WillisBack/dataset-financial-user-claim huggingface dataset:
I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XXXX XXXX charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once inXX/XX/XXXXand once inXX/XX/XXXX. 
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter datedXX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date inXX/XX/XXXX 
I applied for a mortgage loan inXX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed. 
XXXX was contacted via USPS and via CFPB, according to XXXX they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that "XX/XX/XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.
1. On XX/XX/2018, a purchase was made in the amount of {$160.00} for a defective medical device. I returned the unit via USPS and provided a copy of the email from the company and a receipt to Wells Fargo. On XX/XX/2018, Wells Fargo deducted the amount previously credited and did not notify me in order for me to preserve my rights and dispute fraudulent allegations from the merchant. Hence, I have not received a replacement device or a refund. Merchant fraudulently presented a receipt stating no refunds, exchanges only. If that is the case, why have I paid for something I do not have? I have not received the item and Wells Fargo took {$160.00} from me, their customer without informing me. Wells Fargo upheld a scam involving me as their customer. I am appalled and need resolution. 

2. Wells Fargo did the same thing addressed above and did not inform me. After a provisional credit from XX/XX/18, Wells Fargo took the money back out of my account on XX/XX/2018, without informing me, causing problems with my balance. I was told to expect a letter within 10 business days. Again, this occurred several months ago and I wasnt informed that money would be taken out of my account.

3. There was a {$1400.00} withdrawal by Wells Fargo, reversal of excess credit on XX/XX/18, I was not informed of this withdrawal. 

4. There was a {$43.00} withdrawal by Wells Fargo, reversal of excess credit on XX/XX/18. I was not informed of this withdrawal. 

6. There was a {$86.00} withdrawal by Wells Fargo, ATM reversal. No explanation given for this shift. 

I have been the victim of fraud and abuse and Wells Fargo is upholding the fraud and causing unbearable financial distress to its own longtime customer. Their practices are not fair and a customer should be noticed and given an opportunity to address their rights in a timely manner. In each one of these instances, several months have elapsed, essentially voiding my opportunity to dispute. Further, my evidence has not been taken into consideration at all by Wells Fargo. I presented my dispute, in writing and by phone call. These deceptive practices must stop. In good faith, I spoke to 3 representatives at Wells Fargo, the last one was XXXX in the Claims Assistance Center. I was told, you lost and theres nothing that can be done. I told XXXX that I would escalate further and he told me to do what I needed to do. I have lost money, although I in good faith disputed products and services not received. I am still in receipt of my documentation in each of these matters. Wells Fargo should always contact the customer prior to withdrawing/charge-backs.
On my XXXX credit report there is an account titled XXXX, account number XXXX that was sold to a company titled Debt Recovery Solutions, account number XXXX. This account was paid in full on XX/XX/2016. I attached a recent copy of my credit report that shows this in addition to paid in full letter from Debt Recovery Solutions. I have contacted both companies many times to get this resolved, but have been unsuccessful.
Bank of America gave me a fee for being over extended for a period of time, but I was n't over drawn for an over extended period of time. I contacted them and they agreed that I should have not been received that fee, but they could not remove it. I get paid on XXXX but they wont recognize the payment until Monday, even though its from their bank and they send it Thursday. I do n't make enough money to hand it away to a greedy bank who looks for ways to XXXX over its customers
Selene Finance continues to try and conduct an illegal foreclosure to cover up the errors made by their own agents. I can document this information and am currently dealing with the legal department at XXXX XXXX in an attempt to straighten this problem out, but am facing a foreclosure sale date of XXXX XXXX. Selene Finance continues to insist that I received a deferment on my loan in the past, thus I am not eligible for another or for any options. This is false. In the spring of XXXX I applied for a loan modification from XXXX XXXX, who was the servicer at the time. I explained that my ex-wife was on the note, but she had deeded over her interest in the property. They said she would not need to sign the modification as long as I sent them a copy of my divorce decree and her deed of trust. I did this and they received them. They never asked for nor received any financials from her. They set up a modification plan and told me I needed to pay the payment for 3 months to show I could afford it. I did this and they told me I needed to keep making this payment until they got the final paperwork done for the modification. This took 2 more months and I made 2 more payments. When I received the final modification documents they had my ex-wife 's name on them as a co-signer. When I called to tell them this they said I should whiteout her name and sign the documents. I did this and made 1 more payment, and then they called and said the modification could not go through without her signing on it. She refused to sign and so the modification was canceled. When Selene took over the servicing and started the foreclosure process I asked why the almost {$9000.00} in payments had not been credited as payments and they said since the modification did not go through these were not considered payments and Selene Finance just kept the money. Not only is it unethical to accept payments and fail to apply it to my account, it is illegal. XXXX XXXX agreed on a modification, then went back on their word and took it away. The servicing was transferred to Selene Finance and they kept the almost {$9000.00} in payments and refuses to give an accounting of these funds or apply it to my balance.
Then Selene Finance tells me one of the reasons I am being turned down for a loan modification is because I already had a deferment on this loan. This is just one more reason Selene Finance should be required to give a modification and be punishedI am not surprised, since Selene Finance has already been fined by the government for unethical behavior. Selene Finance has repeatedly tried to set an auction date. I sent all of the required paperwork in, but they said they would not review it because it came in too late. At this time I am trying to work with the foreclosure law firm for Selene Finance, but dont feel good about it and am concerned they will sell my house out from under me, even though I clearly qualify for help and was misled by the agents at XXXX and Selene Finance
ex-niece with same name but differint birth dates and age and address getting bad credit score for her and her husband XXXX XXXX and XXXX other XXXX XXXX credit companys need to check birth dates, and social security cards more closely instead of running others credit so they ca n't get housing, car, insurance rate is higher ect. ex nephew went to jail jumped bail bound I get subponea to court when it had nothing to do with me and is on my credit report, credit cards, apt XXXX damage ect on my credit report because of them!!!!!!!!!!! Please check birth date and SSI #!!!!!!!!!!!!!!!! I 'm XXXX Not in my XXXX And not in my XXXX Thank you
on XXXX/XXXX/2016 I submitted a {$25000.00} payment to Ocwen for a principle prepayment on loan XXXX. They used {$1000.00} to pay my regular payment which I did not instruct them to do. I want the payment reversed and credited as I directed all to principle payment and my payment of {$1000.00} made on XXXX to my XXXX payment. 
Ocwen is a predatory mortgage servicing company run by thieves.
I had credit card account at Capital one Bank, I paid the bill, which they charged me interest on my interest. However, I closed the account. They keep reporting the account as open to the credit bureau. I want it closed and removed from my credit report. They are like working with used car salesmen, very XXXX. XXXX shows it closed but XXXX shows a closed account and an open account.
According to my recent credit report I have an account in the amount {$1000.00} from XX/XX/2015 placed in collections I was not aware of. I have tried to work out the problem with the company informing them I was not a member of their company and belong to their competitor. Also, I had not receive any information regarding the problem in a timely manner to activate a dispute.
Per  XXXX  this account in on my credit report. It is connecting to a name that does not belong to me.
Today, XX/XX/18 around XXXX XXXX I called Paypal credit to inquire about a late charge on my XX/XX/XXXX statement of {$38.00}. A payment of XXXX was due by XX/XX/18. I routinely pay {$60.00} every two weeks for a total of {$120.00} per month. I paid 120 for my XX/XX/XXXX statement when {$100.00} was due and was still charged a late fee of {$38.00}. The initial clerk could not explain why this happened and forwarded me to a supervisor named XXXX ( no sure of the exact spelling. ) She refused to remove the charge and would not listen to what I had to say. I am happy to provide you with a copy of the statement. 
Thank- you XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX
In  XXXX  of   XXXX   I received a letter from the Georgia Department  of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency. I recently observed that Experian is and has been reporting third party information as being valid on my credit file.   I have requested of Experian to Please validate this information with  XXXX   XXXX   XXXX   Court and pro vide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.   The information is not valid that is being reported on my Experian  Credit File.
I had a balance with XXXX and it was paid through XXXX my account was supposed to be removed from diversified consultants system by XXXX and deleted from my credit reporting. My account is in good standing and I am a current customer and diversified consultants does n't have a right to report this account. Diversified up dated my credit report XXXX/XXXX/17 to reflect closed and XXXX balance and this account should have been removed entirely then they went back and updated my account after XXXX/XXXX/17 reflecting open with a balance. This is inaccurate reporting and needs to be deleted from all three credit bureaus. Attached are the reporting errors and the receipt of payment with XXXX.
On XX/XX/2015, My XXXX child and I purchased a used 2013 Mazda S from XXXX, Colorado XXXX. XXXX had us sign a contract with Chase Bank to finance the vehicle. The contract contained alleged fraudulent entries for options the car already had. I disputed the items and XXXX agreed to issue a new contract. However, the new contract had a different purchase price and initial payment due date than the contract XXXX submitted to Chase Bank. I place a stop payment on the down payment check and contacted Chase immediately. Chase Bank refused to accept Colorado and Federal law regarding the consumer right to know the exact purchase price of a vehicle and the initial payment due date. We tried to work with Chase to remedy the situation, to no avail. I reported the issue to the criminal investigator of the Auto Industry Division of the Colorado Department of Revenue.
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Spoke with a representative of the company who had a XXXX who stated I had an outstanding balance for a XXXX card, when I offered to make a payment on the account as part of a payment plan I informed the collection company that the balance was incorrect by {$400.00} + dollars and that I knew I only owed {$1000.00} and that is all I was willing to pay, The person who called me then informed me that they would sue me and threatened to have my wages garnished over the outstanding balance the person who called was very rude and made no attempts to work with me to resolve the issue, he kept trying to use intimidation to make me agree to terms of a payment I could no afford and told them I was unable to make the payment amount they wanted and would be willing to work out a better payment plan with them once the balance was corrected again several times later they threatened to sue me and take me to court
XXXX Reports shows XXXX Inquiry Type " yes '' that was my request and responsibility seeking telecommunications services ; therefore, Lexis Nexis XXXX. XXXX XXXX XXXX, GA XXXX tel : XXXX has made decisions on or about my credit report/ score. 

Also including payment for " CREDIT SCORE '' saying at least XXXX or 0 % which I pay for, I can not build credit score is impossible because of not have a Grade Range or having a fair chance..
I 'm complaining about Credit bureau Experian. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and every time someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Experian about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, and XXXX XXXX XXXX/XXXX/XXXX XXXX. Second dispute with Experian was one public records ( bankruptcies ) on my credit report. I spoke with a  customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the one public record again with Experian and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer  service rep and he stated that Experian never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Experian, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Experian need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a claim.
I reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If Equifax has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & Equifax ). XXXX nor Equifax didnt provide it. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX  refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.
My mortgage was transferred from XXXX bank to DITECH. I received absolutely no written or electronic notice. My monthly payment auto deduction was cancelled without me knowing. When I called to inquire with XXXX of why my monthly mortgage payment had not been taken out is when I found out about the transfer to Ditech. I called Ditech and they told me to do nothing-my auto deductions would resume in time. I then recieved notices that my payment was overdue. I called immediately to pay over the phone and was informed of a {$12.00} online/phone payment fee. This is total bull. My auto deduct will not be set up in time for next month 's payment either so I will have to pay another online/phone payment fee. This has caused undue stress, money and time. This is WRONG
Equifax has not provided me with the source of who furnished them with the information on the judgment they are reporting. I am not aware of this or who gave them the right to post this information. They refer me to the courthouse who they are saying verified and provided the info. I personally went to the courthouse with Equifax 's response to see what was going on and the clerk stated " Equifax is lying to me, their dept does not provide or verify any information to the any bureau or third-party reporting agency ''. They have this problem with Equifax all the time saying the same thing to various people and it is not true. She also told me they had a lawsuit against them for this very thing to XXXX it. I decided to look up lawsuits against Equifax after leaving and they did have a class action civil lawsuit, XXXX XXXX et al, for not properly providing the source of their info on public records and stated it was a violation of FCRA. Then I researched FRCA and found that according to FRCA 15 U S C 1681 ( g ) they have to send me proper documentation ( file info, verification methods and response ) of what they have associated with any acct ( not just verified ) and section ( i ) states it must be deleted if not properly verified. I also found section 611 ( a ) ( 5 ) ( A ) ( i ) states they can not report inaccurate, unverifiable, untimely info. If the courthouse did n't provide this info to Equifax to report in the first place nor verify what they are reporting is correct or valid how is this even on my credit report to start with? I want it removed immediately. They are the only one reporting this inaccurate, detrimental information to my credit report and it 's affecting my creditworthiness.
I have a tax lien on Equifax and tried to call and get them to take it off and tried to dispute, but am having a challenge. The lien has been paid in full and withdrawn - I 've gotten this off XXXX and XXXX. Can you help and let me know what I need to push this through? Thank you!
I was contacted by XXXX XXXX from XXXX XXXX via the phone a year a ago just a few months after graduating from college. The company was going to help me reduce federal student loans payment. I am still struggling to pay back my student loan since I am currently an XXXX  XXXX member doing my year of service. I unfortunately believe them and now I have more loans to pay instead of helping me they are adding more problems. XXXX wanted me to sign the contract immediately and pay {$49.00} a month for the service charge to Equitable Acceptance Corporations. However. I recently, I realized that I could do it through them in order to keep my loan payment at XXXX since I dont have enough money to pay for loans. They have been scamming people. They give false information. What XXXX XXXX said on the phone is very different to the contract and the contract were signed on the phone. After reviewing my credit report I notice that the service is a line of credit and not a loan. I am very disappointed that these people have taken advantage of my current situation and used it for their win. I have been paying them for nothing. Please do something about this company. They are criminals who enjoying seeing people suffer.