WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart I have attached as a word document, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.
My XXXX and Transunion reports are saying that I am utilizing over half of the available credit I have, because they are reporting that two of my cards that have a XXXX balance, still have the balance prior to my paying them. What 's odd is that right after I paid these two cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, as soon as possible.
On XX/XX/XXXX an unauthorized person made a total of 4 withdraws and took the sum of XXXX dollars from our account with Bank of America. We contacted Bank of America and submitted a claim that this withdraw was unauthorized and that our account had been compromised. After notifying Bank of America of the incident they denied our claim filed on or around XX/XX/2018 and closed the claim on XX/XX/18. We then Submitted a rebuttal to Bank of America on XX/XX/2018 stating our objections and questions as to why they denied our claim and requested that they provide us with evidence to show their cause for the decision they made and to refund our account with the monies we lost.
I DISPUTED A BANKRUPTCY LISTING IN MY CREDIT FILE WITH EXPERIAN IN XXXX XXXX.I RECIEVED THE RESULTS OF THAT DISPUTE ON XX/XX/2018. EXPERIAN CLAIMED TO HAVE VERIFY THE LISTING WITH SOME UNNAMED COMPANY ( NOT THE COURT ). I CONTACTED THE COURT CLERK AND WAS TOLD THAT AND PROVIDED A LETTER STATING THAT THE COURTS DO NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST THE SERVICES OF ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF.ON EXPERIANS RESULTS OF THE DISPUTE RESULTS, THEY PROVIDED NO INFORMATION ON THIS UNNAMED COMPANY. EXPERIAN HAS VIOLATED NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT.THE FCRA CLEARLY STATES THAT THE INFORMATION MUST BE VERIFIED BY THE ORIGINAL SOURCE.PLEASE SEE THE COPY OF THE LETTER FROM THE COURT AND THE COPY OF THE DISPUTE RESULT FROM EXPERIAN
On XX/XX/2018 I had a phone conversation with the supervisor at Wells Fargo Mediation by the name of XXXX XXXX I informed her during this phone conversation that I had contacted the county of XXXX where I live in Oregon ( aging and XXXX in XXXX office ) about deferring my taxes due to my age over XXXX XXXX. I informed her that they told me I could do this and she told me she had worked with the customer regarding this before. Now I am told today in an email from XXXX XXXX That they reimburse my taxes Which is not what I even asked. The county will differ them Im tired of explaining it over and over again. They just dont want to help they want my home instead. Manipulation cruel bureaucracy and continued discrimination because of my age and mental health XXXX. Im asking them not to pay the taxes so the county will step in and defer them for me. They are doing this in my opinion to take my home. I was told by a county representative at XXXX County Oregon aging and XXXX his name is XXXX that this can be done if Wells Fargo doesnt pay the payment. I have been asking now for almost 2 weeks. As of today the payment had not been made but it will be in a couple days now. 

This to me is unfair and this is just another way that they have manipulated me. I have worked on a spreadsheet now showing the payments and The escrow overage is in shortages where they have short paid and overpaid in error that they wont provide documentation. 

I am trying to send it to you as well but its difficult to explain Ive got the numbers worked out but I need someone to help me and I cant find anybody without spending {$400.00} an hour. If I could spend {$400.00} an hour I wouldnt be in the situation I am in. I need help they have broken the law they have committed fraud in my payments using my escrow account as a way to manipulate the system. 


Another complaint will follow soon but I want my taxes deferred Per my right of my age and the county of XXXX and Oregon State
Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/XXXX and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XX/XX/XXXX-XX/XX/XXXX. I have spoke to the credit bureau, the dept of ed told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX they sent me back to the XXXX XXXX XXXX, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help
I applied for a bp XXXX credit card in XXXX 2016 and gotten approved and the company reported to all XXXX credit bureaus, but they refused to send the credit card. I have not received my credit card for a month. Which is not fair for only a XXXX limit
I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX XX/XX/XXXX to dispute inaccurate infomation on my credit report and they signed for letter XX/XX/XXXX at XXXX XXXX. I have 3 date stamped credit reports on XX/XX/XXXX day 31 from Equifax, XXXX and XXXX which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.
caller leaves a contact not from who left the message. states that we have unpaid debt which we do not have ant UNPAID debt. number calls from ( XXXX ) number to call back is ( XXXX ). They leave no name or company name.
We asked Ocwen to provide us with the correct amount owed on our Mortgage. We did not sign modification or make trial payment because the amount they claim we owe is incorrect.
I received an escrow analysis from my mortgage servicer Loancare on XXXX/XXXX/XXXX. There was a check for {$170.00} for overpayment to escrow. Then I notice, they raised my payment by almost {$100.00} per month for an anticipated escrow shortage for XXXX. Looking closely at the analysis, I saw a gross miscalculation on what my next years taxes would be which is why they were raising the payment. I checked with XXXX to assess what the taxes would be and was correct that Loancare made a gross error. I called Loancare immediately and sent concern via email. Email went unanswered. The agent I spoke to could see the error and requested a new escrow analysis. 2 weeks later I received a statement still indicating the wrong payment amount and no info on the new analysis. I called again and was told the new escrow analysis would not be complete till XXXX XXXX. I expressed concern about my XXXX payment. I was assured it would be done in time. Checking account on XXXX XXXX showed no change. I did send a payment of {$1200.00} which was less than the statement, but more than what I should have been charged to cover escrow and called again ( XXXX XXXX ) I was assured they knew of the error and they were working to correct. Today, they show receipt of my payment, they took PMI ( which I 've asked to be removed since my loan to value warrants, but they say they can keep charging for the first 12 years of the 15 year loan ) but have not applied the rest to my account. Now I 'm afraid my credit rating will be damaged because of their error and their lack of attention in getting resolved in timely fashion. Tried to call today to check status and was on hold for 20 mins. Gave up. 
They are already holding way more of my money in escrow than allowed by law, and now endangering my good credit rating by not applying the payment I made. I am in progress of refinance to get away from them. But you should know, this company seems to have some very dirty practices in taking and holding customers money. 2 months to resolve an issue like this with as many calls as I 've made to them is incomprehensible. They do not respond to requests and issues made in writing either. 
Even if you ca n't help me, LoanCare 's practices and customer treatment should be looked at. I would bet I 'm not the only XXXX they 've done this to. 
Feel free to contact me if you need more info. 
XXXX XXXX XXXX XXXX
I received at my home address a Wells Fargo mailer offering a {$300.00} bonus to open a new checking account. The issue is that the first name on the mailer is unknown to me but the last name and address are correct for my home. I am the original owner of that address so no other names can be associated with the address. 

I contacted Wells Fargo in an attempt to ensure that no current account existed and that no future account could be opened using this name and address combination. All I was able to ascertain was that no account using my SSN was currently open. 

Given the history of Wells Fargo opening 1.4 million fraudulent accounts I am very concerned that there is a potential for identity theft or other fraud possible from this mailing. 

I want to know the source of this addressing information used by Wells Fargo and I want to ensure that no account using this name and address combination can be opened with Wells Fargo.
I checked my credit report because I was declined for a credit, I saw that there was a collection from Portfolio Recovery who supposedly bought a loan from XXXX XXXX. This is absolutely false information. All my XXXX XXXX Loans are being settled via XXXX XXXX XXXX. Portfolio Recovery calls any all hours of the day. They do NOT have a loan in my name and it needs to be removed from my credit report ASAP!!
Experian has been replacing old information over and over I ca n't open credit cardsmy score is being damaged for XXXX months now and over XXXX yearsI have no REmedy pls help. 
Pls be advised I want everything to be clean and up increase in my scoreing system. 
I have been disputingXXXX XXXX
Tried to make payment on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX program online but was unable to on its website. Called to make payment and was unable to due to my account being " locked '' and was told I would have to make payment at a store that was not available at my current location. This store card is a scam that should be blocked by the service member civil relief act.
When I went to make a check card purchase on XX/XX/XXXX at XXXX XXXX my debit card was declined even thought I had adequate money in my checking account with Suntrust.   After calling Suntrust I was made aware that my card was blocked and canceled in which I was issued a new card due to a dispute I made with Suntrust on a particular charge.  I wish they would have made a better effort to let me know this but nonetheless no issue I waited on my new card.  I started calling all of my auto draft accounts that were linked to the old card that was blocked and canceled to change payment method...  I only came to find out that on XX/XX/XXXX and XX/XX/XXXX they processed all of these transactions even though the only access to my checking account was thru my bank debit card which was blocked and canceled.  Now some of my auto drafts did not get processed but the ones that did cause a massive overdraft situation with a total of $XXXX in overdraft with 15 overdraft charges.  I called my branch on XXXX XXXX XXXX in XXXX and she said even though my card was blocked they still had access to my checking account...  This makes absolutely no sense since these merchants did not have my routing number or account number and only had my debit card numbers which if I would try to use would be declined.  I am looking for relief from the ridiculous $XXXX of overdraft charges to be credited back to my account.
I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXX XXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, )
For 5 years with this Credit Card we always paid the full balance before the due date on-line. InXX/XX/2018 I called the reward department and was informed that a {$100.00} reward credit will be applied to our balance the same day I called, it was a few days before the due date. OnXX/XX/18, a day before the due date, I paid the full balance on-line, a {$100.00} less, relying on the reward credit, which was posted XX/XX/XXXX, a day later than the due date. It comes down to {$100.00} one day after the due date. To the XXXX charge a {$94.00} interest was added due XX/XX/XXXX. On XX/XX/XXXX I paid the full balance including the interest. Since this was a Business credit card and I was going to retire on XX/XX/XXXX I have closed the card which was associated with my position in the Company. 
Received a confirmation that the card was closed and cut it in pieces. However, an XXXX statement arrived with a charge of {$84.00}. I called the credit card they said it was another interest on the same {$100.00} in addition to the {$94.00} I have already paid. Their explanation was that even if the hole amount was paid before the due date but a dollar is paid even a day after, they care interest on the full balance and interest on the next month balance, regardless if it's being paid before the due date. Isn't this taking advantage of the consumer? I'm starting to think that the rewards department intentionally posted the {$100.00} reward a day after my due date while telling me that it will be posted a few days before it. I consider it very much unfair. 
The bank is : XXXX XXXX. Credit card address : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX : XXXX
My XX/XX/2018 bill indicated a balance of {$510.00}, due XX/XX/18, which I paid in full on XX/XX/18. Today, I received a bill for {$1.00}, due XX/XX/18. I paid it immediately, and then called XXXX to find out why I was charged more even though I'd paid the balance well before the due date, and there was no information on that bill which indicated anything about " residual interest ''. According to their " fine print '', there is no indication of charging a " residual '' interest rate. This had never happened before with this credit card company. I was told by XXXX that it was a " residual '' interest. Her explanation of that was insufficient, so I asked to speak with her supervisor. XXXX told me basically the same thing, but it still didn't seem like transparency was being used in their billing processes. I'm filing this complaint so other people who might have once trusted Citi, have a reason to do so no longer.
I have been working with my mortgage company, Ditech, for several months to remove my PMI from my mortgage account. I payed for an appraisal at Ditech 's direction, only to later be told that the home would not qualify to drop PMI for several months. After the appraisal was completed, I was informed that the PMI would dropped at the loan 's 2 year mark on XX/XX/XXXX. On XX/XX/XXXX, I called Ditech to confirm the PMI had been dropped, and requested a refund for the prorated dates I had paid for with my XXXX payment. The PMI has not been dropped, and I was informed that the PMI was paid for the upcoming month, therefor my XX/XX/XXXX payment would cover my PMI through the end of XXXX, and would be prorated. 
Today, XX/XX/XXXX, I spoke with Ditech again and was informed the PMI still has not been dropped, and that PMI was actually payed for the previous month. They said to expect to pay the full PMI amount for my payment due XXXX XXXX, and then to receive a refund for the prorated amount which would be applied to my ESCROW account. They still have not answered why my PMI has not been dropped, nor have they confirmed a date when I can expect to receive confirmation of the PMI being dropped. 
This process is ongoing, and the initial process was initiated in XX/XX/XXXX. The current date is XX/XX/XXXX. Over 6 months for a process including multiple letters, over 20 phone calls, dealing with over a dozen representatives, and this is after I was initially told should only require a single letter and an appraisal. The original estimated time fame was approximately 3 weeks after my written request was submitted.
I am contacting the CFPB as I have tried dealing with my mortgage servicing company, Roundpoint Mortgage Servicing for over a month now to get the permanent modification agreement issued. I had completed the three trial payments X/X/17, X/X/17 & X/X/17. I was told by Roundpoint that there are ECB violations reporting on the title report that must be cleared before the permanent modification is issued. After I went to the ECB ( Environmental Control Board ) and obtained proof there is no and had never been any ECB violations on this property and I faxed the proof to Roundpoint. I was then told that the ECB lien is coming up on a different property but the same name as mine so this needs to be satisfied. I submitted proof this is not my property and never has been. They are insisting this must be satisfied anyways. I called the ECB again and they advised that this situation should not be. All New York title reports pull ECB violations which come up with the same name but if the property is not the subject premises, it is not my responsibility if I do not own the property which I do not and have proved I do not own. I have taken off two days of work to obtain the nonsense documents Roundpoint is requiring to be in the same place where they are requiring this to be satisfied. I understand Roundpoint is not located in New York so they may not be aware of how the ECB violations work but they are refusing to confirm this. I even called three New York title companies and also verified I would not be responsible to satisfy
I have advised this company several times not to contact me a work, however they have persisted and continue to call me at my job and have put my state of employment at risk due to the numerous phone calls.
I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s ) with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being XXXX XXXX XXXX XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day. Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX  website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; Experian, XXXX, and XXXX. 

Thank You XXXX XXXX
In XX/XX/XXXX, someone attempted to add themselves to one of my  credit cards along with changing my address. XXXX XXXX emailed me and I closed the account. I then receive a letter from XXXX wanting information on a credit application. I contacted the institution in XX/XX/XXXX and closed the application process. They removed the account from my credit file. When I received my credit report because of these issues in XX/XX/XXXX, I noted an account with CBNA/XXXX, which I never applied for on my credit report. I contacted them and was advise I would get a letter to reply to it. Never received. I disputed the account with the credit bureaus ; however, XXXX will not remove the account after twice providing details to them. I put a credit freeze with XXXX since most of the issues appear to be related to their credit reports. I have also filed a dispute with XXXX. They are in the process of investigating my dispute. I have never visited a XXXX nor would I get a gas card from them.
As a customer of Ameritech Financial I was not informed that the forms that I filled were available for free and that their service was unnecessary as I filled out all the forms and mailed. I am also concerned about identity theft because I have give out some very sensitive information ( such as XXXX in username and password to my XXXX XXXX account and website ) Im afraid that im involved in fraud. Ameritech Financial did not make payments towards my loan and my interest has been accumulating.