WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.
I closed on my mortgage XX/XX/XXXX. The original mortgage amount was {$360000.00} at 4.25 percent payments @ {$2400.00}. 

I purchased the property at $ XXXX and I used a XXXX loan for rehabbing. I owner occupy one of the four units and rent the remaining three units in Washington, DC. 

At closing the building had three tenants, my renovation budget was to rehab the one vacant apartment ( unit # XXXX ) and other things around the building that needed addressing. About a month after closing, I presented the tenants with the option of staying with an increase in rent or moving out. One tenant ( Unit # XXXX ) chose to move out. The remaining two tenants signed new leases and ( Unit # XXXX ) XXXX XXXX is still here. Unit # XXXX paid rent at the lease signing in XX/XX/XXXX then never paid me again. 

DC Tenant Laws coupled with cold weather prevented me from getting an eviction until XX/XX/XXXX. In addition to the work I would have had planned, the former tenants left extensive unnecessary damage. By XX/XX/XXXX, I had paying XXXX XXXX paying {$800.00}, and Unit # XXXX had just gotten its first tenant in XX/XX/XXXX. I still had work in unit # XXXX and unit # XXXX. I missed my first payment in XX/XX/XXXX. 

I contacted Wells Fargo XX/XX/XXXX and they agreed to modify my mortgage. They were nice about and let me I did not have to pay until the modification agreement was complete. I signed a modification agreement out of duress on XX/XX/XXXX. The modification agreement offered to lower my payment to {$1900.00}. 

The process did not settle until XX/XX/XXXX causing me to have all those delinquent months negatively affect my credit. I do not dispute the original three months delinquent reporting but the actual number of delinquent months on my credit report feels like Wells Fargo intentionally delayed my paperwork to handicap me. Also my property has appreciated nicely, the most recent appraisal priced my place at {$450000.00}. Wells Fargo only uses the original purchase price of $ XXXX and with all the fees they added on the deferred amount I am around XXXX percent. This locks me in so I have no options. 

I have seen in the news how Wells Fargo has been called out for discriminating against minority communities with misinformation and predatory practices. Does this qualify for such an occurrence if its widespread?
I tried to upload these documents on the Experian upload portal for identity theft. The documents will not upload. XXXX XXXX Account number, XXXX XXXX Account number XXXX XXXX Account Number XXXX XXXX XXXX Account number The XXXX XXXX Account Number. I did not open these accounts.
Several months ago I tried to use my card-it was declined. This is puzzling as they are automatically sent not less than {$50.00} and usually {$100.00}. There have been no gaps in payment.
In XX/XX/XXXX I was experiencing financial problem. I called my mortgage institution for monthly payment assistance. I was sent a package requesting to notate my hardship and list of monthly bills. I wrote a detailed letter and gave account of my monthly bills. I was then called and informed I was approved for the modification for my mortgage and a package will be emailed to me to sign. Only after I signed and agreed to the terms will I get the assistance I needed. Of all the paperwork I signed I was given what was called a SHARED APPRECIATION agreement which I am attaching as well. I was emailed the information and told to return it that day. I signed and returned the package and my payments were greatly reduced. Just recently I was attempting to refinance my mortgage which would lock me into a much lower monthly mortgage amount at a fix rate. I was approved however while finalizing the paperwork I was told my mortgage company is requesting over {$5500.00} to be added to the payoff amount. I was sent the XXXX. I called because I did n't understand what it was and I was told that because they helped me with my modification, that anytime I sell or refinance my home I agreed to share in the appreciation of my home. They stated they would receive {$5500.00} of the shared appreciation because in 2012 they appraised my home at XXXX and I financed XXXX at the time of the agreement. I was never sent anything that I can remember stating {$5500.00} was the shared appreciation amount. I feel this is predatory loaning for a person in need financial help. I was rushed to sign and fax back the information. If I understood I feel I had no other options as I could n't afford the mortgage I was paying. They knew I was in financial distress and I know they took advantage of my circumstances. My payments went from {$880.00} to {$590.00}. When I received the loan I was told to make payments on time for the next XXXX years and they would forgive approximately XXXX each year and I did so without incident. It appears to me that signing this agreement was there way of getting back what they stated was forgiven. I feel that these mortgage companies are taking advantage of people in hardships and later making even bigger profits. The extra money I could be getting from my refinance is money homeowner can later use for children 's college, home improvements or paying off debt but predators like OCWEN found a way to take that away.
First of all, XXXX XXXX calls me repeatedly from different phone numbers. I block a number, and they call from a different one. Not only that, but they called me just a minute ago on XXXX eve!!! I've had enough already. I'm tired of them using MY cell phone minutes that I have paid for. This company is already in trouble for their collection practices. I'm wondering if I can join in that lawsuit. The debt I owe to the original credit card company was bought by XXXX XXXX which means it was paid off. I don't feel it's my obligation to pay a debt that they chose to buy from another company for much less than they're trying to collect from me.
I have a XXXX XXXX loan with ACS Education. I have made all my payments online and on time, always on the 1st of the month, for almost 8 years now. This month, when attempting to pay my monthly bill, I have not been able to access my account. Each time I sign-in with what I have verified multiple times as the correct login information, I 'm told the service is temporarily unavailable. I have sent multiple emails to customer service both through the website and directly from my personal email account detailing the problem and attaching screenshots showing the issue. I have also attempted to contact customer service via phone, but the system will not let you talk to anyone until it recognizes your SSN and DOB. Despite repeatedly entering these accurately, the system claimed it did not recognize either so I 'm unable to reach anyone to resolve the issue. Further complicating this is that I do not have an account number to include on a check to mail to ensure my payment is processed correctly because ACS uses my SSN as an account number - and I think it is really dangerous to include this on a check.

I have received no response or from ACS, only acknowledgments that my email has been received and that I will receive a response in 48 hours. This has not happened, and I have been having the same problem for four days now, putting me in danger of submitting a late payment! This is clearly a way for ACS to force late fees or other issuers on its borrowers, with little or no borrower ability to contest! Please contact someone at ACS to make sure they know this is happening and ensure that borrowers are not being unfairly penalized for the servicer 's incompetence. A quick XXXX  search on the web will show you that ACS has in the past caused similar problems for other borrowers and this is really hurtful - particularly for those of us who do everything we can to make our payments responsibly. I thank you for your time and please feel free to contact me directly if you would like further details.
I am attaching a copy of the letter than my husband XXXX, and I, mailed to the credit bureaus on XX/XX/XXXX. The bureaus are supposed to investigate the accounts we listed, and respond within 30 days. XXXX  DID respond, but Equifax and XXXX XXXX have not.
I sent in a identity theft affidavit ( certified ) to Experian and they have ignored my request in re : to id theft number XXXX as well as the XXXX please have these accounts/inquiries removed direct result of identity theft commercial bank XXXX mortgage XXXX bank XXXX inquiries ally fin XXXX XXXX lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX
On XX/XX/XXXX, I made a purchase of XXXX LTC ( litecoin ) for {$4000.00} USD debited out of my bank account, few minutes later I received an email from Coinbase support saying Unfortunately, your purchase has been canceled. If you were charged, you will receive a full refund to your bank account within 3-4 business days. ), 2 weeks later and I still never received a refund into my bank account and coinbase never returned my emails, they do n't even have any phone numbers listed so we cant ever call them for help. I then on XX/XX/XXXX I  reversed this transaction through my bank XXXX, I rightfully got my money back a few days later, then on XX/XX/XXXX coinbase send me another email notification that they sold XXXX XXXX ( ethereum ) out of my account to recover {$4000.00} ( this is something I had previously purchased totally unrelated to this litecoin transaction and was purchased for the same exact dollar amount ( XXXX ETH for {$4000.00} ) on XX/XX/XXXX and fully paid for and settled, as you can see they had no right selling another asset to recover funds that were n't theirs, I am asking for my XXXX ETH to be put back into my account, I have all bank and coinbase transactions and proof needed, I have sent 6-7 emails to their support and no one gets back to me, Additionally on XX/XX/XXXX, I sold  {$3800.00} worth of Litecoin with the intention of buying another currency, after the sale the {$3800.00} went into my US Dollar wallet in Coinbase, then I tried to make a purchase with the funds in the US Dollar wallet and I get a system  notification that all buys in my account have been frozen, so now they are holding my money hostage and I have no way of getting {$3800.00} back, again they do not response to any emails..
Hello, TD Bank is blocking me from withdrawing my money from XXXX XXXX XXXX on XXXX and today XXXX. I called to let them know and they said they did n't have anything to do with it but this has happened to a few of my friends using TD Bank as well. Now I ca n't get to my hard earned money unless I switch to another bank, this is ridiculous.
Around XX/XX/XXXX or XX/XX/XXXX, I banked with Wells Fargo in XXXX, Az. I had checking, savings, and credit card accounts. I was a college student and my tuition status changed from out-of-state to in-state and so the amount of my financial aid checks significantly increased. At this time, I thought it would be a good idea to try to build credit history by putting a number of charges on my credit card and then paying it down when I received my next financial aid check. 
However, XXXX semester, after I had made a large payment from my checking or savings account to my credit card account, I noticed there was still a lot of money in my checking or savings account. I went to the Wells Fargo at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and asked a bank representative where this money came from. I was told that since I had made a credit card payment that far exceeded the minimum payment, some of my payment was put back into my checking or savings account. I did not complain or ask that it be reapplied to my credit card account. 
At the time, I was not aware that cash advances carried a larger APR than purchases. It was some time afterwards that I realized this and recalled this incident. In XX/XX/XXXX or XX/XX/XXXX, I began requesting from Wells Fargo credit card and bank statements from that time period around XX/XX/XXXX to XX/XX/XXXX. I do not recall exactly when the incident had taken place and, after examining the statements, I still could not narrow down when this cash advance had taken place. At this point, I had been paying interest on hundreds of dollars of cash advances. 
It was around this time that I noticed that my credit card statement no longer showed a balance for cash advances. To this day, I have a XXXX balance for cash advances. 
I have been hesitant to bring up the whole issue with Wells Fargo for fear that the cash advance balance will return to my credit card. I do not know how much interest I paid over the years for the cash advance balance so I do not have a dollar amount that I am looking for in compensation. 
Also, Wells Fargo has asked a number of times if I would like to close the credit card account and open up a line of credit at a lower APR. I have been hesitant to do this as well, as I am unsure if that will erase any records of all this. 
Like I stated above, there is not a dollar amount that I am looking to be compensated. My intention in writing this is to inform a regulatory or consumer protection agency of this incident, in case it has happened in the past or is still occurring, and to find out if, by closing my credit card account and opening up a line of credit, it will somehow erase a record of these issues.
Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does not belong to me. 

Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does Infact belong to me. 

XXXX and XXXX Credit Bureaus purged the above entries and removed from my Public Record on my credit report. 

EQUIFAX refuses to stating they did n't file this information the Bankruptcy Court supplies the information which is not true. I have filed XXXX disputes and talked to XXXX different people up the chain of command. My end result has been it 's equifax decision to report this information for 10 years instead of 7 years as the other credit bureaus have done. Please help me. I need to buy a home. Each employee has told me different information and they have straight out lied. If the phone calls are recorded you can hear them yourself. Your told it can take up to 30 days for the result of a dispute but the last XXXX I filed had results less than 24 hours later and I have the email to show that. My dispute case # XXXX are : XXXX, XXXX, XXXX, XXXX dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ... 

Please contact me with any question. This is a very important issue. Thank You for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX # ***********DOB : XXXX would also like to add that my credit score with Equifax has actually gone done since filing disputes as my credit score Has gone up with XXXX and XXXX . I have a score of XXXX with XXXX company and a score of XXXX with Equifax. I. Desperately need help. The reason we had to file for bankruptcy in XXXX was my husband was XXXX. It certainly was n't something we wanted to. We had no choice. Please help me.
Student loan repayments started in 2002. Although payments have been consistently made, with a couple of deferments, my student loan balance has increased from Approx {$80000.00} to $ 100,000+ according to Navient. I have consistently paid {$300.00} every two weeks in accordance with my agreement with Navient, yet Navient consistently assesses late fees and other penalties.
the Loan was paid off in 2015 after it was paid off they refused to release my title stating they added additional fees. i called the company 20 times and requested written verification of these charges and i never received it. They also treatened to add these charges to credit report.. They added this to my credit report and they refuse to take it off
I am complaining about inaccurate information reporting on Experian and XXXX.THE ACCOUNT XXXX XXXX XXXX,acct no. XXXX.... has been disputed many times with both bureaus,the information updates yet is completely in error.Attached here is proof of the errors.Both the XXXX and experian reports updated within the last two weeks are completely incongruous with each other.XXXX  HAS CHOSEN TO DELETE THIS ACCOUNT TO MY SATISFACTION.EXPERIAN shows a paid charge-off with only about 1300 dollars paid in XX/XX/XXXX.the auction value of the repossessed car was far in excess of that amount.XXXX reports that the loan is a charge-off in XX/XX/XXXX when it was paid in XX/XX/XXXX.XXXX shows a XXXX pymt in XX/XX/XXXX and a last pymt in XX/XX/XXXX.NEITHER OF THESE BUREAUS HAVE CORRECT FACTUAL INFORMATIONAND THEY MERELY PRINT AND PUBLISH THE INCOMPETENT REPORTER.it is obvious which XXXX discovered that this creditor can not accomplish accurate reporting on this account and must be deleted immediately
There was a data breach at Equifax INC in which all of my personal financial information may have been stolen. This will cause ongoing issues with my financial stability. They showed blatant disregard for my vital information.
XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX I have no idea how they received my phone number to call, but i did notice that they have accessed my credit report without my knowledge and consent. if they call they go to my voicemail due to being blocked.
I co-signed 5 of my daughters navient loans and had a draft of {$500.00} dollars taken out of my bank account automatically each month on the XXXX of each month. I have made 27 payments with one problem because they said that it had to be renewed each year because the amount was more than what they said I had to pay. I was able to pay off the loans on the X/XX/2017 in full. I kept checking their website and say that all the loans were at {$0.00}. I thought that the auto withdraw was canceled and that was that with these XXXX XXXX. Well, It was n't. Another {$500.00} was stolen from my account on X/XX/2017. I called to get my money back and took up 4 hours of their precious time being passed back and forth between about 20 customer service members being told 20 different stories about getting my money back. I got from it will be a check to it will be electronically transferred back to me, I see it the XX/XX/XXXX, XX/XX/XXXX, or by the XX/XX/XXXX. Then I was transferred to the so called president who said that I had to send them a bank statement to show that the money was pulled, it showed it was taken on their own website, or conference in my bank so that they can verify that it had cleared, again already showed it had from their website. I did find out that I overpaid by {$300.00} and probably would not have found this out unless I kept after them. They gave me no choice but to complain to some one who might get a straight answer from these crooks.
I dispute the validity of this debt. 
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. 
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 
2. I request any and all information pertaining to this debt including date of agreement. 
Until such verification is received you may not contact me in any form.
Had to quit my XXXX at XXXX due to XXXX due to the issues. XXXX hospitalized quite often. I am XXXX years old and on limited and fixed income and struggle with the resulting XXXX results. I had to quit before bills such as credit cards were paid off. I am being harassed by a collection company who does not believe me and says I can pay them in spite of my limited income when medicines are increasing, etc. I wish they would stop harassing me for something I can not do for them. The calls and shaming tactics are painful and cause XXXX XXXX to spike over XXXX. Other situations cause it as well, but talking with them and worrying keeps the bp way too high constantly. I do not know how to get them to leave me alone. I would file bankruptcy, but attorney fees way too high to pay. My health has to be number one.
I have spoken to several representatives with XXXX XXXX over the past month. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXXe for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she 's not sure what the charges are for.
Chase Visa XXXX Card. Chase sent out an offer to upgrade to another XXXX card. Same account number, so no impact on personal credit. No other fee changes on offer. I agreed to upgrade to the card. I activated the new card on XX/XX/XXXX. Today I receive a letter from Chase dated XX/XX/XXXX ( todays date is XX/XX/XXXX ) stating changes to account terms. The change is that they are increasing their annual fee from {$99.00} to {$140.00}. I find it awfully suspicious that the letter came after I had time to accept and activate the card. This seems a lot like a bait and switch tactic. I will not accept this change in annual fees as it was not advertised when I was initially offered this card upgrade ( and I highly doubt Chase bank makes decisions to raise annual fees in less than a months time, these decisions are factored in months in advance ). Another example of how the banking system is not regulated enough, or perhaps a sign it needs more oversight since they resort to tactics like this. Bad business.
Not sure of dates but I just recently last month disputed Santander to take it off my credit report I stated that I had continuous loss of employment and could n't pay it and the car was triple the amount that it was worth XXXX XXXX XXXX XXXX dollars for a car worth XXXX. I want to try to finance another vehicle and this is the only thing holding me back on my credit.