account closed, however when I went to the back of the card to dial the number provided for Customer Service, the number is no longer available, and it gives the customer directions to look at their statements to get that phone number. Well turns out that the customer service phone number in my account statement is the same on my card XXXX, and I have not been able to speak with a customer service representative.
I was in the XXXX XXXX and purchased a XXXX XXXX XXXX in XXXX of XXXX. Hyundai financed it at more than {$10000.00} OVER the value of the car. ( All documents attached ). They never should have financed this vehicle. We contacted Hyundai and the dealer within XXXX hrs of purchase, expressing concerns. Hyundai employee stated basically that since I was military I would have to pay the car loan or get in trouble with military. ( see attached notes ) The concern was this loan was WAY MORE than the vehicle and never should have been made. All other banks declined a loan stating we wanted more than value of car and it is not possible. Hyundai approved it immediately. Frustrated I continue to pay the car. I should NOT have signed the finance papers but being young and stupid I did. However, Hyundai should NEVER have agreed to finance this vehicle for so much over. I have been paying on this car for XXXX XXXX years and found out you might be able to help me. I would like to either have Hyundai take the car back and relieve me of this loan ( with no effect on my credit XXXX or clear me of the loan and let me keep the car since I 've been paying it for over XXXX XXXX years.
On my Experian Credit Report, the collections account " XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Experian has n't removed it yet. I received a letter in the mail saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted XXXX, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  XXXX
In XX/XX/XXXX, the Consumer Financial Protection Bureau and the Ohio Attorney General interceded on my behalf and Ocwen did provide relief for me by reducing the 2nd mortgage on my primary residence at XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX. However, I was not given relief as I requested at that time for the second mortgage at XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX. 
Recently Ocwen has sent me numerous emails and letters in the USPS mail to apply for a lower rate. I request the subprime predatory 9 % APR be lowered for the XXXX XXXX XXXX house because I have already paid the exorbitant amount of at least {$30000.00} for the {$20000.00} loan in XX/XX/XXXX from American Home Mortgage ( AHM ). I am in a vicious cycle of low credit eligibility to refinance according to XXXX XXXX in XX/XX/XXXX due to debt : income ratio because of the mortgages. In XX/XX/XXXX/XX/XX/XXXX Ocwen Research office in XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX x XXXX # and XXXX XXXX at Ocwen Escalating Dept XXXX XXXX offered modification with 20 more years of payments from the original 2nd mortgage balance. I will not be alive 20 years from now! 
In XX/XX/XXXX, I will be XXXX years old and the XXXX XXXX XXXX 2nd mortgage loan is due close to the original {$20000.00} loan. I don't want to die and leave my son strapped with house debt similar to sharecropping. I bought my primary residence in XX/XX/XXXX for {$65000.00}. In XX/XX/XXXX my credit score was XXXX. The AHM lender would not let me buy the 2nd house next door that my son lives in without mortgaging my 1st house.
ERC calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
My mortgage 's XXXX XXXX XXXX ) was recently sold from XXXX XXXX XXXX to Carrington. First I did n't receive any info from XXXX that my mortgages had been sold to Carrington. I had to call them when I notice were not pulled from XXXX accounts from whom I bank with and I told Carrington I was set up on ( electronic funds transfer ) EFT 's with XXXX and they told me I had until XXXX XXXX 2016 to make my first payment, They mailed me my auto draft forms forms and I mailed them back, I was then called from a XXXX XXXX XXXX XXXX XXXX saying it will take up to two months for my auto draft to process for my first payment and I needed to mail the payments in, I did n't have the amounts which she gave me and the address. I mailed in XXXX payments which cleared XXXX on XXXX I then received my auto draft back saying I could not be set up until I was in good standing, I called Carrington and they told me mail in another XXXX payments which I did they cleared XXXX. I then spoke with a supervisor XXXX Direct number XXXX and was told to fax up copies of the checks ( but since they electronically processed the checks XXXX said they would not have copies, so I sent them screenshots and I made an appointment the next day with XXXX to get proof that the payments were processed. I the Faxed to Carrington proof of the payments they keep giving me the run around I have never been late in thirty years of payments to XXXX and I feel they are trying to steal my property I need help. 

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this account was opened in some one else name they pull my credit three times without my knowledge! HUNTER WARFIELD
In XX/XX/2018 I applied for a HELOC loan through Bank of the West in XXXX, CA. 
I signed the final paperwork on XX/XX/2018 for the sum of {$100000.00}. 
On XXXX I received a phone call from the bank saying I had forgotten to sign a document. I thought that strange since I signed everything presented to me. I went down to the branch and spoke with Bank Manager XXXX and she asked me if I wanted to put the money in my checking account. I said sure that would be alright. She gave me a from to sign to ok this. I received my statements showing money in checking and HELOC account. However there were interest charges deducted from my checking account for {$390.00} XX/XX/XXXX-XX/XX/XXXX and {$450.00}. I went to the branch and spoke with XXXX that this was an error as I had not taken a draw on any money. She said when I signed that form that is considered on the entire {$100000.00}? I said what? Why would I do that when I had checks sent to be to use on the account. Why would anyone choose to pay interest because you asked me to come to the bank and ok putting into checking knowing I would have to pay interest. Who would be so stupid do pay interest while it sat in another account? She said well you signed it. I said that form said nothing about being charged interest. This is of course automatically deducted from my checking. 
I said I want that phony interest written off she said no. I did use {$4000.00} withdrawn so I could pay my contractor on XX/XX/XXXX and I realize I owe interest on that. So she said I could write a check for {$96000.00} to put in the HELOC account. I said all you are doing is changing account numbers? This is crazy. But wrote out check. 
I asked to speak to her supervisor and she said there was no one above her. I located district manager in XXXX XXXX XXXX and she said I signed the form so I have to pay. Went to my CPA he called her as he could not believe they try to get away with this and XXXX said the same to him. They deliberately called me to the bank to sign that form as I had already signed with original documents stating no to scam me on interest. 
I guess they didn't like it just sitting there and me not using it right away to generate interest? That is a lot of money taken from me that I didn't even touch. Help please.
In XXXX, I contacted Equifax asking them to investigate errors that appeared on my credit report. As of today, over 3 months have passed since I sent my request to them, and I have yet to receive a response. I have also sent at least XXXX follow-up letters asking for my credit updates, and I have still not heard a single word back.
XXXX/XXXX  is reporting a negative balance and negative account since XX/XX/2013 and the account was taken care of in the loan modification in XX/XX/2013.
I would like to report what I call illegal business practices. Wells Fargo Bank claims that they sold my heloc to a LLC that had their license revoked and could not perform according to the contract they sold. They did not report this to the IRS and will not provide the documentation even though there is a subpoena and a notice to consumer. On XX/XX/XXXX I called Wells Fargo executive offices and spoke with the woman in charge, XXXX XXXX regarding the message she left on my phone stating that she had mailed me a letter responding to my complaint to your agency. The conversation was more of the same. She will not provide me with a copy of the company policy stating whether or not it is customary and legal for Wells Fargo Bank to sell the servicing to a company that can not perform according to the contract who also had their license revoked making it illegal for them to do business. <P/>XXXX, XXXX had their license revoked at the time that Wells Fargo Bank claims they did this transaction. They were not an investment firm they were an LLC and used the same name and business license that the secretary of state revoked. The IRS had their license revoked making it illegal for them to do business. <P/>XXXX XXXX from the subpoena department stated that the executive office requested my file and they were not to send any information requested by subpoena because the executive office would be handling it. XXXX XXXX stated that she was the one that requested the information, but did not tell the subpoenaing department not to send the information requested in a legal subpoena duces tecum. The information has not made it to the courthouse yet even though they asked for an extension. <P/>The letter they claimed to have mailed me in XX/XX/XXXX regarding selling the heloc does not have their, Wells Fargo Bank letterhead and it looks like it was not the original letter. It looks manufactured. <P/>I also requested a copy of the letter and check that they mailed me in XX/XX/XXXX stating that they did an audit on my account and noticed they owed me some money from when the loan was originated. They now claim they can not locate the letter or the check. <P/>My Heloc loan number is XXXX. The address to the property for the equity line is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Midw est Recovery Systems XXXX. XXXX  XXXX XXXX, MO XXXX Balance {$2100.00} Has negatively reported on my credit report for the passed 5 months with no verification impairing me from using my credit properly. 
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I have contacted Equifax several times about an account from XXXX XXXX that was always paid on time. 

There records are contradictory. It shows my account as always paid on time but they are reporting it as a charge-off account. This is impossible as an account always paid on time can not be charged off. Please see attach documents where you fill find Equifax reporting this as a charge off.
This complaint describes the determining the origination of identity theft, talking with Chase and not receiving a resolution. 
In XXXX 2016 I a responded to a direct mail refinance offer from Chase. I called XXXX and spoke to XXXX XXXX XXXX XXXX # XXXX. I gave XXXX XXXX all of my personal information over the phone, incl., SS number. Following, I was requested a credit card number to place a {$500.00} good faith deposit. I used a XXXX XXXX, which was an updated card issued the previous month, with a new XXXX digit back code. 
By XXXX XXXX, all of my personal information and the credit card number were stolen with an attempt to hijack this XXXX account with a name/address of XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, email : XXXXXXXXXXXX, phone : XXXX. None of my other current credit card accounts has had a hijack attempt, only this XXXX which was used at Chase with all of my personal information. 
Soon after, XXXX conducted an investigation and determined the fraud did not originate internally but was called in and had the recording of the conversation of the hijack. 
Using my personal information, the thieves have attempted to open additional XXXX accounts at XXXX and at Chase. I have had to purchase XXXX protection to alert me of these on-going threats. 
On XXXX XXXX I spoke to XXXX XXXX from Chase fraud dept. XXXX x XXXX. I explained the entire matter and was told an investigation would be done. I never received a follow-up. 
It is my opinion and conclusion that identity theft originated at Chase Home Finance, whether it was a hack, or some other breach, possibly by someone in their IT department, as none of my personal information along with my new XXXX card ever appeared in one place together. In the 40 years of possessing credit, I have never had any breach of any kind, nor any credit card theft ever. The fact that this identity theft occurred in less than two weeks after providing my personal information to Chase strongly indicates the source of the theft.
To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX for Transunion Inquiry from XX/XX/XXXX ... Transunion XXXX XXXX Inquiry from XXXX XXXX, XXXX - Transunion XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX
Hello, I had an auto loan with the XXXX XXXX XXXX XXXX back in XX/XX/2013. During this time I was facing a financial hardship and lost my job during this time. I was a little late on making a payment. A few weeks later I was able to get back on my feet and obtain a new job. Eventually the car was paid off with this company.
My loans ( subsidized and unsubsidized XXXX XXXX ) have been consolidated since XXXX XXXX, XXXX. My servicer is Navient. I have called them several times over the years to make sure the payment plan would qualify for PSLF after 10 years and 120 consecutive on-time payments. I received my third confirmation yesterday XXXX/XXXX/XXXX from XXXX at Navient. After researching more and calling XXXX I was told that my payment plan of Standard Extended 30 years does not qualify. That I would need to change my plan. I have been working XXXX with the hopes of utilizing this great benefit. However, now I am being told that I need to change my plan and start the process all over again and restart my ticker to count towards 10 years. I started and pursued my career as an XXXX with the hopes of using this program. I have had three separate conversations with Navient and all confirming that I was on the " right plan ''. There needs to be clarity and resolution for their actions. I have been misguided even though I have done my due diligence as the borrower. Navient should be held responsible and accountability taken on upon them. Now, I am in a situation where I will need to restart this process. Guidance and resolution is what I seek for this misfortunate situation. As a borrower, calling your servicer is critical, but there is only so much one can do but trust them when they have confirmed time and time again that I am on the right path.
I was a victim of identity fraud. The person name is XXXX XXXX. This individual open a U.S. Bank account with my social security number and used my Identification number, account ending in XXXX. 
Also she open an account with XXXX XXXX XXXX XXXX, using my info account ending XXXX. The address she used is XXXX XXXX XXXX in XXXX, IL XXXX. I did n't profit from any of these accounts nor did I give her permission to use my name or ssn.
I am interested in making weekly mortgage payments in order to decrease the length of my mortgage loan and reduce the amount of interest that I will pay over the term of my loan. I contacted my mortgage company and was told that they only have a bi-weekly program available and that they discourage clients from paying outside of the normal monthly payment schedule, as these payments are customarily held and not applied properly to the clients accounts. I should be able to choose the manner in which I make my mortgage payments as long as by the XXXX of the month, the entire mortgage payment is received by the lending institution. Also, it is quite disturbing to be told that they discourage this practice and that they are aware of the mishandling of the monies that are paid outside of the customary monthly payment schedule. Obviously, the lending institutions would prefer to have all clients pay only once monthly so that they can collect the full amount of interest that would be owed on the loan, but consumers should be giving the option of making payments on a different schedule, that may better suit them.
To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016 and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016 and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it from my credit report.
I had received a call about refinancing with Financial Freedom Mortgage , LLC. These people were all quick to get all of my information and even the vice president of sales visited my house for me to sign some paperwork. After that, I had a heck of a time getting in contact with ANYBODY from this company. I was told that I had to call their appraiser to set up a time for the appraisal. That made no sense. The appraisal was done on XX/XX/XXXX and here it is XX/XX/XXXX and I still don't have it! Apparently the underwriters have it but they cant give out information! So I paid {$480.00} for something they will not give to me. I had to stop the loan process due to getting laid off from my job so now NOBODY answers emails or phone calls!! I either need my appraisal or my money back. I complained to FHA and they said there was nothing they could do but they gave me your email address to contact you. Thank you for any help you can give me on this matter. The company 's information as well as mine is listed below. 

Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Financial Freedom Mortgage , LLC New Jersey Corporate ADDRESS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NJ XXXX NJ NMLS # XXXX Tel : XXXX
I did not request or approve to Huntington Bank looking into me for a credit card or auto loan. remove their poor actuation from my credit score.
I had a foreclosure date schedule. I called the bank and I requested for a short sale being that my daughter was in hospital at that moment having XXXX. It was so stressful I did n't know what to do so they suggested that I can do a short sale. They send me the short sale documents and told me to complete the paper work and send it to them. Knowing that a foreclosure date was schedule for X/XX/2017 it was never cancelled and when they received the documents they told me that it was foreclosed already and it did n't matter. My daughter is very sick and I can not move at the moment. <P/>I have an XXXX XXXX by the name of XXXX XXXX XXXX banging our door down. My daughter have nurses and doctors coming to my home to help her and I am at work. XXXX XXXX bang our doors every sigle day and requesting to get into the house. XXXX XXXX phone number is XXXX Cell XXXX address is XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. XXXX XXXX is an Asset Management which is an investor and have absolutely no consideration for my daughter illness and our situation. <P/>I had a five year interest only loan and I try to modify three times and first they said my income was insufficient the second time my income was to high Astoria bank never tried to help with the modification and knowing that I was going through so much stress lost my job during that process because my daughter illness they just fine the right time to foreclose without my knowledge and the last was they will consider a short sale. <P/>
The servicing company is a Mortgage company by the of XXXX XXXX XXXX in XXXX XXXX, Illinois. That is the company that did not accept the short Sale waited for the date letting me know that it will postpone and foreclosed. The servicing Company XXXX XXXX told me it was to late the own the property and purchase it for {$100.00}. Last package was sent to XXXXXXXXXXXX Phone # XXXX Fax # XXXX toll free # XXXX Right now XXXX XXXX XXXX XXXX XXXX requested for my phone number in an aggressive way and my daughter with the home attendant did n't know what to do. My daughter XXXX XXXX XXXX and she under XXXX XXXX she had XXXX XXXX and right now she can not go through any stress. <P/>Can you please let me know what should I do. I just do n't know what to do. My information XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX e-mail # XXXX XXXX XXXX Loan #
Navient put me on a reduced payment program and they cancelled it on me without calling me. The woman on the phone by the name of XXXX told me they tried to call me and reach me but could n't. Also that they should have told me XXXX XXXX when they called me to change the payment from credit card to my account which I did.