WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed XXXX XXXX several times with the credit Bureaus due to inaccurate information showing on my credit reports. Transunion continues to report even though they have not shown how the account was verified as accurate. 
XXXX was also reporting and once I disputed the inaccurate information, they removed the account from my credit report. Transunion is violating my consumer rights by continuing to report this account without properly validating the debt and finding the inaccuracies that are being reported.
Navient has been reporting XXXX balance accounts paid off by a loan consolidation as collection accounts impacting my credit score negatively.
On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.
Fell upon hard financial times! XXXX business went under, had to sellshares of another business to cover due from share holder! went through a long costly divorce! 
I changed from office/owner to hourly employee! with a drastically pay cut! 
I found myself homeless ( house foreclosed on! ) and owing money I could not repay! I called Region 's Bank and explained to them my status! They ( same day I called ) immediately came and took ( repossession ) Motor Home! Yet after them taking Motor Home my Debt with them went UP! they did not give any value ( for what they sold it for )! They keep showing recent payments! I have notmade any payments to Region 's Bank for Motor Home once theyReposed it! 
Due to my misfortune 's and the Banks tactics I have no choice butto file Bankruptcy!
I had the Firm of XXXX XXXX XXXX, represent me in my loan modification for 3rd time, I had a loan modification done with XXXX XXXX XXXX in XX/XX/XXXX, legal and notarized I made the payments according to the Loan Modification Account No : XXXX dated XX/XX/XXXX it was a loan modification way before every consumer affected by the XXXX XXXX Fraud to millions of consumers, we took the case to XXXX courts on case No : XXXX, and had 4 legal defense attorneys proving the lender did not have the Title or Note, the judge clearly took the Bank side and the illegal transfer they did after XXXX XXXX XXXX went Bankrupt, it has been 9 years of complete nightmare I am senior citizen XXXX XXXX Veteran, and I have seen how the Banks manipulate their paper and interest, I just viewed a Title report that is Fraud in order to do a Foreclosure Sale on my home next week XX/XX/XXXX, it was done by XXXX XXXX, ( aka ) XXXX XXXX by XXXX XXXX XXXX Report Date : XX/XX/XXXX report No : XXXX, they lied and did not report I was the Owner on the property as shown in XXXX Property search and did not filled the information on sales and transfers done with my property as XXXX XXXX Clerk of the courts shows, I ca n't believe that corporations are doing Fake Titles for Mortgages in order to sell the homeowners only home, even with a filed XXXX on record of the court they laugh and continue to do Fraud, I sincerely hope that your agency could place a stop by your powerful office from the US Goverment and help me out on my desperate situation.
COLLECTOR FAILED TO VALIDATE DEBT AND VIOLATED FCRA, FDCPA AND TCPA.
This company claims I owe them an outstanding debt in the amount of {$3900.00} when I have never heard of them. They claim it was for some kind of lease and its on my credit report. I tried to dispute the information but they refuse to remove information from my credit report eventhough they have the wrong person? Either that or this comany is a scam?
On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to Nissan to run my credit check a second time. As a result of Nissan 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact Nissan, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since Nissan was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a Nissan rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
Last XXXX my husbands employer had changed his payroll to salary XXXX to XXXX work first then get paid. This resulted in not getting a paycheck for a month. The other problem was his pay decreased because they changed from XXXX to XXXX weeks. I had contacted Wells Fargo before I even fell behind to ask what I can do and at that point they told me there was nothing can do for me. I see them always advertising if you anticipate payment challenges or if you need help they are there to help you. So I struggled and of course I fell behind. You ca n't make up pay you did n't get. I started to get charged late fees so I called and asked now what can I do to catch up. They put me in a payment plan that I could n't afford. Now they know I was currently in HAMP because I struggled when I lost my job after XXXX years in 2007. That program worked great for us. The payments started to go up, so that meant our arrears where increasing. In XXXX I told them that I could n't afford the current payment plan I was in to see if they can forbearance or something. Now up until last XXXX I was never behind, nor did I miss a payment. I assumed that they would be more than willing to help me. Now during the trial payment of my HAMP, my house was discharged in my bankruptcy by their error. So I also continued to pay because I wanted my house. I have n't been getting credit, but I really feel that now my house has equity they want it. I applied for anything they can help me with and that was XXXX XXXX. They continued to weird things, like send someone to my house and put a confidential notice on my door to contact my servicer immediately. That was illegal and there was no disclosure stating that they are not attempting to collect a debt. I was working with them My house was discharged so I had called because I was upset and explained the situation. The representative on the other end had called me a crazy lady. I could n't believe what I just heard. So I asked to speak to someone, had it escalated. Then my case was removed and given to someone else. But really no one said sorry to me, I could n't believe a professional could call a customer that. So I thought I would get fair treatment after that. Then I thought all was going well and then they denied me on XXXX XXXX. They then told me I can short sale, I could n't believe after XXXX years they could n't help me. I said you had no other options for a repayment? Their answer was I was denied because I was n't in imminent default. At this point I could n't believe that all that time they could n't come up with one thing. They claimed they had something ... what liars they had nothing. I felt once they realized I had equity they wanted my house. I had withheld a payment because I sure did n't want to not have one when they requested it. Their answer was I can appeal. What was there to appeal. They could n't do one thing for me? I think they false advertise helping homeowners. I had paid them faithfully and this is how I was treated.
Have a PNC Bank XXXX debit card that expires XXXX. PNC sent me letter stating that they will not issue me new card unless I call in to activate. However, when I phone XXXX it states that my ability to activate has been suspended. I have phoned the number on the back of my card at XXXX multiple times and either the call center is closed or I am put on hold for a long time. Please have PNC Bank activate and issue me a new card when my current one expires XXXX. PNC bank should have a 24/7 operator for its customers.
Southwestern Investors Group llc and XXXX XXXX who was recruited by Southwestern Investors Group llc has been threatening to file a lawsuit against me and also have me taken to jail for possession over stolen property when I never stole anything. This is over a game stop card I could n't pay. XXXX XXXX has many complaints from other people saying they told them similar things about being thrown in jail. I feel jeopardized that Southwestern gave my information to this company. XXXX XXXX claimed to be lawyers which they are n't. Southwestern acknowledged recruiting these people to basically threaten me with jail. I have been depressed, anxious and scared. Southwestern also said they are not a debt collector ( which they are ) and are merely a debt purchasing company.
I have repeated requested that they correct incorrect reporting on my credit report. They refuse to fix a reporting error on their part.
I keep having issues with my ATM card not working. Declines at ATMs with plenty of funds. Customer service is less than 12 hours a day. Absolutely unacceptable.
I sent XXXX XXXX XXXX TransUnion, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1
We were victims of predatory private student loans that were used for non-school expenses. As a result we were forced to declare bankruptcy. After the bankruptcy Weltman , Weinberg & Reis claims they acquired the covered loans when our lender themselves went bankrupt. We have been paying them per the plan but the file delinquent payment history on our credit report each month. My lawyers have sent them letter but they refuse to do anything.
TransUnion is showing an account with  XXXX  #  XXXX  as being late. I have reported this particular  XXXX  acco unt to the police as I 'm not familiar with this account number and I suspect identity theft. At this time there is NO pending litigation in this matter. However, TransUnion is now in violation FCRA 605B states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
On  XXXX / XXXX /  XXXX  , a payment was made in the amount of {$2300.00} which would have paid off the balance on  my PayPal Extras Master Card.      On  XXXX , I received a credit alert that my score had changed. I looked and realized the balance o  n my PayPal Extras Master Card still showed a balance and it showed it was late.
During that call with PayPal Extras Master Card, they told me the payment was cashed and applied to an account that was closed. He told me he would notate the account that no additional payment would be due and that it would take 5-15 days for them to move payment from the closed account to the open account.
I continue to get notifications that I have a balance and they clearly have not put a hold or other on my account, so I continue to send payment to prevent my credit score from falling.
A Case ID ( ticket number ) was provided to me by the asso  ciate during this call.      XXXX / XXXX /  XXXX   : I phoned to check the status of payment and they told me the account was not notated properly and that it would  take 5-15  days to reapply the cashed funds to the correct account.      XXXX / XXXX /  XXXX   : I phone d PayPal Extras MC again to check status and again, I was told the account was n't properly notated and that the clock would reset and it would take another 5-15 days to  apply the cashed payment to the proper account.     It feels highly inappropriate for a publicly traded company to post payment and stall applying those funds to an open account and continue to charge me interest and late fees for an account that would have been paid off. Their stall tactic benefits only them and it clearly a violation of my rights under FCRA.
I am writing in regards to Granite State Management Group who was sold my student loans to following college graduation to pay back these loans. I unfortunately had no money in the economy downturn crisis coming out of college of XX/XX/2007 and did what I could to pay off the loans accordingly. I had a few late payments to which they recorded in my opinion on my credit report 4 different times between the accounts. Now over 6 years later I contacted them in regards to working with me to take these off and they had no care to and just directed me to file a complaint and let y'all take it from there. I do understand that at the 7 year mark is when these red flags should taken off my credit report to which I will make certain that does happen before then or on that very date. i am so close it would make sense that they are taken off promptly. Let me know what you all need from me to keep this inquiry alive.
I sent Transunion a letter raising multiple issues. I included all the ID copies their web site said to. They sent me a letter saying my ID was incorrect.
I paid this account in full back in XXXX, 2015. This is not reflected in my credit report.
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX  ( Transunion : XXXX ), XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX ( XXXX   : XXXX Transunion : XXXX ), XXXX XXXX XXXX ( XXXX  : XXXX ).
There are XXXX collection accounts on my TransUnion credit report that do not belong to me. I did file disputes, but they are still there.
I, have BSI loan service /mortgage., I have given my wife all permissions via fax. for her to handle all of my biz. with them, my wife and I never get a mortgage statement in the mail as to see what is being applyed to my loan, no statement to pay the mortgage. My wife has called last week & 6 weeks prior also, she must make copies of XXXX or XXXX rare statements that we have to beg them for, or just dig up their address & write a check. XXXX rep. said oh it is because I had a bankrupcy 15 years ago? Another rep. said oh yes every time you send a pmt. a statement will genarate, but this never happens. I am still waiting for any statement, my wife even begs these reps. for XXXX or XXXX statements with the same date so she can pay the bill. But the fact of the matter now I know the new rule as of XX/XX/2014 they must send a statement every month. I do think they are trying to make me have a late pmt. or a few, I feel this is a set up, to intensionally get me in fincial trouble. Also they failed to send my XXXX for my 2014 taxes, I got an apoligy letter XX/XX/2014 or so, after my wife and I calling, once again they lied & said they sent the XXXX for that year on XXXX dates, wow the post master must loose mail so much. what I demand is a timely statement every month, also this BSI said I had no homeowners ins. last year & once again, lie after lie they sent they want proof in the mail, post master lost a few of those letters too. I also want to recive that letter in a timely manner this year too. Yes I have XXXX & my agent faxed them their info. it is all in my file. Last year they put me in force placed ins. Desired resolution. TIMELY STATEMENT EVERY SINGLE MONTH OF THE YEAR, XXXX OUT BEFORE XX/XX/XXXX OF EVERY YEAR, TIMELY PROOF OF INSURANCE NOTICE AS SO WE CAN ALL COMPLY WITH THE LAW IN A CIVIL MANNER. ( BSI FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA.XXXX ) customer service XXXX this is the party my complaint is on.
Debtor ARS-Account Resolution Service : Receipt of written notification of the debt had a date of XXXX/XXXX/2015. I called, plus submitted written requests for validation of debt on XXXX different occasion. These requests were not honor, due to either they were unable or unwilling to provide all necessary documents to support their claim. Due to their noncompliance of honoring my written request for sufficient supporting documentation, I could only assume that my records were correct and that this debt was already paid in full as my records indicated. I then proceed to mail and file a dispute with the XXXX major creditor bureaus regarding this issue. The credit bureaus did removed this debt from my credit reports at XXXX point, but ARS has now put the debt back onto my credit reports. I called XXXX today, XXXX regarding that the debt is back on my credit report once again, which they are re-filing the dispute again. XXXX had already placed in the comments, that I had disputed this debt. But it appears that they, ARS, are continiunally updating it monthly as not paid. In the mean time, there has not been any written correspondence and/or communication from them to me regarding this debt. But they have placed this unfounded debt back on my credit report. This appears, in my opinion, to be a form of stealth harassement and stalking, for if it was not for me checking my credit reports, I would not be aware that this debt had been placed on my reports. It is causing a financial hardship by the lowering of my credit score which would hinge me from getting a competetive interest rate on any type of a future loan. Please find previously correspondence attached. Any assistance you are able to provide in resolving this matter is most greatly appreciated. Again thank you
Wells Fargo bank and it subsidiary ASC America Servicing Company is stating that I have a Mortgage loan contract with them. I never signed a contract with them and I want them to produce a copy of the contract with my wet ink signautre. The mortgage company has also called me with threats and put papers in my mailbox for foreclosure at XXXX XXXX XXXX XXXX XXXX New York. They are also dual tracking me on top of all of this. I never entered into a contract with this mortgage company. Wells Fargo and its Subsidiary are predatory in nature. I also made payments for the hamp program but my money was stolen.
The issue at hand is unapplied funds with mortgage payments in excess of what is required. Funds in excess of the mortgage payment are not applied to the principal balance of the mortgage. Payments of {$300.00} per month result in :XX/XX/XXXX {$91.00}, XX/XX/XXXX {$97.00}, XX/XX/XXXX $ {$96.00}, XX/XX/XXXX {$86.00}, and XX/XX/XXXX {$53.00} ( total {$420.00} ) not being applied to the principal balance or my mortgage. Instead they are kept in an unapplied funds account ( in excess of the required monthly mortgage payment of {$180.00}. Please advise on how to proceed to get the {$420.00} in XX/XX/XXXX unapplied funds credited to my mortgage balance. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
During the Equifax breach, my information was released and I fear my credit score will now be reduced significantly. As a XXXX looking to find a house, apply for loan, etc. This is of great concern to me and I do n't know what steps should be taken to protect and restore my credit ( if necessary )
On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX XXXX entered into a Consent Order with the CFPB regarding their litigation department collection calling practices, resulting in a refund of payments made as a result of these predatory practices. My account, formally with XXXX was settled in full, however, XXXX XXXX XXXX continues to report this as an active collection account. This false reporting is detrimental to my credit score, and it appears to anyone reviewing my credit report that I still owe money, and the account is in an active collection status.
Ditech Financial LLC is still showing my XXXX mortgage loan as a charge off on the credit bureau. This account was started with XXXX XXXX XXXX and was transferred over to Ditech Financial LLC. Ditech is showing this was last reported in XXXX, however this account was paid in full in XXXX when my house was sold. There was a full payoff at that time and nothing was charged off. 
Ditech has been near impossible to contact and get any information from. There are well over XXXX attempts at resolving this with them with no contact back. When I did talk to someone, they just keep transferring you elsewhere ... horrible customer service.
said debt was gaining interest ... when in fact I do n't owe anything at all. also they tried to get my SS number
I am having an issue with XXXX and transunion in disputing incorrect information on my credit reports. Today upon viewing XXXX XXXX it looks like one problem has been solved that XXXX XXXX XXXX was deleted off my report finally however when I viewed credit sesame it shows that they reported it as a charge off as of today again. My credit reports are showing incorrect information. I 've tried contacting transunion and keep getting transferred then on hold for over 20 minutes then disconnected. I tried to go online plus call XXXX and a recording comes on that there is a high volume of calls and to try back later. I ca n't even check my credit report online with XXXX nor transunion. I have 3 negative things on my report that do not belong on there and it is affecting me in obtaining substantial credit as it is ruining my credit score.
1 ) What is this complaint about? 

JPMorgan Chase Bank, N.A. ( aka Chase ) closed a savings account I had with them 2 days after I opened the account and 1 day after I deposited a check for {$16000.00}. They refused to give me any reason for closing the account. It seemed arbitrary and capricious. It seemed like fraud for them to accept my money on Friday, XX/XX/2018, and close the account the following business day, on Monday, XX/XX/2018. I did receive my money back, but it was three weeks later. The check was dated XX/XX/2018, but it was not mailed until XX/XX/2018, according to the postmark, and I did not receive the check in the mail until XX/XX/2018. 

My complaint is that I do not understand how the government could allow a financial institution to confiscate my money ( even for three weeks ) without due process. 

2 ) What type of problem are you having? 

The problem I am having is that I became homeless because of Chases actions.

3 ) What happened? 

I was going to use the {$16000.00} to move to XXXX, NY. I had given notice at my HUD subsidized building for seniors in XXXX, OR on XX/XX/XXXX and was required to leave by XX/XX/XXXX. I did not receive my funds until XX/XX/XXXX, and then I had to deposit it in another bank where it took another five days to clear. The check cleared the second bank on XX/XX/XXXX. I had asked the building manager where I lived if I could rescind my notice to vacate, since I could not do the move without the funds that Chase denied me access to. I was told the apartment had been offered to someone else, but that I could stay an extra week. Since XXXX is a very busy month for movers, I had to move out on XX/XX/XXXX. I did not have access to my funds until l after I moved out. I can not afford market rate rental in most cities in this country ; I could not do the move without those funds, so I became homeless because of Chases actions not on the street homeless, but without my own apartment. I am sleeping on a sleeping bag on the floor of my sisters home.