WillisBack/dataset-financial-user-claim huggingface dataset:
I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of XXXX therefore my late pays from XXXX of XX/XX/XXXXdo not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.
Collector named, XXXX XXXX of Portfolio associated and XXXX, who both claim to be in management, refused to transfer me to management after I stated they are abusive on the phone. They would not transfer me to management, and hung up on me. All this is after I sent a letter to CEASE CONTACT, in writing.
First called from a local number then left a voicemail that stated they were from some place called XXXX XXXX out of XXXX Ga. They threatened legal action stating I owed money to a place called Cash Central and that they were getting ready to file paperwork for legal action and that the processing servers were looking for me as we speak. I do not owe any debt from said company. They have repeated called relatives and others looking for me.
Transworld Systems INC, a debt collector reported that I was delinquent even after I made payment of complete agreed upon amount towards settlement. 
Transworld Systems INC had confirmed that they will not report if I make the full settlement payment. After I called and informed they corrected their reporting error, but the harm was done by then in terms of incorrect reporting to Credit Bureau 's resulting in my lower score for the month XX/XX/XXXX. 

I would appreciate if corrective actions are taken before incorrect report is sent to credit bureau 's. 

XXXX XXXX
Company keeps calling me asking for a particular person. I do not know this person. I have asked several times for them to stop calling me and they still call. I do not owe the debt and I do not know the person they are trying to reach.
Today XX/XX/2018 XXXX a debt collector called me repeatedly 18 times in a row. XXXX never leaving voice mails just constant calling while Im at work.
We were told that we have a past due payment on our mortgage account but we were n't told the month the payment was not received in XX/XX/XXXX or XX/XX/XXXX. I do n't even know the exact month and year we missed the payment. We never received a past due statement until XX/XX/XXXX and now we 're seeing a delinquency payment on our credit report. Also, we applied for a loan modification in XX/XX/XXXX of this year XX/XX/XXXX, and we were denied because the mortgage company said we were current on our loan, had received a previous modification and had positive cash flow. We 're confused because on XXXX hand they say we have a past due payment required but they have not provided us with any proof of this. We 've shared with them that they changed mortgage companies and maybe this is when the payment was misplaced but we have a history of paying our mortgage payments every month. On the other hand, it shows that they are saying we 're current on our loan. In addition, we were told that because we are in the XXXX year of our loan we qualified for a XXXX time credit of {$5000.00} from the Federal Government. They sent us a request form to fill out for the credit if we wanted it. We agreed, signed the papers, and our mortgage was supposed to change once the credit is applied to our principal, and then our monthly payments will be lower from {$2200.00} to {$2200.00}. This has not happen and our payments are being misconstrued. I feel like we 're being taken advantage of by this mortgage company, and we need help to have this situation investigated. 
Thanks
I applied for an auto loan online with XXXX, a Division of SunTrust Bank, via their advertisement on XXXX. They gave me the option to have my personal information forwarded to another bank in the event I was n't approved for their loan ; I denied the option. They did n't approve me for the loan, and made a " hard inquiry '' on my credit report which caused my credit score to go down. I knew my credit score before filling out the application. Why did n't they simply tell me the required credit score so that I could avoid the " hard inquiry ''? I suspect that they want people ( that they are going to deny ) to fill out the application so that they can earn a fee by forwarding their personal information to other banks.
NAVY FEDERAL CREDIT UNION CONTINUING TO REPORT FALSE AND INACCURATE INFORMATION AFTER HAVING BEEN DISPUTED MULTIPLE TIMES. COMPANIES FAILURE TO PROVIDE ADEQUATE PROOF OF DEBT WHEN REQUESTED WHEN REQUESTED MULTIPLE TIMES SINCE XX/XX/2015. CONTINUES TO TARNISH CREDIT WORTHINESS AS A RESULT. AS A RESULT OF TARNISHED CREDIT WORTHINESS I HAVE BEEN DAMAGED FINANCIALLY AND MY CREDIT REPUTATION AN EMBARRASSMENT BECAUSE OF NAVY FEDERAL CREDIT UNION CONTINUING TO HARRASS ME BY MEANS OF DAMAGING MY CREDIT AND PROVIDING FALSE INFORMATION TO ALL XXXX CREDIT BUREAUS, EVEN WHEN DISPUTED.
SUMMARY : 1. Bank of America refused to give me a receipt for cash money received. 
2. Bank of America charged me at the higher Cash Advance interest rate for services rendered
I have sent a couple of complaints and they appear to get closed as soon as 21ST Mort. answers. 

There are still issues with my account, although instead of me carrying this out forever on XXXX XXXX XXXX I sent an email to their attorney 's office requesting information on a hardship package and or information on what they offer since they state I am a payment behind and I feel that I am not and there is no way for me to make two payments in a month.
They also state the account is not on escrow at the moment, and I was credited for {$35.00} for when they did do the escrow. ( I do n't have escrow account ) but it was done more than 5 payments. 

I had n't heard any response on the XXXX XXXX email so I sent a follow up on XXXX XXXX XXXX and still have n't heard a response. 

Apparently in researching them on line I am not the only person with these issue.
I have been forwarded from XXXX to Navient for my loan service and it seems the information was transferred incorrectly. They have it noted that I am to pay loans ( XXXX ) for XXXX XXXX XXXX  XXXX back which was taken out on X/XX/2007. The issue is, I did not attend XXXX in 2007. I  was attending XXXX XXXX University. They have it incorrectly listed ( which leads me to wonder what else is wrong ) but I called them to have it fixed before I started paying on the loans. I spoke with someone and was forwarded to a hold where it said I had a minute wait. After waiting 20 minutes on hold, I finally hung up and called again. After explaining the situation and possible resolution to the lady I spoke with multiple times, she said to hold for her supervisor, then came back on the line and hung up on me. I just need this resolved and have been working way to hard to fix this and they 've made it nearly impossible to work with. I have spent the greater half of my work morning on this. They have no email address to contact if there 's an issue and it seems like they always have a " poor connection '' via phone.
Payment arrangements have been made to Portfolio recovery monthly in the amount of {$250.00} per our settlement arrangement. They have taken my first XXXX payments out and applied it to my account. They have not taken the last XXXX payments that I have wired to them and applied it to my account. I have difficulty trying to understand anyone that works for that company and they are not working with me to resolve this issue.
On XXXX/XXXX/XXXX I was expecting a cash deposit of {$1300.00} in my SunTrust account before releasing an item that I was selling online. The deposit was made at the SunTrust branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXXL XXXX at XXXX. After seen the updated transaction in my account I released the item. Few minutes later I noticed that the cash deposit was reverted, so immediately I called the bank. I spoke with the branch manager and she told me that the person who did the deposit went back to the teller and asked for a cash reversal. The teller without questions or ID verification gave him/her the money back from my account without my authorization or any prior notice, so the person got away with the money and the item. 
On the same day I submitted a claim that has not been solved yet. Today XXXX/XXXX/XXXX, I still waiting an answer from the SunTrust Bank. 
I hope you can help me to resolve this issue.
Just by coincidence my mortgage company customer service dept told me my escrow was almost {$5000.00} short. With further digging I was told that when I refinanced in XXXX 2015 the homeowners insurance somehow was not included by the servicer although it is on the good faith estimate and the HUD statement. This means for last year no money had been put in my escrow for homeowners insurance although my monthly payment at closing was calculated based on taxes principle and insurance Now I face an extreme shortage in XX/XX/XXXX which is when Texas does annual analysis. I am so angry thinking that all along all my fees were being paid when I paid my monthly payment. I have spoken with the mortgage company and the company that did the refi application today and they are looking to see what happened. They should be held responsible as they made me have this shortage. If my monthly mortgage payment was to include my homeowners insurance, where is that portion of my monthly going if it has not gone towards the insurance?
FRAUDULENT INQUIRES WERE INITIATED ON MY CREDIT FILE. A FRAUDULENT INQUIRY FROM EQUIFAX MORTGAGE SERVICES & A FRAUDULENT INQUIRY FROM XXXX. REMOVE FRAUDULENT INQUIRIES FROM CREDIT FILE.
We filed for a V XXXX A XXXX home loan and recived aletter from veterans united home loan of denial for the following reasons attachs XXXX and XXXX they said credit score had to be XXXX XXXX XXXX XXXX said my report was XXXX and my wifes was XXXX we bought XXXX vehicles from XXXX for the amount of XXXX dollars. these people say we have collections and derogatory public records and we do not have either. Also they are using a gov name that they should not.To my and a lot of Veterans these people are a fake none of them are for Veterans of America.
Wells Fargo is at it again with it 's XXXX discriminatory attempted extortion XXXX!!! I have received a notice of intent to foreclose ( attached ) on my property for NO apparent explanation after paying my monthly mortgage payment on time every month, and Never 30 days or more late. Even though with Wells Fargo fully knowing that I have a negative amortization toxic XXXX PICK A PAYMENT loan that they continue NOT to provide a new revised loan on because I 'm a XXXX, as their representatives in Texas have personally verbally said before, and they want to take my property!!! All of a sudden have changed the monthly mortgage amount unbeknownst to me, nor has any document communication stating any change has been provided to me in writing as a consumer regarding the monthly payment amount. Attached are ALL monthly payment receipts that have been made, and the last PICK A PAYMENT statements breaking down the payment options, and monthly amounts due per each XXXX UP option .....
In XXXX of 2016 my vehicle was total lost in a not a fault accident. Shortly thereafter my primary insurance carrier settled the claim. I made the last up to date payment on or about XX/XX/2016. On XX/XX/2016 I made a new car purchase from the same dealership that I have been dealing with for the past 7 years starting at a zero balance. I had additional Gap insurance to cover residual debt in the event of a total lost situation. to my surprise I discovered that the unregulated out of state insurance company out of Florida breached the standing contract with me! this caused the lender to charge off the debt to my credit report which I disputed, and I provided all the necessary documentation to this affect. The lender write off the debt, but reported that I was suppose to continue to make the monthly payment to them on the loan. All XXXX bureaus were contact both before the charge off, and after the charge off in writing in a escalated dispute. however XXXX XXXX has refused to adhere by removing inaccurate information regarding my dispute with them.
My name Is XXXX XXXX. I have sent numerous letters ( certified ) to Equifax Credit Reporter Agency, in regards to information ( 5 derogatory remarks ) from XXXX XXXX XXXX, that they have not " verified '' in accordance to FCRA Law through their investigative practices. I have sent 4 certified letters to Equifax about this matter They have responded each time, that their investigations of my complaints against XXXX XXXX XXXX, has been " Verified. '' In each of my response back to Equifax, I noted that " In accordance to FCRA section 609 ( a ) ( 1 ) A and section 611 ( a ) ( 1 ) A, Equifax has not supplied me with any original documentation ( including my signature ). Furthermore, under section 611 ( a ) ( 7 ) they had failed to provide me with any information regarding their verification methods. '' In my last letter dated XX/XX/2018, with regards to my pending lawsuit. It states that " Under section 611 ( 5 ) ( A ) of the FCRA regulations, Equifax has ( 15 days ) of receipt my letter, Equifax must delete any and all remarks, which could not be verified. '' Again, Equifax responded in a letter ( dated XX/XX/2018 Note : 16 days after the deadline! ) stating the XXXX XXXX remarks had been " verified. '' Included in my response was a copy of my latest XXXX   Credit Report 's investigation of the same 5 derogatory remarks by XXXX XXXX that had been " deleted '' through their investigations. Also at Equifax 's behest. I included a filed Police report of fraudulent activities against XXXX XXXX XXXX for unsubstantiated negative remarks on my credit report. This is my " Final '' attempt to resolve this issue amicably. I will seek financial relief through my retained attorney in response to their unverified methods. I want to thank you for your assistance
Experian provided wrong information on my credit report yet again. I never had any collections and/or late payments on any of my accounts. According to most recent Experian report that was provided by a credit reporting company after last dispute with XXXX was initiated I have late payments on the accounts with XXXX and Child support enforcement. I do n't have and never had any late payments on any of my accounts, nor have the knowledge of them. 
I respectfully request your assistance in removing incorrect information from my account and updating my credit score.
Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in XX/XX/XXXX and payment was due on the account in XX/XX/XXXX. Payment was made on XX/XX/XXXX for XX/XX/XXXX 's payment due. Student loan company, XXXX, processed the payment and applied it to my account. A few weeks later I was noticed via Transunion credit monitoring that my account with XXXX had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. XXXX did not correct the issue. Furthermore, I have attempted to call XXXX on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.
I opened a Paypal account about 4-5 months, As part of the screening process, I was asked for all my contact, personal and bank information. after my account was approved, Paypal restricted access to my account, pending a review. Again they asked for my info, which was provided and my access was restored. On or About XX/XX/XXXX, Paypal again restricted my account, this time there is a large amount of money in the account. When I asked them why my account was restricted they refuse to tell me, nor will they provide any information as to why my account can not be used. Paypal sent an email stating that they were reviewing the account and to provide the info again, then refused to accept the information. Once again Paypal was called, and the agent was asking questions about what was purchased, where the money was transferred from, and why I purchased a Paypal cash card, their official product and for what it was used for. Again, they are asking all these questions without providing any answers as to why my account is restricted and they are keeping my funds.
I reported a fraud problem with my bank, a national branch of XXXX XXXX ; on the XX/XX/XXXX. The card was 1st duplicated and then stolen - the csr who took my case said the entire account has been compromised. I filed my fraud problem on the XX/XX/XXXX both in person at the XXXX, Wa. Branch and with the XXXX fraud number for keybank. 
They offered me NO PROVISIONARY funding until XX/XX/XXXX, and have since not only refused to take calls from me but will not return urgent messages from me either. They amount they gave me for provisionary funding was about 1000 , my fraud case is over 10,000.00 ; so i require some kind of communication regarding my claim because as it stands the bank is refusing to cooperate with me on over {$9000.00} of funds that they owe me. They are aware i would likeit settled because i want to transfer to a different bank. You should know that this is about the 3rd or 4th time this bank has allowed this to happen and every time they have handled it in this manner. Besides the unprofessionalism, psycho-terrorism of the phone system and the refusal to follow FDIC laws and guidelines .... 
I revoke my consent for them to " handle '' my finances and want the account closed. They tell me i cant cloae it until ita settled, but they refuse to settle it. And for your own information ; same bank : XXXX, Wa. XXXX - branch manager abouy 3 years ago stole the hard copy, original washington state drivers license. She told me for 2 weeks they didnt have it so i replaced it. DOL never deactivated the " lost one '' per the department of social security so i went back into dol. Almost 1 year later, same branch manager gave me the id back saying it has been in her desk waiting for me the whole time ... .. 
Instead what actually happened was keybank as an entity - uaed my identification to access an account i have with them under my legal last name.. XXXX XXXX ; began embezzelling money from that account, sold my identity to XXXX and department of licensing and many other companies for embezzelment using said account. This account isnt available is all they say to me - ive been locked out of it since the moment i turned XXXX. I am now XXXX ... 
The same branch manager also CLOSED one of my accounts without authorization telling me i was signing to receive provisionary funding. The next time i tried to access the account she had actually tricked my signature and closed said account. 
I want this handled. 
They are given 10 days, its been 19 days, 3 chances and 3 different accounts all with not just issues, but illegal activity.
Starting XX/XX/2014 I accepted and signed a loan contract to purchase a new XXXX XXXX XX/XX/2014 from a local dealership with Fifth Third Bank. I had 60 days until the first payment was due. The loan states I owed 73 payments of {$480.00} monthly. The Bank later then sent a new payment arrangement with new and lower payments of $ XXXX/month we qualified for due to our ( co-signer ) credit score, however the extended more than 73 payments, This did not make sense to me. I still decided to follow and pay the first payments amount of {$480.00}, Bank sent a letter informing me that they charged extra fees for late payments and that they were charging me for insurance, when I already had my own insurance. I kept sending my monthly payments with money orders. Bank was persistent in charging insurance fees and late fees even when I contacted and showed proof of the vehicle being insured and asked why are my payments being received late when I sent payments weeks before due date. Bank would make multiple calls through out the day asking to bring my account current, so In good faith I sent {$620.00} on top of my monthly payment. Thinking that would resolve the issue. According to the bank payments were still being received late so late fees kept piling up which at this point I was just exhausted and hopeless, regardless I still stuck with sending Same amount monthly and ignoring their constant persistent calling and threats of repossession or delinquent account even though Im still paying? I received a notification last year that the Bank insured the body of car, I always had full coverage insurance on my car so why would the Bank on there own decision even insure the car? At this point I know the Bank just uses unfair business tactics against thier costumers for their greedy purposes. I researched reviews and noticed similar not far fetched experiences that I am going through as well. Finally one more last thing the Bank repossessed the car since my account has never been current, I contacted the Bank to see what solutions we can find to either just let the car go or bring my account current I was not paying one single dime more that I was certain of. The reps found out that all my payments were being received and could not explain to me why it was repossessed that shows how unorganized the company is. Long story short the bank returned the car back and stated that the account is actually current. I did not have to pay all the extra fees and past due amount they were charging all along. Its been almost a year since then. I continue to make payments but here again late fees and past due amounts come to hunt me again ... Im tired I want justice.
I have written several disputes and verification letters to XXXX XXXX amd XXXX XXXX  asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of XXXX. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with both parties. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Date of last activity is incorrect and inconsistent between 3 bureaus. XXXX 's date is 3 months different from XXXX and the discrepancy will cause a delay in my homebuying. I've tried to dispute online and the dispute was rejected since I've disputed the account before. Prior dispute was for a different reason. I called XXXX  and they still allege the date they have reported. 

I do not think Conn 's has validated this debt with proper support. So they are in violation as well as the credit bureaus for not removing