WillisBack/dataset-financial-user-claim huggingface dataset:
Experian continues to report my mortgage incorrectly resulting in me being denied refinancing even by the institution that currently holds my mortgage ( XXXX XXXX ). My current mortgage holder 's ( XXXX XXXX ) underwriting department indicated they are compelled to go by what is in my Credit Report although they have other supporting documentation. XXXX XXXX also provided me with a letter from their executive office confirming my claim that what Experian is reporting is NOT accurate. Experian keeps sending me cookie cutter response stating the " credit grantor has verified its accuracy ''. Its refers to the credit report. I not only submitted to Experian the letter from XXXX XXXX, but i also circled what was inaccurate on their credit report and referenced the letter. In addition, I pointed out that the negative according to their report status is due to drop off by XXXX XXXX anyway. 
Problem : XXXX XXXX I refinanced my home with my now ex. He took the refinance money which XXXX XXXX can confirm using bank statement and I provided copies of in Civil Court. In XXXX due to his shenanigans, foreclosure proceedings began. I pulled my home out of foreclosure and secured a loan modification with XXXX XXXX ( XXXX XXXX ) in my name only. In XXXX XXXX I was awarded a Quiet Title to my home and have been making payments on time without exception. 
Experian is report my mortgage as an individual account from XXXX XXXX until present which creditors are viewing as I was solely responsible for the foreclosure being initiated. 
XXXX XXXX 's letter clearly states that " ___ is the only one liable for this loan since the modification dated XXXX XXXX. I have enclosed the original Deed in Trust dated XXXX XXXX, XXXX, between ____ and ___ as joint mortgage holders. '' In addition, I provided Experian with a copy of their own credit report from XXXX XXXX, XXXX where they account was reporting by Experian as joint to further prove to them that what they are now reporting is NOT TRUE. The documents are there in their own data base along with XXXX letter generated from an executive in the president of XXXX XXXX 's executive office. 
Experian 's letter further states and I quote, " : we will not reinvestigate the same dispute again at this time. '' I take issue with this because it is clear Experian has chosen not to look at the evidence showing a preponderance of facts that their report is : misleading, biased, inaccurate and continues to adversely impact both my personal and business ability to become whole again and prosper. In fact, this is covert financial abuse.
My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX XXXX XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from XXXX and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as XXXX XXXX. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.
I live in XXXX, drove XXXX miles to XXXX to XXXX store ( XXXX ) tried to pay with credit card issued by Chase, it denied my transaction, I called the number behind the card, talked to a representative about it, for 15 minutes, i thought everything was fine after the conversation, returned to the cashier and again declined. I called back to credit card customer service, talked 30 minutes until no more battery on my cell phone, I left the things I intended to buy and drive back home for XXXX hour or so. 
I was expecting that when your credit card is declined, XXXX phone call from you fix the things, but not. 
My question, what the customer should do in this situation?
My student loan servicer is  Navient . I have submitted all appropriate documentation for ym income based re-payment plan since my graduation in   XXXX   XXXX  . I have submitted twice and spoke with several different people since this time. I am receiving emails stating there are documents in my inbox on their website but can not find any documents. I have brought this issue up and the representative pushes the issue aside and never address it. As of today  X/XX/XX  I have not been approved, denied, or placed on any kind of repayment plan. I keep having to forbearance my loans or make partial payments. I feel that I am stuck and helpless in trying to pay back my student loans. I am trying to repay my loans but  Navient is  not helping or working with me to resolve. I feel whats in the best interest of the customer/student repaying is not a priority.
I have written to this company and the previous alleged owner of this debt ( XXXX ) XXXX times and I have not received any response and/or verification of this debt. This account was previously owned by XXXX and they have now notified me that LVNV Funding has bought this EXPIRED debt. I verified with XXXX, XXXX and XXXX that this company and the previous company had not verified this debt in accordance with FDCPA section 809 A & B. No signed contract, canceled check and accountings as requested per my XXXX and XXXX letter to verify this debt was ever received. Also, please be advised the STATUTE OF LIMITATIONS for this account has expired. Also, this company allegedly purchased the debt on XX/XX/XXXX. This is NOT the date where the statute begins for an open ended account. This is an expired debt. The State of Nevada has a Statute of Limitations of XXXX ( XXXX ) years. This is an alleged debt from XX/XX/XXXX. As of this date, I still have Not received any paperwork, and/or verification of this debt from neither company the previous alleged owner : XXXX or the new company LVNV Funding , LLC.
I had contacted mariner finance about the account showing closed and collections account on my credit reports and they said its not closed but went to a collection status when i missed XXXX payment. And now its currant and have been paying them and still shows closed on my credit reports with no payment history showing. So every payment i make doesnt show. And its not a closed account its still active. And they refuse to fix it .ive contacted there corporate office and left messages and no phone calls back to let them know whats going on. I would like this fixed cause it has dropped my score and 2 other people on this loan as well..
To whom it may concern, I have asked and wrote a letter to Experian and XXXX  on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 to investigate the medical accounts being reported and have asked for the proof showing that XXXX XXXX  XXXX  has my consent to report my medical information in accordance with HIPPA laws, and nothing was shown to me to date. I have asked for more information because this account was reported without a proper investigation and was reported without complete information. Also, this account has been damaging my credit report for so long and I needed help from your agency to sort this out. 

I am looking forward that your agency would help me and get Experian and XXXX  more involved in investigating this account. 

Sincerely, XXXX XXXX
Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.
During XXXX XXXX of 2016, two obviously related companies each sent my XXXX year old daughter ( who looks XXXX ) a {$5.00} tube of Anti-Aging Cream, which she had never ordered. Each company then charged my wife 's credit card about {$100.00}. I phoned both companies and they both indicated that they had no record of my wife or daughter in their files ( making it impossible for me to cancel an order if one had actually been placed ). I phoned Citi Bank and told them of this fraudulent activity. ( The woman I spoke with on that first phone call told me she was aware of these two companies and had received similar complaints about them in the past. ) I asked that these charges be removed and that no further charges be accepted on my card from those two companies. The following month, each company charged an additional {$200.00}, and a few weeks later, {$200.00} more was charged for a grand total of about {$600.00}. I inadvertently paid {$400.00} of those charges when I was paying a credit card bill in a hurry without reviewing all of the charges that were on it. The final {$200.00} I did not pay. I have been corresponding with Citi Bank since the first {$200.00} was charged to my card, and I have even sent two letters to the CEO of Citi Bank. She refuses to have these charges removed ( even though Citi Bank advertises that " you will never have to pay for charges you did not authorize '', and claims that {$600.00} is a reasonable amount to pay for two {$5.00} tubes of Anti-Aging Cream that were never ordered in the first place. Now, the bank is threatening to turn me over to a collection agency because I refuse to pay the final {$200.00} of these fraudulent charges.
Citibank sent me a mail promotion for XXXX AAdvantage miles for opening a Citigold account and satisfying some qualifying activities. These qualifying activities were opening a new Citibank checking account and making qualified debt card purchases of {$1000.00} and doing 1 or more online bill payments for 2 consecutive months within 60 days of opening the account. I finished all the requirements 2-3 months ago and last month was told that my points would post in the XX/XX/XXXX billing cycle. When they did not post, I contacted Citibank and they informed me that there was no such promotion for me and that I would not get the miles
Transunion allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Account NameCHASE CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via XXXX  online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.
I signed up for  XXXX   XXXX  at the end  of 2015. A fter falling into financial hard times, I tried to work with them to end my contract. I was later sent messages from an employee named  XXXX  who said he got someone to take over my contract. I never heard anything else from them. Now I am receiving collection bills saying I owe over {$1300.00}. I was given false information from the company and now they are trying to collect.
I have emailed and mailed a copy of my Bankruptcy discharge to Capital One numerous of times in 2017 for the amount of XXXX which was included in my Bankruptcy discharge. Capital One has acknowledged recievment of the document, but its still listed on my account. I would like this information deleted from my credit report as it is not accurate.
I do have to start by saying I thought I had already submitted this but it was not submitted due to internet issue at the time, we had extreme weather which caused internet issues. My complaint is against Synchrony Bank. My wife was laid off and we fell behind on our bills. She is currently back to work and we are catching up on the bills. We received a letter for your amazon account for a settlement of XXXX over 3 installments. I had JUST received a health insurance stipend at work and I wanted to take advantage of this ASAP. The DAY I received this letter for the settlement I called. The first rep refused to accept the settlement amount. He refused to accept a payment on the account. After waiting on hold for 30mins for a supervisor. I was advised there was nothing that rep could do and that I had to call Right back to speak with someone that could help me. This made no sense to me. I was just trying to make a payment. I then called back and spoke with XXXX XXXX in XXXX XXXX ID # XXXX who said he would only take the payment in full and basically there was no letter sent. His supervisor also refused to honor the letter. I advised them That I had enough to do a XXXX % settlement in full If they were willing to do that. They refused any wettlement on the account and would not accept any payment. At that point I advised them I would file this complaint they did not seem to care. 
The next day I called back and spoke with a XXXX XXXX I believe. I honestly do not remember his name. We advised me that since I did not set up the payment arrangement the day before the settlement went up to XXXX. The fact is that I did try to make a payment the day before with XXXX reps and they would not take my payment. Why would the bank issue a letter and say one thing and it mean is n't even true. I am willing to make this in three payments. But what I would l really like to do is settle this with a one time payment of XXXX % which was roughly {$660.00}. I have enough to make the XXXX % settlement in a one time payment. But my main concern is the false letter I received from synchrony bank. Why would they send it out if they wont even honor it?
Chase bank held a $ XXXX HELOC on my house when I filed for Chapter XXXX. In the course of the Chapter XXXX the Chase lien was stripped. I am now refinancing my primary loan and received a call from the title insurance company who said they could not verify that Chase has removed the lien. I have since recontacted my attorney and collected the confirming paperwork. My attorney verifies in no uncertain terms that the lien was stripped. Chase has now agreed to a payoff of {$1.00}. So it appears to me that all this time ( about four years ) Chase has held on their books this lien on my property as an asset rather than having done the paperwork to write it off. If this a widespread practice at Chase, and I have no reason to believe it is not, Chase books are overstated and Chase is likely over leveraged. And though the {$1.00} is no big deal, why is it that there is any payoff?
It will often take 2 weeks or 3 working weeks for them to post my next payment amount ( from the beginning of the month. They will actually take more than a month to post the next payment amount in general. They refuse to process them faster. I believe they are doing this to gain more money in interest payments.
Good afternoon - I am writing in regards to my PMI ( Private Mortgage Insurance ) removal from my FHA Loan. I been paying my mortgage on time for over 4 years now ( Closed on the house in  XXXX   2013  ). I have asked the mortgage company multiple times to remove the PMI from my loan which is about {$450.00} per mo nth ( cl ose to {$5500.00} a year ). This is an extreme amount of money and is putting a huge financial strain on my family and finances. I have called and i sent messages to the bank and i keep getting rejected every time. I am always paying the mortgage on time and have never been late up to this point.
CITIBANK AA Credit Card XXXX 2017 Statement I did a balance transfer approx XXXX XXXX with zero interest early this year. while paying it off monthly with more than minimum payment requirement, I have not made any new purchases. 

When the annual membership fee came in ( {$95.00} ), it was treated as a purchase, and so I was charged interest. 

I called a representative when it first happened and that interest was credited ( XXXX XXXX ) the following month, they charged me again with interest membership fees should not be treated as purchase
On XX/XX/XXXX I purchased airline tickets for my XXXX Vacation Trip to visit my family in New Jersey using my XXXX XXXX XXXX XXXX XXXX XXXX ( See Attached ). I purchased an Economy Fare for which I was notified that this fare did not allow me with overhead bin access for my carry-on bag ... I was not bothered by this as I was using my XXXX XXXX XXXX XXXX for this purchase and my card benefits allowed me one bag under my seat and one bag in the overhead bin ( See Attached ) ... When I checked in for my XX/XX/XXXX flight I was advised by the ticket agent that I was only allowed access for one bag that could fit under my seat and that I would need to check my other bag for a {$25.00} fee ... I advised the XXXX XXXX agent that my Credit Card benefits allowed for one ( 1 ) personal item that fits under my seat and one ( 1 ) Carry-On bag ... I proceeded to show the agent my XXXX XXXX Credit Card and even pulled up the XXXX Economy Flight Policy on the internet showing her my benefits ... She took my Card and called the Credit Card Company and they told her that my Credit Card did NOT qualify for this benefit ... Once again I showed her the policy that was on the XXXX XXXX website and she went into the back office to get her manager ... Her manager reviewed my Card and she agreed that my Card did not qualify for this benefit ... She told me that I had the XXXX XXXX XXXX and that only the XXXX XXXX XXXX qualified for the Carry-On Bag benefit ... The Web-Site ONLY states " XXXX XXXX XXXX XXXX '' it does NOT differentiate the Red or Blue colors ( See Attached ) ... I feel that this is a clear violation of the UDAAP regulations as in my mind this is an extremely deceptive practice. The ONLY reason I have this card is for their Travel Benefits for which I was denied ... This also caused me to experience over a one ( 1 )  and a 1/2 hour delay after landing because my bag ended up being misplaced and ended up in another terminal which caused me added travel stress ... It also caused me to be extremely late for our annual Family XXXX Party ... On my return flight on XXXX XXXX, I just went ahead and checked my bag and paid the additional {$25.00} Fee ( See Attached ) rather than having another dissatisfactory Customer Experience.
My mortgage company ( currently Home Point Financial Corporation, formerly Stonegate Mortgage ) provided me a notice in writing on XX/XX/XXXX that my mortgage insurance premiums would be removed when I reach a loan-to-value ratio of 78 % or lower and make 60 monthly payments. I did this, however, they kept charging me the premiums. They over-charged me by {$580.00}. They have stopped charging me, as of XX/XX/XXXX. 
I have made attempts over the phone, via email, and through their customer portal online to request the refund, however their response is that they looked into it, and that I'm not owed a refund. They will not tell me who I can talk to in order to appeal the decision
In XXXX 2015 I discovered that there was A Judgement on my credit reports that was not mine. This judgement was entered in XXXX ( NY ) City Court and a transcription of this judgement was filed with the XXXX County ( NY ) clerks office. I went to XXXX ( NY ) City Court in XXXX 2015 and the judgement was vacated by the Honorable XXXX XXXX XXXX. The City of XXXX claims that notice of this order to vacate judgement was sent to the attorney that was acting as a collection agency, XXXX XXXX XXXX of XXXX NY. The XXXX City Court will not give me any of this documentation. It has now been 10 months since this judgement was vacated but it is still on file in the XXXX XXXX ( NY ) Clerks office. When my credit profile is pulled this judgement is still showing in my files adversely impacting my life. I checked with the XXXX City Court and they tell me that the judgement in fact was vacated and that the collection agency, XXXX XXXX XXXX needs to notify the XXXX XXXX Clerk of the true and correct status of this judgement so that it will be reported accurately to credit reporting agencies. I sent written communication to XXXX XXXX XXXX on XXXX XXXX, 2015 via USPS Registered mail. This letter was delivered on XXXX XXXX, 2015. In this letter I asked that XXXX XXXX XXXX office complete their duty to report the correct status of the judgement that was vacated to the XXXX XXXX Clerks office so that it XXXX be XXXX and expunged and all records could be made accurate. I did not receive any reply from XXXX XXXX XXXX office. Today, I went in person to the XXXX County Clerks Office where they told me the judgement was still on file and there was no information that it was vacated. I told them to remove this record and they would not, saying that they needed official notice that it was vacated. I then went directly to the XXXX City Court to get documentation for the XXXX County Clerk. I was again told ( for the third time ) that this documentation was sent to XXXX XXXX XXXX and that was the party that need to correct the records of the XXXX County Clerk. I informed them that XXXX XXXX XXXX refused to do this but I was not given any other avenue to correct this incorrect reporting to XXXX County on my own. I am aware that the continuance of XXXX XXXX XXXX to report information that they know is incorrect and or inaccurate is against the law.
TRANSUNION HAS REFUSED TO INVESTIGATE AS FRIVOLOUS IN CFPB XXXX.THE REPORTING ORIGINAL CREDITOR XXXX, ACCT # XXXX HAS ASKED THE CFPB IN XXXX FOR MORE TIME TO INVESTIGATE THE SAME CLAIM.TRANSUNION DECLARES THE CLAIM TO BE FRIVOLOUS ON THE CREDITOR THEY REPORT.THE ACTUAL CREDITOR REPORTED ON, XXXX DOES NOT FIND THE CLAIM TO BE FRIVOLOUS.TRANSUNION WANTS TO PREVENT THE 30 DAY TIME PERIOD FOR INVESTIGATION FROM TAKING PLACE WHICH IS MY RIGHT ON THIS FRAUDULENT REPORTING ACCOUNT.TRANSUNION IS THE EXTORTIONATE ARM OF THE FRAUDULENT REPORTING CREDITOR.IN THE CFPB XXXX I HAVE DETAILED THE INACCURACIES SPECIFICALLY AND WHAT IS INCOMPLETE SPECIFICALLY THAT THEY REFUSE TO ADDRESS. 
I HAVE ATTACHED THE XXXX PAGE OF XXXX INVESTIGATION XXXX AS PROOF OF XXXX ON -GOING CURRENT INVESTIGATION AND I HAVE ATTACHED THE PERTINENT FCRA LAW THAT IS APPLICABLE TO TRANSUNIONS INACCURATE REPORTING OF DOFD, ETC.
I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to Ad Astra collection agency requesting documentation this agency has the right to collect on a discharged debt. Ad Astra sent me a letter advising me this collection was assigned to them ; however, Ad Astra fail to provide me in writing any written agreement between Ad Astra collection agency and XXXX XXXX. The information provided was the loan agreement signed with XXXX XXXX, whom choose to charge-off this balance. I contacted Ad Astra by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between Ad Astra and XXXX XXXX ). Ad Astra representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and Ad Adstra doesn't have the right by law ; Ad Astra change the reporting payment to reflect past due which cause my credit score to drop by 12 points.