WillisBack/dataset-financial-user-claim huggingface dataset:
The issue is with XXXX credit reporting in regards to Jefferson Capital XXXX while ago I had filed a dispute in regards to the amounts listed in the Charge off. Since that time, my credit has made a comeback, and I was able to receive funding for a new home loan. I was informed by my underwriter that I needed to have the dispute notifications taken off my report to be able to receive funding. I followed their instructions and called the reporting agency SEVERAL times to have the dispute remarks removed, and they started a report on the issue. 30+ days pass, and my underwriter contacts me again in regards to the same dispute remarks being there. So today I called back and spoke to them and they told me to pound dirt as there was nothing I could do as the creditor refused to remove the remark event though I agreed to the amounts and dropping the dispute. I feel that my credit is being held hosting from XXXX and Jefferson Capital as I now might lose my funding ( and GREAT percentage rate ) as the dispute remarks will not be taken off. I appreciate any assistance you can provide
I have a XXXX XXXX account on my Transunion credit report that I had investigated last year as a fraud account. After 30 days of investigation the item was removed. At this present time XXXX XXXX is active on my report again.
XXXX XXXX XXXX has report false, wrong information on my credit report Fraudulent information That I didnt apply for or ever use their services my identity Was used this is not my account by law it need to be removed
My student loans are now with Navient. They will not offer me any different repayment options other than the standard repayment. I also do not have any options for deferment or refinancing.
My wife had added me as an " authorized user '' on XXXX department store credit cards. Unfortunately, she lost her job and subsequently had to file bankruptcy. The department store 's credit card company started hounding me to make the payments. I explained to them that I was not the account holder but just an authorized user. They continued to hound me so I asked for proof where I had signed an agreement to pay the credit card bills. Of course, their reply was that there was no proof where I had signed such an agreement. I then asked them to stop writing or calling me but they continue to do so. What can I do to stop this harassment? They have also reported this to the credit bureau which has ruined my credit.
I have a Private student loan with UAS ( University Accounting service, LLC ), that before it was XXXX. I called them today to talk about XXXX XXXX for Borrowers who attended XXXX Colleges between XXXX. They said that the Loan services is XXXX and they are not on the program of forgiveness, the only thing that they allowed to offer was Forbearance, paying {$20.00} a month but interest still accrued.
XXXX XXXX accused my daughter of breaking lease and charged us for entire lease duration. When I called to disput the amount, they said they would not work with me and immediatly turned me over to glc collections. I went to court as should have been done originally, this was a dispute over lease issues and has to be settled in court first. I won the judgement and was awarded money for damages. The original amount was XXXX off since XXXX was guilty of code violations and of double dipping- they had rented residence out already. XXXX has settled and GLA still will not remove collection.GLA did not investigate and show due diligence in accepting this debt. XXXX has admitted guilt by losing lawsuit and paying, so in effect there can be no collecyion since the wrongdoing was not my fault.I have contacted them and they have not responded. I want this off of all XXXX Credit Reports, since they never should have been there at all.
You people at Key Bank are the most ignorant bunch I 've ever dealt with. Use some common sense. Once again, this is in regards to the unauthorized charges from XXXX. See my previous complaints.
I contacted to have multiple inquiries that I was not aware of and others that were done multiple times from one request removed from credit and was not assisted with this issue. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Page 35 of 45 Requested On : XX/XX/XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
I've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX/lXXXX XXXX XXXX XXXX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On XXXX reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on XXXX   reporting charge off last pay XX/XX/2013 and on Experian reporting account transferred to another office and last payment XX/XX/2013.
In XXXX 2015, I faced a Chapter XXXX bankruptcy after years of financial hardships due to unemployment. My TDRCS/Rooms to Go account was a part of the bankruptcy to be reaffirmed at the principal balance of {$300.00} after removing several late payment fees. The account was paid in full, as agreed, in XXXX 2015. However, after over 6 months of repeated correction requests, TDRCS/XXXX continues to report inaccurate information to the credit bureaus in violation of the Fair Credit Reporting Act. First, they reported the account was included in the Chapter XXXX and not reaffirmed. Now, they report the account as paid but with a negative payment history from XXXX 2015 to XXXX 2015. The account was no longer past due after the XXXX 2015 bankruptcy filing, was reaffirmed, and paid in full as agreed.
I have spent a year and a half, and XXXX complaints with CFPB, to try to get XXXX to restore online access to my account in full after they blocked me XXXX years ago when incorrectly listing my loan as in bankruptcy. They have paid minimal lip-service to my issues, lied to me repeatedly, and their constant delays in activity have cost me money. 

They promised continual contact with me until resolved. No one at XXXX has called me or made any attempt to follow up in 6 months. I am unable to look at any of my data online and must get statements mailed to me. I am unable to schedule XXXX XXXX payments a month. They ruined my credit rating ( that I was trying to restore ) with their inexplicable incorrect reporting of my home being in my bankruptcy. This reporting caused higher interest rates, inability to get credit, to be a co-signer on a family vehicle requiring my elderly mother to co-sign. They continued to add late charges to my account ( not credited until XXXX XXXX ) causing my account to be unavailable to be amortised promptly. That delay, after the credits were given bringing the loan to date, took multiple threats, complaints over XXXX months before my monthly loan amount was reduced ; this after being promised it would happen within weeks. 

I want my online access restored, or for them to delete that online account and reactivate it if necessary to get me what everyone else has. I want a credit applied to my principal equal to the amount of reduced monthly loan that XXXX had overcharged me for XXXX months. I want their heads on a pike, starting with the lying XXXX XXXX and his entire department of XXXX. I want my loan moved to another servicer without having to refinance. I am done playing nice and waiting. I have spent upwards of XXXX hours fighting with them, and all they do is lie. If you have any questions, you can ask XXXX XXXX at XXXX XXXX. She knows the whole story.
On XX/XX/XXXX, I sent a written communication request as well as a debt verification letter. This was well within the timeframe to send the letter, as I was given a 30 day notice around XX/XX/XXXX in letter form in which I could contact for a debt verification letter. 

I never received a response back from the collector and now, after a no th, suddenly, the calls have started back up again despite my request. Throughout XXXX, after sending the letter, I hadnt received any calls. Now, come XXXX, its the same process of an automated sounding male spewing the same lines over again from Capital Solutions in XXXX, OH. 

Rough timeline : XX/XX/XXXX phone call XX/XX/XXXX phone call XX/XX/XXXX letter received XX/XX/XXXX sent request out XX/XX/XXXX phone call XX/XX/XXXX phone call
Since middle of the month of XX/XX/XXXX, Sun Trust Bank put a hold on my business account ( XXXX XXXX XXXX XXXX ), account number XXXX. When I went to check on the status and the reason of it, they notify me that a person sent a wired transfer by error to my account. When I asked the manager of the branch, XXXX XXXX XXXX, the name of the person I notice he was my client. Immediately, I called my customer service department and verify that XXXX XXXX XXXX, a XXXX XXXX  Customer, who paid signed and paid for our services, was our customer since XX/XX/XXXX. I let XXXX XXXX XXXX  knows that this customer was lying and I will be back with the signed contract to proof that he was my customer.

XXXX XXXX XXXX   provides me with a document to sign in order to refuse the refund to XXXX XXXX. I came back with the signed contract as evidence and was send it to Corporate. XXXX XXXX, as a customer, never called either or send any communication or the intention to cancel the services with us. As stated on our contract the right of cancellation, and by the state of Florida, the customers have an unwaivable right to cancel the contract, by any reason within 10 days after the date they sign the contract by notifying our office in writing of their intention and send it by mail or Email.

As a company, we contacted XXXX XXXX to try to understand the situation and he confessed he was instructed to do so by XXXX XXXX. Then XXXX XXXX sent a letter by fax to apologize and saying it was a wrong decision. On XX/XX/XXXX, we received a letter from Sun Trust Bank saying that they will send a check of the funds available ( {$59000.00} ) in 15 days.

When I went on XX/XX/XXXX to the XXXX XXXX XXXX  Branch, they told me they do not have any information. I called to the Customer Service on XX/XX/XXXX, and they told me they do not have any update on the system, and to go to the Branch to get more info about my case.

Definitely, they are not giving me any explanation or taking my case seriously. I am unsure about what is happening with my case and the procedure to follow. Please revise my case in order to have the appropriate information and the release of the funds, the sum of {$59000.00} as soon as possible.
A number of years ago, my wife ( now deceased ) filed an individual bankruptcy. At that time we had a mortgage with Fifth Third Bank. Some after the bankruptcy was complete, Fifth Third added an amount to the mortgage. This was not noticed to me nor is it allowed in the mortgage. I have tried for years to get this resolved but to no avail. The Bank is reporting this as a late payment every month which affects my credit rating and adds costs to my insurance. The rep for the bank said " we did n't charge you we charged the mortgage. '' I fail to see how this is different than charging me. I tried working with a local rep at the bank but the supervisor we tried to talk to would not talk to us and hung up on us. I live to a great extent on social security and this is affecting my credit and my ability to make ends meet. I ca n't even refinance with this showing as late payment every month. I do make my regular payment every month just not the extra which is unexplained and not allowed for in the mortgage.
The collection company is I C SYSTEM INC. The original creditor is XXXX XXXX. I had an outstanding bill of {$440.00} in XX/XX/XXXX. I paid this amount inside a XXXX XXXX  store on XX/XX/XXXX in order to get my service at XXXX XXXX   started again. This company is trying to collect a debt that has already been paid to the original creditor. I called XXXX XXXX and they told me that I don't owe them anything. I called this company to let them know that they need to contact XXXX XXXX but they kept on with their collection and did not contact XXXX XXXX. XXXX XXXX would not have opened up my account again I'd I had not paid.
I was notified by a credit monitoring service that an address was reported to my Equifax credit profile. Its an address that Ive never resided at. Ever since the reported breach from Equifax Ive been having to file disputes for incorrect information being added to my credit profile with this company only.
On XX/XX/XXXX I purchased a Business Education and Training Program called " XXXX XXXX XXXX XXXX '' called XXXX. I purchased Training Packages and the permission to sell the packages.. I paid {$60000.00} for the program and charged {$11000.00} on a Chase Credit Card as XXXX XXXX  XXXX. 
On XX/XX/XXXX XXXX was shut down by the FTC. All XXXX communication and Websites are shut down. Therefore I was unable to sell or get any additional training. On XX/XX/XXXX I notified Chase Dispute Department of the situation. They mailed me a form to fill out and i completed it and mailed it in. 
Since then I have been going back and forth with Chase to send more information and I have submitted information each time. As of XXXX XXXX they sent me a document which I am attaching stating there was no billing dispute. The issue is about " Services not fulfilled. I did  receive about 14 % of the coaching services and reduced the dispute to {$10000.00}.
We are bullying by Wells Fargo, always paid our mortgage on timeOn XXXX XXXX we wrote the check in the amount of {$40000.00} but missed XXXX and filled out in writing, not only the bank cashed our check, they do n't credit us with the payment and charged us {$190.00} late fees. 
XX/XX/XXXX payment was paid in full and we already mailed XX/XX/XXXXpayment. We are contacted by wells Fargo saying that we are in defaultfor not paying XX/XX/XXXX and they will foreclose on us. 
Back in XX/XX/XXXX, we received a statement from WF showing that they did notCredit us the XX/XX/XXXX payment, we called WF and was advised that becauseof the shortage of XXXX, it shows {$4000.00} as pending but theycannot credit the payment. 
Please help!
After I tried to ask if I could make a payment on the XXXX. Which would n't be a small payment. I got told if I did n't make a payment today I was going to be sued. The lady was very rude. Was not helpful at all. I have no problem with paying the debt I owe. I just could not make a payment until XXXX XXXX. And I know it 's illegal for her to tell me that if a payment was n't made today I was going to be sued.
There are two complaints. One against XXXX Mortgage, and the other against M & T Bank. XXXX sold the mortgage to M & T.XXXX stated in their response to my complaint they are waiting on documents showing my payments since XX/XX/XXXX and insurance amounts to M & T in order to resolve the issue of not paying my escrow account in full in XX/XX/XXXX. M & T signed the certified request I sent asking for the documents ( XXXX, signed by XXXX XXXX M & T ) .M & T told me on XXXX they have not received any letter from me.I have the certified return reciept # XXXX.Both compaines have caused grievous harm to me as a homeowner.XXXX violated their obligation to me when they did not pay my insurance in full. Then sold the loan because the insurance was canceled.XXXX and M & T have no quality controls to identify errors in their business, they are both " severely flawed '' and " ineffective '' .The problems are excessive and the error rate on my loan is unacceptable.I have been able to stay in my home with the help of family members.My fixed mortgage continues to go up due to the forced lender insurance and the tacking on of illegagle fees.I spoke with 4 people on XXXX attempting to get from M & T what XXXX say they need to resolve their part of the issues with my loan.M & T in their response stated they need 60 days to review this.I want the Attorner General to review the case
My wife and I both opened a brand new BARCLAYCARD Rewards MasterCard after receiving promotion in the mail. We were both approved and took advantage of the 0 % into for the first XXXX months. We made sure the purchases were made within the XXXX days of acct. opening which we called to verify date. My wife saved her letter but I did not save mine as they were they same. Well she got her bill and they started charging her interest. They literally made her produce the paper which she did and I am attaching her. They made her mail the items in to " prove it '' no the case is getting settled and she will hopefully get all interest reimbursed and the promo for XXXX months. I just got my bill and would do the same thing however I only have the paper that she got not mine. I think they will try and weasle their way out of giving me my promo. so that is why i am filing this complaint. They are terrible in the way they bait and switch. They mentioned well you opened your account online, like something was wrong with that. I said right on the paper to do so with the personal ID code which we both did. I never ever would have opened a new credit card had it not been for this special promo.
I received a refund check from my previous Rental company. It was in joint name of me and my wife. I did not look into the same and tried depositing the check in BOA thru mobile banking. Immediately I realized it was a mistake. However I went to the bank the next business day and got my wife name included in the bank account, but the bank refused to accept the check stating its still under clearance from past deposit, and unless its rejected they can not accept.. I however sent the check the next day, they accepted the check, but they placed a hold for clearance for 10 days. I fail to understand when its my check, my money why is the bank placing hold. I also enquired with check issuing company, they confirmed that they have not placed any hold. 
I tried to call the bank at least 5 times to follow up on the hold status, but they would not share any information. just keep making me run from pillar to post. from one dept. to another. 
I have commitments and bills to pay, and I believe its not fair on the bank to place a hold o my check for such small issue. I think this is discrimination against people and this should be highlighted.
They call from restricted numbers. My phone does not allow this. They call from many different numbers. They use this number to call me : XXXX. I have checked my credit report and no one has taken out a credit card in my name. I do not use credit cards. They primarily deal with credit card debt or old debts. I wish for them to desist and decease from further telephone contact until they can provide me with a debt validation letter proving that they now own the debt.
Company repeatedly contacts me from different numbers from Texas, XXXX, Georgia, Pennsylvania, West Virginia, Virginia, Arizona. All of the day and night..7 days a week
I have a synchrony/ amazon card that I have had and used monthly for a year now. I paid my card off in XX/XX/XXXXand did not use it at all in XX/XX/XXXX. XX/XX/XXXX I did use {$150.00} on that card with a payment due date of XXXX XXXX 2017. I went to make a purchase of {$40.00} last night using my amazon/synchrony card and it denied. I logged into my account and noticed that I had {$1.00} available to spend and my credit limit was {$160.00}!! They decreased my credit limit to just above what I owed on the card. I checked my credit score and Synchrony doing this made it look like I had maxed this card and dropped my credit score by 50 points! No letter or phone call that this was taking place. I have 3 other synchrony based cards that are all in good standing so I am confused as to how they can do this to people? I have had no late payments on my credit report or maxed cards which I know they will try to push. Not the case