WillisBack/dataset-financial-user-claim huggingface dataset:
I paid my credit card balance down almost 2 months ago and Equifax hasnt updated my balance since XX/XX/ 2017. This is preventing me from purchasing my home which i was scheduled to do so within the next few weeks. They are saying they verified my balance and my credit union says they havent. The other two bureaus has since updated my correct balance but Equifax refuses to do so.
I seem to keep having a problem with XXXX with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX (XX/XX/XXXX & XX/XX/XXXX ) These are not mine
I am currently in the process of attempting to get a mortgage. My mortgage was originally derailed in XX/XX/XXXX when an account for a collection from XXXX iXXXX XXXX showed up on my credit report, which tanked my score. This account was reported to my credit without the collections agency ever contacting me via phone or at my current address. I called the collections agency to clear this up, the agency admitted that they were in the wrong, and they agreed to delete the account from my credit report. This was on XX/XX/XXXX. I have made multiple follow-up calls to the credit reporting agency to inform them that the account is still on my credit report. They assured me they sent the deletion notice ... once on XX/XX/XXXX and again in XX/XX/XXXX. Still, the account remains on my credit. I contacted XXXX to resolve this over the phone after the collections agency sent me a letter confirming the deletion. XXXX said that in order to even look into the issue, I would have to file a formal " dispute. '' I explained that I could not do that as it would further delay my getting a mortgage because the dispute process can take up to 30 days and that the bank will NOT issue a mortgage with an open dispute on my credit report. XXXX 's representatives and supervisor subsequently refused to do anything about the issue, saying I would have to file a dispute. This is despite my offering to furnish the letter from the credit reporting agency, or to join in a conference call with the agency to confirm deletion of the item. XXXX wants me to engage in a dispute process that could take 30 days and will further delay the mortgage, after their error, and the error of the credit reporting agency. I want this account OFF my credit report NOW or I want damages for the full value of the mortgage, rental incomes into perpetuity, and damages for intentional infliction of XXXX XXXX.
National Principle group calls me out of the the blue and stated I had i r took out a payday loan over the internet in 2010. Asked if I had ever lived at XXXX, and was my email XXXX. They then proceeded to tell me I took out this payday loan and deposited into my XXXX XXXX bank account. I told them I never had a XXXX XXXX account. I politely asked them to send me all the paper they had for my review. I did n't no tell them I have XXXX sisters that are XXXX. ) They told me me I was just causing time and I said no. I just wanted to follow the paper trail because there is always one. XXXX at XXXX x XXXX to me to pay the {$500.00} + dollars today and take care of. I asked her to send me in the mail all of her paperwork for my review. She said I was just stalling. She stated she would send it to my email, but I have n't seen anything.
In XXXX of XXXX I received a solicitation from XXXX XXXX Bank XXXX XXXX with an offer, " 0.00 % APR on all Purchases and Balance Transfers good until XXXX XXXX ''. I have received several similar offers since then, with the words inserted after balance transfers, " when you use these checks ''. Had that wording been on the offer I received, I would have behaved very differently. As it was, since I had a zero balance at the time, I preceded to make purchases with my credit card, " all purchases '', and to pay the minimum balance due. I have participated in many 0 % on purchases offers previously and since this one. I have always paid off the balance before a higher rate of interest started. 

While I had been paying attention to not go over my credit limit, it was not until XXXX that I noticed a large amount of interest was being added. When I called the bank, I was told that they did n't mean " all purchases '' ; just the ones made with the XXXX checks enclosed. Since no one I talked to at the bank offered any recourse, I immediately paid off the balance on my account, which included over {$800.00} in interest. 

Even if I had written a check for the entire amount of my credit line. The fee that I would have paid would have only been about {$340.00}. 

They must have realized that their wording was deceptive to have changed it so quickly after their 1st offer, but so far they have refused to acknowledge this to me or to the XXXX.
Ditech recently raised my mortgage payment due to an error in the amount they are escrowing for my townhome insurance. They are escrowing for an annual insurance premium of {$2000.00} when the premium is actually {$100.00} ( so 20 times the correct amount ). I notified them of their error on XXXX XXXX. Since XXXX XXXX, I have called Customer Service twice and sent four written communications. Today is XXXX XXXX and still no action. My payment is due XXXX XXXX and I do n't want to pay the amount they show owing because it 's incorrect and way more than I owe them. The problem stemmed from the Escrow Dept. misreading my insurance company 's " Evidence of Insurance '' document. The document showed insurance on multiple properties, and Ditech used the TOTAL for all properties ( when calculating a higher monthly mortgage payment ) rather than using the line item amount stating the premium for the townhome property that Ditech has financed. I sent an updated document from my insurance company to Ditech ( several times now ) -- clearly showing only townhome insurance and clearly showing the annual premium of {$100.00}.
I have had this HELOC for many years. I have NEVER been late. My payments are set up in my billpay service as automatic payments. On XXXX XXXX, when I returned to my home after evacuating from Hurricane Irma, there was a letter in my mailbox informing me that they have a obligation under federal law to inform me that they reported me late to the credit bureau 's. I was shocked, not knowing why? The next envelope I opened indicated I had a balance due of {$4.00} and it was late. This was the FIRST notification that anything was wrong.
This company has called me XXXX times about a " debt '' that I owe, but will not tell me what this debt is from. I do not know of any outstanding debts that I have, and nor will they tell me what this debt is supposedly from. Were very threatening on the phone that they would continue to come after me. I asked them for verification that they were a true company and not a scam, because I do not give out financial information over the phone, and they would not give me a website or any other way to verify that they were real.
First of all I went to open and account and they told me that is was some check got deposited in my account which I had no idea that check was in my account cause I dont use check at all and they told me it was fraudulent on my account so then they told me to get and touch with yall my information have got stolen that why I have identity on my record so could you please help me
Debt from XXXX  showing amount owed of XXXX dollars. Debt collection company calls every hour requesting payment also has account from XXXX for XXXX dollars I currently have a XXXX account paid to date. Debts are not mine or we forgiven by company while on XXXX XXXX under XXXX XXXX XXXX XXXX.
Further to claim # XXXX, I understand that you have reviewed your records and state that loan and lien were against apartment XXXX. 

However I need to understand how is that the loan ending XXXX reflects, per your letter dated XXXX/XXXX/XXXX ( copy attached ), a loan summary of XXXX from XX/XX/XXXX to XX/XX/XXXX? Can you please forward me copies of the loan documents related to this loan. As mentioned before I do n't recall asking for a loan for XXXX ' amount. It makes no sense. If someone asks for a loan, Is because someone needs some funds not XXXX ' funds.
In XXXX of 2017 my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX XXXX  almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XXXX of XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.
Since XXXX 2015 I have sent letters to Portfolio Recovery Associates to have an unknown account removed. I was never contacted by them initially, so I can not tell you what the debt is for. I discovered the account on my credit and requested that they send me proof they have the correct person and or advise me of whom the original creditor is and or what it is for ... ... .. To date, I have sent them certified letters on XXXX XXXX, XXXX XXXX and XXXX XXXX 2015 and they have ignored me but continue to report the debt on my credit. According to the credit bureaus they ( PRA ) have verified the debt as belonging to me but have refused to communicate with me. 

Moreover, I have sent XXXX notices to the following addressXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and have never got a response from them even though I have proof from the Po office it was delivered so I sent another letter to the other address that is listed on my credit which is XXXX, VA XXXX and they refused the letter so it was returned.
early XX/XX/XXXX we were told by loan depot rep XXXX XXXX that we were pre approved for a mtge and would close XX/XX/XXXX we did close mtge funded XX/XX/XXXX the new mtge docs said that the first payment was due XX/XX/XXXX. so we did not make our XX/XX/XXXX payment to our existing mtge company. on XX/XX/XXXX loan depot decided to defund the mortgage leaving us now 30 days behind on our mtge can they do this 3 companys were involved XXXX XXXX XXXX XXXX XXXX and home depot
On XX/XX/2018- i submitted a complaint about not having a contract with XXXX XXXX XXXX and never doing business with them- The company sent the following reply- XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Our office is in receipt of the complaint filed by Ms. XXXX XXXX. We greatly appreciate the opportunity to respond. Ms. XXXX indicates she never had a contract with our company. Please note that Ms. XXXX had an account with our creditor-client, who placed the account with our office for collections. Ms. XXXX is however, disputing the account, so we have placed this account on hold and requested verification of the account from our creditor-client. We will send the documentation from our client to Ms. XXXX if and when it is received. Ms. XXXX is also requesting that we remove the account from her credit report, but please be advised that the account has not yet been reported. We trust this resolves your concerns. 

The response was noted on XX/XX/2018- I was not sent any copies of the documents that the company had in their files that was used to verify the claim, today is XX/XX/2018- not even 30 days, yet it is reporting on my credit report.
XXXX of XXXX I tried to make a payment but case was closed because my attorney failed to make a modification. Ditech/Greentree filed a motioned to lift the automatic stay, because I missed two payments but, one of the missed payments was my attorneys fault which raised my payments 60.00 more, but stay was lifted. I found out months later from the trustee that my attorney without my knowledge had surrendered my home the year before & then applied for more money! but was denied. The trustee told me that I had around 7,000.00 at her office. I asked Ditech if they would accept that & modify my loan, & my husband a ( veteran ) had offered to take out a VA loan if it would help us keep our home, but they refused & said that I had to have XXXX before being considered! Previous to this we hired XXXX XXXX XXXX to lower our interest which was at 10! /2 % for 20 years we owed almost what we gave for it! Our payments that went from XXXX to XXXX from Bankruptcy. I had applied on line for a modification which is '' '' STILL BEING REVIEWED, '' '' today! We hired another attorney which shows on the NDC summary a modification to the plan was made the day before MY HOME WAS SOLD which was XX/XX/XXXX!!. Last year my attorney was arrested & yesterday he & his paralegal were arrested for XXXX, Yesterday we GOT EVICTION NOTICE!! .. Is there anyway we can stop this due to No counsel?? asap ... they are kicking us out Immediately!! Sincerely, XXXX
On XXXX/XXXX/16 I contacted US Bank to request payofff amount for my US Bank HELOC. On XXXX/XXXX/16 sent check via USPS Certified Mail for payoff amount as of XXXX/XXXX/16. USPS shows check delivered on XXXX/XXXX/16. Check not cashed as of XXXX/XXXX/16, called to inquire, was told checks take 3-5 days to process, would not be charged the per diem ( {$16.00} ) for the processing time, account would be {$16.00} each day for the 2 late days ( payment was sent for payoff as of XXXX, but USPS Certified Tracking shows delivery on XXXX ). As of XXXX/XXXX/16, check still not cashed. Called to inquire evening of XXXX/XXXX/16. Was told check was submitted for incorrect amount ; check had been returned to me in mail that day. US Bank held the payoff check from XXXX through XXXX, never tried to contact me. US Bank claims the per diem of {$16.00} is owed for each day they held the payoff check ( XXXX x 9 days between XXXX and XXXX ). Check was written for payoff date of XXXX, and I should pay {$16.00} per diem for the 2 days after payment was made. It appears US Bank deemed the check to be insufficient to pay off the loan ; did not submit the check for payment ; held the check for 9 days without contacting me, all in an effort to hinder paying the loan off in order to continue collecting the {$16.00} per diem. This action is underhanded and should not be allowed.
Attempted to collect wrong amount Debt resulted from identity theft Did not receive notice of right to dispute Not enough information to verify debt i.e. amount of debt & name of creditor Did not disclose communication was an attempt to collect a debt
Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for 9 years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.
1. Date opened XX/XX/XXXX was notr loan for XXXX i wasnt with spouse as of XX/XX/XXXX so i never signed ok for a note loan on a vehicle i wasnt even on for the amount of XXXX, we stopped living together as of XX/XX/XXXX No actions taking by no one due to i am just now getting collection calls n i looked at credit report and seen about of stuff i didnt authorize
Our loan was modified. We made all the trial payments needed. They came back to us and said they were sorry they made a mistake. We appealed it and then they came back and said they would honor the {$1800.00} payment but we had to pay {$5600.00} in a few days. We asked for more time but they said no. We appealed and was told to do nothing until they reached a conclusion. They told us to make XXXX 2015 payment which we did. They sent us new modification papers which only stated we had to pay the {$1800.00} and nothing else. We signed and notorized them and sent them back. They executed them and sent us copies. I made the XXXX payment on time and today XXXX/XXXX/15 they returned my money and said they want {$6100.00} by XXXX XXXX ( 4 days ) and also pay {$2900.00} for 6 months before we can pay the {$1800.00}. They said our modification was no longer good. I do n't feel what they are doing is right. Can you please help to straighten out this mess. We do n't want to lose our house over this because they are not taking our payments.
I defaulted on my payday loan with spotloan. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency XXXX about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?
As an XXXX yr old senior my wife and I purchased a new car. The dealership set us up with Ally Bank and we opted for auto withdrawal from our account. This XXXX XXXX l got an email from Ally saying that my bank rejected payment and after much discussion with different XXXX Ally l contacted my bank and they stated no request was ever made.We have been paying auto withdrawal for over XXXX yrs. l have trusted my bank for over XXXX. After much transfering of calls over a XXXX day period Ally instructed me to log on to their website and redo all my personal information.l did so.When l had finished a notice informed me that they could not reenroll me and to try again later. l was instructed to try again and again the same message came up. I was then instructed in the various ways l could pay my XXXX XXXX payment l chose to pay by check which l sent on XXXX XXXX. At that time l began to research Ally reviews. l found complete disregard for the customer.l found what appear to be illegal practices and l do n't want to be caught up in them and feel bad for those who are.As a senior, l have all ready felt the stress of refilling out unnecessary forms over and over. l am asking for help to stop these practices by Ally Bank.Thank you
I dispute date account open for Nelnet Loan Services The date account open is incorrect for US Nelnet Loan Services account on my credit report. I am requesting that this Nelnet Loan Services account is deleted off my credit report and credit file.
The debt was sold to a collection agency, portfolio recovery, that I do not have a contract with. I have disputed the debt numerous times and still they attempt to collect from me. I am asking this be removed from all 3 credit bureaus and my credit file be updated as such
A modification was requested in XX/XX/XXXX on this loan and was n't approved until XX/XX/XXXX. I made the trial payments and then nothing happened with my  modification packet. I never got anything to finish the process and I was told by Citi Mortgage that I needed to wait for the packet they were way behind ... To this day I have never received that original packet. In XX/XX/XXXX Citi tried to Foreclose on my property at the same time I tried to sell my home.. The foreclosure attorney found an unreleased deed of trust on my property that Citi failed to have released when they refinanced my home.. 
This stopped the foreclosure and it stopped me from being able to sell the home. 
I have tried from that point until today to get them to work with me.. The title is still not clear so I cant sell the property and they have a foreclosure sale date set for XX/XX/XXXX. I tried to work with them in hopes to do a short sale once I hire someone to clear the tile since they are not willing to clear it and they will not stop the sale. I have a XXXX husband and a XXXX XXXX old grandson that I need to relocate very fast if I cant get this sell stopped.
Service fees on checking accounts? Really? I did n't realize they had even started doing that till I was out of work. Then I was penalized because I did n't have enough money. I did n't even over draft. I simply did n't have the minimum balance to avoid a fee. The logic on this is backwards - if you have money, your checking is free, but if you 're barely scraping by, we 're going to penalize you by taking even more money out of your account? I bank with Chase. If I can find a bank that does n't charge me simply for keeping my money in a checking account, I will change. But this is usury. This is what monopoly looks like. This is what no regulation looks like.
I have not received the proper validation regarding the debt, the collection company, has sent copy.s of collection items that does n't properly confirm the debt in question. I would like them to send me a signed document of debt to properly verify the debt. If not please delete this item from my credit file. They have paid for debt that does n't verify the debt properly. Have them send me a original copy of the debt with my signature to properly verify the debt if not please delete this item from my credit profile.
I am a XXXX person, Ocwen loan servicing transferred this loan portfolio since XXXX XXXX XXXX from GMAC in bankruptcy Court. That court 's findings verified & ruled negotiated XXXX modification contract breached, valid, dozens of undue payments & charges & fees. Based on such Ocwen was required to comply but not doing so forced action which I handled for about two years. In requesting Ocwen to comply, Ocwen required undue payments, a un-requested loan payoff & after court overruled Ocwens demurrers & denied summary adjudications, Ocwen now has denied me monthly statements since XXXX XXXX. Ocwen was submited undue charges, fees, placing loan in past due status, sent unrequested loan payoff. now in choosing to litigate issues ruled breached by both bankruptcy & superior court asserts errors in XXXX modification. This caused XXXX of dollars in costs as I rely on Soc. Sec. XXXX I chosed contacting the cfpb & going over Ocwen Consent Order sections pertaining to charges, undue fees, monthly statements & errors on contract drawn by lenders, they still are have not provided monthly statements since XXXX XXXX, where I can see how payments are applied, escrow, insurance, fees etc. the response has been that loan is in litigation that why no statements has been or will be issued. I must emphasized there is still 17 years on my loan. by cfpb mentions these were the same reason why Consent Order was entered against Ocwen, to prevent this from happening again. Ocwen says it 's bank policy not to provide monthly statements if loan is litigated, but I did not see any exceptions on consent Order. How will I verify how payment is being applied with past history of undue charges?. My lop-top computer is not working so I can not go on line. Ocwen 's still do not want to issue statements. in addition upon placing loan in past due status, I have had to certify monthly payments which adds an additional charge which do not have to be. I understand that borrowers are supposed to correct all issues concerning loan charges, fees, within a quarter period. in addition, lenders can not claim errors on modifications per Consent Order sections. claiming errors, blaming customers for such it is outrageous, & using above excuses in retaliation is even more. once confirmed by cfpb officials complaint had merit I now make this declaration. I have evidence of undue payments fees & charges & un-requested loan payoff, bankruptcy court ruling minutes, ruling & order & superior court rulings of breaches and overruled demurrers available upon agency 's request. I have had several XXXX XXXX including a XXXX caused by these problems.