WillisBack/dataset-financial-user-claim huggingface dataset:
I was never notified of this debt before it was placed on my credit report. I received no notification of any kind. The first I knew of this debt was when the collection companyplaced it on my credit report. If I had received any notification I could of paid it ( whichI have ) I do not think it is ethical or fair to place something on by credit report without eversending me anything requesting payment.
Transunion File # XXXX Date XX/XX/XXXX Transunion has on my credit report ( XXXX ) unknown XXXX XXXX XXXX Transunion has on my credit ( XXXX ) unknown as Transunion has on my credit some months a ( XXXX ) for months and then Transunion has XXXX. The reporting is not correct as Transunion has XXXX XXXX XXXX. Transunion. On all ( 3 ) XXXX XXXX XXXX loans are not correct it goes as long as a year ( XXXX ) showing and as Transunion effects my credit due to there not reporting right or updating as XXXX XXXX XXXX sent back to me from XXXX as of XX/XX/XXXX that all correct information was sent out to all 3 credit bureaus. Transunion need not report or go months with an ( XXXX  ) as unknown and not update correct on my credit file. It makes no sense or poor reporting practices and information by Transunion not correct.
I have contact XXXX to remove my charge off due to mistakes. They agree to remove the charge from my account but then Equifax reinstate the charge off to my account.
I happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit. XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
At last payment, after 30 years of direct deposit payments, Wells Fargo put s lien on my home for {$150.00} I was never billed for.
Loandepot reported a payment 30 days late. I believe this is unfair, as outlined below : Summary of events.
1. XX/XX/XXXX : Received statement dated XX/XX/XXXX, which showed monthly payment of {$440.00} due on XX/XX/XXXX, with the grace period ending XX/XX/XXXX.
2. XX/XX/XXXX : Made monthly payment, but somehow accidentally indicated a checking account that I dont use anymore.
3. XX/XX/XXXX : Received statement dated XX/XX/XXXX, which indicated that the payment due XX/XX/XXXX was made successfully, and the next normal monthly payment due XX/XX/XXXX, with the grace period ending XX/XX/XXXX.
4. XX/XX/XXXX : Realized my mistake in # 2 above, and so immediately made the payment again.
5. XX/XX/XXXX : Received statement dated XX/XX/XXXX, the first time I was notified of any fees, and immediately made payment of {$500.00} to cover monthly payment as well as the fees.
6. Mid-XX/XX/XXXX : Noticed the 30-day-late reported on my credit report.
Apparently the original monthly payment that was due XX/XX/XXXX was deemed 30-days-late because the payment that I had intended to apply toward that amount owed was applied instead to later fees that I had no knowledge of. 

I believe it is inherently unfair to the consumer to report a 30-day-late payment to the Credit Reporting Agencies when the reason for the payment being late is that the payment was unexpectedly allocated to a more recent charge on the account ( the late and NSF fees generated by my clerical error ).
Further exacerbating this, I was given no notice of said fees until well after it was too late to avoid the 30-day-late status. I paid said fees immediately upon notice.
EXPERIAN IS NOT REPORTING FCBA DISPUTES CORRECTLY ON XXXX ACCOUNTS THAT HAD FRAUDTHEY ARE REPORTING A BANKRUPTCY THAT DOES NOT BELONG TO ME ON A PROSPER ACCOUNT, THEY HAVE VIOLATED AND PUT FALSE INFORMATION BY STATING AS SUCH, XXXX ACCOUNTS HAVE BEEN CLOSED. I HAVE SUFFERED IRRPREABLE HARM. 
I AM BEYONG LIVIDI HAVE NO CREDIT REPORT AS SUCH THEY WILL NOT PROVIDE ME XXXX
On XX/XX/2017 I prepaid my property taxes in the amount of {$5500.00}. I promptly called SLS the same day, spoke with a rep who asked me to upload a copy of the receipt I received as proof of payment. The same rep acknowledged receipt of the proof of payment while I was on the phone and said within 7 days I should get a call back. 

Shortly after the XX/XX/XXXX, I called XXXX back and was told an escrow analysis will be conducted and I should get a check in the mail in about three weeks for the escrow balance. 

I called SLS again on XX/XX/XXXX and spoke with XXXX, teller ID # XXXX, on a recorded line, who confirmed all the above facts ( I asked him to walk through the details purposely to ensure the facts were clear ). XXXX could not advise why the escrow analysis was not done, why no check was sent to me, and asked I give him until close of business XXXX for a return phone call before filing a complaint with the CFPB. I received no such phone call from SLS. 

All calls with SLS are on a recorded line, and after multiple attempts at trying to resolve this with SLS, the CFPB is my only recourse here. SLS has a pattern and practice of mortgage servicing weaknesses, I have to had to file a previous complaint concerning improper withholding of PMI. Thanks in advance for your help.
On XX/XX/XXXX I received an email from PayPal stating that there was an account transfer of funds going to a " XXXX XXXX '' @ XXXX. I did not authorize a transaction for that so I logged on to my PayPal account and disputed the charges. I also called my bank and did a stop payment for the amount that was to be charged - {$800.00}. PayPal then credited my account back the {$800.00} minus the {$2.00} transaction fee. However, in the interim they did not find that the charge was unauthorized so they tried pulling the {$800.00} back from my account. However, because of the stop payment, they weren't able to pull the money back so now my account is negative {$1600.00}. The money is still in my bank to put back in PayPal and I would like to do that, but I don't feel like that is right until they look further into the unauthorized charge. When you google the email address you can clearly see that it is an email from XXXX or XXXX.
My daughter XXXX XXXX was in XXXX where she applied for a student loan and she forged my signature as co-signer. When I found out about it I called the lender and told them I never co-signed for the loan. XXXX got on the phone with them and confirmed that I never co-signed for the loan. Then in XX/XX/XXXX I was notified that the loan was in arrears. I called them and said I thought they had deleted my name from the loan after hearing from me and XX/XX/XXXX that I never co-signed for the loan. They told me to get a police report. I did. I sent them the police report. Still they did nothing about it. Now the loan is 2 months in arrears and my credit rating has dropped over 100 points. I want to be removed from this loan. I never signed for it and I notified the company accordingly. The borrower also notified the company. I want justice. I should not be penalized for a loan I never had anything to do with.
Hello, I am a XXXX who just received my social security card from the US government as I began working on a XXXX funded program. Since I had no credit history, I applied with Wells Fargo bank for a credit card. The application was denied and I was kept in the dark for a week and only received this information when I called up their customer care service. The reason for rejecting my application was lack of permanent residence proof and when I said that I have a SSN, they asked me to fax it or go to the Bank and a representative would do it for me. I went to the branch at XXXX, XXXX and also gave them a copy of my employment letter and the representative said she would call me up the next day and let me know the status. She did not bother to do so and I had to call her and leave my number twice the next day. When she finally attended my call, she said that the application was rejected. I know that Wells Fargo was in the news for cheating its customers last year, this just proves that their service is deteriorating too. The exhaustive process not only affected my credit rating, but also consumed a lot of my time.
On the abpp it says I have problem with my bank information, and it 's just showing me a blue! under my account balance
This just another one of the many issues I have had with GM Financial during the course of my loan. I have requested review of m y account on two occasions within the past 2 years because of loan payments not being applied correctly which resulted in additional finance charges. This complaint has come about due to the non reporting of my correct account balance information after I have called and complained to GMFinancial and disputed the reported incorrect information with the credit bureaus. This incorrect reporting was the cause of a disapproval for credit for a major purchase. This was listed as the deciding factor for the new credit disapproval. At the time of this complaint, my balance is XXXX ( est ) and has been reporting that way since XX/XX/2017 as XXXX ( est ), which is the last date reported by GM Financial. Additional has been requested and can/will be submitted to your agency upon request.
I spoke to customer service and a suporvisor that said on the call they see it was corrected and they were going to far over the letter of good standings ( never got a fax ) and then they came back to XXXX with no change ( makes no sense ... ) it should be off my report! I have spoken to them numerous times and they say one thing than go another route ... It was from so long ago and i believed at those times it was corrected ... i do not have doc on it bc it was so long ago! But i am hoping they will finally admit what they say on phone and take OFF this inquire finally thank you!
I deposited a check on Thursday morning,  XXXX  XX/XX/XXXX . As of today, XX/XX/XXXX   th e funds are still not available. I understand a reasonable hold time  2-3 days, but a week? The check was drawn on a US Brokerage  house and was less than {$1000.00}. The account had never been overdrawn and had been in existence since XX/XX/XXXX  Other banks I deal with would have cleared the check in  two days .
Dear Sir/Madame : Ive disputed the account referenced above with both Collection Agency ( XXXX XXXX XXXX ) And ( Experian ) Credit Bureau about four-six times. I have contacted the collection agency myself via certified letter and phone calls on dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and have been unable to get them to verify that this is indeed my debt. Ive enclosed copies of my requests to the collection agency asking them to validate my debts, and the receipts showing that I sent these letter certified and have yet to receive validation that this debt belongs to me. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. But ( Experian ) Credit Bureau continuously reply and update my report with already been " verified '' without providing me any evidence when requested on. 
Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX This a clear case of unverified debt and these agencies are not following the FCRA and breaking the law. This black eye on my report is making it extremely hard for a middle class tax payer build a reputable credit profile. I beg someone to help me get answers from this Agency or remove this inaccuracy from my report. 
Thank you and XXXX Bless.
I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time, I was pressured into signing documents in which I did not have adequate time to review or discuss with a financial advisor. I was told to sign the papers or I would be kicked out of school. They stated that all my loans were through XXXX XXXX XXXX or through Federal Loan funding. Now in XX/XX/XXXX, I have received a phone call from a collection agency stating that I owe them money in the amount of {$2400.00} to a XXXX XXXX XXXX. My wife called and spoke to XXXX XXXX and they state the actual amount of the loan is {$24000.00}. I have never received paper work in regards to this private loan. I am currently working with XXXX and another company to get my federal and XXXX XXXX loans out of default, it came as quite a surprise that I am being told I owe an additional {$24000.00}. I did not receive a job upon graduation from XXXX XXXX, nor did they assist me in job seeking as advertised by their financial aid department and admissions departments. I am at a loss as to my next step with this school as they have ruined my credit and any hopes of owning a home, car or not having wages garnished.
I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXX. The file was not removed from XXXX.
I had a small tax liability with the State of XXXX from XX/XX/XXXX for {$510.00}. I had moved to XXXX XX/XX/XXXX so did not receive any notification of this liability. The State subsequently filed a lien that was picked up by all 3 credit reporting agencies. I did not realize it existed until I purchased a car in XX/XX/XXXX. I immediately paid the debt that had grown to {$810.00} with penalties and fees. I contacted the State of XXXX and they agreed to cancel the lien from record because there was no real notification that the debt was ever owed. I sent this documentation to all three credit reporting agencies. XXXX and XXXX did an investigation and removed the lien from my file immediatly. Equifax , however refuses to remove the item. I have requested 3 times by certified mail the name and contact information from a person at the XXXX Department of Revenue that is stating this record still exists, but have received no response. I can only conclude they have done no investigation. I have contacted XXXX Department of Revenue to follow up and they tell me they can do nothing from their end if Equifax is still reporting it. 
I am XXXX years old and this is the ONLY derogatory item on my credit record. My State and Federal taxes are paid in full. I am in the mortgage industry as a profession and have to be licensed in every state I conduct business. There are states that will not give me a license because of this derogatory item. This affects my ability to earn more income and pay more taxes. Nobody wins in this situation and it baffles me that Equifax is so reluctant to report this accurately.
Creditor XXXX assigned collection company to destroy my credit and collecting a debt that was paid.It appears that XXXX added more charges of {$540.00} with Collection company and trying to settlement for paid charges of {$350.00}. This debt is old of debt of XXXX from around XX/XX/XXXX and Collection company has falsely updated to XX/XX/XXXX. I should n't have to pay for a debt that has been paid in full with XXXX. Why XXXX sending me to collection and destroying my credit. The collection is showing on my credit report with XXXX, XXXX, XXXX and I can not obtain any credit to purchase a home or support my daughters education. I am Divorce with limited income as my employer downsize my daily hours and now my monthly salary is at {$XXXX} a month Notice : Northland Group Inc Reference number # XXXX XXXX XXXX XXXXXXXX, XXXX, Minnesotta.XXXX XXXX Creditor XXXX XXXX XXXX XXXX  XXXX Account last four # XXXX
The cfpb is currently suing your company/respresented company. Per a consent order filed, all collection activity must stop and all funds must be held in an escrow account until a settlement is reached. As of XX/XX/XXXX, a wage disbursement order was faxed over to my employer XXXX XXXX, requesting that funds be withdrawn from my paycheck and mailed directly to your company. I have no been notified of any settlement reached. If none has been, then this is a violation of the cosent order in place.
A couple months ago I signed up for the Amex Premier Rewards Gold card with an offer for XXXX after spending {$2000.00}. I met the spend and the points were awarded in pending status. There was a return on one of the purchases and the bonus was taken away which I understand since I had not met the spend. 

Eventually I met the spend again, received confirmation ( see attached email from Amex ), and the points were awarded. A few days ago I wanted to transfer the XXXX points that I currently have and I received the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I chatted with customer service and I was told that I needed to wait until the review was over to have access to my points again. I also called the Membership Rewards department and the person confirmed that my account was in good standing but my points were subject to this review and it could take up to 8 weeks for Amex to unfreeze them.
I called to speak to someone regarding my past due student loan, the rep proceeded to ask my information including my place of employment which I gave him but I did not give him the phone number of my employer because I clearly stated " I can not receive personal calls of ANY TYPE '' he argued with me stating that they would n't call they just need the number, I again said I was not going to give that information. I was unable to complete the call at that time because I was on a time restraint and said I would contact them back later that week. A few days later a rep called me at work when I was off, which means whoever called took it upon themselves to not only call after I CLEARLY stated not to but to also LOOK UP the phone number to my employer because I would not disclose that information. I called them back and spoke to a supervisor who apologized and said it was against policy to call my employer when I had asked them not to and the rep that did so would be reprimanded and it was a mistake. I was very upset and again the issue at hand had not been resolved regarding my loan. This company has since called my employer TWO more times. I called them back and explained AGAIN that they CAN NOT call my employer and the rep told me he did not see a note on my account until he had already called and that by law they ca n't call if there 's a note so they would not be calling again. I have already been reprimanded by my employer multiple times regarding these people continuously calling. I explained I could lose my job over this after the first time they called yet they called again 3 more times. Obviously my request is not being taken seriously and this was my last resort to stop it.
Last XX/XX/XXXX I paid off my Citibank card for the last time. I always paid my balance in full by the due date and never carried a balance on this or any other credit card in 30 years. After I made the XX/XX/XXXX payment, for the full balance, I canceled the card and destroyed it as instructed, so I don’t currently have the card number.However, Citibank's phone workers ID numbers XXXX, XXXX, and XXXX (who gave his name as XXXX), were able to pull up my account from my name and date of birth. Citibank claimed that my payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX or XX/XX/XXXX, depending which phone worker was talking to me. They also said a late fee could be waived as a courtesy, but they never offered me this courtesy when I phoned about it months ago after receiving the first statement with a late fee on it (and no purchases, because I had canceled the account). Every month they add another late fee on the late fee, and interest on the late fees, and now I’m told the balance, which I paid to XXXX in XX/XX/XXXX, is now over XXXX Two of the phone workers told me only one late fee could be waived, even though the subsequent ones are bogus, based only on the first late fee. However, they won’t waive the first one that caused all the others.XXXX told me he had a supervisor, but refused to escalate my call to that person.As I see it, this whole scheme is fraud on Citibank's part. There may also be negative consumer credit reporting related to this.
Dealing with this company has been utterly ridiculous. They've had my account since XX/XX/XXXX, yet I still can't view my account details online nor make a payment online. " Due to the status of your loan, please contact us directly to discuss available payment options and verify amounts due. '' My XX/XX/XXXX payment date came and went because they wouldn't allow me to make a payment due to their 'auditing ' of my new account. Finally on XX/XX/XXXX I was allowed to make what should have been my XX/XX/XXXX payment ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} ... but, they applied it incorrectly to XX/XX/XXXX. I  had already made my XX/XX/XXXX payment to my prior servicer. So, I rounded up the documentation and submitted that to them approximately 2 weeks ago. They still haven't resolved that issue. In the meantime, my XX/XX/XXXX payment is now due. I called on XX/XX/XXXX and spoke with Rep ID XXXX, XXXX, and she told me they can't accept a payment at this time. I asked her why not because they already accepted that previous payment from me. She said my account was still being audited. It's been 2 full months now since XXXX has had my account and they still haven't resolved my misapplied payment nor will they allow me to make my XX/XX/XXXX payment. What terrifies me now is they are going to end up reporting incorrect information to the credit bureaus. Calling XXXX is a complete waste of time. Every rep you speak with seems to know very little about the process and they offer no solutions.
I was told that after ten months of making payment toward my student loan, I will be eligible again for federal student aid to attend college. 
Well, I reapplied this year and am still getting the same " The National Student Loan Data System ( NSLDS ) indicates that you are in DEFAULT on one or more federal student loans. You are not eligible to receive any federal student aid until you resolve any loan default ( s ). '' Please see attachments. 

Note : I am in the country of XXXX XXXX but I selected XXXX ( the closest country to mine ) because my country is not listed among the countries to choose from. Thanks.
I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result.
This old Wells Fargo Bank account is causing me irreparable financial harm. I was issued a XXXX Cancellation of Debt years ago.