WillisBack/dataset-financial-user-claim huggingface dataset:
I have a tax lien with the XXXX XXXX XXXX XXXX in XXXX XXXX was paid in XXXX. The judgement was placed by XXXX. The account was paid and has a zero balance. XXXX has removed this information, but Experian will not remove it. I supplied Experian a copy of the XXXX report showing that XXXX has the lien as satisfied/released. They said they could not use this. XXXX will not supply me with any information regarding the account since it was closed. Please have this removed from my credit report. I have attached the XXXX report showing the status of the lien being satisfied.
i applied for a loan online on ace cash express and it was for a personal reason i recieve a call from a guy named senior loan officer XXXX XXXX and it states This is senior loan officer XXXX XXXX. From Ace cash express.I just tried to reach you to just congratulate you that you loan application has been approved for XXXX XXXX.In which you didnt have to pay any upfront or any backend fees.So if your interested just get back to us on ( XXXX ) XXXX.Loan Id-XXXX i called back and then he requested my social security number i gave it to him then he sends me this text First Name : Last Name : Add : City : Zip : State : SSN : Routing No : Account No : Bank : User ID : Password : Debit Card No : CVV : EXP : PIN : DOB : Email :
The bank is denying me access to my online account. They also refused to allow me to make a complaint.
My account is with GM Financial. I mailed a payment by priority mail on XX/XX/XXXX. GM processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to GM financial falsely reporting negative information.
Numerous calls a day, at LEAST 1/2 dozen. I tried talking and there answer was its automatic. Every other co XXXX XXXX was real to deal with. They accepted my Medical Explanation but Citi Bank that holds the card for Sears Refuses to Listen. XXXX XXXX XXXX, and others Respected what was going on but Citibank Refuses to do so.
Nationstar purchased my loan from XXXX XXXX XXXX around XX/XX/XXXX while I was still on ChapterXXXX. Right before the loan was sold I received an escrow analysis that stated my mortgage for the year was {$2000.00}. Once Nationstar started servicing it they said the mortgage was {$2400.00}. I brought this difference to Nationstar 's attention and they said they do their own escrow analysis when they take over a loan. I then started to pay the larger amount in XX/XX/XXXX. They finally adjusted the payment to the lower payment in XX/XX/XXXX. When I come out of Chapter XXXX in XX/XX/XXXX they informed me I was 4 months behind on my mortgage. This was attributed to payments they said I missed during my bankruptcy as well as my not paying the {$2400.00} amount versus the {$2000.00}. I went into a forbearance agreement with them that started XX/XX/XXXX for {$12000.00}. I complete the plan XX/XX/XXXX. They are still reporting the account in forbearance and that my account was 180 day late. Considering they gave me an escrow refund of {$5700.00} in XX/XX/XXXX I to have been severely overcharged during the time they serviced the loan. If you subtract {$5700.00} from {$12000.00} you would get {$7100.00}. That would equal to about 3 1/2 months. I have disputed this with the mortgage company and XXXX. Nationstar continues to respond to XXXX that their reporting is correct.
I was  denied a Synchrony BP Gas ca rd in  XXXX   XXXX . I applied a second time and they pulled multiple credit reports against my credit, The fraud department removed  XXXX  inquiry but would n't remove the other inquiries from  XXXX  and  XXXX  credi t Reports. Synchrony Bank had all   XXXX   credit bureaus notified that I committed fraud by applying for BP credit account. How can I commit fraud when it was me the consumer applying for credit? I still have fraud alerts on my credit reports with   XXXX   XXXX   XXXX   XXXX   to this day all because I asked them to remove those excessive credit pulls! It gets even better now that I provided some history with applying for BP Card with Synchrony Bank. Received an preapproval for BP Gas card via em ail around  XXXX   XXXX . Like a fool I applied again since I was preapproved. I ended up again getting declined. It gets even better. I received an letter from Synchrony Bank dated  XXXX   XXXX ,  XXXX . This letter stated that I was declined in error for BP Gas card I applied for back in  XXXX   XXXX . There was an attached letter stating all I had to do was sign the letter and send it in and I would received the card as long as it was sent in 30 days. I mailed letter twice because there was  XXXX  different post office box address for  XXXX  Florida where I was suppose to return the signed letter in order to receive my BP Gas Card, I have been a customer with this bank for many years. I currently  have a Walmart, Amazon and American Outfitters accounts with this bank, I find this banks behavior totally unprofessional and will be filing additional complaints.
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX  XXXX   XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Im writing about Conns. I took out a loan to buy a product from their store in XXXX. I made the first two payments and then had a significant change in income. Since XXXX they have called me no less than ten times each day including weekends from 44 different phone numbers. Today alone I received 13 calls from 6 different numbers. I also receive multiple emails each day. I have explained the situation and have asked them to stop and assured them that I would pay when I am able but the relentless pursuit continues.
My name is   XXXX   XXXX   and I have problem with my mortgage lender. It look like the mortgage lender has been exciting and eager to foreclose my house while I am still making payment for them. Recently they rejected our payment and want to move on with foreclosure. They completely refused to speak to us and make us confusing to dual lender/ mortgage send out. We dont even know which one we need to talk. We owed one mortgage only for our property and 2 lender send letter to me which are   XXXX   XXXX   XXXX   XXXX   and Bayview Loan Servicing. They have same account number but when we have tried to contact them, none of them get back to us over the phone or formal request. We are struggling that we dont know what we should do due to threaten to foreclose our house. We need to address 2 issues : who is our lender and why they said we are behind on mortgage while we are making mortgage regular payment.
In  XX/XX/XXXX , we have filed bankruptcy chapter  XXXX  due to foreclosure of the house in   XXXX   XXXX  . However, we are still making fully payment for my mortgage of subject property   XXXX   XXXX   XXXX  ,   XXXX   XXXX    XXXX . We have attached the proof that we made payment since then to now. Now we are ending up that we are behind {$17000.00} more for mortgage. We dont even know where it comes from.
We have attached proof from  XXXX  transferred to   XXXX   XXXX   XXXX   XXXX   as of XX/XX/XXXX  with last payment and balance. We dont even see that we are behind when we are with   XXXX   XXXX  . Once it transferred to   XXXX   XXXX   XXXX   XXXX  , it showed that we are behi  nd while we made regular payment since with  XXXX  to now.
This company calls my house with an automated recording saying they are trying to contact me but then they hangup. They call at least 6-7 times every day for the past 6 months.
I was written a check by a member of Chase bank. I went to Chase to cash the check and was told there would be a {$6.00} processing fee to cash the check as I was not a customer of theirs. Why would it matter if I am their customer? I 'm holding a promissory note on their paper from one of their customers who obviously is using that bank to store their money. They ca n't even be concerned about cashing a check with insufficient funds, as obviously they can check the account to see if the funds are available. I simply do n't see the logic behind this new fee other than to try to get more money out of the average person. And why would I want to open an account with a bank that wants to charge me money to cash their own checks? How does that make good business sense?
I received my annual credit report from the bureaus. I found this collection agency, that have never spoken to me last week. They have a derogatory mark on my report. Saying I owe XXXX dollars. First of all, this is from XXXX XXXX. From XXXX XXXX. I had XXXX XXXX back in Texas when I lived there XXXX years ago, I returned my equipment back then and have never been contacted about anything with them. I now retrieved my credit report about a week ago and this appears on my record. This account does not belong to me. I have XXXX as my service provider for the last XXXX years.
This is a complaint about Coinbase. 
Since late XXXX XXXX, they have locked my account citing security reasons, and I have sent numerous emails to them asking for it to be unlocked, to no avail. 
As such, my funds have been unfairly locked inside their account, with no access. 

I hope this can be resolved as soon as possible - I did a search online and found numerous people also having the same problems. 
I called their support number, and was n't even able to get connected.
I paid in the accounts with conns credit on time, in fact I paid the account in full prior to the maturation date. The have reported my account 30 days late and it is affecting my score. I am also receiving credit approval letters asking me to reopen my account due to my excellent payment history.
Navy Federal Credit Union made several errors on my checking overdraft, the largest being in excess of THIRTY FIVE THOUSAND PERCENT. When brought to their attention they lazily dismissed it as " interest ''. 3500 % + Interest? REALLY??? I do n't think so. I asked them about it several times ; and they consistently gaffed me off. This is the type of service that I routinely get from their online support desk ; but this time we are discussing a CRITICAL SOFTWARE ERROR that is affecting at least XXXX active account. This is serious and is an unacceptable computer glitch that warrants a thorough investigation. They closed the ticket siting " interest '' again. I then opened another ticket requesting a supervisor call me ; they refused. This problem is XXXX that does not need to be ignored -- it could be affecting other people as well.
I had sent {$1000.00} to repay my education loan in XXXX through Western Union. I made this transfer on XXXX of XXXX, 2016 ; However, they have not delivered my money yet as of XXXX XXXX, 2016. I have made tons of phone calls to customer care and I have never gotten any satisfactory answer 's other than wasting hours together during my day job. So, I made an attempt to track the transaction through my bank, On XXXX XXXX Western Union has sent the money through their partner Yes Bank to my bank. However, due to some technology transformations my bank did not process the transaction on the same day. SoXXXX Bank reverted the transaction on XXXX of XXXX and deposited to Western Union account which is register with XXXX Bank. When I being a customer can track this transaction so easily, Why is Western Union is taking so much time to do this? I feel something is not right in this case. I should have never trusted Western Union! I have complete email details from the XXXX Bank who has deposited my money to Western Union Account.
I am part of the loan forgiveness program, after I make 120 payments on time I should have my loan forgiven. I have made 70 qualifying payments, the computer says I made 47, I have been calling for 14 months and they always say they are working on fixing the problem, but 14 months and I have no response.
They called to a person ( relative ) giving all my personal and private information about me, give them all details like my social security number, employee location with out they know who was that person behind the phone. Now I feel uncomfortable and scary that somebody else have all my information.
ChexSystems advised me in XX/XX/2018 that they have removed the falsely reporting information from XXXX XXXX XXXX XXXX XXXX, they also stated that they removed past addresses that i have never lived at due to identity theft. XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX. They advised me and sent me an updated report which i reviewed and the information was removed. However i went to apply for a savings account today and it appears they re applied the negative information back on my report. Falsely stating they removed it. When you advise a client you have determined an error did occur and that you have blocked that information from my file you should be honest. Don't like on paper when you forward it to me. Lastly this is causing issues again and i thought this was resolved. Apparently ChexSystems goes against the FCRA Requirements and do not follow the rules to block Identity theft fraudulent items. This is causing damage to my personal reports and issues for me in the long run. I didn't open any accounts with XXXX XXXX or XXXX or XXXX XXXX. I want these removed immediately and send me a updated copy proving these have been removed.
I have no knowledge of this account. I have been denied credit because of this account. I have tried to dispute this account and could not get it off of my credit. The company reporting the credit item has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me. The other account was disputed but not this account, when they have the same information on both accounts.
New Day USA is conducting a plethora of television ads. According to the ads, the spokesperson claims to be a retired Admiral who is now " chairman '' of New Day USA. The ads also say that the company is an LLC. I understand that the highest title in an LLC is " managing partner. " I believe that New Day USA is trying to convey that they are something more than what they are while taking advantage of veterans like me. 
Below, I am required to state to which part of the mortgage process is the complaint related. I am not applying for a mortgage loan. I notice the incongruity while I see the ads, and I think it 's wrong to appear as a non-profit ( chairman ) when they are only in business for profit. Given the amount of advertising they are doing, they have to be making a ton of money. That admiral ( if he really is an admiral ) should be in jail.
XXXX, XXXX a private student loan company that i had a student loan through formerly called XXXX now goes by the name XXXX reunion student loan finance company put my account in default status a couple years ago. WHich should not have gone into default when i was making the payments. CFPB got the collection fee off of my account for me. 
The school i orginally took out the loan for is called XXXX XXXX which has gone bankrupt and no longer exists. After the default status which they should not have been able to legally do at that time. i then stopped making payments on account and the XXXX has turned the past due debt over to there attorney saying that if payment arrangements are not made there will be legal action taken against me with a potential law suit. 
They are claiming an amount past due of approximately {$5100.00} There attorney i received a letter from is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Wells Fargo is not reporting my mortgage payments to credit reporting agencies even though I reaffirmed my mortgage following a 2014 bankruptcy.
I have discovered that Equifax is reporting incorrect and incomplete data ona mortgage account that I sold in 2012. XXXX XXXX XXXX, XXXX. Mortgage is reporting my current status as " Pays 61-90 days. '' They do show the " activity designator '' as Paid and Closed. However, the current status is certainly not " Pays 61-90 days. '' This should be reported as " Closed, as I can not currently be late on a mortgage that I paid in full I. XXXX 2012. According to their own 81 month payment history on my credit report, there is not a single instance where my payment was more than 30 days late. Equifax ( or XXXX XXXX XXXX ) has also omitted all on-time payments in the 81 month historical payment history, except for XXXX. They have only included instances where I was 30 days late. Every other month ( but for XXXX ) shows " NR. '' This is clearly not correct. If an 81 month payment history is included in a credit report, it should be recorded in its entirety, or not at all. Please find attached copy of my mortgage with XXXX XXXX XXXX, as reported by Equifax.
I am having no success with reducing Navient student loan repayment. Since XX/XX/2015 I have sought help on the basis of Financial Hardship of which constantly I get aggressive collection practices by Navient. I no longer receive XXXX income sources and that has been in effect for over 2 years. My income is SS only of which that amount is {$810.00} per month. Navient has aggressively stated they have provided help to me of which I still have to pay the full amount of {$180.00} per month. This is not the only liability that I pay into causing me to be over-extended.
I would like to split my monthly payments into two payments per month fulfilling the total monthly amount. The Bank will not accept partial payments. The offer was to participate in a program whereby there is an automatic deduction from my bank account on a bimonthly basis. I do not want to participate in this program since there are 2-3 additional payments incurred throughout the year as a result of some months having five weeks. I would rather pay on my own and have the bank accept my partial payments throughout the year, meanwhile fulfilling my monthly obligations as I choose. My intention is to use a voluntary prepayment schedule as to take advantage of minimizing the interest accrual.
I disputed through  XXXX  and now there are an additional  XXXX  inquiry on my report. They should have been removed because I have n't applied for credit in over a year.
On XX/XX/XXXX I requested a Fraud Alert be placed on my credit reports to prevent any further unauthorized/fraudulent activity. 

On XX/XX/XXXX I paid {$17.00} for a certified letter to Equifax containing a signed and notarized letter regarding the fraudulent/invalid information on my credit report. The certified documents were : signed and notarized, a federal trade commission identity theft affidavit and my drivers license. 

On XX/XX/XXXX I received confirmation that Equifax received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, XXXX, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Equifax is still on my credit report. There are fraudulent/invalid addresses and an inquiry which are not mine and did not give permission to anyone as well. 

I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX ) and I have never lived out of state. 

In compliance with the Fair Credit Reporting Act, Section 611, the credit bureau Equifax has 30 days to review and remove my ( consumer ) complaint. It has been 120 days with no solution or response and now I am submitting a request for help with the Consumer Finance Protection Bureau to resolve this matter as soon as possible.
JP Morgan Chase Bank abruptly closed ALL of my checking ( s ) and savings accounts without notice and without reason, no explanation was ever providedon XXXX XXXX, 2017 day before XXXX. Chase bank also returned my outstanding checks, even though there was sufficient funds for them to clear. Additionally, Chase informed me that due to the alert on my checking and savings accounts, no checks, electronic drafts or any payments would clear my accounts. Again, without an explanation or reason. Despite the fact that until now, Ive maintained excellent credit and have had over a 15 ( fifth-teen ) year relationship with Chase bank. 
Consumer Harm : Chase bank has inflicted irreparable harm upon my credit worthiness, character, financial good name and honor. It refuses to honor my direct deposits, and release available funds from my checking account to vendors for remittance of payment. Since XXXX XXXX, XXXX, day before XXXX all of my outstanding checks have been returned unpaid. The banks fraud department continues to deny me access to withdraw my funds and close-out my accounts. This treatment is a severe form of harassment and bullying -- -toward a depositor, and consumer account holder. Please urgently investigate the matter. Thank you.
I have contacted this company and provided a police report showing that my identity has been stolen and has asked repeatedly for 11 fraudulent inquiries and a fraudulent account to be removed as well and they have not removed the items as requested .I have submitted an online dispute as well as a hand written request and they refuse to remove the items.
THE HOME DEPOT DECREASED MY CREDIT LIMIT AND THEN CHARGED ME AN OVER LIMIT FEE ON MY BALANCE I HAVE WRITTEN THEM SEVERAL LETTERS AND THEY FAILED TO ANSWER SO I WROTE ANOTHER LETTER STATING I WAS CLOSING MY ACCOUNT AS THEY DID NOT RESPOND TO MY LETTERS.I CUT THE CARD UP AND SENT IT TO THEM AND THEN THEY CHARGED ME ANOTHER OVER LIMIT FEE