WillisBack/dataset-financial-user-claim huggingface dataset:
Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed Transunion, XXXX and XXXX reporting Acct Number :XXXX Basis for the dispute : XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XX/XX/XXXX Unknown XX/XX/XXXX  Unknown XX/XX/XXXX 30 days late XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE TransUnion Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 days late XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 Days Late XX/XX/XXXXCollection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX
I scheduled a payment for {$100.00} on my CC ending XXXX with Key Bank Collections Dept on XX/XX/2017 to bring up the account to current status. soon after that, I got two letters from Key Bank with dates XX/XX/2017 and XX/XX/2017 as a reminder confirming the transaction to be processed XX/XX/2017 with a confirm # given. 

Today, XX/XX/2017, I find that the transaction was correctly processed yesterday and posted today in my checking account from where I agreed the payment be withdrawn. 
Key Bank Collections Dept clearly states " PROCESSING MAY TAKE UP TO TWO BUSINESS DAYS ''. 

MY COMPLAIN IS that I have been harrassed and abussed by Key Bank Collections dept as they have called me AGAIN today XX/XX/2017 at XXXX ( XXXX ) in order to collect the very same amount of {$100.00} that I previously scheduled and FULLY payed yesterday. that is wrong!! and it is totally unfair business. 
It DID NOT matter that I fully met my commitment, but KEYBANK still call me again???, why? I want an explanation for that WRONG AND ABUSIVE COMMUNICATION APPROACH. 
I spoke with call center supervisor XXXX ID # XXXX in XXXX XXXX were call was originated, but she blames the system as they schedule payments but dont care to wait 48 hrs to call again in case the payment was not made. 
I am convinced that the Bank 's collection Dept has this dark and fraudulent strategy to attempt DOUBLING the payment and cash extra from those oblivious clients that may have forgotten at the time of the call that such payment has already been collected. Key Bank Collections Dept. shall have their automated calling system set up to wait 2 business day to call again in the event the scheduled payment did not go through. 

Besides I am feeeling harrased and abused by the Bank, I am feeling completely vulnerable, since I could have forgotten the payment I scheduled 2 weeks in advance and I could have fell in their fraudulent trap to collect a double payment the very same day, That puts me at the risk as a consumer that I may accept to pay in order to avoid more late fees, but I fall in to being short on funds in my acount and being double punished for insufficient funds by my Checking Account bank and by the Key Bank Credit card collections dept. 

I greatly appreciate your valuable help in processing and following on my complain as I am sure that I am not the only victim of such wrong strategy this and other the banks and Credit card companies are creating as a trap to consumers. 

I will be looking forward on your response and for the next step as I have proof documentation of my claim. I will be happy to provided it, along with my personal info. 

Thank you.
filed Bk in XXXX Contated this company and sent Bk chapter XXXX -sent-Discharge letter they said it would be removed- not the case Case = # XXXX XXXX XXXX XXXX/XXXX/2016 PLEASE HELP
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files.

I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.
WRONG CHARGE-OFF DATE on XXXX XXXX account # XXXX i ask them to do a verification on this account and they send me a letter saying its been verify and updated, and i request a method of verification to provide me with original documentation with balances and the date that became a charge off with proof, they have fail to provide me with any documentation, so if it can not be verify it has do be DELETED
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I want to monitor my credit and repair it upon finding any inaccuracies. But Equifax is not allowing me to sign up for their services. And they want me to acknowledge debts via my credit reports by asking multiple times did have any credit cards, mortgages, auto etc. Those may well be some debts on there but I don't know what's on there.
Back in 2013, we were billed by XXXX for usage that we were n't responsible for. Due to us switching carriers, there were some discrepancies with billing where there was an overlap of carrier usage, thus causing XXXX to perceive that we still owed them usage charges. After receiving numerous billing statements from XXXX ( even after trying to resolve this issue over the phone, another company ( hired by XXXX ) contacted us for payment. A letter was sent to clarify the situation and further communication resumed between us and XXXX, and the charges were adjusted and the balance paid. We are now getting phone calls ( multiple daily phone calls ) from a supposed debt collection agency to pay money owed to XXXX. After telling us the amount owed, they ask for information needed to pay this debt. I did not provide that information and told them I would contact them as soon as had information confirming that I no longer owed anything to XXXX.
XXXX sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at XXXX who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a XXXX pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was 1 certified letter and 2 in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. XXXX is either confused our incompetent either way I think my XXXX year old mother with XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by XXXX and filled out and sent to them
When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS. At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at 82 %. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at 81 % and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at {$30000.00} more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid in advance.
The following inquiry is showing on my Experian Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact Experian directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX
On XX/XX/XXXX I took out a mortgage with XXXX XXXX XXXX XXXX, a federally chartered savings bank for the amount of {$290000.00}. I defaulted on my mortgage because I could not keep up with the payments. Since I took out my mortgage in XX/XX/XXXX, it has been transferred three different times. The first one was on XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX, XXXX   XXXX. to XXXX XXXX XXXX, XXXX. The second assignment of mortgage was filed with the XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX. The third assignment of mortgage was filed with XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, XXXX started a foreclosure action against me in the amount of {$270000.00} which is a {$16000.00} from the original loan amount. How is that even possible when I paid over {$100000.00} before defaulting. I have tried fixing the problem by submitting a loan modification on XX/XX/XXXX and XX/XX/XXXX getting denied both times. It seems like they do not care whether I pay them back or not, they just want me out of my home which I am working hard to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
We are disputing a late payment that was sent on time for XX/XX/XXXX and is on my credit report as a late payment. A payment was sent for {$1500.00} come to find out they never notified us that they went up on the payment and we never received nothing in writing or phone call letting us know that we were short on our payment. Ocwen Loan Servicing received the payment and held the payment in a suspended account and did n't contact us regarding the payment was short. They did n't post the payment until 30 day later when they received XX/XX/XXXX payment. In XX/XX/XXXX we where notified that the payment was short and we sent and addition amount to bring the account up to the right amount, why this was not done in XX/XX/XXXX to avoid a late payment no answer from Ocwen Loan Servicing. We contacted the office and spoke to someone regarding this matter first, we where told that it was not on our part and they would correct this error, now they are saying that the late payment will remain. We are in the process of trying to close on another home that we have purchase and this is showing up on my Credit report as being 30 days late which is not true because I sent the payment and they held the money in a suspended account without notifying me it was short or the amount was increase. My VA loan was denied because of this. I submitting a letter to Ocwen Loan Servicing regarding this matter and they refused to remove the late payment.
A address of a relative ( XXXX XXXX XXXX. ) is listed as mine, I never lived there.
This is my second complaint against Nationstar Mortgage LLC, once again I have submitted a loan modification application to Nationsatr on XXXX/XXXX/2016 by e-mail and certified mail they signed for on XXXX/XXXX/2016, since then it has been over five ( 5 ) days and no response from Nationstar instead I received a letter saying that my home is being sold at a auction on XXXX/XXXX/2016 at XXXX XXXX. 
Nationstar and its attorneys have and continued to violate the rules and right now I am being Dual-Tracked where I have a loan modification pending and my home is scheduled to be sold. At this time I need help with this matter as this have been an on going infraction of my civil rights under the XXXX XXXX XXXX XXXX XXXX and President Obama making homes affordable. 
Just to point out that Nationstar and its attorney continues to violate Regulation X and is getting away with it I need not only answers but I need to have Nationstar, s CEO XXXX XXXX prosecuted for fraud since owing to the fact that instead of helping struggling homeowners get a reasonable modification he is acting like a Slum Lord where he just wants to foreclose and make a gigantic profit and our Government is letting him get away with it. 
At this time I have complained to CFPB before and I have gotten nowhere I need XXXX XXXX to look into my complaint and do something about it I have enough proof to show that Nationstar is committing fraud which I can submit to CFPB or to the general public including members of Congress. 
Please see attached documents also I can be reached at XXXX to further discuss this.
An XXXX buyer filed a fraudulent claim onXX/XX/XXXXseeking a refund with XXXX, alleging a " defective item, '' but XXXX denied his claim, finding in my favor. The buyer then apparently filed a chargeback with his credit card company ( via PayPal ) onXX/XX/XXXX and claimed it was a recurring unauthorized transaction. I assume he did this in order to deny me Seller Protection. 

OnXX/XX/XXXX, PayPal contacted me to tell me that the disputed amount of {$76.00} was debited from my PayPal account because of the following reason ( s ) : " This chargeback type was not covered under Seller Protection. '' I was also notified that " [ i ] n addition, you have been debited a {$20.00} USD chargeback fee. '' I had responded to the buyer 's PayPal claim with proof that this was an XXXX transaction and not an authorized recurring payment, including proof of his rejected XXXX claim for a refund. However, PayPal already knew that this was an XXXX transaction processed through their system, along with postage purchased through PayPal and a tracking number listed on PayPal. 

The buyer has fraudulent intentions and is manipulating the Seller Protection policies of PayPal. In addition, he still has the item he purchased in his possession. 
PayPal is aware of this and is denying me Seller Protection based on the language above, which is completely unethical and illegal. They are supporting the abuse of their Seller Protection policies and denying me my actual Seller Protection rights with full knowledge that I am entitled to such rights. 

In my case, PayPal has clear and convincing evidence ( even before I responded with my own proof ) that this is a transaction covered by Seller Protection, but they are using the buyer 's false chargeback reason to deny it to me. I have contacted PayPal management by phone and was told I can sue the buyer in small claims court ( in another state ) to try to recover the funds when I ultimately lose the case!
I called XXXX XXXX XXXX XXXX and requested any documentation showing any of my information and signatures on a account that 's on my credit history. when I called I got the most rudest receptionist/ women ever. I was very clam with this lady after speaking with her about this account i requested a manager because she could n't help me. she could n't find me a manager after I requested one for the 5th time and all she did was continue to argue with me. I never got a manager but someone who he said he was a partner. Anyways ; once speaking with him and not really listing to what i had to say or was requesting he ended up getting an attitude as well. He told me only my lawyer can request any documentation and i would have to call the original creditor ( which I did but they gave me consumer solutions group phone number ). all i am requesting is any documentation and signatures showing i owe this account and if not I want these accounts off my credit report. I have no knowledge of how i ended up with these accounts and I want them deleted.
While I was XXXX, I had my Grandmothers address as my record address for my student loan because I move so much in the military. In XXXX from the military. The problem is, I never received notification of deferment needs/ payment requirements because my Grandmother had passed away and I no longer had her to forward my mail to me and I never received anything from Navient when they received the mail returned to sender. I only noticed the error when my normally stellar credit turned bad. I immediately contacted Navient set up payment terms, had deferments submitted for the problematic period of non-payment and even forwarded a copy of my Grandmothers obituary as a substantiating document to what had happened. I believed all was good however, Navient is reporting the period of non-payment negatively on my credit report when I had was unaware that the requirement existed. In addition to this negative information, they are reporting my loan broken into five separate accounts, compounding the negative information in that it appears I have 5 separate instances of non-payment. I recently tried to dispute the negative information on my credit report but Navient reported back that the information was correct and my credit remains negative even though I have set up automatic payments as soon as I was aware of the requirement.
I have been paying on a roughly {$7000.00} loan for approx. 6 years ( XX/XX/XXXX/XX/XX/XXXX ) Over HALF of my money has gone to only interest! My bill is still almost $ 5,000- after 6 YEARS!!! 
Not only that, XXXX XXXX XXXX has n't sent me paper bills or anything via mail in MULTIPLE years until just last month ( XX/XX/XXXX ) I find this extremely suspicious. The employees offer absolutely no support. They never requested ANY information updates regarding name change or email/address change. They have over 100 complaints online about accounts being mishandled and overcharged. I never received any actual information from this company regarding the loan when it originated.This is extremely unsettling. No way should half of the money be towards interest only. How is anyone supposed to get ahead in life with rotten set ups such as this.
I have XXXX different loans with Navy Federal Credit Union that I got behind on atleast XXXX payments about 6 months ago. I called the credit union and make payment arrangements and they were very helpful over the phone. The representative stated since I ' am a long term consumer that they would off set my finance charges and adjust my credit history to paid asgreed. A couple of months has past since the last conversation with Navy Federal and at this time their agreements were not satisfied per our conversation. My monthly payments are getting outrageous.
I 've been having on-going issues with my automobile lender, Condor Capital. My primary issue of concern, is that the auto company took my loan off of my credit report while I was still making payments. Although I 've made monthly payments, it always appeared that I carried a balance, which in turn additional penalties and interest applied. So regardless of my monthly payment, I was always behind. Although I purchased my vehicle in 2012 for {$15000.00}, I still have a balance of over {$13000.00} after four years. There 's something terribly wrong here. Also, my car was repossessed this morning. I have n't received a phone call, an email, a letter in the mail - only to pay the bill, which I disputed because I had issues with the payments posting incorrectly. I can not understand how a company can operate under such pretenses.
XXXX XXXX XXXX called me and said they have not received my payment, so i logged in to my credit card companies website to provide them with the date and amount that was paid, and had them open a missing payment case. As soon as i got off the phone with XXXX XXXX XXXX, i called the credit card company and received a unique payment id number and called XXXX XXXX XXXX back and had them add the unique payment id number to their missing payment case. More than a month later, i received a letter in the mail from a debt collector, Sunrise Credit Services, and forward them the same paperwork proving that i had already paid the account in full before XXXX XXXX XXXX sold them a bogus alleged debt. Sunrise Credit Services has still not complied by removing the XXXX, bogus collections account from my credit report as i told them they are required to do by law. I am interested in pressing charges against Sunrise Credit Services for refusing to remove malicious lies from my credit report.