WillisBack/dataset-financial-user-claim huggingface dataset:
I received a statement from XXXX XXXX XXXX on XXXX/XXXX/XXXX for a medical debt owed. I paid the debt in full on XXXX/XXXX/XXXX via the XXXX online payment portal but I continued to receive numerous calls requesting payment. I spoke to XXXX in customer service who advised me to fax over the receipt which I did on XXXX/XXXX/XXXX and she advised that my account would be updated in 1 - 2 weeks. Approximately 1 month later I received a letter in the mail from a debt collector for said debt. I sent proof of payment to the debt collector and contacted XXXX who advised that my account was still under review 1 month after I faxed over to them their system generated receipt as proof of payment. I informed the customer service rep that their error may now impact my credit and she said nonchalantly we 'll look into it and get back to you. I still have not received an update so I will be calling back.
This is the 5th time I've tried to fix the status of my Car Loan Account. Even though, credit reporting agencies asked XXXX XXXX XXXX XXXX to validate information and XXXX XXXX XXXX XXXX stated it was correct, when delinquencies weren't. 
I finally received a letter from them saying my account will be updated within 15 days from all credit reporting agencies. Please, I lost 75 points the first time the late payment occurred. I would like to get my 75 points back since my account finally had been brought back to current due to a misunderstanding. 

Attached letter from XXXX XXXX XXXX XXXX.
Nartey Law group failed to disclosed verification of a credit card debt, failed to give proper notice of a judgement XXXX county court. I XXXX XXXX XXXX was not served a notice to appear in the above court.improperly double the amount owed
debt collection remaining on credit report after 50 days dispute process, violation of FDCPA, credit reporting on all XXXX bureau, disclosure of verification
I was attempting to assume a mortgage loan from my father for a house from Chase bank. The loan in question is roughly {$86000.00} and I have a credit score of XXXX and an income of {$XXXX} per year with quarterly bonuses and only small debt in the form of student loans. I submitted all information requested by Chase only to be denied on a small technicality. I am recently divorced and, after my separation, I was fortunate to be able to live with a close friend as I figured out what my next step was. During one month, I purchased season football tickets and sold XXXX of the tickets to my friend. He then discounted my rent for that month. After giving Chase all my financial information, they questioned why I had a month that was less than my agreed upon rent ; I explained what happened and offered my friend to submit a notarized document stating I paid him. Despite these efforts and all the work I put in on getting the appropriate information to Chase, they denied my loan citing " Delinquent past or present credit obligations with others ''. This is patently false and they refused to allow me to provide documentation stating so. The account representative that was so difficult to work with is XXXX XXXX in the Assumption Department
I sent several certified mail in XXXX of 2017, Ive filed several complaints within the 6 months for this particular account. I havent gotten no response. Im fed up, Ive asked to prove how both TransUnion and XXXX XXXX XXXX were able to verify this account XXXX accurately before placing it on my credit file as an error. By law you cant verify an account without original documents. FCRA Section 609. I repeated that Im not aware of the account several times and Ive been ignored so whats left is to take legal actions against TransUnion XXXX XXXX XXXX XXXX. You will be contacted by my lawyer and the attorney generals office about this account. It has caused great pain and suffering to my life. I will make sure this matter is resolved within the next month.
Recently there was a problem were inquiries were removed then added again. Some of mine were deleted then added again when I looked at my XXXX XXXX account. Please have them delete these.
I 've been paying Navient consecutively every XXXX of the month for a few years now. Not until XX/XX/XXXX did I check my bank account and notice that the usual payment {$300.00} + did not come out. I called navient & spoke with a represtative, she explained that they no longer excepted payments via credit card this is why the charges did n't go through and that I will have to set up the payments through auto debit. I agreed and she proceeded to explain that the monthly payments for both A & B private loans will be a total amount of {$160.00}. Fast forward to XX/XX/XXXX I obtain one email from XXXX XXXX at navient stating that I should contact them due to an error in my account. When I called I spoke to XXXX and I explained everything above. She understood my issue and said she will pass it to a mgr who will call me back in a week. No one called me, so I followed up today on XX/XX/XXXX Only to be told by the mgr XXXX that even if I pay the back balance today i will 1. still be charged a late fee, 2.the late fee will remain on my record & this will disqualify me to release my consigner in the future, and 3. to make matters worse I now have to pay interest on top of the principal increasing my payments to {$350.00} & change instead of the {$320.00} I was paying for years. I find it to be ridiculous that I now have to be penalized with extra fees due to the reps mistakes. I was only recently notified this month, and they tacked on all these fees, placed me on forebearence because of it. The reps were rude and not helpful at all. I understand this may not seems like a huge increase in payment to some, but it makes a huge difference to me, and hurts me financially. I 'm hoping that the forbearance can end and my regular payments can be eplimented. Many thanks in advance
Citibank Lost my checking account and statements. I need 2 years XXXX XXXX ) of monthly statements and they assert the checking account does not exist and they can not find the account. this could result in a potential {$20000.00} tax liability XXXX and need to amend my tax returns but without that information I can not deduct my XXXX expenses.
I have played all my collection accounts off how come there still on my credit report stating open account XXXX. XXXX. I paid off all of them. Its affecting my account I have sent many dispute letters and its still on there why.
XX/XX/XXXX at XXXX ; XXXX pm called XXXX XXXX XXXX XXXX to pay off an outstanding charge off that continue to report 90 days late monthly to Transunion, XXXX XXXX XXXX. I was notified by the representative that this account can not be paid to XXXX because they no longer own the account. I asked when was the account sold and was told back in XXXX. My next question was should this account then be reporting a zero balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, XXXX is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XXXX after it was charged off. After concluding the called TransUnion and spoke to XXXX to initiate a dispute regarding this XXXX account. I stated that XXXX should be reporting a zero balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX pm. Lastly, I initiated a dispute with XXXX at XXXX pm with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the XXXX XXXX XXXX was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a zero balance and sold or transferred to another lender it was. At XXXX pm I contacted XXXX XXXX XXXX XXXX again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that XXXX can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that XXXX XXXX XXXX provided an inaccurate verification of the debt to the XXXX major credit reporting agencies.
I refinanced my mortgage with XXXX XXXX XXXX. XXXX 2016.. I was provided an estimate of monthly pay of {$1200.00} at the final closing I was provided that my new monthly payment would be {$1000.00}, for a year I have paid {$1000.00} and paid it on time. XXXX XXXX I received an escrow analysis stating that I had a shortage of {$3200.00}. Also stating that if I do not pay it by XXXX XXXX my monthly payment would go up to {$1500.00}. The actual payment should have been provided to me at closing of {$1300.00} It was discovered that the mortgage company quoted me incorrect figures and neglected to include my taxes of which I was not aware. I agreed to refinance based on fraudulent in accurate information. If the correct figures had been presented it would have shown that I would have only be saving {$28.00} a month versus what appeared t be around {$300.00} a month savings. it would not have been in my best interest to do so at that time. I have contacted the mortgage co by phone, and also had my attorney contact them by letter. The company has not responded as of this date and the action they have taken is to put my XXXX XXXX payment into unapplied funds account. The company is insisting that I pay for the error that they made ( The shortage ), and threatening to apply late fees to my account and report it as delinquent to to credit bureaus where permitted under law.
To whom it may concern : Experian Credit reporting agency lists a bankruptcy on my report that is not valid. I have never filed for bankruptcy. I have emailed them several times to correct this, but they have not. This does not show on either other major reporting agency, and is not valid information. I request that they remove the listed bankruptcy.
I am not responsible for this debt and have attempted to contact both the original debt agency as well as XXXX to no avail. I have requested verification of the debt and received none. After multiple calls to XXXX with no assistance I am forced to request this account be permanently deleted from my credit report and verification of deletion be mailed for my records.
Plaza Services XXXX I checked my credit report to find that this company was reporting an account for XXXX for {$590.00} I called to inquire about it, spoke to XXXX. She stated they purchase the account. told her it was not a valid purchase, and she said it was an account that was opened in 2014. I asked her for the account and company 's contact info. she told me she did not have access to it, that I would have to Google it. I told her, her company had me in collections they purchased the account she should be able to give me the information. She told me they were not a collection company, they are a holding service (?? ) I asked her how then is Plaza Services reporting this account as in Collection if they are not Collection service. I contacted every XXXX. # I could find, They have no record of me at all, and said even it was 10 years from before they would have a record. I am not only reporting to XXXX but to the FTC as well, and have made an appointment with my attorney to file suit. I was in chapter 7 bankruptcy, this is not my account. they are in violation of Federal Bankruptcy Law as well as Fair Credit Reporting Act.
I called Heartland on XX/XX/XXXX at XXXX pertaining to a deferment for my student loan account. They said I qualify for a deferment and I would have to pay the interest of XX/XX/XXXX for 3 months. So I receive an email on XX/XX/2016 at XXXX saying I do n't qualify for a deferment. I called them on XX/XX/2016 at XXXX and asked them to remove my checking account information. I wake up today and XXXX was drafted out of my account. I have screen shots of all information and correspondents
Our address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX. 
We have a 203k loan on this property. We finished all of the home improvements as required and received our last reimbursement check in XXXX. Homebridge employee XXXX XXXX was servicing the XXXX loan. Within the rules of the loan, Homebridge had 30 days to close out the loan with FHA. Their failure to do so is creating us great financial hardship because we can not refinance the loan until it is done. This costs us several hundred dollars a month. We are ready to close on a refinance and this is preventing us from being able to have another loan on the property. We have contacted their office many times and sent them the information that they need in order to close out the loan. They are claiming ignorance and not accepting responsibility. The loan is with XXXX but Homebridge is servicing the XXXX. Our XXXX inspector, XXXX XXXX has been reaching out to the HUD office on our behalf but it does not seem as though HUD can help us. It is our understanding that the close out process takes approximately 5 minutes. 
Here is the contact information for the company servicing the loan. 
XXXX XXXX, 203K Draw Administrator HomeBridge Financial Services , Inc . 
o : XXXX f : XXXX e : XXXX w :  www.HomeBridgeInc.com Thank you, XXXX XXXX XXXX
XXXX, XXXX and Equifax are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>
XXXX XXXX XXXX XXXX  is my lender ; I fell into default on or about XX/XX/2018, on my first mortgage.and submitted a request for a loan modification on XX/XX/2018. I contacted XXXX XXXX on or about XX/XX/XXXX to follow up on the application and supporting documents that I had submitted. 
On that date, I was informed by XXXX XXXX that the mortgage servicing had been transferred to Fay Servicing on XX/XX/2018 (  one month prior ) while the mortgage was already in default. When I contacted Fay Servicing about this, I was informed by Fay that they would not review my file for loan modification consideration as the foreclosure date was too close. My allegations are : 1. I was not given written notice by either XXXX XXXX XXXX XXXX or Fay Servicing when my loan servicing was transferred ; had I been expressly informed ; I would have submitted my modification request to Fay Servicing. 
2. My loan went into default in XX/XX/2018 therefore, loan servicing was transferred while the loan was in default. 

The amount of my default is {$14000.00}
Miscalculation of Loan modification Being overcharged for the last 6 years. Modification was completed thru GMAC and OCWEN now manages the loan. They were given a written notification to correct the problem. We received 2 letters from them the first one said they received our letter and would need 45 days to review the modification. after the 45 days we received another letter stating under RESPA they are afforded an additional 15 days. It has been 20 ( Business ) days and still no resolution.
I was in the in the process of completing a loan modification ( XX/XX/XXXX ). I was asked to sign a subordination agreement ( XXXX attached ) in which I 've signed XXXX previous times. I asked my loan preservation specialist to send me this document and she failed to do this. After repeated calls and messages, my application was thrown out because I allegedly did n't finish the application process. Even the loan specialist 's superior is covering up this fact by doing " research and an investigation ''. As of XXXX XXXX, I was required to sign a subordination agreement and I 'm still waiting for it ( XXXX XXXX ). Wells Fargo 's people have lied to me and I 'd them to review their actions and the recorded audio of my last XXXX conversations with XXXX XXXX and XXXX XXXX refuses. I 've been mislead and lied to.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These address do not belong to me my address is XXXX just like it is listed on my credit report. Anything else other then what I stated above do not belong to me and is not my address.
" I hope you enjoy living with your bad credit '', I am on XXXX now for 2 years because of failed XXXX. I have told this the collection agency and when I get back into the world force I will pay my debt. Currently finishing XXXX school, then I need another XXXX to hopefully fix the failed XXXX and get back to work in XXXX. The debt is from 2014 during a time I was receiving XXXX. XXXX. There is no need to be nasty, I know my debts and people need to be paid for their services. I do have plans but I must get back into the work force. Please, do not allow these people to harass me over {$200.00}.
In XXXX of 2016, I was the real estate XXXX representing a couple trying to buy their first home. That had already been working with XXXX XXXX of Vinson Mortgage at the time, and as the transaction continued, his behavior became more and more hostile and unprofessional to everyone else involved in the transaction.
I have a mortgage whose principle is currently at 79.4 % of the original value of the property. I asked the lender to drop PMI but they originally told me that I had to be at 75 % LTV - after calling and getting passed around a XXXX times it seems as if they finally fixed it to reflect the proper % but they refuse to have a manager call me back or drop the PMI without using their appraiser which will be an unrefundable cost to us somewhere between $ XXXX no matter whether they decide to drop it or not. I have requested they tell me the amount I need to pay down on my loan instead of throwing money on an appraisal that is worthless as even if you look at XXXX the property has increased in value by $ XXXX since the original loan date. There is no good way to talk to a live person, they pass you around from uninformed person to another uninformed person and all I want is somebody to tell me what amount I need to pay towards my principle to drop the useless PMI fees. We have never been late and we always pay more than the minimum on our loan and just need to understand ( besides throwing money away for a useless appraisal ) what we need to pay to drop PMI.
SETERUS is in violation of The Fair Credit Reporting Act ( FCRA ) due to misreporting and not correcting the status of the Account to the major credit reporting agencies XXXX, XXXX, and XXXX. In addition, they are in breach of contract of the Forbearance Agreement dated XX/XX/XXXX ( superseded agreement dated XX/XX/XXXX ) and XX/XX/XXXX ( collectively the Forbearance ) for not complying with the terms which specifically stated we will not charge you any late fees or report you to the credit bureaus as being delinquent.. 

The reporting in the credit report is reflecting the status of the Account as past due, >120 delinquent, severe delinquency, adverse account. The reporting is inaccurate since the Forbearance Agreement entered with Seterus Inc started XX/XX/XXXX and ended XX/XX/XXXX ( Forbearance Period ) as a result of the FEMA-declared disaster Hurricane Irma stated that WE WILL NOT CHARGE YOU ANY LATE FEES OR REPORT YOU TO THE CREDIT BUREAUS AS BEING DELINQUENT. Since the origination of the loan in XX/XX/XXXX, the Account has never been delinquent. 

During the Forbearance Period, the loan Account was paid off in full on XX/XX/XXXX including all deferred payments from XX/XX/XXXX thru the date of closing. An estoppel letter was provided by Seterus to the closing agent outlining payments due. This amount was paid at closing and no obligation was due to Seterus after the loan was paid in full. We became aware that Seterus reported the Account as delinquent when in XX/XX/XXXX I applied for a line increase on my credit card and was denied due to severe delinquency reported in my credit bureau. As a result of the inaccurate reporting, my credit score was severely impaired and dropped from a XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. 

I filed a dispute with the three major credit bureaus in XX/XX/XXXX which resulted in the following outcome : XXXX   updated the files to include that the status as Paid, Closed/Never late. Deferred, payments begin XX/XX/XXXX. 

XXXX continues to report the status as being 120+ past due. There is nothing in the pay history that shows that the account was ever 120+ days past due. 

XXXX continues to report the account as an Adverse Account reflecting the account as >120 Days Past Due. There is nothing in the pay history that shows that the account was ever 120+ days past due. 

I received a letter from Seterus, Inc. dated XX/XX/XXXX followed up by a letter dated XX/XX/XXXX listing the payment of the loan in full cancelled the forbearance agreement as an explanation to reporting of the delinquency. This is inaccurate since the payment in full satisfied the Forbearance Agreement, as well as the promissory note and mortgage resulting in no further obligation to Seterus and/or XXXX XXXX. The Lender/Servicer breached the contract since they had an obligation to comply with the terms of the Forbearance Agreement which included not reporting the loan delinquent. Furthermore, this is a XXXX XXXX owned loan which Seterus has to follow the servicing guidelines provided by XXXX XXXX. Under the XXXX XXXX servicing guideline summary, it specifically stated that the disaster forbearance is not to be reported delinquent.
I was a victim of Identity Theft and only learned about this after Discover bank filed suit against me. I have sent in a dispute with the credit bureau 's and they still continue to report this inaacrate info to and on my credit.
Hunter Warfield is on my credit report, the date it states it was opened was during the time I was in   XXXX   so I couldnt have gotten a apartment at the time. I sent them a pay to delete offer because that seems to be the only way to get it off my credit without having to pay them the full {$2000.00} something I do not owe. And now they are reporting on my credit that my payments are late after 4 years! Hunter Warfield is hurting my credit and is stopping me from moving on in my life.
I have put a dispute on BBB along with lots of other consumers who is having this issue with Hunter Warfield.
I have disputed inaccurate items on my credit report dating back to XX/XX/2018. Equifax has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet Equifax hasn't deleted or mailed by results to me. Equifax has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).