WillisBack/dataset-financial-user-claim huggingface dataset:
Went through process of refinance with CitiMortgage. At the last moment, loan officer made a big error in my monthly payment she had estimated ( more than I had expected ). I went ahead with it and paid {$450.00} for appraisal. Appraiser was VERY rude spent no more than 15 min at my home and appraised it way under the county taxed amount and was unfair appraisal. Challenged appraisal with back up and proper comps from a licensed real estate agent and appraisal still stood. Was very close on the XXXX % equity ratio so Citi jabbed me on money to bring to table and extra closing costs. Felt like bank was in bed w appraiser. Just not right. I signed closing papers but backed out of deal w/in 24 hours.
On XX/XX/XXXX I received an automated recording call that said my son, who is XXXX, had a debt collector trying to reach him. It told me to hit a number if I was my son. I thought it was a scam and hung up. On XX/XX/XXXX my son received a letter in the mail from Allied International Credit Corp. The letter says that they are a debt collector and that he owes money and they have been trying to reach him. I XXXX about this company and the company they say they are collecting for and it appears to be a scam and I do not want to call them. The company says that my son owes {$32.00} to XXXX. I would like to have consumer finance reach out to this company to see what is going on here and if I need to file a Scam with someone else.
The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. All of these are in violation of the Fair Credit Reporting Act, et, al.

The following is/are a list of inaccuracies/erroneous status(es) still showing on my credit report:

XXXX Ocwen Loan Servicing, LLC shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is Ocwen that has mis-managed the escrow; and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with Ocwen. 

XXXX  The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

XXXX  Any inquiries, two or more years old, should no longer be showing on the account.

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.
A notery came to my home and lied straight through the hold thing. She assured me I could stay in home until time of my death. I was only XXXX then. We never did have couceling or I would never have signed off on the loan. And even Hud just passed the law that would allow me to stay in my home, XXXX XXXX XXXX HAS IT UP FOR AUCTION ON XXXX at XXXX .I called when I turned XXXX and XXXX XXXX XXXX XXXX me it would cost me XXXX to get on loan that if I waited until I was XXXX it would be cheaper, That was a lie. He wants me to come up with XXXX.I lost my husband on XX/XX/XXXX. I am now XXXX and no money, no home. So my advise to the old folks out there. beware. Do not listen to the lies they are telling people.We took the mortage in XX/XX/XXXX and he never did record it until Legale Aid who I thought was on my side but not so called him and and told him to go register the loan at the court house. which he did after all these years. 
XXXX XXXX, XXXX. XXXX
I got letter from this collection agency base out of Washington state and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA. The company got the company that I filed with consumerfiance department and they said We received the complainants dispute notice on XX/XX/. Our records indicate that the previous address we had on file as an incorrect mailing address on XXXX XXXX in XXXX. We only recently obtained updated address information from his estranged spouse and mailed the validation letter to the updated address. Since it appears the complainant did not receive previous communication, we will provide a deletion of accounts recently reported for 30 days. I have not received any letter from this company explain or etc and I notice that place everything back on credit report this month without validation letter.I am going to report this action back to Attorney General today to see if his office give me better answer on this matter.
The credit bureaus have not investigated and removed my fraudulent accounts that is a result of identity theft on my credit file
To whom it may concern I'm having an issue with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GEORGIA XXXX XXXX SEND PAYMENT TO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MISSOURI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MICHIGAN XXXX XXXX I made a purchase of a washing machine and dryer the total cost was {$1100.00} my payments are {$73.00} I made the purchase of the washing machine and dryer on XX/XX/2018 which I have made 8 payments {$73.00} 8 months = {$580.00} but after 8 months of pain my monthly fee I found that I still owed {$1000.00} that only {$91.00} has been applied to my bill and {$490.00} it's the fee if I pay another 8 months only {$91.00} will be applied to my bill and another {$490.00} would be my fee and I will still own {$1000.00} these fees are outrageous I have credit cards for XXXX XXXX store and other credit card stores and I have never ever been charged {$490.00} for fee these are sticker shock fees these fees are unfair to the unexpected consumer I never ever expected to have such big outrageous fees I was told I would have a one-time application fee and I was told that a little intrigued will put on for the fees like {$10.00} or {$15.00} not {$500.00} fees that's more than the product and the purchase I was trying to make a purchase and pay it off when I agree to this contract I had no ideal that the fees would be so outrageous it unfair to the consumer 8 months 8 months = 64 {$73.00} 8 months = {$580.00} {$73.00} 8 months = {$580.00} = {$1100.00} - {$180.00} this what will go on the bill after 64 months = {$980.00} is the fees and the original purchase price of the washing machine and dryer is {$1100.00} - {$180.00} is applied to the bill 64 months I will still owe {$1000.00} EST. 
The washer was {$440.00} the warranty was additional {$110.00} in the dryer the dryer was {$440.00} and the warranty {$110.00} I was not in no way aware of paying {$500.00} on fees on a {$440.00} wash machine and put in a position where I could never afford to pay for the product because the fee is more than the product an unfair to the unexpected customer sincerely yours dissatisfied customer
I attempted to speak to a Transunion customer service rep and they would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In XXXX, 2015, I replied to an advertisement on XXXX about lowering my student loan debt. The advertisement was initially from XXXX XXXX. I then learned that a company called Equitable Acceptance Corporation would be servicing my loan and making the payments to XXXX XXXXXXXX XXXX on behalf of me. Ive learned that Equitable Acceptance has not contacted XXXX XXXXXXXX XXXX, and is taking money from me that does not benefit me. I have made payments to Equitable Acceptance for over 3 years. XXXX XXXXXXXX XXXX has told me they NEVER require students to pay another company to help with lowering interest rates and monthly payments. I have learned that there is a class action lawsuit against Equitable Acceptance for fraudulent activity.
I received a default on mortgage, for months XXXX XXXX and XXXX XXXX, payments. The default amount does not match the amount per my accounting records ( per my mortgage modification ). I would like an accounting statement for years XXXX XXXX to the present day XXXX/XXXX/XXXX. Please include our monthly payment ( per the modification agreement ). Also, please indicate current payment amount, when and by how much the payment has changed within timeframe, clarify any fees incurred with date, and disclose all tax and insurance disbursements with date. Finally, please include a complete accounting disclosure of the " unapplied funds '', since acquiring this loan as Greentree Servicing in ( XXXX ). I plan on having this default reviewed by my attorney. I do not trust this mortgage servicing company is acting in good faith, and transparent accounting is not available through their website.
Transunion deleted XXXX XXXX for {$160.00} because the company agreed to it. Now it has been re-reported. The debt is not mine. In addition, Transunion is reporting credit inquires that do not belong to me and do not constitute fair use. I have had XXXX credit pulls in 2015. There should be no hard credit inquires on my report from 2015. This is harassment.
bank of america is reporting on my credit report an " education '' loan or XXXX opened in XX/XX/XXXX. it is being reported on a monthly basis as a derogatory account ( charge of /profit and loss ) yet theres a past due amount reported monthly. ive called bank of america spoke with their fraud department 's representative XXXX and a XXXX in their customer service unit XXXX in California. XXXX gave me a confirmation number of XXXX for a research request. I also went in person to a Bank of America Home loan stand alone location in XXXX, Maryland today XX/XX/XXXX no one has been able find this account being reported on my credit report. my student loans were all federal student loans through the dept of education. they are current, paid on time. im trying to buy a home and my mortgage lender wont move forward because bank of america is reporting with a past due balance. ive tried to validate this debt and dispute this through the bureaus. bank of america is listed on the credit report with an address of XXXX XXXX, fl XXXX telephone XXXX account number XXXX yet no one can find this account number or find this loan through my social security number. experian states that due to the age of the account it should not be reported on my credit report but its done monthly with a past due balance
Equifax security leak resulted in my personal information being compromised including SS number, addresses, relatives, cell number, etc.
XXXX, has not credited my XX/XX/XXXX payment. I have sent them numerous " proof of payment '' from my bank.I have never been late with a payment since doing business with them. I did, however short them in XX/XX/XXXX and XX/XX/XXXX because I did not realize they had raised my house payment amount. Which I sent to them in XX/XX/XXXX ( the shortage amount plus a late fee. ) One day they say : not received XX/XX/XXXX payment and sometimes they make it a current like XX/XX/XXXX. NEVER HAVE I MISSED A PAYMENT OR BEEN LATE WITH A PAYMENT!

this process has been ongoing since XX/XX/XXXX. The complaint file # they have for me is XXXX. They ask that I use this number when inquiring about this issue.
Trans-union has not made any attempt to update my credit report ( which was in doubt ONLY because the hospital had the wrong address for my daughter ). I first filed a dispute on XXXX XXXX when the debt was cleared. They refuse to acknowledge the initial dispute and are causing financial harm to my family by inattention to basic service of credit reporting. Then they try to sell me products at every turn. Shamefull
We have closed the collection with XXXX group and paid the bill in full on XXXX XXXX, 2015! We have contacted the company and they still have not taken it off of our report!
American Express green card interfered with my mortgage refinancing. American Express deceptively solicited a credit card which is not a credit card it is a charge card. It should have state it is a charge card on the card. When I applied for mortgage refinancing American Express requires the card to be paid off in full and cancelled. It held up the process. I had to take on additional credit from a real credit card to pay off the balance. This all delayed the process causing even more headaches. The refinancing did not end up going through and my credit cards are in charge off status.
Shellpoint Mortgage Servicing has failed to send statements/bill notices on XXXX occasions, once in XX/XX/XXXX, and again for XX/XX/XXXX. They are unavailable for contact by telephone, and have the usual convoluted call director that ends up on a " forever '' hold. They do n't accept online payments. It is my suspicion they are trying to set up some additional fees by charging for late payments. We had a similar problem prior to our HARP II refinance with XXXX Mortgage.
I signed up for Paypal credit years ago and never had a problem adding a debit card or bank account to my paypal account so I could pay my bills but 2 months ago I attempted to add a debit card/bank account to my paypal account and it wouldn't let me I do not have phone service so I contacted support via their secure message center [ which they told me isn't secure despite it saying it is ] that kept giving me a never ending response that I have to call them despite no phone service. I would have been happy enough just to get an address to send a check too but they purposefully have been dragging this out to get more money from me as of right now they have charged me : XX/XX/XXXX {$2.00} Interest charge XX/XX/XXXX {$2.00} Interest Charge XX/XX/XXXX {$27.00} Late Fee Despite me contacting them directly telling them I just want to pay my bill and their making it impossible I don't understand why else a company would deny their customer the ability to pay their bill unless they were doing it on purpose
have a lot of unauthorized charges.  Discover Card is  determined to charge me for these things I 've never heard of. There is no " documentation '' that can possibly exist that I made these charges because I did n't. I 've never been to any of these places. I did n't buy anything and did n't receive anything.        XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  NM {$54.00}  XX/XX/17      XXXX   XXXX   TX {$38.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX  NV {$41.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  NM {$54.00}  XX/XX/17     XXXX   XXXX   XXXX  AZ {$57.00} I figure my identity was stolen.
I have submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting   XXXX   on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my account.
On XX/XX/2018 I pulled my credit report from credit check total. To my surprise I stumbled upon 3 Bankruptcy Accounts reporting in public records. So I wrote a letter to the Bankruptcy Court In Illnois informing them of the inaccuracies of these accounts reporting on my credit file. And on XX/XX/2018 The Bankruptcy Court Of Illnois informed me that they do not provide information to the credit bureaus. So on XX/XX/2018 I wrote to all three credit bureaus informing them of the letter I received from the Bankruptcy court of Illnois stating they do not furnish information to none of the three 3 credit bureaus. And on XX/XX/2018 XXXX removed all 3 Bankruptcy accounts from my credit file. I recently checked my credit file an seen that Equifax had removed the Bankruptcy from my credit file between XX/XX/2018 and XX/XX/2018. And then Equifax added the bankruptcy back to my credit file between XX/XX/2018 and XX/XX/2018. In  accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify e in writing within 5 business days. I received no notification. This is a very serious violation for Equifax. XXXX have yet to respond to my letter I sent certified mail on XX/XX/2018 in which certified mail states they received my letter XX/XX/2018. I herby demand that you immediately delete the items from my credit report. Bankruptcy Reference # XXXX Bankruptcy # XXXX Bankruptcy # XXXX
Under CFPB case  XXXX ,   XXXX   XXXX   informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided   XXXX   XXXX   a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission.   XXXX   XXXX   informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (   XXXX    ) which was received by   XXXX   XXXX   on  XXXX   XXXX , 2017.
Midland Credit management and midland funding falsified documents to the judge on my daughter who have a XXXX and stuck her with an enormous debt. and levied her bank account and removed her XXXX funds. Now she has no meds and I am struggleing to pay for her medical bills and medication until we can get a date were the judge can see her exemptions. I tried to negotiate with them but they just gave me the run around. Prentending they did not understand what I was calling for or the attorney I was calling for. They pretened they did not know. XXXX XXXX XXXX Division Manager of Consumer Support Services would pretend he was not the manger several times. They would even send me mail in envelopes with no markings to deceive me from court appointed hearings. Never wiiling to verify the amount truly owed. Until they place a judgement on her. All still refuse to do so.
State Farm Bank whom I had an home equity loan with once I paid the loan down to % 20-25 in late lump sum payments I told them I would receive and did from XXXX XXXX XXXX benefits. After the 1st portion of the settlement and 1st payment I was sent to credit reporting agencies for the reminder ( the % 20-25 ). 
Since being reported and I believe that they wrote the debt off filed claims or taxes on the debt Years later I have received threats of foreclosure for the whole original debt of the entire loan. 

S.o.s.
I leased a Mercedes-Benz C300 vehicle from Mercedes-Benz of XXXX, XXXX, in XXXX XXXX. At the same time, I returned my prior leased Mercedes-Benz C300 vehicle ( a XXXX model ) to the dealership. The XXXX car was registered in XXXX and, accordingly, bore XXXX license plates. ( I moved from XXXX to XXXX just a few weeks before starting the new lease ). The sales consultant with whom I worked assured me that the license plates on the XXXX car would be dealt with appropriately when I returned the vehicle to the Mercedes-Benz dealership. 
However, several months ago, I received a bill from Mercedes-Benz Financial Services for nearly {$900.00} in taxes owed to XXXX XXXX, XXXX, because the XXXX DMV never received the plates. I have called and emailed the dealership repeatedly since that time to attempt to figure out where the plates are so that they can be returned to Connecticut, to no avail. I believe that Mercedes-Benz Financial Services has also attempted to contact the dealership. Mercedes-Benz Financial Services claims that I owe them for the {$900.00} they spent on the XXXX XXXX tax, even though I no longer lived in XXXX when the tax was assessed, the car should not have continued to be registered in XXXX, and Mercedes-Benz Financial Services should therefore never have paid the tax bill.
Navient calls me between 5-10 times a day regarding late student loan payments. When requesting forbarrence I was told there was a large fee for this than the amount currently owned. I feel I was steered away from help and forced to pay when I can not afford to pay at this time. I was out of work laid off for 7 months and still getting back on my feet. When I told navient this they told me the co signer needs to pay. The reps and managers are extremely rude, condescending and disrespectful. They do not try to help but force payment.
The XXXX XXXX  popped up on my credit report on XX/XX/2018. Its says I have an account that was opened with XXXX XXXX XXXX on the same day in the amount of XXXX. I have tried to call the company to see where the account came from but all I have gotten since calling is only music playing. This has dropped all of my scores on my credit report by 42 points and I'm trying to by a home. I have never had an account with XXXX XXXX XXXX. Please help me. I have looked them up online and it says the company is a scam. Please help me. This has set my family back. Thank you.
I have an account on my credit report that does not belong to me. I disputed this with Transunion and they reported back 3 days later that it does belong to me. It usually takes up to 30 days which seems to me like they did n't even attempt to look into this. When I contacted the company XXXX XXXX via phone and chat they could not verify the account because they did not have my correct date of birth. I know that this is not my account and I want a complete investigation done and this to be removed asap.
i asked from the collection company to provide me the contract they have for XXXX, with my right name and my SSN on the contract, they refused. 
when i asked from them to varified with me the information on the contract over the phone, the lady i spoke with her she insisted 3 times that my correct name on the contract with SSN. i asked from her to read for me the name on the contract, she read it wrong and when i asked form her to read my SNN on the contract, she said there is no SNN on the contract. 
so how they reported me based on the contract they claimed that belong to me if the name on that contract does not match my name and they have not even my SSN on the contract.
I initially started the mortgage process with XXXX and todays before closing XXXX called me and informed me that they had made mistake, and I needed touring an additional {$28000.00} to closing. I spoke to numerous supervisors within XXXX and no one could explain to me what had gone wrong. All they said was that I needed to get the money. 
we closed in XXXX XXXX, XXXX. And my mortgage payment was {$3000.00} now were in XXXX XXXX and Nationstar is now handling my mortgage. And my mortgage payment has increased to increased to {$4300.00} I contacted Nationstar and there response was that XXXX made an error and they would reach out to XXXX and they would contact me once they gotten answer. However that was my new payment. Im a XXXX veteran with a full time job. Thats an increase of {$1200.00} I simply can not afford that. Nationstar has not called me back. And I 'm in fear of going into complete financial turmoil. 
I would 've never agreed to a mortgage payment of {$4300.00}. 
I paid everything I was supposed to. And i feel like I was deceived or they simply do n't know what their doing and they are not being held accountable for ruining peoples lives. 
XXXX and Nationstar mortgage have all the Truth in lending contracts, closing paperwork, as well as all my personal and financial information.
I submitted dispute letters to XXXX, XXXX, and XXXX on XXXX/XXXX/XXXX regarding a collections acct that I did not recognize and did not receive a credit report showing investigation results or any other type of correspondence letting me know the status of the items that I disputed.
THE COLLECTION AGENCY IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS CHARGED OFF BY THE ORIGINAL CREDITOR IN 2005