WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I applied for forbearance since my husband left me and I was not working at the time, loan care granted me 6 months. I also then started applying for a loan modification and have since gotten them docs requested and in a timely manner and the same docs so many repeated times.fast fwd to now XX/XX/XXXX and they have denied me a few times stating that my docs would expire and they have never sent me to and under writer because of this, I feel they are trying to get me to lose my house. I have every spoke to external emplyess that say they show they have all docs requested yet loan care still asks for my divorce decree and child support docs over and over along with other docs that never expire. My spoc. Is never reachable, never emails me back I have escalated this to a few different supervisors and no one ever calls me back. This company has been the worst mortgage services I have ever dealt with XXXX owning my home. This has been such a huge weight on my shoulders and seems no fixing in sight since they can just keep changing the rules of the game when I have complied with all they have asked and plenty more. Why is this so very difficult when I have tons of stress going on in life any ways and fear losing my home for me and my XXXX kids this frustrates me to no end and Im feeling hopeless.
XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to Equifax, XXXX and XXXX XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
Was out of work throughout my time at school and was given a forbearance instead of no employment repay which kept the interest going. I asked about it they said I didn't qualify for it, when I took off time from school due to illness. And the school was not forth coming on the amount of my base loans. I asked for copies of my loans that I took out to verify my actual amounts because my loans interest was getting very high even while in school. 
I never received a copy or explanation as to why I can not receive the copy. I strongly dispute the actual amount of the loans taken and the interest accrued.
On XXXX XXXX, 2016, I applied for a loan with Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX. I was approved for {$600.00} and told that the total amount to pay the loan off would be {$810.00} ( with an interest rate 35 % ). I agreed over the phone to pay off the loan at {$810.00} ; however, after the money was deposited into my account, Big Picture Loans sent me a different agreement which stated that my annual percentage rate was 740.258 %, and instead of {$210.00} in finance charges, I would pay {$3600.00} in finance charges. I called the company after discovering this and informed them of my concerns and was unable to resolve the issue. As a result, they have automatically deducted {$210.00} every two weeks from my account, to date, totaling {$1000.00}.
I had my accounts in deferment and then forbearance before refinancing them to XXXX XXXX then turned naviennt solutions reported to all credit bereaus that XX/XX/XXXX to XX/XX/XXXX my student loans were XXXX days late. For XXXX those do n't even equal XXXX days late and I was in forbearance and then deferment and then refinanced them to XXXX so nothing should be showing late on any of these student loans with XXXX which is now naviennt solutions. I want this fixed asap
On XX/XX/XXXX I took my cat to the vet after being hit by a car. The short of it, he needs an operation that costs XXXX $ to save his leg. I spent 5 years fixing my credit so I figure XXXX XXXX would increase my card to that. Nope ... Denied due to inaccurate reporting of an account by moneylion. My bank information did not update in their system which caused my payment to be THREE ( not 30 ) days late. I got back on a payment plan and paid as agreed. Upon receipt of a final payment from my mortgage refinance they FINALLY decide to report the account and report it late AND in collections and claim it's 90 days late. I was only late twice and both times, even combined, is less than 30 days.
Midwest Recovery Systems reported a collection debt to my XXXX and XXXX credit file in XX/XX/XXXX for {$790.00}. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX XXXX, I could not reach a person and only heard advertisements for switching phone service, etc. 
It appears that the debt was sold from another collection agency (? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX and XXXX. This caused my credit score to drop at least XXXX points and possibly up to XXXX points. I intend to seek full restitution and damages if this is not removed from my credit file immediately. I 'm almost positive the debt was originally incurred in XX/XX/XXXX/XX/XX/XXXX, which would make the debt 8-9 years old now which is well past the statute of limitations. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they can sure pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file so my family can buy first house.
1. I received a collection notice in XX/XX/XXXX from Aargon Collection Agency. 
2. The collection is {$120.00} and filed by XXXX XXXX. 
3. I called Aargon Collection Agency and spoke to XXXX at extension XXXX on XX/XX/XXXX. 
4. XXXX stated the collection is for a XXXX XXXX issued to my XXXX daughter on XX/XX/XXXX. 
5. I told XXXX we never received a bill for the XXXX XXXX and furthermore, we would take our daughter to the doctor 's office and not XXXX XXXX. XXXX XXXX is a supplier of medical supplies. 
6. Any outstanding medical payments not covered under insurance would have been and have been paid to the applicable physician. 
7. XXXX stated XXXX XXXX is the worst of their clients and the number one complaint from individuals like me is because XXXX XXXX does not send out bills. They employ the collection agency rather than bill individuals themselves. 
8. This charge is 24 months old. We pay our bills. I am disputing this charge and feel after 24 months of no notification we should not be responsible for the lack of responsibility on the part of XXXX XXXX.
I accidentally paid the XXXX XXXX Tax to XXXXhe County when my mortgage company ; Cornerstone Home Lending , Inc. was supposed to : XX/XX/18 {$1100.00} and {$26.00} fee. When I talked to another lender, XXXX XXXX, about refinancing, they told me that the mortgage company pays the tax. I contacted the assessor twice and he said that the mortgage company has to refund. I called my original broker ; who said I had to call XXXX. XXXX at XXXX said that I have to go to the assessor and get a hand written receipt. I told him that I paid with credit card. He said he can't help. I said that they will be reported.
My husband XXXX XXXX XXXX XXXX 2017 after this happened I sent the appropriate documentation to the loan office which is OneMain Financial used to be called Springleaf Financial I was then told that my husband had credit life insurance and then it would cover the remaining balance of the loan and I would be mailed the titles to the vehicles. However when I asked XXXX the branch manager XXXX in XXXX office he said that he could not give me any documentation he was rude to me gave me the run-around and told me I need to get a court order to get documentation all I wanted was to handle my husband 's affairs I feel like they were unprofessional did not answer my questions I would like his account investigated and looked upon because I am doubting the accuracy of the numbers since this this loan was just modified XXXX and I 've been making numerous payments I 've been and I 'm wondering why I can not get his file nor get answers I want to look into and if needed I would like corrective action taken to anyone who has been doing unethical things on behalf of my XXXX husband and if I 'm owed money or it needs to go to an account for a trust that I want it I want to be notified. 
I believe that there is money due back to the benefactor which would be me next to XXXX please look into this matter of the utmost importance.
I have US Bank XXXX XXXX personal and business credit cards. Both have the annual fee and it is advertized that this annual fee pays for cards benefits. One of the benefits is Bonus Award Night. However they decided to remove this benefit from both cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers.
After sending information to verify myself with my disputes XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXXXXXX never late XXXX XXXXXXXX XXXX never late XXXX XXXXXXXX never late/paid in full XXXX XXXX XXXXXXXX not mine XXXX XXXX never late XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XXXX {$370.00} not mine XXXXXXXX XXXX  XXXX XXXX not mine
I went to the us bank at XXXX to make my mortgage payment on XXXX. The bank hours showed they opened at XXXX. I was there at XXXX and the branch was closed. This branch is lacated in a XXXX and the store employees said this is common. I called the us bank mortgage phone number to complain and spoke to a really good rep that did everything she said that she could do but to register a formal complaint she said she needed to transfer me to the bank side. After being transferred the new service rep was basically useless and said I should call the branch to complain. The same branch where people did n't show up. I asked if they had a district manager to complain to and she said they did but she did not have the number and I should call the branch and ask them for it. This is terrible service and now I will have a late fee because the branch was n't open when they said they would be
In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Equifax and XXXX Consumer reporting agencies regarding two accounts ( XXXX XXXX & XXXX XXXX ) that still remain on my credit report which were established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from XXXX Credit Report. XXXX XXXX also has been removed and blocked from my XXXX Credit Report. I've sent both Equifax and XXXX  Consumer reporting agencies several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect Equifax and XXXX  to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report.
I still have not heard anything back from this credit bureau. This is my 3rd complaint and i 've sent a total of 3 disputes as well with everything requried by identitytheft.gov and the ftc. The attachment has my ID theft report. Thank you so much for helping me.
Account is still being credit reported after I received letters stating that they would be removed. Also received checks because if a lawsuit for this same thing and its happening again.
I have a Nationstar Mortgage after my loan was sold to them. It was with XXXX, who sold to XXXX XXXX XXXX. They sold my loan to Nationstar Mortgage. It has been a rollercoaster since Nationstar took over my loan. After being denied the affordable home loan application b/c I no longer live in my house. I continued to make my payments at 5.75 % on XXXX loan. Recently there was a XXXX in the house so I had to setup a payment plan to fix the problems with the house. Long story short. They have been sending my payment back. I call and when I finally get a person on the phone, they note my account about my payment being sent in and satisfied with my payment and the process I am paying. I can not use their online service b/c when setting up a new bank account my payment was rejected. So due to that happening XXXX I can not make online payments anymore b/c they wo n't allow me too. This month my payment plan payment of {$2500.00} was return to me after funds came out of my account and went to them. THey rejected the funds and sent them back to me. I called and they stated they did not know why. I then stated I would pay the account to bring it current since it was the last payment in my plan and paid fees for that last payment. I sent {$2800.00}. They again rejected my payment and sent it back. Each time fees have been charged to my account. I continue to give them my money b/c it is my debt and my obligation and the right thing. Yet they make it difficult to pay and then continue fee me? Where do I go from here?
I have a XXXX checking account. I do not have a capital one credit card. Capital one has been debiting my checking account without my authorization. I have been advised previously by XXXX to just close my account. This would be a burden on me. I have filed an unauthorized debit complaint with XXXX and emailed capital one to cease and desist in debiting and withdrawing from my XXXX checking account. XXXX has not accepted my statement to date. I am a XXXX XXXX citizen and need help.
This debt was brought on a person who stole my indenty I never lived at the address XXXX XXXX XXXX XXXX ca XXXX thats where this account was opened
I was notified that my personal information was compromised as a result of the XXXX XXXX 2017 security breach at Equifax. I want to file an official complaint and I want to know how Equifax plans to protect myself and millions of others implicated. I do not want to be financially responsible for something that happens as a result of their ineptitude.
I sold a home financed by BB & T in XXXX 2014. At the time I was almost XXXX months behind on the payments. The home was completely paid off and I received a refund from my escrow account. A few months later I noticed it was showing delinquent on my credit report so I disputed it. It came back as valid. I disputed again, came back valid. I called BB & T and a customer service rep said there was a {$10.00} balance for an inspection. Nobody sent me anything regarding this. I asked how to get it resolved, she transferred me to a voice mail box. I left a message more than a week ago, no response. I want this corrected on my credit report. It is showing delinquent for a year now. Can you please
I called XXXX card customer service about an old credit card debt from about 10 years ago. They referred me to Zakheim Law Group and provided the phone number. I contacted Zakheim Law Group and requested written information on the debt, including payoff. They requested that I fax a signed statement that I was not being represented by an attorney before they would speak to me. I complied. I called again and requested the written information about my debt. They said they would have it to me by the end of the week. They did not. I called again Monday, they said they would have it to me by Wednesday. They did not. I called again and was told they would have it to me by Friday. They did not. I called again the following Monday and could never get a person on the line. I called again Tuesday and could not get a person on the line. I called XXXX card. The XXXX XXXX representative attempted to contact Zakheim Law Group as well, and was unable to reach anyone after a very long hold. So, ultimately, after more than 2 weeks and a multitude of phone calls and requests, I still have no written  statement of my debt. In the meantime, there is a lien on my home, and interest continues to build daily ( as I was informed ).
On XX/XX/2017, this company sent me a letter collecting XXXX. On XX/XX/2017. I requested information about this debt. On XX/XX/2017 they sent me a copy of a lease for an apartment rental at a community by the name of " XXXX XXXX XXXX ''. The balance at move out was at {$340.00}. I had given a deposit of {$600.00}. This means that they were supposed to give me back the difference : {$600.00} - {$340.00} = XXXX. Instead, XXXX XXXX XXXXXXXX added the following fees : {$120.00} Kitchen counter top refinishing. I paid XXXX out of my ocket to do this before I moved out, so they didnt have to do this and don't have an invoice showing they did. They added {$170.00} Master tub refinishing. They don't have an invoice for this. The tub was sparkling clean before I moved. They added {$1200.00} for moving out a month before lease expired. I notified them 90 days prior to moving that I purchased a home. They also added {$390.00} for 34 months left of carpet use, when I also hired a company to clean the carpet two days before moving out. Adding up {$340.00} Balance at move out, why?, plus {$1900.00} additional charges = {$2300.00} minus my XXXX deposit they claim I owe {$1700.00}. So I sent a letter to Ideal Collection Services requesting an investigation of those charges and instead of responding to me, they waited exactly two years to report this account to my credit report. Damaging my impecable credit which was at XXXX credit score to XXXX thanks to their negligence.
Equifax Information System is reporting inaccurate information on my credit file. The inaccurate information has been furnished to Equifax by XXXX. The inaccurate information is the FIRST DATE OF DELIQUENCY ( XX/XX/2010 )
XXXX XXXX XXXX XXXX account no.XXXX .... is wrongfully appearing on my Experian credit report.XXXX XXXX , a bank recently notorious for cheating customers on automobile loans, regardless of scrutiny and fines paid is continuing to cheat customers. 
My 48 month auto loan was paid off.After receiving clear title, the pink slip from XXXX XXXX a mysterious, undisclosed, unaccounted for fee for {$190.00} dollars ( now {$250.00} ) was assessed and is appearing on my credit report.Regardless of numerous disputes for XXXX XXXX fraud to Experian the account remains on my credit report.At the least this account should be immediately deleted and XXXX XXXX, who are thieves, from the top of the company executives on down should continue to remain under CFPB scrutiny for possible criminal charges or closing the bank to their operations in automobile lending.
On one previous occasion I paid my fianc car note for him ( recorded consent with rep ) with my credit card but later that year ( 2016 ) during the holidays I checked my card for unauthorized charges & there was one from my fianc car note company which I had not authorized!
On XX/XX/XXXX this company made repeated call before XXXX XXXX to my phone after I made several attempts for this company to stop calling me.
I have sent out letters since XX/XX/2017 for Equifax to provide proof of the documentation that have received by the negative reporting companies on my credit. Each investigation that I initiate ends up with the same generic response we verified that this account belongs to you. I have sent letters to each of these companies and I have n't received validation. So I do n't understand how they obtained validation at all. Or why it has been impossible for them to provide me with the proof if they have it in their possession. I have also requested that certain inquiries are removed off my credit that I did not authorize. But I receive the generic response of inquiries are factual record of file access. I do n't see the point of having an extended fraud alert if information can easily attach itself to my credit report. They do n't take time to actually verify these accounts ; they just send out generic responses. For example I mail out all my letters through a company that provides tracking of when the letters is mailed out and when it is received by the company. I sent a dispute out on XX/XX/2017 and it was received by Equifax on XX/XX/2017. I get a response to my dispute on XX/XX/2017. I have proof of everything if you need copies. I did upload proof of the timing of the report for one of my disputes just to show you an example. Thanks so much in advance.
I have a student loan being serviced with Navient. My payments are due on the XXXX of every month. This month, XXXX, I was working a lot of hours and realized I forgot to make my payment. When I logged on XX/XX/19 I noticed my loan balance was {$140.00} higher than it was last month. I've been tracking the balance and payment application for a while. I assume this is a late fee, but I was only 3 days late and this seems really excessive. I tried calling customer service and the number I called had two options one to  speak with someone about loan forgiveness and the other sent me to survey about vacation and when I declined it hung up. I tried calling back several times, and each time received a different message and was not able to get the call to go through. I've made several complaints against the Navient as I feel the payments aren't being applied correctly and I've see what appears to be interest charges I don't understand. I've called in the past and have not been able to get a sufficient explanation. Now it appears I can't even speak with anyone regarding my account. I know they have a lot of class action law suites open but what are borrows who have them supposed to do if they can't even speak to someone about their loans anymore?
Our Bank, PNC Bank,XXXX XXXX XXXX XXXX XXXX OH, has been waiting 15 to 20 days from the time our bills are paid, to the time they actually pay them. We found this out through the electric company, water, and cable services we pay on a monthly basis. This has been happening starting in XX/XX/XXXX, and going through XX/XX/XXXX. One such delay caused our water services to be disconnected. THEN they said we were {$160.00} dollars overdraft, and charged us an additional {$300.00} in fees!!!! 
The date the fees were imposed was XX/XX/XXXX. We have no written documentation yet on these fees - the were just taken out of a deposited check on this day. Something is VERY shady here.
XXXX XXXX has tagged me with a phantom account and reported it to TransUnion, XXXX and XXXX. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with TransUnion, XXXX, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.
The debt collector called me at my place of employment. I notifyed them I can not take such calls at work and provided a cell phone number. I called back on my cell phone and notifyed them that there is no debt to be paid because the medical bills were paid by insurance.